WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately around XX/XX/XXXX I opened a credit card with XXXX XXXX through XXXX as part of a partnership they had with their memberships. There was no issues or late payments throughout the whole time with the credit card. However, in XX/XX/XXXX being a military family we were XXXX XXXX. So we went ahead and contacted XXXX XXXX and made them aware of our location change. We were told there was no problem we could continue our normal payments while overseas. Later on in XX/XX/XXXX we were informed that they would be no longer part of the XXXX membership and they would be switching over to citi bank and that no further action was required from us. We were informed new cards would be sent out to replace our XXXX XXXX. That was not what happened at all once they switched to citi bank we on multiple occasion explained to them that we never received the credit cards. And that we needed them to continue to make payments online. However they informed us time after time that they could not email them to us XXXX. When we tried to get them sent to family members to send to us. Citi bank never sent them. Prior to these issues i had enrolled for a different citi bank credit card and received that with no problem XXXX. Once we realize we would never get the cards we still needed to make payments and continued to make attempts to call and make payments. But in order to make the payments they required our credit card account information. But when we would ask for it they would tell us that for security reasons they could not give us that information. At this point there was nothing we could do to make a payment every time we attempted they could not take it because they required account information that could not provide due to security reasons. After 6 months they charged off the credit card and the debt collectors called and have made payments through them. Overall Citibank never afforded us the opportunity to make payments. We never received any account information for our new citi bank account and we were forced to be charged off by the bank. Now this whole incident continues to affect my family because of the impact on my credit report. That had nothing to do to negligence or irresponsibility on my behalf. I honestly and truly feel like i was taken advantage of by citi bank.
I recieved a letter stating i owe {$160.00} to Diversified Consultants on behalf of at & t.Im not familiar with this bill nor these companies.
I received a letter dated   XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX  to validate an alleged debt.  XXXX   XXXX  has identified themselves as the original creditor but they are not and the information the creditor provided to validate the debt is invalid. The date on the materials provided for  XXXX  University was dated  XX/XX/XXXX  and I was  XXXX   XXXX   XXXX  at that time. I am not legally responsible for this debt because I was a minor and I could not enter into such legal contracts when I attended  XXXX  University from  XXXX . In addition, there is a note at the bottom of the letter stating waived  XXXX . That is the business that is responsible for this debt.
On XX/XX/2017 my bank issued a paper check in the amount of XXXX to Paypal Credit. This check was received and deposited by XXXX of XX/XX/2017. On XX/XX/XXXX, my account still showed a balance of {$650.00}. I asked about it, and they requested I provide them with check number, date of issue, date of deposit. This information was provided. I have provided this information to them several times, both by email, and by phone. They still have not credited my account for XXXX. The last message I received from them today asked me to provide proof of electronic payment -- when I have already told them a check was mailed. They keep asking for the same information over and over again and wo n't resolve the issue. They have not made any progress, and each representative I speak to seems to be talking about the situation as if it were the first time I 've made the complaint.
I have been making payments on my husband 's rehab. I specifically told them not to call a certain phone number and months later not only did they call it they left a foti on it. Im not happy about this and as a former XXXX XXXX XXXX XXXX i am thinking about going further than this. ICR in XXXX is the company. I have the foto on voicemail.
I am concerned about Citibank 's recent business activities to punish their customers for their lawful business activities with regards to transactions involving firearms production and distribution. Citibank has announced it will no longer do business with companies that do not implement a host of policies promulgated by various gun-control organizations. This amounts to discrimination against people engaged in lawful commerce protected by the Second Amendment.

Although, I have already cancelled my accounts with Citibank, I am still harmed, as are all Americans, by Citibank 's attempt to circumvent the democratic process and impose a radical gun-control agenda by the sheer force of its market share. It is particularly galling considering that Citibank took an enormous bailout from American tax payers not too long ago.
I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Account Name : SPRINGER COLLECTIONAccount Number : XXXXPast Due : $ XXXXFor one I requested a validation of debt and received no response in the appropriate time allowed. As a result I disputed the transaction but springer contested the removal. I do not owe XXXX or springer any money. They forced a charge on my credit card, I disputed and it was proven that this was an erroneous charge.
I started a mortgage application with BOA because they solicited me about possibly reducing my current mortgage rate with them. I am a current mortgage holder with BOA. We went through the entire process and got to the end where we were setting a closing date and they asked me if my home was on the market. I said yes and they said we can not continue. Why did they not ask this at the beginning. They advised me to take the home off the market which I did for 6 months. Then 6 months later, we started again, had the appraisal redone and then they declined me because I had business expenses on my American express and my income could not validate the charges. I have been a XXXX for 16 years and have had my XXXX since XXXX with no late payments. I get reimbursed for business expenses. They declined me again and I put the house back on the market. I voiced a complaint several times and they would not contact until I threatened to make a formal complaint. Then they said we need additional info to process the mortgage and I gave it. Then they said we can not refinance when your home is on the market. take it off the market again for 6 months. This has been a bait and switch since the start and cost me money and time I do n't have. BOA is so unprofessional. Now over a year later my re-fi still has not been done. Not to mention I had to XXXX them every step of the way to get anything done. I think they did not want to give me the lower rate at all. They are happy to trap me in at their higher rate.
