WillisBack/dataset-financial-user-claim huggingface dataset:
Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX
This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good
My mortgage was sold to Nationstar Mortgage by XXXX. I received notice from XXXX concerning the sale, but never received the information about my loan from Nationstar. After many phone calls, this was straightened out, however Nationstar is not honoring the repayment terms according to my original loan. I have electronic payments automatically sent twice a month with a total that exceeds my payment. Nationstar consistently holds the funds without applying them to my account. They then repeatedly contact me falsely claiming that they have not received any payments.
They called my job even after I told them not to call. I got fired after the 3rd time they called. I talked to someone the day before and she hung up on me. Then they called again today at my job.
A credit report showing I owed them XXXX. I have no knowledge of this account and had it removed from my report 2 times. This is the 5th time since it has been reported. I have no knowledge or responsibility for this account. The service date is XX/XX/2011. I have the account number upon request the company name is commonwealth financial sytems.
I have been a victim of identity theft with multiple accounts and a tax return. I have reached out to this company notifying them of such and have completed their identity theft paperwork but it is still on my credit reports. I have not heard anything back from them in over a month since I sent the paperwork with police report included. This account is negatively affecting me on all three bureaus and the amount keeps changing between XXXX and XXXX something owed for this fraudulent account. I did n't even have a license or a permit when this account is being recorded as being opened.
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.
Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank. 
This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.
Despite contacting Comenity Bank in writing, disputing interest and fees being charged for interest that was not supposed to be charged in the first place - the balance for merchandise was paid in full within the terms of the card - I continue to receive DOZENS of harassing phone calls every week to pay the balance I DO NOT OWE. 

I previously filed a claim - case number : XXXX - which did not result in any resolution.
XXXXXXXX XXXX Credit Card Account # XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Credit card that was closed on XX/XX/XXXX Amount : {$1.00}, XXXX 
This account was closed and is also too old to be on my credit report. 
I have wrote the company and emailed the company and it still has not been removed.
Bank : Golden 1 credit union Card : Visa I was double charged {$150.00} twice by XXXX XXXX on XX/XX/19. I contacted the merchant XXXX XXXX in XXXX, ca and they said they only charged once when my statement shows {$150.00} twice. I contacted golden 1 to dispute the charges and they are refusing to return my {$150.00} back to my account.
I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response.
I signed up for a Sears Store card and rejected the other offers. Approximately one year later I received a Sears Master card in the mail - I did not act on it. I went to the Sears Store to make a purchase/payment and was told I could not use my Sears Store card. I had to find the Sears Master Card in order to call Sears/Citibank. I was told my Store card was switched to a Master card because I did not opt out when the Master card was sent to me. I began using to Master Card thinking it was just a regular card. I recently went to the Store and was offered a new store card which infuriated me because I feel like I was tricked into taking the Master Card that I DID N'T want in the first place. Today XX/XX/2016 I received a call from Citibank asking me to pay more on my card because the XXXX dollars I paid before it was due was not enough ( XXXX. ) I was told that the payments fluctuate based on the amount owed. Now I feel like I have been the target of predatory lending.
On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ TD Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at TD Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I applied for an XXXX XXXX XXXX plan and I received a determination with all the pertinent info including a monthly payment of {$75.00}. It was an email to log on into Navient account website which I did and there I found all the information. I was out of town working at the time so I could n't copy it and get it into my computer to keep a record of it. I never recieved anything further from Navient until this month notifying me I am behind in payments. I went back to my Navient account page and the determination was gone and there was no change of payment, Navient saying I was behind at the rate of almost {$500.00} a month. There is also no record of the XXXX plan. I tried emailing them in response to their behind-in-payment email but they will not accept it. So now I am right back where I began last fall when I applied in the first place.
A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car.
I have a client that is being asked to cross qualify on a property that she is making an offer on. She is a single mother and feels very uncomfortable being asked to send her personal income documentation as well as her credit report to a person that she is unfamiliar with. 
She would like to be able to buy a home that she desires and not feel like she is being steered towards a service that she has not chosen to work with. Especially on that has so much of her personal financial information. Here is the email string requesting the documentation from the borrower. 
She is being asked to do this as a contingency of acceptance of her offer. The property is being listed by XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; here is her email string back to me after I expressed concern. 
Hi XXXX, The buyer is able to do the cross qual, and it wo n't breach the privacy requirements. It was one of the seller counter items, which was not countered out by buyer side. All we need is green light to proceed before we can open escrow. Please let us know ASAP, we will need to advise the Seller. 


