WillisBack/dataset-financial-user-claim huggingface dataset:
There is so much malfeasance with Citibank nationally and internationally that I am mad my tax dollars helped them to survive. Citibank fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX,XXXX and XXXX Citibank continues to create havoc with lies, lies lies! I recently reported a P.Vigneault on XXXX XXXX, XXXX who I feel will counter with another XXXX letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with Citibanks explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for Citibank to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that Citibank made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the fourth paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact XXXX XXXX XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it Citibank, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then Citibank stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen Citibank sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So Citibank man-up and admit the truth, you lied.
MY STUDENT LOAN IS BEING REPORTED AS 120 DAYS LATE IN 2014. I WAS IN SCHOOL DURING THAT TIME AND GRANTED AN INSCHOOL DEFERRMENT. NAVIENT HAS SENT THIS INFORMATION TO ME STATING THEY REMOVED THE NEGATIVE REPORTING. HOWEVER THIS NEGATIVE REPORTING IS STILL ON MY CREDIT REPORT WITH ALL XXXX BUREAS. I HAVE ASKED NAVIENT TO REMOVE THIS SEVERAL TIMES BUT MY REQUESTS ARE FALLING ON DEAF EARS.
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Mexico on XX/XX/XXXX ( Account Number XXXX ). For Business reason, I moved the car back to Illinois and had a very difficult time getting the paperwork required to license the vehicle in Illinois. In fact this took 5 months from XXXX to XX/XX/XXXX and a finally involving supervisor from XXXX XXXX to complete the task. 

I pre-paid my lease and because of time delay from lease paperwork transfer to Illinois, turned in my lease with XXXX out or a lease term of XXXX miles on XX/XX/XXXX. 

After turning in the vehicle, I received a bill from XXXX XXXX for {$390.00} because I did not purchase or lease another GM product at the end of the lease. After a lengthy discussion this was reduced to {$100.00} but XXXX XXXX did not immediately send the updated invoice. 

I noticed on my credit score that changed for the negative and that XXXX XXXX now had put that I had an open unpaid balance of {$420.00} since XX/XX/XXXX. 

I immediately paid the {$420.00} balance so that my credit score would not suffer and contacted XXXX XXXX about this and to get my {$320.00} refund. 

XXXX XXXX still has XXXX balance at {$420.00} on XXXX. 

Even though XXXX XXXX said they would send my refund - they still have not done so.
A few months ago I got overcharged with overdraft fees. I called my bank and they fixed the problem but told me that it was a one time deal. That I would have to manage my money better. I took they advice and set up alerts. I am to get alerts when my account reaches {$100.00} and another when it reaches {$50.00}, this way I won't get hit with overdraft fees. For a bit it was working but then my bank stopped sending me text alerts and stopped emailing me. When I tried to discover the problem they said that I needed to " update my contact info ''. I did that seven times and even went to the bank and called them. I thought it was resolved. Then I started noticing that my statements were coming in later. I thought it was fine since I was keeping track with my spending thanks to the app. However, on the XXXX, my bank tells me that I am over {$500.00} in debt! I was just buying groceries. They didn't post any of my transactions making it seem like I had more than I did and then they charged me overdraft fees. I went to pay for a cab and then my card was denied. I checked my account and saw what they did. I thought that they put a hold on my account since some payments didn't go threw. I knew that I was getting paid in a couple of days so I didn't sweat it but even that was a lie. They blocked some transactions but let others go threw while I wasn't monitoring it so they could charge me more overdraft fees. They charged me 11 times for overdraft fees for purchases I made a week ago that are just now coming up. All together it accounts to {$380.00} dollars. The bank is Wells Fargo.
I applied for a consolidation of my school loans and the income contingent repayment plan with the federal government in XXXX XXXX. My application for consolidation was approved XX/XX/XXXX and I was paired with Fedloan Servicing as my loan servicer. However, I was never informed that I had been approved for the ICR plan by Fedloan Servicing nor did I receive a bill for my first payment under the ICR plan. My understanding was that my application for the ICR plan was still be reviewed. By XX/XX/XXXX, I still had not heard back and as a result, I put my school loans in forebearance, since my monthly payments exceeded my monthly income. At no point for an entire year was I contacted during that time to let me know that I was accepted into the ICR or what my monthly payment was under that plan. Thus, by XX/XX/XXXX at the end of my forbearance period, I reapplied for the ICR plan, at which time, I immediately began repayment. Fedloan servicing admits they can not find the letter in my paperless inbox. In addition, I received an email after the time that Fedloan servicing said I was approved for that plan, that they were still waiting to hear from my to apply for a consolidation. This lead me to believe that my loan application for ICR still had not been completed. The interest that accured during this forebearance was {$25000.00}, which has since been capitalized onto my loan. 
In addition, another {$25000.00} was capitalized on my loan in XX/XX/XXXX for a reason that Fedloan servicing can not explain. I was given XXXX different reasons why it capitalized, and every time a reason was refuted, they came up with a new reason. 
Fedloan servicing gives incorrect information or no information at all, resulting in decisions that cost borrower tens of thousands of dollars. My school loans are currently over $ XXXX- {$50000.00} of which resulted from Fedloan servicing and their ineptitude. 
I am not borrower looking to get away with not paying my loans, I am a borrower who wants to pay what she truly owes, not inflated amounts resulting from a third party. Fedloan servicing has an obligation to keep the borrowers informed. Failing to let a me know that I had been approved for a repayment plan for an entire year is unacceptable. The student loan crisis is in no doubt partially due to loan servicers not providing borrowers with the information needed to make responsible decisions. They read from screens and ca n't answer any questions that deviate from their prompts. PLEASE DO SOMETHING ABOUT THIS. THEIR MISTAKE COST ME {$50000.00} PLUS 20 YEARS OF INTEREST AT 7.25 %!!!!!
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
On X/XX/2017, GE Capital Retail Bank, XXXX XXXX XXXX, XXXX NY XXXX, phone XXXX, frauded/scammed me during a loan process. I paid over XXXX in XXXX cards to them for fees, insurance, etc. At the end of the loan, they said for me to get the money, plus my fees back, I needed to pay over {$600.00} in taxes to IRS through them cause it was state to state loan, I refused, the loan was voided. They also sent me a check that bounced that caused my account to be frozen, costing me bank fees. The names of the officers from the bank, XXXX XXXX, XXXX XXXX.
Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.
my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.
I have a charge made for {$58.00} with XXXX. I disputed because I did not recieve the merchandise. The merchant failed to provide proof that the flowers were delivered to the shipping address. Under the commercial code the merchant is liable for any item I did not recieve. Chase incorrectly sided with the merchant on the dispute WITHOUT ANY EVIDENCE THAT THE ITEM WAS DELIVERED TO THE DESTINATION. I sugguest chase should take a hard look at this and apply the standards of a dispute for this. Please refund the money I am owed.
Check N Go has cashed a check against the bank account of my deceased father, XXXX XXXX XXXX. The check in question was written on a date when he was XXXX and the dollar amount of the check does not match his hand writing. 

When I contacted Check N Go, no loan was found in his name when they searched by social security number. 

The deceased has a bank account at XXXX XXXX Bank in Indiana. 

The check was written on XXXX/XXXX/2016, the deceased was XXXX and in hospice care on this date and passed away on XXXX/XXXX/2016. 

The XXXX was deducted from a Social Security deposit made to the deceased persons account on XXXX/XXXX/2016. These monies were refunded to the Social Security XXXX as expected upon notification of death. 

The check should have been returned to Check N Go for insufficient funds in XXXX and not resubmitted in XXXX. Further, there is no evidence that my father, XXXX XXXX XXXX held a payday loan for which he would have been liable.
I HAVE ATTACHED THE POLICE REPORT. Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Equifax is reporting a tax lien on my credit report with no identifying information that this is my debt. No name, address, birth date, SSN ... .NOTHING. I have asked that proper identifying information be provided to me and it has NOT. Remove it from my file IMMEDIATELY,
For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX , XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with Experian and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, Acura indicates that they NEVER received a XXXX XXXXXXXX XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, Acura has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Equifax credit report constantly consist of errors from dispute comments being on accounts that AREN'T being disputed to Equifax readding items previously removed but not providing notice to me the consumer that items are in fact reapplied to my credit file. please see accounts and problems noted below 1 ) XXXX XXXX XXXX XXXX/XXXX account # XXXX Equifax needs to remove dispute comments account is not in dispute 2 ) XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX Equifax needs to remove dispute comments account was resolved months ago 3 ) XXXX XXXX XXXX XXXX account XXXX XXXX Equifax needs to remove dispute comments resolved months ago 4 ) XXXX XXXX XXXX XXXX account XXXX XXXX account was removed from credit file in XX/XX/XXXX, today it reappeared with no payment history, no account term or details no date of last activity and a delinquent note of XX/XX/XXXX why is this reapplied 2 years later with no notice to me the consumer or account details There has been no communication to me from the creditor in over 3 years 5 ) XXXX/XXXX XXXX account # XXXX balance on the account states {$110.00} I have disputed this account several times even provided account statement showing account has a XXXX balance Equifax needs to update the account balance to reflect XXXX balance Equifax stated they previous investigated the account but report shows no payment history since XXXX and date of last activity as XX/XX/XXXX
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX  and XXXX with no successful resolution. Equifax, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
It is understood that banks have overdraft fees, however I encountered an incident that is highly irrational and simply unconscionable. I am a XXXX employee who makes over {$250.00} a week and over a month ago, one week of my barely there paycheck went towards over draft fees. Over a long holiday weekend I made a couple of withdrawls, only after carefully balancing my checkbook to ensure that my available balance was able to cover the withdrawls. That Tuesday I checked my account, only to find to my horror that my account was in the negative for almost {$300.00}, charged XXXX over draft fee 's for purchases averaging less than {$10.00}. We immediately contacted Citizens Bank customer service, only for them to explain that because the larger withdrawls posted before the smaller purchases, resulted in my account being overdraft. The bank representative was empathetic and was not willing to remove none of the overdraft fee 's, not even XXXX. I escalated it to the supervisor and she was even less empathetic to the point of her being very condescending. She referred me to a local branch to try and get the fees reversed but this was nothing but an attempt to end the call because the branch representative referred me back to the corporate customer service, who referred me to them. There is something highly wrong when these banks, whom our tax dollars bailed out, show little sensitivity to its customers and is steadfast in its conviction to operate in a manner that lacks an ounce of humanity. It is clearly visible to the Citizens Bank how much is deposited in my bank account each week and to have not even XXXX of its employee express some level of compassion is still beside me. Every business is in it to turn a profit, but to think that Citizens Bank will go bankrupt for waiving these fees is unfeasible, what they in turn will lose are customers, because unlike its namesake, this is a bank that does NOT stand for the best interest of its citizens.
Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed.
I have deposited the fund amount of US {$54000.00} to Coinbase Inc via XXXX XXXX XXXX on XX/XX/2018. Then I tried to withdraw my fund right away when I noticed that I couldnt buy/sell digital currency because I dont have SSN ( Im legal alien, not US citizen ) however they dont allow me to withdraw my fund because I dont have SSN. I tried to find out whats going on but their customer support didnt listen to me at all. 
Then I told them that I want to close my account But they said they cant close my account because I have money in my account. 

So many times, Ive asked them to let me know how to get my money back for last 5 months ( I can give you my email history and claim records ).

2 weeks ago, one of them replied me like I need to change my country in my account information, so I sent them my passport but they said they cant change my country because I got money in my account ( thats my fund that I want to withdraw ). 

It looks like they dont have willing to solve my case. Thank you so much for reading.
In XX/XX/2017, I applied for and was approved for a Chase XXXX Rapid Rewards Visa card. Chase offered me a promotional bonus of XXXX XXXX Rapid Reward points upon making {$2000.00} in purchases within XXXX months of receiving the card. I met the spending requirements in early XX/XX/2017, and was told by Chase that the XXXX points would post by the next billing statement date of XX/XX/2017. However, I did NOT receive the points as promised. Upon contacting Chase, they informed me that they had mistakenly attached my husbands XXXX Rapids Rewards number to my account and that was the reason why I did not receive my promised bonus points. I gave them MY RR number, asked them to correct their mistake and to credit me the XXXX bonus points as promised. They told me that they would submit my request to their marketing department for review but that they could not tell me when I would or even if I would receive the XXXX points. They said that the review could take several weeks or even months!! I applied for this Chase with the intention of using the XXXX bonus points towards planned flights this summer. The longer Chase makes me wait, the less likely I am to find available flights! I completed the spending requirements -- now Chase needs to abide by their offer and credit me the XXXX RR points that I have earned ASAP. Chase is notorious for making mistakes and then taking forever to correct them. They need to make this right -- NOW!!
XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
I opened a cheque account at Bank of America while visiting XXXX in 2013.
Now Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.