WillisBack/dataset-financial-user-claim huggingface dataset:
I've been paying on my loan forever. It keeps going back up to {$13000.00}. I have a family of XXXX and filed bankrupcy. Called the company and they gave me excuse after excuse. I also asked them about the forgiveness program nd they said I have to pay I dont qualify for anything.. I explained that the school I was going too closed down due to fraud. I shouldn't have to pay back. As I already paid the {$3500.00} I borrowed. 
We need justice and so many people are being robbed by this company. 

My account should be closed..reasons again.. 
Filed Bankrupcy Discharged Fed2018 Fraudulent School closed down I support a family of XXXX My account just was increased by {$5000.00} back to square one. 

They have everything on file as I tried getting this ressolved. 

Please help Desperate mother with faith
Citibank has wrongfully refused to credit my account with {$120.00} in Dividend Dollars. Balances of {$8100.00} on my XX/XX/XXXX statement and {$3900.00} on my XX/XX/XXXX statement, which were both paid in full in a timely manner, were not credited with a total of {$120.00} in Dividend Dollars. By letter dated XX/XX/XXXX Citibank stated that the " Dividend Dollars earned on your statement Dated XX/XX/XXXX caused your total Dividend Dollars for XX/XX/XXXX to surpass the {$300.00} maximum. '' What {$300.00} maximum? 1. Although I always understood that only {$300.00} in Dividend Dollars could be redeemed in any year, in previous years in response to my explicit question Citibank representatives informed me that Dividend Dollars would continue to accrue to my account and could be redeemed in future years. 2. In all previous years that I have redeemed Dividend Dollars, Dividend Dollars have indeed continued to accrue to my account beyond this supposed {$300.00} limit. 3. The statement from Citibank accompanying my redemption check, dated XX/XX/XXXX, stated " remember to use your Citibank Dividend Card everywhere-the more you use it, the more cash you earn! ", but Citibank 's refusal to credit me the {$120.00} in Dividend Dollars makes this assurance completely false. Indeed, this supposed policy of not allowing Dividend Dollars to accrue after a {$300.00} redemption would be counter-intuitive even from Citibank 's perspective, as it discourages their customers from using their card! 4. At or about this same time, although I did not request it, Citibank increased the credit limit on this card to {$20000.00}, stating " with an increased revolving credit limit, you can use your card for more purchases and continue to enjoy 1 % cash back on all purchases. '' Again encouraging me to use the card and assuring me that Dividend Dollars would be credited to my account, an assurance that Citibank now refuses to honor. 5. In an effort to resolve this situation, I called Citibank on XX/XX/XXXX and discussed the facts with a Senior Customer Service Representative called XXXX. XXXX could not tell me why I had not been credited with the Dividend Dollars, but referred the matter to their rewards audit department, resulting in the letter referred to above. If this supposed {$300.00} limit were really the policy, how is it that a Senior Customer Service Representative did n't know about it, and if she did n't know about it, how should I, the customer, know about it? If there is such a policy, and I had known about it, I certainly would have used a different credit card to make purchases after redeeming the {$300.00}. For all these reasons, I again request that Citibank credit my account with {$120.00} in Dividend Dollars.
Upon viewing my credit file with XXXX, XXXX, XXXX  I became aware of Security Credit Service reporting an amount : {$1200.00} owed. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. This creditor should remove this account from my file ASAP.
My mortgage company Ocwen loan services keeps repeatedly calling our home after XXXX. They have called three times after XXXX. When we have asked them to call during normal calling hours they claim that they are. Tonight I received a call at XXXX and last night they called at XXXX. This is harassment and I would like for it to stop immediately.
I am totally and permanently XXXX due to an auto accident, hit and run. I receive XXXX XXXX XXXX. American Education Services ( servicer of my school loan ) And XXXX XXXX XXXX XXXX XXXX ( holder ) refuse to do ANYTHING to discharge, forgive or even lower MY debt. They actually increased the interest rate. XXXX, a different servicer forgave my private loan in XX/XX/XXXX. The US Dept of Education forgave all of my federal loans in XX/XX/XXXX and XX/XX/XXXX. 
I have attached documents : Physicians Certification Social Security Award Letter US Dept Ed cancellation of Debt XXXX Notification Waived Loan XXXX XXXX Acknowledgement
I was contacted by my neighbors whom live at XXXX XXXX XXXX that someone by the name of XXXX XXXX from Amerifirst contacted his wife on her personal cell phone trying to reach me XXXX XXXX regarding a personal business matter. Please keep in mind I do n't know my neighbors and never met them. Contacting complete strangers discussing my personal business is a violation of my privacy and just plain unprofessional. 

