WillisBack/dataset-financial-user-claim huggingface dataset:
I 've had a student loan with  Citibank  since  XXXX .  Citibank  wrote me a letter in early   XXXX   XXXX   informing me that effective   XXXX   XXXX   XXXX  , my loan would be transferred to another lender  (  XX/XX/XXXX  ) . However, when I attempted to contact  XXXX  after that date, they informed me that they had no record of my loan. I believe that my loan was paid in full sometime  in  XX/XX/XXXX , but I have not been able to get in touch with anyone at Citibank to receive confirmation of the status of my loan. Citibank has shut down their online customer services, so I can no longer log on to my account. Citibank has also shut down its call-in number, so it 's impossible to get a customer representative on the phone. I 've written Citibank a letter asking for information regarding the status of my loan, but have not yet heard back. As my lender, my understanding is that at the very least, Citibank should be requi red to provide information to me about whether my loan has been paid off or if not, who it has been transferred to.
I attempted to get a lower interest rate on my HELOC that BOA was advertising. After spending weeks answering questions and filling out paperwork the bank told me my house was not worth {$120000.00}. Therefore, they could not give me a line of credit for {$100000.00}, which was way more than I wanted to borrow. However, they would not give me the lower interest rate unless I could borrow up to that amount. I told them never mind but then they told me my old HELOC was no longer valid and made me sign for a new one I did not even want at a much higher rate. 

There is no balance on this account and I tried to close it because it was increasing my debt to income ratio. I called " XXXX '' on XX/XX/XXXX and she informed me they would close it and when I asked about any fees, she told me there were none associated. Reference # XXXX. I went to the bank a few weeks ago and talked to XXXX XXXX. He explained that my LOC was never closed and when we called their department, they claimed I had to pay a {$74.00} fee. I did not have my reference number. 
Subsequently, ( XX/XX/XXXX ) I called and spoke to XXXX at BOA. I provided the reference number and explained the situation. He told me it was a county fee and I had to pay it. I asked for a supervisor and was left on hold for over ten minutes. When he returned he said the supervisors were too busy to speak to me and too bad pretty much. Therefore, I thanked him and advised him that I would file a complaint. 

Significantly, I had went to XXXX a few months after applying at BOA for a HELOC and they estimated my home 's worth at 150 - 165,000. As a result, I think that BOA is conducting a bait and switch scheme by offering low HELOC rates and then duping the applicants into believing they do not qualify or their home is not worth enough. I have excellent credit so they could not disqualify me there, instead they claim my house isn't worth anything. Consequently, they then talk you into a much higher rate. And just to add insult to injury they want a fee of {$74.00} when I try to close it. Why had XXXX said there were no fees and now all of a sudden there is one? Also, don't they record your conversations for quality assurance? That's what the recording says ...
Capital One I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
XXXX XXXX, XXXX I called to have late fee removed because I had not been late before. Unfortunately I was told no because my account is closed. 
I asked to speak with someone else who also told me the same. I asked to have those terms sent to me so I could read them for myself. XXXX refused stating I need to verify my address. Not realizing she never verified who she was speaking to when we were connecting.
XXXX is once again attempting to collect on the bogus final payment of {$160.00}. XXXX contacted XXXX XXXX XXXX., XX/XX/2016. The case no. was XXXX and case No., XXXX. 

After corresponding with both the cfpb and XXXX, I received notification from XXXX that " We ( XXXX ) consider this matter closed as of XXXX/XXXX/2016. '' Now this same bill for {$160.00} has been assigned to another debt collector FBCS at XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, PA XXXX. The FBCS Case No. is XXXX. 

XXXX failed in their notices to me and to XXXX to identify the billing period associated with this expense. The equipment was returned prior to the next billing cycle, and my XXXX connection was disconnected prior to the start of my next billing cycle. My final XXXX bill of {$11.00} was paid and check # XXXX because that is what I owed XXXX. This check was cashed as well. No explanation was given for the next charge of {$160.00}. 

