WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXXXXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on  numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
Even after correcting past incorrectly applied payments in response to an earlier complaint to CFPB, Navient continues to apply payments to the wrong loan when the payment amount and loan number are clearly indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the payment as indicated on the payment slip. Telephone representatives refuse to correct the errors.
Wells Fargo closed all of their accounts with XXXX XXXX. This left all customers with a negative line of credit and a reduction of credit score ( for me ) of XXXX points. This damage has, no doubt, cost XXXX people XXXX dollars in damage.
I am getting several debt collection bills to which I know nothing about. I have stated so on credit karma and disputed to accounts and now I 'm getting more in the mail. Are companies like CSC allowed to harass me like this about something I know nothing about. Am I responsible for giving even the slightest information about me when I know nothing of the bills to which they are referring. How could I even tell if someone stole my id for the bills when they show XXXX information about the bills. Should I make up bills of my own and charge them with them like they are doing to me?
I have been trying to get fraudulent information originating from a collection agency that is trying to collect a debt from someone with a different name address and social security number removed from all of the reporting agencies. I mailed a dispute to Transunion and after XXXX days with no response I tried to use their web site to find out what is going on, unfortunately for me I am locked out of doing so due to my bad memory, several years ago I used Trans unions web site and set a password I can no longer remember with an email address I no longer use and a secret question I can not recall, They give a phone number to call but the barely audible person who answered insisted she can do nothing without the forgotten information. I have tried XXXX times to deal with the barely understandable phone support to fix this without result. I mailed my dispute XXXX days ago with absolutely no response from Transunion, I can not use their web site because there is no way for old people with bad memories to fix forgotten passwords. I have been economically harmed by the credit reporting agencies accepting information that even a child would recognize as not relating to me. A different name address phone number marital status and social security number with active accounts XXXX miles from where I live. How is it even possible for the collection agency to dump all of this completely different information into my report, I have lived at the same address for XXXX years, openly used only XXXX name, reported my income taxes using only XXXX social security number ( the one I was given XXXX years ago ). How can I suddenly live in XXXX and XXXX at the same time? Work in XXXX distant places at the same time? Buy groceries in XXXX and go out to dinner in XXXX at the very same time? That this is still not fixed shows the credit industry has no regard for the victims of their incompetence. I can not reset a forgotten password but a dishonest collection agency can give me a new name, a wife, possibly children, several new addresses, a new phone number, a new social security number and a complete credit history that takes place XXXX miles from where I live.
I am looking for a claim form on line, I believe Citi bank overcharged me, as stated below, please email clm form, thanks! 


Citibank violated the law when they tried to collect overdue payments from some consumers with cards issued by Citibanks subsidiary, XXXX XXXX XXXX XXXX ( XXXX ). During collection calls, Citibank sometimes charged an expedited payment fee of {$14.00} without telling the consumer it was charging the fee or misrepresented the purpose of the fee. Nearly 1.8 million consumers who paid an expedited payment fee since XX/XX/2009 when their XXXX credit card account was delinquent will receive all expedited payment fees paid during that time.
City bank stated that I had a credit card with them I never had a credit account with this bank. When I received my home loan the mortgage banker even furnished documents to this bank that proved that this was not my account. Citi Bank has refused removal of this from my cedit reports creating a hardship on a XXXX.
I was CLOSING my XXXX checking account in XXXX 2015. I accidentally overdrew the balance when I was trying to CLOSE the account. 
This overdraft AUTOMATICALLY triggered the opening of a {$500.00} overdraft protection loan account called a line of credit. I DID NOT NEED OR WANT this line of credit, but it was automatic, and very untimely.. I PAID the overdraft in full as well as the {$500.00} balance to close the line of credit. Instead of CLOSING the line of credit, XXXX kept it open. In XXXX, 2015, I spoke to XXXX XXXX, manager of the XXXX Bank at XXXX XXXX, XXXX, Tn, and he told me the line of credit was CLOSED. He is the BRANCH MANAGER. 
I now see the line of credit LISTED on my credit report. This is INCORRECT. IT IS A CLOSED ACCOUNT. It was a BANK ERROR on behalf of XXXX, and they asssure me that it is NOW corrected. PLEASE HELP! THANKS XXXX XXXX
Discover card decided to close my account based on wrong information provided by another credit card company to my credit, which I advised was being disputed. My history with them of 5 years was clean, never made a late payment or minimum payment and card was 100 % paid off. They are aware the closing will furthermore affect my credit in a negative way.
For the past two years, my mortgage was sold from one company to another, while I was in modification process, by the time the process goes thru, my mortgage would get sold. then I would have to start all over again with the other company. I have dealt with XXXX mortgage companies in the past three years, this last company Nationstar has been the worst, they dragged me thru this modification process, just to deny it and refuse to do anything, stating me its too late, I am desperate and very upset and do n't know what else to do.
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report
XXXX XXXX XXXX  has and is currently using abusive, harassing language almost on a daily basis. They have gone as far as to use other phone numbers, names and other telephone numbers in order to disguise who they really are. When they call they never leave a message and or when you answer there call they immediately tell you they are going to sue you. 
Other telephone numbers XXXX XXXX XXXX has used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and there are a few more. This doesn't appear to be a reputable, or honest company. 
They persistently call 5-8 times a day, and even on Saturdays and late evening Sundays at XXXX. On Saturday XX/XX/2018 at XXXX they called. They will call never leave a message. The few times I have answered they will never identify themselves and or will start telling you that their going to sue you and take you to court. The only reason that I know it is Portfolio Recovery is my caller ID on my phone will pick up their name. 
They are using illegal measures to collect on things that I have no information about. Debt that I am not aware of. Several years they did take me to court trying to say that I had never paid a credit card off when in fact I had. When it went to court the judge removed their claim citing that I had a receipt for the amount owed. They are criminals, that lie and abuse the law!
I submitted a previous request for information on my account. XXXX has failed to return my calls and did not address my concerns. She provided statements for only 1 of the accounts in collection but did not provide on the second account being collected on by : XXXX. I would have provided her this info but she never called me back. I need to see fees that were applied as well as how my deposit was applied to any past due balance.
Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and equafax refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX INFO SVCS Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report EQUIFAX Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/EQUIFAX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX  Promotional Inquiry
I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX My student loan was being serviced by XXXX soon after moving to NYC I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX  student loan this is around XX/XX/XXXX I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX
Experian has on my credit report by Experian your accounts that may be considered negative in which makes no sense by them that it would be XXXX 2022 before the account is scheduled to got to positive status there has not been a late payment on XXXX XXXX credit card in over 24 months so why would it take 5 years from now to go to positive in which is stated by Experian on my credit file. 

