WillisBack/dataset-financial-user-claim huggingface dataset:
I received a credit card bill from Citi on XX/XX/XXXX saying I owed {$8700.00} on an account I do not own and never opened. Since I do not speak very good English, my husband called Citi and told them this is not my card, that I may have been the victim of identity theft and they agreed to close the account. Citi sent me a letter dated XX/XX/XXXXsaying they closed the account. I sent them a Statement of Fraudulent Application signed by me onXX/XX/XXXX that they requested. Citi sent me a letter dated XX/XX/XXXX stating my claim that this account was fraudulently opened was denied and that I am responsible for the account in question. I asked my son to call the telephone number on the letter on XX/XX/XXXX and he spoke to XXXX  from Citi with me on the line, and they continued to insist that I opened the account and I am responsible. I sent Citi a letter demanding all of the account opening documents that Citi has in their possession, including signatures, IP addresses used to open this account, etc. pursuant to the Fair Credit Reporting Act, but Citi has failed and refused to provide me with the documents and will not respond to my request. OnXX/XX/XXXX, I received yet another billing statement from Citi saying I now owe {$18000.00}. This is now becoming ridiculous!

I did not open this credit card account. It appears that someone has stolen my identity and fraudulently opened this account in my name.

Citi has failed to perform due diligence when they allowed someone other than me to open a credit card account in my name and did not follow the proper protocol when they allowed over 50 charges totaling over {$18000.00} in just a 5 day period mostly in Florida. I have not been to Florida in over 6 years. In addition, Citi has violated provisions of the Fair Credit Reporting Act by refusing to respond to my demand for all account opening documents. It is my understanding that there are civil penalties for thess types of violations and I am requesting that your agency issue fines and penalties against Citi for their actions.
I am wrote a request on the method of verification for dispute initiated in XX/XX/XXXX and the subsequent response received on XX/XX/XXXX from Equifax enclosed with this letter. 
I requested that the following address be removed from my credit report : XXXX XXXX  XXXX XXXX XXXX PA XXXX Equifax deleted the inaccurate address on XX/XX/XXXX under Confirmation # XXXX I pulled my credit report on XX/XX/XXXX and it appears that Equifax re-inserted the address without notifying me of doing so. If the CRA reinserts, they must send the consumer written notification of such within 5 business days of the reinsertion. I did not.receive this letter or notification within the days of re-insertion.
In XXXX I was enrolled in XXXX XXXX XXXX and seeking to attend a trade school in Georgia in the XXXX. The school was XXXX XXXX 's XXXX XXXX, which appears to no longer be in business. It lacked a useable school code as they were not a college or university. I sought financing through Sallie Mae as was advised to me. Due to the lack of XXXX XXXX, Sallie Mae had informed me that I should use the XXXX XXXX for the XXXX XXXX I had been attending, even though I would not be enrolled there in the spring of XXXX. Being XXXX XXXX XXXX, and believing I was being offered real help, I took their advice. Sallie Mae encouraged me to take their money and spend it elsewhere. Following my completion of the technical training I received in Georgia, that institution was unable to offer me options for job placement assistance. Upon seeking employment independently I found I was under qualified. I have not been employed full time in the field I studied. As well, since XXXX I have experienced several financial difficulties, and was encouraged by Sallie Mae to put my loan in to deferment and/or forbearance each time. While I was informed that forbearances were limited, I was never informed by Sallie Mae that should I find myself unemployed ( as is my current situation ) that there is no help they can offer me. Essentially I received a predatory loan from a company that was willing to let my account collect interest, forbearance fees and not encourage payments, and refuses to offer assistance to the unemployed.
I have several credit inquiries from multiple companies on XXXX XXXX, XXXX. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did XXXX all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX 

Experian replied to a recent complaint references a different account that was open by my on the XXXX for a personal loan. These inquires are not with the company I acquired my loan with and I did not authorize them. I request Experian to validate again these inquires as they are not open accounts and were authorized by me.
Please refer to case number XXXX for the background information. 

