WillisBack/dataset-financial-user-claim huggingface dataset:
I called Citi to understand how merchant reversals work. I was told once the reversal is credited to my account, I can get a refund check or direct deposit to my bank account. One time when I called to check to see if the reversal happened, it was suggested by a representative to sign up online to see when the reversal hits so I do n't have to keep calling in. This call happened XXXX/XXXX/XXXX. I sign up online, I see the reversal. I immediately call Citi to get my check. I 'm told by XXXX that I ca n't get the full reversal amount only the difference between my balance and the reversal. I ask for a manager because at no time before did any representative say I have to pay my balance before getting my check. Now, my bill is due on XXXX/XXXX/XXXX. I made an online payment on XXXX/XXXX/XXXX so I do not have an outstanding bill. Why does Citi make the decision to pay off my balance when I 'm not in default or behind, late or in collections for over 9 years. I explained to the first representative before I told the merchant to do a reversal that I owe people money and that I needed to know how to get the money off the credit card. Again, not one time did the first or any other representative I spoke with tell me that Citi will take a portion of the reversal. Otherwise, I would have tried to get a check from the merchant. I was misinformed multiple times. I talked to the social media representative and she promised me I would get my whole amount and when the check came it was for {$2000.00}, not {$2300.00}. Upon receiving my short refund check on XXXX/XXXX/XXXX, I called to close my account because Citi has made me go into my account to refund these people. I 'm told I can use my thank you points within 60 days. I go to the website and my account has already been deactivated. I have a screenshot if needed. Citi again misinformed me. As a Citi preferred customer for over 9 years, I should get better service than this. Does mean if my bill was {$5000.00} and I got a the reversal they would have kept all of it even though a current payment has been made? The representatives I spoke with are, XXXX Account manager, XXXX, Social media rep, XXXX, XXXX. I spoke with XXXX, XXXX and XXXX all on XXXX/XXXX/XXXX.
I keep receiving phone calls from Citi Bank out of XXXX XXXX, MO phone number XXXX. The calls are for an individual named XXXX XXXX and that is not me or my name. I have had my phone number for 19 years. I have no association with XXXX XXXX. They will not remove my number from their call list. They have recently called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX,XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. After the first 2 days of telling them they have the wrong number and to remove my number from their call list. I starting ignoring the calls.
A violation of fair debt collection practices Act of an alleged debt owe. Portfolio Recovery Association XXXX XXXX XXXX. Had a judgement for the total amount of XXXX. And took money from Michigan tax return for the amount of {$470.00} for the tax return of XXXX. 
Then on XX/XX/XXXX took money from a XXXX bank  account in the amount of {$570.00} As well as of XX/XX/XXXX cashed a {$2000.00} money order. 
As well as took money from a XXXX bank account XX/XX/XXXX in the amount of {$670.00}. XXXX Also took {$41.00} from XXXX bank account Exceeding the amount of {$2700.00} This business practice is unlawful and unethical
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX  /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.
Have n't heard anything from them to make payment arragements or anything.I would like to work out something to have it taken off my credit.
According to Equifax, my information was compromised in the latest security breech. I know must worry about identify theft forever.
I pulled my credit recently and found these inquires and none of them are authorized by me. I sent letters to all XXXX credit bureaus asking them to be deleted and nothing has been done. 

1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX
Yesterday I received my credit card bill for last month and saw XXXX charges for completing and submitting my Federal income tax. While I have some problem with the deception XXXX XXXX used to have me pay to complete my taxes this year, after using them free for many years, I have no problem with using my Discover card to pay my taxes. First, XXXX has always used terms like " Easy, Fast, Free '' in promoting their service. This year they added charges, which I was n't aware of until well into the completion process. My real outrage comes in the third charge : paying a XXXX % " Convenience Fee '' to pay my taxes by credit card, through a third party in XXXX I might add. I do n't pay to use a credit card normally, and I was n't aware that such a charge would be forthcoming. 
I would think the Federal government would be happy to accept credit card payments to avoid bounced checks and receive faster payments. They should probably be happy to pay a " Convenience Fee '' for such a benefit. Please look into this. Thank you. P.S. I do n't intend to ever use XXXX again, and I will certainly never pay a " Convenience Fee '' again.
I requested validation of the debt from Sim Agency Inc on XXXX/XXXX/2016. Collector has not responded with any information regarding validity of thisdebt. I do not believe this debit is mint. Account # XXXX & XXXX.
My husband died 2 yrs. ago after an XXXX. He had medical bills still owing when he died. After the XXXX XXXX XXXX XXXX XXXX reviewed his personal estate, it was found deficient in funds to pay his medical bills. A collection agency, XXXX XXXX, XXXX began contacting me about several bills, of which the bill for {$280.00} was just XXXX of several bills that they attempted to collect. I had hired an attorney, XXXX XXXX ( now XXXX XXXX ), to contact XXXX about several larger bills. Apparently the bill for {$280.00} was not itemized when she had contacted them. I both called and wrote to XXXX XXXX, XXXX stating that this was not my bill and could not be collected from me. XXXX stopped sending statements to me but instead contacted Equifax and XXXX and had this collection placed in my credit report. I notified both Equifax and XXXX that this was not my bill. I sent documentation including my husband 's death certificate and the finding of deficiency in the estate, as well as correspondence to XXXX. XXXX found this does not belong to me and removed the collection notice from my credit report. Equifax is still maintaining that this does belong to me and the collection notice remains on my credit report. I have asked Equifax to review this but they still maintain that I own this bill at this time ( as far as I know. )
Try to get a lower monthly payment but keep getting denied and know getting calls from different companies who tried to offer me some deals. I really upset that getting harassment calls from company that I never request. I want this to stop and the debt to be removed now, I can afford to paid the student loan, I am repaying a IRS and I am XXXX with fix incomes. Please make sure that all this calls stop and the harassment at the same time.
my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased
Left a voicemail at my parents house which I do not live at and left all this information. Below is the the transcript left on their voicemail. 

This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I a.m. reaching out to you from direct recovery offer you a chance to resolve your matter here this will be my singular call me the following are your option on your balance of {$1100.00} XXXX 75 % settlement of {$820.00} a 85 % settlement three payments a 90 % settlement and 12 payments of {$82.00} settlements must be set up within the next ___ days please call XXXX again it is important to put a hold on your file I will be able to take your call until 7 PM today XXXX this is _ ____ to collect a debt and any information only be used for that purpose to pay online go to XXXX and click on the _____________________ need your account number and ZIP Code your account number is XXXX and your ZIP Code is XXXX
Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.
Received a call from a XXXX XXXX from Apex XXXX, representing XXXX. XXXX XXXX confirmed personal information ( name, SSN ) and proceeded to offer a " payoff '' for the debt. When I informed her of the ongoing situation with XXXX ( separate complaint to be filed ), she informed me that she would be sending the account back to XXXX listed as " refusal to pay, seek legal action. '' I told XXXX XXXX that I do not agree to payment arrangements over the phone and requested that all documentation concerning the account be mailed to me. XXXX XXXX stated that they " do n't do paper mail, only electronic '' and then proceeded to try to verify my email address. She read me three different email addresses that were associated with the XXXX account ( including the one used to open it ) yet not a single one an account that I 've ever owned. When I told her this, she became defensive and told me it did not matter because they had all of my other personal information, including my driver 's license number " which no one would have had access to if the loan application was identity theft. '' The driver 's license number they have on file was not my number at the time of the loan. None of the emails I was given that are associated with the account are mine. I requested a mail copy of all the information they had associated with the account, as XXXX had always refused to do so, and was told they can not do that. 

XXXX XXXX strongly suggested I find the money for the settlement offer before the end of the month as legal action was going to be her reccomendation.
Despite repeated requests, Nelnet will not grant me access to my online account. If they fail to abide this, I will be forced to file a civil action and a claim with US Dept of Education Ombudsman 's Office through my Congressman 's Office to compel the US Dept of Education to compel Nelnet to allow me access to see how much interest has accrued since the filing of my Chapter XXXX Bankruptcy. 
If there is such a regulation or law prohibiting me access to my student loans account online, then I have a legal right to Discovery. Please provide the following : ( 1 ) the legal statue ( cited with section and paragraph number ), ( 2 ) when this statue was enacted, and ( 3 ) the exact verbiage of the statue and how Nelnet is interpretting this statue. 
If it is a regulation, then please cite the regulation, which Federal agency it falls under, and a point of contact person at that agency regarding this matter.
This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to TransUnion : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
We got a secured prepaid credit card with Nevada State bank about 3 years ago. We were never told the card had an annual fee, and up to this year we have never been charged an annual fee. We do not have a balance on this card. We have only used the card once and we paid off the balance that very month. This was when we first got the card. The credit on this card is the money we paid to secure the card, so the bank did n't actually lend us any money at all for this card. Suddenly, we were charged an annual fee, and then we were charged a late fee on the annual fee. So the bank is basically stealing money from us by fabricating charges, not sending us monthly statements nor having a clear way to check the statement on this card, then charging us late fees on their own fees. We called the bank. We explained the situation and they refused to explain why suddenly we are being charged annual fees when we have n't been charged those in the past. We asked the costumer service agent,  XXXX , to look into the history of the card so he could see for himself that this is the first time we 've been charged annual fees. He (  XXXX  ) claimed that he was not allowed to look that far back into the account. We asked this  XXXX  to waive the fees and he refused. He also refused to close the credit card even after we paid their fees. So now by refusing to close the card the bank is refusing to return our {$2000.00} dollars back which we used to open the card. Nevada State bank is stealing {$2000.00} dollars from us!
XXXX XXXX for the XXXX XXXX card keeps advertising me that a letter is in the way when I get the next letter it declines me for Unable to verify information. They never requested my personal information such as Social Security card drivers license or utility bill and they never gave me a chance to send it to them instead they keep declining the application
Where to begin, My loan was originally obtained through  XXXX .  Carrington  bought the mortgage and immediately upped my payment ( Surpassing the maximum amount I am legally allowed to get a home loan for ) to push the escrow to the maximum amount. As this was sudden and unexpected I obviously started missing payments and making payments late while they were blasting me with fees. They were completely unhelpful in terms of me making partial payments and only wanted to sell me additional services which I can not afford. The website is shotty and most of the time and at least once every  2  moths I have  one  of the following issues.   - Does not work - Will require me to change my password - Will not let me reset my password - And does not send me confirmation emails when I make my payments - Can not find the link to make payments as it is very well hidden Which is suspicious because when you call they say its {$15.00} to make a payment over the phone. I finally got even on my mortgage and now they have decided to start charging me a {$5.00}  Convenience  fee to make my payment online which again I do n't think is quite legal.   Regardless this place is not on the level. Sign me up for any lawsuits out against these guys.
equifax has fail to provide company of my credit history or not accurate information. The creditor i use are not able to access my equifax credit report called several times to get this resolve and nobody seems to know what they are doing. Creditors are pulling fruad alerts or freeze and getting nothing
I saw an Equifax customer breach online reported by the news. The company provided a website that said it would tell me if my information had been compromised or not. After multiple attempts to get a clear message on if mine or my husband 's personal information that Equifax is supposed to be protecting and providing to creditors, employers, etc., but got no clear message either positively or negatively. I was just giving dates on when I 'm supposed to sign up for some type of extra Equifax service. And told I would not be communicated about this again. Equifax is NOT handling consumer notification of stolen personal information even after having more than a month to prepare from time of finding out about the data breach and telling consumers who is affected. I still can not tell if my data or my husband 's data was stolen or not. How can Equifax get away with not giving a straight answer after having more than a month to research the breach to communicate to clients better? I would like for Equifax to have to proactively communicate immediately to people whose data has been compromised. I have screen shots of pages for myself and husband that do not say if our data was compromised, but just a date to come and sign up for some extra Equifax product. Please help.
1. XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX claiming account has been placed with XXXX for collection sent. 
2. Called Chase : told since I did not have the full account number that I need to call XXXX regarding the letter received. 
3. Called XXXX.Told the collection is regarding an XXXX Credit card. Told them I was unaware of any unpaid charges. Asked what was purchased. Told statements would be mailed to me. 
4. XX/XX/XXXX, 2nd letter from XXXX with payment options sent. 
5. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX ext. XXXX. Told I would receive them in 7-10 days. 
6. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX. Told media was received on XX/XX/XXXX by them and she did not know why I had not relieved them yet but I should soon. 
7. XX/XX/XXXX called XXXX because I had not received copies of statements Talked with XXXX XXXX. I told her I was disputing the charges. I was ransferred to Chase Bank document recovery and spoke to XXXX ( XXXX ). Told I should receive statements in 7-10 days. 
8. XX/XX/XXXX received copy of statements showing a charge for XXXX XXXX XXXX on XX/XX/XXXX for {$100.00} and several months of late charges. 
9. Looked for receipt on my XXXX XXXX account to confirm I did not make the charge. I have receipt number XXXX dated XX/XX/XXXX showing I paid my XXXX XXXX with my XXXX XXXX XXXX. 
10. XX/XX/XXXX called Chase bank to try and resolve issue with this charge I did not make. Talked to XXXX ( XXXX ) explained I paid my XXXX XXXX with an XXXX XXXX XXXX on the XX/XX/XXXX and I did not pay it a second time, the next day, on the XX/XX/XXXX with the Chase card. I was told my dispute was declined XX/XX/XXXX. I explained I was trying to settle this prior to filing a complaint with the Consumer Financial Protection Bureau. She suggested I talk to a Senior Service Specialist and transferred me to XXXX ( XXXX ). He offered to " accept {$70.00} to make this go away. '' I responded that I did not make this charge and I am filing a complaint with CFPB if we can not resolve it. He told me I have to write a letter to XXXX XXXX XXXX to further dispute the charge.
I had a judgment against me in XX/XX/XXXX with Chase Bank at XXXX County Courthouse in XXXX, FL. I paid their lawyer for almost a year and then stopped because I could no longer afford to. I received a XXXX ( Cancellation of Debt ) from the IRS for Chase Bank for the amount I owed them. I have paid the IRS since this XXXX showed that I had earned income for XX/XX/XXXX Tax Year. 
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.
Wells Fargo Bank in NC, where I bought and sold a house and relocated to XXXX, kept over {$3000.00} in an escrow account after I closed on my house. They then claimed I abandoned the money and they turned it over to the state of NC. All the while, I had several existing accounts with Wells Fargo, including a stock account but, they claim they could n't locate me? I still have a WF account, including a credit card account, with WF. 
After more than 3 years of trying to claim ownership of my funds from WF and the state of NC, I have been told I have n't provided enough evidence I " owned '' the money or " proved satisfactorily '' I am who I say I am. 
Is there anything you can do to help? This seems really unfair that they contacted me to tell me that they have my funds but not turn them over to me because they ca n't find me?
My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.