Amerifirst has done this to several other individuals and continue to disturb and harass individuals whom have nothing to do with my business with them. They have continued to violate privacy and collection laws.
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXXXXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus
There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX XXXX - Past the statute - Remove XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX/XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE
XX/XX/2018 I have spoken with XXXX to inform, I receive XXXX/XXXX benefits. I am also a veteran. XXXX informed me she would take of the account. I have not heard from XXXX to confirm account is taken care of.
My identity was stolen in XXXX XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. XXXX is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to JH Portfolio Debt Equities. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from XXXX. This letter was sent in XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I receive a letter from JH Portfolio Debt Equities stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a XXXX statement dated XXXX/XXXX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
Went through loan modification with wells fargo for over a year they approved and for no reason forclosed?
I have contacted Transunion multiple times to file a dispute for multiple fraudulent inquiries on my credit report. I spoke to a supervisor in the special handling department who advised me to file a report because the inquiries keep coming back as verified. I did not authorize these inquiries nor do I have any knowledge of them. I filed a dispute with Transunion on XXXX for the following inquiries : XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, SXXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. All of these inquiries are considered fraudulent. I have filed a report with the federal trade commission to report myself as a victim of identity theft, I will attach that report as well. These amount of inquiries are holding me back from moving forward with my credit. I have already attempted contacting all of the creditors. XXXX XXXX took down my information and gave me several reference numbers and XXXX just informed me to contact Transunion. They all say theres nothing they can do, they state Transunion is the one who can make the deletion. Please remove these fraudulent inquiries off of my credit report.
After I have rejected offers from Mr. Cooper ( Nationstar ) to refinance my mortgage, multiple times, they have now resorted to retaliatory tactics. They refused to process my XXXX payment on XX/XX/18 ( I have evidence that I scheduled the payment and they acknowledged it ). I received an alarming text message on XX/XX/18 indicating that my payment was now late and offered options to pay it. I have NEVER MISSED OR MADE A LATE PAYMENT ON THIS ACCOUNT AS MY CREDIT HISTORY INDICATES! I immediately called Mr. Cooper and spoke with a representative who first said the payment was reversed because the bank account rejected the ACH. I confirmed for her that the bank had not rejected the payment because the funds for more than sufficient to cover the payment. She then said that the note on the account said that the bank account was not valid. I have evidence that this is the same bank account that Mr. Cooper has debited several prior payments fromwithout issue. 
I became irate and told her that this had better not impact my credit because I have done exactly what I was supposed to do and had made my payment on time using the same method as I had done for recent payments. The representative said that it would impact my credit because my payment was now late. She then asked me if there was a homeowners association and if my dues were current because the HOA could foreclose on my home. WHY IS SHE EVEN TALKING TO ME ABOUT FORECLOSURE?! And whos ever heard of an HOA foreclosing on a home?! 
At that point I knew exactly what they were attempting to do. I took actions to thwart their obvious attempt to put me in a position that would allow them to accelerate foreclosure on my home or bully me into refinancing my home with a NLMS who has a reputation and documented history of these types of activities. I posted not only my XXXX payment ( for a 3rd time, from a different bank account-XXXX  ) on XX/XX/18, I also on Monday, XX/XX/18, posted my XXXX payment from my XXXX bank account. That same day, I made an inquiry with XXXX XXXX XXXX XXXX. I asked if the mortgage payment had been declined. The bank representative gave me an activity printout and it did not show that the draft had ever been presented for payment as it had in previous months. I have the printout. 
On yesterday, XX/XX/18, I checked my credit report and Nationstar has indeed flagged my account as delinquent, 30 days past due.
I was contacted by a  XXXX   XXXX   XXXX  at JJ legal processing via phone and left me a voicemail, stating if I do not contact them him immediately that this will be my final opportunity to resolve my issue, he proceeded to say that I have  XXXX  counts of financial fraud that is equivalent to check fraud, never in my life have I been accused of this, then he proceeded to call my place of employment and told them that he was an  officer of  some sort and I need to contact them immediately, left a number of  XXXX  and file number. I call the number ends up being a representative of the website mentioned above also goes by Texa s Acceptance, LLC an d he proceeded to say that he look up my records and shows that I have never be in trouble for the financial fraud, I proceeded to say I know  XXXX   XXXX  I have your badge number because you stated that you were an officer and he then said would you like me to call the  XXXX   county court house, I  said yes please, because I would like to know what 's going on. He proceeds, we wait on the line, no one answers, he hangs up, so Then he disclosed who is representing and that if I intend to pay, I was like due to my financial situation, I can not at the moment, then he stated something about my bank account and I stated that I closed it. Then that upset him and I told him I am going to contact a lawyer because I know my FDCPA rights and that is illegal to say he is an officer of some type at the beginning and threaten me and wrongful accuse me. I contacted a lawyer office and I was told next time they call for me to tell them I am reporting them to the FBI for impersonating an officer and against the law to keep harassing me
