WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I went on the Citibank website ( Citibank.com ) and accessed the Bill Pay feature to make a payment to my XXXX XXXX XXXX credit card ( Card # XXXX ). The eBill payee was set up as XXXX XXXX XXXX in XXXX, DE and funds were supposed to be remitted immediately. On the last page, the website stated XXXX/XXXX/XXXX as the payment date when the payment would be taken out of my checking account. I remitted {$110.00} from my checking account with Citibank to pay my XXXX XXXX XXXX credit card. On XXXX/XXXX/XXXX, {$110.00} was taken out of my checking account but nothing was posted to my XXXX XXXX XXXX credit card account. I called customer service at Citibank at XXXX and spoke to XXXX, a customer service supervisor overseas who told me that the funds were disbursed to XXXX XXXX XXXX and could never be reversed. She told me that it will be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX which is a Monday because XXXX/XXXX/XXXX was on a Saturday. She also told me that she would call XXXX XXXX XXXX to confirm that the funds were en route to the right account but she did not. She then transferred me to a customer service supervisor at CItibank in the US who stated that the transaction can not be reversed and the funds will be posted to my XXXX XXXX XXXX account on the next business day. I then called customer service at Citibank at XXXX on XXXX/XXXX/XXXX and spoke to overseas customer service representatives who told me that the funds would be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX, I checked my credit card account with XXXX XXXX XXXX and noticed that the funds taken out of my Citibank checking account were not disbursed as promised.
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report.
XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.
I am trying to remove myself from an un founded Loan that ha s not been completed with the  XXXX . The bAnk wo n't allow this despite me loosing my job and going overseas
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX XXXX XXXX XXXX credit cards from XXXX XXXX Bank, XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX credit file.
Navient is the loan servicer for my wifes student loans, FAFSA, we have been making payments on these loans for several months but Navient keeps sending the checks back to us and changing the address where we need to send them. I have been trying to sort this out with them and I am getting no where. they have since ruined my credit because they say my payments have been late. I am getting fed up, they now are telling me they will not except checks anymore and only debit or credit cards will be the excepted form of payment. I should not have to give them a personal debit or credit card number because this only gives them the right to invade my bank account or credit card account to steal money. All I want to do is pay these loans as agreed, why are they so difficult to deal with? they are rude, and down right hostile about any inquiries I made, and they call up to twice a day sometimes. this is really unethical and I am fed up with the whole thing.
Signed up for an XXXX Credit Card with Chase. Met the spending the requirement to get the promotion miles bonus. Earned around XXXX miles which showed in credit card Statement. However, those miles never posted to my account. Called three times in XX/XX/2018. Sent secure message in XX/XX/2018. However, the problem is still not solved.
Disputed several accounts that do n't belong to me and they still remain on my experian credit report
On approximately XX/XX/XXXX I contacted First Commonwealth Mortgage Corp. out of Kentucky to assist me with a home purchase. I worked with gentleman by the name of XXXX XXXX XXXX # XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX all the appropriate paper work was submitted to to get me " Pre-Approved ''. Based on my income, taxes, and rental income I was almost instantly pre-approved. 
( Keep in mind pre-approved is different then pre-qualified ). I found a house and went under contract. XXXX told me " we 're gon na push this thing through as fast as we can '' asking me to forgive him if he seemed pushy and demanded documents be signed and financial documents be sent of as fast as possible upon request. Im fairly organized and prompt and felt nothing out of he ordinary hopeful that we can close fairly quickly. 
Between XX/XX/XXXX and XX/XX/XXXX all documents were in and the inspection was ordered, the appraisal was ordered and the earnest money was withdrawn and delivered. 
Contracts were drafted and signed at the negotiated asking price, and we were scheduled to close on XX/XX/XXXX. With a deadline to withdraw, decline or contest anything in the reports, and or contract by the XX/XX/XXXX. XXXX knew 100 % about this deadline. 
On XX/XX/XXXX. XXXX called and emailed me that the deal was dead and that I did n't get approved for the purchase. 
