WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX    XXXX   I did a search for a  XXXX  phone number and selected  XXXX  and dialed  XXXX . I was connected to a representative who introduced himself as  XXXX  and asked if I was calling about my  XXXX  loans. Throughout the call he miss represented himself as a  XXXX  associate. He had access to my student loan information and recommended that I consolidated my loans to get  XXXX  low payment. He then transferred the call to another person by stating that the consolidation is handled by a third party company called  Timemark Solutions.  I unknowingly agreed to the terms because I thought  XXXX  was a   XXXX    representative and that  Timemark Solutions  was affiliated with  XXXX .   I discovered several days later that  XXXX  was actually working for  Timemark Solutions  and was lieing to me the whole time. I called Timemark Solutions to cancel the service and explained to them what happened and why I signed up. They simply said that they already submitted the request for payment in the amount of { XXXX } and their was no refund. They further revealed the terms of the agreement was for a total of { XXXX } and that non of that money would go towards my loans. I told them I was told nothing about being charged { XXXX } for something I could have done for free.
I have submitted several request disputing collection agency information on my file, for XXXX XXXX XXXX. this is not my debt. I also have open a full investigation against this company. As you can see on the attached information i forward to collection agency & Equifax yet they both continue to report incorrect information on my credit. This is the apt complex responsibility not mine and you can see on the county fire report it states in undetermined. Apt complex all copies of report and so does their district manager. XXXX XXXX. I 'm trying to fix my credit to purchase a home and this continue to be a problem for me. Please help Thank you.
The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : INSTALLMENTSALES CONTRACTBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXXHigh Balance : $ XXXXPast Due : XXXX {$100.00} XXXX Pay Status : XXXX ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days XXXX and in XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXRating N/R X X X X C/O X X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXRating X X X XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXRating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRating XXXX
Hello, I opened a Citi Gold Checking account in XXXX per the terms of the XXXX XXXX XXXX miles promotion. Promotion ID : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XXXX, after reaching out to Citi to confirm my eligibility of the offer, I received this response in a secured message : " From : XXXX XXXX Wise Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information regarding your promotion. 

Thank you for providing your XXXX number. I have now notated your account and can confirm that you completed the requirements for this promotion. Per the promotion policy, the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. 

With this in mind, you should expect to have your miles processed no later than XXXX/XXXX/16. Please note, it will take an additional statement cycle after processing for the miles to reflect your AAdvantage account. 

Additionally, thank you for completing your XXXX form. We have yet to receive it, however, it can take up to XXXX weeks for the documentation to be received and processed to certify your account. 

XXXX XXXX, your trust and satisfaction are very important to us here at Citi. It is a privilege to assist you with your promotion information and I look forward to assisting you again in the future. 

At Citibank we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number XXXX to complete your feedback. 

Send Your Opinions Thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Services at XXXX. Internationally, you can call us collect at XXXX. XXXX XXXX is available at XXXX. We are available to assist you 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services '' I am simply requesting that Citi deposit the promised XXXX American Airline miles into my account. 

Thank you, XXXX
My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.
Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?
I issues a prior complaint. Complaint number ; XXXX with the XXXX and complaint number XXXX on XX/XX/2018 against XXXX XXXX XXXX XXXX. They are reporting on a debt that is unverifiable and not accurate. They refused to remove information from my credit file and attempted to reage old debt. When asked for verification and validation ( several times ), they did not provide proper information per FDCPA. on XX/XX/XXXX during premeditation this case was dismissed because the lawyer from their firm acknowledged there was not sufficient information about this account. The case number is XXXX. The case was dismissed because of lack of information. Please remove this inaccurate derogatory information from my credit file or I will sue and seek the damages owed to be for repeated violations of FDCPA and lost wages.
on XXXX XXXX, 2017, Phoenix Financial put 3 Fraud Medical collections on all 3 credit bureaus. We notified Phoenix Financial by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 

