WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a Citibank card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. Citibank was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by Citibank to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

Citibank is still showing on my XXXX credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the Citibank information was " Verified as accurate ''. 

I had seen an increase in my XXXX credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX that XXXX had reported negative information to them and now that Citbank account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this Citibank account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by Citibank, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per Citibank 's instructions.
Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, Tenn XXXX I was XXXX and on XXXX because of a XXXX XXXX I have only ever had a XXXX payment as my income, Vanderbilt excepted this 18 years ago, now my Mother and Fathers health is failing my Father is on XXXX Now they both live with me and my XXXX years old son, we only have around {$1200.00} per month between us coming in to the home. 
I have tried to talk to Vanderbilt several or actually I had a friend talk for me in my presence because I have a difficult time expressing myself because this is my home and I get very emotional, the last statement I received from Vanderbilt was on XX/XX/2019 was asking for a payment of {$27000.00} before the will discuss a modification. I do not know what to do, I realize now I was taken advantage of, I welcome any help you can offer. 

thank you
I held $ XXXXusd with Coinbase.com I made a withdraw request to have the money deposited into my checking account via XXXX on XX/XX/XXXX the transaction showed " complete '' I never received my money from coinbase. I have made 7 attempts to contact coinbase and they have provided me with no answers. 

I have now read hundreds of complaints of customers dealing with this issue. 

I feel like there is some serious fraud according with coinbase.com I have Case ID : XXXX from coinbase
Collection agent left a voicemail at my place of business on an extension that I use. The voicemail message indicated the attempt to collect a debt on behalf XXXX. The voicemail greeting does not state my name or make any reference to me individually, and the voice mail messages are accessible to the entire office.
Portfolio Recovery  has not sent me proof of my obligation of this alleged debt as requested, and continues to report these  XXXX  trade lines to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score.  I disputed these  XXXX  accounts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and   XXXX   to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po  rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is  blatantly disregarding the law and consumer rights.
after years of a fully paid debt, albeit though garnishment from my former employee, this company continues to make false claims
I opened a new CITIGOLD saving account on XXXX/XXXX/XXXX with their promotion : Earn {$500.00}. 
1 ) open the account before XXXX/XXXX/XXXX 2 ) deposit {$50000.00} WITH 30 DAYS. 
3 ) MAINTAIN A BALANCE OF {$50000.00} FOR NEXT 30 DAYS TO RECEIVE {$500.00}. 
My account opened on XXXX/XXXX/XXXX deposit {$50000.00} at same day AT XXXX XXXX XXXX, XXXX OFFICE, and still have balance {$50000.00} plus BUT HAVE NOT RECEIVE MY {$500.00} yet. 

If I refer a same citigold costumer I will get a {$100.00} each. I did for XXXX person XXXX XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX in XXXX, XXXX. 


CITIBANK SHOULD PAY ME ALL THIS PROMOTION MONEY.
To CFPB, I'm contacting you regarding Trans Union and the fact that they appear to be jacking with my credit score. I suffer from XXXX  and have been in and out of the hospital and in the midst of all this Ive noticed that over the last 60 days my credit score has gone down almost a 100 points for no apparent reason. I have noticed in the past that you have fined companies like Trans Union for tampering or trying to sell consumers a product regarding their credit score which ended up being very miss leading. There has been no change to my credit in the past 60 days, and I have paid my bills on time.