How do I stop XXXX from the continued harassment and bogus debts they insist I owe? Please help me and stop XXXX from this type of attack on my credit. 

I now have to notify the FBCS within 30 days and explain again that this is a bogus billing for which XXXX has no valid explanation. Otherwise FBCS will deem " this debt to be valid. '' I do n't want to be dealing with this problem for the rest of my life and I will not be pressured and coerced into paying a bill I do not owe. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX
Wakefield & Associates, a debt collector in XXXX, continues to report debt that is over 6 years old. 

Per A.R.S. ( XXXX Revised Statutes ) 12-548, debt over 6 years old is not allowed, by XXXX law, to be reported as a delinquent account/debt.
XXXX is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. Dept of EdXXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. Place in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due months of XXXX XXXX - XXXX XXXX
I 've been a loyal customer of PNC Bank for 10 plus years. Recently, they have started charging overdraft fees for pending transactions even when cash deposits have been made promptly and prior to these transactions clearing. I even have a flexible spending account linked to my primary checking for overdraft protection. This does not matter to them. After speaking to customer service serveral times, they can not explain these overdraft fees and just state that they are valid. PNC Bank has stolen several hundreds of dollars from me in the last several weeks. Blatant theft from loyal customers or any customer for that matter is not only outrageous but disgraceful.
On XXXX/XXXX/16, I went to Bank of America and made a deposit of {$4300.00}, at a teller station. I was given a receipt with an available balance of {$6400.00}. I then stopped at the ATM as I was leaving the branch and made a {$40.00} withdrawal, followed by an online transfer to another Bank of America customer in the amount of {$2500.00}. Bank of America is now claiming that I did not have sufficient funds in my account for the transfer and is using my overdraft protection and charging my BofA credit card in in the amount of {$500.00}. On XXXX/XXXX/16 I made another online transfer to another BofA customer for approx {$1800.00}, for which BofA is again claiming I didnt have sufficient funds for and is again charging my credit card for a subsequent {$100.00}. This Unfair as I was provided a receipt showing my available balance having sufficient funds for the XXXX transfers. BofA is attempting to increase my credit card balance by {$600.00} unfairly. They should not be allowed to clearly violate both UDAAP and Regulation CC by holding my funds for more than the law allows. Under Reg CC the funds need to be, at a min, available the next day. I have attached both the receipt i was provided and my online activity showing how BofA has processed my transactions. I attempted to call BofA, but they just reiterated what the activity is showing. I 'm sure BofA can look at the daily branch journal ( the deposit slips ), video cameras, to see i was in the branch and made a deposit. I want BofA to correct this error and fix their systems to prevent other unfortunate people from having to deal with this. What if someone does n't have OD protections - then they are hit with fees? How can BofA be allowed to get away with such CRIMINAL activity?
We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?
first credit service contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.
Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. 

Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.
My mortgage is served by Chemical bank and after filing for bankruptcy the have begun reporting that my payments were not made even though they have been. I believe they are doing this to prevent me from rebuilding my credit even though I have not missed a mortage payment ever. I feel this is unfair and believe something should be done to stop this for me and everyone else.
Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.
XXXX keeps saying they fixed the problem, but it still show incorrectly that the account was settled for less than the full amount. ( see highlighted portion of XXXX XXXX   response ). 
This is costing me {$88.00} per month in extra payments on my mortgage. It's been incorrect since XX/XX/XXXX. XXXX keeps apologizing, but hasn't fixed it. I'm getting tired of waiting. My next course of action will be in court. I will try and recover damages for my payments due to their negligence. FIX THIS!
Last year, I filled out a card application for a US Airways Credit card. BUT I never submitted it. I gather that it was left at the seat and some airline employee submitted it for me. When I received the card I immediately canceled it. BUT a hard credit inquiry was made by Barclays Bank in XXXX Delaware which stays on my Credit report.
Company reported a non valid debt to the credit bureau. Debt validation was sent via certified mail ( tracking number : XXXX ), and they have yet to respond. No idea who this 'debt ' belongs to or why it 's on my credit report. Account ending in XXXX.
On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as " Disputed '' except now reads " Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.
XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
I am no longer living in the USA. I have {$38000.00} remaining in an account at Wells Fargo that I need to transfer to my new account abroad. They refuse to raise a {$5000.00} online banking daily transfer limit. The only way they say I can do this transfer is by going into a branch which is obviously not an option. They are doing this so that they can repeatedly charge me wire transfer fees for multiple {$5000.00} charges. I have been trying to get them to raise this limit for 2 months now. They are holding my money hostage!
Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??
I received a personal loan for {$300.00}. The company received the first payment by automatic withdrawal. Due to other companies trying to get money from my bank account, I had to close the account and report identity theft. I notified the company as to what occurred and agreed to pay the balance of approximately {$220.00}. in ( 2 ) payments of {$110.00} estimate. I considered it to be fine, but the next thing I know, I'm being sued for ( 4 ) times the amount owed. It now stands at {$930.00}. The company ( Wharthog Ventures LLC ) received a default judgment, knowing full well that I was not going to be able to make it to XXXX, Idaho. I'm quite sure they have managed to do this to many consumers. I wrote to you several months ago and never heard back from you. Please assist me with this matter.
Good day all ; Please review the below dispute at your earliest opportunity.     Warm regards,  XXXX   XXXX  Consumer Source of Information : The  Huntington National  Bank  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Consumer ID :  XXXX  for  XXXX   XXXX   XXXX   XXXX  This account was included in a chapter  XXXX  bankruptcy i n 2010. Th is account should not only be removed from the credit report, it should be removed from check systems as well.     Further note that the address being reported for this account is inaccurate because the correct address is as follows: XXXX   XXXX   XXXX    ,    XXXX  , MI  XXXX  this when the account was open.
An account was opened in my name and countless transactions were made between  XXXX   XXXX  and  XXXX   XXXX . The charges were over {$30000.00}. I have been unsuccessful in attempts to ge t Capital One to resolve this issue. Capital One  was sucking money directly out of my  XXXX  account. I am trying to recover as much money as possible. A police report has been filed.
My identity was stolen in 2014 and accounts were obtained as a result of mu identity being stolen. I have contacted the company and informed them that the account did not belong to me yet they refuse to remove the account from my credit file. However the company as acknowledge that the account was opened due to identity theft and has placed a fraud alert concerning this account. they have sent several packets for my to fill out, sign and date, and have notorized as well as send in a police report concerning the identity theft from which I have done.I have disputed this account several times yet they keep responding back to me that it was verified, yes it is being verified under my social security number from which was stolen. hint hint ... .Identity Theft!!!!!
There was inquires from Discover Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help
BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE!
I received mail from EQUITABLE ACCEPTANCE, stating they would help me consolidate my loans and enter their forebearance/Repayment Plan. From what I was told, I would not be paying XXXX ( my original Federal school Loan company ). After signing documents, I allowed them to access my XXXX account my temporarily lifting the freeze. I then was being charged by XXXX and Equitable acceptance at the same time for my repayment plan. which equitable acceptance told me would NOT occur. after emailing asking about this, I never received a response by phone or email from any equiptable acceptance representatives. I took it upon myself to call XXXX and asking why I was being charged by then when I was consolidated by equitable acceptance. That 's when the XXXX representative named XXXX explained to me that I have been scammed. She proceeded to tell me that I need to call my bank and change my account number so they will not ever charge me. I did call my bank and will be changing my bank information. I also have filed a dispute with XXXX. I am afraid that once they find out about this, they will still try to use my social to access my bank information.
Collection was paid to XXXX. I disputes on XXXX and still listed as open and no remarks about it being paid.
I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer.
I sent in a dispute on XX/XX/2018. I have not heard back from them. The FCRA requires them to respond within 30 days.