WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I called Citi because I was having issues accessing my account the few days before hand. Knowing I had a payment coming up I wanted to make sure I could pay it to not incur any late fees. Upon calling them I was transferred to numerous reps saying that they could not find my account or that it was closed. I was finally able to reach someone who could tell me what was going on. They said that I had filed for bankruptcy and that my cards were closed and the balances sent to collections. I informed them that I did not file bankruptcy and that someone in my family with the same name did. This is verifiable by a search of my social which is different from theirs. Their " Recovery team '' said they would research the matter and get back to me. Its been 6 business and I called again, only to have them tell me it would take 3-5 business days longer. At the time of writing this I currently do n't have access to the two credit cards that I use primarily. More so, I am worried that I will have my credit score affected, debt collectors calling, late fees accrued, and ultimately an uneasiness if I have to make a big purchase.
I have two cards and both cards were closed.
On XX/XX/XXXX, I requested to the company that validation be sent for so called debt or otherwise delete the collectiona from all three credit reports. I never received validation for the accounts in question. 

Both accounts are with the same collection agency for different amounts. The first amount is {$1000.00}. This account was opened with the collection agency on XX/XX/XXXX. 

The second account in which I requested validation was opened on XX/XX/XXXX with this same agency in the amount of {$4800.00}. 

No validation that I owed this debt was presented to me in the 30 day time period.
OnXX/XX/XXXX I called Wells Fargo to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with Wells Fargo. I told her my payment was due and that I was out of work for a month due to a XXXX XXXX XXXX.

XXXX XXXX   then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XX/XX/XXXXregular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXXfor the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance.

My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX  CA. In the month XX/XX/XXXXI received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married.

I have contacted Wells Fargo several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. Wells Fargo has proof of payment plan letter and payments made to them on time per the payment arrangement letter from wells Fargo. I have also contacted XXXX  and XXXX and downloaded proof of the payment arrangement from Wells Fargo and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time.

My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
XXXX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of Citibank N.A. services.
There is NOTHING on my XXXX consumer credit report to dispute ... 

This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of Citibank N.A. 

What XXXX information was used to reduce my credit line??? 

My XXXXX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint. 

After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A. reduced my Home Depot Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./Home Depot consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX  and XXXX XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my XXXX XXXXredit report that substantiates the claim from Citibank N.A.
I applied for a refinance for several investment properties and XXXX XXXX said I was approved after pulling my credit and taking an application. Now they have stopped returning all calls and emails and refuse to give me a copy of my credit report.
I received a line of credit from Bank of America in XXXX they originally solicited me for the loan due to increased equity. Without inspecting, they appraised my home at {$310000.00}. Would have been {$180000.00} only months before. I took the line of credit, intending to finish my remodel, pay off existing debt, and have a financial cushion. Planned to sell the home in XXXX when my son graduated. Real estate bubble burst, I was stuck. Continued to pay interest only, never missed a payment. In XXXX XXXX, contacted by bank, reminded that line of credit becomes conventional loan in XXXX. I said I needed to have help, did not want loan to be more than actual value of house. Directed to a mortgage relief department at bank. Absolutely terrible customer service, numerous times told that they had not received documents that I had sent. Knew that was not correct, because then they would give me info that I had supplied. Finally got a good case manager in XXXX XXXX, learned that the program I was referred to did not address principal reduction, even though that is what I requested. Also learned about the Bank of America Department of Justice settlement, something bank was doing while I was going through wrong process. I have since learned that this pattern of dragging feet and claiming missed payments has been documented at Bank of America. I do not know why I was not included in DOJ settlement. I did receive a notice from Bank of America in XXXX of XXXX congratulating me that the value of my house had increased. The value they gave me was inflated and I am guessing they used that to not include me in the settlement. Even with their inflated appraisal, combined mortgages were greater than appraised value. Key issues : told bank of America in XXXX of XXXX that I needed principal reduction. Was not informed of DOJ settlement, and instead sent into a process that would not help. In that process, experienced Bank of America 's documented malfeasance toward addressing my need. Not until XXXX of XXXX did I get a hint about DOJ settlement, still had to do all research myself. I believe that I should have been included in the settlement. This loan began as line of credit, becomes conventional loan in XXXX XXXX. Payment increases by {$1000.00}. My current income is {$3000.00} per month. Additional info : my daughter and her family now live in the house as I am working out of state. She helps with costs, but no rental agreement. My intention is to return to house in retirement.
Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me.
For years, XXXX automatically deducted my mortgage with no problems. But before Bayview took over, XXXX sent me a statement ( which I confirmed by phone call ) that my payment as of XXXX/XXXX/2015 would be {$610.00} instead of the current {$660.00}. 

