WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working with Citibank for the past month to try to rectify a situation on my credit card. The primary issue is that my account was switched to e-billing with no authorization by me or notice to me. I received an automated call form Citi on XXXX XXXX, 2016 and called them back within the hour. On that call, I was informed that my account was past due and began the process to fix that ( Immediate payment of full amount plus fees and interest ). I have had that particular card for 16 years and have never been late, nor would I switch to e-statements. 

Upon being notified by my credit monitoring service ( XXXX ) that Citi reported my account late to the XXXX credit bureaus I promptly contacted Citi in writing on XXXX XXXX, 2016 ( Exhibit 1 ), notifying them that I did not switch to e-statements, nor receive any communication from Citi that my account had been switched prior to me calling them back from the automated call, I had asked for them to update my record with the Credit Bureaus. I received a response from Citi on XXXX XXXX, 2016 ( Exhibit 2 ) that stated their records are correct and failed to provide any evidence of my account being switched to e-billing nor any proof of corresponding that switch to me. I had an attorney follow up to Citi in writing on XXXX XXXX, 2016 expressing similar concerns ( Exhibit 3 ) and in turn received a second response from Citi on XXXX XXXX, 2016 ( Exhibit 4 ) expressing again that the records are correct while still providing no evidence of my switch to e-billing or notification thereof. 
Although I have been harmed in the form of late fees ( totaling {$65.00} ) and the reporting of late payments to the credit bureaus, I do feel that Citi is sidestepping the real issue by not providing evidence of my switch to e-statements as well as what notification they provided to me to state that the account has been switched to e-billing. 

I have an impeccable credit history with no late payments on any of my accounts - ever. Credit is used as part of my employment eligibility so I would like my file corrected and thus far Citi has been unable to provide any support of showing how this account was switched as well as what notifications went to be to state that it had been switched which ultimately led to an untimely payment. 

Thank you in advance for your help in this matter.
On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. 
The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.
Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there.
Took {$3000.00} loan for mother in law from dentist office, because she could n't get the loan, since she lives on SS paycheck.
On XX/XX/XXXX I submitted a complaint concerning my mortgage (Caliber Home Loan)Complaint# XXXX.In their respond they said they would work with me getting a modification, I submitted everything they asked for in a timely matter .They called me a few times requesting other items , and I submitted them. They said they would notify me. Did not hear from them by phone, mail etc....Received a letter XX/XX/XXXX from an attorney stating that I had to be out of the property in 10 days. Per XXXX XXXX  respond thru CFPB they said they notified their foreclosure firm on XX/XX/XXXX to temporarily suspend any additional foreclosure proceedings to allow sufficient time to return complete mitigation application. I did what they ask and now they are kicking me out with out any other notice.
On XXXX 2015, I and my wife went shopping for a dryer and washer at Sears. The sale person told us that Sears was having a promotion no interest and no payment for 12 months. We decided to buy a dryer and washer and he explained to me the terms verbally and told me that I do not have to worry for 12 months and the credit card department will send me the documents and the statement when the payment is due. 

Sears Credit department never sent any document to me and after 6 or 7 months I began wonder but not worried as the sale person told me that I did not have to worry about the payments for 12 months. However, on XXXX XXXX and XXXX, 2015, I called them anyway just to check why they did not send anything to me. When I called they said they sent the documents to my address and I asked which address, they refused to tell me and they said I have been late. I got upset and disputed with them but they said it is too late. The only thing I could do is to go to talk with the sale person who explained the term to me as them to clear it. I went to Sears. They said the sale person no longer worked there but they advised me to pay it off so that my credit report was not affected. I got no choice but paid everything off on that day. They said they cleared it and I should not be worried about my credit report and they fixed it in they system. 

