WillisBack/dataset-financial-user-claim huggingface dataset:
re Citi Thank You Preferred Card master card via Citicards - account number ending XXXX ( now ending XXXX ) on XX/XX/18 a charge was posted to our account for {$140.00} by a company listed XXXX ( out of XXXX XXXX ). My husband 's XXXX " froze up '' that day and the company called him, saying " ... our virus protection had expired ... '' and we needed to buy this protection right away from them, because it could affect the other XXXX and the XXXX, all XXXX products. My husband was wary of the salesperson 's authenticity, so the sales person said our credit card company would call to verify the charge - and, sure enough, our land line rang instantly saying they were Citi cards verifying the charge. He felt that was ok, and ok 'd the charge. He was alone and worried about the equipment, so gave this company our cc #. 

When I got home, I knew instantly it was a scam - we've NEVER purchased virus protection for our XXXX products. You don't need to. But to be safe, I called XXXX and told them all that had transpired, they switched me to the fraud section and were very concerned a company was doing this so cleverly, especially having the presumed cc company call, because XXXX acknowledged no such virus protection is necessary with their products. 

The next day, knowing this was a fraudulent call offering a product under false circumstances, I called Citi for a chargeback. The CS Rep said no problem, we'll do that and send you a new card, because it appears the XXXX XXXX company made three attempts to put it through and now had the number. 

It's now XX/XX/XXXX and no chargeback or further communication from Citi - so, I called today to see what was going on. One CS Rep sent me to their " fraud division '' in XXXX, the second call resulted in the rep saying, basically, nothing could be done because " ... you can't just take money back from a company. '' She switched me to a " manager, '' who said she was going to check into it and put me on hold while I was trying to talk with her. And no one from Citi has called back. I explained what transpired over and over again, even with XXXX response but nothing.

Speaking with Citi is an exercise in futility, and I'm furious at the way we've been treated by several of the reps - with NO RESOLUTION! We've been a cc holder for 20 years and average $ 3-4,000/per month in charges. We're solid customers. They owe us their allegiance, not some unknown company that's shilling false sales information to unsuspecting people. 

We need help from an outside agency for this unresolved problem with Citi cards.
Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.
I applied to refinanced my home in XX/XX/XXXX with XXXX it was not completed until XX/XX/XXXX the agent at XXXX ask me to give XXXX a call because that is who she had her insurance with and they have a great rates so I called and spoke with XXXX and she gave me prices of {$1100.00} for my premium so my house payment came up to {$550.00}. My loan was sold to Penny Mac and on XX/XX/XXXX of this week I spoke with penny mac because I was trying to find out why my escrow is short {$3300.00} and my house payment has gone up to {$910.00} amount. I had been calling them since XX/XX/XXXX which at that time I had XXXX on the phone with me because penny mac said I needed to speak with my insurance company about this so on that date is when I cancel my insurance with XXXX because they were keep going up on my premium for no reason. I refinance my house for my payments to go down not up not because of my insurance neither. When I spoke with penny mac this week they informed me that XXXX had sent an invoice in for {$1100.00} in XX/XX/XXXX then another one in XXXX for {$2100.00} and they paid that one because they threaten to cancel my insurance so the persons on the phone at penny mac said that XXXX was double paid and they should have been only paid the {$1100.00} not the {$2100.00}, per Mr. XXXX in the escrow department when he was speaking with the lady in their insurance department I did n't get her name because she had a harsh raspy voice but he repeated everything she said to me. so I emailed XXXX and the person I was going back and forward with there is XXXX and she said what XXXX had quoted me was incorrect and they told me that and that is what I was supposed to pay for my insurance and I told her that is not correct and I did not refinance my home for the payment to go up and you all was not offering anything else. I have documentation to show how many times they have gone up on my premium and have incorrect information on my home. this complaint is for Penny Mac and XXXX both or at fault Penny Mac for not paying the first amount and XXXX for sending a double bill and I am having to pay for both of their mistakes and that is not fair to me. When I cancel my insurance with XXXX they return a check in the amount of {$2200.00} that would have been the premium for this year so that amount has been deducted so it left me with a shortage of {$1000.00} for my escrow and I want XXXX to send that check back to Penny Mac so this situation can be corrected they should not have sent it a double bill but when you see what they sent me it was more then double. I pray that this make since.
These inquiries below are not mines. Some of these inquiries were deleted and reappered more than a year later. 




Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 Fnb Bank Inquiry from XX/XX/2017 XXXX Inquiry fromXX/XX/2017
Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. 

So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. 

One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. 

So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.
This relates to complaint XXXX. After I filed the complaint, I got a letter from XXXX XXXX indicating that the account " was charged off due to delinquency onXX/XX/XXXX. '' The Rodenburg Law Firm falsely represented in court pleadings that it was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX  has already charged off the debt.

The XXXX XXXX  Letter went on to say that the " XXXX XXXX   Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX XXXX ( XXXX ). '' And admitted that " XXXX XXXX  no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself.

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, XXXX XXXX XXXX XXXX ) has ALREADY written off the debt for tax purposes?

At any rate, XXXX XXXX of the Rodenburg Law Firm ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX, according to itsXX/XX/XXXXletter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX  and the Rodenburg Law Firm. When I left a message with the Rodenburg Law Firm about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the Rodenburg Law Firm is committing fraud on the court and making false representations in pleadings.