I think its time to re investigate this company for possible fraud.
I PURCHASED A HOME IN XXXX XXXX FOR XXXX AND SINCE THEN HAVE HURT MYSELF AT WORK ( XXXX XXXX AND HAVE REQUESTED HELP IN XXXX FOR A MODIFICATION ON MY MORTGAGE BECAUSE MY PAY IS NOT REGULAR PAY ANYMORE AND THEY WILL NOW HELP AND I PAID THEM {$500.00} A MONTH AND THEY DID NOT TELL ME IT DIDNT COUNT TOWARD MY MTG, SINCE THEN I HAVE BEEN BACK AND FORTH TO WORK BECAUSE OF MY INJURIES AND HAVE APPLIED FOR HELP TWICE AND THIS TIME I CAN NOT GET ASSISATACE AND THE WANT ME TO PAY XXXX A MONTH BUT THEY HAVE SENT ME AN APPRAISAL TO ME TWICE THAT MY HOUSE IS ONLY WORTH {$30000.00} I FEEL USED BECAUSE IF THEY FORCE ME TO MOVE THEY WILL NOT EVEN GET XXXX FOR THIS HOUSE I NEED A ROOF AND HAVE PLUMBING ISSUES BUT STILL WILLING TO PAY SOMETHING FOR THIS HOUSE AT LEAST WHAT IT IS WORTH, I AM CURRENTLY BACK AT WORK NOW BUT STILL HAVE XXXX I HAVE TO HAVE SO IM WORKING 24HRS A WEEK AND GET PAID THE REST FOR OFFICE OF WORKMANS COMPENSATION WHICH IS WAY LESS THAN WHAT MY PAY WOULD BE IF I WAS WORKING MY REGULAR JOB 40HRS A WEEK. PLEASE HELP
My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. 
I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. 
They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement.
TransUnion LLC, is still reporting on my credit report a Public Record Information for a Civil Judgment against me from : XXXX. The Plantiff : XXXX ; of which, they say is still at the Recorder of Deeds in XXXX XXXX. This debt was 'paid in full ', through a lawyer I hired. My lawyer called the 'debt collection ' lawyer ( whom was hired by XXXX to collect ) ; and she said that she followed through on her end with filing a SOJ to the XXXX XXXX XXXX XXXX of Deeds- to have it removed from Public Record. TransUnion LLC credit reporting agency was ALSO sent the SOJ ; along with the other credit reporting agencies. I have a copy of the SOJ ( Settlement of Judgment ) that was sent to XXXX XXXX Court and all credit reporting agencies. 
I just applied for a refinancing of my home and this same Public Record showed in their credit check on me. So I am being REFUSED a new refinanced loan on my home!! I have a very short window to be able to lock into this great rate new home loan, and this is Civil Judgment is the only one thing stopping me from closing on the loan! 
I ALSO just applied for a new job and this showed up in their employment background investigation with TransUnion. 
I am trying so hard to clean up all my old debt from the recession time, and it 's Credit Reporting agencies that should be trying to help me by doing THEIR jobs and being on top of these things. I 've tried on my own to clear up these Credit Reporting Agencies mistakes, and they do n't seem to 'have the time ' to listen or even CARE to help me. I just get switched from person to person around and around ... ..to no end. I SHOULDN '' T have to hire a lawyer to have my Credit Report cleaned up. I found this link to CFPB and thought that maybe NOW there is someone out there that will listen and help us consumers with these large Credit Reporting Agencies, that do n't seem to care they are REALLY doing more damage to us consumers than any good!
I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.
A few months ago I purchased some In-Game items on a server that I played on for in game items. and just recently the game has been taken down and all of my items have been lost. and I am overall requesting for a refund to my paypal account by the owner of this game.
Account is not mine. I disagree with the investigation. XXXX and XXXX both deleted this account. What information does Equifax have that XXXX and XXXX do not? If you have this information, please share. Thank you.
Navient keeps harassing me everyday. Calling m e 30 tim es a day every day, from different numbers. They keep violating my right under the law. This has caused emotional trauma for me and my family.
This guy calls from this company/phone number threatening to sue if this unverified, invalid debt isnt paid by noon. There was no letter mailed from this company which would give 30 days to dispute. This number calls repeatedly 10-15 times back to back on a number that does not belong to the person they are trying to contact about the debt. I have a recorded voice message giving details about this debt on a number that is not even associated with the debt. The calls come in these repetitive blocks multiple times a day. I have them logged in a caller ID bank. The calls began on XX/XX/XXXX and have continued today, XX/XX/XXXX after the person was told not to call the number again and only contact via US mail. This is a disruption to my work. They claim the debt is for {$740.00} from XXXX The debt is NOT valid as the product they claim to have sent was not received, and the services billed were not utilized. Letter of cancellation was sent to XXXX in XXXX of 2018 and was not honored. The caller is belligerent and rude and demanding.
Synchrony bank calls back to back everyday all day because I am late, I have spoke them and explained my wife has lost her job and I 'll pay as soon as I can. The calls come as frequently as 2 minutes apart and as much as 10 times a day
XXXX XXXX, XXXX XXXX XXXX, contacted BBVA Compass after husband XXXX XXXX XXXX, that the bills coming were for a credit card issued to XXXX, not XXXX. The original paperwork shows the card belonged to XXXX. No charges had been made to the card in the years prior to XXXX 's XXXX. He was simply paying off the card. The result appears to have been that BBVA Compass added XXXX 's name to the card without asking permission. In turn, XXXX has been paying the bills as they come in, now paying over {$5000.00} on a {$4000.00} balance. Assistance is requested to please ask the BBVA Compass to retire this debt and correct their records showing the card is not XXXX XXXX
I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.
I had a XXXX XXXX account though XXXX Bank that was closed and paid as agreed and paid off. I investigate this account several time though the credit bureaus and they did not remove this account. XXXX Bank send me a email today stating this account was paid in full and never late.
I was contacted by NCSPlus stating I owed money to XXXX University ( XXXX ), I disputed the debt and requested transcripts particularly grades and assignments of classes that I allegedly took, attendance records, I also requested documents with my signature agreeing to pay for any classes. Thirty days went by without a response, around the two month mark they sent a letter stating they verified the debt, yet they provided absolutely none of the requested documentation. I never took any classes from XXXX, as a matter of fact I was attending another college at the very same time, taking the same courses, they were stating I was taking at XXXX. I have documentation from the other college, USPS receipt and copies of correspondence from NCSPlus
I had a loan with Santander USA and paid off the car. I have an overpayment of {$350.00} and I 've been waiting since XXXX for my refund. Each time I call, I get a different answer on when I will receive my refund. The employees are extremely rude and condescending. I made every payment on time and I am getting treated like dirt now. I am not even sure they were applying my payments correctly for the last 5 years. The customer service says that the accounting department does not have phones so I ca n't request a breakdown of payments made. This company is a scam!
On or about XX/XX/XXXX, I began requesting an income driven student loan payment plan. On this same day I finished the application and uploaded my XX/XX/XXXX tax return. I received an email from Nelnet stating that I needed to do nothing else and the process can take several weeks to review. I waited for the review to be concluded per the email. 