After I settled the credit report issue with XXXX, I now have a FICO score of more than XXXX. But when I apply for a regular credit card, I again got declined saying the other XXXX credit bureau still have the collection record on my report ( which is not mine please refer to case XXXX ). I ca n't submit a dispute or check my credit status with any of them since I do n't have an SSN. 

Please
I have paid XXXX to Nelnet through XXXX ( as of XXXX, XXXX ) and this student loan payment ( and related garnishment ) should be complete. However, Nelnet and XXXX has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). Nelnet has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and Nelnet has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.
The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. 
See attached letter.
I applied for a loan modification. Bank of America sent me a letter dated XX/XX/2016, approving a loan modification. The modified payment amount is {$2200.00}. Please see attached letter. I mailed the first trial payment of {$2200.00} to Bank of America, N.A., Payment Processing, XXXX. XXXX XXXX, XXXX, TX XXXX. Bank of America received the first trial payment amount before the due date of XX/XX/2016. Bank of America sent me a letter dated XX/XX/2016, which stated that my first trial payment of {$2200.00} was not being applied and was being held " in an unapplied funds account. '' Please see attached letter.
I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes even though i have sent them certified mail and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
In XX/XX/XXXX, I disputed late payments that were reporting on a closed account ( XXXX XXXX ) on my credit report. The account has been paid and closed since XX/XX/XXXX, however, I did not realize there were late payments reporting at the time. In XX/XX/XXXX, the dispute result was " verified by the account lender/meets FCRA Guidelines. The account " status '' also changed from " Paid as Agreed '' to " Past due 60-90 days '' ; mind you, the account has been closed since XX/XX/XXXX? 
I filed a CFPB complaint against XXXX XXXX XXXX and the response stated that the credit bureaus had NEVER contacted them regarding my dispute since XX/XX/XXXX and that they did not report any delinquent status. Therefore, I am escalating my dispute to the CFPB for further review of this account. I believe this account status was fraudulently changed and has negatively impacted my credit score.
BANK OF AMERICA IS A MUTHER XXXX CRIMINAL!!! THEY ARE OPENING AND ADMINISTERING AN ACCOUNT AND WHO KNOWS DOING WHAT WITHOUT MY CONSENT,, AND USING FICTITIOUS NAMES TOO!!! FICTITIOUS NAMES VIOLATIONS, XXXX X XXXX $ $ 2ND DEGREE FELONY! criminals of america fefuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!!
I am in the process of trying to get a mortgage for a new home, I sent a letter out to Equifax like 45 days and I still have n't heard anything back from them! I really need to be moving, and it 's frustrating sitting around and waiting to hear from them. I addressed my main concerns in the letter I attached for you!
Received credit Financial Analysis from a debt settlement inquiry and they show XXXX American express numbers with amounts and numbers that are not mine. I just took mortgage in XXXX 2016 and my credit is clear.
XXXX KEPT CALLING MY CELL PHONE 11 TIMES AFTER AI TOLD THEM NOT TO, ALSO FAILED TO VALIDATE DEBT OR REFUSED TO CEASE AND DESIST WE ARE DEALING WITH XXXX DIRECTLY, WENT ON MY CREDIT AS A INVALIDATED DEBT INQUIRY.REFUSED TO CEASE CONTACT.
XXXX XXXX XXXX hired MiraMed Revenue Group, LLC to collect a {$57.00} debt for my young daughter rather than contacting us directly. This week MiraMed has contacted relatives of ours using a robodialer and left personal account information for my daughter on their voicemail. The automated message indicated that the person listening should hang up if they are not the parents because it contains " personal and private '' information ( I do have this recording saved ). The message continued to provide the private information on the voicemail without a prompt for consent ( for example, pressing a key to continue ). ANYONE is able to enter the reference number they provided on MiraMed 's website, mmrgpayment.com, to easily access account information with my childs name, address, debt amount, and medical creditor information. It's like openly handing out a password! Hopefully MiraMed did not contact any other third parties and provide private information about my family because it would be just as easy for them to access this private data. This goes against the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ) as they should not be disclosing private information to third parties. Additionally, I have not yet received any written notification regarding this debt.
