WillisBack/dataset-financial-user-claim huggingface dataset:
My identity was stolen in XX/XX/XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. Citibank is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to XXXX XXXX XXXX XXXX. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from Citibank. This letter was sent in XX/XX/XXXX. On XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX XXXX stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a Citibank statement dated XX/XX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
Received a letter XX/XX/XXXX from United Collection Bureau , Inc concerning collection of a XXXX, XXXX XXXX Consumer Account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting information : name and address of original creditor, copy of the original signed contract , delegation of authority, and a complete account /statement of payments, interest, fees, etc to support the validity of the debt. To date, I have not receive this information, but I have received many calls from this collection agency at home and at my work. My job does not permit to accept this personal calls and these calls may jeopardize my employment.
Items are being removed from my credit report but it is not impacting my score in a positive way. I just had a big thing as a collection item from XXXX removed and transunion decreased my score by XXXX????? XXXX increased the number as it should be. 
There is disparity with their numbers and XXXX by XXXX points and they have the same number of accounts. I try to dispute and their customer service is rude and never listens. When I report to you, i did once before i feel like they take adverse action on my account.This has been going on since I reported them to you. All they have done is decrease my numbers no matter what is removed. 
I need them to just do the right thing and not be mad. its not personal to them it is to me.
I was trying to a person loan and have applied for a pre-qualifed loan which doesn't effect on my credit score. However, " Mariner Finance '' has asked my information without consent and notification to customer.
In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with Barclays. I discovered the theft in XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (   XXXX   ). I immediately contacted   XXXX   XXXX   XXXX   and Barclay and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called Barclays to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the   XXXX   card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX    com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from   XXXX   XXXX   XXXX  . Barclay did not response to my letter, but s ubmitted my case/debt to   XXXX   XXXX   XXXX   XXXX   ( a debt collector ). Now I am getting harassed by  XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not open.
This is something that has to be years old. When I search it comes up as XXXX and I have had XXXX for 4 years and XXXX for almost 2 1/2 years now. This debt has been sold a number of different times and has reported over and over again and I can never get anyone to have a civilized conversation they scream call me names and hang up. XXXX XXXX XXXX XXXX both found it to not to be a valid but XXXX will not remove. This is something that should be illegal how can a company get away with doing this. I have work very hard to keep my credit clean only to have this company report a fake account all in red?? Please help me clear this up I would be forever grateful. This company upon further review apparently does this often ...XXXX shameful!
Bank of America issued a Debt Forgiveness letter in XX/XX/XXXX.  It was effective XX/XX/XXXX.  However, they refuse to show a zero balance and we are unable to achieve there cooperation.  They claim they are "processing".  Well, the letter said nothing about processing.
Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.
Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
My prepaid visa card was compromised and someone used my card to make unauthorized transactions. I called BBVA XXXX to inform them of the problem. I file an dispute and was told that my card would have to be block and a new one be ordered. Well after they block my card, they now tell me that I had went over the limit of card replacement and that they could not send me a card and referred me to go to a local Compass Bank. The problem is I am not near a Compass Bank, and I told them that. They advised me that they will escalate this matter to higher up and see if a card could be ship to me and I should hear back from them in 3 to 5 business days. Well that time has come and go and when I call back, they keep giving me the run around, so I ask to close my account and send me my remainder balance via check, and they said ok. Call back three day later and nothing still happen. They are hold my money XXXX and will not give me any alternative to recover my money. They keep lying and giving me open promises to get me off the phone. I have my VA XXXX and unemployment check deposit to this account, but I do n't have any means of recovering my money.
The bank made an error in charging me an overdraft fee. On XXXX/XXXX/16, I was charged XXXX overdraft fees ( {$36.00} each ). According to my statement, there were only XXXX qualifying transactions that should have resulted in fees. These transactions were conducted on XXXX/XXXX/16 ; the fees hit my account 3 days later. I even made a deposit into my account for {$75.00} without knowing I was going to be charged fees. As a result of the fees hitting my account days later, my account was overdrawn due to the bank not being forthcoming about my balance. I spoke to a teller at the location near me, and was told that there were no fees being charged to my account. Right now, my balance is - {$350.00}, all of which are overdraft fees as a result of the bank not charging me until 3 days later. There needs to be some form of recourse for this ; according to my statement, there was {$140.00} in my account prior to them charging me these fees.
I 'm am submitting a complaint against TCF Bank and their ridiculous overdraft fees that they themselves are controlling. I can not understand how when I write checks at a local supermarket that has daily deposits my bank can hold onto checks until my account draws low enough to that when the check clears I will overdraw. This has happened to me countless times. Last week I was charged an overdraft fee XXXX minutes after using my card, which I had done all day. I went to TCF and asked how this was possible and they told me I did n't have sufficient funds. Then how was I able to use my card all day if I did n't have money in my account? Conveniently, this has led to an additional XXXX overdraw charges at {$37.00} each. I am currently overdrawn by {$78.00} with another charge coming. All stemming from their incorrect charge a week ago. I am seeking for them to replace the {$220.00} in overdraft fees they have caused in the past weeks. I also would like an explanation how XXXX check can clear in 3 days, while another at the same location takes 8 days, and then XXXX other checks that were written 5 days apart can clear on the exact same day? I am fed up with this establishment stealing my money and crushing my life. I 'm trying to raise XXXX children and help my struggling fianc and as it stands now we wo n't be able to afford our rent payment thanks to this big bank.
Portfolio Recovery is attempting to collect debt that I have no knowledge of. Calling at all hours of the day and night, sometimes trying to be deceitful by changing numbers to contact me.
On XXXX XXXX 2017 I accepted payments on VENMO from a friend buying a car. He sent the money in one deposit and I then sent it to a 3rd party in {$900.00} increments. A day later I noticed all charges had been reversed and my venmo account balance is {$2900.00}. In addition to the reversed charges I received an email from VENMO stating my account was frozen do to suspicious activity and that after further investigation it had been deactivated. I still have funds on my account. The customer service rep I spoke to instructed me to have my bank contact VENMO personally but my bank says they have nothing to do w/ the issue at hand. I want my funds released because I heard after 180 days it becomes property of venmo or the government.
Continuation of complaint XXXX that was n't further processed. 

CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. 

Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.
This is a multi-part problem with Citimortgage. XXXX XXXX XXXX XXXX. covered my total XXXX for 9 years, but refused to honor my XXXX policy for vocational rehab, so I lost 75 % income overnight and got into financial trouble. That left me with Soc. Sec. XXXX and Calif. Dept. of Rehab. Calif. has poor enforcement of XXXX insurers, no atty would take a case for 4 years of voc. rehab benefits. I fell behind on my mortgage. Keep Your Home Calif. would not help me because they illegally count XXXX income as net income ( there is no taxation for this income, thus, it should not be reduced for withholdings ). Citimortgage would not allow me to refinance to a lower interest rate ( I was at 6 % and rates dropped to 2 % ). I could not get a loan mod. My XXXX income date fell 2 days after my mortgage pmt so I was always late, accruing $ XXXX/mo late fees. I caught up on the 2 missed payments and begged Citi for a new payment date so I was n't always late, but I never missed a payment. As a compromise, XXXX XXXX, of Citi 's Executive Unit said when I sold my home she would reimburse me the late fees. I sold my home XXXX and no one in the Executive Unit would honor her promise. She no longer works there. After I sold my home ( not a short sale or foreclosure ), I paid off the mortgage in full. I did not file for bankruptcy, nor did they reduce the payoff of the mortgage. I have moved 5 times since I sold my home trying to start a new life and continue on in school ( vocational rehab ). I only found out a couple months ago, Citimortgage reported me to the credit reporting bureaus as a foreclosure. I file the correction, but they refuse to take off the 2 missed payments from 2011. I feel Citi made me pay late fees for my " mistake '' of late payments. I now feel they owe me for their mistake of reporting my total payoff of my mortgage as a foreclosure -- it cost me a bad credit for over a year ( until I discovered it ). They refuse to apologize or discuss honoring XXXX XXXX 's promise as a compromise. This has made it hard to re-start my life. If they can dish out punishment for mistakes, they should also have to pay for theirs. Thank you for listening to my views. ALSO, DO NOT BUY XXXX INSURANCE UNTIL THERE IS ENFORCEMENT BY STATE GOVERNMENTS. CALIF. DEPT . OF INSURANCE REFUSES TO ENFORCE XXXX BENEFITS, LEAVING TAXPAYERS TO PAY AND CAUSING THE XXXX TO LOSE THEIR HOME.
I am preparing to return a leased vehicle financed through Ford Motor Credit ( FMC ). FMC subcontracted AutoVIN to perform a lease end inspection. According to this inspection, I am responsible several repairs totaling {$580.00} that do not fall under " normal wear and tear. '' One of the charges for {$220.00} is to repair a " XXXX inch scratch '' on the front bumper. The picture provided with the inspection, clearly shows that this is not one XXXX inch scratch, but a series of smaller scratches that I should NOT be charged for according to the information provided by FMC. I have called FMC a total of 6 times to try to speak with someone to try to resolve my dispute. Each time I call FMC I am told they will look into it and they will call me back. They never call me back and FMC is clearly just delaying things until I am required to return my lease.
Its pretty simple. My wife and I booked a trip to XXXX place on our Chase Credit card in XXXX for {$180.00}. We had to cancel and XXXX issued a refund to Chase for {$180.00} in XXXX ( we never received ). Between XXXX and XXXX our card number was stolen and Chase issued a new card number. It is now XXXX and Chase refuses to forward the refund from XXXX to our account. I feel like we are caught in Chase red tape because our card number changed.
I am eligible to have my loans reconsolidated through FedLoan.gov in order to enter the public service repayment program. My loan servicer, ACS, has refused for the past six months to provide the Loan Verification Certificate to XXXX that will allow XXXX to proceed with taking over my loans. This is despite weekly requests from XXXX and biweekly contact by me via email and phone.
Citizens Bank is closing my account, which I have kept in excellent standing, because they found I invest in XXXX. I have a business account, which generates plenty of fees for them, especially wires. I send frequent wires to XXXX in new york to buy XXXX, which I invest in short-term. I buy it low, and then sell it higher than what I bought it for. I am registered with fincen and comply with all regulations for the state of Ohio and the USA. I have an anti money laundering policy and it is strictly enforced. I have a XXXX company as well that uses the same account. 

