WillisBack/dataset-financial-user-claim huggingface dataset:
I hold an account in XXXX. I have been using XXXX XXXX for mail communication for many years. XXXX day I got a letter from citibank saying, I need to update my address to the physical address. So I called up citibank and updated the address. I have been using direct debit for some services and I have given some checks for rental, etc. Later I came to know my checks have bounced as my account was frozen. I visited the bank and came to know that account freeze was due to address change or something. I talked with the personal banker and he apologized for the inconvenience caused to me as it was a mistake from citibank side. He gave me a letter stating that, the account freeze was due to citibank 's problem, not mine. 
But still I had to pay the late payment fees/penalty to rental, aum etc. I had to talk to the branch manager to inform this. I tried to get an appointment by visiting the bank as well. But the employees over there said, he is in meeting and they will contact me once he is available. I waited and nobody called confirming the appointment. I called the bank again asking for the appointment regarding the issue with my account. They said they will contact me after checking his calendar. I waited again and I had to call them again for the same. Still no response. I sent an email to the manager, asking for an appointment. He did n't respond to my mails as well. 
XXXX day I went to the bank with my friend to talk to the manager ( XXXX XXXX ). Finally he showed up. 
He was staring at the computer for XXXX minutes and then he said, there was no record of me calling the bank for the address change. And he ca n't help with whatever loss has happened to me. The irony is my address was updated from XXXX XXXX to my physical address. How can it happen without me requesting for it. 
He transferred my complaint to XXXX branch, which has nothing to do with my issue. Till now there is no update on my issue. 
The service they provide is horrible. This problem is from XXXX 2015 onwards and still no solution. They are acting irresponsible. The money might be small. Still no one should get treated like this.
Rewards were supposed to accrue at XXXX % for everyday purchases and XXXX % for other purchases after a threshold of {$6500.00} is reached for the year. I reached it in XX/XX/XXXX/XX/XX/XXXX, yet AmEx continued to only apply XXXX % to everyday purchases and XXXX % to all other purchases. XX/XX/XXXX I contacted AmEx customer support, and they opened a case, promising to correct the rewards within 4-8 weeks. Checked back two months later, and was told the initial case was closed the same day it was opened with no resolution, with no explanation why. Another case was opened with a promised resolution by the end of XX/XX/XXXX, wasted time numerous times following up, and as of now there has been NO resolution - rewards earned in XX/XX/XXXX have still not been awarded a year later.
Hi, In XXXX of XXXX my identity was stolen and used to start and open an account with XXXX internet an T.V. services for monthly high speed internet in the XXXX Missouri area. I believe the internet service charge was for roughly {$30.00} dollars a month. from what I understand, the Internet Installer Technician went to the thieves home/apartment around the end of XXXX XXXX, installed the internet service from XXXX, and then left, without asking to see an I.D . to verify my Identity, or some kind of proof of a new customer account. 
And he also did not get a credit/debit card from the customer, or any kind of payment at all. and apparently all they needed was my name and information and thats all it took to create this internet account. 
I was living in XXXX Missouri from XXXX XXXX until the end of XXXX XXXX doing out of state work with my construction company, but aside from that I have no connection to Missouri or XXXX internet services. 
I did not find out until several months later that all of this had happened under my information. I found out because I received a call around XXXX XXXX from a credit collection company saying I owed them {$140.00}. I informed him that it was not me that had started that account and that someone must have stolen my identity to do it. He said there was nothing he, or XXXX, could do and that I was responsible for the balance of {$140.00}. Ive never dealt with Identity theft, or been delinquent on any payments in my life, so I told him I 'm not going to pay the {$140.00} because it was n't me. and that if XXXX has a problem with that they can call me. 
I never received and calls from XXXX. however, I started to receive more then 8 calls a day from creditors demanding that I owed them {$140.00} in fees and charges. It was out of control. I kept telling them that it was n't me, and i had no idea until now, that you could actually dispute the charges. I also asked repeatedly to be put on the DNC, or Do Not Call list, and still i kept receiving phone calls.
I disputed this account with TransUnion file # XXXX and asked for the contract and i received a respond saying that this account is being reported accurate, This account is being reported to the credit agency by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX # XXXX, When contact XXXX they have no information or contract of this item. They gave a number to a agency that they say is handling this item as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX # XXXX. When contact this company they said that they are not handling this item, Though it's being reported by XXXX XXXX XXXX on my credit report i will like this item to be removed because it is being reported fraudulentiy to the credit reporting agency.
Mortgage company failed to pay my homeowners insurance from available escrows funds on time resulting in cancellation of insurance
XXXX XXXX XXXX has assigned an unknown debt collection company called XXXX XXXX XXXX to collect an unknown debt. They currently still report this unknown collection to XXXX. XXXX has successfully verified this collection despite of the evidence that I 've provided to them to have these collections deleted. This debt collection was reported by the credit bureaus to XXXX XXXX XXXX/ U.S. Dept . Of Ed as a fraudulent account back in 2014 and was deleted from my credit report. Since then the U.S. Dept. of ED has reposted this said collection ACCOUNT ( S ) ( # XXXX ; XXXX ; XXXX ) to the credit bureaus without notifying me first. These collection accounts are fraudulent unknown accounts. I have reached out to XXXX XXXX, XXXX XXXX XXXX to have them removed several times but no reply or regard. I 've included with this message evidence of these accounts been deleted in 2014. 