XXXX XXXX has initiated mortgage assistance on the wrong loan. She constantly looses information and fails to get the right loan number and property address right. Initiating a request of this nature on the incorrect mortgage can lead to serious problem. This is another example that mortgage companies like Wells Fargo needs laws in place to make sure they are following proper procedures. This organization is totally incompetent and operates in a manner that 's dangerous to every consumer.
I have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.
I signed up for a new Citigold checking account based upon an offer that was presented to me online on Citibank 's website. The offer stated if I met the conditions I 'd be awarded with XXXX ThankYou Points. I confirmed through Citibank 's secure messaging system that the promotion was applied to my account and I 'd subsequently met all conditions ; additionally was notified I 'd be receiving the bonus within 90 days of meeting the requirements. Today, I was notified by Citi that they were incorrect and my account was never eligible in the first place. I 've been charged account fees of {$60.00} over the past 2 months whilst waiting for the offer to come through. Citi stands by their remarks and refuses to honor the bonus.
THIS IS THE XXXX TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX, XXXX XXXXXXXX XXXX , XXXX XXXXXXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX , XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
I got behind on my mortgage in XXXX 2016, that month I only had {$500.00} of the {$670.00} to pay so I sent the {$500.00}. The company still has that money and has n't applied it to anything and has not sent it back to me. I was n't able to make XXXX or XXXX payments due to replacement costs in the home. I sent the {$170.00} to get XXXX caught up but they sent it back refused to accept it saying they would only accept full payment for XXXX, XXXX and XXXX. How am I suppose to do that?
In 2010, we combined a first and second loan ( home improvement ) through Wells Fargo Financial in Texas. We told the WF rep that we wanted to combine the first and second at a 30-year fixed rate. The representative assured us we had the 30-year fixed rate loan and to sign the papers, which we did. We later discovered he had given us a 40-year simple interest loan. The would not allow us to include escrow for taxes and insurance. Wells Fargo Financial dissolved and Wells Fargo Home Mortgage now has our loan but wo n't refinance the 40-year loan to a lower term. Our principal has increased and not decreased at all. The interest is more than the payment each month. We are current and feel we were taken advantage of as we would have never signed a 40-year loan had we been told about it.
I contacted both XXXX and Experian about a credit dispute for XXXX XXXX XXXX ( XXXX ), that was included and discharged in my Bankruptcy case # XXXX on XXXX XXXX, XXXX in the XXXX XXXX XXXX Florida ; neither have 'closed ' this creditor on my credit report. I disputed the 'open ' status with XXXX credit agencies on XXXX of XXXX. However, on both XXXX and Experian credit reports, they remain in 'open ' status. In my dispute with Equifax, I received a written letter stating " the case information states closed '' but still on my credit report - it remains and reads as 'open '. Experian responded on XXXX XXXX, XXXX by sending an updated credit report and it reads " We have completed the processing of your dispute ( s ). Here are the results : Credit Items - XXXX ( XXXX ) : remains. 
Public records : XXXX BKPT CT FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Identification # XXXX Date filed - XXXX XXXX Date Resolved - XXXX XXXX Chapter XXXX bankruptcy discharged. 
Yet for Experian it remains in 'open ' status with a red dot. 
XXXX as of XXXX XXXX, XXXX lists XXXX XXXX XXXX as a " New Debt '' and states " Since your last update on XXXX XXXX, XXXX, you have XXXX ( XXXX ) overdue debt that has been transferred or assigned to a collection agency. '' XXXX XXXX XXXX - XXXX. 
It seems to me that XXXX XXXX XXXX - XXXX, keeps reporting this disputed and Chapter XXXX discharged debt to different credit collection agencies and both XXXX and Experian are ignoring the discharge and adding it to my credit over and over again. 
This debt shows and states on XXXX - discharged. 
Both XXXX and Experian have an obligation according to the law to state on my credit reports that the item is closed and discharge Chapter XXXX. I am tired of fighting with XXXX companies. 
Please tell me what to do to stop XXXX credit agencies and XXXX = XXXX from constantly reporting this discharged debt as open and new.
