WillisBack/dataset-financial-user-claim huggingface dataset:
Citi Bank credit card dispute department reversed a conditional credit TWICE by mistake. I called at least 5 times and spoke to different Citi customer service reps, but nobody had made any corrections. 

Original purchase date : XXXX/XXXX/16. Merchant : XXXX 
I returned the item in XXXX, but merchant did not issue credit in a timely manner. I called Citi master card and citi master card gave a conditional credit on XXXX/XXXX/16. 

The merchant subsequently gave a credit on XXXX/XXXX/16. 

Then Citi reversed the conditional credit TWICE on XXXX/XXXX/16 ( posted to XXXX/XXXX/16 ) thus caused me out of money for {$50.00}. 
I called on XXXX/XXXX/16 and spoke to Citi service rep XXXX ( ID # Sdk XXXX ) and XXXX understood the issue but she was NOT able to find anyone from dispute team to make correction. 

On XXXX/XXXX/16, I talked with dispute team member XXXX online, XXXX also understood the issue and apologized for Citi 's mistake, but he had limited access thus he was also not able to submit a credit. 

On XXXX/XXXX/16, I called dispute team and spoke to dispute team manager XXXX, XXXX also admitted it is Citi master card 's mistake in taking away the {$50.00} conditional credit twice on XXXX/XXXX/16. However, XXXX also told me she had no authority to give a credit, and she had to forward this issue to Citi investigation team to handle. 

I spent 40 minutes to speak to each Citi customer service rep and chatted online at least 4 times but I had been transferred from agent to agent as if they are kicking me as ball, all agents admit Citi 's mistake but nobody is able to make a correction of the error. I need this issue to be addressed immediately!!!
Issue Incorrect information on my credit report : Account terms Describe what happened so we can understand the issue ... 
I have contacted Experian in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items and collections accounts on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct.
there was a loan posted to an old Checking account of mine since then I have been receiving phone calls to while at work at all times of the night and morning I 've asked them to stop calling my phone but they still continue what do I need to do they keep calling from all types of phone # 's
No legal validation for this collection. Requesting actual account and chain of assignments to show ownership. NON ASSUMPSIT binding both parties. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX send via certified mail to this company. They are in violation with the laws. The Credit bureaus and also in cahoots with these people. This is an unverifiable account. I have made several attempts to deal with this matter. I want to know who is the agent for this company XXXX XXXX XXXX
Equifax was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX XXXX Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold Equifax responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.
I am unable to access any of my bank accounts or money for the past XXXX hours at Ally bank due to them taking their systems down for unscheduled extended maintenance. The bank does not have an estimated time for their systems to be fixed and can not make my money available for withdrawal via an ATM, leaving me without access to any of my money.
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.
what happen was trusted someone with a lot money in exchange for them to pay me back with in couple months but they never did
I was already enrolled in classes for the XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX College XXXX XXXX. As a result it was my understating, From Nelnet representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XX/XX/XXXX on my credit score on that student loan account when I was clearly  enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring XX/XX/XXXX so I can register for the Fall XX/XX/XXXX semester.
It is with great frustration that I continue to request and look for help. Its been over two years that I applied with wells fargo and their American servicing compnay for a loan modification and as of yet I can not receive any help or understanding of my circumstances. I have provide several packages with all documents requested for their review. The office of XXXX XXXX XXXX who is my attorney requested status report on the file and they state the file was reviewed with in the five minutes that the request for status report was done. My number XXXX gold is to keep our home. However, the main reason that caused us to default in our mortgage was because I lost my employment and at the same time my father in law passes on and we incurred the expenses of the funeral. 
I have let Wells Fargo -American servicing know that we XXXX return to full time jobs and feel that a loan modification would benefit us XXXX. I have provided up dated documents .They keep rejecting our request and claim that due to guidelines there is no other option then to short sale our home or deed I lieu. Why can they at least do a forbearance. .. I want my house. We are in foreclosure and they are looking at setting a sale day. What can we do? My wife and I are both employed. Give us a chance to proof we can handle the mortgage.
I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.
While in school, my XXXX loan was taken out of deferment due to a miscommunication between my school and servicer. It took several phone calls and emails to correct the situation with XXXX. Now, approximately three months later, I 've just received a past due notice on a XXXX loan that should n't even be in repayment yet - I graduated four weeks ago and have a six month grace period. Nevertheless, XXXX has sent me this notice and has yet to respond to my email that was sent on XX/XX/2016 addressing this error. As it was a very complicated and drawn-out procedure last time I tried to work with XXXX, I 've chosen to escalate this situation to the CFPB.
To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the attorney general office. 


XXXX XXXX XXXX Acct # XXXX EXPERIAN
This debt was resolved in a bankruptcy filed XX/XX/2017 and remains in collections on my credit report. I would like it removed.
They are a Florida company using a XXXX PA area code with a changed last for digits to get past my call blocker. I know this because I called back to get there automated message and did research on there company, Diversified Consultants. They have been doing this over the last mouth, starting on XXXX/XXXX/2016, the most recent call, using the number listed, being today, on XX/XX/2016. I did my research and I am SURE I owe nothing as far as debt is concerned. They have no reason to be calling me.
This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance. Then have been reporting me late for 7 months straight. I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing
This was from a Doctor in California. I provided all of the necessary insurance information as well as XXXX XXXX Account ( XXXX ) information for them to take care of any bills that may be mine. To my knowledge I did not have a balance. I was never contacted by the Doctors Office or informed i could dispute. 

Now it has popped up on my credit report and I have been receiving an overwhelming amount of harassing phone calls in an attempt to collect on a debt that is not valid/ was created out of negligence from the doctors office. The phone calls need to stop and this debt needs to be removed from my account immediately.
They called at  XXXX  on  XXXX   XXXX ,  2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.
I have receiv ed 100 's o f calls from various numbers - most predominantly  XXXX  and  XXXX . The recorded message intimates that student loans can be forgiven. When you press through to the person, they ask for your student loan ID, which is a  SSN  for most people. They then try to sell you a bogus service. I have asked them repeatedly to stop calling. Apparently this is  one  of those " work from home '' scams - so not only are they attempting to scam me, but those who are calling are also victims of a scam. The phone # 's on caller ID are all spoofed. Please do something - this is widespread fraud against people who are already subject to the fraud committed by  XXXX  and similar service rs (  XXXX , Mohela ) who  frequently attempt to scam customers as well.
I have already dispted inquiries on my credit report with Equifax that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want those inquiries listed above removed immediately.

The responses I keep getting from Equifax is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist.
I opened an account with Suntrust Bank and less than a month later they closed my account and froze access to the funds without warning. No one is able to give me an answer after talking to multiple agents. First I was told I would receive a letter in 7 - 10 business days along with a check for any funds that were in my account. They froze access to my account on XXXX XXXX and my first direct deposit to this account was scheduled for XXXX XXXX. I was told they received my direct deposit and it is being stored in a warehouse. I called back today on XXXX XXXX because I 've received nothing from the bank. I was told they did not close out my account till XXXX XXXX and it will take 7 - 10 business days from that date to receive any funds in my account. Please help me get my money back.
Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. 
Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )
I had an accident XX/XX/XXXX, and state farm issue a check which was in my mother in law name, however upon her signature I deposit the check into my account to get the car fixed. This was done on XXXX/XXXX/2016 and to this day going back and forth. Regions giving me misinformation about they were returning the check to getting a call stating they can hold up to XXXX years to the check was return by state farm and no funds deposit. In speaking with a bank rep. I called state farm who advise they clear the check, and could not reissue another because the check was clear, however no funds was deposit into my account by regions but yet they still are holding the check. When speaking to any rep at regions they all have different stories, and now saying they have XXXX years. Heck no either dopist or send back to state farm. I would never refer anyone to regions, and I am closing my account.
I have been private loan paying for 13 years but the balance is still more than $ XXXX. I am getting sick of this debt and want to escape from this nightmare. Would please help me??
A collection item fro m Wakefield Associates appe ars on my credit reports. The item, in the amount of  XXXX , is from  XXXX   XXXX . The item was opened in  XXXX ,    2011 ; six  years ago, when insurance should have been filed.    Wakefield Associates di d not contact me about this matter so that I could dispute it.
I am currently {$100000.00} + in debt because XXXX College took out multiple loans under my name. For XX/XX/XXXX alone I have 5 loans taken out totaling {$20000.00}. XX/XX/XXXX I have 4 loans out for a total amount of {$18000.00}. I have tried contacting the collection agency where my account is in and no one will give me information other than the total loans I have. The current collection agency names, XXXX told me to contact Federal Student Aid, then I was asked to contact the collection agency for " better assistance ''. I do n't understand how you end up paying XXXX for a XXXX XXXX XXXX for a college that no longer exists. Where can you dispute this kind of problem!
I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file XXXX10 years. did I ask how long it stays on? No I did n't. I have already complained to the XXXX for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Experian reinsertion : XXXX XXXX
XXXX/XXXX/2017 - called Navient to request forbearance, due to the fact that I do not have money to pay and I am past due by 118 days. They stated that I would have to pay {$100.00} ( {$50.00} for each loan ) to put my loans in forbearance, which I can not afford, because I do not have the income to do so at the moment. I was questioned about how I was paying other bills, and asked if I had someone else I could borrow from to place the loans in forbearance. I explained that I do not have anyone I can borrow from. Navient told me there was nothing they could do to help me until I had money to place my loans in forbearance. I also asked if I would have to pay an additional fee to keep my monthly loans in forbearance. Navient said yes, I would have to pay another {$50.00} per loan to keep in forbearance, at the end of each month. I told Navient I would have to call back, because I do not have the funds at this time. The support agent said I could schedule a payment for up to two weeks in advance. I explained that I would still not be able to make any payments in two weeks. I will not be able to make any payments for at least 3 months with my current income status. Navient support agent said she would note it in my account, but the collection calls and credit reporting would continue until I was able to make the minimum payment of {$50.00} per loan to place the loans in forbearance. I asked if there was any way to place my payments on an income driven repayment plan, and the Naviant service agent said no and that I was on the lowest payment plan of {$140.00} per month.
I

am writing this letter in response to late payments showing on my credit history from Nelnet on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I found out these late payments where on my credit when I pulled my credit report on XX/XX/XXXX Once I was aware of the late payment status I logged into my Nelnet account online. I was sure that I had applied for forbearance during that time period and didnt understand why these late payments where on my account. However to my surprise all past account billing and forbearance letters had been removed from my online account from XX/XX/XXXX and back. Since I did not have any documentation listed there I decided to contact a Nelnet agent. When I inquired about the forbearance for XX/XX/XXXX I was told I was cover from that month to XX/XX/XXXX. I then ask why I would show late payments, and the agent then seemed confused and hesitant to inform me that my account was reflecting incorrect information. She just went on to say that I had missed the payments and they were valid, but could not explain the forbearance approval and how they could report missed payments during that forbearance period.

On XX/XX/XXXX I contact Nelnet once again to request a complete billing statement for the year XX/XX/XXXX to XX/XX/XXXX. I was informed again that there was a forbearance approved within XX/XX/XXXX. I requested that documentation but was informed that since it was not showing online for some reason that it had to be approved by another department before it could be sent to me. I was also informed that it could take up to a week before being sent. On that same day I decided to check my student loan information on the XXXX XXXX XXXX website. That is where I found that each of my loans that Nelnet services where showing a forbearance status. They are not showing missed payment or delinquent status.

I am requesting the investigation of this matter due to the fact that my loan status is showing forbearance status on each individual student loan. I dont feel that Nelnet is following proper procedure when it comes to updating the credit bureau and are reporting my information incorrectly.

Also I have attached the MyStudentData report showing each of the fifteen student loan accounts that Nelnet services. Each loan has the date highlighted in yellow before and after showing the status of the loan in Repayment before XX/XX/XXXX, then forbearance on XX/XX/XXXX, and then forbearance XX/XX/XXXX.
XXXX ' trees down in yard. tore down electrical, cut up about 60 % of trees that were XXXX % left to be cutup. wind damage and blew down fence on North side of property. trees knocked and blew down XXXX ' XXXX and gate and destroyed. damaged XXXX tarps covering boats on property with electricity off water pipes froze and broke in apartment - ruined carpet. tried to heat inside of apartment with kerosene heater. painting in process. holding check for itemized items from insurance adjuster to fit their needs
I continue to get calls from some company about a " file against me ''. They refuse to send me a verification letter, as well as give me a physical address so as to send a C & D letter. This seems to stem from a supposed payday loan. They are also calling family members.