WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to make a certain purchase with my Citibank Double Cash MasterCard. The purchase looked like " suspicious '' activity to Citibank and was flagged causing a fraud alert/hold to be placed on my account. All of this is completely reasonable. What is NOT reasonable is the fact that I 've been trying to get the fraud hold removed from my account for more than a month. For over 34 days I have placed numerous calls to Citibank 's Fraud Department with absolutely no success. I 've been disconnected, lied to, and given the runaround. It 's wholly unacceptable. Citibank insists they can not remove the hold because they can not verify my identity. They said they need a registered phone number in my name in order to do this. I do not have a landline telephone. It 's 2017 and I am 100 % certain that I 'm not alone in this. I do have two cell phones, both in my name. One of which I 've had, in my name, for over 6 years. Still Citibank said they can not use those phone numbers because they do not show in their database for verification. So, one rep asked me if I had another Citibank account they could use. I do and I have that account information only to be told that they can not use that for verification. So the other account which has the same name, social security number, and address can not be used to verify my identity according to them. This is another Citibank account. After speaking with countless representatives, supervisors, and someone who identified herself as a manager, I was told they Citibank can not help me. She said that I have to sit and wait until my phone number shows up in their database for verification. If I 've had this cell phone IN MY NAME for 6 years and it 's not yet in their database then it wo n't ever be. This is wholly unacceptable. I even offered to physically go into a Citibank branch with my driver 's license and the card for physical verification and this person who identified herself as a manager in the fraud department told me that was n't acceptable. That the ONLY way my identity could be verified was through a phone number that appeared in their verification database. This is the most ridiculous thing I 've ever heard. This whole experience has been beyond frustrating. This is the worst customer service experience I 've ever encountered. No one at at Citibank can seem to help me. They all come back to a phone number that must be in a certain database. So now my card is useless.
We bought our home through Wells Fargo in XX/XX/2016. The following XXXX, we received a letter from Wells Fargo saying that we were {$4500.00} behind in our escrow account. They originally tried to blame the problem on me telling me that my taxes must've gone up. My taxes did not go up. Then they told me that I should have a savings account to handle these types of problems. After reviewing the deficit, they realize the mistake was theirs. I was then forced to pay {$4500.00} to get my account up-to-date. I asked them if it would be acceptable if I transferred the money from my account to my mortgage with a note in the memo stating this was for escrow. They told me that that would be fine. I then transferred the {$4500.00} with a note in the memo. I also adjusted my monthly payments to reflect the increase in the escrow amount. Not long after I received a note from Wells Fargo stating that I was {$11000.00} behind in my mortgage. We have never missed a payment, everyone of our payments has been on time. When I called them to discuss the letter I received it was determined they had misapplied my {$4500.00} and somehow managed to screw up my mortgage payment history. After spending some time on the phone with them they rectified my payments. However, just yesterday I received another note from them saying that again we are behind on our escrow. Wells Fargo is a train wreck.
State  of   XXXX   XXXX   XXXX   XXXX   file d a tax lien for approximately {$5700.00} against me in  XXXX   XXXX . I submitted documents to    XXXX   XXXX   XXXX   to establish that I was not a c itizen for tax year  XXXX  and as such did not owe any income tax. In  XXXX ,  XXXX , the  Office of Taxpayer Advocacy fo r Alabama intervened on my behalf to have determination that I owed tax rescinded. Thereafter,    XXXX   XXXX   XXXX   XXXX    submitted paperwork to  XXXX  Alabama court to have lien " released ''.     However, the mere act of lien being filed was detrimental to my credit score. A subsequent status of " released '' will linger on my credit report for  seven yea rs. To remedy this problem, I submitted Taxpayer advocacy documentation evidencing this error made  by   XXXX   XXXX   XXXX   t o Equifax,   XXXX   and   XXXX  .   XXXX   and   XXXX   promptly removed any mention of tax lien from my credit reports ( Please see attached  XXXX  investigation report ). As a consequence, my credit scores increased substantially.     Unfortunately, Equifax has chosen not to remove this tax lien from my credit report. I provided Equifax with letter I receiv ed from Taxpayer Advocacy along wit h business card of revenue agent who can verify particulars of case. It appears from the generic form letter I received from Equifax that no substantive effort was made to investigate this matter.     I am requesting CFPB 's assistance to have this erroneous tax lien removed from my credit report.
I've been working with XXXX credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from XXXX, but we have gotten reports from XXXX   to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with XXXX. Everything has been removed from XXXX, XXXX several years ago.