Bayview bills me {$660.00} & does n't explain the discrepancy. I 'm inundated with letters repeating the same stuff & incorrect information from the loan counselor. Recenty, I got a letter that my account was transferred to another company & been waiting for details on who to pay for XX/XX/XXXX. 

Yesterday, Bayview sent a loan modification application for which they 've previously said I did n't qualify. 

In XXXX, transactions with the current servicer has me confused, stressed out, & suspicious.
I was denied the option to any sort of repayment plan. I had spoke with Navient multiple times about financial hardship, and the only options I had were pay what they wanted or deference. I have also had issues with payments being processed incorrectly.
Our main complaint is over ( a ) how XXXX company handled a case for which we owed NO DEBT ; and ( b ) how Diversified Consultants Inc is constantly harassing us to pay a debt that we do not owe. 
We signed up for a phone contract, paid a deposit and within a few days we cancelled the contract over the telephone and the CSR advised me to not accept the phone upon delivery. The deposit was refunded to us as the CSR advised. Shortly after this, we received a bill of {$190.00} from XXXX. We called another CSR explained that it was a mistake and that we should disregard the bill. A month later, another inflated bill arrived and we called XXXX again. We were told the same story again by another CSR. We continued to receive at least another inflated bill. In late XXXX we called XXXX for the fifth time and yet another CSR and a project supervisor confirmed that the bill was sent in error and that we did not owe any monies. We received a confirmation email telling us that the handset was returned and that " a credit card refund for the returned device '' would take effect, and also that " the XXXX on the account '' had ended.Handset Order Reference : XXXX. Two weeks later we received a letter from a debt collector DCI informing us that we owed {$190.00}. Given that we have NEVER used this phone, nor accepted it, and that we cancelled the contract as advised by a XXXX CSR, we are being harassed for debt that we never ever owed. We have contacted both XXXX and DCI and were advised that our case was closed with XXXX XXXX and handed over to a debt collector. The fact that this even occurred after our numerous attempts to reach both XXXX and DCI is absolutely appalling. We are complaining against both XXXX and DCI for their false debt collection, poor handling of our case, and constant harassment and stress for something that we should never have had to face. We also have evidence of the credit refund from XXXX indicating that the contract was cancelled in time and never used. And we have an email confirmation from XXXX confirming that the handset has been returned. How is this even possible?
PORTFOLIO RC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to Equifax but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
There is an account that is on my credit report with XXXX XXXX XXXX that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted XXXX XXXX XXXX  and they advise that they have removed me from their files and they have contacted Equifax and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with Equifax and they report that the account is correctly reported on my file. I have filed a complaint with XXXX XXXX XXXX  and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with equifax and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the Equifax breech. 
EQUIFAX AND XXXX XXXX XXXX  SEEM TO HAVE INEFFECTIVE COMMUNICATION.
My son and I were both seen in the emergency room at different times last summer and fall. The hospital did not take our copay of {$75.00} at the time of service. We received bills from the hospital and paid them in XXXX and XXXX of 2016. Those debts were paid directly to the hospital.
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We have been contacted by this agency repeatedly, and I have told them that the debts were already paid. On XXXX XXXX, I faxed them copies of the cancelled checks and referenced the account numbers related to the charges. A representative from the agency had informed me that the letters and phone calls would stop once they received that information. We then received an invoice, dated XXXX XXXX, asking for payment of this charge. I informed them prior to sending the XXXX XXXX fax that further communication from them after I sent the fax would result in my filing a complaint, but they sent the invoice anyway.
I registered for Macy 's Citibank card in XXXX and made the purchase and also paid the due in full in the month of XXXX XXXX but it seems Citibank reported that balance is still due and reported it to my Credit report. I never received any mail or email stating that there is due on my Macy 's citibank card and finally it went to Charge-off. I got to know about this when i applied for a loan in XXXX. Then i called Macy 's for clarification but Macy 's creditcard staff was so rude and told me this account is closed and we do n't know anything about this and gave me debt collectors number and asked me to call them. When i called collection agency they simply said that you have {$250.00} due but we do n't have any other information. Neither Macy 's nor collection agency is telling me anything about these charges even though i have paid the bill in full. It has ruined my credit score. Macy 's staff should be able to tell me about this charge as when it was made and why my bill is not showing as paid. I even got my historical statement from my Bank which clearly shows that i have paid the Macy 's credit card. All i need is the information as why this due is present on my card and why i was not being informed about it until it was sent to collection agency. Any help regarding this would be very much appreciated. I 'm even willing to pay this back ( even i have paid the bill, still ) but i need someone to ensure me that it will be deleted from credit.
On XX/XX/2018 I purchased a used vehicle from XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. The purchase included an extended warranty with XXXX XXXX XXXX XXXX for a term of 24 months or 24,000 miles. On XX/XX/2018 the vehicle started presenting issues ( running hot ) and ceased working, and it was towed to XXXX XXXX. XXXX XXXX was unable to repair the vehicle and it was moved to XXXX XXXX. XXXX XXXX ran diagnostics on the vehicle and discovered the vehicle gaskets were nit working and the motor/engine needed to be replaced. An adjustor from XXXX did visit XXXX XXXX to estimate the damage and XXXX refused to honor the signed contract and pay for repairs on the vehicle.
Experian claims that it has verified the accuracy of the bankruptcy that is reported on my credit report. Experian also claims : " The public record vendor ( s ) responded and  verified that the disputed information was accurate as reported. The results summary for the disputed items was forwarded to you on XX/XX/2017. '' Experian has failed to provide the NAME and CONTACT info of the vendor in the correspondence in its XX/XX/17 correspondence. 

