WillisBack/dataset-financial-user-claim huggingface dataset:
I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I really hope you can help me ; there is inaccurate information on my credit report. Im not sure what information you require regarding each account, I will add the account/ account number and the date opened. Please correct and update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. This is really affecting my credit report and my life negatively. I WAS NEVER LATE. 
XXXX XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
On XXXX XXXX, XXXX, I realized that my core checking account at Bank of America went into overdraft after being charged a $ 12 monthly maintenance fee. I then noticed I was charged the same $ 12 monthly maintenance fee on XXXX/XXXX/XXXX. I called BOA at XXXX to understand why I was charged a monthly maintenance fee and I was told that letters went out in XXXX XXXX that certain waivers would now be charged for this account if it fell below a daily balance of {$1500.00}. I requested that I be refunded the {$24.00} for the maintenance fees so that I could close out that account and that I did not receive the notice about the new fees. 

I was told by a supervisor by the name of XXXX, employee ID XXXX, that the fees charged would stand. I explained to her that I did not receive such notice and if I would have, I would have closed out the account at that time. Since BOA had a correct mailing address for me, she refused to waive the {$24.00} in maintenance fees. This account was opened on XXXX XXXX, XXXX and I have never received any monthly maintenance fees on this account at all until XXXX XXXX, XXXX.
XXXX XXXX from Transunion was unable to help me remove 8 fraudulent inquires on my credit report. She asked me the names of injuries I was calling about and when I told her the names of them she said she could not disclose any of results of the dispute by phone. I verified all my information and she still stated that she could not help me. I asked to be transferred to a supervisor. After 5 minutes, I was then transferred to XXXX XXXX. Again, I had to say all my information such as Address, Phone Number, and social security number. I was a little nervous doing this as I feel I just gave out all my information. I realized that the last names of the people that I just spoke to had the last names of colors. I voiced my concerned that I was concerned that this might be a scam. I asked XXXX where they were located and she said that we were on a secured line and this call was being answered away from the united states. I am really worried not that I just gave out all my information to a potential scam artist. I am upset that I have been a victim of identity thief and it is very difficult to get Transunion to delete hard injuries that were not done so by me. I am now struggling to fix my credit by this credit bureau. I had asked XXXX when I would receive the dispute information on the 8 inquires that I placed on XX/XX/2018. XXXX stated that it was completed and sent yesterday on XX/XX/18 and should have gotten an email regarding the disputes. I told her I had not received an email yesterday as she stated and asked if it could be resent to my email address. I had to give her my email address since she said she could not give me any information out. XXXX did say she can send me a copy of my credit report in the mail that I should receive in the next 5-7 business days. XXXX also gave me a number for supposedly the online dispute department to see if they can help. I am very worried to give that number a call since I feel like this credit bureau, Transunion is scamming me and not helping me fix my credit as I have been a victim of identity thief. They were not able to send the results of my dispute via email. When I called the online dispute department, I spoke to XXXX XXXX and had me say all my information again. She did confirm that I did call in today and said the 8 dispute inquires have been resulted and that a new credit report will be sent to me in 5-7 business days.
Account Number : XXXX ( XXXX XXXX XXXX BANK {$440.00} ) Account Number : XXXX ( XXXX XXXX BANK XXXX XXXX. {$460.00} ) Account Number : XXXX ( XXXX BANK {$1800.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA. 

I have been more than fair and more than patient regarding this matter. This is my last attempt for you to make right regarding this collection that you wrongfully placed on my credit report. I have started the draft of my complaint to the CFPB with complaints for not notifying me of the collection you placed on my credit report, giving me the right to dispute this debt, not responding to my request ( FDCPA Section 809. Validation of debts 15 USC 1692g ), as well as the list of damages this has caused me personally and financially.
Client wrongfully denied a XXXX HAMP loan modifcation. He was denied by PHH Mortgage because they say he did not successfully complete a previously HAMP offer. He never accepted or was offered a previous HAMP modification.
Well fargo wo n't apply my payments when they are received. I had file complaint number XXXX with consumer finance and Well Fargo reported the payments where applied and credit agencieys were notified. Now the next payment I made goes to unapplied just like EVERY PAYMENT i 've made for three years!!!!!!!!!!
Dear CFPB officer. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to XXXX XXXX XXXX, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus yet. I received an email from Citibank that a tax form was missing ; however, the personal banker mentioned to me that he had all the forms when he opened my account. I went to the branch and another personal banker told me that he can see that all the requirements were met and I should receive the bonus. Two weeks passed and I didn't receive the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. This visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter.
On XX/XX/2017, I reviewed my credit report with Transunion and noticed several accounts and inquiries were removed off my report. Not only were they added back on, they are reporting negative. I did not receive a notification of any kind that all of this was going. I called and spoke with XXXX supposedly the supervisor in the special handling department. She was very rude and determined that I fax in proof. I 'm in the process of repairing my credit to buy a home, and I can not afford them picking and playing with my credit.
On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.
Over two phone calls, I asked Citi associates to remove a large amount of interest acrued over 18 months of my unemployment, totaling {$560.00}. I did not ask for all the {$560.00} to be removed, as I understand they are a business.

