WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX I paid Citibank {$1100.00} on bill pay on accident. I used to have an active account with Citibank but the account has since been closed. I clicked the wrong payee on my XXXX XXXX bill pay and mistakenly send Citibank the payment. 

XXXX/XXXX/XXXX I realized I paid Citibank instead of XXXX XXXXXXXX XXXX. I called Citibank to ask for a refund. I called three times and each customer service agent said they would call me back to verify my identity. I got one call back from XXXX XXXX XXXX XXXX but it only rang twice and I didnt get to the phone in time. ( called and spoke for 16 minutes, 5 minutes, and 11 minutes ). 

XXXX/XXXX/XXXX I called Citibank to follow up and asked to spoke to a supervisor. They told me they have no way to verify me and I have no avenue to verify myself, as I dont have the phone number I had when my account was active. They only verify identity through a third party phone number resource. I offered to send a utility bill, drivers license, or social security card and the agent said that they will not use that to verify identity. Because I cant verify my identity, they will not refund my money. ( called and spoke for 7 minutes, 59 minutes ). 

XXXX/XXXX/XXXX I called XXXX XXXX and had them call Citibank with me on the line. Citibank said I cant verify my account without a phone number that checks out with them. They dont have enough information to verify my account and it will remain locked. Citibank gave XXXX XXXX agent the fax number XXXX XXXX XXXX XXXX to fax proof of payment, she said 5-7 business days to receive refund. Supervisor is XXXX : XXXX is her identification number. XXXX XXXX guy XXXX ID : XXXX. ( called and spoke for 75 minutes ). 
This did not result in my getting a refund. I continue to receive bill statements from Citibank showing a negative balance of {$1100.00}. 

XXXX/XXXX/XXXX I called XXXX XXXX to follow up. They offered to try to call the customer service again. I opted to call the number for Citibank corporate ( XXXX ) instead. I was re-routed to a call center outside XXXX, so I hung up. ( called and spoke for 1 minute )
Debt collector falsely represent that they are attorneys and continues to harass and take illegal actions to force payment of an alleged debt. 
Debt collector is a replacement of a previous debt collector who withdrew from an illegal court action, after being demanded to validate the alleged debt in which they could not. 
Present debt collector has not validated or verified the debt. I have repeatedly demanded validation and verification to no avail.. 
Debt collector has been demanded to cease and desist but continues to use private information, nonjudicial action to dispossess consumer of personal property, communicate harassing letters threatening to evict and take property, and mail communication with envelopes printed with law firms return address. 
Debt collectors has been demanded and noticed of a lawsuit to compensate consumer for violation of FDCPA, till today I have not receive a response or any communication in regards to matter.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX ) XXXX XXXX XXXX Account Number XXXX. ( XXXX XXXX ) XXXX XXXX XXXX  Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX
On XX/XX/18 I contacted Capital One to discuss repayment options due to my account being past due. The Capital One website explained that while my account was past due, I still had payment options. I initiated a chat with an account specialist to discuss the terms for repayment. I was advised that if I made a payment of {$200.00} on XX/XX/18 it would bring the account current & in good standing & I would have access to the account. Today I checked my XXXX XXXX account and saw that the Capital One account showed closed. I called Capital One & spoke with a Credit Specialist ( XXXX ) that advised the arrangements were made in error and the representative that made the arrangements would be coached and that my account had already been closed as of XX/XX/18. I explained that this was unfair & misleading. The credit specialist ( XXXX ) clearly became frustrated during our interaction and essentially released the call. I would like to have my chat interaction, website alert message that states that even as todays date that I still have payment options, and call interaction from today to be reviewed. At this point I want to make sure that if I pay {$200.00} that my account would be in good standing and accessible or an explanation if I have any rights. This is extremely unfair & demonstrates deceptive practices by Capitol One.
Selene Finance LP is the current loan servicer for my HELOC loan converted to a interest and principal loan in XX/XX/XXXX. In XXXX I received a notification that the ownership of this loan had been transferred from XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX with Selene Finance as the servicer. I never received any correspondence, i.e. welcome letter, account statement, etc. from Selene. After numerous phone conversations with Selene 's representatives I was finally able to obtain the amount of my XXXX interest and principal payment and it was drafted over the phone by XXXX for {$1500.00} ( confirmation number XXXX ). This was deducted from my checking account on XX/XX/XXXX. I have since received two collection calls regarding my " past due account '' because this payment is " in suspense '' and has never been applied to my account. I called XX/XX/XXXX to obtain the amount of my XXXX payment and was told by XXXX it would be {$2100.00} due to the 59 days accrued interest for the " missed '' XXXX payment. I explained I had been told the funds were " in suspense '' three weeks ago and it was to have been rectified. He said he would have a supervisor correct it and call me with the correct payment amount. After not receiving a call back, today I spoke with XXXX who said the amount still had not been applied to my loan and I should pay the 59 days in accrued interest and the XXXX payment ( {$2100.00} ) and it would be " sorted out '' by my next payment. I refused, he then checked with a Manager and said to pay just the 59 days in incorrectly accrued interest instead. Again I refused, if I paid that amount I would still owe the principal and interest for XXXX. He couldn't grasp the concept but I paid {$1500.00} over his protests ( confirmation number XXXX ). I asked again to have a supervisor contact me ( they are unavailable ) and he said he would make a note. He informed me they were waiving the phone payment charge of {$12.00} and I asked how was I supposed to pay since they didn't have a dollar amount for me to send a check and I can't access my account online. He had nothing to say. I am very displeased with the way my account is being handled and the failure to have a manager or supervisor contact me per my request.
Beginning XXXX XXXX I was paying back a hospital bill from XXXX XXXX XXXX XXXX through their agency, XXXX XXXX OF XXXX XXXX, XXXX. 
Almost immediately after this began, I started getting notices from a different debt collector, WEST ASSET MANAGEMENT, claiming that I owed them the amount I was paying back. 
Despite forwarding them the documents to prove they had no right to attempt to collect this debt, WEST ASSET MANAGEMENT continued to send notices and demand payment. 
As of XXXX XXXX, WEST ASSET MANAGEMENT has changed their name to GLOBAL RECEIVABLES SOLUTIONS, INC. and their calls and letters have begun to arrive again, demanding that the debt I owe XXXX XXXX should be paid through them, and not XXXX XXXX, despite my account with XXXX XXXX being open since XXXX, up to date, and active. 
This has been an ongoing issue with this company since XXXX, I do not owe GLOBAL RECEIVABLES/WEST ASSET any money, I can prove I do not owe them any money, I actually have done so in the past numerous times, yet they continue to deny this fact and continue to harrass me into paying them the money I am paying a completely different company.
Issue : Unfair Debt Collecting and Reporting practices by Fed Loan Servicing is prejudicing my ability to buy a house XXXX LA flood. Specifically- there is a difference between the information I can access about my four ( 4 ) student loans on the Fed Loan Servicing website- which shows a bill- pay this amount by this day and no days delinquent- and Fed Loan Servicing 's reporting to the credit reporting agencies- continuing to show it as past due and delinquent. I paid the amount demanded to bring account current- via the website- and am making monthly payments and they are not being reflected my credit report or score. 

Chronology : loans were in default, XX/XX/2016- fed loan said going to transfer to collection agency. Present- still not transferred and no timeline to transfer. 

XX/XX/2016, I paid amount to bring all accounts current via the website. I have paid the requested amount of the pay this amount by this date listed every month. 

Present : the website for fed loan reflect 0 days delinquent. However, Fed loan is reporting it more than 180 days delinquent to the credit companies. 

The website does not provide account numbers, or my name asssociated with the payments- it only shows there are four loans and the amounts of each. I asked Fed Loan for a verification letter and was repeatedly told that : 1. the loans were in litigation status, 2. I had to wait for the loans to be transferred elsewhere to address it, 3. the Department of Educations does not have these loans, I have paid all of the loans with the Department of Education XXXX 

Further, they report that I still have to pay the loan because it is due, which I am paying, but will not report that I am paying the installments because they categorized it as deliquent ... even though I paid the inflated amount to bring the account current and they have accepted all payments. 

The problem with Fed loan 's response is that they will not let me speak to the credit department, the reporting department, or anyone who can make any decisions. There is a complete difference between what the website reflects on my accounts and what they are reporting to XXXX and there is no way for me to remedy or address. I filed disputes with the credit companies, submitted proof to Fed loan servicing and am told- even if i paid every month forever on the website- it would be reported as delinquent to the credit agencies as past due 180 days every month forever until this is paid in full. 

