WillisBack/dataset-financial-user-claim huggingface dataset:
hello, my business, personal and credit card account was closed by citi bank, they gave me a 30 days notice to close all my accounts on XX/XX/XXXX. the only explanation on the notice of cancellation of accounts was '' due to recent activity in your account we have decided to close your account '' i have called the ph no listed on the letter of closure of my account for any specifics or detailed explanation, person who answers, says that i should contact my branch manager to further investigate why the bank closed my accounts. my bank manager tried numerous times by calling their internal financial unit and wrote emails to get any explaination of the reasons of closing my accounts. but no answers so far. now my XXXX card and XXXX XXXX have also sent the similar notification of cancelling my accounts, i dont know why is all this happening and would like any help i can get to get some answers from citi bank to why they have taken such drastic action. i had been banking with them for over 9 years. 

pls let me know how you can help.
I have made several attempts to have non-account holding inquiries removed from my credit profile and provided proof of several violations from various companies that have placed these inquiries on my credit profile. After several months, of disputing with TRANSUNION LLC, I spoke with a representative named XXXX, and he informed me that they are not going to remove anything from my profile, even though I provided proof of the violations.
XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to CBNA/Best Buy XX/XX/XXXX, XXXX credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
I received a credit monitoring alert that XXXX XXXX XXXX also listed as LAW OFFICES OF XXXX XXXX company added a collection account to my credit file on XXXX/XXXX/XXXX. I have never done business with this company nor have I ever signed any contracts, I have absolutely no knowledge of this debt, I never received a letter in the mail, and I have never done business with XXXX XXXX I which is listed on my credit file as the original creditor. I also never signed a contract with XXXX XXXX I. My information has been compromised several times in the past and has caused me a great deal of financial stress.
Please remove these Credit Inquires from my report immediately. 


1. XXXX XXXX XX/XX/2017 .. 2XXXX XXXX XXXXXX/XX/2017 3, XXXX XXXX XXXX XXXX  XX/XX/2017 ..
4 XXXX XX/XX/2017 3., 5. XXXX XXXX XXXX XX/XX/2017
I filed for bankruptcy on XXXX/XXXX/2016. Netcredit was included. The bankruptcy was discharged on XXXX/XXXX/2016. I have received multiple calls from them and XXXX emails this week. I called and was told they do not have my bankruptcy info. ( They have not contacted me since the original notification in XXXX ). I gave them the info and was told they would " look into it '' but that collection activity will continue. I was told by XXXX of the callers that they were not under any obligation to " honor '' the request from the court and that I needed to pay this debt.
XX/XX/2015 I was made aware that my data was breached by Experian.
This account was paid in full in 2015 and is still being reported as an open account and I want it removed off my report immediately
Transunion is incorrectly reporting me 120 days late on the XXXX partial account number XXXX. This account shows a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month.
Portfolio Recovery Associates , LLC Has placed inaccurate information on my credit report. Company has been asked via written communication to verify account. Company sends fraudulent documentation to support claim. I WANT THIS NEGATIVE ACCOUNT DELETED NOW!!
Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed.
I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.
i lost my job while pregnant and i was experiencing financial difficulties as a result of unforeseen circumstances. bank of american never let me defer student loan payment s or place me in forbearance. the loan then went to a collection agency as a result. this defaulted loan is ruining my credit and i would like to resolve this.
All loans through XXXX college are bad loans and have requested to have the amounts and loans removed from my debit.
This data breach at Equifax is a display of absolute negligence. But hey, things happen. However, if I want my credit frozen, I have to now pay the three agencies to do that? That seems absurd. Freezing your credit should be free.
A second student deferment was put on my student loan by XXXX XXXX, now Navient. This happened on XXXX XXXX, XXXX XXXX, and XXXX XXXX. I graduated in the middle of XXXX XXXX. 
I want the capitalized interest reversed by this second student deferment. I am submitting my enrollment verification and my transcripts showing that I was enrolled at the same college and in the same program from XXXX and XXXX. There is an error in the enrollment information XXXX XXXX obtained from XXXX College. I finally obtained my degree in XXXX of XXXX. 
The first student deferment was stopped in XXXX of XXXX. That should have been sufficient enough evidence to keep you from instituting the second student deferment while I was enrolled at XXXX College in the same XXXX program. 
If the evidence I submitted is not sufficient, you need to let me know reasons why. I am also requesting a copy of the enrollment information you say that XXXX College provided you in order for you to place a second student deferment on my student loan. 
If the evidence I provided is not sufficient and you need more official documents, you need to let me know. You will also need to let me know who I need to send the documents to ... ... ..a name and the address at Navient of a person that will review these documents. I will send this certified mail if need be. Thank you.
In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.
Discover Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my credit karma I called discover and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.
XXXX Account Number XXXX I have disputed this alleged " debt '' of {$810.00} ( which I absolutely do not owe ), in writing, and in response to repeated phone calls, since XXXX 2017. XXXX does not acknowledge I dispute the debt and just keep calling. I have told them I do not owe it and will not pay it. I have contact XXXX XXXX XXXX ( creditor ) several times, as well as my insurance company ( XXXX XXXX XXXX XXXX XXXX ), at least 10 times, telling them the " debt '' is a result of THEIR mistake in processing the claim, and that I will not pay it. It 's bad faith, and it 's harassment.
I was a part of a rehabilitation program after my loan went into default. Following the rehabilitation program my loan was turned over unbeknownst to Navient. Letters and phone calls from Navient were coming in and I had no idea who they were. Finally I opened the unknown mail and saw that Navient became my loan servicer. I called, we had a pleasant conversation about moving forward and I was hopeful. We decided that I would be on a temporary forbearance until school starts and then my loans would be on hold while I am in school. 

