WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Brooks Brothers credit card through XXXX account # XXXX. In 2016 Brooks Brothers changed banks to Citibank. Citibank then changed my account number to XXXX without my knowledge. I continues making payments under the old account number to XXXX. XXXX forward my payment to Citibank. but Citibank has refused to give me credit for the payments made. I have provided Citibank with multiply proof of payments but Citibank claims that the documentation is not adequate. The documentation provide came directly from XXXX with photo copies of the front and back of the cancelled check which was endorsed by Citibank. Citibank appears to be incompetent and continue to harass me threatening to make false reports to credit agencies in a effort to force me to double play. Please help
After going to court on XXXX-XXXX-18 to attempt to come to terms with the collection agency (over a $XXXX   medical bill we couldn't afford at the time that bloomed to $XXXX  after the collectors got their hands on it) after months of trying to make good faith payments and being denied every time, the attending attorney (XXXX XXXX XXXX, XXXX  #XXXX) advised us that we have 30 days to contact the collector and establish payment arrangements (he stated they will be amenable now, he even provided us with the owners name, XXXX XXXX). We called and I talked to XXXX, she would not entertain anything less than full payment now, I requested to talk to the owner and she said he won't talk to me and eventually hung up on me. I received a call 1/2 hr. later from her boss, XXXX, and again no negotiations were suitable for him. I explained our situation to him and got the "so what" attitude, pay now! I explained that since I became too frail to work and my wife's sole income is supporting us and paying one lump sum would put us on the street in the middle of winter and he just didn't care. We are already skipping some of my other treatments and cannot afford some of the life saving medications I need. His "so what" attitude again prevailed. Then he mentioned that he had pulled up my wife's payroll and stated he would TAKE 1/3 payments to clear the account in 90 days. I asked him what law prevents him from taking payments? His response; ME! They refused to accept XXXX XXXX. that we could sacrifice groceries and daily essentials and still have a home, nope, not happening, so again, I asked to talk to the owner, and again he too hung up on me.
When I signed up for XXXX XXXX I was under that this was the best career to go into. They did not explain that I would end up paying over XXXX. I did not understand the interest on the balance.
The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX
Navient ( former XXXX XXXX ). Is threatening and ruining my credit score because they are a backwards company. XX/XX/2014 I had made a payment of {$930.00} to make my account up to date. XXXX days later I made another payment for XXXX of the accounts for {$170.00}. Navient is claiming that I still have not paid the XX/XX/XXXX payments and other payments throughout the year. They have sent numerous credit reports stating I 'm this far behind when I'am not. I sent Navient a printed payment history from their website and highlighted each loan payment in a different color for each loan stating when it was paid and the amount. They are still threatening that this is behind calling family members who are not immediate asking for my co-signers. Im trying to resolve this situation and pay my loans but it is impossible to work with this company and they are affecting my future.
Debt collection was opened XX/XX/2016 for the amount of {$140.00}. This account opened without my permission with my personal information. I did dispute on my own and Account is now showing closed. 

I am not responsible for this account and should not have to be effected for the negative impact on my credit report.
My husband and I took out a 15 year Home Equity Loan with CITIbank in XXXX of XXXX for {$55000.00} with a fixed rate of 6.379 % and no closing costs. In discussing the loan with the branch representative, we clearly stated that our intent was to consolidate a few bills. We also made it clear that our intent was to pay off the loan early and part of the plan to do so included doubling the required monthly payments. With that in mind we asked the representative if there were any penalties for paying off the loan early. We were clearly told no, there were no prepayment penalties, however, it was made clear to us that doubling the payment in one month does not change the amount of the monthly payment. In addition to our discussion with the representative, in reviewing the Closing Disclosure it was clearly printed in bold letters in response to a question on the form - " Does the loan have these features? '' - Prepayment Penalty - NO Fast forward to XXXX, XXXX and we contact CITIbank to get the the payoff amount of the loan and we were informed that the payoff amount includes an Early Closure Release Fee in the amount of {$1400.00}. In response to questioning the fee, we were told to refer to page 1 of the Home Equity Loan Note which makes a distinction between a partial prepayment and a full prepayment. It further states that we are subject -- not to a prepayment penalty --, but to a Early Closure Release Fee, if a full prepayment is made during the first 36 months of the loan. 

