WillisBack/dataset-financial-user-claim huggingface dataset:
About 10 years ago I established a home equity line through Citibank. To get a reduced interest rate I linked a Citibank checking account to the line of equity. There were no service charges to be incurred for the checking account. Around XXXX 2016 the bank started taking out {$30.00} for monthly service charge. It took a lot of time and effort, but eventually the bank reversed six months worth of the service charges. However, they refused to give me back the {$30.00} that have been charged in the months previously. They had failed to send me my bank statements except you in the mail. They did send me my line of equity statements in the mail. I am requesting that the CFBP tell Citibank to give me back the {$30.00} for each month it was taken out of my checking account. I am thanking you in advance for your efforts on my behalf. XXXX XXXX XXXX and XXXX XXXX XXXX
While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. 
I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. 
I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.
On XX/XX/2018 I receicved a letter ERC stating, : ERC has ceased ALL COLLECTION efforts and will reach out to the Credit Bureaus to DELETE this account. They FAILED to do so!
In XX/XX/XXXX I received an offer from Union Bank to open a priority bank acct ( checking ) and receive {$300.00} if I complied with the specifications. They were use the debit card a number of times within 60 days I think & link to mortgage which is with Union Bank. I get these offers from banks I don't know why but it is easy enough to do it & get free . The deposit requirements were nothing much & no direct deposit requirement. I went to the bank several times to try to open the acct. When they realized I was not depositing a substantial sum they were telling me no I could not do it. Each time I went home & read the requirements and I matched so returned. On maybe 3rd try I got a nice young banker who it turns out did not know what he was doing but he opened the acct. Well I was happy! But time passed & no debit card arrived. I really forgot about it until maybe XXXX or XX/XX/XXXX I became concerned maybe the card was lost in the mail so I think I called- also because no {$300.00}! They sent the card but by this time the 60 day requirement was nowhere on my mind and I went into the bank time after time to try to get it all set. In XXXX I went in for the I do not know how many time and one of  the bankers who had told me in XXXX that it was approved & the $ would be there. Their employee had fouled up & his boss " XXXX '' had approved it. So XXXX I'm back & he calls " XXXX '' and he actually initials the offer paper-OK it is done. No. I mean ridiculous. I go back in because I tried to go on online banking but their employee who opened the acct orig. never put me on online banking so they demanded I go in to the branch to get on. I got a nice banker ( different one ) & he says he will bring it up because now the initial guy is on several weeks training not available till after XXXX XXXX. OK after XXXX XXXX I'm baaaack. He says it's out of his hands it's up to " XXXX '' who is in a different office. Just by chance " XXXX '' is there! He says oh his boss said you never did anything with the acct so they are not going to give the XXXX I sent a letter to " XXXX '' s boss- nothing. I have to point out they had sent me a similar offer some years ago & I changed my mortgage to them & later did another refi. I have done my best to resolve this with them that is why I am here.
In XX/XX/XXXX, I had an accident with a car rented from XXXX. My insurance company paid the claim. XXXX, however, contended there was additional damage that I did n't cause ( was n't noted on the accident report and appeared to be damage caused to the bumper from towing ). In a discussion held in XX/XX/XXXX, a XXXX rep agreed I to not charge for the damage I did n't cause. However, they continued to seek damages for loss of use, even though the repairs to the original damage should n't have taken nearly as long as claimed. When my insurance company and I tried to connect with the XXXX collection department on several occasions to try to resolve the issue, we received no response from XXXX. Then in XX/XX/XXXX, I was contacted again by XXXX with a demand for both the damage I did n't cause and the loss of use. 

Finally, I contacted the customer experience team at XXXX with my complaint and received a response that the claim would be dropped ( see attachment " XXXX email string '' ) and that the collection agency would be advised to drop the claim. However, in XX/XX/XXXX, I received a collection notice from Viking Client Services ( see " XXXX '' ) seeking payment. 

I am registering this complaint because the XXXX collection area has been singularly unresponsive to earlier communications, so I am concerned that the matter will continue to go unresolved unless sufficient pressure is brought to bear to get their attention. Ultimately, I just want to make sure that a ) the complaint is dropped and b ) the complaint and attempted collection is in no way reflected on my credit record.
Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help me?
I have been the victim of ID Theft and have a fraud account that XXXX refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
Attended the now-shutting down XXXX XXXX in XXXX, CA. During my time as a XXXX, I had a car accident and had to leave before my finale year. Upon returning, my federal loans through XXXX seemingly split with Sallie Mae who was now handling them, but these turned out to be private loans. Now, my grandfather ( who co-signed with me ) are paying my XXXX XXXX private loans month-to-month and XXXX says I do n't have to pay until I find work, which I 'm not finding anywhere across the state of California, and Sallie Mae is calling us daily with robocalls to harass us to pay XXXX different loans at once. Initially Sallie Mae told me they would switch me to Graduate Repayment ( interest only ) but this has not happened, nor has consolidation ( XXXX XXXX also claimed to lower our payments but never did ), and I do n't know what to do. My grandfather is the only one generating income and it 's barely enough for us to keep the house, so we do n't know what to do and it seems like other students both from my school and around the country feel like they are being scammed by Sallie Mae.
I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.
Re : XXXX XXXX XXXX They informed me on XX/XX/XXXX that they were closing my account. I have complied with all terms and conditions and paid my balance off every month. Their language on my letter reads " SHOULD not affect my credit rating ''. They refuse to give me an answer why and have stopped responding to my correspondence. I take great pride in my credit standing so this is very troublesome to me.
I was notified by the police that I am a victim of identity theft, so I pulled my credit report. There is personal information on there that has not ever belonged to me : A wrong number and several incorrect names listed with name id numbers. The phone number XXXX is unknown to me and when I call it, it says " customer unavailable to take your call ''. My name is misrepresented 3 times.
Collections Account s Skim d iscover after conducting an investigation in conclusion this account is a result of identity the ft 1. This  account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same deb t 2. Another t hing to note as   is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.
3. When I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by Equifax 4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA form when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation
Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. 
Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? 

