WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, and I have XXXX mortgage accounts with Citimortgage, and the XXXX mortgage is being reported to the credit bureau incorrectly. Because of the incorrect report, I am being prevented from getting any additional credit line from other creditor like XXXX bank. On the XXXX mortgage there is XXXX amount due until 2024, and yet Citimortgage is reported on a monthly basis the full loan amount is due to all the major credit bureau. Citimortgage is reporting {$24000.00} due on every month when in fact my due amount is {$0.00}. I applied for a credit card line of credit to XXXX bank, and I was denied on a basis of " Obligation is too high base on my income. I have asked Citi Mortgage to correct the reporting on many occasion, but there research dept is refusing to correct the reporting. I am seeking the help of CFPB. Citimortgage has no right to misrepresent my record which prevent me from receiving additional credit line approval. This mortgage has been in existance for 22 years, and now I am getting wrong reporting on my behalf which cause me harm financially.
Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then.
XXXX established a relationship with GE Capital for what is called " PayPal Smart Connect Debit Card '' ( MasterCard ). I was given a {$300.00} credit limit. The relationship was transferred XXXX to Synchrony Bank XX/XX/XXXX. Hence, the new company has instituted policies that undermine the original relationship with GE Capital. 
My complaint is that Synchrony Bank without written notice XX/XX/XXXX changed my credit ceiling limit down to the exact amount of the unpaid balance of {$130.00}. I use the card for Business & Personal expenses and it is tied to my Social Security number as a Tax ID. Thus, they used my credit report to make the decision. As a result, I closed the account and forfeited my privilege of credit towards my XXXX purchasing. I feel the decision was unfair because I had no payment delinquencies. Now Synchrony Bank is still demanding the minimum {$25.00} monthly payment on a CLOSED ACCOUNT. I intend to pay off the balance, but do not feel there should be a penalty ( late fee ) or demand of {$25.00} since the account can not be used and this is just to payoff a closed account.
XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work.
I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX
i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me someone in XXXX for a condo in my name and skip out on the lease costing me XXXX on my credit report i have spoke with XXXX county hundreds of times and they told me that it will remain on my credit they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this
Dear CFPB, I filed a complaint against TransUnion two days ago, XX/XX/XXXX, regarding an account listed as XXXX/XXXX  XXXX XXXX on my credit report ; complaint # XXXX. In my complaint I requested information regarding how TransUnion validated an account with XXXX/XXXX XXXX XXXX that was purportedly sold to Navient in XX/XX/XXXX. 
This evening ( XX/XX/XXXX ), I received an alert from three credit monitoring services that I use stating that a new negative trade line account was reported BY TransUnion. I looked at the account and TransUnion updated the account from PAID/CLOSED to OPEN/60 DAYS Late, dropping my credit score 50+ points. 
I do not believe this account change was done by accident, I believe it was an intentional act of retaliation by TransUnion as a result of my initial complaint, two days ago.
On the XX/XX/XXXX and XX/XX/XXXX i faxed documents proving my identity to Equifax.On both occasions they have denied receiving any fax although the fax had reported successful transmissions on numerous occasions.I have been trying for months now to retrieve my credit file in order for me to process my home loan.On one occasion the agent had said they had no information on my credit even though i have years of credit history that has been reported to them.I am at a loss now because my actions go nowhere.I have read other similar reports online and seems like Equifax 's practices are putting their clients at serious risk.
Somehow Equifax seems to have verified some information, That XXXX  deleted. XXXX  deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Equifax somehow verifies it.?? 

