WillisBack/dataset-financial-user-claim huggingface dataset:
Experian &   XXXX    Credit Reporting Agencies are re porting inaccurate credit information on my credit file regarding  5     XXXX   XXXX   XXXX   XXXX    XXXX  accounts. Their reporting that my current payment status is  120plus da ys past due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the    XXXX   XXXX   XXXX   XXXX     XXXX   for the information to be corrected to no avail for the past 3 years.
I was given a document from CitiMortgage stating that if I made my four consecutive mortgage trial payments I would be given my modification. This started back in XXXX 2015. During my last contact with Citi I had a representative from HOPE on the line to help me with my questions. I was given assurance that my mortgage documents were to be sent out in the next two weeks or so. Then I heard nothing for about 6 weeks. I called again and left emails and messages ( that I have copies of if needed ). Finally XXXX XXXX called back to tell me Citi forgot to set up an escrow account so XXXX XXXX refused to fund my loan. Citi actually caused my mortgage to fall behind at first in order to get the loan, but then forgot to set up the account so I then became current AGAIN. I payed exactly what I was told. XXXX informed me that because Citi set the account up incorrectly I had to start over with my trial payments. This means another four months of waiting. The final nail in the coffin is that I WAS TOLLD I MUST CONTINUE TO MAKE THESE PAYMENTS OR I WILL BE DROPPED FROM THE MOD. BUT CITI STILL HAD NO IDEA HOW THEY WOULD SHOW THAT I AM NOT CURRENT MEANING THE TRIAL PAYMENTS HAVE NO END! I was never behind on any payments but I was forced to set this entire modification up in order to get my EQUITY line modified. I am a SINGLE MOTHER AND FULL TIME XXXX WITH NO SUPPOORT. I HAVE LITERALLY SPENT HUNDREDS OF HOURS ON THE PHONE WITH CITI OVER THIS WITH NO RESOLUTION. THIS PROCESS HAS CAUSED ME EXTREEM EMOTIONAL STRESS. 
MY DESIRED RESOLUTION IS FOR CITY TO HONOR THEIR PROMISE AND COMMITMENT TO COMPLETE THE MODIFICATION PROCESS IMMEDIATLY AS PROMISSED. 
Sincerely XXXX XXXX
I received a call at my job from ONLINE Informaional Services, the representative name was XXXX at XXXX. She stated the MM, she properly identified me. I asked for the Validation of the debt to be sent to me, she refused. Also asked for a payment plan, she refused. Instead she mentioned my credit report ask about my line of credit? XXXX, threathen me by saying that she was going to report info to my credit report, if it is not paid by the XXXX of the month. I pointed out that she must send me a letter of Validation because that will be an FDCPA violation. She continued to collect and got frustrated, she then hung up on me saying that i was playing around?
I tried freezing my credit on XXXX17 at Equifax, XXXX, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
This is with regard to Skagit Bonded Collectors. This collection agency employs my ex-husband. I have requested that, due to my belief that this situation is retaliatory, that they cease all activities and remove the accounts from my credit and their offices. My ex-husband has disclosed the debts to our children, while he was at work. When I wrote a letter of complaint to the collection agency, I received a letter in response telling me they saw no third party disclosure. Unfortunately, I too am a debt collector and know the law. They are not allowed to discuss my debts with anyone other than myself. That includes my ex who not only disclosed the debts to my children violating the law but also disclosed accounts that were placed in his employers office. I am asking that, due to these violations, these be removed immediately from my credit report and sent back to the original creditors as noncollectable due to a conflict of interest.
I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.
I have tried to fix this problem and I would like someone with sense to look into this again. I stated that i was married. I work 50 or more hours a week. Multiple accounts were open in my name with my knowledge because I didn't check emails because my ex wife handled the bills. I disputed an account with Kohl 's department store and they stated that it was indeed mine because the information matches..Of course the information matches that was my wife for 11 years..She had access to those accounts.She stayed at this addresss. Nothing that was purchased was for a man. I would like this to be taking care of because i am taking legal actions because you guys gave her the card.Call the number on the account im sure she will answer.
Equifax divulged my personal information through the data breach to undetermined third parties without my authorization which potentially included my name, Social Security number, birth date, addresses, and driver 's license number. I confirmed this today through equifax 's website.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX   department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!
On XX/XX/2016, XX/XX/2016, and XX/XX/2016 I filed disputes with Capital One Bank. 
This is the dispute I sent to Capital One Bank. " First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One Bank never responded to my dispute or honored my request.
There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. XXXX and Experian report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.
I tried to withdraw up to {$300.00} from my Citibank IRA today on XX/XX/2017 to transfer to my Checking account today so that we could use the funds for important necessary purchases and also prevent my checking account from being overdrawn. To save time I did the transaction over the phone. Because I did the transaction on the phone Citibank is refusing to make the funds available for a whole day. While this may not be an absolute hardship today it could be if I was bedridden or in a hospital. I even went into my branch at XXXX XXXX XXXX XXXX NY and they told me they could do nothing. I would like some kind of compensation for the over hour 's worth of time I spent today and I got nothing done. Perhaps the CFPB should require banks to make funds available from retirement accounts of the same bank on an immediate basis since the bank will not do this voluntarily. I wonder if there is any federal law, rule or regulation which also caused this to happen.
1. XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Not Authorized 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 3. XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Not Authorized 4. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Not Authorized 6. XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not Authorized 7. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Not Authorized 8. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Not Authorized 9. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Not Authorized
I recently discovered that someone has my social security number and has accessed my credit report. Her name is XXXX XXXX and she accessed my credit report sometime last fall.
A debt company called XXXX XXXX reported a claim to my credit report, and kept calling me repeatedly with alleged debt, I sent a letter asking for validation of the debt, which should under my rights of FDCPA include 1. The  agreement bearing my signature stating that I have agreed to assume the debt 2. Proof of statute of limitations that has not expired 3. Agreement with the creditor that authoritezed them to collect on this alleged debt and a few more, in repose to my letter to proof validation of debt this company only sent a screen shot of there computer screen which does n't included anything I asked and not does it validate the debt, they also sent me a list of states they are able to collect and my state was not one of them, I called the number provided XXXX to ask why they did n't send the proper documentation, they kept transferring me from agent to agent after about 5 transfers and no answers to my question I asked for a manager and I was denied, and I kept getting talked to in inappropriately and hangued up on. This Company needs to find ways to better assist consumers.
transunion is reporting student loans incorrect with late payments, i have disputed this XXXX XXXX times in the past with them and have requested documentation showing that i have paid these late and have not gotten it. I have not paid these loans late. these loans are closed/ transferred and reporting inaccurate
To whom it may concern I am filling a complaint against XXXX XXXX XXXX. Before the harassment began they never read me my mini Miranda right provided by the fair trade act nor told me I could dispute the collection account. After nearly two years of harassing phone calls and mail they finally stopped contacting me but now Im calling them to try to validate and settle and no answer nor contact back. Its almost as if they have disappeared and its still on my credit report.
On Tuesday  XXXX  some items were presented to my account to cause it to overdraw.   Money was transferred from my ways to save account to my checking account to prevent this The amount I was overdrawn was {$13.00} and change, and the bank transferred {$54.00} from ways to save  One of t he items was an ach payment to   XXXX   XXXX   which was in a pending state, so no need to transfer funds that day, as I could still make a deposit that day once I received the alert.   I did make a {$40.00} deposit that evening While item was still pending.   I was charged {$12.00} for this privilege to move my own money!!!   I complained to the bank about this, and said I wanted the {$12.00} returned As I had made enough of a deposit to cover overdraft. I also had a direct deposit at   XXXX   XXXX   for  XXXX  dollars!!!   The bank returned {$3.00} to me from the {$12.00} fee! I complained several times, and just got double talk.   I am sick of this bank, and their fraudulent ways of making money!   I want the balance of the {$12.00} that they took from me returned.   They have stolen tremendous amounts from me over the years in overdraft fees Due to how they present payments ( high to low order.   Something needs to be done about stealing money from working people Pls help Thank you
On XX/XX/XXXX I logged into my XXXX credit card account to make my regular monthly payment that was due on XX/XX/XXXX. When I went and checked the account on yesterday for a recent charge, I noticed that I had received a late charge even though my payment was made on its actual due date. I called XXXX customer service this morning Monday, XX/XX/XXXX and advised them that a late fee have been applied in error. I spoke with a representative named XXXX. XXXX was not empathetic at all and told me that he would not be able to reverse the late fee for me. I explained to him that my payment was made on time and that I believe that it was illegal of them to charge a late fee when the payment was made on the date that it was due. XXXX advised that because the payment was made after a cut-off time of XXXX XXXX CST that my payment was considered late. I advised him that I was not aware of a cut-off time for making your payment and that if I was only an hour late of the alleged cutoff time, I still believe that that warranted a late fee waiver. XXXX said that no it did not and was not empathetic. I then mentioned that I was going to have my bank pay off this credit card account and that I would be submitting this complaint. XXXX then transferred the call to his manager, XXXX and proceeded to discuss the situation with me. XXXX was also not empathetic and did nothing to resolve the situation. He refused to waive the late fee.
XXXX purchased tickets for XXXX world cup through XXXX in the amount of {$1200.00} XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the airbnb host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX sent relevant information to bank including XXXX 's statement that it has filed a criminal complaint against XXXX. Also sent along consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling them, they said they  did not have receipt. I resend. 

