WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with both Citibank XXXX and Citibank NA. 

On XX/XX/XXXX, I initiated an international wire transfer from Citibank XXXX worth XXXX from my personal account, to my Citibank NA account. 

Fees : XXXX ( debited from my bank account in XXXX , NOT THE BALANCE ) Rate : XXXX for XXXX Balance : XXXX Incoming international wire transfer fee : XXXX Expected Balance : XXXX However, the balance credited to my account was {$9900.00}. It seems that an additional fee was levied. I am 100 % sure that Citibank XXXX did not charge any other fees because the balance sent was exactly the figure above. 

I called Citibank XXXX and they indicated that an intermediary bank was used, which, in this case, was Citibank New York. My branch is in California. The charge in this case is {$27.00} from what the customer service representative told me.
Without any prior notice to me whatsoever, my AT & T Universal Credit Card account was closed. The reason was not for any other reason other than lack of use. What is disturbing is that this account has been in place since 1992, and closing an account with such a credit history has an adverse effect on my XXXX. When I called to get it re-established, I was given the normal run around to re-apply, waiting 10 days, etc. etc. Finally I agreed, gave my information to re-apply and was immediately informed by XXXX # XXXX that I was denied due to the card having a joint owner. They are refusing to reopen the card in spite of my XXXX Credit Score, more than adequate income and limited debt. Admittedly, this card is not often used as it is not my primary card. I reserve this card for international travel as the AT & T name is widely recognized. However, as the consumer I am being refused a service that has been in place since 1992. This was not an issue prior to CITI taking over the AT & T Universal account portfolio.
On XXXX XXXX, 2018, I contacted the company in an attempt to resolve a debt. I was told that I would be emailed a offer letter the day before. The one that I received did not match the settlement we discussed. I asked to speak with the manager sending it, whose name was XXXX. He informed me that the amount owed could not be fixed because it was generated by their computer. I informed them that if they could not send me an offer letter with the discussed amount on it then I will opt out of it. I ended up speaking with another XXXX who was the Director, he stated, and he was very disrespectful, condescending, and unprofessional after I informed him that I 'm not sure if someone was lying to me about what was discussed over the phone the day prior to our discussion. He went into a tyrant and started to tell me to be quiet so that he could give me what I wanted and proceeded to engage in combative behavior with me, telling me he will not provide me a receipt for what I paid to them already and to contact my bank. He told me that this was not a Customer Service job. ( I 'm assuming for him to treat me like a human ) I do not believe that this is the job for him and he should be removed from it. After going through speaking with him, I felt disrespected, ashamed that he had me yelling and cursing, robbed out of my money, and disregarded as a human being. I was already angry and I informed him that I was recording the call to maintain for my records and I will sue them if I needed to. I was transferred back to him after attempting to contact their headquarters office to report his abusive behavior, in which he was then more calm. I informed him that I do not trust them with my information after the heated conversation that we had earlier.
Placed money in a investment account pushed by the bank.After five years the value never increased but decreased although markets increased over this time. The bank continued to charge a yearly maintaince fee even with negative returns. The worst decision I have ever made by letting a bank invest my money. Lost time and money thru this deal.
Dear CFPB I have requested from Roundpoint Mortgage Servicing Corporation [ RPMS ] an audit of all credits and debits to include new monies in the amount of {$21000.00} added after the loan modification. I have made this request on several occasions dating as far back as XX/XX/XXXX. RPMS finally replied on XX/XX/XXXX, but RPMS continues to refuse to account for new monies in the amount of {$21000.00} added after the loan modification with XXXX XXXX   was approved. 
I have been in discussions with XXXX XXXX, employee initials XXXX, at XXXX XXXX. XXXX XXXX was the original loan initiator on XX/XX/XXXX and XXXX XXXX   stated that ALL information pertaining to this loan was transferred to RPMS. 