1 ). The XXXX XXXX XXXX, of THE U.S. DEPARTMENT OF EDUCATION ; Same Business verified fraudulent accounts 3 times in a row after CRA notified you that they accepted my Identity Theft Report as sufficient. 

2 ). The XXXX XXXX XXXX, of THE U.S. DEPARTMENT OF EDUCATION ; Same Business refurbished these fraudulent collection accounts without proper notice to me, violating myFRCA. CRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. 
The same prohibition on refurbishing fraudulent information to a CRA applies if the victim files her Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). 

3 ). The XXXX XXXX XXXX, of THE U.S. DEPARTMENT OF EDUCATION ; also sold/assigned these fradulent previously deleted accounts to a collections services to collect on known fraudulent accounts that CRA deleted do to fraud after you were informed by the Credit Bureaus ; ( XXXX, XXXX and XXXX ), that they were fraud. See attached Letter 2. This is a violation of FCRA 615 ( f ), 15 U.S.C. Preventing a company from selling or placing for collection bad debts that result from identity theft : Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the debts the furnisher reported in the victims name resulted from identity theft, the furnisher is prohibited from selling those debts to another company for collection. 

The CRA is obligated to notify me within five business days in writing before reposting accounts on my credit reports. Failure to notify you the Credit Bureaus will be liable under the FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ). The Credit Bureaus must compensate in the amount of {$1000.00} for violation of FCRA.
I have disputed the student loan XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
I received a call from XXXX Arbitration telling me if I do n't pay a debt I owe to XXXX, They will put me in jail from fraud.XXXX I do have a debt with XXXX but the collection agency it is with is call United Debt Holdings not XXXX XXXX XXXX XXXX I never used any of my family members as references when I applied for the loan. I never had my bothers phone number until recently and they called him. XXXX ) I told them by law they are required to give me written documentation and the lady said she does n't have to give me anything. 
I am very frustrated because I have been scammed before and lost lot of money for this type of thing. I do n't want to be scammed again. Please help
this company has been calling me every single day, both on my phone and my cell phone since XXXX XXXX, 2018- for no reason. I make all my payments on time the message says, " this is a private matter, please call me back '' so unprofessional, unethical. how do we make them stop calling me?
We have a recently new account with Santander Consumer USA for a car loan. After 6 months, the last month reported was for XXXX. We were never 30 days late and only once late passed the 10 day grace period ( by only a few days ). They are refusing to report the month of XXXX  and XXXX  because I split the payment up into two payments. I called regarding the reporting on XX/XX/2019, and the lady that helped me said she wasn't sure why it wasn't reported for those two months. Everything looked good and the report was sent over to the proper department for credit reporting. She said if it doesn't update by the end of the following week to call back. I called back XX/XX/2019, and the lady that helped me this time said it wasn't going to report because I didn't make a one-time payment. But wanted to assure me that my account was not past due. She said they don't have to report only if it's 30+ days past due then they will. I requested for it to be reported and they denied it.
I recently filed a complaint, XXXX-XXXX  about DIVERSIFIED CONSULTANTS, INC for posting a fraudulent collection on my XXXX  credit report. Prior to this complaint I posted a complaint, XXXX-XXXX about XXXX XXXX XXXX, XXXX. for the exact same fraudulent collection posted on my XXXX   credit report. 
Both companies posted that the debt was due to XXXX XXXX XXXX. As I stated in my prior complaints, I have contacted XXXX XXXX XXXX numerous times in regard to these fraudulent collections and XXXX XXXX XXXX has not sent my account to collections. I am in stellar standing with XXXX XXXX XXXX. 
When I contacted XXXX XXXX XXXX in regard to what XXXX XXXX XXXX told me the operator said that the collection was actually paid and that they no longer had a collection account for me. That was bizarre to say the least. 
A few weeks later the EXACT SAME collection was posted by Diversified Consultants , inc . 
1. How can Diversified Consultants, Inc. post a collection that XXXX XXXX XXXX said was PAID? 
2. How can Diversified Consultants, Inc. post a collection that no longer exists?

