WillisBack/dataset-financial-user-claim huggingface dataset:
I need help!

I am a XXXX XXXX, a former roommate XXXX XXXX, XXXX XXXX convinced me to open ( 3 ) bank accounts so she could deposit counterfeit cash and write bad checks against the balances.

I would like my name within your system restored to a good status.

XXXX XXXX was able to assist me. Unfortunately your customer service was unable to help me
XXXX XXXX and Experian, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
I applied for a Citi Best Buy card and was denied credit. I have an XXXX credit score with no derogatory information ever. The reason provided was " Too many inquiries. '' I pulled my credit from XXXX where Citi also said they get their credit and there are only 3 inquiries for the year. 

Upon complaining about this to Citi on XX/XX/XXXX/17, I was called back by a supervisor telling me that underwriting had reviewed my application and confirmed it should be denied for " Too many inquiries. '' I read the 3 inquiries on my application but the supervisor refused to tell me if those were the 3 she saw. She did however admit there were only 3 for the year.
I then asked what the policy is for too many inquires as I find it hard to believe that having 3 credit inquiries for the entire year is a valid reason for denying credit. The supervisor refused to tell me the policy and said it is different for everyone.
I believe that Citi is deliberately denying me credit because I have an A+ score and I pay my promotional accounts on time so they are unable to profit from me. 