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.
For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the   XXXX   credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until   XXXX   2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
I was improperly charged for an XXXX XXXX flight from XXXX to XXXX on XX/XX/2017. On XX/XX/XXXX I purchased a ticket, ( XXXX XXXX ) for {$240.00}. When I arrived at the airport on XX/XX/XXXX the airline agent mistakenly informed me that I did not have a reservation. They informed me that my only option was to purchase a new ticket, ( AA XXXX ) for an additional cost of {$360.00}. On returning home, I found that XXXX tickets had been changed to my XXXX and paid to XXXX XXXX. Although the XXXX ticket was purchased under duress and fraudulent circumstances the XXXX agent would not process my request to stop/recover payment stating that I could recover only the {$240.00} cost of the original ticket. Thus the airline and XXXX profit from their error and I am being compelled to pay the extra cost as well as suffer the inconvenience of a 5-hour delay.
Rushmore Loan MGMT SER reported on my Credit report ( see XXXX report attached ) and it does not belong to me. I requested a thorough fraud investigation by XXXX  and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.
My account was unjustifiably closed by form letter. I am concerned that this will negatively effect my credit rating.
XXXX XXXX, Equifax and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}
I 'm writing in regards to Navy Federal Credit Union wrongfully shutting down my credit card account that was n't delinquent and not re-issuing me a new credit card after the expiration date of XXXX, XXXX. I 've been a member with Navy Federal for 17 years and I opened my first credit card with Navy Federal in XXXX. Since XXXX I have been a good steward over my Navy Federal Credit card account. I 've had a few late payments here and there but I 've always made sure to contact Navy Federal about any account issues from my end. I 've been very consistent with my credit card payments with in the past two years and I even made a lump sum payment of {$1500.00} on my credit card payment. The total amount allowed on this credit card was {$2500.00}, the balance was around {$400.00}, and the account was n't delinquent at the time I received the attached letter. My question is, " Is it lawful for a bank to close and not re-issue a credit card account that is n't delinquent or late based off of your credit score? ". I 've paid off several loans with NFCU including my XXXX car loan. And I feel violated that they would close my credit card account when I 've been paying on time. If this is unlawful I was wondering what legal actions I should take?
Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.
I have in previously called Experian Credit Bureau in three occasions and explained to them that there are XXXX hard inquiries in my credit report that I have not authorize, any credit institutions to run my credit for obtaining any type of personal credit, I have send to Experian an letter. 
which explained to them as follow. I recently pulled a copy of my credit report and noticed the following information are in error ; Credit Inquiries : The FDCPA states that the only way permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance or d ) court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : ( listed all the companies that have pulled your credit, whom you did not give permission to do so ) 1- XXXX XXXX XXXX XXXX 2-XXXX XXXX 3-XXXX 4-XXXX 5-XXXX 6-XXXX. 
Please remove those inquiries from my credit report immediately : I have a endorsed copy of mu driver 's license as a proof of my identity. 
This was the letter I have sent to Experian and until this day they have not comply as the FDCPA explained I did sent this formal letter certified with a receipt return on XX/XX/2016 via USPS. 
I have been very patient with Experian they are not cooperative to me and so many others consumers this can not be continued in this venue, I demand a very deep investigation to my allegation to Experian from The Consumer Financial Protection Bureau. 
I deeply did not want to do this complaint but it seams that there is no hope from Experian in helping consumers of their concerns. 
Also in the same envelope I sent another letter to remove previous Addresses they show on my report my current address is XXXX XXXX XXXX, XXXX, TX XXXX any other address in incorrect so they need to fix my personal information. 
Again Thank You.
This is a complaint against Equifax. In XX/XX/XXXX, I had a legal name change as I am XXXX. At that time, I had my social security card updated and all other legal documents. I submitted these documents to all creditors and credit reporting agencies. For the past three years, I have struggled with Equifax continuously refusing to update my information even though I have provided this information repeatedly. In XX/XX/XXXX, I applied for an apartment rental and had a freeze on my account with Equifax. I called several times over the course of the next three weeks to attempt to have this resolved and was denied access to my own credit file, as I believe it has fraudulent information on it, as the " Security Questions '' they asked me are not accounts that I have ever had. When I inform them of this, they simply deny me access to my file and refuse to help me. As of XX/XX/XXXX, after applying for a Mortgage and being informed that AGAIN, Equifax has placed a freeze on my account, I submitted an ADDITIONAL request that they update my credit file, IN WRITING Via Fax. I followed this up with a written letter to the XXXX XXXX XXXX XXXX, and CC 'd Equifax 's dispute department, with a complaint and request for my file to be updated. As of XX/XX/XXXX, upon Equifax refusing to update my information yet again, I Submitted this request again via fax. 

In the meantime, I have submitted 3 online disputes with Equifax, one of which I was given confirmation number XXXX. I submitted disputes online the week of XX/XX/XXXX, the week of XX/XX/XXXX, and XX/XX/XXXX. I have requested my file be updated in EACH of these WRITTEN requests, and requested copies of my credit file/credit report IN WRITING in each of these written requests, each fax, and every single time I have spoken to one of their representatives on the phone.
When I took a payoll advance with this company, they arranged the payment date as part of the agreement. They deducted a payment from my checking account on the wrong date ( outside the agreement ) which caused me to incur overdraft/returned item fees. I contacted the company and they asked that I send proof of my bank statement showing the debit they made, and the overdraft and NSF fees. I faxed a copy of my statement as agreed. They reviewed my info admitted the withdrawl was made from my account on the wrong date due to an error on their part but they were not willing to cover my overdraft/return item fees. They specifically said it was going to be a " wash '' which I understood as satisfying the payment. I was charged fees from my crediters for bouncing checks in additional to my bank fees. 

This loan originated over 7 years ago from a bank account that I had to close per my bank 's request to ensure they would n't attempt to debit my account in the future. 2 days ago I was notified about my credit report for a collection that was added to my credit report. I called the company but all they can tell me is that they took over the collection and I must pay them half. I tried to explain my bank will not issue a proof/statement after 7 years. They destroy all checks and statements. But they still insisited in proving my case or they would not remove it from my credit report.