WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I went to XXXX XXXX  XXXX of XXXX with a pre-approval letter that I received in the mail from XXXX  XXXX. When I arrived and got with a Salesman XXXX, I advised him I only wanted to take up the offer from XXXX XXXXXXXX and I didnt want my credit to be ran with any other lender. He assured me it wouldnt be due to XXXX XXXX had already agreed to the pre-approval. He came back with a paper and asked me to sign saying I needed to sign to get the pre-approval for XXXX XXXX, so I signed. I was not aware that I was signing for them to run my credit with a series of other lenders. I discovered this by the notices I started getting in the mail a couple weeks later. When I contacted the dealership I was placed on the phone with a rude finance manager who was basically telling me he had my signature and thats what I ageeed to when that was not true. My signature was there because I was under the impression it was needed for XXXX   XXXX not to get me financed with other lenders, when I specifically said when I arrived, I only wanted XXXX XXXXXXXX. They did not attempt to help at all. They threatened to call the cops and have me removed from the facility after their fianc manger followed me to my car using foul and XXXX slurs that I will not mention here. The issue needs to be addressed because I did not authorize them to process these things against my credit.
The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Experian for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
XXXX  XXXX in XXXX, TX submitted a debt to National Credit Systems under my name that was attached to a different tenant. I never lived there, I simply applied but did not move forward with the lease. Both XXXX XXXX and National Credit Systems were not helpful in correcting the situation. They repeatedly gave me the run around and treated me rudely ( NCS ) when in actuality I was only trying to correct an error on their part. NCS would not direct me to the correct departments or provide helpful information.
This letter is a formal complaint that Transunion you are continuing to report inaccurate, and invalidated credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate invalidated information is a mistake on your part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
AS I HAVE PREVIOUSLY DISPUTED THE FOLLOWING INVALIDATED, INACCUARTE INFORMATION WITH TRANSUNION BEFORE, AND TRANSUNION HAS RESPONDED BACK TO ME VIA THE CONSUMER FINANCIL PROTECTION BUREAU PORTAL, THAT THE FOLLOWING INACCUARTE ACCOUNTS AND NAMES HAVE BEEEN COMPLETLY REMOVED FROM MY CREDIT REPORT! AS OF XX/XX/2016 WHEN I RECIEVED MY NEW CREDIT REPORT FROM TRANSUNION THE FOLLOWING DISPUTED INACCUARTE INFORMATION, THAT TRANSUNION WROTE BACK IN THIER RESPONSE TO ME VIA THE CONSUMER FINANCIAL PROTECTION BUREAU PORTAL THE INACCURATE INFORMATION IS STILL CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I WOULD LIKE TO ASK TRANSUNION WHY? THIS INACCUARTE INFORMATION IS STILL BE DISPLAYED ON MY PERSONAL CREDIT REPORT? 

THE FOLLOWING INVALIDATED ACCOUNTS INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT : INACCUARTE NAMES : XXXX WHO IS THIS? 
AND XXXX, XXXX WHO IS THIS PERSON? I HAVE NEVER USED THESE INACCUARTE NAMES, AND I WOULD LIKE TO KNOW WHY THEY ARE CONTINUING TO BE ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT? 

MY LEGAL NAME IN WHICH IS THE ONLY NAME THAT I USE SHOULD BE BEING DISPLAYED AS FOLLOWS ONLY : XXXX PLEASE MAKE SURE THAT MY NAME ONLY REFLECTS AS LISTED ABOVE. 

INACCUARTE DISPUTED ADDRESS CURRENTLY BEING ILLEGALY DISPLAYED ON MY TRANSUNION CREDIT REPORT : XXXX, CO XXXX I HAVE NEVER USED THIS INACCUARTE ADDRESS, AND I HAVE DISPUTED IT WITH TRANSUNION SEVERAL TIMES, THIS ADDRESS SHOULD NOT BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT! THIS ADDRESS SHOULD BE COMPLETELY REMOVED AS PER TRANSUNION HAS WRIITEN BACK TO ME AND STATED THAT IT WAS! 

