WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX XXXX Regarding the account closure XXXX described below, I received a call from XXXX XXXX w citi at XXXX. He put us in touch w XXXX XXXX, Executive offices, XXXX. 

Ms XXXX advised there was no way to reopen the card. She promised to open a new credit card acct for us which would have the same credit history and same credit line. She also offered a balance transfer option at 0 % interest for 18 months. There was no mention of date expiration of this offer. Subsequent calls to Ms XXXX went unreturned. I was attempting to set up an appt for a phone call. Weeks passed and then I received a letter stating it was no longer review it for reopen. This is a contradiction to being told there was no way to reopen the card. In response to the XXXX  XXXX XXXX XXXX case XXXX I received a letter from XXXX XXXX dated XX/XX/2018. 

I need the offer extended to me for the new card and do not wish to deal with the application center. Need a call returned to me from someone that can honor these terms. 

Phone : XXXX XX/XX/18 Citicorp XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX Re complaint # XXXX and the attached account closure letter. 

we request the bank reopen this acct. we called as instructed in the letter but were denied. We filed the complaint. 

The bank failed to notify us of an intent to close the acct before doing so. Simply not using the acct is not grounds for closing the acct without advance notice. 

You are damaging my credit score and forcing me to do a hard pull to re apply, further damaging my credit score. 

I will contact the FDIC and the XXXX  if you do not reopen the acct. 

Send a new card or the mastercard which is replacing the visa. send this matter to the president 's office and customer complaints dept XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ny XXXX
I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, XXXX and Equifax. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.
I called JH Portfolio Debt on XX/XX/XXXX and tried to settle my account for {$500.00}. Instead of trying to settle I was threaten. They said they were sending my account to an attorney and I was being sued. Again I attempted to settle instead they came back with an offer of {$660.00} I told them I was on a strict income and could not afford that. They refused to lower to {$600.00} and basically told me I was out of luck.
I recently reported Experian to CFPB for failing to investigate a dispute and they have now done it again with the same item. This process has taken a total of almost 90 days and they still did not dispute the item and this is how I know! The item in question should have never been on my report. XXXX  and XXXX  both investigated the item and " deleted '' it from my credit report because it is not accurate. How on earth, can these 2 bureaus find the information is inaccurate and delete it but Experian somehow finds its accurate and leave it on my report. Also, they refuse to give me the phone number, name and address of the person who verified the information to be accurate. The fact of the matter is common sense will tell you Experian did not do an investigation of an sort. I want this removed from my report immediately! I'm not waiting another 90 days for them to do another so called investigation. Thank You.
I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. 
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. 
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. 
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.
Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX  ) and the debt collector. 

I need to see any documents in its original form bearing my signature. 
I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested. 

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.
I refinanced with the same mortgage company. On the first loan they had listed in my escrow account XXXX XXXX and XXXX. I have a copy of the escrow from this loan. 
When they refinanced, they dropped the windstorm insurance, why? I have no idea. 
Now they had to pay for the windstorm and are passing the blame for this error on my Insurance agent stating that it was there responsibility to inform 1st Alliance Lending. The insurance agent is stating that it the mortgage companies ' responsibility to make sure that XXXX XXXX is necessary especially if it was showing in the escrow on the first loan.
I contacted XXXX and Experian via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that XXXX and Experian both verify their public records data with. Somehow, XXXX and Experian claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both XXXX and Experian have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by XXXX and Experian within the last 3 months to which XXXX was unable to find any record of these companies doing so.
I had my identity stolen in XXXX XXXX and a number of fraudulent credit inquiries appeared on my credit report. The only remaining credit bureau that has not removed these fraudulent inquiries is Equifax. I have called Equifax and they still have not corrected all fraudulent inquiries. Below are all the online disputes I have submitted to Equifax and still there is no action from them. I 've called the companies associated with the credit inquiries and they have sent Equifax multiple letters to remove the inquiries due to fraudulent activity. Equifax still does not remove the remaining fraudulent inquiries. 