On XXXX XXXX, I received a phone call at work with some one stating that I owe a debt. I have received nothing in the mail from this company ( XXXX ). After informing them that I have n't received any thing in writing they stated that they emailed it and it was valid. I Informed them that I require every thing by mail. I have yet to receive a debt collection notice. On XXXX XXXX XXXX called at XXXX XXXX. After informing them of the time, they said it was XXXX in XXXX. After verifying my address, I informed them that I was a legal resident of XXXX and all phone calls need to be in the timezone in which I reside, not where my cell phone number is from. I have yet to receive a letter stating that I owe a debt. They have also failed to provide me with proof that they are a licensed debt collection agency within the state of XXXX. There has been nothing changed on my credit report, and to my knowledge I do n't owe any one.
I have been treated very shabbily by Capital One Sparks Business Cards. I believe that I have been discriminated against based on my XXXX and/or my XXXX surname and as a XXXX XXXX XXXX. On or about XX/XX/2019, I made an on-line application for a Business Sparks Card. On XX/XX/XXXX, I received a correspondence that had the name of my XXXX entered incorrectly. I called back on or about XX/XX/XXXX, and spoke with a Supervisor. She explained that the application could not be accepted because the name wasn't entered correctly. She stayed on the phone while I redid the application. She made sure that the application was correct. She said also said that I would need to resubmit the Certificate of Formation XXXX XXXX XXXX. I faxed it that afternoon and then mailed a hard copy on or before XX/XX/2019. 

I called back to check on the status on or before XX/XX/2019, to check on the application and was told it was too early to check it was sent to the back office and that I would need to call back around XX/XX/XXXX. I waited and called today, and was told that my application was NOT sent to the back yet because the documents were not acceptable. I sent copies of the original sent to me by the Secretary of State of Texas,  which had my name, the name of the company and the business address all on the page. XXXX, who claimed he was a supervisor, said that the paperwork sent on XX/XX/2019, was not acceptable. I am extremely upset. I filed a complaint with the Attorney General of the State of Texas that I believed I was being discriminated against because I was a woman and a small business owner. 

He then said I needed to send the information on the back of the letter ( which I had already faxed and mailed ). He said he would resend it to the back to be evaluated. I called back 2 hours later and was told it was still pending. He said an email was sent by the Supervisor and he would send an email. I again faxed the information at XXXX EST on XX/XX/2019.
I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX  has been close d ( Paid and closed ) and should be removed from my report .  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )
I am very sorry to make another formal complaint against members of the Navient 's collection department but they are quite disrespectful towards me when I make a payment. Consumer service reps including XXXX and XXXX was very disrespectful. XXXX did not understand proper XXXX and talked very disrespectfully towards me. Meanwhile, XXXX seem to have a problem with me on a personal level. However, supervisor XXXX XXXX openly stated that he would go to bat for his employees despite their disrespectful statements because he did not believe they were in the wrong XXXX XXXX was openly trying to gaslight me as woman and trying to talk over me. He openly expressed that he felt that I was problematic for standing up against his disrespectful staff. I felt that dogs respond better to my questions than most of the staff at Navient. Personally, it seems like many people inside of the Navient 's collections department do not want me to make payments towards my loan.
XX/XX/XXXX@XXXX. My old Western Union account was compromised. I had n't used this account since XX/XX/XXXX. Someone stole my information and made several money transfers to XXXX, XXXX XXXX. I spoke to XXXX at Western Union and told her I never made these transactions and she told me not to worry about it, it 's just a spoof. I demanded to be transferred to a supervisor. XXXX ( employee number XXXX ) told me my account had indeed been hacked and my information and my son 's information was used. My name, address, social security number, telephone number, my credit card number, my son 's name XXXX XXXX and his old telephone number XXXX XXXX. Per XXXX, XXXX XXXX used a passport to pick up the money and he has a credit card in my name and transferred money. XXXX would n't send me a fraud email because it 's against Western 's Policy. He provided me with a fraud number. I 'm displeased with Western Union for the simple fact they downplayed their hacking issue. XXXX told me only my Western Union account had been hacked and he would suspend the account. Since then, someone has created XXXX accounts and charged services in my name. All my information has been compromised and people are charging items, applying for credit cards, and sending money/transferring money. This is fraud. I did n't authorize the use of my information, my son 's information, or any transactions.