XXXX XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Equifax is in violation of the FCRA, XXXX Deleted the same item that I challenged at Equifax.
I got letter saying XXXX XXXX was going to garnish my wages. Im single mom on welfare and I can not afford {$86.00}. Im fine with the garnishment but last time you took. {$10.00} pay out and I would be okay with that again. I am willing to pay my debt. I also was never notified about this until, my employer told me.
I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.
I 've contacted the 3 credit report bureaus XXXX XXXX, XXXX XXXX, and Experian XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, XXXX XXXX, and Experian! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up.
Impacted by Equifax security breach. My information has been compromised due to insufficient security measures. My information is collected by this company without my consent and sold. Now it 's also been stolen by unknown actors.
On XX/XX/XXXX, I deposited a check via BB & T s mobile banking app. It was set to be released on XX/XX/XXXX. On XX/XX/XXXX, I realized I was hit with 6 overdraft fees. I spoke with someone in my local branch ( XXXX, SC ). I was informed that when I submitted the check, instead of them not making the funds from the check available, the deduct the amount of the check deposited from my available balance. Not only did they deduct that amount, but they sent my account into a negative balance. Meaning any bill payments set to post on that day, received an overdraft fee on XX/XX/XXXX. I had funds in the account to cover any purchase/bill payment prior to depositing my check. Now they will not waive those overdrafts. They also took my entire first check causing me to be late on house bills.
On XXXX XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.
I have banked with Wells Fargo for over thirty years. During this time I have had a line of credit account that was linked to my checking account for overdraft protection that did not charge a fee for transferring funds to checking. On XXXX XXXX 2016, I called the XXXX line to see if that account was still in effect. I spoke to a banker who said she could n't give me the information but could connect me with someone in credit who could give me that information. Before making that connection, she suggested that I could change my link to my savings account rather than the existing account. She did not inform me ( and may not have known ) that this would be a permanent change or that I would be giving up my grandfathered in no-fee contract. When I was passed to the person in credit she told me that my account was still a no-fee account, but that she was unable to make a connection to that account. So she reconnected me to a banker whom I asked to please reverse the change and connect to that account. The banker said that this was not possible. So I asked to speak to a superviser. The superviser also said that this was not possible and read me a contract for a different type of account saying that the contract I had had did not exist, when it had existed just a few minutes before. I said that I thought that in Minnesota I had the legal right to reverse the change and he said I should speak to my local bank. The next day, XXXX XXXX, I went to the local bank. The person looked at my account and said that my account had not been changed after all. But on Tuesday the XXXX I found that I was charged for a transfer. So I called the banker who said I needed to talk to someone in the Line of Credit department who could surely reverse the situation. After several calls ( in one of which I was told I to hold while the person found the number and then they never got back to me ) I was given the line of credit number ( XXXX ) and spoke to a credit person who said that although the account is still active, there is a rule that change to such an account can not be reversed. I can not believe that the link to an active account can not be restored, especially to a customer who has been with the bank for 30 years,. Furthermore, when the reason the change was made was due to ignorance on the part of one of their personnel and a lack of informing a client of the implications that were specifically being requested, it seems that the bank has the responsibility to reverse the change.
Some time in XX/XX/XXXX, or somewhere close to that year, these two men a XXXX one and a XXXX one came to me and told me that they were going to put a lien on my house after they asked me if I had a house. I told them that I was not paying the debt because I had no income or job. They had me to sign something to which he told me that they would place a lien on my house if I did not pay the debt when I got a job. In XX/XX/XXXX, I got a job and was working on paying some people that I had borrowed money from and was going to add the law suit in as soon as I could. However, without contacting me that had a Sheriff to serve a garnishment at my job to embarrass me. They set an amount without notifying me of {$310.00} or something like that. I went to the court to file a slow payment because of these people continued viciousness I don't know what to do. Since I filed to pay {$20.00} a month I have done just that and on Friday, XX/XX/XXXX, some lady called and asked to speak with me and started asking for my social security number and date of birth and address and I would not give it to her. I asked her what did she want with me and she needed to verify the call or she would have to disconnect the call. We did this back and forth twice and I told her I was not giving her any info I didn't know her or why she was calling me. I then disconnected the call. She stated she was representing XXXX and XXXX and phoned me from XXXX. I am paying the garnishment to Capital One via the Collection Agency and they should not be contacting me.
I had already submitted a complaint with XXXX XXXX. In response to the first complaint, I received a letter from Bank of Texas ( see attached ), that the 30 day late reporting on the mortgage, had already been corrected. The letter was dated the XXXX of XXXX On the XXXX of XXXX, I had my mortgage company pull a new credit report, however the XXXX day late reporting in XXXX of XXXX is still reporting. 

