WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I received a mailer from CitiBank to open up a Citigold Checking account with a promotional offer of receiving XXXX XXXX XXXX XXXX miles upon completion of their requirements. I signed up for the account using the mailer. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that the promotion was attached to my account. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that I completed all of the requirements, and would be receiving my miles within 60 days. After multiple follow ups via chat and telephone, and investigations being opened by Citi, I have received no response, and no miles. I have also been charged {$30.00} per month for this account that they have seemingly baited/switched me to sign up for.
This is a complaint against CITIZENS BANK. INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$30.00} XX/XX/2014 - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information but is still reporting this inaccurate information on my credit. They concluded in less than 2 days that the alleged accounts belong to me, without actually validating this information, which is negatively affecting my credit score. I am asking for this information to be removed/deleted off my credit report.
I have an account with Bank of America ( BoA ), opened in XXXX XXXX, Tx. My credit card was cloned and used to do several transaction on XX/XX/XXXX and XX/XX/XXXX at XXXX and XXXX in the state of Texas. They spent around {$1400.00} ( all the money in the account ). 
I traveled to XXXX on XX/XX/XXXX and I came back to United States on XX/XX/XXXX. I noticed this fraudulent transaction and I called BoA and asked them to cancel the card. They did canceled the card and they offered me a credit for the money missing in my account, while they conducted and investigation. I mentioned that I was not in the country at the time of the transactions and I had proof of this, but they say it was not required. 

I received a letter on XX/XX/XXXX saying : " Our records show the transaction activity in question was authorized and posted correctly to you account ''. I went to a BoA financial center located at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx to show them documents to proof I was not the one doing those transaction. They told me they did not handle that and I need to call the Claim Center. 

I called the claim center and I asked for an explanation about the outcome of the investigation and they said they revoked the claim based on two factors : 1. '' The transaction do not reflect any urgency on getting the money out from the account ''. However the transaction were done on two days.

2. " There is proof of my pin being used on the transaction ''. I asked to show me proof of this, and they say I don't have access to this information. I specifically as for this to XXXX ( employee number XXXX ) and his answer was that they can request the information but he could not guarantee that I will have the information requested. 

Apparently the investigation was very rigorous, but they missed the point that I have transactions in two different countries in the same period of time. On top of that they refuse to give a copy of the investigation or the records showing these fraudulent transaction where my pin was used. I spoke to XXXX ( XXXX 's supervisor, from Arkansas, reference number XXXX ) and the only option they are offering me is to send proof that I was outside United States ; however this will take time and they will remove the money from my account anyways.
My son had a private loan through XXXX (naviant) . He died XX/XX/2013. The government loan was forgiven but the private loan was not. They XXXX claim I am the consignor and owe the money. My dispute is that my signature , electronic or otherwise does not appear anywhere on the note. The consignor signature isactually the printed name of my now deceased son. I've been going round and round and told them to contact my attorney several times to no avail. I do not owe this debt nor recognize it as my obligation.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Security Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XX/XX/18 I was subject to an adverse action decision by XXXX XXXXXXXX XXXX based in part on information received from Experian. I then applied online with Experian for a copy of my credit report, but was denied. I then wrote to Experian requesting a copy of my credit report. As requested, I included a copy of my adverse action letter, driver license, and most recent bank statement. On XX/XX/18 Experian wrote to me again denying my request for copy of my credit report. I have maintained the same address for 20 years. However, every year for the past 20 years, Experian has denied me access to my free annual credit report without providing additional documentation of my identity and address. Experian 's repeated practice of denying me access to my credit report is unlawful. Experian should be sanctioned for this illegal practice and be required to cease this practice of failing to comply with consumers ' legal rights.
XXXX XXXX XXXX ( XXXX  ) starting calling me XX/XX/XXXX and have called everyday since, with exception of Sundays. They never leave a message. They have called sometimes twice a day using four different numbers which I have searched online and have come back with their information. 
Here are the numbers : - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX I had answered one call from them, however they would not identify who they were and why they were calling without me verifying who I was, and I will not identify myself because of all the scams that are going around. Also, it is my understanding that they must identify who they are and why they are calling. 

I received a letter dated the XX/XX/XXXX, but the letter was not received until the XXXX, but they started calling on the XXXX. It my understanding that they can not call you before the letter is received. 

My debt was originally through XXXX XXXX/MCSB. I had been in contact with them and made a {$30.00} payment to MSCB on Friday XX/XX/XXXX. I received the letter Saturday XX/XX/XXXX and was unable to contact either place of business because they were closed. XXXX called Saturday the XXXX at XXXX EST , which was XXXX their time. They close at XXXX on Saturdays, which only gave me a window of 13 minute to call them back. Which I would have, if I had received the letter before that time. 

I called MCSB today ( XX/XX/XXXX ) to ask if my account had been transferred to XXXX and they had no knowledge of this and had not received word from the hospital to close the account. They were going to look into it and I am going to call them back tomorrow ( XX/XX/XXXX ) to find out what the outcome is. 

I then called XXXX today to explain the situation. They were trying to argue that they had purchased the account and that MCSB was lying to me and to not believe them. I tried to explain to them that I had just talked to MCSB and paid them a {$30.00} payment Friday. They refused to listen to what I had to say and kept trying to argue with me that I didnt know what I was talking about and that MCSB was lying. They also tried to say that the debt was from XX/XX/XXXX, which technically it is, but that is after fighting with the hospital for three years to change a procedure code and I went from owing $ 4000+ to {$600.00}. 

I also told them I was going to report them to the XX/XX/XXXX  because they were harassing me with phone calls which is illegal, along with not identifying who they were when asked. I told them to stop calling and they calling me another time today. 

They transferred me to a supervisor, which took 10 plus minutes and I feel I was just talking to the same person because she started with one accent and switched halfway through to the accent of the person I had originally talked too. 

I also told them that I couldnt afford their ridiculous payment plan which was either ~ {$200.00} for 3 months or a one lump sum of ~ {$480.00}. They asked how much I could pay and I told them about {$30.00} a month and they asked if I wanted to set up a payment plan, I told them not until this confusion gets resolved and she hung up on me.
On XXXX XXXX I opened a CitiGold checking account with CitiBank with a promotion that offered XXXX XXXX XXXX miles after using bill pay in 2 concecutive months and spending XXXX dollars. I completed these requirements XX/XX/2016 and was told in XX/XX/XXXX that I had completed all the requirements and that these points would be sent to my account by XXXX XXXX, 2016. They were not and i contacted Citi again to inquire when they would be posted. This time i was told that the points should have posted already, that an investigation would be opened, and that i would have a response by no later than XXXX/XXXX/16. This, too, came and went and I contacted Citi a third time. I was told that the agent was unable to assist me, other than opening a new investigation and asked to call a number. Calling in to the promotions dept, ( the fourth attempt to resolve this ) I was told that the issue was under review and I could not be given a new timeline. I sent a fifth letter via secure message on the Citi site detailing all of the contact attempts so far, and received no response, contrary to their policy of responding to all inquiries. I contacted them a 6th time on XX/XX/XXXX and was told that the case is still " in progress. '' From my research online it seems that this is a common problem with Citi trying to get out of honoring this promotion. I hope that CFPB can assist in holding them accountable to their contract.
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX UNIVERSITY Creditor : XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MEDICAL CENTER, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.
Creditor : XXXX *In reference to XXXX, account past 7 yrs. and balance is in error.
Creditor : XXXX XXXX XXXX XXXX has deleted XXXX  XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX  TransUnion has deleted XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Today I received an alert from my Credit Union stating that they had just paid a ACH Debit for Santander {$560.00}. I was outraged due to the fact that I did n't authorize Santander to debit my account for anything and also I no longer own the car that I had. The repossesed the vehicle in XXXX 2013. Shocked so I called up Santander and asked them why did they debit my account this money and they claimed they had no idea what I was speaking about and they have had no payment options for me set up. Well somebody within that company did something. I looked on the back of the check and it states " FOR DEPOSIT ONLY XXXX. Mind you Santander states that they did n't send out my account to any collection agency that they are handling everything on their own. Then how the hell did all of this happen what is going on
XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me
My house was in foreclosure then my garage burned down in XXXX 2016, I communicated to bank M & T that I wanted to pay mortgage off instead of rebuilding garage. For several months I have been trying to pay off. First a wire was sent they held for four days then sent back. Then I overnighted a bank check as per instructions and they sent that back. I re-overnighted the check and they have had it since XXXX XXXX and told me they would email attorney and cancel sherrif sale. Thank god I went to court because they disd not. As of today they cant locate check and payoff still not completed. How many other consumers are dealing with this at M & T.
On XXXX/XXXX/2016, I spoke with Transunion 's Supervisor XXXX and he indicated that even though I submitted documentation to support my recent credit reporting disputes Transunion is not responsible for looking at disputes. The creditor is even though I provided official documentation from the creditor. So Transunion has failed to uphold their investigation.
On or around XXXX 2014 in an effort to open a new credit line I was informed that the creditor was unable to open my request. In an effort to find out what was going on I contacted all XXXX major credit bureaus and I was informed that and became aware of several entries including various inquires which were never authorized. Upon receiving this information I contacted the source directly only to be told they had no information and to submit my dispute in writing as well as contact law enforcement. As requested I did all of the following and was provided several months later a copy of the report to provide to both the sources as well as the credit reporting agencies. After several months of going back in forth I received notification that they verified the account as accurate and refused to use law enforcement 's report. Since that time I have continued my efforts only to be ignored and to date they have refused to supply me with a complete outline of the verification process they have conducted.
A state tax lien from XXXX 2010 should have been removed, I entered a complaint through CFPB, and Trans Unuion stated that it would be removed. However it is still showing on my credit report. 

This is a Released tax lien that was filed in error and should not have been on report to begin with, I am asking that Trans Union remove the tax lien.
I have been trying to modify my home loan with Wells Fargo. I have been denied twice, the first denial was because too much income and the second was due to not enough. My son contributes money to our household which I had provided to Wells Fargo, they then declined my modification due to too much income. I reapplied without his contribution and was then denied for not enough income. My husband is XXXX, as with any business things get slow and we struggle just many other people. I am not able to work, I have XXXX and XXXX. I am XXXX that someone can help me save my home. I want to finish out my life here where we have made many memories and hope to make many more
Reference to complaint  XXXX ,  Seterus  stated " Had the property taxes been paid in error, your tax entity would have refunded these funds to  XXXX  ''. This statement is false. The account for property taxes are in my name, irrespective who pays into that account, any refund will always goes back to the account holder. Another example, Seterus payment for home insurance did not arrive in time and  XXXX  called me. To give more time, I pai d one month insurance premium. After Seterus  payment arrived, it resulted in overpayment and the overpayment returned to me and no t Seterus. Seterus  should know this better.     Seterus failed the terms and conditions of account transfer from  XXXX  by opening an escrow account prior to loan modification application.  XXXX  never opened an escrow acco unt. Does Seterus  accepts a letter from  XXXX  confirming that they never opened an escrow account?
Consumer Financial Protection Bureau, To whom it may concern, The purpose of this letter is to submit a third complaint against XXXX [ XXXX ], now known as ECMC- the Education Credit Management Corporation . The previous XXXX complaints are under file case # XXXX & file case # XXXX. Back on XX/XX/XXXX, XXXX- Ombudsman at ECMC- responded to my last complaint stating that she determined that XXXX should have refunded my XXXX loan disbursement. XXXX then made the necessary adjustments, but there are still irregularities in the final calculation of my loan balance. As I have previously stated, this loan dates back to XX/XX/XXXX, from which I have been disputing this loan with different agencies ; first with XXXX, then XXXX, and now with ECMC. 

Even though I have been disputing this loan, I have submitted payments to the amount of {$1700.00} towards the amortization of this loan. Back on XX/XX/XXXX, I submitted a request for a breakdown of how ECMC recalculated the loan balance after having removed {$2500.00} from the original balance. They sent me a new total balance of {$2100.00}, for which {$1.00}, XXXX is principal, {$380.00} interest, and {$410.00} collection costs. In one of their balance sheets, they have a current principal balance [ dated XX/XX/XXXX ] of {$780.00}. I have been disputing this loan, and it was found that I was correct in my claims. ECMC has always had my contact information- of which I have been the one contacting them in this dispute- why are they charging me collection fees and interest when they failed to acknowledge my complaints? How are they jumping from {$780.00} to {$1300.00}, unless this loan is a negative amortization loan? My question to the Consumer Financial Protection Bureau ( CFPB ) is, back in XX/XX/XXXX, CFPB came into an agreement with ECMC regarding the purchase of certain assets of XXXX in which ECMC is to provide debt relief to XXXX students ; how come ECMC has gotten a free bailout pass from the government, supposedly for the sake of many students, but they are still continuing the predatory practices of XXXX? 

Please respond at your earliest convenience, and thank you in advance for helping combat the exploitative practices of agencies like XXXX, XXXX and ECMC XXXX and protecting victims, such as myself, from these dire cases of student exploitation. 

Sincerely, XXXX
I applied for a Best Buy Credit Card ( XXXX ) a couple months ago and have gotten approved for it, after a while, I found out that it was closed. When I called they transferred me to the fraud security dept. They stated that they received information that this account was Identity theft, when I told them that I was not aware of this nor did I call about this, they further stated that they received the information from " XXXX '' via a dispute. I called XXXX and ask for an explanation and they stated they have no record of contacting CITI Best Buy Card regarding this. I then contacted back the CITI fraud dept. to let them know of XXXX 's Statement. They advised me that there is nothing they can do to reopen the account and that I need to apply for a new account if I want a Best Buy Card. 

I applied for Best Buy Card in the store and got approved for it ( XXXX ), when I got the card in the mail and tried to activate it, the call automaically connected to CITI Early Warning and they stated that the card is closed. 

This matter happened to me twice, there need to be accountability for this incident as no customer should go through this.
I WAS FULLY COVERED BY XXXX XXXX XXXX XXXX WHEN I WENT THRU XXXX. ALL MEDICAL INSURANCE INFO WAS SUBMITTED TO FACILITY, BEFORE XXXX BEGAN.
I have attempted to dispute through their portal and it will not allow me to dispute inaccuracies on my report. I have evidence to support my claims but they will not allow me to dispute and they refuse to let me in and go through their website. I can only submit it through here so that they may receive my dispute and investigate the inaccuracies.
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.
National Check Resolution Inc. contacted me by phone last year in XX/XX/XXXX and told me I owe money from an account from a loan or credit card company and I told them I will send {$250.00} on XX/XX/XXXX and {$150.00} for 11 months and then {$21.00} for the last payment. When they contacted me I panicked and agreed to it without getting this debt validated. So far I paid over {$800.00} and when I started researching credit articles I saw that if I was unsure that I can request verification and validation of the debt that is being collected. On XX/XX/XXXX I contacted the credit bureaus and ask for them to verify the debt however this company was listed on my credit reports. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX I've asked National Check Resolution to validate the debt and so far they have failed to do so. I also phoned them today and asked them to take {$220.00} to leave me alone and stop deducting money out of my checking account. I spoke with XXXX who said he would ruin my credit and hung up on me.
I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.
I try several times to contact Equifax about only one item that i have problem on there file against me.They not investigate it look like they are part of collection agency even the report that they have on file is fully of errors The Equifax investigation was not done on proper way.They Part of Collection agency that they report me fully of errors.Operator suggest me to pay to avoid further law actions from the collection agency.They can't threat people like this.They was told to me that Equifax don't have a power to remove items only the collection agency.