I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles. Since there is not even a Citibank branch near my house or work, the bonus was a strong factor in applying for the account and outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.
A check for {$960.00}, written by an insurance company I've never heard of, was cashed ( by whom I don't know ), and for some reason the money was withdrawn from my Wells Fargo checking account ( rather than from the insurance company 's account ). I found out about this after getting an email from Wells Fargo to say my account was overdrawn. When I called to find out what was going on, they looked at the check in their system and it was completely clear to them that this was not my check ( it was not written by me nor to me ) and that the funds had been taken from my checking account in error. However, they refused to give me my money back. Wells Fargo opened a " claim '' and said I could wait up to ten days to get my money back. I was on the phone for two hours and they kept repeating that there was nothing they could do. How is it legal for them to take {$960.00} from my checking account by accident and not give it back immediately?
On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my Transunion and XXXX  report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you
Regions bank reported to the credit bureaus that I was 30 days late for a payment of  XXXX  that was due on  XXXX   XXXX . They reported this on  XXXX   XXXX  How is   XXXX   XXXX  considered 30 days late! I was going to make a payment on   XXXX   XXXX   specifically to avoid the delinquent reporting.
There are 3 tax liens showing on my Equifax Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via Equifax website on XX/XX/XXXX and Equifax sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
I filed a separate complaint about XXXX XXXX case number XXXX ). This claim is in conjunction with that but is against Equitable Acceptance. XXXX charged me a loan processing fee to file paperwork with the XXXX that I could have done for free. They took out a loan on my behalf with equitable acceptance. Equitable acceptance is charging me for the " fee '' they paid XXXX.
I received a past due charge on my mortgage from Ditech Financial. I contacted them on Thursday XXXX XXXX. I was told " I received the late fee because my mortgage was paid too far ahead. '' I asked how that was possible and they said it was because they had mis-applied the funds. There have been no missed payments, they withdraw the funds every two week from my checking account. They said they would " waive '' the late fee, but could n't guarantee that this would n't happen again, because the mortgage was paid too far ahead. As of XXXX XXXX, the late fee has not been removed from the account.
On XX/XX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XX/XX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX, Equifax and XXXX. I was told by XXXX that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.
Today, I received an email from a valid western union email id that I have made a money transfer from XXXX to XXXX. All the personal information given in the email is correct like my name, my email id. The postal address which is given in the email is the one where I used to live last year, also the phone number is my previous phone number. However, the credit card given in the email is not mine. So in summary, someone is using my personal information and his/her credit card to make a money transfer. 
I want to add here, that last year when I was living at the postal address mentioned in this email, I made a western union transfer, so what I am suspecting is that the personal information collected at that time is being used now to make this fraudulent transfer. 
Kindly investigate in this issue
I pulled my credit report for all three companies, I 'm in the process of purchasing a home. And I have this collection on my credit that is reporting inaccurately. 
First-I do n't know who this collection company is, i have never received paperwork from them. I tried to call them and I get push back, stating that the account is paid so I do n't need to worry about it. 
Second-it 's reporting differently on two credit reports-On XXXX XXXX, I get the full information regarding the account and on XXXX-I get very little. I do n't even get the company name on XXXX!! I have attach a copy of the collection summary for XXXX XXXX and for XXXX.
I have received XXXX phome calls from ( XXXX ) XXXX in the past two weeks. They only ask to speak to me by name, the XXXX time they had gender mixed up, they ask for my address, date of birth, and other information and refuse to tell me what they are calling about at all until I give them the information. I asked who they are and the first time they declined to tell me anything, just that it is, " A personal matter. '' I googled the number and found it to be " Professional Credit Service '' which was littered with reviews and complaints ranging from scam, to rip off, to incompetent. The XXXX time they called, they told me they were from Professional Credit Service, but woild not give me any more information. I have asked them to stop calling if they are unwilling to tell me what they are calling about without soliciting my personal information. 
I suspect they will continue to call.
XXXX 2017 I contacted National Credit Systems out of Georgia regarding a debt they claim I owe to an apartment complex. I spoke to several people there that used profane language and stated " it does not matter what I do, its not coming off my credit report until I pay '' They also stated they are not required to and do not have to provide me with the original creditors contact information to dispute after asking several people in their office. I have contacted the supposedly creditor using published phone numbers however they have no record of me owing them anything but also mentioned they are maybe the 6th owner in a few years. I also have an email referencing this. The collections company was made aware of this and still refuse to provide the creditors info so I can dispute. The paperwork that was sent to me came from XXXX XXXX XXXX XXXX XXXX XXXX however that 's not what is on my credit report and paperwork shows a XXXX balance however they are still going forth with collection efforts and no contact info for the original creditor. This has caused me not to be able to obtain residency and is forcing me to maintain current residency which I can no longer afford. If this is not resolved soon, I will be forced into a homeless situation.
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB 1XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX