WillisBack/dataset-financial-user-claim huggingface dataset:
I made a deposit into my checking with a convenience check. The company, Citicard, rejected the transfer via email. They transferred the money in spite of notifying me of the transfer being rejected. 
I contacted Citi card and was told they would reverse the transfer and the transfer fee, Citi card never did reverse the transfer. 
Citi card denies me access the my account on line and customer service will not talk with me. They say I need a password to access my account. I have given them the password previously and discussed the account but now I am told the password is incorrect and customer service will not discuss the account. 
When the transfer was rejected, the contract accessing the convenience check was voided. 
I want the transfer reversed as well as the transfer fee. I want nothing further to do with Citi Card or Citi Bank.
Earlier last year I contacted the bureaus and XXXX XXXX to dispute the debt. I informed the current manager once she called me that I was XXXX  and a XXXX and their policy was never to rent to XXXX, she even admitted it and said he doesnt know how XXXX XXXX could be rented in a XXXX XXXX name. I never received any written correspondence validating the debt and the bureaus validated the debt as valid. I received 97 months in XX/XX/XXXX with 3 years supervised release and they are saying that the apartment was rented in XX/XX/XXXX and my whole sentence didnt end until XX/XX/XXXX. Also this debt is gaining interest on it while it's in collections which I believe is a violation. I am attaching my paperwork from when i was sentenced in XX/XX/XXXX
I purchased my vehicle XX/XX/XXXX. I started my chapt XXXX bk XX/XX/XXXX my chapt XXXX bk was approved XX/XX/XXXX. It is my understanding that when you are under bankruptcy protection that the loan or finance company can not charge you any fees or accelerate your interest while under bankruptcy protection. 
My loan is due to end as of XX/XX/XXXX. I was just told that my payoff is XXXX this is incorrect. I was also told that this is additional fees and interest charges.
I was reached by XXXX XXXX Loan XXXX at XXXX Mortgage, XXXX Utah about financing my mortgage for my potential home listed at XXXX XXXX XXXX XXXX. XXXX, Ga XXXX was well at first, he was going to assist with a No Down Payment Program ( my husband had a stoke in XXXX and most of our cash was depleted by medical bills but this program was a great fit, or so he said XXXX .Then the Down Payment Program closed according to him, so i had to come up with almost XXXX. So I came up with XXXX dollars. 
So he said since I did n't have all the money that the Down Payment Program was back, and I could close with that program.So I asked why did you not tell me this before? So now we are back to the XXXX Payment Assistance XXXX. 
So now I have paid for my Appraisal ( FHA ) it took XXXX weeks to get the Appraisal XXXX XXXX days before closing he calls and says the office was shut down and someone will call me within XXXX hours and I would close on XXXX I was suppose to close on XXXX/XXXX/XXXX and I have called many times I talked with XXXX XXXX # XXXX he said he would return my call, and get it taken care of, this was a lie, today I still have n't heard from anyone at XXXX XXXX talked with XXXX last week around the XXXX at the other Peoples location and he said XXXX XXXX # NMLS # XXXX would call me but no call from him either. 
I do n't know how they do business in Utah but this is unexceptionable! 
I pray that they do n't continue to mislead people like this and if they ca n't close loans in Georgia why are they soliciting business in this state?
I am a victim of identity theft. My Capital One credit card ( XXXX ) was maliciously accessed by a third party and fraudulent payments were made without me being aware. All of my accounts, including this Capital One credit card have always been paid on time with ZERO lates up until the fraud occurred. Sometime on XXXX 2017, I received a notification from my credit monitoring system that one account is reporting a 30 day late. After further investigation, I found out the account in question was a Capital One credit card ( XXXX ). The fraudulent payments led to my account closure by Capital One. I contacted Capital One at least 7 to 8 times and each time I was given conflicting statements. Some representatives claim a request was put in with the bureaus to get the 30-day late mark removed and some others say it 's not possible to get it removed. 6 months later, it is still showing a 30 day late due to fraud. I submitted disputes with all 3 bureaus to non-avail. Please find a police report attached and kindly remove the 30-day late mark from my report. I was not the one that initiated the fraudulent payments. I corrected the situation as soon as I could and the account is now paid off in full. I appreciate your help and cooperation in this matter. I have been a loyal Capital One customer since I was XXXX years old.
Why has USAA not started making payments to the members that they violated banking laws with yet? I was a USAA customer for over 10 years and left because of their shady practices. The lawsuit I read in January said they are due to make restitution payments, but so far NONE have been mailed. Why is this tailing so long? Because of them, I have had to start completely over with my finances. They lost in court. Enforce the law, it's what you're there for.
I am in the process of getting a home loan, and must be in the Equifax system in order to complete the home loan process. Closing date is XX/XX/XXXX. If  the issue is not fixed, I lose the house. 