A. But I am basically have to pay {$560.00} because I was unemployed. I am not doing that. That's ridiculous. That was 1/4th of my total balance. What? 

B. I have made two payments of {$1400.00} ( XX/XX/18 ) and {$840.00} ( XX/XX/18 ). 
I am not running from my debt. I am paying it. 
I am simply asking Citi to be reasonable about forcing an unemployed person to pay {$570.00} worth of interest, which at the time was 1/4th of my account balance. That's ridiculous.

C. I have shown good faith and paid the majority of the account. I did not go bankrupt or let my account go to collection agencies. Citi got their money back.

D. I have called Citi card twice to attempt to get them to be reasonable. I was shut down both times. I called their Client Resolutions phone number, as that's the department that deals with unemployed customers. They did not want to help. 

I want fair resolution to this matter. 
Please help.
I had fallen behind on 2 payments with JcPenney so I contacted customer service on XXXX/XXXX/XXXX to explain and worked out an arrangement to reverse my late fees so the balance would come down. At this time I also created an online account in order to keep up with my account activity. My credit limit was only {$100.00} and I had not used the card for purchases in about 5 months but made a payment in XXXX at a local store in XXXX Fl which has since closed down in XXXX. On XXXX/XXXX/XXXX I went into the closest physical store which is about XXXX miles away to make a payment of {$100.00}. When I got home I logged into the account to see if the payment had posted and been applied to the account and that 's when I saw the banner showing the account was closed and to continue making payments. I was not notified that by the company when I called on XXXX or when I made a payment on XXXX. I contacted customer service today XXXX/XXXX/XXXX to inquire why the account was closed and she told me it closed on XXXX/XXXX/XXXX and it was n't because of payment history but a review of my credit report. I managed this card well for over 2 years and when i call to make arrangements they close my account. I was already approved for the limit i had based on my credit worthiness. They should not be able to take that away. The credit report if monitored frequently should only be used to determine increases not to close an account that 's already open. This impacts my credit negatively.I have attached the chat transcript from XXXX/XXXX/XXXX.
Hello, I have a mortgage with  Citizens One  home loans and a checking account with Citizens Bank, a stipulation of obtaining the mortgage, from which the monthly payment is automatically deducted. On   XX/XX/XXXX  ,  Citizens One  tried to pull the regular monthly payment from the account, but there were insufficient funds. On the online banking, there was actually a negative balance and I thought that the overdraft protection took care of it. Then, the funds were returned. Then they tried again. I transferred enough into the account to cover it on   XX/XX/XXXX  , but it took  XXXX  business days to clear, and  Citizens One  tried AGAIN on   XX/XX/XXXX   but they had n't arrived yet. My funds cleared on   XX/XX/XXXX   but  Citizens  stopped taking the payments and reported me lat e 30 da ys for   XX/XX/XXXX   and  60 d ays for   XX/XX/XXXX  . The funds sat there and the bank did nothing.     The result has been devastating : My credit went from the high  XXXX  's to  XXXX .  One creditor closed an account on me. I am now applying for a new m ortgage, and it is going to cost  me tens of thousands of    dollars more over the life of the loan because of this mistake.     I have contacted  Citizens One  on a number of occasions. Their response is that they had sent me letters. I was not in New York from   XX/XX/XXXX  -  XX/XX/XXXX   so I did not receive their letters. They said they made phone calls. I did not receive any phone call from  Citizens One . I asked why they did n't email me and they said they do not email. I asked why they did not take the funds from the account when they clearly saw them in there. One woman said they have " nothing to do with Citizens Bank. '' ( I was obligated to open this account when I got the mortgage, but then they have " nothing to do '' with  Citizens  Bank  ).      Today I spoke with  XXXX   XXXX  at  Citizens One  and she maintained that she * can not * my credit report because " they payments were late. '' I agree, the payments were late, but *only because the bank did not collect the funds from the account. * Since the mortgage was opened in   XX/XX/XXXX ,  the mortgage has been paid on auto-pay. You ca n't stop accepting payment and then tell me I am late! These marks are devastating to my  credit score  and history and completely unfair and untrue and do not paint an accurate picture of my creditworthiness. You can see by the attached Citizens Bank checking statement that they kept trying to take the funds and that I transferred the funds. All was well by the  * XX/XX/XXXX   of the month* and then it escalated to being late  30 days then 60 days! This is not an accurate picture of what happened.
When  XXXX   XXXX  let navient take over the loans..  XXXX  was navient and the other was navient/ dept of education..  XXXX  different loans both has the same account number. I send the payment to both at the same time every month. I pulled up my loan payment on both and see where one is paid on the day it should have but the other is held until a day later and the late fee is applied. This has happened multiple times and when I call it is difficult to explain which account I am calling about because they both have the same account number.
I disputed items from XXXX XXXX and XXXX and were removed from all 3 credit bureaus. Now a new collection company seems to have bought all these debts and re inserted these I was never notified that these would be put back on. 
Portfolio recovery 3 are XXXX XXXX 1 is XXXX
I keep receiving threatening, harassing phone calls from " XXXX '' " XXXX XXXX XXXX '' stating they are going to have me served court papers and have me arrested for non-payment of a payday loan from 2012, as they are stating they have converted this into a " bad-check '' case. They keep calling me from phone # XXXX, again, being very rude and threatening.
I took out a federal loan on XX/XX/1992 at the time I was only XXXX years old and had no legal guardian present to authorize the loan. The school in question XXXX XXXX XXXX XXXX located here in XXXX is now closed and has been for quite some time due to these fraudulent practices. Since then I have experienced extreme financial hardships and have had several of my federal taxes seized and offset. The loan was a stafford loan and one of the lenders was with XXXX and now Pioneer credit corp is the agency trying to collect this debt. The loan has been handled by several different agencies in the past and continues to haunt me. I dont feel I am legally responsible for this loan due to my age at the time and desperately need this matter resolved forever.
XXXX XXXX has failed to provide me a copy of statements after mutable attempts, XXXX XXXX have not given me a copy of records of all payment that I have made with them.
For the winter of XXXX, I purchased my home heating oil from XXXX. 

I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made. 
Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received. 

Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything. 

I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}! 

I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account. 

I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season. 

I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency. 

I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX. 

I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint. 

To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money. 

It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}
i was not living in the usa at the time ... i was living in XXXX..there is no way it is reporting accurately
I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
On XX/XX/2018, XXXX XXXX XXXX ( XXXX ) contacted my daughter and left a very detailed message regarding someone serving a summons on me between the hours of 3-5 regarding a suit that has been filed against me. My daughter has no affiliation or knowledge of any  debt that belongs to me. My daughter was frightened that I was going to be arrested. I call these people back and spoke to a Ms. XXXX. She advised that someone would be serving a summons and documents upon me either at my home or employment and that I would need to have my Human Resource manager present while this supposed service was taking place. She continued to threaten me that a court date was imminent and fees would be compiled on top of the initial debt. As I pressed her for more information, such as when and where was the suit filed and what documents was this person serving she hung up on me. Supposedly this conversation was recorded. If it was not recorded or if the recording was not retained, I do still have the voicemail message that was left on my daughter 's cell phone. 
I called back again, because I wanted to get this debt resolved. I spoke to a man named XXXX XXXX. He also insisted that someone was going to be serving a summons and documents on me. I advised that I did not see any lawsuits filed against me ( I have access to the court website through my employer ) and he told me that the paperwork was being sent in immediately for the filing of the lawsuit or I could resolve the matter with him. I succumbed to his threatening and pressuring tactics and made arrangements to split the debt into two payments. 
On XX/XX/XXXX, I checked the website that was provided on the contract that was sent to me and I do not think that this company is a legitimate debt collection company. I again called XXXX XXXX and advised him that he needed to cancel the second payment and that I would be making a complaint against him, Ms. XXXX and XXXX XXXX XXXX. He then offered to completely wipe out the debt if I would not make the complaint. the account number provided to me is XXXX. 
The tactics used by this company are against the Fair Debt Collection Practices Act. Specifically, Section 807, 2.A, False representation of the legal status of the debt ( see above ) ; Section 807, paragraph 11 - I had not received any initial communication from this company regarding this debt ; Section 807, paragraph 13, advising that a process server was attempting to serve a summons on me ( which did not exist ). 
I have filed a complaint with my bank to try to have the initial payment retuned to me as I feel this company is completely fraudulent.