WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a Citi credit card customer since XX/XX/XXXX. On XX/XX/XXXX, I called Citi at XXXX to request a replacement credit card due to the chip not working with my current card. They indicated they would mail the replacement card via US mail. Over a week went by without receiving the card, so I called Citi back on XX/XX/XXXX. The Citi representative indicated that he  would overnight a new replacement card at no charge to me. For some unknown reason, the Citi representative ordered two replacement cards to be sent via XXXX trackable overnight shipping. On XX/XX/XXXX, I received notification from XXXX that the cards had been delivered to my home and " left at front door ''. I checked my front door, and the neither XXXX package was there. I contacted both Citi and XXXX and spent a good part of my day concerned that my card ( s ) had been lost/stolen. I asked Citi to report my card as lost/stolen and overnight a new card to me with a new account number, and require my signature from XXXX since the previous two cards had apparently been lost/stolen. The Citi representative refused to require my signature. Later that day, I found out that the cards had been delivered to the wrong address. On XX/XX/XXXX, I noticed a {$6.00} " expedited card service charge '' on my transaction history that was assessed on XX/XX/XXXX. I called Citi and spoke with XXXX / XXXX and explained the situation and asked that she refund this {$6.00} charge. She indicated that she needed to perform an " investigation ''. I asked to speak with her manager, XXXX, who apologized and indicated that XXXX could have refunded the {$6.00}, but that he would take care of it on XX/XX/XXXX, following my statement end date of XX/XX/XXXX.
I've disputed Transunion for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
XXXX, XXXX, XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX, XXXX, XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
HOW BANK OF AMERICA USED " DECEPTION & TRICKERY '' TO TAKE MY HOME RESULTING IN THE LOSS OF MY {$160000.00} DOWNPAYMENT AND " ZERO '' CHANCE OF SAVING MY HOME. 

I paid {$800000.00} for my home and put down {$160000.00} resulting in an Option Arm Loan on the balance of {$640000.00}. It all started in XX/XX/XXXX when I contacted Bank of America about modifying my loan. After untold phone calls, over 15 faxes with information they required from XX/XX/XXXX to XX/XX/XXXX Bank of America did not give me a yes or no on my loan modification. MY FORECLOSURE WAS " RESET '' 2 TIMES I WAS A QUALIFIED CANDIDATE FOR THEIR LOAN MODIFICATION. 

The " deception '' is they never intended to " modify ''. I JUST FOUND OUT that B of A makes more money by foreclosing than modifying. They get reimbursed all monies they have paid out at the time of foreclosure because they are first in line and have control of all funds. If they modify a loan they may not get all their monies or may have to wait a long period of time so it is advantageous for the bank to foreclose. I spent many many anxious days and nights waiting for B of A to make a decision since I was a viable candidate for a modification. Finally, in desperation I made an offer ( see attached fax ) to B of A getting alternative financing with a VA Loan. I made so many calls talking to different analysts and NO ANSWER EITHER YES OR NO! It is now clear to me it was not in their best interest to work in " Good Faith '' with me. In fact, they sold the home for {$310000.00} ( see attached ) which is {$10000.00} to {$25000.00} less than my offer plus they paid a real estate fee and other costs resulting in over a {$31000.00} to {$46000.00} lower net on the foreclosure versus a modification. However, that did not cost B of A it was the investors money on my securitized ARM loan. Instead they got all their extra servicing money ( escalated note rate on ARM Loan ) and other costs over my 5 year modification period. Bank of America got all their money INVESTORS AND MYSELF LOSE ALOT OF MONEY BY THEIR DECEPTION AND TRICKERY. 

I contacted B of A for my file and they could not find anything except one 32 page fax. I have talked to so many representatives and analysts during this process and they didnt have a clue what B of A 's BIG SCHEME OF DECEPTION was really about. 

I WANT MY DOWN PAYMENT BACK OF {$160000.00} I am entitled to this down payment back because I was qualified to get a modification or they would not have reset the foreclosure 2 times. I had a VA Loan approved for {$320000.00} to refinance my home but I could never get a word out of B of A on anything. IF BANK OF AMERICA HAD OPERATED IN " GOOD FAITH '' NONE OF THIS WOULD OF HAPPENED and I would be in my home. 


