WillisBack/dataset-financial-user-claim huggingface dataset:
Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.
I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the three major credit reporting agencies I have written to the Transunion major credit reporting agency an as of this date removal of this XXXX XXXX XXXX has not been removed.
They call every other day from multiple different numbers. They lie about not getting a payment that they sent me a receipt to. They are very rude when we are talking.
XXXX and Bank of America announcing changes to their corporate guidelines aimed at preventing law-abiding Americans from exercising their constitutional rights. that the bank will no longer finance military-style firearms for civilian use. 
I am concerned BofA wont let me use my credit card for firearms or ammo.
Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.
3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : XXXX XXXX XXXX Acct # XXXX {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation. 
XX/XX/XXXX They responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( XXXX XXXX XXXX  ) To date ( XX/XX/XXXX)  The Furnisher has not complied with the FCRA. They have refused to respond to my request for information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXXI filed an identity theft report XX/XX/XXXXI called Experian to resolve and was told there is no way to fax documents. I was told to use their upload site. 
XX/XX/XXXX Attempted upload via experian.comXXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXXI attempted to submit the dispute online at experian.com the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute. 
XX/XX/XXXX I sent a third certified letter to Experian requesting the information be deleted. and including the identity theft report. 
Both Experian and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both Experian and the furnisher are in violation of the FCRA.
On XXXX. I took out a payday loan of {$1000.00} thru Castle Payday. They approved my loan i have paid them a total of {$2800.00}, that is 286.90 % interest. I have been receving calls from a coolection company stating that i will be served with court papers. i feel i dont owe them anything they got {$1800.00} in intrest.
XXXXXXXX XXXX. Billed me for an account i never opened, including landline telephone service, when I don't even have a landline in my home. After many calls to XXXX they admitted they error and said they would fix it. I found a collection on my credit report to Experian, filed a dispute. XXXX is claiming it's valid and remains on my credit report. Again, I have never had nor will ever have any accounts or services with XXXX.
Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full year before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has now responded and admitted to the CFPB of this error in a CFPB response that I filed on XX/XX/XXXX. Ocwen stated that the loan was not corrected to comply with a court ordered reaffirmation agreement until XXXX even though Ocwen began servicing the loan in XX/XX/XXXX Ocwen did not comply with Early Intervention ( 12 CFR 1024.39 ) but only allowed the loan to continue to get further in debt putting the debtor in more of a hardship. In my last CFPB complaint Ocwen stated that the sale of the property was placed on hold in this email : Relationship Manager XXXX To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Dear XXXX, We received the documents attached to your emails on XX/XX/XXXX. 

Our records show that our Research Department is currently reviewing the issue regarding bankruptcy agreement that was violated by XXXX  XXXX XXXX when they were the servicer of the loan. The research will take 10 business days but could take 30 days if additional time is needed for them to provide you with a written response. 

Also, please be advised that the foreclosure sale date on XX/XX/XXXX has been put on hold until the research is completed on the loan. 

This account has been assigned a Relationship Manager as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact Customer Care at ( XXXX ) XXXX to schedule an appointment with the Relationship Manager, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. 