He stated it was a XXXX XXXX guideline at which I needed " 5 years self employment income. '' ( Fannie Mae has no such guideline ). After that I had my Financial and Real-Estate professional reach out to XXXX, at that point he said it was my " Debt to Income Ratio '' ... So which one was it? 
Either way, at the point of my application submittal XXXX XXXX should have noticed the " 5 year income rule ''. Or, based on my financial records seen that my " Debt to Income Ratio '' was to high. Either way he should have noticed INSTANTLY!. Also, a person can not use rental income for the purchase of a new home unless they have claimed rental income for 2 years on they 're taxes. Or have moved 50 miles away from primary residence. In any case I did n't meet either criteria. 
I believe XXXX XXXX was lying to me from the very beginning and was trying to get this loan approved by any means necessary. I believe shady practices were involved and calculations were grossly neglected. Whether its intentional mal-practice, laziness, or greed. I am now out {$2500.00} Earnest Monies {$1500.00} Appraisal Monies {$620.00} Inspection Fees {$420.00} XXXX XXXX knew instantly I did not qualify for this loan. Now XXXX families immediate futures are in shambles because of his, neglect and very un-proffessional ethics.
I was Appling for a loan for a small business and I was informed that I had late payment from a company called XXXX XXXX in which I didn't know because I had set up a payment plan with the company that XXXX XXXX bought the account from. I had the account set up on automatic payment, so that I would never miss a payment but XXXX XXXXXXXX bought the account and I didn't know and was not informed, so all this time I was thinking I was making payment, my account was getting hits for being late. My credit was hit from XX/XX/XXXX of the month of XX/XX/XXXX to the month of XX/XX/XXXX. I have current made taking care of all the late fee and now I am current.
I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL
Wells Fargo is illegally attempting to bill me for the amount of {$480.00} plus {$15.00} late fee charge for a charge/balance that I do not owe. I closed my credit card account on XXXX XXXX, 2016 with a zero dollar balance and did not make any purchases or charges prior to my final statement closing. The charge is erroneous and fraudulent. My balance needs to be zeroed out.
Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.
On XX/XX/2018 I mailed out a notarized dispute letters to XXXX and Experian via USPS Certified Mail, tracking # XXXX and Experians Tracking XXXX. XXXX and Experian received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from XXXX on XX/XX/XXXX with the subject titled " XXXX Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

Experian has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe XXXX  is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link XXXX sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire XXXX provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX  in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
On XXXX/XXXX/15 Experian received, per US Postal Service Cert. Mail, my request to investigate and then remove a number of outdated and incorrect items on my Experian credit report. To date XXXX/XXXX/15 the items still remain on my report as per their on line viewing of my report. I contacted them today and advised them as per FCRA and your bureau that those items must be removed because they did not act with in the 30 day time frame. I would ask that you act on my behalf to inforce the laws of financial protection and also include me in any legal action against Experian.
Approximately during the month of XXXX, I upgraded my internet service with XXXX XXXX XXXX. A month later I received two bills from XXXX XXXX XXXX and when I contacted them, they said I only had to pay one bill. Approximately a month later, I received a letter from XXXX XXXX XXXX stating that if I did n't pay my bill, I would be send to collection. Again, I contacted XXXX XXXX XXXX and they confirmed I did not owe anything. Then again, I received another letter and XXXX XXXX XXXX said I did n't owe anything. Now, I received a letter from a collection company ( Franklin Service ) dated XXXX XXXX2017,  and they are asking for me to pay {$80.00}. I immediately contacted XXXX XXXX XXXX and they confirmed I did not owe anything. I also contacted the collection agency to inform them what XXXX XXXX XXXX told me. The collection agency is not wanting to remove the amount I supposedly owe because XXXX XXXX XXXX has to contact them. I have tried talking to XXXX XXXX XXXX and they say they are unable to do and unable to send me a letter stating I do n't owe them Anything.