Experian HAS FAILED TO SATISFY the req 's of FCRA. 

Please prosecute Experian to the full extent of the law for its BLATANT attempt to NOT follow the law. 

It is an UTTER DISGRACE at Experian 's UNLAWFUL behavior and that it fails to rectify the matter. 

Thank you, XXXX XXXX, XXXX.
I had a car that I had previously sold that was towed by XXXX XXXX XXXX. I spoke with the company and they informed me that since I had filed out the " Release of Liability '' that the car was no longer mine and that I would not be charged and to ignore the bill that was sent in the mail. I have now received a letter from " Lien Enforcement , Inc that I now owe them money? I have the letter from the DMV showing the release of liability was filled out and processed before the car was towed. I am going to attach this paperwork if the app allows me.
XXXX XXXX hilds the debt on my credit cards. I have been diagnosed with XXXX XXXX and asked if there was a way to consolidate these bills so my credit was not ruined. It has been months and I am very sick. This company continues harassing me at work even after repeated verbal communications to cease. I have been yelled at, verbally attacked iver these bills. Had they helped in the beginning I would not have accrued the interest that has run these bills to a level I am in no position to pay. I firmly believe this hardship was done on purpose as poor business practices and should not be allowed to ruin me financially when I attempted to wirk with them.
I was in a accident and doctor bills and travel started mounting causing extra expense so I started a debt consoldation program but the advance company branch refuses to work with the debt consoliation company telling me they would turn me in to collections refusing to accept any payment from the consolidation company
I have an issue with EXPERIAN. My credit records exceed 20 years and I have never had an issue with a mortgage, a loan or a delinquency, and I keep a very small credit card balance. I never paid late my credit card bills, since all my credit cards are on autopay and get paid in full before the due date. As my credit score at XXXX and other credit agencies are well above 800, my credit score at EXPERIAN has remained fixed at XXXX for years. I checked the records submitted by EXPERIAN and they all show that I always pay on time. I contacted Experian for an explanation, and I was told that they are using a different method of calculating the score than the others. However, when I tried to use EXPERIAN 's score simulator and configured it to simulate that I pay all my credit card bills on time, it updates automatically my credit score to XXXX. Since all the other credit score companies are showing similar numbers, there must be a glitch with EXPERIAN 's system that results in lowering my credit score. Since Experian does not want to do anything about it, I am kindly asking for your help to resolve this issue.
I am getting letters from Enhanced Recovery Company saying I owe {$86000.00} to XXXX. I am now getting phone calls about this. I have never had XXXX and it 's not anywhere in my area.