WillisBack/dataset-financial-user-claim huggingface dataset:
Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.
i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. 
I would like this company to respond to my inquiry.
The company Called rise. They sent me a pre-approved letter for a personal loan of {$1000.00}. I get these letters all the time. But this time I got one when I really needed the loan and thought I would accept it. Because it would get me caught up on my bills this month. So I went to the web-site created the account. And applied how ever their web site changed my addressed state to Utah. And would n't let me change it. In the end the turned me down because of the Utah state that their website would n't let me change. They ran my credit. Yet again. The back of the letter says " pre-selected means we have reviewed your credit history and have selected you to guarantee an offer not to exceed the amount indicated on your letter. '' My letter they are offering me {$1000.00}.
Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared
XX/XX/XXXX XXXX XXXX - Sold XXXX Bitcoin to CoinBase at a price of {$16000.00} per coin. {$1200.00} - {$18.00} ( fee ) means that {$1200.00} USD was supposed to be deposited into my linked bank account by XX/XX/XXXX. 

XX/XX/XXXX - Opened up support ticket and only received automated response confirming ticket had been made. 

XX/XX/XXXX - Direct messaged CoinBaseSupport on XXXX, explaining my situation and asking for an update on my funds, with no response. 

XX/XX/XXXX - Direct messaged CoinBase Admins on XXXX, who are all verified employees of CoinBase, with no response. 

XX/XX/XXXX - Complaint with CFPB filed.
I contacted Nationwide Doc Prep to get help with my student loans and they gave me false information, wanted my personal information, which I gave them, wanted to be paid up front without the promise of any written details, and told me I qualify for public service loan forgiveness even though I only drill once a month and am not employed full-time in public service. Their number is XXXX. I spoke to XXXX at ext XXXX.
I have disputed the late payments XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
XX/XX/XXXX XXXX XXXX added a inquiry on my account for XXXX .I did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this bank
I am receiving calls at least XXXX times a day/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling.
My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.
I have several creditors who pulled my credit report without my permission. XXXX wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Equifax is asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Equifax, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Equifax. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD BE DELETED ASAP Thanking You
Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.
This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.
Someone opened a credit card with XXXX.This was not my doing account went into collections and now LVNV funding llc is trying to collect this debt. Please remove this debt from my credit report it is effecting me dramatically.
Last 2009 when I was stationed in XXXX for the XXXX XXXX I bought a XXXX through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the Experian, XXXX and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item. During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week.

I asked for this information, which is my right, yet they have failed to provide me with any of the items.

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe. 
2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service. 

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.
I opened a dispute with Experian for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
Equifax never fix an error/inaccurate information that I'm disputing on my credit report account. They keep sending me letters back after my dispute stating its been verified. How was it verified? Who verified it? Do you have a contract in writing with my signature on it? I ask the question all the time, and I never receive a straight answer or any proof back. Equifax is committing a CRIME. They falsified my address disputes and never deleted the address. I have sent them proof of address which was my electric bill. I received my investigation letter back on XX/XX/XXXX and they still didn't delete or verified anything. They would send me a copy of the investigation with deletions. I'll go check my report and there still there ... .never deleted. Then they added a wrong address on my report, which I never ask them to do. I've been disputing my inaccurate addresses, inquires, and accounts XXXX XXXX inaccurate, XXXX XXXX XXXX inaccurate, and XXXX never was 30 days late. I disputed accounts on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and it seems as though nothing is getting done. Under the Fair Credit Reporting Act the credit bureaus must prove that the accounts are mine. They have not proven anything since I've been disputing, and I've been disputing for over 3 months. They are committing a CRIME and I'm going to seek justice. I've tried reaching out to them but nothings getting done.
I ordered the sofa and paid {$590.00} for it at the website of XXXX XXXX on XXXX XXXX, 2015. But the sofa is an unqualified one. I contacted the merchant that the sofa was creaking when I sat against the back by email on XXXX XXXX, 2015. Later a repairer came to fix it but the problem still exists. Then I found some new problems that the XXXX pieces of fabric have n't been stitched together all the line near the wood frame. It is outrageous! XXXX made the sofa perfunctorily.You can see the white polyester fiber filling. I contacted the merchant many times but they did n't care about it and is planning to shirk responsibility. My credit card issuer American Express ca n't protect the cardholder. According to Fair Credit Billing Act, I do not have to pay the money. So the unqualified and defective sofa should be returned and the total amount money {$590.00} need be refunded to me.
I filed in 2013 for a modification of my mortgage loan with Bank of America Home Loans. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from one of BOA 's branches. Thus, I sought help from XXXX and now XXXX, CFPB and XXXX XXXX XXXX XXXX. THE MOST RECENT WAS information SHOWING on the DEED that this LOAN IS INVALID ACCORDING TO THE RESTRICTION IN PLACE. I sent a complaint also on XXXX. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. BOA knowingly deceived me by continuing to send letters stating they needed more time to research the matter. BOA, then sold my loan to XXXX. I notified XXXX of the dispute that was still ongoing with BOA and supplied them with a copy of the certified Lien release from XXXX XXXX XXXX XXXX. In working with XXXX XXXX, XXXX are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against Bank of America for not releasing and invalid loan and making a sale to XXXX while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them ( XXXX XXXX ), which is wire fraud and XXXX for going forth with the sale after I notified them.. See case numbers Cfpb XXXX for Deed restrictions, lien release copy from XXXX and contact information on Director XXXX.
I sent a previous complaint XXXX ; this is in follow up. 
In summary Carrington Mortagage took over my loan from XXXX XXXX   in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00}. XXXX at 11.2 % interest rate. I was in touch with them and completed loan modification papers. My payments are automatically sent from my account. The XXXX payment was sent on XX/XX/XXXX and it was returned to the account on XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XXXX. 
The letter also said my current loan and agreement was still in place. If that this is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It does not make sense to me. And why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt like they were deliberately trying to take my home ; this behavior from them seems to be confirming that. I donot know what else to do. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help.
Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ).  The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.
XXXX  : questioned by the attorney working for the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) abo ut the loan in question ( she should not have had knowledge of it whatsoever )  XXXX  :   XXXX   and held in  XXXX  in  XXXX   XXXX   XXXX  for   XXXX   XXXX   related to this student loan  XXXX  : previously reporte d Sallie Mae for v iolations of their privacy policy and disseminating personal information about my loan to a  3rd  party (  XXXX  attorny  XXXX   XXXX   XXXX  )  XXXX  : was incarcerated in  XXXX   XXXX   XXXX  for  XXXX    XXXX   related to this student loan ; was informed that it had to do with  Sallie Mae wanting to pursue  charges  XXXX / XXXX /  XXXX   : Released cosigner from liability relating to this student loan ( mailed letter to  Salli  e Maw hea dquarters ). Spok e to a Sallie Mae representative on the phone, was told that the loan in question was in default and he gave me two s ettlement options ( neither of which is practicle nor can I afford them )
Incorrect information on my ccredit report. XXXX XXXX is reported as open with a {$33000.00} balance. This information is incorrect. It should be reported as Closed with a balance of zero. It is correctly reported on my XXXX XXXX credit report correctly as closed and XXXX balance. As discharged on my Chapter # XXXX Bankruptcy dated XXXX XXXX, 2015
My loan was serviced by XXXX, they told me to take a partial payment forbearance. They did n't tell me that they would be taking the difference of the balance and adding it to the principal amount. Because of this, my loan which I took out in 1993 for XXXX dollars is now XXXX and climbing..the loan is now being serviced by Navient..the monthly payment would be almost XXXX for 15 years..I have been paying the loan for 22 years..I am a veteran of the XXXX..I am paying based on my income now..I will be paying for at least another 12 years..I 'm not sure how much interest in have paid..but surely I have paid the original XXXX dollars by now ... can anyone help me
A letter was sent to my place of employment, that was a false court document, asking to.garnish my wages.They wanted banking information, and social security number information.They put my job in jeopardy by doing so, on top of the humiliation I had to face at work.
My XX/XX/XXXX statement indicated a minimum payment due on XX/XX/XXXX in the amount of {$30.00}. 

It also indicated a promotional plan expiration date of XX/XX/XXXX with a remaining balance of {$35.00}. 

On XX/XX/XXXX I made a payment of {$30.00}. On XX/XX/XXXX I made a payment of {$36.00}. 

On XX/XX/XXXX I contacted Customer Care to confirm that the amount above the minimum was applied to the promotional balance. I received written confirmation that it would be. However, my XX/XX/XXXX statement reflected otherwise. Subsequently, interest charges were applied. 

I filed a complaint with CFPB. The company responded but did not provide accurate information. CFPB closed the complaint without allowing rebuttal. This complaint includes additional documentation which reflects XXXX   failure to honor promotional terms.
I have a Synchrony Care Credit Card I obtained at a DDS office. I was unsure what balance or credit I had available on my Synchrony card as well as my company provided XXXX card. I mentioned this to the receptionist and was told she could not provide for the XXXX card, but could get the balance available on the Synchrony Care Credit card. She proceeded to call and was given the available balance. Given that, any other card I should call about on my own behalf, would provide information only after I answer multiple pertinent questions to verify my identity. Is this legal??? I was not asked a single question and the party at Synchrony did not ask for my approval for such information to be shared with the DDS office. I called the Synchrony people to question this practice and was told, yes this is information provided to the DDS who is a vendor of services. Any dental, cosmetic service or medical provider, etc. can find out my available credit on this card with no question asked. Can this please be investigated. I will not use this card again if this is valid and/ or legal in any way!
I have  XXXX   XXXX   XXXX  accounts reporting on my   XXXX   XXXX   and Equifax reports.  XXXX  ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY NOT report the account as delinquent or demand that the  amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask   XXXX   XXXX   and Equifax to make these corrections.
A consumer service representative ( CSR ) provided misleading or incorrect information that caused my account to be overdrawing. The information provided by the CSR caused checked to be cashed that caused my account to be overdrawing. This act is and has the potential to effect my government security clearance and potential of losing my job.

USAA has not been helpful and there ( CSR ) caused the problem.
I received a trial plan offer for the XXXX Modification back in XXXX. I completed the required 3 months and am still submitting payments. My dedicated specialist had advised me that the XXXX had been approved and that my final payment would remain the same as my trial {$620.00}. I received an offer through the mail for a XXXX XXXX standard modification agreement, the offer in tails different terms than what I was told over the phone. I spoke to my dedicated loan specialist XXXX XXXX and he specified that the XXXX modification was present in their system. When I contacted Nationstar today, I was told that XXXX XXXX was my dedicated specialist, he was not available to speak so I spoke to someone else, XXXX. I was advised that the XXXX offer was not in their system. I am seeking clarity and hoping to receive the XXXX offer I was advised I was approved for.
Citi stopped sending statements in XXXX 2016. The representative told me they were trying to fix an issue where some people were getting duplicate emails but they accidentally shut off all email statement notifications. I received neither paper nor email statements from XXXX 2016 until I realized now that I have been accumulating late fees and interest. They are refusing to waive the late fees and interest ( have made two attempts so far ), despite admitting it was their mistake. 9 year customer/ never missed a payment or carried balance before this.