So how does it take 7 years for an account to go to Positive which is stated by Experian on my credit file. 

Experian XXXX : Your account that may be considered negative ( Continued ) As stated by Experian.
I believe that I am a victim of a fraudulent act. I attended   XXXX   XXXX   which is now shut down. During the time I was attending   XXXX   XXXX  , While I was meeting with the  Financial Advisor , I saw her computer screen and saw some fees that was n't quite correct. I saw that I was being charged for " gas, dorms, food etc. I asked the  financial Advisor  why It says I have Gas and Dorms, food fees if  I drive my  own car and pay for my own  gas & food and m ost importantly I am not staying in a dorm nor the school is paying for my rent. She decided to ignore the question and told me that " it 's nothing ''.
This is regarding a medical account with XXXX XXXX XXXX that was handed over to collections XX/XX/XXXX. The following collection agency has placed information on my credit reports GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I found out about it when I checked my credit. I remember I was taken to the emergency room of XXXX XXXX XXXX in California because I was hit by a car while walking on the cross walk in the rain one night when the green light for me to walk was on. The driver of the car did n't see me. I was lucky I suffered XXXX XXXX XXXX only. I 've been on XXXX ( XXXX XXXX  XXXX ) the last several years, before that incident, and I had/have coverage and gave XXXX XXXX XXXX my health insurance info which is XXXX and XXXX. I thought this matter was resolved because I remember in XX/XX/XXXX I talked with XXXX XXXX as they wanted me to pay the bill. I told them to bill my insurance. They told me they were billing me because I did n't provide them the insurance number of the guy who hit me with his car. I told them that 's ridiculous! How would I have the insurance info of some person I 've never met who hit me with his car? Also my only source of income was XXXX XXXX XXXX and the medical bill amount was close to the total amount I was receiving from The Social Security Administration in a year. The way the call ended I understood XXXX XXXX XXXX XXXX was just going to write off the amount if they were n't going to bill my insurances as I had no way to pay such a debt and XXXX is exempt from court judgments and collection attempts. I checked my credit this year XX/XX/XXXX and found that collection account on my credit report. I wrote Grant & Weber and told them I have XXXX and XXXXXXXX and XXXX XXXX XXXX should have billed those insurances but they refused. I also stated it 's unfair to stick a person who receives XXXX payments with a bill more than their yearly allotment from the Social Security Administration.  Why should I be stuck with an expensive medical bill after I was hit by a car when the insurances I have cover emergency room visits? 

I also saw my regular physician last month, XX/XX/XXXX, at XXXX XXXX and they accepted XXXX and XXXX as covering payments for my doctor checkup. 