Now I am planning to buy a house and checked my credit report has the information of late payment with Sears and they said I was late for 150 days, which is not even correct. I am requesting for help in clearing this from my credit report. I have never been late with any other companies as you can see on my credit report and this was because the confusions that Sears had created. Please let me know if have any questions and my cell phone number is XXXX XXXX XXXX XXXX if you need to contact me. Thanks for you help.
I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline. 
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.
My wages have been garnished to pay this defaulted loan through Immediate Credit Recovery. I applied for Economic Hardship ; and regulary went to website ; saw status messages I did n't understand ; called Immediate Credit recovery they did n't return calls. I complained via myeddebt.gov. within the past week I called & was told garnishment was suspended & set up voluntary payments. I waited so I could do research. a few days later I call back to set up voluntary payments and find out that my account is on hold due to my complaint ; wage garnishment still in effect. My account will be on hold until Immediate Credit Recovery ( or Dept. of Ed ) investigates my complaint. This seems so retaliatory. I am glad I waited to attempt voluntary payments. I would have been paying via wage garnishments and voluntary payments.
XXXX XXXX with Capital One references a check deposited from a XXXX XXXX and the account, a XXXX XXXX XXXX, linked to my 360 checking at one time as supposed proof I received funds from a check issued by Capital One..The check in question in the amount of XXXX, was intercepted while I was away, my signature forged on it and cashed to the XXXX XXXX XXXX . A XXXX XXXX is trying to imply that the one time linking of my account to XXXX XXXX XXXX and the check deposited from XXXX XXXX to my Capital One account is proof I received funds.. My signature was forged on the check, I was in XXXX XXXX at the time, from XX/XX/XXXX to XXXX. A XXXX XXXX picked me up, drove me to XXXX XXXX XXXX for my flight. I can get a statement from this person as well as a copy of Hotel stay showing I was not available to receive, sign check, cash it and receive funds. Needless to say, the information provided from XXXX does not prove receipt of funds. The XXXX XXXX XXXX account was linked fraudulently, it was removed by a Capital One rep shortly after. The check which she references as deposited to my Capital One account from XXXX XXXX 's account occurred well before check in question was even sent out, on or around XX/XX/XXXX. Failing to reach a resolution, a suit needs to be filed. I've requested the address to mail a notice of suit to, XXXX replies with a third party web-site which I will not visit. I understand this third party is responsible for filing of such suit, however, Capital One needs to provide the address to send to, I wont do their work for them. I would also request solid proof I in fact cashed the check and received funds from, which they do not have. If they check signature on file, they will see the check they resent on or around XX/XX/XXXX was not signed by myself, they can compare it to the prior check which was in fact received by myself on XX/XX/XXXX, deposited to my XXXX account and they stopped payment on in error. .Had they left well enough alone, allowed more time, stop payment would not have been necessary. in closing, please advise XXXX/Capital One it would behoove them to resolve this rather than continue to receive complaints.
They are now calling My extended family like aunts and uncles in telling them that I own month they also call my phone about 6 time a day starting around XXXX and stopping around XXXX
Our house burned down, in XX/XX/2017 fires. Mortgage company is not releasing funds, and we may lose our builder, even though house is more then 50 % done. They won't let us talk to a supervisor, and they won't fix the problem. Why do they act this way?
I have been waiting for the following information to roll off of my credit report after 7 years. I just requested on online credit report and it says it is 10 years. Did the rule change? Is there anything I can do about it?     -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score.     Case/Docket #  XXXX  Date Filed  XXXX / XXXX /  XXXX   Court DE  XXXX  CO  XXXX   XXXX  {$620.00} Date Reported Status Lien Class State Comments
Date reported was XX/XX/XXXX. Last reported on XX/XX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.
About month ago, I contacted Capital one on a new account. It sent me to a company called XXXX XXXX XXXX by mistake. I was told that I owed XXXX on a capital one credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of XXXX that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a  bankruptcy court. The account is XXXX. The phone number of the XXXX XXXX XXXX is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another XXXX XXXX XXXX because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX
On XXXX XXXX, 2015 I received a email alert from XXXX, a protection service company available through my local credit union. I went to my XXXX account and fount XXXX alerts. They were XXXX about Capital One bank. XXXX different locations. XXXX in XXXX and the other in XXXX. I called them and found out a on-line credit application had been submitted in my name. This application was approved by Capital One as of XXXX XXXX, 2015. They said there has not been any transactions recorded on the account. I have requested them to cancel the account as I did not fill out any application. They said they have done that as of XXXX EST on XXXX XXXX, 2015. I have filed a fraud alert with XXXX. They will contact the XXXX other credit monitoring company 's. I have a fraud alert number available. I also have contacted XXXX, a service company that has resolution specialist that will monitor the situation for me. I went to the FTC web site and it directed me to this site.
Received contact in regards to a debt that was 9 or 10 years old. Attempting to collect and threatening legal action against me. Stating needed to resolve within 72 hours not giving enough time when I have had no original information on the threat. Not giving reasonable or affordable options. At one point was homeless after getting separated from the military. So is a debt that was many years ago and haven't received any notification in years and just now threatening wage garnishment
THE AUTO WAS REPOSSED ABOUT 8 YEARS AGO, STILL IN MY CREDIT REPORT. THEY REFUSE TO TAKE ACTIONS AND REMOVE THIS FROM MY CREDIT HISTORY.
Staring in XXXX XXXX, I was issued a new Banana Republic XXXX XXXX Card issued by Synchrony Bank as my old card was cancelled due to fraudulent activity. I had been diligently paying the balance on this old card. I was also paying the balance on the new card, but by my mistake, I accidentally sent the payments to the old, cancelled account number, meaning that the bank was getting payments but not applying it to any balance. The bank did not contact me about this error or do anything to rectify it, in effect just keeping the 'free ' payments I was sending them without applying it to any account. The payments I was meaning to apply towards my new card I was mistakenly making towards the old card until XXXX XXXX. The bank was notified by me in XXXX XXXX about these misapplied payments and was told that this would be investigated and the payments would be re-posted to the new account and that this should be resolved in 4 weeks. I waited until XXXX XXXX and the issue was not resolved, and I kept receiving statements from the bank for money that I had already paid. I called the bank again several times and was told that there is an investigation and that it would be resolved in a few weeks. I have called several times again, recently on XXXX XXXX, XXXX and was told the same thing. This issue has caused my credit score to drop significantly as a negative factor was placed on my credit score noting that the card was paid " 60 days late '' although I was paying the bank on time to the old credit card and the bank has done nothing to rectify the issue.
This concerns PayPal. I ordered a 1 year subscription to XXXX magazine {$64.00}. After waiting almost 3 months and not receiving a singe issue, I contacted PayPal to initiate a dispute. They sent me an email that the matter was resolved with the seller. I contacted PayPal that this is an error and that I had not received the magazine. They got back to me within a day telling me I had canceled the dispute and that there was nothing they could do? 
HELP! This is a SCAM! XXXX
I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. 
Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. 
Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. 
In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. 
I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. 
If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.
To whom it my concern, never made any inquiries on my credit. Suntrust bank is on my hard inquiry that I never did. Please look into this cause I did n't look for any loans for anything. Thanks XXXX XXXX.
I sent a check to my credit card company, Wells Fargo, on XXXX XXXX for a bill due on XXXX XXXX. They claim that they did n't receive it until XXXX XXXX and they charged me a late fee of {$15.00} plus interest ( {$5.00} ). I know the mail is sometimes slow but it does n't take over two weeks to get from XXXX to XXXX. I called customer service and they took off the late fee " as a courtesy '' but I still have to pay the interest. This is n't the first time this happened to me.
Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt