WillisBack/dataset-financial-user-claim huggingface dataset:
I have a savings account with Citizens Bank, where I only direct deposit funds and I use it to online transfer money to my family, who also have Citizens Bank accounts. I recently had to transfer {$25000.00} into my father 's account, and so I called Citizens Bank directly and asked them what would be the easiest way to complete this. I specifically asked about their transaction fee limits ( are their fees associated, is it a monthly limit, how much money do I need to keep in my account at all times ) and they told me that 1 ) there are no fees if you are transferring within the bank ; 2 ) there is a transaction limit of {$2000.00} but there are no monthly limits so I can transfer {$2000.00} as many times as I would like ; 3 ) I need to keep {$300.00} in my account at all times as a minimum. I was extremely pleased with the call - and just made XXXX transfers of {$2000.00}. The next day I was charged with XXXX Excessive Transaction Fees ( {$15.00} each ), and then XXXX Service Charge ( {$15.00} each ) - totaling XXXX fees of $ XXXX/each = {$90.00} in fees. I called back Citizens Bank and asked them why this happened, when I clearly called and asked for advice on the correct way to transfer these funds. They confirmed that their agent miscommunicated the rules of my account to me, and due to Reg D restrictions, there was a cap to how many transfers I could make in a month. I told him that if I had known this - I happily would have just found another way to transfer these funds. The agent apologized, but said the only thing he could do was give me {$30.00} of the {$90.00}. I was upset and asked to speak to his manager. The manager confirmed that EVEN THOUGH I called Citizens Bank and asked to be reeducated on the transfer limits and fees of my bank account, and EVEN THOUGH they miscommunicated those requirements to me, that I was the one who was at fault, because I am required to know the rules of my account at all times. He told me that I should have read all this in my account agreement when I started - which is fine, I can agree with that - but then I asked him if I was to call in and ask to be reiterated these requirements ( which I did ), should I not expect that they will communicate these regulations to me appropriately. He said that although they were there to help - they were NOT required or liable for miscommunication. 