3. How can Diversified Consultants, Inc. post a fraudulent collection on my credit report, the same fraudulent collection that XXXX XXXX XXXX already had posted? 
I immediately called XXXX  and filed the above complaint against Diversified Consultants , Inc.. 

XX/XX/2016 I received a form from Diversified Consultants, an Identity Theft Victim 's Complaint and Affidavit. This form is to be filled out by the person it is addressed to, which the first name and last name are incorrect and now, because I filed a complaint, this scam of a company has my mailing address. The form requests that I contact XXXX XXXX XXXX, Yes I have done this a dozen times in the last four weeks and XXXX XXXX XXXX has NEVER sent me to collections. 
I have to send back this form with more of my personal information, like drives license, valid photo ID and so on. Why on earth would I send any further personal information to this company? This is such blatant fraud it is outrageous. 

I will not be filling out this form. I will consistently file complaints with the CFPB, XXXX XXXX XXXX and XXXX regarding both XXXX XXXX XXXX and Diversified Consultants, Inc. for fraudulent activities on my credit report. 
I do not want this company sending me any further mail or contacting me in anyway. 
Both of these companies are scammers and I have no idea how they are able to operate.
On Monday, XXXX XXXX, 2016 at XXXX I submitted a transfer of funds from XXXX XXXX XXXX bank to Union Bank for {$5000.00}. At XXXX PST I received a confirmation email that this transaction had been processed. This morning at XXXX I accessed my account at Union Bank in order to pay some bills. The {$5000.00} transfer was not there. Later in the morning, I checked again, and it was still not there. I called Union Bank and was told by two different people that there had been a " delay in processing deposits and we do n't know when it will be resolved. '' I do n't have access to my {$5000.00}, and would like immediate access as I have mortgages and bills to pay. 
XXXX XXXX
Fraudulent activity, identity theft, and compromised account following unauthorized charges of {$670.00} to a XXXX
XXXX XXXX REFUSED TO ACTIVATE THE XXXX INSURANCE ACCT AS I AM XXXX AND A SENIOR XXXX. XXXX XXXX CONTACTED A COLLECTION AGENCY! 
IT IS AGAINST THE CONSUMER PRETECTION LAWS
I have been trying to work with Navient about lowering my students loans for months now. I have called and faxed documents to my advocate their with proof that I do not have enough to pay the full amount of the loan but need to lower the payments. They requested my mothers expenses which I provided as well proving we do not have the full amount and can not afford the full payment asking for them to help. They have refused to help me, they denied my claims and said I need to figure out a way to get the money. I was told to get a second job or ask family and friends to help pay my loans. I have filed a complaint with the Attorney General of NH and I have not got anywhere. I want to pay my loans but I am asking them to reduce the rates but they will not help me out at all. I have done everything they asked but I am at a loss now. I have been threatened, harassed by them several times a day and my mother has also. I need help with this and can not get anywhere with Navient. I have documents to prove/backup everything.
I fraudulent debt collection XXXX I was making a payment to on a car payment some way I got revenue group on the line I do n't know how the intercept payment but my car was reposted because the payment went to this company. I am XXXX and XXXX daughter is the representive on my debit card so I had to call her to make payment.Payment was made but we found out revenue group got payment they stated I called them not he line but I would have never called them since this claim ins ligation with workers comp.They fraudulent received payment which caused my car to be repossessed.and they. Refuse to make amends I asked them since 2014 to refer to workers comp company. they caused my car to be repossessed.and XXXX to me, In XXXX and received XXXX for this.
I have private students loans with Navient that are now in default. Over the last few years I have experienced financial hardship. In addition to this, I have tried numerous times to arrange and lower my payments with this company. Instead, I have received threats over the phone, with representatives saying that I will be taken to court, have my wages garnished, and that I am irresponsible. Whenever I call to try to come up with an arrangement these are the responses that I receive. I have grown frustrated and tired of these threats and the inability to work out a plan. I have told numerous representatives what I can pay at this time, but they are still not willing to work with me. I have received numerous calls from other states on a daily basis from New Jersey, XXXX DC, Indiana, Florida, and Texas. It has been a nightmare dealing with this company, and have told family and friends to stay away from this company. I would like to have some type of resolution to this problem. Thank you.
I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec.  605, 609, and 623. On  top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from  Original Creditor and  XXXX ,  XXXX ,  XXXX , with is in violat ion of the law ... ..
My TransUnion credit report continues to show 2 missed payments for the months of XX/XX/XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to TransUnion not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor TransUnion has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to Transunion for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inbox
Dear Mr. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, XXXX
I have been requesting information specific to my PMI canceling for a significant amount of time. The last request I placed was via email on XXXX/XXXX/2016 asking for a review of my account to determine if my PMI can drop off without ordering an appraisal. I have yet to receive a response other than the PMI dept is still reviewing my account. I received this 'status update ' via a letter on XXXX/XXXX/2016 as well as verbally when I called on XXXX/XXXX/2016 and XXXX/XXXX/2016. When I called on XXXX/XXXX/2016, I spoke with XXXX who advised my PMI had not dropped off yet even though my LTV was around 75 % because I had been paying bi-weekly and my principle had decreased faster than the amortization schedule had detailed. XXXX placed another request in with the PMI dept for their review and promised to call me with their status. I called on XXXX/XXXX/2016 and spoke with XXXX, she advised the termination of my PMI does not consider my account balance but instead goes by my predetermined auto termination date as determined by my amortization schedule created at closing. When I asked her what that date was, she told me that was still under review from my XXXX/XXXX/2016 request. 
I can not seem to get a response on this, and I am paying unnecessary PMI rates on an LTV that is lower that was is required by investors and my closing paperwork. My intention is to refinance with a HARP loan once my PMI has dropped as I am currently paying 6.5 % in interest. This delay is costing me money. 

Additionally, when I called on XXXX/XXXX/2016 I found out my account showed I was late in my payment. DiTech takes bi-weekly payments directly from my checking account, but apparently due to a system upgrade my payment was applied to principle. I received no notification of this late status, and there was no review of payments to determine if the system had incorrectly allocated funds. When speaking with XXXX, she knew the issue right away, which tells me this was a known issue that DiTech took no proactive stance in correcting. XXXX also advised I monitor my account for the next couple of payments to ensure DiTech did n't make the same mistake again.
Issue with Transunion. Trying to make necessary corrections to credit report. 
No one from Transunion speaks good XXXX or understands the questions. 
Unable to process online request and upload the documents for the investigation. 
I was transferred back and forth XXXX times and had to call in multiple times with no resolution. 
I was able to successfully process my requests on XXXX and XXXX with no issue.
XXXX XXXX Re : IC Systems Inc acct. # XXXX and acct. # XXXX Dear IC Systems XXXX , I have never received any written correspondence from this company. IC systems reinserted a collection to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. I am forced to led to lead to legal actions with IC Systems if this debt isn't removed. 

Thank you, XXXX XXXX XX/XX/1986
I had a XXXX XXXX XXXX credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted XXXX XXXX XXXX to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.
I am a victim of identity theft. My XXXX Mastercard # : XXXX issued by XXXX XXXX, XXXX XXXX XXXX, UT is lost/stolen. All of the transactions is fraudulent and unauthorized. My entire credit limit of {$1000.00} was used in a fraudulent and unauthorized manner. I never used my XXXX MasterCard. The fraudulent transactions dont belong to me.