XX/XX/XXXX - I spoke with Equifax about two separate lenders being unable to pull my Equifax report. I was told I did not exist in their system and needed to fax/mail documents and it would take some time to process. I faxed the requested documents ( Social security card and drivers license ) XX/XX/XXXX - I called Equifax to see where I was in the process of being put into their system so I could obtain a credit report and continue with my mortgage loan. I expressed my urgency. They said they were unable to locate the documents and I needed to fax them again. I faxed the same documents two times this time to be safe ( social security card and drivers license twice that day ). They said to call back in 72 hours. 
XX/XX/XXXX - After a total of 3 hours on the phone, I was told that my documents were finally found, and I was now in their system. The person on the phone said that I would now be able to pull my credit report, but there would be 0 information reported on it. Which was okay - for my loan everything was cleared with the other two bureaus, but I just have to have a file with Equifax to actually receive the loan money. I relayed this to the loan company, and they were unable to pull a report on me still. They then called Equifax, and we were told it would take 24 hours. 
XX/XX/XXXX - We were still unable to pull my credit report. After another 2 hours on the phone, I was told that I still have no file with them, and must get a new credit card, loan etc. and that will create a file under my name in their system. Although I gave them all the information to my current car loan and credit card. He could not answer as to why my current car loan and credit card did not create the file. 

I am quickly running out of time and am desperate to get this issue fixed.
I am filing this complaint because, through absolutely no fault of my own, I lost out on a chance to refinance my mortgage on the terms I agreed to when I applied for the loan two months ago. The process was progressing smoothly until the appraisal. 

When the appraiser came to my home, he hostilely challenged the representation in my loan application that my property is a " single family '' dwelling. He insisted it was not. His position was that it is a " XXXX unit income '' property and, as such, he was owed a higher fee for doing the appraisal. I objected. 

Two days later, I provided the appraiser, as well as the lender, real estate records showing that the District of Columbia classifies my property as a single family dwelling. I asked to be provided something similarly official or authoritative that substantiates the appraiser 's contrary view. I was met with silence. 

My loan stalled for more than two weeks, because the appraiser was demanding additional money to submit his report. The lender was seemingly incapable of figuring out how to break the impasse. For weeks, I was repeatedly told ( upon inquiry ) that the matter would be clarified " tomorrow, '' but tomorrow never came. When I finally did hear from the lender, I was informed that another appraisal would have to be arranged, but there was now no time to close on the loan before the expiration of the rate " lock in. '' I was further advised that, in order to move forward with the loan, I would have to pay a special fee to the lender. I refused.
The XXXX XXXX # XXXX has never been past due. This needs to be corrected I spoke with XXXX XXXX and I am correct correct your reporting
I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. 