They still have not removed the Fraud that is not mine from collections under my name.
recieved letter dated the XXXX of XXXX for an old ( 2015 ) debt that needed research from me to find out who it belonged to. letter stated that debt was due by the XXXX of XXXX, funds were taken out of my account without my knowledge or permission on the XXXX of XXXX
Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest.
My current mortgage company, Caliber Home Loans, took over my mortgage in XXXX, XXXX from XXXX XXXX, and they have perpetually miscalculated my mortgage payment / escrow, which has resulted in both insurance and monthly payment issues that have significantly affected my finances. 
Shortly after taking over the loan from XXXX XXXX, Caliber failed to make payments to my homeowner 's insurance company ( XXXX XXXX XXXX ). XXXX sent me notifications threatening to cancel my insurance due to a lack of payment. Several phone calls to XXXX, XXXX, and Caliber revealed Caliber had an incorrect address to which payments were supposed to be sent. For the years XXXX had my loan, there was never an issue. XXXX had passed along all the appropriate addresses and information, but Caliber chose to use a different address. Aside from lost time, we had to pay a large lump sum to XXXX to have our insurance continue while Caliber figured out their issue. 
From XXXX to XXXX XXXX, our monthly payment remained the same as it had with XXXX. In XXXX, XXXX, Caliber notified us of a new monthly payment, which was less than what we had been paying. In XXXX, XXXX, we received notification from Caliber our escrow account had insufficient funds to make payments ; therefore, our monthly payment was increasing to cover escrow costs. This new payment was an increase of {$790.00} per month! This was a XXXX % increase in the monthly payment ... a very significant amount with huge impact to our family budget. When I called to discuss the issue, I was told the error was my problem / fault. The implication was they could not be expected to calculate an accurate payment. Any error in their calculation, they claimed, was my issue for not ensuring they, as a mortgage company, could do proper math. Their error, in fact, was completely omitting payment of homeowner 's insurance. ( ANOTHER issue with insurance ... ). 
I absolutely understand that a monthly payment can change due to taxes, etc., but to change by 37 % is exceptional and egregious. There must exist some reasonable expectation between the consumer and the company ( especially a mortgage company ) that basic calculations are done correctly. Their error reflects institutional incompetence ; their attitude shockingly indifferent. They admitted the mistake, but offered no solutions that held themselves accountable for it. 
I 've never missed a payment. I did not ask or seek the relationship I am stuck in with Caliber. As a XXXX, I can not accept their ridiculous lack of accountability. Their comedy of mistakes has and is affecting our ability to save for our children 's education and our retirement.
I received a denial letter from Chase dated XX/XX/2017, regarding a fraudulent application for an XXXX credit card. This is the 8th application submitted in my name and every time I have received a denial letter from Chase. I am a victim of identity theft so I have an extended fraud alert placed with all three credit bureaus. Chase is NOT following the proper protocol when an application is submitted. They are supposed to contact me PRIOR to completing the approval process to confirm I am the one who submitted the application. In all of these instances, Chase has not done that. They have denied each application without confirming my identity. The representative I spoke to, I believe his name was XXXX or something close to that, said that the letter I received is merely a notification that an application was submitted but with the same breath called it a denial letter not once but several times. There is a huge difference between a notification letter and a denial letter. I 've received notification letters from other companies I applied for credit with and they indicate on their letters that they can not proceed with processing my application until they have confirmed my identity. I 've attached a copy of Chase 's letter. This letter is obviously not a notification letter. It indicates my app was not approved due to bankruptcy, which is a clear indication they ran my report to see that information without contacting me.
showing late which it shouldn't be showing late payments for the account number listed below. Equifax haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXX XXXX XXXX XXXX
XXXX XXXX claimed possession of my legitimate student loan accounts ( XXXX, American Education Services, and XXXX XXXX ) in XX/XX/XXXX. I received a bill from XXXX XXXX  in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the last three years, XXXX XXXX claims that the fraudulent loan is also in default because I have not provided money for the company. This loan is not a valid debt. XXXX Servicing has also failed to demonstrate that I used my pin number or signature to authorize XXXX XXXX to consolidate loans from American Education Services, XXXX, and XXXX XXXX. The company has also used false information to force me to make payments for an account that was not created or authorized by me. The company often sends documents to my post office box and falsely claims that the documents were composed by The Department of Education.The Department of Education is located in Washington, D.C., and the organization does not collect student debt. The address for the company is as follows : XXXX XXXX XXXX ( XXXX ) Department of Education XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX. The company recently filed a false report with the U.S. Department of the Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. The U.S. Department of Treasury/Bureau of the Fiscal Service notified me that the company will retain my tax refund of {$360.00}. The Department of Education has not informed me of my rights regarding the situation, and they have not issued a letter of intent to collect the debt by applying eligible federal payments made to me. I contacted The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. I spoke to XXXX who informed me that my account was clear and no funds will be taken. XXXX informed me to contact IRS to resolve the problem. I contacted IRS on XX/XX/XXXX and spoke to XXXX XXXX. XXXX XXXX informed me that the IRS does not resolve the problem. When I attempted to contact The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX at a later time, an individual named XXXX picked up the phone and asked for my social security number. Once she entered the information, she abruptly hung up the phone. I could not contact a live person on XX/XX/XXXX for the rest of the day. Please be advised that the company ( U.S. Department of Education ) attempted to place false information on my credit report several times within the last three years. The information was removed on several occasions from my XXXX, XXXX, and XXXX credit accounts.
I have been making {$1300.00} payments on my loan for over a year now. my monthly payment is {$610.00} the additional money is supposed to be applied to the principal balance. This month they have changed that and they are making my payment for 2 months and are leaving {$66.00} in a partial payment acct. Now they are saying I do n't have a payment due till XXXX. This creative application of my payment is costing me double interest. if my payment was applied as it normally is my balance right now would be {$43000.00} with my next payment being due on XXXX XXXX instead my balance is XXXX XXXX a partial payment of {$66.00} and my next payment being due on XXXX XXXX. This is a {$440.00} in the banks favor, and if it continues it will be adding months of payments to the back of my loan.
On XXXX/XXXX/15, I submitted a complaint with the Consumer Financial Protection Bureau ( reference case number XXXX ) regarding Wells Fargo Bank. On XXXX/XXXX/15, Wells Fargo Bank responded with written correspondence, admitted to and apologized for their errors, and stated I was not liable for any debt AND they would remove my name from the Wells Fargo Business Platinum Card ( under XXXX ) account ending in XXXX and the Wells Fargo line of credit account ending in XXXX ( Wells Fargo Reference number XXXX ). 

As of today, the Wells Fargo Business Platinum XXXX account ending in XXXX continues to show up on my bank account as still open with a {$12000.00} outstanding balance. 

I have worked with my local banker manager, XXXX XXXX for the past year to resolve this matter ; however, XXXX and I have not been successful thus far. 

I will attach the letters from Wells Fargo along with a snapshot of my bank account which shows the Wells Fargo Business Platinum Card account ending in XXXX as still open, and my email correspondence with XXXX XXXX.
Inaccurate employer keeps reappearing on my credit report ( XXXX XXXX )
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX  Act. # XXXX XXXX   XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.