WillisBack/dataset-financial-user-claim huggingface dataset:
After having a substantial relationship with Citibank, I get a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
in XX/XX/XXXX an employee of mine charged almost 20,000.00 to my Lowe 's account without my knowledge or permission. employee was terminated when the charges appeared on my XX/XX/XXXX Lowe 's statement. i called Lowe 's bank, Synchrony Bank, and itemized all of the fraudulent charges. Synchrony then removed all fraudulent charges from my account while they 'investigated '. meanwhile i filed charges in three municipalities against the former employee. after three months Synchrony reapplied ALL the FRAUDULENT charges BACK onto my account. i protested and got the response that the fraudulent charges were mine to deal with since i had given the employee a company credit card. they claim i profited from the fraud in spite of any evidence to the contrary and with police reports to back my statements. getting nowhere with Synchrony i got my lawyer involved in the case. she has tried three times to get Synchrony to respond to her letters and legal requests. in spite of me signing paperwork validating her as my attorney they have yet to reply to her. instead they resent their 'investigation ' report back to ME without any further effort on their part. the former employee has a court date of XX/XX/XXXX to further back my evidence. this is referenced as ; XXXX XXXX XXXX. to add insult to injury i have been paying interest on all fraudulent charges monthly. Synchrony even charges me interest on my purchases each month even though i pay off my new charges every month? PLEASE HELP ME
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I am looking for help regarding inquires on my credit reports -- all XXXX agencies. 
I can not believe that anyone can access my credit without my permission as it affects my score ... I have received no help from all three of the CRA 's and they all claim that those who pull my credit do not need written and or permission ( just saying they have permission is valid )???? I have been disputed for several years and they refuse to remove .... Anyone can access anyone 's credit and drive their score down????? 
How can this be true?
On XXXX XXXX, XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via XXXX certified mail on XXXX XXXX, XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX XXXX. 

Transunion sent me a notice dated XXXX XXXX, XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XXXX XXXX, XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XXXX XXXX, XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.
I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for?
I currently have XXXX student loans with Navient. I contacted them to see about consolidating these loans and lowing my interest rate that at the times were 6 % 5 % 4 % before finding another company. About a month later my interest rates were raised to 8 % 8.5 % and 6.75 %. I feel like they did this to make as much money as possible with the information that I maybe refinancing with another company.
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
On XX/XX/XXXX NetSpend service rep XXXX said my account was closed and funds would be mailed to me or. I called NetSpend Corporate office and was told Yes, but no reason was given,,, I asked them if they would  allow me time to transfer money to my new account I had to open, corporate office said yes until XX/XX/XXXX, please investigate, reason for them closing my account, I currently have 3active claims in NetSpend Corporate dispute office, XXXX XXXX ,2 claims XXXX, both no service rendered, ,and I paid for 3months with these companies, NetSpend service dispute 45 days for claim status.. please investigate. thanks
Since XXXX of XXXX I have been trying to get an exact amount to bring my mortgage with XXXX current. I spoke with the rep and asked her for the total amount to bring the account current. Paid that amount and continued to make the monthly payments in XXXX & in XXXX. I mailed both these payments to them with old copies of statements since I had not received any statements from them. Called on XXXX XXXX to make the XXXX payment over the phone & spoke with XXXX XXXX, who informed me that I was running XXXX month behind and owed XXXX & XXXX for XXXX of {$2400.00}, which included late fees and some other fees for having someone verify that the property was lived in. They refused to waive those, so I made a payment of {$1200.00}. My regular payment is {$1100.00} plus {$33.00} for each late fee past XXXX. So I was told by XXXX that the balance for XXXX would be {$1200.00} plus the {$1100.00} for the XXXX payment. This total would be {$2300.00}. Called XXXX XXXX to make payment for XXXX for {$1200.00} spoke with XXXX who confirmed a balance of {$1100.00} due for XXXX. Called and spoke with XXXX who took the XXXX payment for {$1100.00}. I asked what was due for XXXX and was told that since we had been paying extra, the amount due for XXXX was {$870.00} plus {$33.00} late charge, for total of XXXX. Called XXXX XXXX to make the XXXX payment and spoke with XXXX XXXX. I made a payment of {$1100.00} after verifying with him that we needed to pay {$900.00} for XXXX. He stated that the additional {$200.00} would be applied towards the XXXX ember payment. I called today to inquire about the statements and to request some type of correspondence showing what was due for XXXX and spoke with XXXX XXXX. Back in XXXX we filed XXXX XXXX '' bankruptcy and it was discharged in XXXX XXXX. According to XXXX they had no such documentation stating the discharge and she would have to check it. After a long hold, she said that " nothing showed pending ''???, so I imagine she confirmed it. I asked what the amount due for XXXX was and was told {$1.00}. I asked why so much and what happened to the extra {$200.00} that I had been told would be applied towards XXXX and was told that the {$200.00} was in a " suspense account '' and that it would be used towards whatever fees I had owing on the account. I asked for an itemization of the payments, late fees, etc and was told that nothing would be mailed to me because we had filed bankruptcy. Even though it had been discharged, just because we had filed it, it did not entitle us to receive any type of statement. She went as far as to say that even if I submitted the request in writing, it would be denied. So we are pretty much at their mercy and they can continue to charge me fees that I do n't know what they are for.
I refinanced my home for a better interest rate. The original amount was {$41000.00} the annual percentage rate was lowered to 3.695 %, but I was charged {$12000.00}. The amount I am paying on now is {$53000.00}. I have excellent credit also. Thanks
I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.
I HAVE DISPUTED THE ACCOUNT PAID ACCOUNT WITH PUBLIC SERVICE OF NORTH CAROLINA WITH EQUIFAX HOWEVER EQUIFAX HAS FAILED TO VALIDATE THE INFORMATION AFTER NUMEROUS ATTEMPTS OF REQUEST. 

XXXX IS REPORTING ON MY EQUIFAX CREDIT REPORT THAT THIS ACCOUNT WAS CHARGED OFF AS RESENT AS OF XX/XX/XXXX WHICH IS A COMPLETED LIE. THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX IN THE AMOUNT OF {$30.00}. THERE IS NO WAY THAT IT SHOULD BE REPORTING AS A CHARGE OFF IN XX/XX/XXXX OR ANYTIME BETWEEN XX/XX/XXXX TO XX/XX/XXXX. THIS IS UNFAIR TO ME AS A CONSUMER. I TOOK CARE OF THIS MINOR DEBT HOWEVER XXXX AND EQUIFAX ARE NOT FOLLOWING THE LAWS THAT GOVERN THEM BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS IS NOT FAIR AND HAS CAUSED ADDITIONAL DAMAGE TO MY CREDIT MAKING MY CREDIT REPORT LOOK LESS THAN CREDITWORTHY.
Equifax has incorrect account balances on accounts which were paid in full. The correct balances are reflected on XXXX so the company has reported. Also, accounts are reflected as discharged in BK when they were paid in full and not included in BK. There are state liens which are incorrect. I left the State of Ohio XXXX YEARS AGO. I have filed a dispute with Equifax but to no avail
Re : Experian follow up on Close Dispute reference # XXXX Confirming to cfpb ( Consumer Financial Protection Burea ) on XX/XX/XXXX the Deletion of the Hard Inquiry done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX.Done on XX/XX/XXXX.On my credit report. 

*** Based on the response provided to cfpb from Experian states and reads : The disputed inquiry that was found displayed on your Experian credit report are in the process of being Removed from your Experian credit report. We are in the process of mailing the result summary to you XXXX XXXX for review and confirmation. 

I XXXX XXXX have already reviewed confirmed, all information. Addressed it to All parties involved.I do not need to wait 15 days for mail to be deliver. 

I need to know Experian : 1 ) On What date? Is my credit report going to be updated with the Deletion of the Hard Inquiry in question above. 

2 ) When I'am going to be Confirmed and Notified after this changes have occurred? 

3 ) On What date are you going to credit my Experian Fico score? Due to the fact of this update being completed. 

***I do not want to wait 15 days for mail to be delivered to me.Just the same way you Experian contacted " cfpb " by email and Updated them about the Deletion of the item.You Experian can email me at : XXXX. Or call me at ( XXXX ) XXXX for verbal notification of updates, Ok to leave a voice mail confirming the action .You can also log into my credit report with Experian reference report number # XXXX. And update directly the Deletion of item and updates.It takes a couple of minutes.Not 15 to 60 days. 

Thank you, XXXX XXXX
There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
XXXX XXXX Loan Modification was cancelled because Bank of America incompetence since they never applied our first trial payment made over the phone with the case manager on XXXX/XXXX/XXXX which was due on XXXX/XXXX/XXXX as recommended by him and got a confirmation number. The following month I notified XXXX XXXX " case manager '' and emailed him my running balance and which clearly showed the funds were available to cover the payment, the case manager for BofA admitted to the error and assured me that they would correct the error immediately and to continue to pay which I did for an additional 7 month because the case manager continued to assure me that it would be corrected but after all that time I realized he was just trying to get as many payments from me as possible knowing that my loan mod would not be reinstated. There are many articles on Bofa stating the fact of incentives to employees to not approve these modifications. XXXX XXXX XXXX XXXXXXXXXXXX It is my understanding under the new RESPA rules that came into effect on XXXX XXXX they are required as the new servicer to obtain all loan information from the old servicer. 
Confirmation numbers payments from BofA were : Payments made to BofA : {$2300.00} First set of numbers below indicate the date paid " original lender was Countrywide '' XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX Attached : XXXX XXXX Loan Modification Approval from BofA XXXX XXXX Loan Modification cancellation from BofA for non payment Letter to BofA about payment not being processed after making a total of XXXX payments Email to case manager inquiring about issue Letter from Bank stating we had the funds the XXXX the payment was to be processed Running balance on checking account
My ex spouse had a credit card for his business as his worry free for a checking account. He was deemed responsible For this account in the divorce and did not remove my name. Later he filed bankruptcy and this account was to be closed. It has not been closed and is showing up on my credit record. My name is not spelled correctly nor am I sure I actually signed it. Someone did but?? So between the divorce decree and the closed status through bankruptcy the bank will not close or remove this from my credit record the amount was {$2000.00}
I have debt with National Auto Finance for a loan that I cosigned with my sister. She stopped paying on the car in 2010 and it was repossessed. The reason I am writing you is because the debt should not be on my credit report and has an illegal date of last activity, DLA, of  XX/XX/XXXX . It is showing up like I recently paid on this item which I have not and since it has been 7 years, it should not be on my credit report. Please have National Auto Finance remove this item from my credit report.
My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my XXXX and Experian credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
This matter is related to a HE Loan held by Citizen Bank ( aka RBS Citizens ). 
In XXXX, approximately a week prior to the auto debit date of the loan I submitted a form through the local branch to change the auto-debit account. Unfortunately, Citizens bank incorrectly keyed the account number which resulted in my loan payment being delinquent. I received a call from Citizens Bank Loan Operations and after several follow up calls and verification that they had incorrectly entered the account number, Citizens Bank ensured me that everything had been rectified. I insisted on them taking a payment over the phone which they reluctantly agreed to waive the fee for processing. 
The following month I noticed that the auto-debit payment had not been withdrawn and subsequently received a call from Citizens Bank. After discussing the issue I was told that they would correct the error and fix the system. Subsequent to the call confirming that they would take care of the situation, again! I received several more calls and a delinquent notice. 
Facts confirmed by Citizens Bank 1. They had entered the account number incorrectly 2. Several different loan colleagues confirmed that the situation would be rectified 3. Once the system was updated with the correct account number they failed to actually instruct the system to initiate the auto-debit 4. I have opened XXXX cases and was told that everything was rectified and the payment would be back dated to the original due date. This never occurred and I received another call and a delinquent letter.
My mortgage was transferred from XXXX XXXX XXXX to a firm, unnamed, serviced by Selene Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX. During the handover of my mortgage to Selene, either XXXX did not hand over the credit for the XXXX 2015 payment I made, or Selene received it and did not credit it to my account. For almost nine months, while I have made monthly mortgage payments, XXXX has keep my account as " past due '' because of this error, and has threatened to put my home into foreclosure. As a result, my credit remains damaged, on an on-going basis. 
In addition, Selene held onto the escrow funds from XXXX despite numerous attempts by XXXX XXXX to get the portion for homeowners insurance. At one point, my home was uninsured as a result for one month. I had to pay the premium out-of-pocket rather than Selene paying the escrow. It was not until months later that Selene released the funds to XXXX XXXX and we received a refund, but the damage to our budget and credit was already done. 
I am trying to refinance so that I can pay a tax lien on my home and take out money for my daughter 's XXXX care, but with the continuing " 30 day past due '' status and threat of foreclosure, I can not get refinancing.
This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to Experian and XXXX, please see attachment credit report.
US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity
Equifax happened A company I 'm forced to opt into and cant avoid handing over my information over to has open security policies that allowed the more nefarious types get all the personal information that matters
XXXX XXXX submitted dispute charges on his Debt card with USAA and USAA issued credit for those disputed charges. Then over 70 days later took the money back out of our account without no warning and no advanced warning. Called and Called trying to rectify the situation and to no avail even the XXXX office and not XXXX party would help or explain how they could violate their own agreement with XXXX that they have 60 days to reverse charges and/or mediate the dispute as well. Those charges hurt our family in major ways we were staying in a hotel room paying day by day and living day by day and trying to get a new permanent home as well. Which our check bounced for deposit our insurance payment bounced and stressed out for no valid reason per ethics or contract law. We even asked for help from their donation department to help and they could not help us out with a deposit for our new permanent home. Our account become overdrafted and we moved our direct deposits to another bank, Once over drafted and we owed them money for the past money we are locked out of our other accounts other than paying the bills on our mobile device we can not pull old statements from our bank accounts, add a car online to our insurance or pull old statements on our credit card or market account. Documented on Facebook as well as other notes and a printout showing how we our locked out of our account. XXXX XXXX was punished just the past 60 days for this behavior. When we call to get resolution we are on eternal hold for over XXXX30 minutes several times. USAA violated the trust given to them by many and business ethics.