WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have called Citibank for a total of three times with an unresolved issue. My account has been locked. When I called Citibank, they requested a phone verification in order to verify my identity. I provided the home number of my father, an authorized user, which they called and provided a reference number. When I called back with the reference number, the bank further refused to verify my identity and asked for a fax of my ID as well as social security card. I am currently living and working abroad and unable to as well as uncomfortable with faxing sensitive information to the bank which I can verify over the phone.
I was a rental at property XXXX XXXX XXXX XXXX XXXX LA. I was renting from XXXX XXXX XXXX, I became unemployed, and was struggling to pay rent. I contacted XXXX XXXX, which was my contact person with this company. 
I explained that I lost my job, and was unable to pay the rent. Instead of my living in the property until I was evicted, would they be willing to allow me out of the lease. She stated that she would contact the owner. 
She contacted me back stating if I forfeit my deposit and allow agents to show the property, while I was there for my last month which was XX/XX/XXXX, that the would let me out of the lease. I allowed agents to show the property, plus forfeit my deposit and left the house in immaculate condition. 
3 mos, a company listed as LBCC Louisiana Bureau of Credit appear on my credit report, XXXX  and XXXX stating I owe XXXX. I contacted XXXX, and explained the agreement, and was informed to contact XXXX XXXX XXXX, I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and spoke with XXXX, which stated that she would have XXXX, to call me as of today XX/XX/XXXX. I have not heard from anyone. I do not owe this company, I kept our agreement, and now they are trying to get money I do not owe. They also, stated that the house was in immaculate condition. I am not sure as to why this is being reported when our agreement was kept on my behalf. I am not even sure were they came up with the figure of XXXX, since I only had one month left of the lease and the rent was XXXX. No damage to the house.
Within the past couple of years, I have has so many issues with the student loan servicer NELNET. It all began in XXXX XXXX, this was my last semester in school. My parents had already warned me that I needed to make sure that I filed for a deferment or set up a payment plan because the damage that student loans could do to your credit would be life changing. I began being contacted via mail in early XXXX XXXX about my loan payments and I quickly went off the information needed for a deferment. I never received confirmation that I was approved or denied. The lettters stopped and I did n't worry. In XXXX of XXXX, I received a letter informing me that Nelnet was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate set up payments and asked why I had n't received any letters regarding the end of deferment. At the time I was informed by the phone representative that she did not have access to that information but with automatic payment the late-payments would be removed within a year. Since XXXX XXXX, I have been in constant turmoil with Nelnet. I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXX XXXX via an email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation for anyway. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just XXXX it up and deal with the damage toy credit.
I opened an account with American first finance. The account was stated as a 90 day same as cash contract towards my 90 days I received a call from a account representative and we set a payoff date and agreed no other charges would come out of my account until then.  American First Finance  took money out of my account before the payoff date. My  Visa  card which we agreed was going to be used for  a one tim e payment only had money took out of it 3 times 2 times was unauthorized.  XXXX   XXXX  I had a call from the company I asked to speak with a supervisor so that we could try and settle the account. The representative was rude put me on hold for  20  minutes then said there was no supervisor available and she would schedule a call back for  XXXX  the call never came and I never talked to a supervisor. The calls continue to come the reps was loud and argumentative.Due to the fact that I could not speak with a supervisor and the rep was argumentative, I told her to cease all call activity and only communicate with me threw us mail and the calls still come.
I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast.
XXXX XXXX XXXX XXXX  is reporting a debt on my credit file. I was not given the proper protocol. I received no phone calls and, no letter, no notice at all until I checked my credit file. I immediately called and paid it off. However, they are in violation of my 30 day right to dispute for adding this to my credit file without any notice. I mean this collection debt is years old and they never send me anything. When I called them, they had no idea how they didn't send any notices to me.
Navient has been collecting for 10 yrs payments for XXXX loans we received [ all in 2006 ] ... ... the balance of all three loans right now are greater [ each loan ] than what originally was borrowed [ XXXX loan is now XXXX greater!!!!! ] We 've paid XXXX 's of thousands of dollars in the past ten years and show NOTHING for it!!!
