WillisBack/dataset-financial-user-claim huggingface dataset:
I am complaining because CITIbank is not allowing its credit card holders to view their statements online. Over a two week plus period, I have been clicking on view statements through a pdf or otherwise, and the bank continually notes that its system is temporarily not working. In the meantime they send me all types of emails with special offers, etc. Today, XXXX sent me two emails which said I should click on them to view a statement ; instead I received the same message I have been getting for some time that their system is temporarily down. I do not receive this same type of fraudulent service from other banks. Your agency should contact the bank which is clearly keeping information about interest rates and prior charges from customers. Thank you.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX - Present. Experian stated that according to there report summary they only verified XXXX, XXXX and XX/XX/XXXX. But According to the Report summary on XX/XX/XXXX Report Number XXXX the XXXX  XXXX XXXX account was Unverified and was Deleted. Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
I agreed to settle in full my debt with XXXX XXXX XXXX being handled by Portfolio Recovery Associates for {$280.00}. I paid this debt to the address I was given by Portfolio Recovery and the original XXXX XXXX account number using XXXX online bill pay on XX/XX/XXXX. The payment was delivered by XXXX on XX/XX/XXXX. The creditor has either lost or mismanaged the payment but I have a proof of payment from XXXX to show that the settlement was paid by the agreed upon date.
A Chapter XXXX bankruptcy filed in XX/XX/XXXX was discharged in XX/XX/XXXX after the obligation had been met and removed from all Credit Reporting Agencies in XX/XX/XXXX.

A recent credit card application was denied and bankruptcy was used as a denial reason. I called the Business twice and was informed that the bankruptcy information was not from a Credit Reporting Agency but from their own " personal history file '' provided to them from an unknown affiliate which could not be provided upon request.
I reviewed my Trans Union credit report and I have XXXX credit inquiries from XXXX XXXX XXXX that are unauthorized and fraudulent credit inquiries. I am a victim of identity theft and been a victim of identity theft for over 7 years now. I want Trans Union to remove the credit inquiries from my credit report.
I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.
Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. 

I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. 

