WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response.
back in XXXX i found a fraud account on my credit report and i called the company let them know this account was fraud i also sent over my police and ftc affdavit regarding this fraud account this company placed this account back on my credit report without no notification and they also put that is was charge off as of XXXX/XXXX/XXXX and thats a complete lie.
I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items are as follows : ACCOUNTS XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.
We bought our house in XXXX XXXX. Our loan was with Freedom Mortgage. They offered us a lower interest rate, we closed with the new loan in XXXX. The did n't calculate the escrow correctly from one loan to the other. But, we had XXXX in our escrow account before the refinance. Now, they have tacked on extra escrow to XXXX because we did n't have enough in our escrow account to cover taxes and insurance. I thought that either they had to roll the XXXX over, or we were supposed to receive a check within 30 days. It did n't roll over and we did n't receive a check. We have reached out to them several times, phone calls and emails. One person said that they used the money to pay unpaid principal for XXXX XXXX payment?? The gentleman that told us that said he would have a supervisor contact us within 25 hours ( that would have been Saturday ) have n't heard a word. First contact was Friday XXXX XXXX, XXXX. We are very frustrated, because now we are expected to pay an additional XXXX a month, when we paid the money in XXXX. We should n't have to pay for their mistakes!
We bought a sofa and chair with their protection policy XX/XX/XXXX at JC Penneys and put it on my Penney 's credit card since it was three years interest free. We then order a recliner from them to match XX/XX/XXXX and was told it was one year interest free. I was concerned and the saleslady said they applied your payment to the first promotional balance first. This summer we noticed that our bill, which I had been making online payments to get rid of was almost right back where it began. I called and they explained that the chair had acrued interest because it was n't paid off by XX/XX/XXXX. We called and messaged JC Penneys trying to resolve the issue and then noticed even when we were making monthly payments they were charging late fees. For example, I paid two payments for XX/XX/XXXX to avoid any fees, etc. I noticed that we received a late fee and interest today. I called and the lady explained that I paid too soon but saw I made two payments for more than the minimun so she reversed both the interest and late fee. I then told her I noticed that this issue on past bills. She was going to open a case to see if they could look into the promotional balance issue. I have been going around and around with J C Penneys. So our furniture will now cost us more than double. Can you tell us if there is anything we can do to resolve this? Any help would be appreciated. Thank you for your time.
I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.
I had credit insurance which negotiated and paid the original account but a collection company refuses to remove the information from my Credit Report and the original account is very old but it still shows it as open and a only 2 years old.
I have been out of the United States for a long time and have come back to a disaster. My credit report shows a credit card with Capital One bank was opened in my name and thoroughly used when i was not even in the country. The bank swears it is my card but it is not the case. For one my name is XXXX XXXX not XXXX XXXX my checking account, driver license, and everything I have has XXXX XXXX while the fraudulent credit card has a different name. The addresses are also incorrect. I am not a US citizen and am a permanent resident. Please fix this problem as capital one is disinterested in assisting me as well as it is hurting my credit score.
I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.
XXXX says they represent XXXX XXXX XXXX for bill collection. XXXX says their bill has XXXX balance. If your client has XXXX balance since XX/XX/17 and XXXX insists they are representing client, why are they pursuing me?
According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
I have credit card from XXXX XXXX that was issued by XXXX XXXX bank. In XXXX XXXX, i got a call from XXXX XXXX that i was late on payment. I told them, i have n't received account statement via email for which i subscribed. I provided the document evidence and paid of the balance in full. XXXX XXXX account was reported as late payment on XXXX credit bureaus. I called XXXX XXXX and they promised to send the " Pays as agreed '' status to the XXXX credit bureaus. The status of XXXX XXXX account was updated to " Pays as Agreed '' on XXXX XXXX XXXX on all XXXX credit bureaus. XXXX and XXXX has removed XXXX XXXX from negative accounts. My credit score is being reported correctly. However, Equifax did n't remove XXXX XXXX account from negative accounts even though the status was updated to " Pays as Agreed ''. I filed a dispute with Equifax on XXXX/XXXX/XXXX to remove XXXX XXXX from negative accounts category. The online status shows as pending on the dispute as of XXXX/XXXX/XXXX. I called the Equifax consumer support. They were saying they ca n't remove the account from negative accounts. It is frustrating why Equifax is denying to remove the account from negative account list even when XXXX XXXX reported the corrected status of " Pays as Agreed '' on XXXX/XXXX/XXXX
calling and hanging up calling no less than 3 times a day up to 6 times calling after they have been informed of a date i plan to pay the debt. 
i paid a debt off on XXXX XXXX the last payment being XXXX they insist i missed the XXXX paymemt in XXXX of 2014. 
also calling.multiple times back to back
Equifax has listed a lien in my credit report- The IRS filled a lien in 2009 tax year but the lien was filled incorrectly - The IRS made a mistake. This lien as stay in my credit report for the last 6 years - It has affected my ability to get credit - I have been denied credit from XXXX due to this errors - - Please see documentation attached.
I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were  placed by a debt collection company, XXXX XXXX XXXX. After numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because XXXX XXXX XXXX didn't care enough about this tiny debt to respond in a timely and conscientious manner.
I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note! 

I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
XXXX falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full. 

I had leased a motorcycle with XXXX. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that ca n't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I did n't understand how there was any confusion with the account. I had provided XXXX with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that XXXX had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted XXXX and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, XXXX reported my status back to derogatory/in collections. My experience with XXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.
To Whom May Concern : Early Spring XX/XX/XXXX my employer XXXX told me that I was going through a back ground investigation, work they told me that I need to work on cleaning up my credit. When I return from the military XX/XX/XXXX, I came back from XXXX at the hight of the economic bubble overwhelm in depth. I was evicted from a family own home and did not have enough funds amount to pay my bill. I called XXXX on XX/XX/XXXX and talked to XXXX at XXXX, well she informed me that the depth XXXX dollar a XXXX was issued by the IRS and to your company that satisfied the depth with your company but infect your company is going to report 120 day late when the depth was handle. 

This was report two months ago as a 120 day late/or like I was paying on the depth and just quit this year, when infect this reporting will still hurt my score an was incorrect, my score dropped " XXXX '' points for a depth that was handle years ago. A XXXX was issued for the this account and I will take care of the depth with the Federal Government. 

I would like to just move on with my life then having a billion dollar company report incorrectly on a XXXX war veteran. 



XXXX, XXXX XXXX, CA XXXX WFA # XXXX
I was court ordered to get my ex-husband 's name off of the mortgage loan. I had already thought his name was off and had contacted Citimortgage about this. After being redirected to many people, a specialist assured me that my ex-husband 's name was off the mortgage loan. A week later when I received the court order, I contacted Citimortgage again. This time a different person figured out that he was off the deed of the house from when we did a Quick Claim Deed a few years ago, but his name was still on the loan. After trying to refinance at 2 different times and getting denied, I contacted Citimortgage Inc. to obtain paperwork for a release of liability claim. This was stated on the court paperwork. Otherwise, I would not have known about doing a release of liability. On XX/XX/XXXX, I received the paperwork which was just like applying for a refinance of a loan. It was long and tedious for a person to do by myself. I had to pay a {$900.00} fee in order for underwriters to take a look at the paperwork. They said this fee was non-refundable. On XX/XX/XXXX, I was notified of a denial of the release of liability.