Thank you.
Back in XXXX of this year I pull my credit report I notice several things that did not belong to me. I reach out to the companies by mail some of the items were removed and some where not. I have submitted to Equifax over and over over again to remove the inquires and accounts that are not mines. Along with please removed the double account. Equifax say they investigate the issue they do not I know this because I disputed XXXX account that was not mines and the company removed it. Before I disputed with the original company I tried with Equifax and they sent me a letter telling me this was my account when indeed it was not. Also Equifax have my credit profile with double accounts XXXX listed a bill for for XXXX dollars XXXX times - XXXX XXXX has listed a bill for XXXX times for XXXX dollars. XXXX listed a bill for XXXX once all is showing this was open in 2015. XXXX has list XXXX bills for XXXX and XXXX bills for XXXX listed XXXX times. XXXX I disputed with them a few years back and they fail to investigate and respond to consumers to within the 30-day timeframe. I wrote them again in XXXX 2015 they could not even validate they just send a letter back to me. Also under XXXX XXXX XXXX the collection company have listed XXXX XXXX times and XXXX XXXX times and XXXX XXXX times and I reach out to them and these debts they are not showing me in the information they mail me. Also Equifax has XXXX accounts listed in open collections. XXXX - XXXX is listed as open when indeed XXXX sent me a letter back in XXXX or XXXX where they could not validate this to be mines and the letter states they would close this account - I sent the letter to Equifax twice I just sent the letter again on XXXX I sent the letter to XXXX and they did close the account. Equifax has XXXX open collections on my credit profile and my credit score of XXXX. XXXX has XXXX open collection with a credit score of XXXX I still show XXXX XXXX on my profile just not close. I have also request by writing to XXXX and Equifax to remove the dispute status off each account I disputed and they did not properly investigate and remove this never happen. XXXX is totaling to show XXXX and Equifax shows XXXX in debt. I also will like to file a complaint against the collection company that has double jeopardy this has ruin my life. I can fax you letters and any proof needed. I did not want to go this far in filing this. However each and every one of the Credit Bureaus list what they want to and do not investigate anything. And Experian I seen so much on that report I never even seen before and so any inquires. I have sent a police report showing that my computer was hack a few years back and the hacker got all my store personal information and still these credit bureau companies will not help. And these collection companies are double jeopardy me they keep listing the same account can be reach at XXXX. I can not attach my proof I 'm currently at work If you have a fax number or email I would love to send you the information. 


Thank YouXXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXXXXXX
Hi Wells Fargo bank complaint I tried withdrawing my funds to pay my rent on the XXXX of the month, as I always do, the bank did not allow me to do so. 
They placed a block on my card without my permission. 
As I result, this has cost me about {$30.00} in transportation fees. Possibly a late fee on my rent too. I said a prayer hoping that they do n't. 

They said that there are daily limits on my account. I asked for an increase on my daily limit. Wells Fargo declined it. 
I have had my account in good standing for almost 1 yr now. 
There is no reason for the company not to approve the increase. 
It 's a checking account, not a credit card. 

My check is on time every month, and the same amount is deposited. 
All companies are aware of when deposits are coming in from ssa. 

I 'd like to see a withdrawal limit to the amount that I deposit each month on the XXXX. 

I have been working hard to clean up my credit. 

Can you make a change to banks to increase at least the debit card charging to the amount that is deposited into my account each month? 

This way all of my bills will be paid automatically when my income comes in, or most of them. 
I can then get my money order for free at XXXX, instead of paying {$5.00} for a cashiers check, and having to withdraw cash to get a money order. 
I tried quite a few times to make sure that I got it paid yesterday. 
It is their daily limit policy on the opportunity checking that makes it difficult. Especially when I have to work that day, and the bank is closed when I leave work. 

This is much safer than carrying cash. 

Thank you for your time. 