I have a business checking account at Bank 0f America which was opened in XX/XX/XXXX. As a business owner of XXXX XXXX XXXX XXXX I have clients with established history of monthly payments to my business, in which I make frequent monthly deposits into the account. I made a deposit on XX/XX/XXXX from one of my clients, that I make monthly deposits from. A hold was put on the funds even though, there was never a problem with checks from this individual. This resulted in my business account being overdrawn, and two fees of {$35.00} each was charged to my account.

I called on XX/XX/XXXX to get the funds released, and the Agent was a bit surprised, and said he did not know why the funds were put on hold, and released the funds.

I asked to have the fees in the amount of {$70.00} credited to my account, it was done. However, it was added again to my account.
I submitted a dispute for a {$120.00} medical collection that was paid by insurance in 2015. I provided proof of payment that I received from the creditor. The creditor informed me that they do not know why this is showing on my credit report as it was paid by insurance in 2015 and consider the matter closed. Equifax verified that the item was correct somehow. They could not have given that the creditor provided me proof and says that it is not something i owe. Equifax did NOT properly investigate this item, they did NOT contact the collection agency or creditor as required by law.
Less than a year ago, I unfortunately had to be hospitalized and at the time I did not have health insurance and I was told by the hospital that I would qualify for emergency XXXX based on my circumstances. I have never received a bill or any form of notice. 

A few months later, I was checking my credit report and I was shocked to learn that I had all of this outstanding debt that had gone into collections. I never received/done any business with any of these entities listed in my report. 

The list goes as followed : XXXX XXXX XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Re : XXXX XXXX XXXX Self Lender Account XXXX Dispute I wrote and called to them to request a letter of deletion for my records for this account. I have checked my credit reports for all 3 bureaus and see that the derogatory information from XXXX ( XXXX XXXX XXXX  is partner for Self Lender ) for the above referenced account is still on my XXXX Credit Report. I started this self lender account to help my credit and due to an accounting error in the 1st month, every month Ive had this account opened they reported it as 30 days late. I need this entire account removed from my XXXX credit profile completely and immediately. 
Please forward the letter of deletion to me at my fax number XXXX and also mail me a hard copy. I am in the middle of a very important real estate transaction and this information is causing significant delays. 
I spoke to someone at XXXX about this issue some months ago and the information was removed from XXXX and XXXX  but not from XXXX 
XXXX XXXX XXXX failed to properly setup the automatic withdrawal to pay the monthly amount from the beginning of the process as I requested and setup.
This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX XXXX with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/2019, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. It has been over 21 since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I bought 50 % of a tavern on XX/XX/XXXX. An employee of Wells Fargo notarized the sales contract and added me to the Tavern 's business bank account. The previous partner had to personally come into a branch of Wells Fargo and sign off to be removed from the Tavern 's business bank account. Wells Fargo sent me a debit card for the joint business bank account. My business partner began stealing money as soon as I deposited it into the account on XX/XX/XXXX. I realized buying half this tavern was a mistake & saw an attorney, who set up an appointment with the district attorney. While under investigation, my partner went into a branch of Wells Fargo in early XX/XX/XXXX and told them I was no longer a partner. Wells Fargo did not contact me and did not ask me to sign off the account. ( which I would NOT have done because I'd paid {$20000.00} six months prior to buy half this business & I was a 50 % partner & joint owner of the bank acct ) I could not get into the account online so I went to the branch of Wells Fargo we used. I was told I had been taken off the account & when I showed the teller my debit card, she grabbed it and said you are no longer on this account. Wells Fargo had no business removing me from the bank account, or taking my debit card. My business partner changed the locks on the tavern ; the district attorney decided this was a civil affair & I did not have the money to pay another lawyer. My partner ran the business into the ground by pocketing the proceeds over a period of nine months & I could not do anything because Wells Fargo removed me from the business account I owned jointly and had never signed off of. 
I am not attaching bank records because Wells Fargo already has them. I have all the original POS slips & receipts from XX/XX/XXXX through XX/XX/XXXX which shows the profits of the Tavern & they will be shown to Wells Fargo or to a lawyer.
After reviewing a copy of my credit report, I noticed a collection five accounts placed on my credit report from CMRE. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Thursday XXXX XXXX 2015 I received a phone call from a former co worker stating a message was left for me at my prior place of employment from a " XXXX XXXX '' regarding a " civil complaint '' and referencing a case # and a # to call back. I called that number and got the voice mail of this " XXXX XXXX '' stating the company was Clear Credit Solutions. I have no knowledge of who this " XXXX XXXX '' is or why this person is contacting one of my former co workers about this so called " civil complaint '', not ONCE have I personally ever received a phone call from " XXXX XXXX '' or Clear Credit Solutions. His business practice and communication tactics are unethical and need to be stopped immediately.