Here are all the disputes I have filed to Equifax since XXXX XXXX and Equifax still fails to resolve this issue : XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX
I have disputed the account XXXX XXXX   XXXX on my credit report for months, I asked for evidence proving that the account is accurately reported under my name..Equifax failed to send me, that tells me they did not verify this account. Please CFPB help me out here and reverse the late payment
Over the past twelve months I have been manipulated and stonewalled by both my previous Mortgagee ( Greentree/XXXX ) and now my new Mortgagee ( Ditech ). They have held checks for months submitting some while returning or loosing others, un-applied payments that were cashed, changed the monthly mortgage amount three times and dropped my mortgagee provided homeowner 's policy after I submitted a claim, failed to provide my mortgagee provided homeowner 's policy information and payment details so that I can change it and confirm it is being paid correctly. Throughout this entire time I have spoken with the mortgagee customer service on the phone, over email and fax, as well as in person. They have not once offered clarification for their actions, costs, or how to cure my account. I believe I am currently in foreclosure and this belief is primarily due to third party solicitations I am receiving in the mail. I have been vigilantly documenting everything and following up with both the mortgagee on a monthly basis.
On XX/XX/XXXX I applied for a credit card online with Kohl 's. It was approved for {$300.00} and I placed an order for about {$200.00}. I was checking my account online today when I noticed the balance was - {$280.00}. I owed {$580.00} the exact amount discharged in Bankruptcy on XX/XX/XXXX. They took the {$300.00} and added the {$580.00} which comes out to a negative  {$280.00}.
On XX/XX//19 I tried to request a hard copy of my 3 credit reports from " XXXX '' and had to call 4 times due to the automated system not " understanding '' or my birth date was requested repeatedly until I had to close the call. Uncertain of whether they had the correct information, I requested to view my credit reports online which I learned never to do again. I am a victim of identity theft and due to too many personal questions when I need to make doctor 's appointments as well as the XXXX disaster I froze my credit reports. I requested to view all three bureau 's reports and was able to view XXXX 's report which was fine but when I requested to view my TransUnion report I was asked security questions one of which was ridiculous. The question was a telephone number I used with a land line for a brief time but it has been ten years since I closed my land line account and use only my cell phone from that time to the present. TransUnion refused to let me view my report on line and " alerted XXXX  to block me. When I viewed my history page I was enraged when I read " fraud alert! Fraud alert! They placed a fake fraud alert online due to one inappropriate question and there was no one to contact to correct the situation who understands XXXX English at their off time customer service number ( this was a weekend ). Today I could not get a number in the USA to speak to a fellow citizen which is outrageous. As an American citizen I truly resent a corporation who hides their phone numbers here in the states. Online all they want is to sell some service I neither want nor need-why waste time with a person they can't make money from??? This is a truly " dark '' moment for XXXX Civilization and I'm aware of it's painful demise. Trans Union was once a lovely company but now they seem to be in hiding. They need to undo any damage they caused with the fake online " fraud alert '' created by an over zealous employee! I had a similar problem with their overseas employees several years ago! they must make USA phone numbers available! No one in XXXX or XXXX who works for them would give me a USA number.I feel abused and the treatment I received was contemptible. An apology would be nice but I doubt that will happen unless I pay for it. Horrible!
I have 2 portfolio recovery collections accounts that were XXXX XXXX  accounts that I had removed months ago after disputing them Because they were not my accounts and recently they were added back to my credit and Ive talked to portfolio recovery and let them know that they were not my accounts.

One account is in the amount of {$550.00} XXXX XXXX The second XXXX XXXX is {$370.00} Its also a XXXX XXXX XXXX   account in the amount of {$1700.00} in which Ive been disputing for years and a XXXX   department store account in the amount of {$380.00}.

These accounts were opened by someone else using my info around the same times.
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

This account was removed from my report, and then illegally reinserted to my transunion account. In accordance with FCRA I was supposed to recieve a notice within 5 days that this account will be added back to my report. I believe as an consumer this violates my rights as I have once proved I have no knowledge of this account for the amount of {$570.00}.
My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over XXXX dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter XXXX the put my account on a freeze. By then it was XXXX dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank XXXX dollars but is still on my chexsystems report. Its killing me on getting a car loan.
I paid off a fee owed to my bank last year and its shown up on my credit report as " open ''. I 've checked with the bank, and i 'm squared away. They 're not sure why it 's on my credit report and I 'm not sure why either. I 'm worried this has affected my credit score. Please help, thanks.
Okay on  XXXX   XXXX    XXXX   XXXX   informed me that a collection account was place on my credit report. It says a medical collection the collection is from a hospital visit in  XXXX   XXXX  which was paid by my  XXXX  I called  XXXX  and they informed me that yes they went back all the way to  XXXX    XXXX   and paid bills from when I was n't insured as is required by law! I contacted this company  XXXX   XXXX  and informed them of this as well. I never received any documents letting me know about this suppose debt or anything it just popped up on my credit out of the blue right when I got m y credit score up and ne gative information removed and paid
I have my student loans set up through Navient. I was placed on forbearance during residency. I was told that I would have a 6 month grace period after graduating residency before I would have to enroll in payment ( I do not recall this person 's name as it was many correspondances ago ). I then found out that this was not true. Then while setting up income based repayment I was told numerous different amounts that I would be responsible for. Since XX/XX/XXXX I have been trying to pay my monthly payment with autopay. However, every month so far there has been an issue ; meaning every month I am given an alert saying I have a past due balance and that I should/can enroll/need to enroll in auto pay. Every month I call and someone attempts to fix it, points out that past person 's mistake and tells me it's taken care of. There is no accountability or penalty for Navient and their poor handling of my loans.
i called today to get my XXXX private school loans reduced because the payment went up after XX/XX/XXXX. I make only XXXX month and the payments for XXXX private loans I took out by mistake for XXXX school that I was unable to get into a program in the XXXX area because of the XXXX system. Now I am paying more and more and the rent in my area has skyrocketed. Please help me get them to lower my private school loans at least by XXXX . They did it before they can do it again. Thank you.
XX/XX/2018 The car was in a accident and total the insurance need to come out and inspect the car I explain to usaa that I will not be making a payment the vehicle will be in inspect and when I receive the payment for damages I will make a payment to the loan and work on getting a new vehicle and combine the rest of that loan amount with my new loan. They told me that the car would not be repossessed because it was damaged and I was waiting for settlement but the inspector came out and the car was gone so they denied my claim for the accident
On XXXX XXXX, 2016 I received a copy of my credit report and notice an account from Common Wealth Financial that I do not recognize. I sent a validation letter to Common Wealth Financial requesting information on the account they claim I owe them. The letter was sent on XXXX XXXX, 2016. They have not provided proof that this account belongs to me. I also sent dispute letters to each of the credit bureaus. XXXX and XXXX have deleted the accounts however XXXX continues to report this account.
XXXX XXXX/XXXX  XXXX is listed on my Experian credit reports and these accounts are inaccurate and were paid.
I faxed the information below onXX/XX/XXXX and again on XX/XX/XXXX.  Esch time i called to follow-up it was never received. This is my third attempt. If you have to post this information please remove my personal information. Thanks.
<P/><P/><P/><P/><P/>XX/XX/XXXX From : Consumer XXXX XXXX To : Consumer Financial Protection Bureau Re : PayPal Credit Promotional offer Dear CFPB.
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I received the enclosed email from XXXX  regarding a PayPal credit promo on XX/XX/XXXX. The email instructions were, if I were to make a purchase through XXXX in the amount of {$600.00} or more using PayPal credit at checkout, I would have 24 months to pay off the purchase amount.
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The next day I made a purchase in the amount of {$630.00}. As usual I received a follow-up email from PayPal stating, due to the amount of the transaction I received a promo offering 6 months no interest to pay off purchase amount. I called PayPal and explained that the offer from the email was for 24 months and not 6. The person told me he would write up my concern and bump it up to the investigation team and I would hear back from them through an email. I never received a response so I called again and was told it takes at least 6 days for them to investigate the situation. I waited, still hadnt heard anything from PayPal so I called again on XX/XX/XXXX and spoke with XXXX who this time, asked me to forward a copy of the email to her, so I did. She then transferred me to a supervisor by the name of XXXX, who proceeded to tell me that I was supposed to select the 24 month option. I explained there was no option for me to select from. XXXX said I was supposed to go into the terms of the offer and select from there. I said to her there were no instructions indicating I had to select anything. I said I have never selected anything before the promo just automatically was applied with the option of me declining if I chose to do so.
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My complaint is that the promo offering the 24 months payments with no interest if paid in full at the end of the 24 month promotional date never instructed a selection had to be made in order to receive the 24 month promo. All the terms info explained was the interest rate of the promo would default to 19.99 % on any balance amount that was not paid in full at the end of the promo period.
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I couldnt get anywhere with XXXX so Im wondering if there is anything else I can do about this. I made the purchase believing I was going to have 24 months to pay it off and now I only have 6 months to pay off the balance.
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Today I received a email from PayPal stating that I might have received an incorrect email regarding my PayPal Credit which I have also included. It 's too late to inform me of that now, the order was already placed and I was committed to make payment which is what I did using my PayPal Account. The seller was notified of my paid purchase.
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I appreciate any help or advice you can provide that would help me with this situation.
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Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX  XXXX XXXX phone
XXXX XXXX XXXX and XXXX XXXX XXXX have both sent me to collection agencies after I explained to them both I do not have the cards and are not using them. They need to do an investigation and look into my accounts that they have been taken without my knowledge. 

XXXX XXXX XXXX has reported to my credit, I willingly gave back my car after only 7 months of ownership and it stopped working and the warranty was not lived up to on there side. I could not afford to pay XXXX to fix a car thaty warranty covered.
Affiliated Acceptance is in violation of the Texas Finance Code. Affiliated Acceptance has failed to verify this debt in accordance with 392.202, also they do not have a surety bond on file in the State of Texas which is a violation of section 392.101. They are reporting XXXX accounts on my XXXX report ; I have disputed this with both XXXX and Affiliated Acceptance.
I recently was offered a product by paypal a line of credit which isnt a line of credit. The line of credit is only advanced when paypal feels it should be