WillisBack/dataset-financial-user-claim huggingface dataset:
The scammers are using at least XXXX different names, XXXX lead to the same area of XXXX California. Someone calls my cell and leaves a message ( or they call my employer saying someone has legal papers to deliver to me ) that there is " complaint '' against me ( that was the first call in XXXX ) from a female. The second call on Thursday XXXX XXXX came from a XXXX XXXX with XXXX saying there were some " Undelivered '' papers for me and to call XXXX with a reference number. Answering that number was someone who sounded exactly like XXXX XXXX, but said his name was XXXX XXXX XXXX *I 've been in the XXXX for 45 years, I can tell voices. He gave me their address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. The first call in XXXX went to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I think their number is XXXX. The tactics are similar and the businesses are geographically close so there indeed may be a tie in ... They are calling about a debt that is past Statue Of LImitations in South Carolina.
I qualify for XXXX loan forgiveness on my federal loan of {$17000.00} because I worked at a XXXX XXXX XXXX as a XXXX XXXX XXXX for at least 5 years ( it was actually 8 ). I spoke with Navient on XX/XX/XXXX and I was told that my application for forgiveness looks great and I am in the phase where I can " sit back and relax '' and that my work was done. I called last night ( XX/XX/XXXX ) to get an update and was told that there was a problem with my application. This is not the first time that they have said there is a problem, and there is never a timely response, sometimes taking more than 30 days to receive a response. I was told that since the school in which I was working changed names, I must resubmit the entire application with the previous names as well as the original application. So I would have two nearly identical applications going at the same time. The requirement is that I taught at the school for 5 years consecutively and I did so, not including the name change. I find that their information is unclear and untimely, and they are making no efforts to assist me in completing this process. Navient seems to be the only contact point on this subject and is either unable or unwilling to assist me in the matter.
I applied online for a Citi Thank You Preferred Card. I was approved. This particular card gives you XXXX bonus points when you spend {$1.00} when the XXXX 3 months of use of the account. I was keeping track of my transactions, and had made roughly {$1600.00} in purchases within the XXXX TWO months. I noticed that the BONUS points were not issued to my account. I have other reward cards and usually any bonus points are rewarded soon after the threshold spending level is reached. This was not so with the Citi Thank You Preferred Card. I contacted the customer service department to get an explanation. After waiting two days for an e-mailed response, I was informed that I was NOT enrolled in the bonus point program and that " on my contract '' I was given an 18 month 0 % APR introductory offer instead. The Citi Thank You Preferred Card according to the Citi website has a 12 month 0 % introductory APR plus the XXXX BONUS point program. The 18 month offer is not even the standard issue for this particular card. Needless to say, I was not informed of the change. I feel that they used a bait and switch technique to get people to sign up for their cards. It seems like a form of fraud. Incidentally, they did say that I could contest this if they sent me any printed material which confirms the BONUS point offer was offered to me. I APPLIED ONLINE, IT 'S ON THEIR WEBSITE, It 's also mentioned on various websites that help consumers compare credit cards and help them to decide which card is best for them. I feel that people should be made aware of Citibank 's fraudulent practices in regards to their rewards program.
Please consider this my formal complaint against Experian National Consumer Assistance Center.

At the start of XX/XX/XXXX I ran my credit report and found Experian was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so.

I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Experian report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian National Consumer Assistance Center has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Experian again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX & XXXX ) as well as the letters from the bankruptcy court. Experian still insists they have verified the bankruptcy.
This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.
I am not sure if this is the right category for my complaint. I have contacted all XXXX credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on Trans Union and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from XXXX % to XXXX % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! Trans Union told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
( SEE ATTACHED DOCUMENTS ). I am seeking relief from a Interest only ARM loan that I received from Wells Fargo Mortgage ten years ago. Over the last several years I have sought relief from Wells Fargo Mortgage. In XXXX I received a temporary two year loan modification from Wells Fargo. I expressed my concern regarding the temporary status of the loan modification and was told I could submit a new modification loan application 30 days prior to the expiration date. XX/XX/XXXX I submitted a loan modification for both my mortgage loan and my equity line of credit loan and was denied. In XX/XX/XXXX my monthly mortgage payment increased by more that $ XXXXmo from $ XXXX to $ XXXXmo, XX/XX/XXXX my line of credit loan increased from $ XXXX/mo to $ XXXXmo. I submitted another loan modification in XX/XX/XXXX. I received a modification on the equity line of credit loan reducing my monthly payment from $ XXXX/mo to $ XXXXmo but was denied a loan modification on the mortgage loan because I had already been granted a loan modification. Wells Fargo failed to inform me verbally or in writing that acceptance of this loan modification would render me ineligible for future loan modifications, matter of fact they informed me of the opposite. My situation is outlined in letters I have sent to Wells Fargo President/CEO XXXX below.
I contacted the three reporting agencies about a collection account that is incorrectly reported as mine. Both XXXX and XXXX corrected and deleted the account after their investigation. However, EQUIFAX refuses to delete this account from my credit report. The party responsible for the account even wrote a letter to EQUIFAX explaining that the account is theirs and NOT mine. They still refuse to delete it. I am a student trying to establish credit and use it responsibly, I monitor it and I recently received a student credit card to help me increase my credit rating. Unfortunately, this account that is incorrectly reported is hurting my chances to manage my credit responsibly. I appreciate any help you can provide to me. Thank you.
XXXX in XXXX, NC has refused to remove a derogatory account on my credit report. I lived there from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. I left there with a zero balance. I have called numerous times to have them fix the account, and they will tell me it will be taken care of, and it is still on my credit report.
On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I spoke with a US Rep that was assisting me with removing the inquiries off my report. During the phone call the she ( rep ) was confirming which inquires needed to be removed and the call disconnected. I called back and waited 30 minutes to get another US Rep on the phone. I explained to the rep that answered my call that the previous US Rep I was speaking with was deleting unauthorized inquiries and if he can continue to assist me with request. He told me he could n't do it. I, then advised him again that the previous US Rep was already in the process of removing the unauthorized inquiries. However, he did not care and did not assist me with removing the authorized inquiries, even though the previous US Rep was willing to help before the call dropped. I also advised that I have fraud protection on my reports due to fraudulent inquiries that were not authorized by me.There are 13 unauthorized inquiries from several companies : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , XX/XX/XXXX and lastly XXXX XX/XX/XXXX. None of these places had my authorization to pull my credit or anything related to this matter.
I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Equifax to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Equifax is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.
I received services on XXXX/XXXX/15 and this was a medical service that was paid for by my insurance company. I contacted XXXX XXXX and they assured me that I had no balance with them. The creditor AR Resources INC continues to try and collect on a debt that was paid.
On XX/XX/XXXX, I got a phone call from HSBC fraud department asked me about two wire transfers. I told them immediately that I never made any transfer, neither did my spouse. And the HSBC staff on the phone told me he was able to hold both transfers successfully. He also needed to verify my identity. I was very careful with this kind of phone calls and online questions. So I went to the local HSBC branch ( XXXX NJ ) immediately. I told the manager what happened and showed her the number of the phone call I just received. She verified the number is HSBC fraud department and closed all my accounts ( checking, saving, credit card and debit card ) and also reopened new ones.

Then it turned out that the two transfers : one didnt get through, the other one was cleared and withdrew by the recipient.

It took the HSBC 25days to refund me the transfer ( amount {$60000.00} ) that didnt get through. Then I was told that the other transfer ( $ XXXX+ $ XXXXfee ) was still under investigation. I called customer service and went the local branch several times and asked for an estimated timeline. But nobody can give me one. I searched online and found out I should also report this to the local police department, which the HSBC staff never mentioned to me. ( I reported it to the police department around the end of XX/XX/XXXX )
Asked both transunion XXXX and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
I have a student loan with Citibank whom I can can not speak to about any my questions, concerns, or complaints.They are being serviced through XXXX XXXX, XXXX and they basically can only collect payments. Months ago, I tried to contact Citibank and XXXX to have my loan payments lowered and/or postponed and I received no help. On XX/XX/17 at XXXX XXXX, I called to make my monthly payment so that I would n't receive a late payment reported to the credit bureau and I was informed that XXXX reported the late payment at XXXX XXXX. Now my credit score has plummeted and they will not give a curiosity removal or reversal even  through I made the payment the same day as the reporting. I had no idea that they report to them at XXXX XXXX or I would have call on my lunch hour at work to make the payment.
I opened a Capital One 360 checking account on XXXX. No issues, they opened it. Well today on XXXX my uncle sent me {$2000.00} for college and my birthday. XXXX, XXXX says pending. An hour later I get an email saying my account was frozen and to call in to verify the deposit. I call in and verify myself after half an hour on hold. The rep then tells me that XXXX has decided to close my account and will not be giving me a reason. Nor would they mail me my birthday money. They absolutely refuse to help. They closed my account in the middle of a deposit without any reason after a month of me being a customer. And I never went into a negative amount. I want my money and an apology!
The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX
We filed to have a modification back in 2013. Our FHA loan was through Citimortgage. 
HOPE after a year and a half, lowered our payments {$26.00} and because we were told not to make payments, Citimortgage reported us late every month. Screwing up our credit but then making us sign a paper saying we had to then pay {$11000.00} back when the mortgage was paid off or the house was sold. etc. I asked for an itemized statement for the {$11000.00} in charges and I still can not get one.From the HOPE ( HUD ) that did our modification. Why should I pay that back when they really did nothing but take what we were behind and put it to the end of the mortgage ( which Citimortgage should have worked with us on ) and now we have to pay it back? Our credit is wacked, they lowered it a measly {$26.00} and we now have a {$11000.00} note when we sell our home?
I had XXXX in XX/XX/XXXX and my deductible was XXXX and my total out of pocket was XXXX. When I checked into the hospital I owed exactly XXXX. We charged the remainder of my total out of pocket to our credit card and I had no more out of pocket expenses for XX/XX/XXXX. I then received a bill for XXXX from the in-network surgeon. I explained to them that any money due to them was paid by my insurance company. 
I have reported this to the collection agency and it is still being reported on my credit report.
Had a water loss at our home XX/XX/2016. XXXX XXXX immediately mailed a check based on the estimate for repairs, {$18000.00} XX/XX/XXXX. Had to send check to NYCB to get an endorsement. Work was completed in early XXXX 2016. Sent final bill and other requested paperwork to NYCB. They released {$5000.00} of the funds and stated they needed an inspection to make sure the work was done satisfactorily. Inspection ordered XXXX XXXX. After weeks of not hearing from anyone regarding the inspection and numerous phone calls to NYCB, an inspection was finally performed XXXX XXXX, six weeks after the request. Meanwhile, the contractor needs to be paid and we need to pay for rugs and carpet that was ordered. No, NYCB continues to hold our money hostage now claiming that the inspection was incomplete and they need to schedule another one. I do not have another six weeks to have an inspection done. Granted, this is a {$350000.00} mortgage on a $ XXXX house so it is not like they are not going to ever recoup their money if something were to happen to the house. It is a scam NYCB is running by pooling insurance claim funds, earning interest on these funds while holding their mortgagee funds hostage claiming that they need more paperwork, inspections etc ... At my wits end. Please help and beware of NYCB.
They overcharged me with team toon fee by XXXX dollars and the fee was paid each time they sent it a total of five tranctiona were paid for and they were the incorrect amount each time they originally corrected the amount but have taken it back and now are collecting a wrong amount.