XXXX XXXX XXXX XXXX
Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX
Received XXXX statement with annual fee assessed on XX/XX/XXXX. Called Capitol One 's operator XX/XX/XXXX upon bill receipt, since I have not used this card in almost two years I determined I did n't need it. Not a problem we will cancel the card. Followed up my telecom with a letter mailed XX/XX/XXXX. Yesterday I received a XXXX statement showing the previous annual fee charge with additional late fees etc. Called today, XX/XX/XXXX and the operator said since I did n't pay the annual fee for the coming year I was assessed the late fees regardless of the fact I cancelled the card and the original operator told me since I was cancelling the card there was no annual fee due.
I was contacted by Americollect concerning a small medical bill of {$160.00}. What they did not realize is that this was not my medical collection but my wifes medical collection. I paid for the collection and asked politely to have it removed from all three of my credit bureaus being XXXX, XXXX and XXXX. They have refused to do so. Again legally they have no right to attach a debt to my social security number or my credit report when it clearly is not mine.
I made an ATM deposit on XXXX 2019 at XXXX XXXX in the middle of the transaction the ATM broke and spit out a receipt it reads your deposit has been received your account will be credited upon verification of the deposit if you have questions please call XXXX XXXX to Wells. I called Wells Fargo on the XXXX and filed a claim 12 days later Im still missing the deposit Wells Fargo in no way shape or form is cooperating
Equifax is refusing to take off a account that does not belong to me.. I have disputed this many times and I have not gotten anywhere with them.. 
XXXX and XXXX  has already removed the account from my credit report. 
But Equifax has refused to. 
they keep telling me that the company involved said that the information is correct.. I can't see how this is possible because the others have already removed it.. 
Back in XX/XX/2017 I went to court for a car that was put in my name without my permission, didn't know I was listed as a Co buyer until I was served with court papers saying I was being sued By XXXX XXXX. 
I went to court and explained to the judge that I never agreed or signed anything say I would be a co buyer for any vehicle and the signature is not mine.. The judge dismissed the case against me without prejudice.. I sent this information to all three Credit agencies. 
Yet Equifax has not removed it ...
I have private student loans from Discover Student Loans ( original lender XXXX..The Student Loan Corporation ). XX/XX/XXXX, the co-signer of my XXXX loans filed for bankruptcy. This placed my loans in the delinquent category because of XXXX 's policy and were reported as negative accounts on my XX/XX/XXXX/XX/XX/XXXX credit report even though I was diligently making payments and have continued to do so from XX/XX/XXXX-XX/XX/XXXX. I have been denied online access to my account since the bankruptcy was filed and have been sending in checks each month as an established payment plan in XX/XX/XXXX. XX/XX/XXXX, after reviewing credit reports from all XXXX agencies, I wrote a certified return receipt letter to Discover Student Loans asking them to amend negative accounts since I had not missed payments. This was denied. More recently, I received an email and have been receiving numerous harassing daily calls to repay. Again, a payment plan had already been established XX/XX/XXXX and I have been making payments.
I am filing this complaint because Wells Fargo the amount and interest accrued for my student loan consolidation is incorrect. They are doing this on purpose. I applied for a student loan consolidation through Wells Fargo to consolidate the current loan, I have with XXXX. When I put in the application Wells Fargo had the amount of {$5100.00} on the approved disclosure know that my principal amount plus interest was more than {$200.00} lower with XXXX. There was no loan origination fee connected with the loan. I was told that Wells Fargo usually overpays the student loan to make sure the student loan is paid in full. If the amount happens to be lower after the payment clear they will adjust the loan accordingly. But they are doing the opposite after the loan get approved and the funds got disbursed. 

I put in an application on XX/XX/2018. The loan request agreement was signed and upload to the Wells Fargo website on XX/XX/2018 but the fund wasnt disbursed until XX/XX/2018. It looks like Wells Fargo waited over 10 days to disburse the loan so the interest rate could go up to the amount of {$5100.00}. As of XX/XX/2018 XXXX, still havent received the check sent by Wells Fargo. But I was already receiving statements in the mail for payment due in XX/XX/XXXX. When I log into my Wells Fargos account to check on the student loan, I noticed interest rate has already accrued starting on XX/XX/2018 before the funds was disbursed to XXXX. 

To summary everything, I found something really wrong with this loan with Wells Fargo. First, they have the incorrect amount for the student loan consolidation I applied for in the amount of {$5100.00}, but my principal loan amount plus interest with Navient is more than {$200.00} lower. Second, they are charging me interest on the loan and I am receiving statements in the mail for payment due in XX/XX/XXXX before the check is clear with XXXX. How do they know the amount would be {$5100.00} when the check clear with XXXX?? Since I am still paying down the loan with Navient every month. I make over the minimum payment. So, the principal amount plus interest would be lower. It is illegal to take the extra amount beyond what I owe XXXX so Well Fargo would have to adjust the amount and correct the interest. But they are refusing to do that!! 

I called up the Wells Fargo on XXXX about the student loan and told them the situation but Well Fargo refuse to do anything about this issue. I was connected to the executive office regarding this issue and was assigned an analyst to work on this issue. The analysts name is XXXX XXXX her number is XXXX ext XXXX the case number : XXXX. She is available between XXXX XXXX XXXX Eastern Standard Time. I should be receiving a response from her by XX/XX/2018 before the XXXX holiday. As a result of this, I have no choice but to file a complaint with the Consumer of Financial Protection Bureau. As of XX/XX/2018 my loan with XXXX is still active so now I am stuck with two loans.