A few days later I am at work and my phone once again is ringing relentlessly and the calls are coming from Navient. My thought was well what in the world, we just spoke a few days ago nothing could have changed between then and now. I decided to wait it out before returning the call to make sure their departments were all on the same page. I call and the customer service agent speaks to me as if we they have never spoken to me. As if we did n't come up with a plan two weeks prior. Moreover I am getting e-mails with bills above and beyond what my payments would have been if I were not in school. Payments above what even Navient said I would pay per month once I am out of school and on the same income as I am now. 

Is there a way to change my servicer?
I have contacted Portfolio Recovery Associates LLC on numerous occasions over the course of several years demanding they send me valid proof of the debt that it is mine, specifically by providing an application that bears my signature. They refuse to send anything except letters stating they will not provide anything to me. I then disputed with all credit bureaus. They did not provide any paperwork verifying the debt was mine but rather wrote a letter claiming the debt was valid. They are now refusing to communicate with me as they state I have not provided them with new information so they are under no obligation. It is obvious they do n't have any proof otherwise they would have sent it already.
Enclosed is all the information in reference to my private student loan. I have contacted them multiple times in reference to defeerment or lowering my payments. As per the student loan company they can not do that. I have explained that I have financial hardship and I can not pay what I am paying and can not further my future as I cant even get a place on my own and still struggle to pay.
I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.
Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.
I am experiencing a hardship after being a victim of fraud in XX/XX/XXXX. In efforts to protect myself I made a police report in XX/XX/XXXX as soon as I found out about the fraud. I also contacted my creditors about the fraud committed against me and would no longer be able to pay my debts. I wrote them Hardship letters explaining my situation and asked please not to contact me. I am currently living off my Social Security benefits and it is the only source of income I have. Currently the phone calls have not stopped. I received anywhere from 15-20 calls a day and also they leave voicemails. I have explained to them over the phone I do not have money left over after my expenses are paid off. I am reaching out to you concerning the debt collectors practices. I am currently working with a financial counselor assisting me in getting my finances in order, however it is taking me some time to get back on my feet.
Debt for home repair on revolving line was recently transferred to XXXX XXXX. We pay monthly payments on the first of every month. When transfered XXXX XXXX ( the new servicer ) was recognizing payments paid on first of month for the previous month and counting the next payment late. We have documented to them in multiple conversations this payment schedule. We 've spoken with them multiple times over the past couple months. The Servicer is XXXX XXXX XXXX XXXX .
For the past 6 years or so I have repeatedly been contacted by a credit collection company claiming very vaguely that I have not responded to paperwork sent to me for a debt they claim I owe. 2 years ago they actually contacted my elderly parents at their home and indicated that they were looking to serve me. I have not ever lived at this particular address of my parents, nor have I ever lived in that State ( New Hampshire ). 