Thank you, XXXX XXXX ( AKA : XXXX XXXX XXXX ), REALTOR. 
Team Leader at Team Stites XXXX : XXXX Call or TEXT : XXXX Fax : XXXX Hello In order to complete the cross qualification for this property I would just need the following : XXXX Credit XXXX Anything you think I should need to know : aka using gift funds, started new job, etc Links to my reviews XXXX XXXX XXXX Star Reviews XXXX XXXX ( all XXXX Stars ) " I look forward to building lifetime relationships one closed loan at a time. '' Over {$950000.00} in closing costs given back to the customer in XX/XX/XXXX! 



XXXX XXXX Vice President of Mortgage Lending Named One of the Top XXXX Loan Officers in U.S. 
XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX o : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ID : XXXX XXXX - XXXX BBB Rating - XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I resently had to pay some unnexpe ted legal fees over {$6000.00} i had to miss two payments with i made a small payment one week witch i started tp make small payments so i would not get behind, finally i started getting back on track, my accountant tried to make a payment off {$100.00} they told her that the could not accept a payment of that low amout and that i would personally had to call them, their offices are closed early evening, i got up extra early to contact them oddly enough a tow truck was in front of my house talking my car at XXXX XXXX taking my car, without any notice from them regarding that they would take those acctions. witch was also the day i get paid and was going to make a payment to stay current. it only reason my vehicle was repossessed was because i {$86.00} dollars. Witch they purpoIely they not accepted the XXXX dollar payment that would have taken care of that. And when i called them they told me that nothing could be done unless i paid the late fees, the repossession fees and retaking fees of XXXX plus the two late payments and the XXXX dollars plus the towing fees witch comes to a total of XXXX in 3 weeka
My home is currently up for sale in XXXX. We moved to our new home in XXXX, and discovered someone is using our XXXX address to obtain credit cards from XXXX XXXX, XXXX XXXX and Discover. XXXX and XXXX XXXX denied this person credit ; however, Discover mailed a credit card in the fraudulent name to our mail box. We think this person comes by our vacant home and checks the mailbox for creditor responses. Our USPS was notified of our move ; however, only some of our first class mail is being forwarded. I hope you can provide advice. Thank you very much.
My complaint is against Citi Bank concerning my credit cards ending in XXXX and XXXX. 

On or about XX/XX/XXXX I received a package at my door that I wasnt expecting. It was a lap top computer from a company in XXXX OH, XXXX XXXX XXXX. I called them to ask why and discovered my credit card ending in XXXX from CITI Bank had been hacked ( I still had the card itself ). 

After checking my account on line I found that several purchases from that company had been made. The charges are as follows : ( see attached file XXXX ) XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$510.00} XX/XX/XXXX I paid for all the charges I made to the card {$610.00}, in fact I accidently paid it twice. CITI did refund that duplicate payment. CITI closed that card out and sent me a new card ending in XXXX ( I have never activated this card ). I returned the lap top I received to the shipper and got a credit to my account from them and CITI gave me credit for the others. At this point all is good. 

But Then : Citi put one of the charges from XXXX XXXX back on my account with the explanation that ; they gave me credit and the shipper gave me credit duplicating a credit. But, that never happened. There was no duplication I was charged for four lap tops, fraudulently and credited, three from CITY and one from XXXX XXXX ( See attachment file XXXX ). 

To add insult to injury they accepted a charge to XXXX after it was reported stolen. They have after much hassle credited that. ( see attachment file XXXX ) Currently : There is {$510.00} on my account plus late fees that they refuse to take off. 
I have called about 15 times and talked to numerous people in various departments even being told things like oh I see what has happened we will fix it, " I ll make sure and fix that and call back '', " send you an email '', etc. never got that first call back or email. 

A few weeks ago, at their suggestion, I sent them an email with pages printed off their web site proving my point, never heard a thing from this. I will attach these documents for your review. 

CITI sent me a letter indicating they had contacted all three credit agencies to tell them of the issue but when I checked 27 days after the letter was supposedly sent none of the three agencies had received it. ( attachment file XXXX ) About 2 weeks ago I spoke to a supervisor in Security Dept., XXXX, she was going to fix it and call me back. Never did. She gave me the phone number right to her desk, ( XXXX ) XXXX - XXXX. I have called and left several messages with no call back. ( please try to reach her ) Then my insurance company XXXX put a credit on that card {$27.00}. ( attachment file XXXX ) Bottom line : I owe them nothing they owe me a check for the {$27.00}.
On XX/XX/XXXX {$4700.00} was direct deposited into my checking account. And I have no idea why their payment schedule begins in XX/XX/XXXX. There 's nothing from XX/XX/XXXX when the loan was taken out until the first Payment schedule posted a year later on XX/XX/XXXX. When I go into my online account and try to download my statements it says there are no statements available and that I need to download XXXX XXXX and install it to be able to see the statements. I downloaded it and opened it and a program called XXXX XXXX installed on my hard drive and I can not uninstall it no matter how much I try. The only information given about my loan is when I click the icon that shows a percentage of how much of my loan is paid of the {$5000.00} loan that was taken out on XX/XX/XXXX until XX/XX/XXXX when the installment loan ends. I went over my bank statements and I shows that at one time I paid my loan twice in one month. So all 36 installment payments are up to date and paid in full with my last payment in XX/XX/XXXX of the amount of XXXX and then again on XX/XX/XXXX of XXXX. I ask why was this amount different from my usual XXXX and she said it was interest on late fees. WHAT!!! I just made two payments which the one on XX/XX/XXXXwas not suppose to be withdrawn from my checking account because I had already prescheduled for the last 3 month payments on the last Wednesday of the month. I ask in XX/XX/XXXX to have my payments scheduled to come out on the last Wednesday of the month because it was better and easier to make them at the end of the month instead of the middle.. So my payments were supposed to be scheduled to come out that way but it became a nuisance and got all mixed up because when I talked to customer service they would tell me OK your payment will come out on a certain day and we will note it down for you. But they continued almost every month calling me and saying my payments were late or they would like they did this last payment made in XX/XX/XXXX take it out twice. Once for the middle of a month and then again at the end of the month. So when they tried to get another payment for XX/XX/XXXX which I told them I didnt owe I had to stop payment on them because they did not have my permission to withdrawn money from my checkings account. I tried to remove my bank information that they had on file and they wouldnt let me remove it. So as far as Im concerned they had no right to get in my checking account. So as of XX/XX/XXXX my balance past due is XXXX with interest, plus non-sufficent funds and late fees. In which I have proof that I do not owe.
A QWR was sent to the lender on XXXX/XXXX/16 - To date we have yet to receive a response to our inquiry. The lender has also failed to provide all early intervention options to the client prior to setting a sale date for the FC processes.
XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.
I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.
CitiMortgage said " They would give me a Harp loan if I stop making payments on XXXX loan for a 3 month trial period.
I submitted a credit dispute related to a charge of XXXX on an American express CC ending in XXXX for a charge at XXXX XXXX on XXXX/XXXX/2016. Charge was unauthorized because this reservation was not associated at any time with this specific credit card. The hotel had this CC on file from another transaction and proceeded to bill this CC. I never provided verbal to written approval for this charge. All other transactions at this hotel are associated with a signed agreement. I disputed the credit with AXP. 
The hotel provided AXP with folio information but never a signed agreement related to this charge. AXP made a determination in favor of the hotel on XXXX/XXXX/2016 without having received details from the hotel which it seems to have received on XXXX/XXXX/2016. I am requesting a reversal of these unauthorized charges.
I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, Equifax, XXXX reports. I have not access my credit file since XX/XX/XXXX or XX/XX/XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX