WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a Citi Bank card for 6 years and 2 months. NEVER late, NEVER delinquent. 16 months ago I took advantage of a " balance transfer '' offer they had. I set an auto pay to pay DOUBLE the minimum required monthly payment. As I had everything set on auto pilot I would check my account once every 2-3 months to see the balance. Steadily the balance went down. Until XX/XX/XXXX when I looked and noticed the balance went up {$870.00} without me even using the card ( white I was still making regular payments ). I found this alarming so I contacted them. Apparently in XX/XX/XXXX they changed my monthly minimum payment which caused my auto pay to be short and thus Citi Bank charged me an obscene amount of late fees. In addition the changed my interest. All of this with ought a phone call or email notification. This resulted in my credit card balance going up {$870.00} in 4 months without me even using the card for any transactions while I've been paying the card regularly. When I called Citi Bank they refused to do anything.
Today I contacted support and they actually helped out rather quickly, despite, the multiple screenshots I had to send, for them to believe it was my account. Please have my bank  NYBC au thorize for you to receive updates from the account. I really like the lighting speed money function works well and like that the money was debited on the same exact day I got paid. Not much of a compliant I guess but I just want my bank to know to please give updates to  XXXX . Nice app they have so far. Thank you.
Midland Credit Management Inc is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland with supporting documentation and received an unacceptable response from Midland. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). Midland Funding is not my creditor. I have attached a copy of my credit report showing where Midland has inserted a tradeline in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Midland certified return receipt requested.
On XXXX XXXX, XXXX, my card did not work and I called to find out why. I learned that my account had been flagged for fraud. After work that day, I called again and kept a representative on the line while I XXXX out my account. Account was XXXX out at XXXX XXXX. I was told my account was closed and my card could no longer be used. I was told not to use my card and that I would be getting a new card in the mail. I did not use the card from that point forward ; however, my employer did send my XXXX XXXX pay to the account. 

Since I was told the account/card was closed and could n't be used, I do not understand how someone was able to fraudulently charge/debit {$520.00} to the account ; nor, do I understand how the card was swiped when it has never left my possession. 

As I have discussed with Bank of America in numerous telephone calls from XXXX XXXX XXXX XXXX, XXXX ( see communication log below ), I am disputing the following fraudulent charges/debits on my account. 
XXXX XXXX, XXXX {$160.00} XXXX ( XXXX, PA ) XXXX XXXX, XXXX {$200.00} XXXX XXXX XXXX XXXX, PA ) XXXX XXXX, XXXX {$150.00} XXXX ( XXXX XXXX, PA ) Not sure of the time of transaction but I was at work, in XXXX, PA, from XXXX XXXX to XXXX XXXX this day. 

I can honestly say that I do n't believe I have ever even stepped foot in either the XXXX XXXX or the XXXX XXXX XXXX. Furthermore, I had my young sons the weekend of XXXX XXXX. If I go shopping when I have them, it is only for necessities, mainly food, for while they are at my house. I certainly would n't have such a large order, nor would I be traveling to approximately an hour to XXXX XXXX to shop. 

I have been disputing these charges for nearly two months and do n't seem to be any closer to a resolution. Since they now claim they have another 45 days to make a ruling regarding the dispute, I would appreciate any assistance the CFPB could provide.
I reviewed my updated Experian Credit Report ( XXXX/XXXX/2016 ) after getting an email from Experian that there was an update to my Credit Report. When reviewing my Credit Report I observed that Experian has failed to remove XXXX hard inquiries that I have been disputing for a long time. The same inquiries reflecting on my Experian report have already been investigating and deleted from my Equifax Credit Report. Experian delay in resolving this matter is causing a negative effect of my creditworthiness and credit score.
I have been trying to unfreeze my account with Equifax since mid XX/XX/XXXX. It is now XX/XX/XXXX and after 10 phones calls my account is still frozen. I called today and was redirected to call 6 different phone numbers to cancel my account. After 4 hours of calls and waiting to speak to a representative they have told me my account is closed. I have my doubts since for a month they told me my freeze had been lifted. Most frustrating and unorganized company I have ever had to deal with. They have had my finances frozen for over a month and this has been an extreme hardship. They are uncooperative and continue to give the runaround. They do not resolve any issues and give different excuses as to why things were n't completed with each call. Hate them.
I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C. 
This company is harassing me for a debt that has an expired statute of limitation. 
They have sent me a summons to appear in court. 
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX
I had traveled to XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made online payment of XXXX on account balance of XXXX and requested a statement sent to me by email so I can check balance. My account was blocked disallowing me online access after the request, I could n't access online account or reach BoA by the either the toll free numbers from XXXX. 

Late payment was due to my inability to go online to pay on the account. BoA blocked the account access because they thought it was online fraud since I was using foreign network XXXX XXXX to access my account. I had tried to resolve this issue since my return with BoA, unfortunately the representative I spoke with did n't want to hear the effort I had taken to pay on the account balance. I have since paid XXXX original balance ; and have written to BoA to either waived or reduce the late and finance charges of XXXX. I also visited a local BoA office to see if they can help ; unfortunately I was told to deal with their collection agency. 

As of this writing no response from BoA on my petition. I have been a loyal customer since XX/XX/XXXX, I have paid on my account on time, this situation was very unfortunate, and was out of my control. This had affected my credit score created derogatory and negative information on my outstanding credit with all XXXX credit rating agencies. 

I would like your good office to assist me in resolving this issue with BoA to restore my credit score, because it was my very intent to pay on my account during my long absence that was the very reason why I requested for statement be sent by email since I know I will not be around the view my mailed statement. I have never informed any my credit card companies when I travel to foreign countries before. So I did n't know if I had to inform BoA of my trip to XXXX for that matter.
RE XXXX I am not able to log into my complaint.I would like to provide you with an update.The evidence hearing in XXXX XXXX XXXX, Fl is set for XXXX XXXX issue also is when Ocwen sends mail via XXXX the tracking numbers are not tracable.The dispute now is over when the actual foreclosure proceedings were started vs when I received the final HAMP Mod papers to the local address while I was on contract in XXXX.I have the envelope and the return, drop off package receipt both have nontracable XXXX tracking numbers on it.I believe this is done on purpose.I have contacted the Attorney General of Fl.That office also has requested a response from Ocwen.Originally I was approved for a Hamp Mod but it was revoked by Ocwen with the explaination that the paperwork was not returned on time.I dropped it off on XXXX XXXX in XXXX, Nevada.XXXX number XXXX.Tracking number XXXX.
re : XXXX XXXX XXXX Experian CR. 

In XX/XX/XXXX, I requested Experian remove a FIVE year Old public record for a WITHDRAWN/DISMISSED Due to Error Bankruptcy filing done by mistake due to Error AFTER THE XXXX XXXX XXXX XXXX agreed with all CRAs, including Experian, to remove ALL public records that did NOT have all FOUR data points attached to them. 

The other CRAs ( XXXX, XXXX, XXXX, XXXX ) ALL removed the item : XX/XX/XXXX Ch.XXXX filing case # XXXX filed XX/XX/XXXX. 

XXXX XXXX XXXX XXXX. ( XXXX ) reports that as of XX/XX/XXXX, all CRAs agreed to no longer maintain public records without ; 1. all four Data Points : correct name, address, SSN, Date of Birth.

2. that are published victims of ID Theft. ( this BK is ID Theft victim ) 3. That are over FIVE years old 4. That have been dismissed/withdrawn due to ERROR. 
5. CRAs must update all public records every 90 days. not done.

6. in XX/XX/XXXX Experian wrote to CFPB complaint # XXXX that Data Furnisher agreed to vacate this Public Record,  but, Experian failed to update this file. 
7. Maintaining ID theft Victims dismissed BK public record is FCRA & ID theft law violation against Experian. All other CRAs removed it!

8. FCRA prohibits publication of records " filed in Error '' like BK case 9. All dismissed legal actions filed in Error are to be updated and removed from Public Record BY CRAs every 90 days!!!! 
10. Experian has pled guilty in many related court actions to violating the FCRA & XXXX regulations for these 9 reasons and should not be repeatedly violating the law!

MY BK filing was withdrawn by the BK Judge a week after the filing due to ERROR. IT is in the case file at BK court in  XXXX NY and it was sent to XXXX XXXX, analyst for Experian, but, she ignored it. 
My BK public record DOES NOT have my correct address since I was evicted XX/XX/XXXX from my home due to this ID theft action by the the bank. MY SSN and my Date of Birth are not on the court order either.
I have been trying since XXXX to get an amortization schedule from Bridgecrest for my auto loan showing how my payments are allocated on my loan. I kept seeing a very high payoff quote online for my loan, near what I paid for the original loan. I keep getting conflicting information. Today I recieved a transaction history of my payments on my loan which clearly shows that they are not applying my payments correctly to my loan, including 3 payments towards nothing but interest on the loan. I have spoken to them several times about this and the foreign customer service is not understanding my complaint or requests for the payment schedule. I have made several payments well before the due dates to help keep the interest charged to me lower on a daily basis. Roughly around $ 10/day in interest. Please help me with what I believe is illegal practices on part of Bridgecrest. Thank you.
This is a continuation to my previous complaint/claim # XXXX submitted earlier today regarding the following : It is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX. 
Ocwen continues repeating the same answers and enclosing the same documents. 

Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XX/XX/XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX. 
I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX associates ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ). 
Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only one loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month. 

It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time. 
I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
I have, for years now, tried to obtain a modification for this loan. In the very first year of my attempts, I thought I was close, but recurring administrative errors on the part of XXXX nixed my efforts, always at the eleventh hour. 
There followed a series of wrongful foreclosures, six in all, over the next five years. The bank constantly and despite my effortstried to take over the empty lot adjacent to this house, a lot that belongs to me free and clear. I had to hire an attorney, rent the house cheap depredations ensuedspend hours each day, week, month, and year reinitiating the modification process, hoping for closure. 
XXXX then sold the loan to Mr. Cooper who, having done none of these missteps and errors, could not be held accountable. 
All I have left now, after these exhausting years of struggle to keep this property, is a short sale. I found a buyer a year ago, a non-profit company called XXXX, who negotiated the price to their offer of {$230000.00}. Mr. Coopers investors did not want to budge from {$250000.00}. Neither party would change their offer even though they were a mere {$27000.00} apart. 
I have now found a new buyer and am presenting her offer and her loan authorization. There is little time to reinitiate the short sale since the Trustee Sale is scheduled for XX/XX/XXXX, this coming Wednesday. This new buyer is offering exactly what Mr. Cooper requested, {$250000.00} and is approved for that amount plus closing costs. 
Through this short sale, Mr. Cooper will get the funds it wants. 
The buyer will get a house she really likes. 
I will not, at age XXXX, have my credit ruined again by this upcoming foreclosure. 

I am respectfully asking that Mr. Cooper stop the trustee sale of XX/XX/XXXX, and allow the realtor XXXX XXXX of XXXX XXXX to reinitiate the short sale and communicate with you. 
Thank you, XXXX XXXX
The account was closed paid and XXXX  balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
Experian is currently reporting XXXX paid and closed student loans with the XXXX. They are reporting these accounts with a collection status as of XX/XX/XXXX. These loans were consolidated and PAID IN FULL on XX/XX/XXXX. This account was NEVER with a collection agency. It 's NO way that these accounts can show it was in collections a month after it was paid off and closed a month before. I 'm attaching proof from the XXXX -STUDENT LOAN DATA. 
Also they are reporting the XXXX loan for {$150.00} i NEVER had a loan for {$150.00}. I also pulled my student loan history ( attached as well ) and it does not have any loans from XX/XX/XXXX for {$150.00}. This reporting is 100 % incorrect and i 'm asking that both accounts be removed due to incorrect reporting.
I agreed to just applying to see if they would accept me on getting a sears card, ( I did n't know any better ) which I was declined ( rejected ) therefore I figured it was for the best and left it alone. I did my checking and came to find out it shows up as a hard inquiry affecting my credit score. Even after been rejected and never applying again.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
In XXXX I switched banks and used the new banks online bill pay address for toyota financial to pay my auto lease. Unfortunately, toyota was unable to find my payment. It took three months to correct the problem and it resulted in my account being 30 days overdue. I wrote to them in XXXX and they refused to remove the credit notice on my account. Here we are in XXXX and it IS STILL ON MY CREDIT REPORT AND TOYOTA HAS REFUSED TO REMOVE THE PROBLEM ON MY CREDIT REPORT. I spoke with supervisor XXXX XXXX XXXX, and she was steadfast in her refusal help me with this issue. I would greatly appreciate your help in getting toyota financial to remove this blight on my credit report.
Went to Exquifax website and put in my " last name '' " SSN '' and " birthdate '' and it report that they did not have a match for data submitted ... .So unable to enter the site and get free credit report of find out I 'm one of the 143 million people compromised! Help!
XXXX XXXX
I found my American Express Membership Rewards Program account is frozen by American Express Company when I tried to purchase a flight ticket with my Membership Rewards points. Here is the message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

I chatted with their online agent, called the Membership Rewards program agent, American Express travel agent, and an agent from the security team. But, nobody from American Express can tell me why my point account is frozen, and when can I use my points again. People from American Express keeps transferring my call to different departments, the last agent told me she didn't know why my account is frozen and the only thing I can do is to wait. I asked her how long should I wait, and she said I need to wait 3 billing cycles, which is more than 3 months. I need these points to buy flight ticket right, and the ticket price is keeping increasing everyday! Why I should wait 3 months for a unclear reason? Please give me an answer, or least give me a reason. 

Thank you.
The XXXX XXXX XXXX collection company has been repeatedly harassing myself and my husband on a debt ( supposed pay day loan ) that I do not owe. I have informed them to stop contacting me and they continue to do which is not legal. They have also divulged sensitive information related to my " so called debt '' to my husband which is also illegal. I am being harassed during work hours and my family is being harassed. Please help!
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards however no accounts were established. The applications did produce fraudulent related credit inquiries on his credit reports, specifically with Experian. A recent attempt was made to dispute this fraudulent information however Experian sent a reply to our client stating they would not adhere to the request of removing the data due to the fact they believed the activity in question to be suspicious. Meanwhile, a POA and all needed client PII was provided to support the validity of the request. Experian 's failure to provide service in removal of fraudulent data is a violation of the FCRA and my clients federal rights.
please remove XXXX I never was late on anything please remove account from my report account XXXX mortgage
I have been a victim of the inquiry glitch that happened at Transunion. I called the customer service to complain and have them remove those negative inquiries affecting my  credit score , but they would not help.
On XX/XX/2018 I requested a copy of my credit reports from XXXX, Experian, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX