WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a home equity line of credit application with my bank, Citibank in XXXX XXXX and was initially offered a conditional HELOC of {$450000.00} ( in writing ). I was continually denied credit and after working with multiple higher levels within the organization and months of providing all data requested, on XXXX XXXX, they declined to offer me even as much as {$1.00} credit and I decided to file this complaint. 

With .... 
-Over 24 years of continuous banking relationship with Citibank -Status as a Citgold client ( their premium customer level ) -Over $ 100XXXX in deposits in my Citibank accounts consistently since XXXX ( including right now ) -Two previous home equity lines of credit with Citibank -A credit score of XXXX, the highest the loan officer had personally ever seen -Over $ 1XXXX in home equity in my XXXX homes -Over 80 % value equity in the home Citi would be issuing the line of credit against XXXX jobs from XXXX and my own consulting business -Already XXXX scheduled classes at XXXX XXXX XXXX ( at top XXXX public University in the world ) confirmed -A pending job as a XXXX XXXX XXXX as per the XXXX of the University with an anticipated annual salary of {$90000.00} -Over {$30000.00} annually in rental income profit ( $ XXXX gross ) from my XXXX XXXX XXXX car garage home that has a signed annual lease that Citi has a copy of at their request ( that has a loan/value ration of XXXX ) -A {$120000.00} annual consulting contract with my largest client that Citi has a copy of at their request -A statement from my XXXX CPA stating my anticipated income for XXXX to be at or over $ 120XXXX that Citi has a copy of at their request -Copies of my personal and company tax returns for the past 4 years that Citi has a copy of at their request. 
XXXX prior conditional approvals from Citibank for a home equity line of credit of $ XXXX and $ XXXX -My prompt and highly detailed/documented submissions of everything Citibank has asked for since starting this home equity line of credit application in XXXX, XXXX ( 5 months ago ) ... yet, I was still denied a Home Equity line of credit approval. 

The idea that my bank of over 24 years wo n't lend me even {$1.00} with this stellar and almost model loan applicant status is shocking, so I am asking the CFPB to intervene in the process with Citibank to review and overcome any approval issue. 

Thank you so much for your assistance.
XXXX2018-present Equifax has admitted that they imputed the wrong information under my social security and froze my account when a mortgage lender tried to check my credit. I have called and sent current documents every day sense last Monday but no one will tell me if the documents were received and how long this will take. It is causing stress as my family and I have already put in an offer on a house.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE on XX/XX/2016 which l have no idea about it at all.
On XX/XX/XXXX, a letter I sent to Well Fargo Office of The President was received at their office. In the letter, I requested pertinent information pertaining to an account Wells Fargo is Inaccurately reporting on my credit Report. In the letter I specifically wrote " ... you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. '' The purpose of the letter was to dispute an account that is inaccurately reporting on all three credit reports. 

On XX/XX/2018, I received a voicemail on my phone from XXXX XXXX, DS Executive Resolution Specialist from Wells Fargo Auto. She called me from ( XXXX ) XXXX extension XXXX. Her call was unacceptable and violated my rights under the Fair Debt Collections Practice Act. This call left me feeling confused and she disregarded my personal request written in the dispute letter received by her office on XX/XX/XXXX. The documents that she sent as proof does not match my legal and correct name and violates the UCC 9-506 ( b ). EFFECT OF ERRORS OR OMISSIONS. I demand that this account be deleted immediately off of all three credit reporting agencies.
I did not borrow money from them and do not know who they are or how they got themselves on my credit report. I talked to a lawyer about this problem and the lawyer said that I do not owe them any money and what they are doing is illegal because they do n't have any proof of me owing them anything, when they called me I contested the bill and asked for an itemized bill and they could not produce XXXX.
I incurred 2 overdraft fees on XXXXXX/XX/XXXX as a result of my 2 student loans being debited from my account 8 days earlier than usual ( {$360.00} + {$640.00} ). It put my account in the negative, and when I charged an {$8.00} cab ride on the card again not knowing my account was in the negative I incurred an additional {$38.00} fee that same day. A total of 3 fees on the XX/XX/XXXX for a total of {$110.00}. 

I live in XXXX  XXXX XXXX, and have a Comerica account in Michigan  because of a client I have in Michigan   deposits checks into my account once a month. There are no Comerica bank branches in XXXX  XXXX  XXXX, therefore I can't get my account into the positive unless I either transferred money or I flew to Michigan  to make the deposit. Transferring the money would take usually at least 2 business days ( usually 3 or 4 ), and as a result I would continue to incur overdraft fees. My account was a - {$73.00}, so waiving 2 of the 3 overdraft fees would put me in the positive and would stop the process of additional overdraft fees being charged to the account. I called customer support on the XX/XX/XXXX hoping they would work with me in order for my account not to keeping incurring overdraft fees, and was told there was nothing they could do. In addition they suggested my only option was to speak with the bank manager where the account was opened and it would be up to their discretion to waive the fees. 

The person on the phone also notified me that I've had overdraft fees waived in the past before, so it's very likely that the manager would not waive these fees. This left me with no other option, than to either continue incurring the fees until I was able to transfer money into the account or fly to Michigan to make the deposit. When I called the bank to speak with the manager, the manager refused to waive the fees and was not willing to work with me. I felt absolutely helpless, and the manager and customer service continued to reiterate that there is nothing they could do for me. 

While I understand the fees where incurred as a result of transactions I allowed, I did not expect the bank to refuse to work with me on this case. In addition, knowing that I would continue to incur overdraft fees for a least 2 business days which would continue to drive my account into the negative, was a viscous and unfair decision by the bank representatives.
Like everyone else, I have no idea whether my personal information was compromised by the Equifax hack. I attempted to sign up for the company 's TrustedID Premier service that it is offering to people whose information may have been compromised. I filled out the form on the website, but did not receive a confirmation email until 3 days later. I was instructed to click a link to confirm my registration, did so, and then was told I had " already registered '' and should log in with my existing username and password. I do n't have an existing username and password, sparking fears that my information has already been hijacked or used by hackers. I then requested to reset my password and was sent a password reset link. I clicked that link and the site failed to load. It eventually loaded after several tries, then froze when I attempted to actually reset the password.
In short, I have no idea whether I have been enrolled in the monitoring service and apparently the company is completely unable to handle its own disaster.
I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.
Diversified Consultants Inc has called my phone number 6 days week up to 2 times a day since XX/XX/2018. I have told them do not contact me by phone use the USPS for communication. The phone number that is begin called is someone else phone number. 
The last call I received was today Monday XX/XX/2018. This company claims that I owe XXXX XXXX XXXX amount that was never discussed this information came from the person whom holds this number they are calling.
I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?
On XX/XX/2019 I emailed XXXX  XXXX XXXX regarding two accounts reporting incorrectly on my credit reports ( XXXX, Equifax, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
I had hired 3 companies in the past to help with my mortgage to get a loan modification. I had given up on the companies, partly because I was having problems with constantly having to resubmit the same papers over and over again. I finally contacted the company myself and submitted all of the paperwork and got a decision that they would not give me a loan modification.
I have had to take care of my father because I am the only one to care for him. My mother passed away 9 1/2 years ago and I have had to help with his care. Most recently he became seriously ill and I had to stay with him at his home and be his  XXXX . My grandson moved into my house and is taking care of it in the meantime. My father passed away  XXXX / XXXX /17 and I am the executor of the estate and it has a reverse mortgage on the house which requires someone to be here to maintain the house until the estate is settled. I am the executor and heir. They declined my loan modification because I have to care for my father and his estate and stay here until it is settled. The date of the decline was just told to me on the phone  XXXX / XXXX /17. The company is CitiMortgage. I have been dealing with this and have just constantly been sending in paperwork for over a year. I have paid companies {$10000.00} or more to try to help me and have this outcome. They said it will be in foreclosure but there is a court suit on it so it will be in litigation. I do n't know what the litigation is about and how this is going to affect my credit and how to save my home.
On XX/XX/XXXX I sent a letter to Experian after I noticed a bankruptcy being reported which was inaccurate. ( see attached ) Experian responded on XX/XX/XXXX saying that " the credit grantor has verified its accuracy. '' ( see attached ) The credit grantor is listed as : XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I wrote a letter to the XXXX XXXX XXXX ( see letter attached ) asking them to provide me the following information : " I am looking for information with regards to bankruptcy filings. Can you tell me what the process or method the court uses to " verify '' bankruptcy information with the credit reporting agencies such as Experian, XXXX and XXXX? How can these agencies claim they verified my information with the court and what information does the court share with the credit reporting agencies? '' The clerk of the court responded ( see letter attached ) that " the XXXX XXXX XXXX XXXX does not report information to or remove information from the credit bureaus. '' Therefore Experian is reporting INACCURATE INFORMATION ( 1 ) that the XXXX XXXX XXXX furnished and verified the information when the court clearly stated that they did not report this account to Experian! 

When I look at my credit report, it tells me the name of the furnisher of the information. That may be  a credit card company, auto lender, mortgage lender and sometimes collectors. Experian is saying that that courthouse or recorder, or whatever, is furnishing the information and the court is saying they DID NOT furnish the information. Experian is telling a bold-faced lie. 