I happen to work for XXXX XXXX - and I know that they are NOT allowed to withhold financial requirements of my account, especially when I call in and ask to be educated on these requirements. I am EXTREMELY upset, and believe they are being abusive and deceptive to their customers.
In XX/XX/XXXX I called my mortgage company ( Nationstar ) to modify my loan as my interest rate was at 5.75 %. I submitted my financials and required documentation waiting to hear if approved for the modification. On XXXX XXXX I XXXX and I called the mortgage company to inform them of the change in circumstances. I was told not to worry about it. I was not offered the XXXX program of forbearance or payment reduction. I was finally approved to the modification ( or so I thought ) and closed XX/XX/XXXX, still XXXX at this time. I was rushed through the closing and when I had time to review the paper work a refinance was processed with closing costs of {$8200.00}! On top of that my rate was reduced by less than .50 %. 
My XXXX ran out in XX/XX/XXXX. I was unable to make payments and I called to see if there was anything I could do. I was told at that time about the XXXX forbearance but I was not eligible because my XXXX ran out. 
I started working again on XXXX XXXX and had signed a 150 day letter to cure expiring on XX/XX/XXXX. I was told to cure i would need to make XXXX payments {$8800.00}. I was in constant contact with loss mitigation XXXX XXXX and I told him I would have the payment on XXXX XXXX. I continued to call and have various representatives note I would Pay on the XXXX. When i called XXXX on the XXXX to make the payment I was told I was referred to foreclosure on XXXX and nothing could be done unless i paid over XXXX. They would not accept payment and as of today I have not received a notice of foreclosure. 
I can not apply for a modification until XXXX XXXX 1 year after the re-fi. my target sale date is XXXX XXXX.
This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XX/XX/2015. This is a flagrant violation of the FDCPA
My ex-husband and I divorced in XXXX. I was awarded our house in the divorce and he filed a quit claim deed. He filed bankruptcy in XXXX and because he is on the deed to the house was told to list it on the bankruptcy even though it would not be included in it. During all this time from XXXX to present, I have been responsible for the mortgage payment. Payments have been made on time. The loan originated in XXXX and was in my name only and we refinanced in XXXX and at that time my ex husband was added to the mortgage. My name was not included at all in his bankruptcy. Fast forward to XXXX, I apply for a new mortgage and am told my mortgage is not on my credit report. There is no record of me having a mortgage even from XXXX or from XXXX. I called my mortgage company and they said in XXXX when he filed bankruptcy they stopped reporting mortgage payments. I could understand this if was still responsible for the loan in anyway or if we were both listed on the bankruptcy. I don't understand why my credit reporting was stopped due to his bankruptcy. Now, I have no record of 16 years of mortgage payments in excellent standing. My credit is horrible through no fault of my own. The mortgage company said they will start reporting my mortgage payments as of XX/XX/XXXX but will not do anything about the past 16 years. I would like my credit report to reflect my mortgage for the entire life of the mortgage or at least from XXXX forward. Thank you.
Provided no proof of debt during disputes and I have continuously disputed the debt with a credit reporting agency without any information on what the debt is from being provided by the organization.
XXXX XXXX removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX.  Equifax deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.
I received a toll violation around XXXX of 2016. The company linebarger law firm was representing XXXX to collect a debt. Upon further research I found that the violations were made when these vehicles were not in my possession as they were sold before the date of the violations. I have been sending letters back and forth with this organization for 10 months and even had to get my lawyer involved. I have proven that this is not my debt but I continue to receive harassing letters from this company. At this point I have done everything I can. I can supply all correspondence and documentation between me and the agency over the past 10 months.
I have been trying since last year to obtain my credit report online from Transunion. I have disputed the issue several times to Transunion and i was told that there is not an error on their part. But it is! My file has some sort of block on it that will not allow me my credit file online unless i PAY for it. I 'm attaching again a copy of the error message i have been getting since last year. every time i call they can not give me any information as to why my file is blocked for myself to view
I checked my credit report and noticed an account from a company called XXXX XXXX. I do not know what this company is and have no debt with this company. I tried contacting the collection company and was rudely threatened being sued if I didnt pay the balance owed, yet they would not provide any information about the debt and where it originated. The debt does not belong to me.
Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.
I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months. I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months, I have been called more than 7 times to collect a XXXX  XXXX XXXX account # XXXX, that account does not appear in my register, my XXXX  XXXX XXXX accounts are from XX/XX/XXXXand all were paid by Insurance against economic losses and unemployment " Credit Protection Plus and Credit Protection Deluxe ''. XXXX  XXXX XXXX did not act in good faith. XXXX XXXX XXXX Account was paid for the insurance I had inside my card in case of unemployment or loss of income. The insurance paid the total money. The XXXX  XXXX XXXX sold it without telling me anything and, in case they have sold it to another company without information of the sale, this debt is illegal, if not, without having a legal document, there is no legal or original contract between them and me. They tried all phone calls of possible illegal methods at all hours and on weekends. I am requesting " validation '' ; That is a competent test that bears my signature, which shows that I have a contractual obligation to pay " Original documents and my signature. '' Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e.  And this case was attended by you but with another company. The reference is " CFPB # XXXX '', they are my accounts with the XXXX XXXX XXXX. And this case was won in federal court # XXXX, the United States District Court for the XXXX District of California, and in the XXXX XXXX v. XXXX. XXXX XXXX XXXX XXXX Case No : XXXX, for the same reason against XXXX XXXX XXXX XXXX. For all these violations of the law and the continuous harassment of my person I am requesting the maximum of the monetary demand allowed in these cases, Portfolio Recovery Associates LLC, continues to violate all regulations and laws in a blatant manner without respect to anyone, I ask that Exercise the law in your total Power, by all points. 1. ) Defamation 2. ) Negligent authorization of identity fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including, among others, Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( which includes but is not limited to Section 623-b ) 5. ) Violated the Telephone Consumer Protection Act Litigation ( " TCPA '' ).

Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph. # XXXX
I have received notices that my bill was due via email. My card was then declined at a point of purchase so I check online to see status. It showed bill was not due until XX/XX/17 - however I assumed there was perhaps a past due balance. The website would not allow me to view any of my statements in order for me to verify the past due balance. As I am on " paperless '' statements - I can only access the details of my invoices online - and for a period of 1 week that was unavailable. I reached out directly to XXXX ( XXXX ). They advised me that since I had a past due balance, I could not view the details of any statement. They then advised they could snail mail me a copy but it would take 7-10 business days. They assured me no more late fees would incur- however they would not assure me that adverse action could be taken against my credit due to the lateness as I awaited the bill. As I did not want to take that chance, I paid my balance in full - not fully knowing exactly what I was paying - and closed my account. However, as a consumer I have a right to have my debts detailed.
Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.
While going through paperwork I found an Automatically Renewable Personal CD that was opened at  XXXX   XXXX   XXXX  Bank in  XXXX , NJ on   XXXX   XXXX   XXXX   XXXX  n the amount of {$4600.00}  XXXX   XXXX  was purchased by  Wachovia and then Wachovia was purchase d by  Wells Fargo Bank. I went to my local Wells Fargo branch  office with the  XXXX  and I was told that the  XXXX  is too old and they have no way of tracking it. I was instructed to go to the state of NJ - Department of Treasury for unclaimed property. ( https :  XXXX   )  NJ has no record of my money.  I then phoned Wells Fargo again. I was informed that they researched and again have no information. Please note, that I have the Original Time Deposit Automatically Renewable Personal CD with   Account Number in my hand. Thank you for any assistance that you can provide.
I had an account with Bank of America for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that BOA charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions.
I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
On XXXX XXXX of XXXX, I contacted my mortgage company after receiving a statement with a balance of XXXX. Since then I have had concerns and questions about it and I still have not received any answers. I have been a victim of an unlawful foreclosure. I have called numerous times and spoke with reps and supervisors before the sale date, which was on XXXX XXXX. They only lied and guaranteed me that they would do their research and call me back. Needless to say they did not. I spoke with the foreclosure attorney and he gave me his direct contact number after I told him everything I have paid out and my issues. He even realized that something fraudulent had taken place. He also told me that he would call me in a couple of days after his research and if not to call him. He did not call so I called him and left a message. He did not return my call, so I waited another day and called him back and now he has an invalid number. My initial question was, why is my mortgage company charging me for arrears that I paid through my bankruptcy, in the amount of XXXX. It was completed and I was XXXX in XXXX XXXX. I also had a loan modification in XXXX which should have taken care of those arrears.
The above referenced debt is being reported in error and inaccurately on my credit report. 

The account does not belong to me and this has been confirmed in writing by Commonwealth Financial/Northeast Credit & Collection. Please refer to the attached CFPB Complaint showing that this debt is for a minor and does not belong to me. It is worth noting that I am not the custodial parent or guardian of any child whom could have acquired this debt.
This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to Experian, XXXX  and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.
I started getting calls from Citibank when my bill was 8 days past due. I spoke to someone, explained that I was unemployed and looking actively for work, and that when I got a job I'd pay them. 

The woman on the phone said " the collection efforts will continue '' and then acted like she didn't know that unemployment is a hardship. ( Seriously, they can't figure this out? ) Ever since I get a few phone calls from Citi a day, and they never leave messages even though in the initial phone call I complained about this. 

To date I have yet to even receive a written notice that I'm late! This is ridiculous. Shouldn't some kind of written notice be sent BEFORE they start calling?
I opened a citigold account with a promotional offer to get XXXX American airlines miles by satisfying the following requirements : spend {$1000.00} on debit card, 2 consecutive months e bill pay within 90 days and maintain balance of {$50000.00} in the account. These requirements were met in XXXX 2016 and they assured me that I would receive my miles by XXXX 2016. I have still not received these miles
In XX/XX/XXXX I spoke to someone with Toyota Finance about the end of the lease payment in XX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX. 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.
XXXX XXXX : Retutned equipment to a XXXX XXXX at the time we moved. Asked if we had any outstanding balance, was told no we actually had a credit which they mailed to me. Now after a year of never hearing anything, email has not changed, I have it show up on a credit report. Called to ask what was going on? They said yes you returned equipment and we mailed you a refund but if you want this to go away you need to just pay it. Which I did so it quits reporting but I am following up with their corporate office for a better answer to their mistake.
Experian is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

Experian is refusing to remove a fraud account from XXXX credit card. 

XXXX is the account number in Experian and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

Experian will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my Experian account. Experian responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my Experian account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points erroneously. 

Thank you,