For over two years, Equifax has continued to report a one time past due mortgage payment in the amount of {$600.00} from XX/XX/2016. Im not sure if the other two credit bureaus have reported the same. I cant get that information in time. I have repeatedly let Equifax know through their online dispute process that this payment was not late. I spoke with the bank two days  ago and confirmed that fact. During the process for my FHA loan, this erroneous information has caused a significant problem. This erroneous information has also significantly impacted my credit score costing me both loan opportunities and higher interest rates. It must be removed.
SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. 
Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. 
The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 
Thank you.
I called Experian to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,   XXXX   ) that does not belong to me.
when I try to get my credit report I 'm asked security questions like what bank do I have my car loan through and what bank is my mortgage through when I answer none above it says I have answered questions incorrectly when I do n't understand why when I do n't have a car loan nor do I have a mortgage and I have never lived in the states these loans are. So it want allow me to see my credit report
In XX/XX/XXXX I purchased a vehicle. Within 6 months I turned it in to avoid repossession. It was XX/XX/XXXX and I received a notice from Professional Bureau of Collections of Maryland , Inc that I owe XXXX for an old debt. I requested a letter of validation in XX/XX/XXXX. I just received it dated XX/XX/XXXX. It shows loan date of XX/XX/XXXX and then XX/XX/XXXX I believe is the turn in date. It shows no activity for 5 years then in XX/XX/XXXX it shows a payment of XXXX was made ( which I did not make ). Then no activity for 3 years and then it shows payments of XXXX each for 23 payments until XX/XX/XXXX. I made none of these payments. I believe they made these payments on my behalf in order to extend the statute of limitations. This account is 11 years old and should be well past the statute of limitations. It shows XXXX as the balance on page XXXX but on the letter it shows I owe XXXX for a vehicle I turned in after 6 months.
I have been trying for almost 2 months to get information from my student loan servicer about the terms and conditions of my student loans. they have at various points said they would send it then didn't, said it doesn't exist, said they have it but can not send it to me, said they have it but are not obligated to share it. I would like a copy of the full terms and conditions of my loan agreement. I've never had an issue with any other lenders I worked with on any type of loan to get a copy of the full terms and conditions of a loan. I've never seen a contract that was enforceable with only one or two pages of a  multi-page contract but that is what XXXX keeps saying is the case. I am asking for what I have been asking for during this entire issue, a copy of the full terms and conditions of my loans.
On XXXX XXXX, XXXX XXXX XXXX BANK purchased our mortgage loans from XXXX XXXX XXXX. Since XXXX 's purchase has been battle between lender and borrowers. Finally, after a long battle, on XXXX XXXX, XXXX under the Home Affordable Modification Program ( HAMP ) we were qualified to reduce our monthly payment for a fixed rate until Nationalstar Mortgage ( in this year ) got our loan from XXXX. 
Right away our monthly payment made a drastic jump from {$1000.00} plus to {$1200.00}. On numerous occasions I have tried to discuss the situation with the office manager, but he or she is unwilling to cooperate. Finally, I spoke to a loan specialist explaining me it because " California had tax higher collection '' and we need to maintain some amount in XXXX to " pay city '' tax. I was off balance because where they gave such of increasing. They have not sent us a statement or affordable application XXXX. I want to know : If there was an agreement left from XXXX Why they refuse to give us an enclosed ( purchase agreement between XXXX and Nationstar? 
Why they are offensive Why the monthly payment has increased besides escrow. 
In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary.
Hello, I paid for a monitoring service with Experian at Experian.com 3 months ago and immediately l discovered an unknown entry. It has been 3 months and my case has yet to be resolved. I am requesting your help to have the following unknown entry deleted. I have contacted the original creditor but they cant help me because the account is not tied to my personal information XXXX XXXX XXXX Acct # XXXX
I purchased a new home XXXX, XXXX and my mortgage loan was sold to WellsFargo. I contacted WellsFargo in early XXXX, XXXX as it showed that my property taxes paid were {$2.00}. During the phone call I let the company know that my property taxes should be significantly higher. I received a letter on XX/XX/XXXX that my property taxes were past due in the amount of {$6400.00}, which was paid in addition to a " misc fee '' of {$620.00}. I have contacted WellsFargo numerous times for resolution however after 3 months I still do not know anything. I need my XXXX tax statement revised to reflect the property tax I paid in the amount of {$6400.00} not {$2.00}! With the new tax bill I can not have that amount go towards my XXXX taxes. I elected to have my mortgage company pay my taxes so they have a responsibility to pay them timely and not charge me late fees of {$620.00}. This has delayed getting my XXXX taxes completed.
I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!