WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a long standing, perfect pay history, line of credit with Citibank. It is important to maintain a good credit score and I monitor mine. Citibank pulled out of Texas and sold all branches to XXXX XXXX XXXX. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with Citibank was closed and moved to XXXX XXXX XXXX. The problem is that XXXX XXXX XXXX now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with Citibank, became slight negatives with XXXX XXXX XXXX ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both Citibank and XXXX XXXX XXXX.
XXXX  was in my name in  XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges.     The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to   XXXX   and turned on  XXXX  in my name again.     There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me.  XXXX  told me they were two separate entities after they turned off my service and reconnected it.
I havent recieved a statement. 
I havent recieved a debit/ credit card. I am a victim Of International crime. I need access to my account ive had to reset my password
Dynamic Recovery Solutions is contacting me about a XXXX Account they bought from a different collection agency called XXXX XXXX about a debt they said I owed from 2010 to XXXX XXXX. I requested them to cease communication and they threatened to sue me when I do not know of this account and also the beyond the statue of limitations.

Dynamic Recovery stated that they can still contact me as they said this is their first contact, I however and not aware of any XXXX Account from 2010, or any other year. I requested them to stop contacting me and was told they do not have to.

This is a formal complaint against both XXXX XXXX XXXX and Dynamic Recovery solutions. they have clearly violated the FDCPA. the number they called me on is a number they could have only gotten from my credit file and is a very new number. as they stated this account is from 2010, and can not validate this debt with XXXX, I am requesting a thorough investigation into both of these companies.

I have never received any written communication about this debt.
Simple bank did not resolve my dispute from purchase where someone stole my money and would not give it back. I had called them because the situation is as followed : I was paying a person off cash app for goods that i was suppose to receive. I ended up typing the cashtag user name incorrectly by 1 letter by accident. I called XXXX  and they sent me a message saying i had to dispute the charge with my bank  because the money came straight off my card instead of cash app balance. XXXX  cash app sent me an email about this and I forwarded that email to Simple bank and they told me they basically couldn't do anything for me after waiting for 16 days. I had to threaten them with CFPB complaint then they got me a response instantly telling me I couldn't be helped and i wasn't getting my money back. I have already emailed them again almost 20 days into this back and forth and all they keep telling me is now i have to wait another 14 days to get another answer.
Wells Fargo has a history of refusing payments or processing them late, as in a couple of weeks. This results in foreclosure notices about every other month which WF says to disregard because they have the payment. 
On XX/XX/XXXX I attempted to pay WF through both the mobile app and their website. Both were down, so I used the automated pay by phone and received a confirmation number. I watched my bank account all month and it never came out. During that time, I called them weekly, to which they could only tell me their systems were down and they couldn't access my account information each time. 
On XX/XX/XXXX I mailed them a check in the agreed amount. They never cashed it. 
Having been through this in XXXX, I retained legal counsel. 
The XXXX incident began in or around XXXX XXXX when three payments were attempted to be withdrawn from my account. Looking at my credit score, they marked me nearly 90 days delinquent on an auto-payment account. I was threatened when I removed the auto-payment from my account and then WF refused to accept any further payment. Although checks were sent each month up until the notice of sale three months later. The account was reinstated through legal counsel and a large sum of money. However not even two months after reinstatement, they began with the late  acceptance of payment measured in weeks after payment in which I have written in a journal to document the absurdity. Not documented was when it began the fall of XXXX when the lapse between payment and processing is around 20 days. The aforementioned journal is attached, XX/XX/XXXX - XXXX to serve as historical reference of how my account is serviced and I am harassed each month. 

WF has marked me 30 days late for 3 years and my credit has been ruined from this one creditor. They've trapped me with no option to refinance with another provider. I no longer wish to be their customer. 

Due to current litigation, I am not attaching any current discovery items besides those proving payment was made in good faith on my part.
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.
My loan is in default and has been referred to the guarantor. I contacted the guarantor and was told to contact Navient. Navient allowed me to make a payment. I was then instructed to setup auto payments in order to allow Navient to " begin '' working with me. The payment posted to the account after three business days. I called back to setup the online payment and I was told that there was nothing they could do until the account was under so many days past due. So, I was given incorrect instructions from the beginning and led to believe that my account would be brought into a status so that I could get on income based payments. I have a few options left that are not palatable, but I am tired of working and doing what I am told to do and then being told that it is not enough.
USAA continually reports incorrect information on my XXXX credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and USAA multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX.
A collection agency has attempted to seek payment under a medical billing without proving they have a right to collect the debt. They were sent three letters beginning in XX/XX/2017 mandating they verify the debt and show proof of the contract to collect from the original debt holder and provide a copy of my signed authorization for the creditor use a third party collection agency. To date, they have NOT a copy of a contract or proof of my signature to a third party authorization. They were also informed the CA statute of limitations for the debt has expired and I will need proof they or the original creditor protected or extended the statute by filing a lawsuit and receiving a judgement in their favor. More than 60 days have passed without a response in writing or by providing the documentation requested. 

COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX
I asked them twice to stop calling me at work and I am going to get fired if they continue. I even have it in writing to them and they continue calling me here.
XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening.
The reason for my writing to you is to state SYNCB/XXXX   is being unreasonable. 
This company requested that I provide detailed proof in regards to being a victim of identity theft. I provided proof that mails which were being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were compromised and my personal information accessed and used without my permission. I attached my dispute letter which I sent to this company on XXXX with Fair trade commission ID theft report, ID theft Police report and my identity documents. 

I am a victim of identity theft. This report is to document compromise of my personal information, resulting from mail taken from my mailbox during the period in question. 
This account and my personal id info may have been  compromised. Please note that mails which was being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were stolen. As a result, I didnt get mail. 
There are possible fraud charges since my charge was {$41.00}, any additional charges were fraudulent. This letter is direct confirmation that I want this account deleted, I have enclosed proof of my identity and a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 
But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : SYNCB/XXXX XXXX Date of account Opened XXXX The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that you remove this account from my credit report. 
Attached : 1. My dispute letter to this company 2. My police report 3. My FTC report 4. My Small claim form
ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP
I had a sopite open with CITIBANK XX/XX/XXXX for 4 transactions by the same person. {$110.00}, {$300.00}, {$280.00} and {$50.00}. 

I complained to CFPB about Citibank closing my case due to not having documents when I have transaction verification report proof I sent it. 

I closed my account at CITIBANK due to money being taken out constantly. 

On XX/XX/XXXX I received 3 checks from CITIBANK in the mail : {$110.00}, {$300.00} and {$280.00}. I called the response unit regarding this and they still until this day havent gotten back to me. I called Citibank DISPUTE center regarding this on XX/XX/XXXX to ask if this is PROVISIONAL or PERMNANET because I did not want to cash it if it was provisional. 

On a recorded line XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, it was safe to put it into my bank and that the case was closed. 

On XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, they got the money back from the merchant and the case is closed. I reiterated IS IT SAFE TO CASH OR WILL IT BE TAKEN AWAY? He said no, it is permanent and go ahead and cash. 

So I went ahead and cashed it. 

Today XX/XX/XXXX I received another {$300.00} check in the mail so I called CITIBANK to ask what this is for because I had already received my money and was this for something else ... they couldnt figure it out but told me that the money I got via check that i was told by multiple people that it was PERMANENT not PROVISIONAL ; that it was in fact provisional credit and not permanent ... that my case is still being investigated and the money can be reversed ... 


On recorded lines with CITIBANK DISPUTE, I was told this money was permanent and safe to spend/use and that my case was closed ... 

On a recorded line from MULTIPLE sources I was told the same thing and now its false information ... 

I am very upset and wanting to bring a lawyer into this as I was given misleading information on a recorded line and no one has done anything about it.
Chase Auto will call up to 5 times a day. Some calls are automated, XXXX number shows up as " XXXX XXXX of XXXX ''. I do not speak to them because everyone I have ever talked to has been rude.
Due to American Express ( Amex ) not properly crediting my account for a disputed balance totaling {$66.00} after repeated written request with supporting documentation that the disputed balance of {$66.00} should be credit in full I cancelled my Amex account # XXXX in writing on XXXX/XXXX/2015. 

Prior to the XXXX/XXXX/2015 account cancellation I wrote Amex on XXXX/XXXX/2015 and requested that they transfer all my past and future " Membership Rewards Points '' to my existing XXXX XXXX Amex account # XXXX This is fully allowed in the Amex MR Terms and Conditions under the section titled " Forfeiting and Getting Points Back / XXXX. For Canceling Your Account ''. The problem is Amex will not honor these terms and I have not received my earned points or a check for these earned point.
I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.
I have been banking with Bank of America for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted BOA, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told " It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned BOA numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from BOA stating, " We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen.
I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA
I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You
Citicards has been attempting to submit an unauthorized electronic payment out of my checking account two times in the past two weeks This has overdrawn my checking account both times. I called once again today to get the matter straighten out and I was told they were not able to stop the payment and a third unauthorized attempt is going to be made which will once again overdraw my account.
Whenever I go on a website that lets me check my credit score, it says that they ca n't access my credit score. I 've tried XXXX and experian, but they said the same thing that they ca n't access my credit score. I type in all the information they ask for, but it still wo n't let me see my credit score.
I am paying XXXX a month to CreditKarma for monitoring purposes, and I come to find out that they use a model known as " VantageScore 3.0 '' which actually nowhere near resembles what my actual FICO score is ; in fact, it 's actually grossly overinflated. I am not satisfied with their canned response that " it 's a different model. '' But should n't they be obligated to report my actual FICO score as they are branding their product with XXXX 's labeling? I am onfused as to what the best service is for continuous monitoring of my credit score. Thanks!
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX    Financial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with Capital One to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted Capital One and the reporting agencies. Capital One long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
My Granddaughter had me to cosign for her to go to college in Alabama. Was told that was just to help her get into school and would not cost me a thing. This was done over the internet.  Wells Far  go t ook over  XXXX  dollars out of my checking account with out my knowledge and I only found out when I started paying bills that I had borrowed the money to pay off. I almost had a break down from the loss of money and the constant phone calls. My granddaughter would not answer my phone calls and block the whole family. I am  XXXX   years old  and would like to know if I can get the money back from these crooks. I closed my account with  Wells Fargo an d will never again trust a bank or a granddaughter.    Regards   XXXX   XXXX