Customer Care is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Saturday XXXX XXXX XXXX XXXX ET this was a deceitful lie. I contacted Ocwen on XX/XX/XXXX to start a open conversation between XXXX XXXX XXXX the previous loan service company and Ocwen to remedy the loan. I discover the sale was not put on hold and the house was sold the next day at auction. Ocwen purchased the property back at the auction for more than what I owed?
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.
In XX/XX/XXXX, I purchased a home. Franklin American Mortgage Company financed the mortgage loan. They disallowed me from utilizing {$15000.00} of XXXX XXXX  XXXX financing, based on a bylaw which deems community secondary financing ineligible. We had received {$10000.00} in the settlement office from the Vacants to Value program which provides funds for first time residents of previously vacant homes. The lender did not allow this money to be used in our deal. We had an active application with the Community Development Block Grant ( CDBG ) Homeownership Assistance Program for {$5000.00} for income-eligible city residents who are first time homebuyers. The bank considered these funds as community second financing because they are structured as forgiveable loans. Such a bylaw counters local efforts for community revitalization and homeownership and is discriminatory against homebuyers in minority populated, low income areas in need of community stabilization. <P/>XX/XX/XXXX: Began working with mortgage broker referred by real estate agent. Informed broker about intention to utilize community funds for financing our purchase. <P/>XX/XX/XXXX : Sent relevant documents to broker for loan approval XX/XX/XXXX : Sent relevant documents to broker for CDBG and Vacants to Value program applications. Applications required lender information. Broker informed me the grant applications would be completed and sent in on Monday, XX/XX/XXXX  Received loan package documents from XXXX XXXX XXXX XXXX XXXX of XXXX, MD ( acting in conjunction with Franklin American Mortgage Company for home financing ). Signed and returned. <P/>XX/XX/XXXX : Informed of conditional loan approval. <P/>XX/XX/XXXX : {$10000.00} issued to me from Vacants to Value Booster Program and sent to settlement office. Documents explain grant structure as 5-yr forgiveable loan. <P/>XX/XX/XXXX : Informed of inability to utilize community seconds for financing based on underwriters bylaws. Broker forwarded me language from the banks guidelines which was provided by email by Franklin American Mortgage Company Senior Account Executive for Maryland. <P/>XX/XX/XXXX : CDBG grant coordinator confirms structure of CDBG financing as a 5-year forgiveable loan. <P/>XX/XX/XXXX : Closing date. No public funds were used in home financing. Check issued by Vacants to Value Program was returned.
I believe WellsFargo has opened an account on my behalf without my autherization. I have copies of all transaction since 2013 and do n't like what I seen. WellsFargo has too many transactions that says " save as you go transfer debit to and as low as {$2.00} & high as {$12.00}. I never authorized it and never signed anything, this is fragulant action and want to be protected and want my hard earned money back.
In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, XXXX XXXX XXXX
reporting account status that is old. 

coastat federal credit union XXXX is still reporting 30 and 60 days late from 6 years ago and account # XXXX is reporting 30/60 days late almost 6 years ago. From what i am told this should be showing the previous 36-48 months max not a late payment i made 6 years ago. XXXX XXXX XXXX reporting lates from 5 and 6 years ago also the following fraudulent inquiries made by my ex wife are still showing XXXX XXXX XXXX XXXX card fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquiries were initiated without my permission. All the accounts look ok that i see thus far, i just want the above corrected and removed.
Out of the blue a month or two ago I started receiving several phone calls per day including calling my place of employment from them. It was non stop calling every day. I called them back and would always end up leaving a message. A couple of time I would be on hold for over 10 mins until I was able to speak with someone. I did speak with XXXX. Soon as I was on the phone with her she immediately said that there was going to be a lawsuit against me for a unpaid debt/sending it to an attorney in my state. Then as we went further into the conversation she asked alot of personal questions as to why I had the debt. It was to the point where I felt very uncomfortable with talking to her. I felt like she wanted my life history and it was just to personal for her to know that information. As I was setting up a payment plan, she wanted my bank account and my debit card information in which I felt was unnessary. They only would take auto payments. But I gave her my bank account information. I also got two letters from them before speaking to them. I do not believe that their business practices/way of collecting debts is professional. It was threatening.
Equifax was the target of a security breach and millions of Americans and their personal information was compromised on XXXX/XXXX/2017. My information was a part of this hack as well, which may or may not include information such as my name, address, social security number, etc.
Equifax, while victim of a hack, did not take adequate measures to protect the information of millions. It is a breach of trust that such an incident could occur. Users have noticed that Equifax used poor methods of protecting said information, or showed easy ways to get around their encryption process.
Deutsche Bank has charged me {$4700.00} in my mortgage escrow for lender-placed insurance when I in fact had insurance during that period through my local agent. As you know, it is illegal for someone to be charged twice for insurance for the same house. I have complained to Deutsche Bank for more than a year about this, but they refuse to do anything to refund the escrow overpayment. Enclosed are documents, one from Deutsche Bank and  one  from my local  XXXX   XXXX  agent, that tell the story.
I have been repeatedly harassed by a company claiming to be XXXX XXXX. I have numerous voicemails and missed calls that start early in the day and last into the evening. I have tried calling and asking them to please send me validation the account/accounts in question only to be placed on hold and then told they could not give me anymore information. I asked for an address so that I can send them a validation letter only to be told they will not give me this information. The number they call from XXXX ( XXXX ) XXXX and give you XXXX and threaten that the matter will be escalated if they do not receive a call back. They have called my mother and harassed her on her phone as well. They are in clear violation of the federal law. I have a lawyer and I am ready to proceed with legal action for this harassing telecommunications.
A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place.
I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!