The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.
I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.
Lowes XXXX XXXX XXXX calls every day demanding we pay in full on the phone today. Payments are set up in the computer and are taken out every 2 weeks. A payment was posted today ( XXXX ) and they still call demanding we pay in full now. We should not be getting phone calls if we have payments set up online to automatically to come out and see they have been coming out. The other problem is you talk to someone in XXXX who does not understand you, speaks broken XXXX and uses a fake name to represent themselves. No one looks at records until you are basically talking down them after tey have totally frustrated you.
A debt collector left a message pertaining to me, on my parents answering machine, whom do not live at my address, are not legally responsible for me, who do not have the same phone number as me, and who does not need to know my personal, private, business. This is illegal.
i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!
i paid a collection account in full in XX/XX/2018. 
When the bureaus updated the information Equifax did not update the information. 
XX/XX/XXXX the company DELETED the account, as they said they would, from all 3 bureaus. XXXX and XXXX deleted it. On XX/XX/XXXX, it was gone. 
Not Equifax, Equifax is still reporting the account. 
I have disputed the information and called them several times in XX/XX/XXXX. 
Yesterday XX/XX/18, the rep was reading from the XX/XX/XXXX report. 
I have called the collection company 3 times during XX/XX/XXXX.

Yesterday I asked for a letter stating the deletion. They told me they deleted the account on XX/XX/XXXX. 
I explained how Equifax did not and what could i do, they told me to make a 3-way call to Equifax on Monday, to resolve it. 
Today XX/XX/XXXX I get an email from Equifax in my mail that says " dispute resolved '' but the account link does not work ALL DAY. I have tried to use this before and it works once in a while. 
Saturday Equifax is supposed to be open XXXX -to XXXX XXXX. I started calling at XXXX XXXX to XXXX ( had to go to work ) and no answer. 

Equifax previously made me wait an extra month for each of my updates. 
Thank you.
- Equifax used poor IT security policies that resulted in personal information about my XXXX, my wife and me getting leaked to criminals. 

Facts that indicate gross negligence ( and not that they were just a victim of sophisticated criminals ) : - The method that the hackers used was a an issue that was resolved two months prior and was known to the cybersecurity industry : XXXX XXXX XXXX XXXX The company has a culture of incompetence in the cybersecurity department. Using " admin '' as username and password for example : XXXX XXXX XXXX - The Chief Information Security Officer is unqualified for the job with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above facts show that the company is willfully negligent in protecting the personal information of American citizens, and not just that they are victims of hackers. 


Personal Impact to me and my family : Spending hours on the phone with the agencies to set up a fraud alert Spending hours on the phone and mailing documents to set up security freezes Spending many hours over the rest of my life to unfreeze and refreeze accounts every time I need to apply for credit Spending money and time taking steps with the IRS such as early filing to ensure that nobody files taxes using any of our SSNs. 

Spending many hours and hundreds of dollars per year for the rest of my life constantly monitoring reports for identity theft
We have submitted several mortgage re-modification forms to Carrington Mortgage through XXXX - XXXX XXXX XXXX XXXX XXXX ( a non-profit organization ). 

I followed everything XXXX advised us to do for this process. We had two RMA forms submitted since XX/XX/2018. 

Then we get a notice for foreclosure sale date. 