Here is a recap : *Original loan date and amount XX/XX/XXXX {$410000.00} *12 month forbearance period ( XX/XX/XXXX ) with XX/XX/XXXX *Loan modification approved after 12 month period by XXXX XXXX *Loan transferred to RPMS at the end of the forbearance period on XX/XX/XXXX * {$10000.00} paid during forbearance period at $ XXXX/month *Interest paid for XX/XX/XXXX was {$12000.00} *Interest paid for XX/XX/XXXX was {$6300.00} *Loan balance when transferred to RPMS was {$400000.00} *New money in the amount of {$21000.00} added after XX/XX/XXXX *Current Principal balance {$32000.00} ( I have paid off more than 90 % of the principal amount ) Amount in dispute {$21000.00} plus interest Quick math : *The forbearance period was 12 months *One years interest is approximately {$12000.00} ( XX/XX/XXXX ) *The interest paid in XX/XX/XXXX was {$6300.00} *Roughly {$6400.00} in past due interest *Late fees and penalties waived by XXXX XXXX during the forbearance period The attached documents from XXXX XXXX will confirm the quick math and do not show a {$21000.00} in `` delinquent interest ''. 

In the letter dated XX/XX/XXXX, XXXX XXXX XXXX, RPMS SR Vice President, response states it is delinquent interest but refuses to provide a detail audit of this amount in addition to all payments received during the forbearance period. I have been requesting this audit since XX/XX/XXXX. I understand my signature is on the loan modification documents but RPMS still has to give me a detailed audit of the {$21000.00}. I noticed this amount shortly after I signed the loan modification documents and questioned it immediately there of back in XX/XX/XXXX to which I was told it would be corrected. 
Understand that {$21000.00} plus interest is a large amount which a homeowner would not ignore ; much less a questionable practice like this one from a financial institution.

My attempts with RPMS to correct this issue have been in vain. RPMS shows it's arrogance by refusing to provide a detailed audit of these so called " delinquent interest '' and all payments received.

Respectfully,
WHY DID XXXX REPORT {$75.00} TO TRANSUNION WITHOUT MAKING AN EFFORT TO CONTACT ME FIRST?
I had   XXXX   XXXX   in college, from   XXXX   XXXX  - XXXX from   XXXX   XXXX   university, then   XXXX   took over after some other company tried to help me with payments, forbearance etc then another company fedloan, took over I have been making payments to two different programs, my debt was over 80k, I dont understand what to, I was paying this company and then everything stopped in  XXXX , it was forgiveness program, I have been in the education field for over 12 years.then I see my credit score keep going down some I 'm default, I do t understand, when I call the business I 'm getting nothing, I even emailed and tried to go on the page and it no longer exist. I 'm not sure what 's going on but the whole   XXXX   XXXX  ,   XXXX    situation has been handled all wrong. I have ALL THE EMAils and COMMUNICATION with the COMPANY. I have been trying to contact the company since  XXXX - XXXX . Please help me
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have tried on several occasions to rectify this issue with Navient. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with Navient and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
I am a victim of identity theft and there is an unauthorized and fraudulent account listed on my Trans Union credit report that do not belong to me. The following account is fraudulent : XXXX XXXX Bank, XXXX/XXXX/12
Credit cards were issued to someone other than myself illegally and the company is refusing to mark it as fraud and insists on collecting the debt from me that I have no knowledge of
Multiple disputes were initiated through the Equifax online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Equifax has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX is NOT my account 5 ) Medical XXXX is NOT my account 6 ) Medical XXXX is NOT my account 7 ) Medical XXXX is NOT my account 8 ) DOB XXXX is inaccurate The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, consider this a written request for Equifax to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to XXXX. I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to XXXX See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. As these accounts have ruined my credit worthiness, life, liberty and pursuit of happiness.
I sent out a letter to XXXX XXXX XXXX on XX/XX/XXXX about a XXXX cell phone balance, to validate the debt they claim I owe with any formal agreement or contracts or to remove this debt off my credit report. They have been reporting to my credit report for years that I owe {$350.00}. I have NEVER had a XXXX as my phone carrier service. On XX/XX/XXXX I got a letter back from them sending a bill of the amount owed. But again I never had any service with them. And a bill does not validate or truly verified I owed them. They refuse to send any agreement or contracts. And I ask them to stop reporting if they cant send me a contract or some kind of agreement. Someone had to had this cell phone in my name. After research I was told I can file a complaint. I just want this to be remove off my report because it is unfair to have something negatively reporting on your credit that you have no knowledge of.
I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but Experian and XXXX shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account
Negative, This Company and the dealerships are in business to ruin hard working ppl lives. I brought a vehicle for {$16000.00} and I put {$10.00}, XXXX down. Nothing was wrong with my credit. I wanted to pay the whole amount but was convenience by the dealer to go with Whitestone Financial to help with my credit. Which nothing was wrong with my credit. Instead I'm paying close to {$14000.00} in loans for a {$7000.00} balance. How can the government allow these loans to do this to someone, when clearly I did not know my interest goes up daily no I did not read that, at least I did not get the understanding of it. These loans should be in simple form for all reader regardless if they believe we understand what they are reading. Still should not give them the right to make double the money on loans. I was not aware until my sister read the interest rates on one of the pink forms I believe. Dealer also added on extra insurance because he stated Whitestone would not Finance me without it the gap insurance and a gps installed in my vehicle. All lies to make money. I would never recommend Whitestone to anyone. So I'm paying {$24000.00} for a vehicle that wasn't even worth {$10000.00} at the time of purchase.
I have had student loans that first were with Sallie Mae and later moved to Navient. I attended school for the loans with Navient in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I struggled to make payments on this loan due to being a stay at home parent with my spouse in military service. I was only ever offered hardship forbearance as a resolve to the payments. This causing my balance to continue to increase with interest fees. I went back to school in summer XX/XX/XXXX obtaining a student loan from a different lender, XXXX. When I stopped attending school I was contacted by this lender for payment options. They asked multiple questions and even though I now had income I did not previously have they explained that I qualified for a income driven repayment plan. This option would avoid additional cost being added to the balance but I would need to contact them each year to re-certify my qualification. They completed my application which the Department of Education applied to both my loans with XXXX and Navient. This income driven repayment option was never offered even when my family was qualifying for state assistance programs that Navient inquired about while applying for the hardship forbearance. Since starting the income driven repayment I have had to dispute credit reporting by Navient as well in XX/XX/XXXX when rather than decreasing my balance they reported an increase in my balance. This caused my credit score 70 points and when corrected my score only improved 24 points.
I sent my mortgage payment to Bank of AMerica on 
XX/XX/XXXXas of XX/XX/XXXX my payment
had not cleared.........I called Bank of AMerica and they told 
me check must have been lost in the mail.......they told me 
to put a stop on that check and send in a new check........I 
did what Bank of America told me to do.......my new check 
cleared on XX/XX/XXXX........Bank of America also tried to
cash the check I had sent on XX/XX/XXXX (apparently the
check was NOT lost in the mail !!!)..........I had placed a stop
payment on the check that I sent on XX/XX/XXXX so the 
check did not clear........BANK OF AMERICA is CHARGING
me $XXXX because the check I put a stop payment on did not 
clear! ..........I want the $XXXX charge reversed!........When I 
called Bank of America their representative (XXXX) refused to
reverse this charge......PLEASE HELP!!!
OnXX/XX/XXXX I received an email from XXXX  saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... 

After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. 

There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!
I requested a deletion XXXX XXXX record from my credit files due to the statute of limitation for the reporting. it is been 7 years since the first delinquency on this account XX/XX/XXXX. The 120 days delinquency was reported on XX/XX/XXXX. I have a printed record of this. After my request of investigation the Equifax has deleted the initial delinquency history information and entered rejuvenated information so the first delinquency reads as of XX/XX/XXXX now. it is a violation of the FCRA. 1. 2. There are inconsistency in reporting of balance and date of opening of this account is the previous version that I received from Equifax and Rejuvenated report. The date of opening reported early was XX/XX/XXXX. and now they stated it was XX/XX/XXXX. the balance was reported {$850.00} and in the doctored report {$750.00}. I never recognized this account anyway. The Equifax has violated FCRA 3 times. The Equifax has never verified the information i asked to remove, instead they just reintered fouls information the received from the XXXX. They should Delete this unverified information immediately and pay fines for vialating FCRA and my rights.
The above three accounts ( XXXX, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
On XX/XX/18 Experian received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via PACER. I contacted pacer  via email asking how do they verify and they stated, " PACER  does not directly verify federal case information to third parties by phone, fax, or email. Experian also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. Experian has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
On XX/XX/XXXX, I have faxed, the attached letter to ChexSystems in regards to the disputes stated : Dear Sir and Madam : I, XXXX XXXX XXXX have received ChexSystems letter, in conjunction with your assigned reply identification number, XXXX, to my consumer file dated on XX/XX/XXXX. This letter is to inform ChexSystems of my disputed items unlawfully reported onto my consumer identification account number, as listed below : 1. XXXX XXXX XXXX ( I had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 2. XXXX XXXX ( I  had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 3. XXXX   XXXX XXXX, XXXX, Illinois XXXX ( in XX/XX/XXXX, I was denied by this USPS, this lockbox without an explanation ).