The call center supervisor said they are allowed to do this by and FSA law- when asked what law, she did not have one to cite. I asked for the legal department, she would not let me speak to anyone there, i asked for a manager or supervisor, she would not let me speak to anyone else. I asked for the credit department and she advised they wo n't speak to me either.
Called Sallie Mae XX/XX/2016 : XXXX asked for help with deferment payments the woman on the phone said " The credit collectors would get ahold of us '' and there is nothing we can do for you at this time. XXXX Asked " is there anyone you can transfer me to that can help me with more information? " .... " not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they do not have a rates and reduction program, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to help me. I asked to be transferred back to customer service and was connected with XXXX ( Florida ). Wrong department. XXXX ( servicing general ) XXXX informed me that I was transferred to the wrong department. I informed him that both collections and customer service had told me that they were unable to help me out. He then called over to customer service for me to see if there was anything to be done. Transfered once again, to XXXX in Escalations. She informed me that my account must be in delinquency in order to apply to rates and reduction program. 

In a subsequent call we were told that we were put on a rates and payments program, where our rates would be reduced as would our payments which would be capped at XXXX, but the payback period would be 30 years. 

XX/XX/2016 : Sallie Mae call I called Sallie Mae to talk about why my account read ( approx. ) negative XXXX dollars. I was put on with someone who told me that our Sallie Mae loan account was signed up for a {$120.00} auto draft from our checking account, and that this would be for three months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that after XX/XX/XXXX our account would be updated to reflect the fact that we were on the new program. 

to date our loans are still not adjusted as " Rate and Reductions '' rates that were were supposed to be paying, but instead we are supposed to still be paying the nearly {$500.00} a month for all our loans instead of {$120.00}. We can not stop getting the run around and we are struggling financially mostly due to the issues and over payment to XXXX/ Salei Mae '.
I went to Macy 's to make a purchase. They offered me 10 % if I apply for a credit card. So I did and I charged XXXX purchases totaling just over {$100.00}. I waited about two months and I still had not received a bill, so I went to Macy 's to put the charge on a debit card. By then they had added about {$35.00} worth of fees. I paid it all but I was so angry that I called and cancelled the card. I 'll be darned, if they did n't send me another bill for two months. How can they start charging interest before they even start sending bills? This is predatory. I essentially paid 40 % for a 10 % discount. This should not be legal.
On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment.
I started paying my mortgage payment in XX/XX/XXXX and never had a issue, Im making close to {$10000.00} a month. Someone had my debit card with PIN number than used it but I had my card on my possession the whole time, this happened in XX/XX/XXXX and the bank froze my account XX/XX/XXXX and XX/XX/XXXXwhen the mortgage company tried taking money from my account it was declined because my bank froze my account till further investigation they said. I wrote to freedom mortgage to get the2 missed payments in XX/XX/XXXXand XX/XX/XXXX out of my credit bureaus and they refused, I sent them all the proper documents needed. This was my last way of resolving my negative items.
Experian stated from previous dispute X/X/2018 that majority of the accounts that I stated are not mine, provided proof they were not mine, Experian is saying they were verified. There is no way that the accounts could be verified as mine because I was the victim of identity theft. Experian deleted four accounts on that ground but want to validate the others. Experian is in complete violation of protecting my private information that I did n't give them permission to share in the first place. Also, because Experian falsely reporting on my credit, failed to follow reasonable procedures, and failed to conduct reasonable reinvestigation with respect to the inaccurate credit information. I contacted the Court about the false bankruptcies and they stated that Experian did not contact them concerning the Bankruptcies falsely reporting on my credit report. So, Experian must have verified false information with a third party which is also a violation for misrepresenting to me that you contacted the actual creditor when you did not.
I had lost my job and was unable to pay XXXX - I did contact them but they turned me over to Biehl and Biehl Collection Agency - other agencies I have dealt with were under- standing and said they would make note of my account.

The first time I called Biehl and Biehl they were nasty as told me why did I order XXXX if I didn't intend to pay - I have dealt with XXXX over 60 years and this is the first time I had a problem - I called them as I said and they were nasty but told them I could not pay what I did have and hopefully one day get a job which at XXXX  is not easy and pay it eventually - XXXX  would not accept small payments and wanted half one month and half the next month which I couldn't do.

I got another letter from them informing me I ignored their request for payment and want it immediately - I tried calling again but you get put on hold forever so I sent them a letter.

Even going on the web their reputation is not the best and there are other complaints about them being nasty - as I said other Collectors are nice and say they will make note of it on my account.
It appears my ex husband whom I got divorced from XX/XX/XXXX has been taking out credit in my name. I have been living back in XXXX since XX/XX/XXXX so I have not taken out a mortgage, store card or bank card in the U.S.A. in that time and yet Equifax wants information on all these types of loans to verify my identity for a free yearly credit report. 

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

Your credit file indicates you may have a mortgage loan. Who is the credit provider for this account? 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$670.00} - {$770.00} {$770.00} - {$870.00} {$870.00} - {$970.00} {$970.00} - $ XXXXNONE OF THE ABOVEYour credit file indicates you may have a retail card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX, XXXX, INCNONE OF THE ABOVEYour credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX XXXX XXXXNONE OF THE ABOVE
I closed an account with Chase, 3 months later i check my report to see that I am XXXX late on the closed account. I went into branch office the following day and was told that there was a charge that went through after the account was closed and That I was resposinble for knowing that even though the account says it has {$0.00} balance to the branch manager. I have since paid off the account but Chase refuses to revert the negative impact on my credit that was due to their transaction systems.
I keep on getting calls from this Aldous & Associates collection agency. They are claiming that I owe a debt for a gym membership, the thing is I have already delt and payed off this debt with my gym physically in person. I still keep receiving calls from them.
On XX/XX/2017, Bluebird American Express wrote me the attached letter stating that I was in violation of Section 22D with no explanation of what that was or gave me an opportunity to dispute. Today, I was told by a representative that it was regarding the disputes I filed or the fact I filed too many. I feel this an unethical company that discourages disputes from the customer. If I wanted to file a dispute over a charge, then it should be my right to find out where my money is going. There was one situation of two where I disputed a charge because the way the charge was named by the vendor was an unknown name which led me to believe that these charges were to be investigated. However, for these charges I emailed Bluebird when I realized and said I remember. Even yet, to suspend or close my account on this basis is nothing less than unethical. I was given no explanation nor was given an opportunity to dispute, which led to the situation I encountered today. I purchased another card, thinking the previous account was closed, and when I attempted to register this card, it wouldn't allow me to register with a {$500.00} balance on it, which I needed to take care of a very serious situation. I called Bluebird customer service and was given the run around, and the wrong information, I was told that I could withdraw from the ATM, which was wrong, and I drove to ATM, only to find out I could not do that without registering the card. I called Bluebird back and they were even more helpful, I talked to someone named XXXX in Account Protection Services and he was unable and unapologetically unable to resolve my situation. This representative also insisted that there were no headquarters or no entity I could file complaint with. I informed him that I was going to record him, he didn't agree and so I really did not record the conversation but he didn't want it recorded because he wasn't being truthful I suspect. Every company have someone they report to or higher than them. I wouldn't have had this problem with my current card if Bluebird had not unethically and unjustly suspended my previous card for no reason or without an explanation without my input or opportunity to dispute. That is evil and disgusting.
I seen this company on my credit report CredMgmtCntl and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
I submitted several income driven applications to great lakes borrowing services which supposedly took " several months '' to process. Within this time period I was informed that there where no payments due as I was still in deferment. After submitting the first application on XX/XX/XXXX I patiently waited for the application to be processed, which thru many phone calls I finally determined months later after receiving not a single item of mail, that they had " no record '' of me even filing a application! So of course I then filled out and mailed yet another application from their website on XX/XX/XXXX. I followed up with many phone calls to find out a status, the whole time again being told my app was " under review ''. Now finally about 5 months into this process I am told that my loans are now in a delinquent status and my account would closed and sold to collections if I did not pay the full amount immediately, which by the way had mysteriously gained interest while in deferment!! I made many attempts to set up some sort of payment arrangement with them to no avail. 

Next my account was sold back to the us dept of education, who from what I can tell immediately sold it to a collection agency, and now I'm just finding out that they are taking my full federal tax refund through something called a treasury offset!! This all seems rather illegal, uncalled for, backdoor, and downright authoritarian if you ask me but what do I know? My wife and I have a child on the way and we where really counting on our refund this year please let me know if there is anything you can do to help. 

Thank You, XXXX