BANK OF AMERICA did not follow the government programs that bailed them out PLUS THEY DECEIVED ME JUST LIKE THEY DID WITH THEIR " ROBO SIGNING ''.
This company called me threating to take me to court if I did not pay this bill. I found out they are unlicensed to collect in this state and it is an illegal collection. This is a bill for my ex husband not me. I felt threatened and bullied into paying this bill that is not mine to begin with.
I was a victim of identity theft and noticed a collection from Central Financial COntrol/syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial COntrol/syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I have a Citibank Checking/Savings account. On XXXX/XXXX/15, I deposited a check which subsequently bounced. I was charged XXXX dollars due to the checking account that was providing the source of funds having insufficient funds. I believe that this unfair and fraudulent ; since, I am unaware of whether the check I received will clear or not. Being the recipient, I should not be held responsible for the failure of another person 's mistake.
North American   XXXX   XXXX  has been reporting their own estimation regarding  XXXX  closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and  their answer is it takes time. These debts were settled more than 120 days ago.
I was instructed by my bank to obtain a fraud alert after my social security number was stolen. I followed the instructions using Equifax. In the mail, on XXXX XXXX or so, I received instructions from Equifax on how to obtain my free credit report pursuant to the fraud alert I had requested. I utilized the online tool provided by Equifax, but the final screen said it could not print my report. When I turned to the automated phone system provided by Equifax, the phone system did not ask for my full mailing address but did manage to extract my social security number. The system did not allow me to order my free report but rather gave me options only for a paid credit report. The automated system had no option for talking to a human being so that I could actually obtain the free report to which I am entitled. Equifax is making lots of money by hiding the ball as to how to obtain the free report to which I am entitled as a victim of fraud. Thank you. XXXX XXXX
Experian Report # XXXX Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX is an account that was or no show of ( ND ) No Data since XX/XX/XXXX and the account is past 7 years. 

Experian last report was XX/XX/XXXX and the the account show ( CLS ) Closed.
Equifax has not removed a fraudulent XXXX/XXXX account from my credit report even though i have filed a FTC Identity Theft Affidavit/Report ( OMB control number XXXX, FTC reference number XXXX ).
I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.
XXXX XXXX and XXXX XXXX representing RAB , Inc. have contacted our business multiple times through phone, email and XXXX XXXX. They have spoken with 5 representatives from our company with only one being the owner. Both XXXX XXXX and XXXX XXXX have been verbally abusive in their language. We have asked them verbally and in writing to stop contacting us however, they continue to harass us. We have been sending payments to the company who hired them. Therefore, I do not understand why XXXX XXXX and XXXX XXXX continue to harass us. 
They have threatened to sue us, send a private investigator, have sworn at us, asked our employees if they like their jobs, called an employee a stupid women. This on going harassment has got to stop. 
RAB , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Toll-Free : XXXX Local : XXXX Fax : XXXX Email : XXXX XXXX
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX  Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,
In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. 
Please see the attached affidavit pertaining to the ongoing report.
Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done again.
It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient. 

Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''. 

I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans.
Equifax refuses to delete collection accounts from my credit report that don't belong to me. The following accounts are currently reporting on Equifax ONLY. XXXX and XXXX quickly removed these since they were not mine but Equifax just ignores my disputes. 
1. XXXX/XXXX XXXX XXXX XXXX {$660.00} 2. XXXX {$510.00} 3. XXXX {$480.00} 4. XXXX {$870.00}
I owed {$260.00} to BankAmericard. BankAmericard sent my bank a payment draft in the amount of {$2900.00} which I did not authorize. I had my bank stop the payment. I contacted BankAmericard who verified this was a fraud from a overseas call. They removed the {$2900.00} from my card. The card was then cancelled and a new card issued. BankAmericard then charged me {$25.00} returned check fee, plus {$2900.00} for the returned check and interest ( to date ) of {$43.00} on this same cancelled account. BankAmericard refuses to remove the amount. They refuse to speak to me on the account saying I have to travel to the nearest card center which is over  XXXX  miles away. They refuse to respond to my letters about this matter. It is now affecting my credit rating.
I purchased a couch for {$1500.00} on XX/XX/XXXX under a promotional financing 0 % interest for 12 months. I then made several traditional purchases in the amount of {$530.00}. I then paid approximately $ XXXX/month for 12 months, eventually totalling {$1600.00} over 12 months. My XXXX statement balance was {$520.00}. I was then charged {$320.00} in accrued interest on XX/XX/XXXX for my original promo financing purchase ( which occured 12 months prior ) based on the entire original purchase amount, even though I have paid off almost all of that original amount. How is this not illegal? This is downright predatory.
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company has not responded to my request. The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}, oliphant purchased the debt from XXXX XXXX. I called the company XX/XX/XXXX to confirm the mailing address and a representative from the company confirmed the XXXX address as the correct address.
This is what I have written to XXXX and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections XXXX and XXXX as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Experian : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
On XXXX/XXXX/2016 I sent a payment of {$85.00} using CapitalOne 's Peer2Peer payment system to XXXXXXXXXXXX. This system uses XXXX, a third party. The intended recipient reported that they never received the funds nor any notification. Upon opening a case with my bank they reported that the funds were deposited into a XXXX XXXX XXXX account however they have refused to provide me with the name of the person nor with the account number for me to know who received the money. My bank has also failed to refund me my money basically telling me that it is lost and unrecoverable in any way. Now myself and my intended recipient are out the original {$85.00} and I have to send another {$85.00}