Based on our intent and purpose in discussing the loan thoroughly with the representative and relying on the disclosure statement, we feel the bank was intentionally deceptive in the discussion and documentation of the terms for the loan. At the end of the day, it is our opinion that the Early Closure Release Fee is the same thing as a Prepayment Penalty. Also, if the bank makes a distinction between partial and full prepayment, that distinction should be made clear in the Closing Disclosure. This practice is clearly and intentionally deceptive.

The Early Closure Release Fee is nothing more than a Prepayment Penalty and/or a way for the bank to, after the agreement, attach closing costs to the loan. 

We made a good faith effort to enter into a fair agreement, but did not read every line of the fine print.
I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX  fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...
I sent a cease and desist letter to the collection agency,  Collection Bureau of America,  asking them to stop all efforts to collect debt on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . However, on  X/X/17   , I got notice that a new collection account was on my credit reports with  XXXX  and   XXXX   and saw that those entries were from this collection agency.
On XXXX XXXX, 2017 my mortgage company informed me that a collection item for IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX  XXXX {$720.00} XXXX XXXX/ XXXX is being reported on all 3  bureaus. I have sent 2 request to the company advising that I had no knowledge of the debt/account prior to it appearing on my credit, I have never lived at addresses associated with this account and I did not receive my right to dispute the validity of this account prior to them reporting it on my credit.i have submitted disputes with the credit bureaus as well
I was unaware that for a {$800.00} loan I would be paying a total of {$6800.00}. That breaks down to 887.8767 % a.p.r. I was not supplied with information at the time of the loan. I had to dig to uncover the facts. They stated that the finance fee was a one time charge, but it turns out to be an ongoing interest charge. It is impossible to reach their customer service department. Please help.
Around XX/XX/XXXX I received a credit alert stating that a company by the name of NCB Management Sercives Inc. added a collection to my credit reports alleging I owe them {$1900.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies multiple times and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by NCB Management Sercives Inc. in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
A written complaint was sent XX/XX/2018 asking the company to VERIFY that the account belonged to me. The company responded on XX/XX/18 advising they didn't own the account and collection efforts would cease. I have recently received the same communication on this account ( which I did not request as the situation was handled previously ) and it has been added back to my credit report under this Agency. I am  requesting that this be removed in accordance to previous responses.
# XXXX Submission XX/XX/XXXX ( Sending this by mail also as was told that they could not be reached by CFPB ) I 'm sending letter in mail to them today XX/XX/XXXX as well as on here. XXXX XXXX XXXX XXXX UPDATE XX/XX/XXXX.. XXXX EST. Since writing below, there has been a discovery, the letter sent to me telling me of sale/assignment of my loan that came one month to late .... The information was not true ... .. it was another named company who had it in New Jersey with a different address and phone number. Except that, the company in New Jersey did n't assign it to this original company until XX/XX/XXXX of which I was not informed. The transfer from XXXX to this company was not legally presented either. It appears finagled and in a clever or dishonest way with names and trusts of confusion. Are you keeping track.
The Banks have not addressed my most significant issues ( not once )!
The Banks REFUSED TO MAKE PAYMENTS! ALL along convincing me all was good while in the middle of Modification. I spent over {$50000.00} on legal fees.
The Bank never possessed the original promissory note at the time the complaint was filed.The affidavit of indebtedness ( or amounts due and owing ) were wrong. The Plaintiff did not negate all properly raised affirmative defenses before the summary judgement.
The Bank did NOT act in good faith and had " unclean hands ''.