In XX/XX/XXXX, I received a hit to my credit report for late payment of my student loan and that it was between 90-120 days late. I immediately contacted Nelnet because I did not understand why my loan would be charged as late when I was waiting on them to complete their review. 

A late payment to my student loan account means that I have multiple late payments for the same loan. So I may have 13 late payments which harshly affects my credit. I was able to get the deferment taken care of until the income driven payment plan was finalized. The deferments go back to cover all the dates that there behind. 

I have proof and documentation showing that I had finished the application and was told that it can take up to 3 weeks to get it finished. My taxes were upload proving my income. While I am waiting they just send in the late payment information to the credit reporting agency.
I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.
I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You.
I had a loan with XXXX XXXX, that I was falling behind on due to a layoff. XXXX sold the loan to XXXX XXXX before it was 120 days late. I had never received the validation letter from XXXX XXXX and when I was in contact with them via phone around XXXX or XX/XX/XXXX they stated they were apart of XXXX and made me believe they were a company within XXXX. ( Like they were an in house collection ). They first asked if I could settle which I could not and said it was fine to just set up small good faith payments, and we would workout a settlement at a later time. I went ahead and set up small good faith payments with no documentation because I thought I was speaking with XXXX XXXX who was already handling my loan. Fast forward to XX/XX/XXXX and they have reported on my credit file over a year later that this account is in collection with a collection agency. Unbeknownst to me I thought XXXX was apart of XXXX and that this was not with a collections agency and never received any documentation that this was sold to a different company nor have I ever received the Collection Validation letter that you receive when you are sent to a collection agency. Then I also find that XXXX XXXX also sold them my file before I even defaulted which was why I was confused about the debt, and was so willing to continue payments and started payments without question to XXXX XXXX. Both companies were very deceptive in how they conducted business and I also want the debt validated, because what XXXX reported as delinquent and what XXXX shows with the small payments that I have been making do not match. I am afraid at this point they will not honor my validation request because they never sent me the initial validation of debt letter, which is illegal.
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
After reviewing the USbank denial report, I concluded that this decision is completely unfair and irresponsible for the following reasons : 1.My DTI is at XXXX % ( my income is {$31000.00} per month + rent {$3500.00} from property ) my obligations is ONLY @ XXXX for the mortgage on the rental property I own in XXXX XXXX XXXX , CA XXXX 2.Delinquency regarding my late payment on the XXXX credit card was explained in a document was submitted to USbank, the amount was {$300.00} and we did not received the final bill because of our move to XXXX on XX/XX/2013. 
3.They are no revolving accounts for me in XXXX except the mortgage including insurance + tax for my property in XXXX XXXX , which is {$3900.00}, and I pay {$5000.00} every month for 15 years mortgage. 
4.Unable to verify employment is completely untruth, XXXX for my employer ( XXXX ) here in XXXX and XXXX were never contacted by USbank or anyone representing USbank. 
5.I have been working with XXXX for the last 17 years going on my 18 years and complete records of my salary and positions are available in the XXXX system. 
6.My FICO score is XXXX
The Phoenix financial services called me 5 times on XX/XX/2018 from phone number XXXX XXXX XXXX XXXX XXXX XXXX I asked the lady the called for the 5th time if that is protocol that they call continuously she said it is standard in their procedures
This Ford Motor Credit account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, Equifax, XXXX ), XXXX   XXXX, Account # XXXX ( XXXX, Equifax ), XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax, XXXX ),  XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX  ).
For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.