I have made several attempts via certified mail and notarized documentation requesting the Equifax, XXXX, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
I have certain companies that say I owe money, and I never heard of these people and I lost my wallet 4 years ago. I know someone else is useing my identity ...
It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.
I opened a new CitiGold Checking Account with Citibank in XXXX of XXXX under a promotional offer XXXX XXXX XXXX ) for XXXX XXXX XXXX miles after completing a number of steps. After completing all of the necessary steps, which included paying a certain number of bills and spending over {$1000.00} on the debit card, and receiving written confirmation that I had completed the requirements, Citi still has not deposited the miles into my account. They are currently XXXX days overdue per the written confirmation I received in XXXX of XXXX. I am submitting the complaint because I feel like I have been bait-and-switched into opening an account with Citibank. Though they keep assuring me the " issue has been escalated '', I do n't have faith that they will carry through on their side of the offer.
I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created
In XX/XX/XXXX Paypal placed a limitation on my account that is linked to a website that I opened in summer of XX/XX/XXXX. I am a XXXX XXXX living in XXXX, Colorado and I started this as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything is shipped from my house and I do everything myself. After 2 months of hustling I designed a product based on my customers feedback and it was an instant success. Starting XXXX I started making sales over {$7000.00} per day and the Paypal system flagged my account. I submitted all the documents that they asked for and that same day they came with the decision to limit my account permanently and now they are holding roughly {$52000.00} for 180 days. They just told me that my account was marked as high risk but they did not provide any further information. I kept asking and they just said that it was too risky for them to do business with me. I do everything the right way and I even provided them with all the information about the product I sell, the supplier, the invoices, etc. At this point I do not care if they hold my funds, I just want to be able to use Paypal again because my product sells around 50 % more if I have Paypal available in my account. I am willing to work this out because my company is transparent and takes the customer satisfaction very serious. I had very few complaints and felt like the limitation was completely unfair because I have been working for this over 3 months, day and night, and the USA system is known to reward those who are willing to work hard and deal with problems.
After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XXXX XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!! It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!
I received a summons but never received any prior notification on the attempt to collect the debt. Was not given the opportunity to dispute, validate or pay this debt. I only knew about the summons because I was contacted by a  3rd  party. There is also no validation of the debt in the court documents.
This complaint is not about a specific loan but about the advertising that continues to come to my home and my Veteran friends and clients. I am a XXXX XXXX and I have to continually explain to my Veteran Friends what these flyers are advertising. The particular flyer received in the mail advertises 2.75 % FIXED in bold print. Absolutely no where on the page does it tell me what kind of VA loan it is. It certainly makes me think that it is a 30 yr fixed and it nowhere mentions an arm. It also states that I can get " Cash Out for Any Reason '' and that " No Employment Necessary. '' This particular flyer came from : Stonebridge Lending Inc. NMLS # XXXX, CA Bureau of Real Estate # XXXX. I know you have greater things to deal with, but I get this kind of thing in the mail all the time. All of my friends who are Vets get this kind of mail. Is there anything that can be done to hold these companies accountable for deceptive advertising just to get someone to call?
I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.
I checked my credit report and Portfolio recovery Associates has two accounts reporting These accounts are not mine I have asked portfolio recovery associates for verification and all I have got is fake screenshots of billing statements for both accounts. I have no obtain the proper information for portfolio recovery Associates to collect. 

These accounts are also not reporting correct on my credit report, theyre reporting these accounts as open and a factoring company they are a debt collection company. 

Im asking for complete payment history the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to Portfolio recovery Associates.Letter of sale or assignment from the original creditor to your company. ( Agreement with the client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XX/XX/2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by portfolio recovery I expect all reference to this account be deleted from my credit report
On XX/XX/2018 I sent Experian certified mail to remove Dispute Comments on two ( 2 ) accounts. As of today the disputed comments are still showing on my Experian credit report. I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts listed below with immediate effect. The accounts are no longer in dispute. XXXX XXXX, account XXXX. XXXX and XXXX XXXX XXXX, account XXXX. XXXX.