The Banks behavior were enough to lead me to believe that they were NOT going to exercise right of default and acceleration. It can be well demonstrated that through describing the modification process I was involved in before the law suit was filed, and what they did to convince me that they were not going to sue me, but settle with me for a modification. ( Which they never did )!
The Banks transferred the loan from one bank to another many times with no resolution and not in the timely way in which it states ( they must ) CLEARLY ON MY LOAN. I was not notified with in the time period under law. Also, on several occasions, they did not send documents to my property address as required.
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I pray for Justice!
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Instead of taking my payments so that my home would be close to now to being free and clear now in my senior years, instead they added those payments on top on the Principle Balance THEM creating a debt twice as big as when I started trying to modify my loan in XX/XX/XXXX to get it paid off! <P/> The responses received from the banks are computerized from one bank to another and neither one of them ( " self admitting '' state that they can not speak for what happened prior ) of that they have any validity. Infact they show inconsistancies. I, however, have the true facts and ALL MY PAPER DOCUMENTS! I have an entire filing cabinet full of proof and I can tell you exactly if I have this or that. I can give names and phone numbers of the loan officer, dates and times, extensions at the very beginning XX/XX/XXXX to today XX/XX/XXXX ).
XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX XXXX XXXX
Applied to XXXX for a no-rewards credit card. Have excellent credit for over XXXX yrs., never been late ever, never missed a payment. XXXX shows my FICO score as XXXX while Equifax shows it as XXXX today, two days ago, XXXX months ago this disparity existed. I check every year all three credit reporting agencies & FICO score but last year I did not pay extra for the FICO except from XXXX. I just did a HELOC refi XXXX months ago & FICO was XXXX ( down then due to from the hard credit pull ). XXXX statement also shows FICO in XXXX usually. Experian shows credit usage low, 19 % debt to income ratio. XXXX used Equifax, which shows a FICO score of XXXX - XXXX points less than Equifax. This disparity in FICO scores is unexplained & I received a higher interest rate for the XXXX credit card due to XXXX using Equifax 's FICO score. I was told by the Equifax rep that mortgage companies use XXXX while credit card companies use Equifax. Why? I think that Equifax is treating my mortgage as a revolving line of credit since what displayed on my screen ( after I had to pay {$19.00} for it ), was " Credit Summary '' line item Mortgage shows " balance '' {$45000.00}, " available credit '' {$150000.00}, " credit limit '' {$190000.00} - this is inaccurate since it is a 15-yr fixed rate mortgage, so there is no available credit or credit limit. I can not think of any other element that would drag down my FICO score so significantly other than this. Equifax CSR told me that its score was not an actual FICO score ; rather, it was a " Risk Score. '' What? When I called back and spoke to someone else, she stated that the XXXX score was indeed a FICO score. There must be an explanation for this enormous disparity and I am chalking it up to underhanded misdealings between credit card issuers and Equifax. Please look into this starting with me. I have screen shots of both XXXX and Equifax 's reports showing my FICO score and will email it to whomever works on my case but do n't wish to post it now.
At the urging of a store clerk at the XXXX XXXX Kohl 's, I opened a Kohl 's charge account in order to save extra money on a purchase. I purchased something in XXXX 2015, but never received any bill. In XXXX XXXX, 2015 Kohls ' called and said I was late with my payment. I immediately payed the bill with them over the phone and asked if there would be any adverse impact on my credit report. They said there would not be, but they apparently reported the overdue balance to the credit bureaus a day or two prior to calling me,
I filed a Bankruptcy in XX/XX/2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
During the refinancing process of negotiation and in order to meet a competitor 's closing cost, Network Funding LP 's mortgage broker agent XXXX XXXX XXXX ( XXXX XXXX XXXX ), promised to reimburse me for the appraisal cost in the amount of {$450.00} ( in addition to discounts ), and promised to send me this check after closing the refinance deal. I accepted the offer from Network Funding LP ( XXXX XXXX XXXX ) company under these terms referenced above, and we proceeded with the refinancing agreement. A few weeks after the refinance closure, I had n't received the check and I had to remind XXXX XXXX about this term of our agreement via email, over and over again and she kept saying she would send the check in the mail. This misleading treatment from XXXX XXXX, back and forth, occurred throughout a XXXX month period and I have yet to receive the {$450.00} check. On her final message dated XXXX, XXXX XXXX made a statement that I should have received the {$450.00} check in escrow ( changing the terms of the refinance negotiations I had accepted along with her three months of emails proclaiming the same ). On XXXX XXXX, 2016, I emailed XXXX XXXX requesting her supervisor 's contact information and she refused to do so. Then on XXXX XXXX, 2016 I emailed Network Funding LP ( XXXX XXXX branch manager ), XXXX XXXX XXXX, regarding XXXX XXXX 's lack of follow-up and the non-submittal of the {$450.00} check, and have yet to receive a single response from Network Funding LP. I find their treatment of my refinance transaction and account as unethical and fraudulent. Please accept this formal complaint and please advise if there is anything you may assist me with, on this matter. Grateful for your time and guidance.
Dicks Sporting Goods credit card, Synchrony bank. Charged a fee for a " optional debt cancellation product '' called " Card Security '' as to which I never willingly participated in.
Unauthorized amounts were drafted from my checking account on XX/XX/XXXX and XX/XX/XXXX both in the amount of {$1000.00} totaling {$2000.00}. The reason it went as long as it did was because I was working away from home. When I realized what was happening I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) by phone on XX/XX/XXXX and complained. I then sent a letter to them on XX/XX/XXXX explaining the situation and what had happened. I got a returned letter that said request denied. Without any approval from me XXXX not only extended the duration of a policy for me but increased the premiums over ten times the previously agreed upon amount.
This is debt I am trying to pay off. the attrnies are XXXX, XXXX, XXXX, XXXX. It is a credit card debt from capital one. The problem is the attournies are no longer taking my payments. for XXXX months now. Last payment was XXXX XXXX. they are saying Capital One took it back over. Capital one is saying they do not have it and they will not except any payment from me either. Neither will take a payment and I am will to pay. I had a similar incident when the account was with XXXX, XXXX. After 3 mos. I ended up get sued. They tried to come after me for full payment of over XXXX back then, but did not have it so they agreed to monthly payments. In XXXX the account was switched to this new law firm. I feel I am being scammed to make a full payment again. I XXXX XXXX XXXX XXXX four years ago. Had XXXX XXXX in XXXX, also before this was taking care of my mother with XXXX XXXX. I can really use an advocate with this issue. Thank you for any help you can provide
This is a complaint from XXXX XXXX against Designed Receivable Solutions for Designed Receivables failure to provide requested information for the debt alleged. Designed Receivable Solutions have been reporting a negative line item on consumers credit report that is unrecognized by consumer. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

On XX/XX/XXXX, consumer submit a CFPB complaint after receiving no response from Designed Receivable Solutions. Designed claimed to have not received the letter in a response to the complaint on XX/XX/XXXX, so a second letter was sent on XX/XX/XXXX. On XX/XX/XXXX, consumer received a letter from Designed claiming to show validity for the debt, but it did not provide the requested documentation, including a chain of title showing ownership for this debt. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
On XX/XX/XXXX, I had paid an account to XXXX XXXX in full and on time. It was in error that I was reported 30 Days late. I was given a letter from XXXX XXXX, the VP of the company stating this. I sent the letter to Experian. Experian will not take the late reporting off of my credit after several attempts to do so.
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
My information was at risk after the data hack of Equifax. I had spent 3 hours on the phone beginning XX/XX/XXXXto freeze my credit. I was hung up on twice, and the third time told I would have to pay them to put an alert on my account for fraud, as well as to freeze it, despite statements made by Equifax that it would be free. At XXXX years old, I have a XXXX credit score, and now, due to their lack of due diligence, my hard work could be completely stolen.