I contacted 4 third party companies whom Experian claimed they get information from : XXXX, XXXX, XXXX and XXXX and they advised me that ANY INFORMATION THEY HAVE ON ME HAS BEEN FROZEN WITH A SECURITY FREEZE, therefore they could not have reported any information to Experian. 

Please see a copy of the Experian credit reports attached for your reference.
Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!
I have a charge off on my credit due to a fraudulent auto loan on my credit reports. I have never applied nor submitted any info to obtain this loan. I did not authorize nor co-sign for anyone else to do so on my behalf. I have been battling back and forth with this issue with the debt collector for some time now.
I demand that the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with BANK OF AMERICA, N.A. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, BANK OF AMERICA, N.A. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to XXXX XXXX XXXX XXXX. Yet the name of BANK OF AMERICA, N.A. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.
My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
I requested that  XXXX ,  XXXX , Experian remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Marylan d ( courthouse ). However, as of  XXXX 2017, this judgment still remains on my credit report. I made a seco nd request to  XXXX ,  XXXX , Experian on  XXXX .2017, requesting that the credit reporting agencies remove this item.
On XX/XX/2018 I reported a fraud to First Tech Federal Credit Union that was perpetrated using my identity. A credit card was issued by First Tech Federal Credit Union to someone other than me without my knowledge or consent, and then two {$10000.00} cash advances were made against this card. I discovered this when I received a credit card statement for the fraudulent card and immediately reported it to First Tech Federal Credit Union, the Federal Trade Commission ( report # XXXX ), my local police department ( XXXX Police Report # XXXX ) as well as the XXXX Oregon police department ( where I was told I had to report it to my local police department ), and XXXX ( report # XXXX ). First Tech Federal Credit Union said it would take up to 72 hours for someone from their fraud department to call me. Not having had any calls from them, I followed up XX/XX/XXXX. I was again told someone would call me. I have not heard from anyone since then. Yesterday I received a letter from First Tech Federal Credit Union stating that I needed to immediately pay {$400.00}. I called them again today ( XX/XX/XXXX ) and was told, again, that someone would call me back. I have been unable to speak to anyone in the fraud department in the 6 weeks since I reported the fraud and there has been no action taken on my case.
CitiBank Advantage card abruptly cancelled my card stating that I had " unusual payment '' history. When they refused to explain what that meant, I escalated to the office of President and CEO ... eventually finding out that is was because I paid my bill in cash. I was an " A '' rated customer ALWAYS paid on time. I offered to provide bank statements as to where the cash came from ( withdrawal from my checking account ) of XXXX some years ... and they flat out refused. They have tagged me as a person who can not have a CitiCard in the future. I maintain large balances at CitiBank, I have been approved by the XXXX ( in order to get a XXXX ) ... have an excellent XXXX own a home, lease a car..etc and ... I explained that I felt like a dolphin who got caught in a tuna net ... and would they please re examine, that I would provide any and all supporting documents or statements they would like..and it was a flat out " NO '' ( only real reason I cared ... .because I earned XXXX XXXX XXXX ) but it was wrong all together. 
To add insult to injury, in the midst of the dispute, as I awaited a response, I was late in that XXXX payment ( waiting to see how they wanted me to handle the balance since card was cancelled ). Although I paid balance in full ( $ XXXX dollars ) they reported that as a late payment to the credit bureaus and have refused, even as a one time courtesy ( an only time ) to remove it. 
I reapplied for the card a year later ( only for the XXXX milage ) and was refused. I have XXXX gold and platinum, so I do n't think I 'm much of a credit risk ... .after many phone calls with them ... it turns out that they have marked me much like someone on a " no fly '' list. 
It comes to mind every time XXXX as they advertise HEAVILY for Citi Advantage card ... .and I fly a lot.
This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.
I keep my credit scores on very close watch and was notified my scores fell below XXXX this morning because of a collection. I have XXXX collections on my reports. I pay all my bills and keep my credit very clean because it is the lifeline to owning things in life. I have documentation from my doctor office showing my balance is XXXX and this company is reporting false information in direct violation of the very laws that are supposed to protect me listed in the FCRA. I have asked this company to immediately remove these items and also requested no further contact XXXX Please help me get this company to remove this false information from my report and discontinue calling my home
Equifax - trying to place security credit freeze on my account, after entering my personal information, the option is not show to place a freeze. 

Contacted Equifax at XXXX, told to try website again, maybe the option to freeze will show up. Customer service person had no clue what to do or how to help