I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due date.
Back in XX/XX/XXXX I have a returned credit card payment on my old navy store card through synchrony bank. I corrected the issue a few days later. Moving forward I made all of my payments on time every month. In XX/XX/XXXX I got another returned payment notification and again I quickly corrected the issue. My card has always been set up on auto pay but on this day in XX/XX/XXXX synchrony bank attempted to collect the scheduled payment around XXXX est and my direct deposit did not enter my account until after XXXX that day. Although I made the payment once I was notified that the payment was returned my account with synchrony bank was closed. I spoke to a rep and XXXX managers and was told that there was nothing that they could do to help me. I do n't feel that this bank is for the people, I feel cheated. Ive been working very hard on my credit and to have a closed account on my credit report is just down right wrong. The rep and both managers totally understood where I was coming from and even stated that I 've made all payments on time. They were very apologetic but could not do anything to reopen the account. My current balance on the card is {$57.00} not even close to my {$300.00} limit. Is there anything that I can do to get this card reopened? I am planning to purchase a home this year and I really do not want this on my credit report.
I spoke with 4 different employees ( 3 supervisors ) with trans-union. I filed numerous complaints that a bankruptcy public record should have been removed from my credit report as of XX/XX/XXXX when I initially started my bankruptcy. They stated that the court is showing that the bankruptcy wasn't filed until XX/XX/XXXX. I spoke with a lady with the bankruptcy court who stated that they have nothing to do with the credit reporting agencies and that I should request proof of documentation of how they allegedly verified the information as accurate on my credit report. i have sent numerous disputes to trans-union in reference to this and each time it has come back as " verified '' but they they will not show me or tell me how they verified it. I was told I would need a subpoena in order to get proof of how they allegedly verified the public record is accurate. They are obligated to removed the false information off of my credit report by federal law if they can not accurately determine if it is supposed to be on there. They have failed to remove it from my credit report and have failed to provide me with documentation showing how it was allegedly verified. They are in violation of the law. This is my first step, per my attorney at getting this situation resolved. XXXX  removed the inaccurate bankruptcy public record from my credit report without any problem. I was told by employees, " were not equifax and not obligated to remove anything just because another credit reporting agency has removed it. '' They're basically telling me I have to sue them and obtain a subpoena to receive any proof that they confirmed this account is accurate. CROOKS!
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 
After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.
PHH Mort gage was included in my Chapter  XXXX  Bankruptcy which was discharged   XX/XX/XXXX ..  In   XXXX   XXXX     that mortgage company decided to do a NEW update of the  DLA date  and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A  DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law
It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.
I have contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account
Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in   XXXX   XXXX    . Complaint #  XXXX  has stated that TransUnion was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States  Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court repre  sentative. I asked him, " How is it that TransUnion or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.
I then decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it i  mmediately.
Chase refused to give me a credit after I disputed the transaction. The merchant refused to give me a credit even though they delivered a product to the wrong address. After the the merchant sent XXXX documentation CLEARLY SHOWING it was delivered to an address that was not the delivery address, Chase still refuses to give me a credit for the amount. I talked to XXXX, a disputes supervisor and he was unsystematic and completely unwilling to help me find a solution to the issue. They are clearly colluding with the merchant and not protecting the their customers art all.
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623, subsection ( 8 ) (  D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, secti on 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.    1.   XXXX   XXXX  : This account I have never done business with this company error please delete.   2. XXXX  : This account has inaccurate info  629 vio lation please delete.    3.    XXXX   XXXX   : This is inaccurate in information no validation errors please delete.   4. XXXX  : This is not a valid account error. I do not recognize this company no proof of claim information please delete
I was in need of car good running car .I went XXXX XXXX to buy a car it was a XXXX XXXX it had very low mileage. I drove the car about a month. the engine light .i contact the dealership .they told me to bring it to be checked was.I did was told the cowl was out and it would be replaced. I pick the car up from the dealership .drove it for a day the engine came on again this time I called Santander to inform them of what was going on with the car.I still made my payments on time of {$440.00} per mo .Even those the was sitting in my parking stall.this went on about two.expain to Santander.I can no longer make payments on a car that is not running. and pay for a rental car.I needed to retune the .so i parked it on the street.I they never told me they picking up the car .I recived papers in the mail the car had been repo .then the call stared every win am going to the balance .i ow {$12000.00} this repo I can not get another car loan because of this on my credit.
The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. 

The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX  & XXXX. 

On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status.

On XX/XX/XXXX I received notification that the account was closed.

On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. 

I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. 

Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. 

Thank you.
I have submitted several request to Equifax, XXXX and XXXX as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency
I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a young adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a XXXX XXXX college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over 7 years old!!
Item is still reporting on my credit report although my ex wife took responsibility for this debt and needs to be held responsible for it. This debt is no longer mine according my divorce, which is Missouri Case Number XXXX.
My line of credit ( LOC ) payment with Citizens is due by the XXXX of the month. It is set-up with a pre-authorized debit payment to come out of my checking account. ( same bank ) The amount due is approximately {$96.00}. Since I began making {$300.00} payments on the XXXX of each month, my pre-authorized payment due on the XXXX has not been debited from my checking account. On XXXX XXXX, my {$300.00} payment was made, however, on XX/XX/XXXX, the bank debited my checking account for the XXXX statement balance of {$96.00}. This is the first time this has happened. 

I called the bank and they informed me that their institution had recently made a change in their loan payment processing systems, It was explained to me that with the changes, anyone making a payment, prior to the due date, that is equal to or greater than the statement balance due, will not prevent the pre-authorized debit payment from being made by their system. 

The rep I spoke with issued a " ticket request '' to the clerical dept for the purpose of over-riding this new process. He said that my {$300.00} payment on the XXXX will be recognized and my pre-authorized debit payment will no longer happen as long as my payments on the XXXX of each month continue. 

While I am satisfied that Citizens will alter this new system process for me, my concern is one of a larger scale for other loan customers of this institution. How can a financial institution require customers to pay more each month than they are required to. If someone pays a debt/loan payment earlier than the due date, haven't they met their obligation for that required payment? I pay many of my other monthly bills before the due date without any issues or additional monies requested or expected. 

Many customers probably live very tightly, paycheck to paycheck. Had this issue happened to one of those customers, there could have been additional financial repercussions for them : i.e. late payment fee and if there wasn't enough money in their checking account, possibly an insufficient funds fee and perhaps other fees.
I fell behind XXXX payments on my mortgage last XXXX 2015. I have paid faithfully ever since for 17 months now. Out of the blue, they have thrown me into foreclosure. They never gave me a warning. It states in the agreement, that you go into foreclosure after being 4 months late. I tried to work on my XXXX late payments last year with no assistance. I feel that they are not acting in a legal manner. I need your help.
Third party escrow company collected my money for attorneys fees, legal fees, admin fees prior to any of my debt being resolved with a credit card company,
I applied for a mortgage modification in XXXX and within the 3 day period, I rescinded agreement. Apparently, the company ( Ocwen ) did not honor the fact that the modification had been rescinded. The loan matured on XX/XX/XXXX. I was expecting the 15 year loan to be paid in full by this date. 

Instead, I'm told that I owe in excess of {$39000.00}. The loan started off at {$44000.00}. I found out that I was put into an interest only loan. Originally, I only wanted to save some money by doing a modification. I decided to cancel it.
EXPERIAN HAS LISTED IN THE COMMENT SECTION OF GOAL FINANCIAL THAT THE ITEM WAS UPDATED FROM OUR PROCESSING OF YOUR DISPUTE XX/XX/XXXX. I NEVER DISPUTED THIS LINE ITEM. I DID ASK FOR VERIFICATION FROM EXPERIAN THAT THEIR SHOWING ME TO BE 180 DAYS LATE ON MY PAYMENTS WAS CORRECT. THEY HAVE NOT BEEN ABLE TO SHOW ME VALIDATED PROOF. HOW CAN I BE LATE ON A LOAN THAT WAS IN FEDERAL DEFAULT PROGRAMS XX/XX/XXXX AND XX/XX/XXXX. THIS INFORMATION THAT THEY ARE LISTED IS INCORRECT. SO I AM ASKING THAT THEY GO BACK TO XXXX AND GET PHYSICAL PROOF THAT I WAS INDEED LATE FROM XX/XX/XXXX TO XX/XX/XXXX. I DO NOT BELIEVE THAT I WAS AND YET THEY ARE REPORTING THIS. I AM ASKING THAT THIS ACCOUNT BE UPDATED TO SHOW OK/CURRENT TERMS OF AGREEMENT MET AS WELL AS UPDATE THE COMMENT TO SIMPLY SAY " ACCOUNT CLOSED DUE TO TRANSFER '' AND TO REMOVE THE REST OF THEIR STATEMENT THAT MENTIONS THE WORD DISPUTE. NO ONE DISPUTED THIS. ASKING FOR PROPER VERIFICATION IS NOT DISPUTING.
My student loan was transferred to Nelnet around XX/XX/2015 ( about {$64000.00} ). I had been happily paying {$550.00} per month ( {$190.00} to principal, {$360.00} to interest ). In XX/XX/2015, Nelnet reduced my automatic payment to {$340.00} ( without asking me ). I assumed they knew what they were doing. Wrong. They used all that payment to pay interest without applying anything to principal! I am now two years behind in lowered principal plus, my loan amount is now up to {$64000.00}! I contacted them last month and they agreed to raise my loan payment. It is now {$570.00}. But, they are only applying {$35.00} to principal and {$540.00} to interest! My rate is supposed to be 6.625 %. Where is all this interest going? At this rate, it will take me 153 years to pay off this loan! ( 153 x 12 = 1836 months which equals {>= $1,000,000} of payments ). Of course, I will be long dead by then. Is n't this malpractice? In my business, I would lose my license for doing something like this.