I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 ) XXXX  - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
I 'm opening up an complaint with Experian credit reporting agencies due to the fact that they failed to investigate my complaint on my credit report. Reinvestigation Required I have sent Experian documents via Certified mail of proof that i was Not late with XXXX credit card But they refused to investigate My claim after sending Experian Proof that I paid XXXX the Months that they are reporting that I was late. Per the FCRA ( A ) ( B ) ( C ) experian is required by law to investigate my complaint. I have filed complaint with The Minnesota Attorney Generals Office as well about this complaint as Experian has ruin my good name and reporting Negative and false information about me I 'm aware that Reporting agencies are just trying to make money off of consumers like myself reporting false information I will Not allow you to ruin my good name. Experian I 'm going to ask you One LAST AND FINAL time to invesitgate late payments with XXXX account number XXXX I have sent you bank statesments for my proof of payment I asked that you contact All if your sources that you used to verify this and send to me in writting how they verified the late payments You have copies on file at your office as we speak of proof that I paid and I expected you to send me Proof in writting via US MAIL. I 'm full aware of you not even during what the law require you to do so I 'm asking you if you can not provide me what I 'm requesting please have those negative late payments removed from my credit file or I will take full legal action againist your company I 'm fed up with the run around. 
Also I have sent you a copy of a police report on XXXX XXXX you have failed to investigate that which is also aginst the law. you need to follow the law and do what the law require your company to do. Like I said I havew file complaint with Minnesota attorney general office about this as well. next step i will hire my own personal lawyer and sue you for as much as the law req. THIS WILL BE MY FINAL NOTICED TO YOUR COMPANY BEFORE TAKING ACTIONS! 
THANKS XXXX XXXX
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3. XXXX/XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. 
On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. 
Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. 
Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.
I have been disputing this account for 6 months with XXXX XXXX, XXXX, Equifax and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX  and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
We purchase a bed from sleep number and financed the purchase using synchrony bank. The initial purchase was for {$2900.00}. I immediate began making equal payments of {$120.00} which was the balance over 24 months. We soon learned that the payments were applied to someone elses bill and that they charged us late fees. When we called them to rectify the issue, they could not verify my husbands account as they do not have the correct birth date or las t 4 of t he social. We had the account number, billing address date of purchase, they refused to talk to us because they could not verify us. They finally called through to the store and realised there was an imput error. They were to have corrected the issue almost 2 years ago and we have been fighting with them ever since. The last payment was to have been made which it was made on  XXXX . I was able to find out that they continued to charge us late fees and assessed interest so there is still at {$470.00} balance remaining. I again called and they would not talk to me because they claim I am not on the account. They I called with my husband on the phone and they still could not verify the account and would not talk to us. I asked to speak with a supervisor and they placed us on hold for over an hour. I am not willing to make any more payments I have paid for the bed and then some.     I was able to finally speak with someone who stated that the due date on the account has always been the  XXXX  of the month. We purchased the bed on  XXXX / XXXX /  XXXX  . We were told on our paperwork that the first payment would be due on the  XXXX  of each month and I scheduled it as such via our online bank. The {$120.00} has come out for the past 24 months but somehow there is still a balance. They had me on hold for ov er 25 minutes o nly to come back on the line to state that there was nothing that could be done that we should have called in sooner. Yet when we call they will not help us because they have the wrong social and birthdate on the account and can not verify.     Please help.
We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. 
The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. 
We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. 
I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.
I live on social security. I defaulted on loans I took out to pay for my childrens ' college expenses.Since I am in default the Education Dept. is taking $ XXXX monthly from my SS amount. Now a company called fms, a XXXX company has been hounding me for the same debt. How can this happen when I am already paying on this debt?
I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - Discover Bank ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
I submitted a dispute detailing which items I felt were incorrect on my credit report. I then get a letter from Experian stating that my dispute seemed suspicious and that I should call them. I called them and the recording stated they were not taking calls from my area code. I sent them my dispute XXXX days ago and they send me what seems to be a letter disputing the validity of my dispute assertion. They failed to even investigate and give me a reference number for their communique on XXXX XXXX which did n't arrive until XXXX XXXX. I see they have only XXXX days left to investigate my dispute.
I had a checking account with Citizens Bank and on several occasions their overdraft fees caused more overdrafts and higher negative balance. At one point the total negative balance on the account can be broken down to XXXX in fees alone and XXXX in charges. They proceeded to call my ex-wife who has not been on the account for over 3 years and even has a new phone number, but someone they obtained her number and called her informing her of the situation. I then called the bank and explained the problem with doing that and informing them that the balance of XXXX was mostly their fees of XXXX including a monthly maintenance fee. I offered to pay the charges which came to XXXX. At this point the person I spoke to refused and stated if I dont pay the whole balance they would close the account and report me to ACH so I would not be able to obtain another account at other banks.
Real Estate illegal Foreclosure ( s ) : There are illegal Deed of Trust conveyance activities between XXXX XXXX, XXXX, XXXX and Selene Finance leading to the foreclosure sale date ( XX/XX/18 ) of my property. XXXX XXXX, my 3rd party user, submitted ( see attachment ) my " Consumer Complaint Form '' to the Office of the Commissioner of Financial Regulation, Consumer Services Unit, on my behalf. My issue is MUCH MORE worse than the XXXX XXXX {$140.00} million fake account settlement this activity must be stopped is in the billions in restitution, fines, penalties, etc. a class-action lawsuit -- PLEASE HELP PLEASE.
XXXX / XXXX / 17   XXXX   XXXX  I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work ever.
Greetings, Through Select Portfolio Servicing Inc. 's ( " SPS '' ) extortion attempts, since they are complete strangers to the alleged transactions and that there is absolutely no default whatsoever [ see attached affidavit of ex police officer and currently private investigator under penalty of perjury, that all payments on a non existing loan has been received and there is absolutely no default ], and since i : am taking care of my XXXX mother, i : decided to list my property for sale so that the pretender lender SPS and its co parties can not even steal the equity i : have in my property. There has been XXXX offers, the first buyer offered {>= $1,000,000} and i : accepted that offer. Because of SPS 's extortion attempts and illegal conduct, the first buyers backed out of the deal. The new buyers have offered {$75000.00} less, we are in escrow and need to close the escrow in the next few day. SPS has charged me fees and expenses that they are not supposed to, like charging attorney fees of ~ {$70000.00} when that attorney was not even admitted to XXXX XXXX XXXX of California whose name is XXXX XXXX. XXXX of XXXX XXXX firm, see attached pdf file related to attorney woods, pages XXXX. In addition, SPS refuses to verify the amount of the alleged debt under oath. According to XXXX law dictionary, verification means to substantiate or to confirm under oath. All i : have been asking SPS is to verify the amount of this alleged debt under oath so that we can close the escrow and move on with my life. Stated differently, there is nothing stopping SPS to claim that i : owe them {>= $1,000,000} for example. SPS refuses to do that since they know that i : do not owe them anything. i : am therefore respectfully requesting CFPB to demand that SPS to verify the amount of the alleged debt under Oath so that we can close the escrow. SPS and its co parties have significantly damaged me and my family economically by their repeated misconduct and i : am reaching out to CFPB to please assist me and my family to get SPS to verify the amount of the alleged debt so that we can close the escrow.
Booked travel tickets on a Monday thought they were booked. The following Sunday I tried to login thru the airlines no record of them. Called chase they said must have been a computer glitch. Talk to supervisor XXXX was going to added the extra points on since flights have went up.XXXX  asked me to send a pics of what the originally price was. So I went to my browsing history where I thought they were purchased and sent the email to her. XXXX hung up on me after getting all the booking info. Called back to be on hold for a good hour thank XXXX the lady was patience because we got another supervisor name XXXX on the line that hung up before being fully transferred. Waited another 20 mins to get transferred to XXXX who couldn't do anything and told me it was my fault. I ended up talking to a agent in customer service and said they couldn't do anything either even tho is was a computer glitch on there end and that a supervisor gave out bad information. So I ended up canceling both of my credit cards with them. Good luck. If you look at all there reviews not the best credit card to go with anyway. 

The tickets were originally XXXX for two tickets. I had XXXX points was going to use them all and paid the difference of XXXX. 
Now they are XXXX. So I ended up using all my points and then paying the difference of {$370.00} and XXXX Pt.
I have had my credit information with Experian up until XX/XX/17, but some reason they deleted my file and I can not get a reason as to why? I keep calling XXXX to try and get someone on the phone. I enter my social security number, address, but it will not let me speak to anyone. It hangs up on me. Recently I tried to raise my credit limit with XXXX and go declined because my history was not in my report. The other two bureaus have my information, but this one does not. I am providing my three forms of identification to prove my identity
My credit score is XXXX I have a savings/checking account with Bank of America. I 've had an account with them for atleast 20 years!! They offered me an opportunity to apply for a Cash Rewards Visa Card. I was denied. I was given a free copy of my credit report. I 'm attaching my credit report. Nothing is wrong with it, that I can see. 
Bank of America states in the denial letter, ( attached ), that it was denied based on an account written off as uncollectable. Where is that on my file? 
I 'm attaching my credit report and letter from Bank of America as denial. 
I need help! How can I have a credit score of XXXX, which is noted in the letter from bank of america and a clean credit report. 
I get the run around from Bank of America on what 's causing this denial. 
Only 2 people have requested my credit report this year. They are one of the two.

It mentions that possibility for denial, 2 accounts?