I made arrangements with Navient earlier in the month. I let XXXX know I would be calling before the end of the month to make a payment. They documented this because they let me know each time I spoke with them. A representative from the company would call me several times a day, sometime hanging up in my face to annoy me. I use my cell phone for work. This company calls me from several different numbers throughout the day which makes me think they are clients or work-related. I answered the times I was available and let a representative know that the XXXX phone number called me several times each day hanging up in my face. They said it was an auto-dialer they have that does this. I let them know this was extremely annoying and I felt harassed with all of the calls especially the ones that hung up on me. On Friday XX/XX/XXXX I spoke with Navient representative XXXX ( employee number XXXX ). I asked XXXX to discontinue the calls to my personal phone and reminded her of the arrangement I 'd made previously that I would call before the end of the month to make a payment. XXXX let me know that was not a suitable arrangement. I told her that was the best arrangement I could make at this time. I 'd requested at XXXX that the call ended with the arrangement on file. XXXX refused to disconnect the call and in fact transferred me to her supervisor who continued to badger me for an explanation. I let her know that Id asked them to end the call at XXXX seconds. Supervisor XXXX ( XXXX ) also refused to disconnect the call and stayed on the line an additional XXXX minutes continually repeating my name baiting me for an argument while I remained in silence after I let her know that I would no longer be engaging due to the harsh nature of the call and my previous request to end it. After several minutes of her badgering me in silence she finally concluded that she would document the entire call and that she would be sure to call back. I am very annoyed at the badgering, the attempts by agent XXXX to bully me with her supervisor ( after I 'd asked she disconnect the call ) and Supervisor XXXX attempts to bait me into a verbal altercation.
Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.
This is a complaint against Wells Fargo Bank. For the lack of consideration, respect, and ethic. Without noticing, they have decide to block my business account of XXXX XXXX XXXX XXXX and with an amount of money that I am needing, that was {$4200.00} that was deposited yesterday, XX/XX/XXXX. The lack of ethic that they blocked the account after me depositing the money. This is a joke and lack of consideration and discrimination. On top of that, The money I deposited does n't even show in the account. Where is my money? I do n't know where it is. They either stole it or are playing with it. Other than that, they also blocked my personal account, with a sum of {$9300.00}, they have left me with out money to use. This is lack of respect and consideration. Today, I called to find out what was going on, and their response the money was blocked because they decided to close my accounts. Without even telling me or noticing, and they did it after me depositing my money. And apparently, I have to wait until XX/XX/XXXX until they can open my account and there is n't even a chance of them of giving the money back. They did n't even think, they make the country think they are a good bank, that is a lie to the country and the citizens.
On XXXX XXXX, 2017, Chase Bank, without notification or warning, decided to close all of my credit card accounts. I asked why, and they said it was due to past due accounts and for too many inquiries. I never had a past due account, always paid off my balances, and never had a late payment. I applied for credit cards, and was approved for every card I applied for. I never had a single issue with Chase Bank, and so I do n't know why they would decide I 'm a risk and close all of my accounts.
I CALLED FOR DISPUTE AS A XXXX PERSON AND WAS REFUSED A CHANCE TO XXXX  AND WAS FOUGHT WITH WHEN I COULD NOT XXXX HIM. 

HE WAS VERY RUDE AND NASTY AND TOLD ME TO CALL BACK. HIS NAME WAS XXXX AND SO RUDE. 

AT FITST HE SAID NO ONE HAS HABD SETS AND HE SAID HE FINALLY GOT ON A HAND HELD PHONE BUT IT WAS HORRIBLE. 

HE DID NOT CARE AT ALL. 


HE WAS ABOVE RUDE AND VERY NASTY TO ME. I HAVE IT NOTED ON MY ACCOUNT, NOW THE SECOND PERSON IN DISPUTE IS REFUSING HELP TOO.
I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, BOA finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with XXXX XXXX. XXXX XXXX provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. BOA, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from XXXX XXXX ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when Bank of America Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage Loan # XXXX XXXX XXXX XXXX Loan # XXXX Bank of America Loan # XXXX XXXX Bank-No loan number, but Foreclosure Case # XXXX