This is unfairly damaging my credit report. There is no way I can pay this off. I was obeying the law and walking on the cross walk when the green light for pedestrians was on and I was hit by a car. My insurances cover emergency room visits. XXXX XXXX XXXX continues to bill my insurances to cover current medical expenses. XXXX XXXX XXXX refused to use my insurances to pay the medical bills and that 's their choice not mine. This collection account needs to be removed from my credit reports as it is seriously damaging my credit unfairly.
Ditech bought the servicing on my loan in XX/XX/XXXX. Since then they have refused to report my payment history to the XXXX credit bureaus. Ditech wanted a re-affirmation agreement for the mortgage. I have provided this twice by fax and once by mail. When I call to find out if they have the document and are ready to report to credit bureaus, I get hung up on, or they ca n't find the document, etc. etc.
Mr. Cooper is wrongful reporting information on my credit report and has done nothing to address this error. After multi calls, emails and complaints they continue to ignore their error and do nothing. They have even admitted to receiving the payoff on the XXXX of XXXX yet they still reported me 30 days late that month. 

Their information is incorrect and that is why I am making my complaint. I can share my credit report with whom ever would need to review it to verify my credit history and character. A large company like this should treat their customers and Veterans better. Even if their information was correct, which it isn't why was no attempt made to contact me during those 30 days? After perfect mortgage history with them I just all of a sudden missed a payment. Further more they admitted to receiving the pay off XX/XX/XXXX yet they reported me 30 days late in XXXX of that month, how is that possible? This company is doing nothing to fix their issues and are further causing undo stress and hardship on a XXXX veterans family.
XX/XX/XXXX I submitted a CFPB complaint # XXXX   about Penfed regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. Penfed responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and Penfed to settle this account in full and to close this account out to a XXXX balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted Penfed and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with XXXX echoing all the above details and on XX/XX/XXXX XXXX  completed their dispute with a verification of the current reporting. XXXX could not have researched the reference account and then verify the information because that is not correct. I believe XXXX did an electronic XXXX   verification and did not research this in its entirety. If PenFed did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA - XXXX ) has made it unusually difficult to close my Money Market Account. Specifically, this bank does not allow customers to close their account over phone or online and requires them to come to a branch just to close the account. Moreover, the bank did NOT explain this strange rule to me when I opened my account. 

In my case, this unexpected and strange rule led to additional problem : Since I didn't know this rule, I electronically transferred my entire account balance to another bank on XX/XX/XXXX as a preparation to close my account. A few days later I called the bank to close the account which is when I was first told about the rule that I'd need to go to a branch to do so. Since I couldn't find time to go to the branch due to my busy work schedule and also the business travels, the bank charged me {$25.00} Minimum Balance Fee on XX/XX/XXXX because the account had only {$6.00} ( which was monthly interest credited on that day ) left and was still open. This fee resulted in my account balance becoming negative. The bank interpreted this negative balance as 'overdraft ' although I had never withdrawn any amount more than my account balance. 

What's more, the bank started charging me an outrageous and predatory 'overdraft ' fee of {$6.00} PER DAY since the account balance stayed negative as I was trying to resolve this matter. After I called the local branch and explained them the situation, they insisted that I need to visit the branch to close the account but reversed original {$25.00} Min Balance Fee that had caused the account balance to become negative in the first place. Strangely, they refused to reverse the resultant {$6.00} per day 'overdraft ' fee and asked me to come to branch to pay all this 'overdraft ' fee before I can close the account. As a result, as of today ( XX/XX/XXXX ) this matter is still unresolved and my account has a NEGATIVE balance of {$140.00} ( consisting entirely of this ever-increasing 'overdraft ' fees ) simply because I could not close my account over phone, something all other banks that I've done business with over the years allow. 

Fulton Bank has been sending me letters asking me to visit a branch and pay them all these fees just to close my account. I sent them a letter on XX/XX/XXXX explaining the situation. They ignored it and have sent me one more notice threatening to report my account to XXXX, XXXX which may impact my ability to open a deposit account with other Financial Institutions in future. 

I find it hard to believe that in this 21st century world of online banking, we still have a bank that a ) refuses to let customers close their account over phone/online b ) considers negative account balance caused by this strange rule and its own fees as 'overdraft ' and c ) expects the customer to pay these dubious fees just to close their account! 

Hopefully, CFPB can protect customers from these dubious rules and fees that make no sense. 

Thanks.
Midland credit Management is stat ing I owe on a  XXXX   XXXX  Bank account in which I have not had. This account was fraudulently opened by someone other that myself. I have had issues in the past of identity theft and ask that since this debt is not mine that it be removed from the credit reporting agencies ASAP