So I went to an actual Bank of Texas branch here in XXXX XXXX with my realtor. The branch manager said she could n't help us and that I needed to call the number on the letter. My realtor asked her if she  could just show some sympathy and help us with the situation, it would be greatly appreciated. The branch manager responded with sarcasm that she could n't help XXXX while rolling her eyes XXXX. So we left and on the way out, were stopped by Security, who in turn informed us that we were banned and no longer welcome on the premises. We were shocked. We did call the number once we left, but it stated that the number was incorrect. When you call XXXX ( which is the number on the bottom of the letter from Bank of Texas, see attached, it gives a message that - the number has been disconnected ) So we have no idea where to go from here? The local branch is refusing to help us and has banned us from ever going there again and the only number we were given from XXXX XXXX, XXXX XXXX on the letter ) is disconnected. 

This is the only thing that stands between me and buying a home. My husband is 100 % XXXX Veteran and our current living conditions are not sustainable for his long term needs, so we are desperate to get into a home. 

We are only asking for Bank of Texas to right a wrong. The 30 day late should never have been reported, and I just feel that Bank of Texas is not really being responsive or actually correcting what they stated in the letter was already been corrected. 

Please Help!
I had got a car loan with a company called Santander USA. I had asked for advancement on my loan because i had to relocate to an apartment they gave me a month then the company said i would have to pay in 30 days. So i did that then. They turn around and tryed to charge me interest. Then i made double payments in the same month and none went to the pricipal. Then they told me i owed them XXXX dollars off of one payment of additaional intrest then they caimed to the intrest.. I called to work things out they told me they were going to repo your truck then they said your 2 months behind then i asked why hasnt anything been appiled to the pricaiopal payment. there answer was you owe XXXX  dollars. 

Im sending in regrads please help. that this is clearly predatory leading.
In his XX/XX/XXXX letter, XXXX XXXX stated : " Over the next few months we will be introducing enhancements to improve how we communicate with our clients. These enhancements will include a new Mobile Messaging feature and an enhanced XXXX Chat experience. As part of that plan, we have disabled the send a new message option on Citibank Online effective XX/XX/XXXX. Please visit Citis contact us page for other contact options. We are working to continuously improve the Citibank online experience and will be reintroducing a new way to message with us in the near future. We apologize for any inconvenience this has caused you. '' Citibank will be reintroducing a new way to message in the near future. When is the " near future. '' What is the specific DATE that Citibank will be reintroducing a new way to message?
XXXX XXXX has indicated it has finished its investigation, however, they provided a report that is clearly incomplete. I have submitted a second dispute, and believe this company is now in clear violations of the FCRA. My intent is to sue. This company continues to indicated areas where I have never lived in, and reporting on them ; in addition, they have deliberately and intentionally phrased what my former employers have stated. I have evidence to such disregard by statement directly from my former employers.
On    XXXX   XXXX   XXXX   I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with  XXXX  for years and have always paid my bill, and they had not received a bill since   XXXX   XXXX   I logged into   XXXX   XXXX   website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on   XXXX   XXXX  , but have no communication from   XXXX   saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  XXXX  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the   XXXX     account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report,  XXXX  days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
XX/XX/XXXX my student loans entered repayment. I received statements for payment from all of my student loan holders except for one : College Loan Corporation. I never received one statement from them. All of my other student loans were paid as agreed. Eventually I contacted that company because I decided to consolidate my loans to make repayment easier. At that point I was advised my account was in default. I was awed because I received NOTHING from them. The loan was paid off almost immediately, XX/XX/XXXX. Now I have a delinquency on my credit report which I is unfair. Me not receiving the statements ever was extremely deceptive and predatory. The loan has been satisfied for five years with any applicable fees covered.All I ask at this time is for my good name to be restored and my credit repaired due the College Loan Corporation 's error.