The Citibank credit application reference number is : XXXX
Again I making another compaint against Republic Finanace regarding there reporting to the XXXX major credit bureaus. On XX/XX/2017 I was notified that My Republic Finance account was 30 days late for the month of XXXX. A payment was made via telephone on XX/XX/2017 which took approxiamtely three days to withdraw from my account. At that time my account would have only been XXXX days past due. My account payment is due on the XXXX day of the month which means that on XX/XX/2017 I would be considered XXXX days past due. I made a payment in XX/XX/2017 that took approximately that posted on XX/XX/2017 to bring my account current and if I was delinquent at the time it would have reflected on my credit report for the month of XX/XX/2017 as XXXX days past due but I was reported as being current. In previous conversations I was informed by the main office that they report account status at the end of the month, whch clearly states they are disregarding federal reporting rules and regulations when it comes to reporting account information to the FCRA 's. As of XX/XX/2017 my account is XXXX days past due and if I submit a payment before XX/XX/2017 then my account would remain still be in a current status.
I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?
I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.
On XXXX I found out that I was was affected by the Equifax security breach. Equifax demonstrated a blatant lack of security by storing sensitive, personal information on their servers in a plain text file instead of an encrypted file.
Bank of America 's debit card broke and I lost access to my funds so I authorized a transfer of my funds to the Simple account on that day, XX/XX/2018. Bank of America broke the law by delaying my transfer to XX/XX/XXXX despite being required to initiate the transfer immediately after the banking holiday. Bank of America refused to expedite this transfer and refuses to reverse my monthly maintenance fee in atonement for their crime. They lied by claiming the transfer request came through on the 3rd when Treasury regulation simply demands instantaneous responsiveness. BofA has, in offense to the MOVE YOUR MONEY movement, done this to countless customers and should pay heavy penalties.
Chase closed two of my credit cards on XX/XX/2018. I made a payment on each of my credit cards, one payment for one of the credit cards for {$1000.00} and a payment on the other credit card for {$1100.00}. Both of the credit card payments ( {$1000.00} and {$1100.00} ) were made on XX/XX/2018, which would've brought my account current. Chase is engaging in deceptive business practices by closing the accounts the day after I made payments to bring the accounts current. I called customer service on XX/XX/2018, and the agents told me that it was " schedule '' the closing of the accounts but had not been done. I asked them if the accounts were " scheduled '' to be closed why weren't they closed beforeI made the accounts current. In addition, if I made the payments on the accounts on XX/XX/2018, then that should've brought the accounts current and the accounts shouldn't have been closed on XX/XX/2018. I told the customer service agent that I had lost my job and wasn't able to make payments for a short period of time, but that I was trying to get to being back current on my accounts by making payments to bring the account to current again. Chase is engaging in deceptive business practices by closing my accounts the day after I made substantial payments to bring them back to current.
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family in to our 1st Brand new home. Thank you in advance!
I received a letter from a debt collection company by the name of XXXX XXXX XXXX XXXX dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with Resurgent Captial. The letter they sent me clearly violates the FDCPA 807 ( 10 ) " False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''.  The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by XXXX XXXX XXXX under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that  has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, XXXX XXXX XXXX states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. XXXX XXXX XXXX nor XXXX XXXX ( Resurgent Capital ) has ever extended or offered any credit to me.
Although I have submitted 5 payments to my student loan company totaling {$2100.00}, they are only crediting {$500.00} to my account. I emailed the company and was told they did not apply it because I did n't specify where I wanted it to go. I have 2 student loan accounts with them and neither were credited my payments.
My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
There is a neg ative mark showing on my credit report as a collections account with a company called Debt Recovery Solutions.  They show the original creditor as :  XXXX . This debt collection just started showing on my credit report last  XXXX   2016 . I contacted Debt Recovery Solutions and told them I needed verification of what this debt was for because I had no idea what this was all about. They contacted me with in 48 hour s, but all they could tell me was that they verified the debt with  XXXX . I informed them that I needed details as to what the debt was for. I was told I would need to contact  XXXX  to obtain those details. I called  XXXX . After being transferred and retelling the story 3 times, and after being on hold for roughly  30 mi nutes, I was then informed that they had no record of what the debt was for. All they knew was that I owed " for something. '' I told them this was unacceptable. I then proceeded to dispute this with the credit reporting agencies - spelling out for them everything I just wrote here. All of them said the debt was con firmed. I assume that no real investigation occurred and that they just took the word of Debt Recovery So lutions. To this day,  XXXX  can not and has not provided an itemized bill of what I owe. While it is severely damaging m y credit score,  I refuse to just pay out {$870.00} that I do not owe. I do hope this agency can give some assistance to bringing resolution to this matter.
Bullcity Financial Solutions in XXXX, NC continues to report fraudulent transactions to my credit report continuously dropping my credit score. I have disputed this before when I first saw it on my credit in XX/XX/XXXX. It was removed from XXXX and XXXX. I've had thr hardest time getting it removed from XXXX   and have been constantly fighting it bc I've never lived at the address they have on file. Now since then they have reported to my credit again in once on XX/XX/XXXX & on XX/XX/XXXX both on XXXX lowering my score by 6 points and then also to XXXX  on XX/XX/XXXX lowering my score by 33 points. It is also back on my XXXX. They are all showing as new delinquent accounts as if this is new. They have a 1.6 star rating and everyone is having to file complaints bc their credit is being ruined
Received another statement from Mortgage Company that wasn't belong to us. Old account is part of Bankcruptcy recording..
I have been making my payments on time to Roundpoint Mortgage Servicing Corporation since they purchased my loan from XXXX. I made an extra half payment in XXXX. Since XXXX they have not figured out how to apply my payments. They keep sending statements saying I have not paid and keep charging me late fees. I have to keep calling in every month to get this corrected. It also took over six months to change my homeowners insurance with them. I am sure they have reported my " late '' payments to the credit bureaus.
There was no " real choice '' for my issue. I did a VA refinance with Freedom Mortgage earlier this year. I would give you the exact dates but this part of my problem. Six weeks ago I contacted a lady named XXXX XXXX who works for Freedom. She was the only " hard contact '' I had. I had a working email address for her. I found out that as a XXXX veteran, I was entitled to the return of something called a VA Funding fee. I had filed for XXXX in XXXX and was awaiting the disposition of that case. While waiting I had applied for a VA refinance and was subsequently approved and closed on the loan in ( I am guessing ) around XXXX/XX/XX/XXXX. I have since received word that a part of my claim had been adjudicated and am currently at XXXX XXXX XXXX rate. I contacted Ms. XXXX concerning this and asked how to go about applying for this refund. I told Ms. XXXX I never received a copy of my paperwork from Freedom when I did my refi. They subsequently sold the loan to XXXX. My first payment actually was to XXXX, but Freedom Mortgage DID close the refi and it was their loan. She gave me the number of another lady to call about getting the paperwork. I called this person and was assured I would have a copy within the week. Three weeks later and I have received nothing. I started emailing Ms. XXXX about this and she has continuously deflected my questions. She has said I should have a copy of the paperwork ( I DO NOT have a copy or I would not be wasting my time ASKING for a copy ). The last 18 days has been a continuous stream of emails with me asking for the paper work and her giving me excuses why I do not need the paperwork. In order for me to talk to and discuss this with the VA I HAVE to know what I am taking about ( i.e a copy of the paperwork so I can answer their questions ). It seems every time I contact her I get a lame excuse as to why I can't get the copies of the paper work.
I live in XXXX and my minor daughter, XXXX XXXX, goes to XXXX in the summer to visit her father. I received a credit alert from Team Recovery for a collection of {$120.00} for XXXX XXXX XXXX. I was not aware of any debt nor did I take XXXX to this hospital but it appears my insurance was billed for the services. I contacted Team Recovery for more information and spoken to in a harsh and disrespectful tone. Also, the contact information they had for me was incorrect. I thought this may have been a possible scam and proceeded to contact XXXX XXXX XXXX. I was informed there was a balance of {$120.00} for services my daughter received in XX/XX/2017. I do not feel responsible for this payment since XXXX was under her fathers care at the time in a completely different state from where I reside. However, I agreed to pay the balance in full in order to have this information retracted from my Team Recovery and removed from my credit file. XXXX XXXX agreed to this and I provided my contact information for a {$120.00} payment.
My husband and I started a construction loan through XXXX XXXX XXXX. In XX/XX/2016 it moved from a construction loan to a normal home loan. XXXX XXXX XXXX sold it off to Loancare. We were making our monthly payment. I asked on multiple occasions to have our payment date moved from the XXXX to the XXXX or XXXX. They kept telling me that I would have to submit the request via email. I did this on multiple occasions. We ended up getting behind. When I called to make arrangements the first time, they wouldn't let me speak with anyone because they continue to say that I am not on the loan and they can only talk to my husband. ( this is affecting my credit and it has always been a joint loan ) The locked us out of our online account access because they say we are way farther behind then we were. They made an unreasonable payment arrangement and when we request information about our account, they say we have to submit a request through email. I did finally receive a statement of our account from the beginning and if you add up the amount of payments we should have paid versus the money of money we have paid. We have paid them in full. They refuse to work with us, and just keep sending threatening letters telling us we are going to lose our home. We are willing to pay and trying our best to work with them but they are impossible. I have read reviews online and we are not the only people having ridiculous problems with them and I need help. We are never going to be able to buy anything ever again because of the damage they are doing to our credit. Yet they still claim that I have nothing to do with the loan.
Please refer to the previous complaints for reference : XXXX, XXXX and XXXX I agreed to a settlement with the collections agency that Citibank told me was handling my loan ( XXXX XXXX ) after my cosigner 's bankruptcy ended. I received a letter from XXXX XXXX stating that my loan would be satisfied if I payed the amount agreed upon by XX/XX/XXXX. I mailed in a check on XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX with my check that I mailed enclosed. The letter said that the account is no longer active in their office so they could not apply my payment. It said to call if I had any questions, so I called and as soon as I mentioned " student loan '' the agent on the phone said " oh, we were just told to direct your call to the original lender. I do n't know if the contract with them ended or what. '' I called Citibank immediately after and explained the situation. The agent on the phone told me that he could not find any record of my loan in the system and suggested that if it 's on my credit report then I should just dispute it and they will remove it from the report. He explained to me that they sold all of their student loans to other lenders back in XX/XX/XXXX. I explained more and told him I had this exact conversation with them back in XX/XX/XXXX and it was n't until I submitted a complaint on this website that I was told that they were still servicing my loan but it was in collections. And that I was told by XXXX XXXX that Citibank sent out letters to lenders by mistake stating that they transferred loans to them when in fact they did n't ( see previous complaints for more info ). He still claimed that they do not have my loan. I asked him to send that to me in writing and he said he could n't because I do n't have a loan with them. I asked him again to send me a letter stating that I do n't have a loan with them and he again said he ca n't because I do n't have a loan with them. He eventually said he would need to investigate further to see what happened and said he would get back to me by XX/XX/XXXX at the latest. I still have n't heard back. I checked my credit report and this loan is reported on two of the reports as " closed '' " serious delinquency '' " negative '' " transferred '' " deferred '' and I disputed them. 

I 've taken many steps to set this straight with Citibank, but they continue to give me the run around. I have been an excellent borrower to every creditor that I 've been involved with and I do n't deserve this kind of treatment. Citibank is a scam and it seems to me like they are trying to cover something up. PLEASE INVESTIGATE THEM!
In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.
I borrowed {$10000.00} in XXXX from what was known as Sallie Mae, which is now Navient. My payback amount is {$23000.00}. I cant get and understanding how a {$10000.00} loan can turn into {$23000.00}. I completed school in XXXX. Ive been paying on the loan for a currently 4-5 years now. However, every month my credit reports tells me that my fee has increased by {$230.00} at the least. This is an on going issue that I really cant get any answers about.
About six months ago I was considering paying off some small loans and realized a loan from XXXX was included in the above referenced home equity loan payoffs and should be inactive on XX/XX/XXXX I faxed a letter to whom it may concern inquiring about the missing payoff to XXXX. A copy of this fax is included in this email. I have made several attempts to contact someone in regards to this situation at no avail!!! XX/XX/XXXX Per our telephone conversation I am forwarding the information requested by you in hopes we have included what is necessary to re resolve this matter XX/XX/XXXX I took a student loan for our daughter. A receipt is included in this email.I took out a home equity loan. A disbursement was made to pay off this loan of XXXX which XXXX was left Settlement date XXXX. A disbursement was made to pay the loan of XXXX ; XXXX. The foregoing is from settlement statement transactions without seller US department. On XX/XX/XXXX I receive an encrypted message providing payment history.On XX/XX/XXXX they responded saying they had no records of the checks that they send out. Yet they sent me all the paper work but not the copies of the checks. The reason I did not notice was because I had automatic withdrawal I have talk to so many personnel there and nobody could give a direct answer I have copies of all the transaction except copies of checks they said the company out of business so I said why don't you have copies of checks?