I do not know why the first application was denied. They claim the second application was in-complete.
Back In 2016 i enrolled myself in XXXX XXXX XXXX, I was enrolled for 18 months out of that 18 months i only completed 6 months when the school closed unexpectedly on XXXX XXXX, 2016 in XXXX XXXX. During the enrollment process i was granted a private loan From ASFG for XXXX and this lender is still wanting to me to pay for a school that no longer exists and the owner was granted a Chapter XXXX Bankruptcy
I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
I went to the XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX, on XX/XX/XXXX. The Technician that examined me said I needed a treatment, XXXX XXXX XXXX for my XXXX. They said I had XXXX XXXXXXXX. Which turned out to be false. I replied to the technician, if my XXXX   Insurance covers the procedure, the cost of XXXX XXXX XXXX, then I will agree to it. XXXX XXXX came back 30 minutes later and said that 80 % was covered by my XXXX XXXXXXXX XXXX XXXX. I agreed to pay the 20 % balance and paid that balance at that the time of the treatment at the XXXX XXXXXXXX offices in XXXX XXXX Texas. On XX/XX/XXXX, over 15 months later XXXX XXXX  sent me a bill for {$180.00} saying XXXX XXXX XXXX XXXX did not pay the 80 %. Come to find out, XXXX XXXX   used a XXXXrd party service called XXXX XXXX XXXX to check my Insurance to determine what was and what was not covered. ( See attached document from XXXX XXXX XXXX ). XXXX XXXX XXXX checked my Insurance on XX/XX/XXXX while I waited at the XXXX XXXX offices. XXXX XXXX came back to me and said the treatment was covered at 80 %. Again, I only agreed to pay the 20 % and would not have authorized the unneeded treatment if I knew it was not covered. I later found out that XXXX XXXX XXXX is a shame and does not work. A gimmick to get more money out of patients. That is why my Insurance company does not cover it. 
XXXX XXXX has now referred the matter over to a collection agency called Collections Unlimited at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX. Collections Unlimited opened an Account with XXXX and entered a derogatory remark on my XXXX credit report on XX/XX/XXXX. 
I dispute this {$180.00} charge, and the derogatory remark left on my credit report by Collections Unlimited. 
The bottom line is, even with this derogatory remark, my credit score is still above 800 and well within the excellent range, but companies and organizations like XXXX XXXX need to understand that cant bully people around. We had an agreement, they entered into that agreement willingly, and now they are reneging on that agreement. I have to believe that if the roles were reversed, for example, I put in a job bid on sheet rock work in their offices and a year and a half after the job was completed and I got paid for it, I came back and ask for more money, for what ever reason, they would not have even considered that and would have escorted me off the property. Its not my fault that the 3rd party service called XXXX XXXX XXXX got the information wrong. An accord was made and not kept by XXXX XXXX. They should collect from XXXX XXXX XXXX. 

Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
As of XX/XX/2016, while applying for a home, I learned of some fraudulent information on my credit report. I first filed an identity theft report with local authorities and then sent a copy to each " creditor. '' I received a letter from XXXX of the XXXX companies agreeing that the accounts were found fraudulent and that they requested that they be removed from my credit report. Transunion had initially removed each " creditor '' from my file but later sent a statement that they were " reinserted. '' I 've requested original documentation/applications of credit be sent to me however, to date, I 've only received copies and the incorrect information still remains on my credit report preventing me from operating in commerce as I should be able to. I 'm requesting assistance from FTC and/or its affiliates to get all incorrect/fraudulent information off my credit report. Also, soon after bringing my issues to each " creditor, '' the accounts that have not been removed, have quickly been sold to a third party who now continue to harass me for unwarranted payments. Please help.
XXXX XXXX XXXX XXXX XXXX XXXX Begin investigation on the following : date of last activity, account number, and account name. There is a possibility this information may be inaccurate. This must be removed immediately. I also think that this belongs to a person with a similar name as mine. It has not been investigated properly. 

XXXX XXXX XXXX I am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please review the amount, docket number, court name and type of public record I believe it violates the FCRA. Please remove this public record for violating the Fair Credit Reporting Act. See documentation where this is an invalid lien on my credit report from the Georgia Department of Revenue.
On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. 

I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. 

On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.
I used the capital one mobile application to make a payment on my capital one quicksilver credit card. I noticed a day later that they actually planned to charge me XXXX different times but assumed it was just a mistake. Capital one then charged me XXXX dollars XXXX times and XXXX dollars a third time. I called them about the charges and they said it would take XXXX business days to refund me the accidental charges. The payments overdrafted my bank account which caused me to be charged with overdraft fees since they charged me more money than I actually had in my account. I deposited XXXX dollars so I wouldnt owe as much but I am still negative XXXX.