I was approved by my insurance company for several XXXX. The XXXX were to be done every 90 days for 1 year. After the XXXX XXXX I inquired on whether the insurance company paid for it, I was told they had. At the XXXX XXXX I inquired again, before the procedure as I had had issues with the provider and insurance company. I was told it was in processes and I was cleared for the next XXXX. 90 days later I return for the XXXX installment and again, checking on the balance, I was told the insurance company had not paid for the XXXX or XXXX procedure fully and I was responsible for a large balance. I cancelled the XXXX XXXX and escalated to the medical provider, XXXX XXXX XXXX, as to why I was not told of the balance. I had not been called, I received no correspondence via email or regular mail. I would not have had the XXXX XXXX had I not been assured things were fine. I was told it was a 'processing issue ' and they could not do anything about it. Even with multiple attempts to remedy the situation, apply for financial assistance and dispute resolution. I then receive a call on XXXX/XXXX/16 when I was n't home ; I return the call today on XXXX/XXXX/16, less than XXXX hours after the call, to be told this debt was now a judgment and I have no remedy. They were taking garnishment action against me and I have no options in the matter. This amount is in excess of {$2000.00} and I do not have the capacity to withstand a garnishment of that magnitude. I was not given the correct information, nor am I allowed to dispute this current action per XXXX XXXX at Merchants XXXX XXXX.
I was a student at the XXXX in XXXX Texas I was affected by the sudden closure of the school that took place on XX/XX/2016. I was a new student my start date was XX/XX/2016 I was in my words " conned '' into signing a private school loan for the total of {$14000.00} with a XXXX % interest rate from a private loan company ASFG ( American Student Financial Group ) also known as XXXX of XXXX. I have been in contact with several women at the ASFG office XXXX on trying to have this loan cleared as I feel they have breached the contract but keep getting no answers and only being told I have to repay all the money and interest. I was only in school for XXXX weeks which was a total of XXXX school days I received nothing at all from XXXX of XXXX. I did not get to finish my first term due to the school closure. There for I was told I did not get any credit for my time nor did I qualify for transcripts due to not finishing my first term so I get no credit and no transcripts. I am being left with nothing but this loan I feel as if I am being robbed I have nothing to show for this loan but tears and stress this can not be okay. I am now receiving debt warning letters from a company named XXXX ( XXXX ) stating I am defaulting my loan obligations and need to repay this loan and interest. I made a total for XXXX payments when I was an active student the first was for {$100.00} and the second was for {$150.00} I have receipts and all fitting documents of my time of enrollment the ASFG company continues to tell me that this is my problem and obligation. I am reaching out for help or some guidance on what I can do to help clear this loan this can not be okay please help me. 
Thank you for your time
They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have.
I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.
I received a call at first from XXXX stating he needed my address so he can deliver documents he gave me a number of XXXX which they state they are central services. Found out they are trying to collect on a loan from XXXX into which I never took a loan out on in XXXX 2012. PLus they are past the statue of limitation for this. I never received a deposit from anyone other than my employer and they said if they do n't comply they will file criminal charges against me.
The response from Citi Cards has cleared up a lot confusion, however, I was never notified by Citi Cards that my XXXX payment was behind. My XXXX payment was around the same time that I entered the payment program and my payment slipped through the cracks, which was my responsibility. I was going through a separation at the time and my mind was in other places. Furthermore, if Citi Cards would have alerted me to my missed payment then I would have rectified the matter immediately. Instead, Citi Cards made it appear that I was making my payments and did not make any reasonable efforts to notify me that I was behind. Citi Cards could have communicated a lot better and shown better business practices. I made a human error and fell behind, but with a little help from Citi Cards, I could have made things right. I still do not feel my situation was treated fairly and will be contacted my Attorney Generals office, to look into any ethical violations on behalf of Citi Cards.
I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any  and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. )  The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
in XXXX of XXXX my account card was used to and money was stolen out of account.i reported the incident when I was aware on XX/XX/XXXX bank put the money back in the account then took it back out I been disputing this every since .the bank said their investorgator spoke to me on the phone to verify charges and I sent them proof that number hadn't been in service since XX/XX/XXXX so I wonder who they talked to I sent proof of that made and sent them a police report plus showed them my work scheldule for proof and still the bank saying it takes another 30 days for a decision.meanwhile they close my account and sent me to collections.