XXXX bank says they could not identify " billion error '' but that they would have issue a partial refund until more information from merchant XX/XX/XXXX After refund was withdrawn, I calling bank, which said that they would not accept press releases and that they need a specific letter XXXX that the specific transaction would not be authorized XXXX XXXX refuses request XXXX I reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a Viagogo ticket XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. 

XXXX I find out through a call with the bank that the case should have been investigated through fraud, not billing error. Representative says bank will re-open XX/XX/XXXX Bank of America says that they could not find " billing error, '' when the representative phone told me that the investigation would be one about " fraud. '' Bank tells me it has notified  credit institutions about my complaint. 

XX/XX/XXXX XXXX responds with the same generic message
I get 2-4 calls a day from XXXX. I try to answer every time. I believe they are a debt collecting agency for XXXX. I have a current XXXX account. I have stated to them several times not to call me again. They continue to call and harass me. This is my cell phone number. How many times can I tell them to stop calling me? If I had an address for them, I would send them a written cease of communication notice.
I am a victim of identity theft yet your company Harvard has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account Harvard collections in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
This is not really a fee question, but you didn't list an appropriate category. My issue deals with advertised interest rates ( APY ) and many " direct '' ( ie online ) banks specifically, CIT Bank. 

CIT Bank currently advertises a 1.55 % APY. This applies to amounts of money of {$250000.00} and below, which is where I fall into ( see attached screen prints ), but when I login to my account, it shows them paying me 1.05 % APY. 

On their website, in the fine print, it states that interest rates may change at any time. In their 44 page Account Terms agreement, they state " Variable rate ( the interest and APY may change at the Banks discretion, at any time ) '' My 2 questions : 1. Is it legal to advertise a higher rate today and not pay that rate today? 
2. When the bank states " at the Bank 's discretion, '' does this apply to all customers of that bank 's product or are they singling out certain customers? Could it be that for large accounts they reduce the interest rate because they don't want to pay out that money?