When ever I call and speak with them they claim I owe for a debt that was paid directly to the creditor at least 10 years ago, the account no longer appears on my credit report and I have since moved and can not find my paperwork for the account. They claim I owe the debt unless I can prove otherwise and they insist that they are going to serve me. 

It happens like clock work about this time each year and then I threaten to have my attorney call them and I ask them to stop contacting me and they stop for about a year. I have to date NEVER received any paperwork from them and they refuse to speak to my attorney. 

Today the company that called was XXXX XXXX XXXX at XXXX.
The credit reporting company called Experian has historically been very troublesome often denying me my free annual credit report long after the one year eligibility time has elapsed. After completing all required information either via phone or more currently online, they 'll immediately deny me my report and ask I mail photocopied drivers license, utility bills and other like items to verify my identity to get my report. Thereafter they always mail back a response saying that I 'm ineligible because they just sent me one. When they did not! It appears that once the initial annual request is made, and if denied, they view this as a report was generated and sent. Then they adamantly deny any further disputes when told that the requested report was not sent! This has happened many times and I have gone several years without seeing my report. It just happened again on XXXX/XXXX/XXXX when after completing the on-line form, I was again denied. Even though my last report was dated XXXX/XXXX/XXXX. However they always point out that I can easily buy the report by remitting their asking price. I am very angry with Experian. They offer no personal phone in help. Only endless pre-recorded messages designed to frustrate a caller. I have no problem with the other XXXX credit reporting agencies who are helpful and easy to deal with. I want my annual credit report from Experian each year without all the trouble they cause.
I applied for Citi Bank AAdvantage Platinum Select World Elite card in XX/XX/2018. When I applied the AD said as follows : They claim in AD if following conditions are satisfied then I get XXXX bonus miles after spending {$2000.00} in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening. Unfortunately I spent more than {$11000.00} because of there luring AD and see any other conditions posted under their disclosure and was never told on the phone. So I thought it is good deal in my Senior years and I can use this mileage for my vacation but later I saw it was never awarded to me and I was shocked. 
I called them about their misleading practice and not being transparent but all they made vague argument via letter as follows : Special offers are not allowed if account is approved or closed in 24 months. But honestly I did not see in their AD Disclosures. The copy of which is pasted below. If it is hidden somewhere to me that is fraud and deliberate lack of transparency.. I would like you please resolve this issue that is fair to me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITI ADVERTISER DISCLOSURE Partner Offer Citi / AAdvantage Platinum Select World Elite Mastercard Good to Excellent Credit  Recommended ( XXXX )? 


at Citi 's Secure Site Intro Bonus XXXX miles Earn up to XXXX American Airlines AAdvantage bonus miles : XXXX AAdvantage miles after making {$2000.00} in purchases in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening* Reward Rates 2X 2 AAdvantage miles on eligible American Airlines purchases* 2X 2 AAdvantage miles for every {$1.00} spent at gas stations* 2X
I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before. 

I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem. 

The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading. 

Please let me know if any additional documents are needed in support of my compliant.
Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]
There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information
XXXX collector calls on Sunday XX/XX/2015 and threatens me about a XXXX account. I asked who he was and he said third part representing XXXX XXXX never identified himself. Just went into a statement that they would put this on my credit report. XXXX phone call on Tuesday XXXX XX/XX/2015 XXXX name as XXXX with XXXX out of Washington. said account was just received in there office on Friday. I never received any mail stating they represent XXXX today is XX/XX/2015 and still no letter.
Sequim Asset Solutions just started reporting a {$920.00} collection on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. I have since called this collection agency and requested a verification of debt, but they refuse to supply it.