WillisBack/dataset-financial-user-claim huggingface dataset:
I called to cancel my Citi Thank You credit card account when the yearly fee of {$95.00} posted to my account. I called on XX/XX/2018 and during the call decided to keep my account open as I was told the $ XXXX   yearly fee would be refunded after 3 months of {$1000.00} 's in purchases. I have used the card for 4 months with over {$1000.00} in purchases each month and have not had the yearly fee refunded, as Citi Thank You promised. 
When I called Citi Thank You on XX/XX/2018 to ask about the refund the customer service representatives hang up on me immediately. First time it was XXXX, and the next time it was XXXX. XXXX pretended he could not hear me and hung up within 3 seconds of us being connected. I heard someone talk to XXXX softly ( I could not understand what was said ) right after he asked me for the account number and then he just hung up.
Starting back in XXXX, a debt collection company that goes by the name XXXX XXXX XXXX EOS XXXX, and XXXX XXXX XXXX XXXX  XXXX has been continually mailing me letters claiming I owe them {$810.00} and XXXX is the original creditor. Its come to my attention that this debt was XXXX in my Chapter XXXX Bankruptcy back in early XX/XX/XXXX. And that is public information through XXXX. Plus Ive also written to this company on a couple occasions in the past and also just recently explaining to them that this debt was XXXX in bankruptcy back in XXXX. This is a clear violation of Title 11 U.S. Code 524 ( a ) ( 2 ). They have ignored and disregarded this information every time Ive told them and they still continue to insist that I owe them this money. In XXXX of XXXX I even had one representative from their customer relations department, via a phone call, say to me she didnt care about the bankruptcy that all she cared about was collecting money from me for this debt. On XX/XX/XXXX they openly admitted to you CFPB that the XXXX statements that they are in possession of are dated XX/XX/XXXX & XX/XX/XXXX, which shows they were aware this debt was XXXX in my XX/XX/XXXX bankruptcy. 
And in addition to all of that they are currently paying to report negative derogatory information on all 3 of my major credit bureau files. Which is in violation of the FCRA which states that while an item is being investigated the debt collector MUST indicate that the account is under dispute and must remove/cease from reporting any information on the item. Again they completely disregard this as well. 
Public records show across the entire US show that XXXX XXXX XXXX EOS XXXX XXXX XXXX XXXX XXXX XXXX continually violate the laws set forth regulating their practices in multiple lawsuits filed against them, many of which have been found in favor of the consumer. And theyve already been the defendant in class action suites as well. And yet they still remain in business to continue on with their unfair illegal collection practices. Obviously money paid out for law suites against them does nothing to make them change their practices so to be within the law. 
I sincerely appreciate the helping with the matter. But ultimately what really needs to take place is someone / some agency looking into all the complaints and lawsuits against them as a whole big picture of the company and stopping them from continually being able to break the law and hurt many consumers. Its not fair to all of us consumers that they essentially get away with deceptive, hurtful, illegal practices with no more than a financial slap on the wrist.
I received a call from RS Clark at XXXXXXXX XXXX CST onXX/XX/XXXX. The caller identified herself as XXXX, I properly identified myself and asked her to stop calling me. She said she has to keep calling. I told her a 2nd time to stop calling and that it is my understanding that she has to stop calling. She said no she has to keep calling. I verified her name one more time and told her that I am filing a complaint. I do not want phone calls or letters. Its already on my credit. Please do not disturb me. 
Thank You
Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank.
Just some history : My wife XXXX and I purchased our home in XXXX XX/XX/XXXX and my mortgage company was XXXX XXXX which then sold the loan to Specialized Loan Servicing, LLC, ( SLS ). At that time we where residents of Vermont and we spent the seasons in XXXX. XXXX XXXX XXXX on XX/XX/XXXX from XXXX. I sold my house in Vermont on XX/XX/XXXX and moved to XXXX. XXXX estate had been long settled and all our banks account where closed and I presently do all my banking XXXX. 

In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX  and in XX/XX/XXXX SLS sent me a check for {$860.00} to close out my mortgage. However the check was made out to my self and XXXX. I called SLS and explained to SLS my wife had passed way and I couldnt cash the check. I also reminded SLS on XX/XX/XXXX I sent them a letter stating XXXX died along with a copy of the Death Certificate. SLS agreed they had a Death Certificate but SLS said SLS had to make the check out to both of us. After constantly explaining to them my wife estate was settled and I had no joint account. SLS finely send me to a person that could help, that person said to send a letter explaining the issue and SLS would send another check made out to me only. I typed a letter XX/XX/XXXX mailed it to SLS. I called again on XX/XX/XXXX and spoke XXXX ; he informed me they never received the letter. XXXX gave me a fax number and I faxed a copy the same letter I mailed early. I have a copy of the fax and the transmission verification report. I have called SLS on XX/XX/XXXX and was told the check was in approval process. On the XX/XX/XXXX I called to see if the check was released. I was told I should have the have the check by XX/XX/XXXX, never happened. I called again on XX/XX/XXXX. This time I was told to check has been approved, but not issued. I asked to have a manager to call ; once again they never called back. I called again on XX/XX/XXXX and was told again the check has been approved, but not released. Again I asked to speak to a manager ; again I was told the manager would call me within 4 to 6 hours. Never happened.

I must say SLS is the most unprofessional company I have ever deal with. One of the issues is every time I call the wait time is very long, and phone number that SLS provides is not the department that handles my problem ; so each time I call I have to go through the entire problem, then Im transferred to the correct department and wait. I asked for the number for that department and they wouldnt give it to me. Every person I spoke to said this shouldnt happen, we will get it fixed. 
This issue has been going on since XX/XX/XXXX, to my understanding there is legal reason SLS cant send me check. I believe SLS acted very unprofessional and the way they conduct business leaves a lot to be desired. I believe they are just jerking me around, with the hope I will go away.
I applied for and used Wellsfargo cash wise visa card last XXXX because there was a promotion said that there would be 0 % APR for 12 months, get {$150.00} cash back if I purchase {$1000.00} or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in XXXX ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo XXXX XXXX and XXXX branches to confirm 0 % APR after I received first credit statement, and no one told me that I need play any interests within 12 Months. Yesterday - XXXX XXXX I received the Wellsfargo cash wise credit card statement charging me {$20.00} interests, other than paid me {$150.00} as the promotion said. Yesterday I called the credit card customer services again and asked the representative why, and I was told that he would fill out a form for me and send it to credit card finance service department to get this promotion approved and there is no guarantee for that. I never had this kind of situation before and I could not image that the major credit card company will eat their promise to their costumes, I am feeling cheated. I need your help in investigate this case.
A lady name XXXX XXXX called me at XXXX today from ( XXXX ) XXXX saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( XXXX ) XXXX ex : XXXX and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for {$2700.00}. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I had plenty of opportunities to pay by mail and that I was receiving a lot of mail from them, which is n't true. I did receive some mail a while back, but I had no way to pay off the debt at the time. I told her I 'm willing to pay {$40.00} per month now, which is what I can barely do, because I only work part time and I school part time, but I would prefer to do it via mail, not over the phone. She then transferred me to her supervisor. She repeated all the details of the debt for me. I told her again I 'm only willing to pay by mail and I do n't have a check card, I have an old Debit Card that only works at ATMs. The supervisor then asked for my banking information since I ca n't do the checking option. I refused again and said only by mail and she just asked " why is that? '' I hung up, which probably was n't the best thing to do, but they were hounding me for information I did n't want to give. Also, having the lady, XXXX XXXX call and say a case has been to my SSN for fraudulent activity makes it seem like I 've done something illegal. I had no insurance back when I took the ambulance ride. I saved the voicemail XXXX left me and the other XXXX women who I talked to said the conversation was being recorded. The case number XXXX left me is XXXX.
There is a collection agency trying to collect a XXXX bill for {$240.00}. I have cleared this with XXXX. This is fraud. They said they were going to clear it up but so far it has not happened. Someone used my name and address but a different SS. Despite that, the derogatory collection issue is still showing on my credit report and the collection agency is still calling me.
On XXXX XXXX 2015 i contacted Experian 's dispute department. I explained that I need to have the statement about calling me to verify new accounts before they are opened removed, because the telephone number on there is not a valid number any more. I was sent a confirmation email with a report number ( XXXX ) and Investigation ID XXXX. The email told me to wait four days for my credit report to be updated and corrected. I contacted them again a few weeks later and received a letter of notification in the mail stating that the statement was deleted. When I contacted XXXX on XXXX XXXX, I was told that the statement is still there and I could not open an account unless I could be contacted at the number on my credit report, which is a number I have not had for years. I called Experian for a third time on XXXX XXXX and was told they would look into it and contact me by Thursday, XXXX XXXX. I still have n't heard anything.
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from Equifax, XXXX, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
I contacted Equifax on XXXX-17 to make them aware that this account XXXX XXXX XXXX XXXX account # XXXX is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account. I 've provided Equifax with an Federal Trade Commission Affidavit and filed a police report about the incident and sent a copy to Equifax. To date Equifax has yet to block this information from my credit file. I will attach a copy of the correspondence I mailed to Equifax about the incident within this complaint.
FromXX/XX/XXXXtoXX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX  to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
On  X/XX/2017    FED LOAN was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED LOAN never responded to my letter. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017 and t he balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/2017   F ED LOAN jumped the loan amount back to {$50000.00}.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Iopened a new bank account at Wells Fargo after an unsatisfactory account at at a local credit union, and they said nothing on opening the new account about me having an alleged overdraft on the closure of my old account, since both transactions were done in person. They then started withdrawing money from a savings account that they insisted I open to go along with my checking account to get no service charge with 10 withdrawals in the cycle. Which there always i, and I know of another person that is going trough the same situation with them. What is this collection by surprise or is it out-right fraud? My bank account were supposed to be available on line for 7 years since that is how i got my statement. And they have disappeared. itold them to close my savings account after I made a deposit and they took it.
.I am requesting that XXXX XXXX ( MCM ) verify there method of verification. MCM  reported to CFPB on XX/XX/XXXX. That the account furnishing to the three major credit reporting agencies is accurate. I reviewed my credit report dated XX/XX/XXXX ( enclosure ). MCM is reporting inaccurate information. The credit report states in the credit history before the dispute and after the dispute that the original amount of the account was {$3000.00}. This is a continued violation of MCM. MCM gave false information to the credit reporting companies. MCM called my home on XX/XX/XXXX when they was instructed not to call my home in writing ( certified ). I was told that the account will be deleted since it is old if I pay half of the account. I asked for it to be in writing. I countered with {$100.00} for deletion since I am on a fixed income and a XXXX veteran. I am not agreeing that I owe this account. I want this inaccuracy to be resolved. MCM  disagreed with my counter. MCM raised the credit history reported {$3000.00} original credit amount and lowered my available credit percentage. 
I am requesting that MCM verify the {$3000.00} credit history or delete the account with all major credit bureaus. MCM has a pattern of behavior of violations that has become a premeditated organized deceit in order to pressure me to pay.
Avant is reporting to XXXX  that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
I filed Bankruptcy on XX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX It also listing XXXX XXXX as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX
I called AES in XXXX, after be devastated by XXXX XXXX in Florida. I was told, I would be granted a three month disaster forebearance, Later, I received a letter stating I would owe in XXXX. After calling AES, the story changed, I was told they would have file paper work with XXXX to request a forebereance. Now, I am being told that I will have to pay {$460.00} on XXXX XXXX, to keep current. 
This information should have been explained in detail with my first phone call. I have {$5600.00} deductible which I have to pay first before my roof is replaced. XXXX, has only offered me a loan, for which I was denied. I ca n't see why XXXX refuses to help in the time of disaster and or why AES can never relays correct information. AES loves to say the calls are recorded for training purposes, pull the tape and listen. I can not afford this payment and replace all that was lost in the storm. My roof was destroyed, along with my garage, and water damage.I am single parent working on a teachers salary, apparently to be a victim of disaster means nothing to XXXX.Who is only concerned about money.
XX/XX/XXXX I received an email about my account. XXXX account created but not funded. Please log in to your account to get started saving money with
Barclays market-leading rates. If you have any questions, please call Barclays Customer Care
at XXXX. We 're here to help you, seven days a week from XXXX to XXXX ET. Or, you can always manage your account online at XXXX. So I called and went through all my security questions later received emails that it was a change to all my account details of person information. A lady goes by the name XXXX  gets on the phone calling me a fraud saying that they only do business with financial institutions she stated I 'm not a financial institution I agreed that I 'm a financial institution I have a check book that says so. She stated that I 'm a scam fraudulent hurt my feelings all I wanted was to invest in my son and daughter futures. She hangs up on me I called back she said that she ca n't talk to me. how am I a fraud my account was closed unlawfully because 42U.S.C SECTION 1983 I believe that they are stealing accounts from the minority please help me resolve this issue
I have disputed this account with the credit bureaus on several occasions as well as disputed with State Collection Service. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud
This is reference to my credit report on Equifax where it shows I have a inquiry thru XXXX XXXX, and I never applied to use or authorize to have my credit check.
When I started to repay theses loans years ago I was encouraged to make interest only payments. It was described to me that I would be paying down a set amount of interest and when I could later afford to make higher payments, the interest owed would be paid down and I would be making payments towards the principal. Long story short, I was misled into believing I was paying down a predetermined set amount of interest. I am still paying a great deal of interest. Over the years I have paid around {$10000.00} in payments and today I owe more than I ever borrowed!
I 've been dealing with the same problems year after year since I turned XXXX ( I 'm XXXX now ) when trying to check my credit, and while looking at my credit. FIRST, the questions that they ( the agencies, to be specific ) ask to verify my identity ( " your mortgage loan '', " your retail card '', etc ) HAVE NOTHING TO DO WITH ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY ARE NOT MINE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Second, when I finally manage to view my credit report, there are fraudulent items that were created BEFORE I WAS XXXX ( I believe there are still, there were last year, but I am not able to check my credit AGAIN because of the questions that I do n't know, and that 's why I 'm here, again, because no one is doing anything ). And last time I was here, you all had a glitch with your site where I could not check the status of my complaint. I hope that is fixed now. Can I catch a break PLEASE. Thank you.
XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE
I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.
I was billed XXXX for a XXXX I had back in XXXX. This debt was eventually included in a bankruptcy filed in XXXX. This debt was included in my bankruptcy, and Jason Craig & Associates was notified. They continued to try and collect this debt despite this fact. Today is XXXX XXXX XXXX, and this collection agency has sent a letter to me at my new address threatening to submit this old debt to the credit bureaus. Writing them has clearly done no good. Please make them cease and desist.
I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult XXXX yrs old, living on another city. The Progressive Manager XXXX XXXX was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and damaged my perfect credit and reputation thus damaging my reputation, morale and financial credibility.
XXXX XXXX XXXX set up a pyramid scam on XXXX in the group called " XXXX $ XXXX $ XXXX {$20.00} auto reshare {$140.00} payout ''. When I figured out what it was, I asked for my money back and she will not send it back.