XXXX ACCORDING TO MY RECORDS I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY ARE BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? I HAVE REQUESTED THAT A LEGAL VALIDATION BE MADE IN REGARDS TO THIS ALLEGED DEBT, AS OF XX/XX/2016, A LEGAL VALIDATION OF THIS DEBT HAS NOT BEEN MADE, THIS ACCOUNT SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE.
I was contacted on the morning of XX/XX/XXXX about an erroneous debt that ARA said that I owed ; the name of the person that talked with me was XXXX XXXX. ARA alleges that I opened a credit card account in XX/XX/XXXX and that I made payments until XX/XX/XXXX. They further allege that I then stopped making payments. They have the wrong person. Today, XX/XX/XXXX, I received a letter from XXXX XXXX of ARA including an affidavit of assignment of a debt to ARA. The letter instructs me to make a payment by tomorrow, XX/XX/XXXX, for a partial sum of {$2300.00} on the owed balance, or else I owe the full amount of {$17000.00}. Again. They have the wrong person and provided no further details around this alleged debt owed by me. I did not open this account almost 40 years ago. I have never seen any adverse reports on my credit history that would reflect this type of default, and I remain in good credit standing. I deny that I am the debtor that ARA are looking for. It would have been impossible for me to maintain my military security clearance for the 22 years that I spent on XXXX XXXX, which includes the time of the alleged debt default of XX/XX/XXXX. The unprofessionalism from ARA is concerning. They asked me lots of personal questions and I felt pressured by them. Isn't there some statute of limitations that applies to this type of harassment? In their letter they state that if I settle the debt, they won't report any derogatory information to the credit bureaus. Isn't that illegal in this case? This is causing me great stress. 

I just don't know what my options are here.
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 

XXXX : :XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX : :XXXXXX/XX/XXXX
To Whom It May Concern : I escalated a request to have all remunerations refunded due to credit terms " originally '' signed via ( Citibank 's executive office ) whom is now an account servicer of which ( XXXX ) serviced the debt effective XXXX XXXX, XXXX. After requesting in writing on multiple occasions to have all payments refunded via XXXX XXXX ) now Debt Protection ( Citibank ), a service I am not deemed eligible for per " initial '' credit agreement/disclosure signed XXXX XXXX, XXXX via ( XXXX ). 

However ( Citibank ) recently sent correspondence dated XXXX XXXX, XXXX stating I am eligible of which, a ( Citibank ) agreement sent was never signed or disclosed when originally applying for a " Best Buy ( XXXX ) In Store '' consumer credit card. XXXX XXXX an assigned executive response unit liaison submitted a ( Citibank ) Debt Protection disclosure after disputing my disposition regarding a ( XXXX ) disclaimer she initially sent XXXX XXXX, XXXX which states unemployed borrowers and/or part time employees are not eligible for " XXXX '' which is now classified as " Debt Protection '' per ( Citibank ) due to servicer change/acquisition. It seems as if ( Citibank ) is not willing to refund a balance which is owed for cancelling a service I paid into " prior '' to ( Citibank ) acquiring an account generally speaking. I would be obliged for this letter to be shared with my California Attorney General and all governing agencies for this process is now considered fraud for fictitiously submitting a ( Citibank ) disclosure in place of a ( XXXX ) disclosure automatically deeming a request/claim irrelevant.
On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money.
please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both XXXX and XXXX, but still they have not removed this account except XXXX. 
XXXX needs to remove right away instead of disputing this account. 
thank you for your cooperation
On XXXX XXXX of 2015 we closed on our house. We were told by the closing attorney that we had to come to closing with almost {$5000.00} over and above the loan payoff amount because, Bay View loan services, our mortgage lender said they wont prorate the loan past the XXXX of the month. So we effectively paid penalties of {$77.00} per day for the entire month of XXXX even though we sold the house on XXXX XXXX. I then received a letter from Bay View saying they received our payoff on the XXXX of XXXX and that we would be refunded our overpayment and our our escrow funds in the amount of {$4900.00} in 21 days. On XXXX XXXX, 28 days later, I called to see where our check was. They informed me that the address they had on file was wrong and the check had to be reissued. I said ok, corrected the address error and waited another 2 weeks. When I called back on the XXXX of XXXX, I was informed AGAIN that the address was still wrong and had not been corrected from the previous call. At that point I asked for a supervisor and was put on hold and then hung up on. My wife tried the same day and the same thing happened. I waited and called again on the XXXX of XXXX and was assured on that day that a new check had been issued and we should have it within the next 7-10 business days. On XXXX XXXX I called again because we still had not received the check, I was told that it was sent and to please be patient. I called them again today and finally got someone in customer service. They informed me that according to their records multiple emails had been sent to the department in charge of this and they had all gone unanswered! No check had ever been reissued! Which means everyone that I spoke with lied to us up until today. The customer service manager that I spoke with assured me that the matter was being looked into now and that I would hear something by the end of the week. We are now 72 days past closing. 
To make matters worse, when they gave me the amount that was to be paid back to us was wrong. 
In XXXX of 2015 we received notice that our current mortgage with XXXX was bought by Bay View Loan XXXX We made our XXXX 2015 payment to XXXX which in turn sent the check to Bay View XXXX who then cashed the check. You will notice the cancelled check in the documents sent. However, when our XXXX statement came from Bay View, it had not reflected the XXXX payment. So the payoff amount at the time given to the closing attorneys was wrong. This company owes us our escrow overage, the penalties for the month of XXXX and the XXXX principal and Interest payment. All totaling over {$8000.00}. 
My wife and I are at our wits end with this and are not sure where to go from here.
I was in a near fatal car accident on XX/XX/XXXX, I had full coverage including personal injury protection, the other driver also had full coverage. After some minor medical procedures and therapy I was back in good health. Some of my medical appointments were at XXXX XXXX and the billing/payment process was delayed by my insurance company until they could coordinate with the other driver 's insurance company. After about a year the other driver 's insurance company settled, but during that time frame I personally received numerous collection attempts ( even though I was covered ). My credit report still shows an {$82.00} dollar collection from Suburban Credit Corporation despite the bill being settled by my attorney almost two months ago ( XX/XX/XXXX ). I have called numerous times to request removal and they keep saying it will be off next week. This is negatively impacting my otherwise flawless credit history and effecting very important loan rate quotes.
On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.
Citibank bank chooses to continue to use an automated system and ignore my inquiries. Citibank continues to break law. 

Citibank took over Costco XXXX when a dispute was in process. Citibank chooses to ignore it. 

Month 0 - late charges disputed with Citibank 's first bill to me. I let them know that I received the bill but not the cards. Citibank initially " responded '' to me, but called me by another name and asked for information they had access to with basic customer service skills. I reiterated who am I, and they continued, for months to deliberately refer to me by another name. However, I stopped receiving bills. It seemed like all was well and the account was closed as requested. 

Month 3 - a Collections Agency contacted me by mail claiming I owed the amount originally disputed. 
Immediately requested validation of debt and they did not validate. 

Contacted BBB, but nothing came from that. 
Contacted Citibank online, and once again they continued to refer to me by another name. 
Counsel advised and provided cases to demonstrate that Citibank likes to wait until a lawsuit before attempting to provide service. 

Contrary to law, Citibank continues to charge interest and fees related to the disputed amount. 
Summary of some details : 1 ) Citibank continued to charge fees on invalid amount 2 ) Citibank constantly referred to me as another person 3 ) Citibank refused to provide simple customer service 4 ) Citibank attempted to delay by asking for information they already had and were provided 5 ) Citibank never sent cards in question even when I made them aware of the situation at the time of initial dispute 6 ) Citibank sent statements claiming validation of debt which they know is not true. 
7 ) Citibank chose to ignore fundamental requests when they could have analyzed the situation 8 ) Citibank chooses to apply undue XXXX 9 ) Citibank chooses to ignore their own copy of statements showing that at some point after the dispute a valid purchase charge did occur, which the customer was not aware of. They could have and still can argue that they could apply fees on that amount. However, they have not, because due to in house procedures, they are awaiting a lawsuit against them prior to making any actual analysis of the account in question. 

Counsel has made it clear that as a business, Citibank must do what they can to yield returns for stockholders. This includes defrauding customers and abusing the system. They are so large that the bad word of mouth and negative publicity and small XXXX dollar fines fail to impact their business model. 

I am interested in what Citibank deems a fair business settlement with me at this point. Citibank has clearly broken numerous laws that the CFPB can cite. The customer is now aware of charges that could occur interest, but have no bearing on the original dispute or the laws Citibank continues to break or stress Citibank continues to instill. The miniscule charges Citibank could lay valid claim to pale in comparison the clear claims I hold against them in small claims court, let alone beyond.
In XX/XX/XXXX over several visits I visited XXXX XXXX XXXX and always provided co-pay payment with each visit. At the end of XX/XX/XXXX XXXX ( AKA XXXX XXXX XXXX ) was sending me different amount due on my account. I made phone calls and two trips back up to XXXX settling the matter. As of XX/XX/XXXX I provided bank statements with charges applied that matched each visit. ( Basically did their job for them ). XXXX located at XXXX XXXX XXXX location in Kansas took the statements. I called her back a few days later and she said my account was paid in full. Now almost 2 year later I received a collection letter last night. When I spoke to my insurance company back in XX/XX/XXXX they told me all I would owe is the co-pay of {$65.00} for each visit. Which I have done and provided proof back in XXXX. Matter of fact I don't have copies of these statements because XXXX asked if she could have them to fix my account so I gave them to her. 
Last night I received a collection request from XXXX XXXX XXXX on account XXXX File # XXXX for {$62.00} owed. I have never seen this amount. Another new amount. I have documentation of the dated of service. I believe there could be fraud for all the different amounts they keep trying to bill me. 
I don't know what else to do. Please help.
Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company. 

XX/XX/XXXX Discover credit card company locates payment internally.

XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing  payment has been located and notifying customer payment was initially sent to an invalid account. 

XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit  card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.
In reviewing my transaction history, I noticed that, on XXXX XXXX, 2015, my escrow account was charged {$700.00} for monthly XXXX ; this amount is XXXX times my current monthly charge of {$170.00} for2015. I 've attached the XXXX-month transaction history for my account. 
On XXXX XXXX, 2015, I e-mailed Bank of America, requesting an explanation. 
I have not received a response, and the charge has not been corrected.
An unknown company with an unknown date reported some payday loan or something that is not mine to XXXX  and XXXX on XX/XX/XXXX. I filed a complaint with both credit reporting agencies with supporting documentation and XXXX removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by this time
I moved to US in XX/XX/XXXX under XXXX. I have secured credit card with WF, XXXX branch, XXXX XXXX. I applied for unsecured Credit card in XX/XX/XXXX and received a letter to submit copy of my SSN, which I did promptly. XX/XX/XXXX I received communication from XXXX citing that my credit card has been rejected because I am not a US resident. No one told me this when I applied at the branch. they pulled my hard credit. There is no where mentioned on WF site that they dont issue credit cards to NON US residents. Its pure discrimination. i have credit cards and from other banks and departmental stores. I maintain healthy credit profile and have invested from my own resources in US in past one year. I dont have any problem on rejection from WF but the discriminatory attitude from the bank. Now i have closed my secured credit card account for XXXX USD with WF and they dont want to return my money for 60 days. i have no out standings in my account. I have written at the highest level but same replies.