What happened was I had asked if I could deposit cash into the atm late at night and the tellers said there should n't be a problem with even large amounts. So I deposited maybe XXXX to XXXX XXXX via the atm a few nights in a row, all at the same branch that I always use, and only I was doing the depositing. This triggered some kind of review on my account whereupon they saw that I wired to XXXX XXXX XXXX, XXXX which only sells XXXX and XXXX. Upon seeing that they decided without doing any other research, to close my business account, and my personal account too! I never even used my personal account for XXXX or anything. Also when it came time to sell my XXXX, I was very careful with this account. I gave out the information to no one. Only I or my employees deposited into this account. We only accepted cash, money orders, and some checks. We tried to positively ID all our buyers for the XXXX and maintained an XXXX log. We even filed a SAR on a suspicious person. We maintain a relationship with local and federal law enforcement as well. 

They gave me ZERO days to find a new bank. They deactivated my atm/debit card immediately. They want me to get my funds immediately. Most other banks give you XXXX three weeks to find another account. 

I have had numerous banks close my accounts for investing in XXXX. There hardly any banks left for me to go to now. This is totally unacceptable, to be discriminated against for investing in XXXX. These banks should work with investors in XXXX and coach them on how they should treat their accounts instead of simply closing them and suspending all services without giving the customer any time to move. 

And to close my personal account which was n't even used is also totally unacceptable. 

This is for my accounts ending in XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I made a payment to the creditor, ( Citi Bank ) after being informed by a customer service agent that my account would remain in good-standing by doing so. I went into the branch as instructed and a few days later I found out that they closed my account. Now, on my credit report it states, closed by creditor " charge-off ''. In conclusion, I 've also being charged almost {$600.00} in additional fees even though my account was wrongfully closed and it 's being reported as late every month!
I have had a very difficult time dealing with XXXX ( subserviced by Loancare ). My account has always been current ( no missed payments ). First, they transferred my servicing to Loancare and didn't make it clear when/if my autodraft would commence. Apparently it would not commence in time for the XX/XX/XXXX due date and so I wasn't aware my XX/XX/XXXX payment did not go through as a result. I went to the website, which was down and inaccessible. I called their customer service to make a one-time payment and set up autodraft. Then, when the website was back up, I was unable to find a record of the one-time payment. So I initiated a one-time payment myself on XX/XX/XXXX. Then, a few days later, my one-time payment and another one-time payment went through, effectively causing my account to be drafted for two payments at once. At this point, I want to have my autodraft suspend the XX/XX/XXXX payment since I am paid through to XX/XX/XXXX. However, the website is telling me that I can not access the autodraft information online. Just a week ago, I was able to. I do not have time to keep calling Loancare/XXXX to fix problems due to their sloppy website and communication with borrowers.
XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. 
Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. 
My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. 
How can Penny Mac deviate from the government rules of a VA guaranteed loan?
I placed a custom order with the company Excel XXXX billed on XXXX/XXXX/16 for {$260.00}. I received the items ( pins ) and they were darker than desired. I reached out to the company for a replacement/refund. I have an email/document signed from the company saying that a replacement would be sent. I opened a case with Capital One credit card to dispute the charge case XXXX. Excel XXXX sent documentation showing that I approved the order but failing to include the documentation where they agreed to process and send a replacement order.
Hello, I sent in a check to Navient to pay off one of the my loans in full. I included a letter with the check and indicated on the check which loan the monies should be applied to. Navient did not apply the monies to the correct loan. The loan does not show it is paid in full. Instead they arbitrarily spread the monies through all ( XXXX ) loans.