WillisBack/dataset-financial-user-claim huggingface dataset:
I am a regular depositor of many years, 30+, at Citi Bank in XXXX XXXX XXXX , opened up a new account, a Roth IRA . The bank was not crowded. The representative at the desk who assisted me failed to disclose a very important detail. If you are retired, you can not open up an IRA or any related product if you have no income. She also said it was a MM Roth and did n't pay much interest but was the most liquid and I could take it out at any time. On the application or paperwork she gave me I clearly stated I had no work phone number and certainly would have checked retired, if it is a selection. I made several visits to this branch inquiring of any proof of my account as I never received any mail about it nor was I able to view it on the ATM screen. Finally, a different service rep printed out the fact that I made such a deposit and the existence of my account. It was this sheet of proof, that I presented to my tax accountant on XXXX XXXX, XXXX. He informed me to withdraw the funds immediately due to no income made in XXXX. So, I went to the nearest branch in XXXX ( XXXX XXXX ) They had me fill out paperwork and then suggested I return to the XXXX branch where I opened it up to resolve it. I told them that I should not be penalized as an early withdrawal because it should not have been at all. Well, I insisted that they call the XXXX branch and clear it up. I still had tax business in XXXX. They called the Retirement product division and a XXXX XXXX had me to write a letter with the account number and that I wanted it returned and deposited in my checking account. I had to sign it, it was faxed to him. I still had to fill out the distribution paperwork and on it I selected the box, do not take out federal taxes. After explaining to the XXXX representative, XXXX, that I am not agreeing to pay any taxes at all because I was allowed to open this account in error. I waited on line and she gave the teller my paperwork and the transaction was complete. I am concerned that the IRS is going to treat it as an early withdrawal still, even though there was a misstep.
Procollect calls me all the time. They must have the wrong number.. I do not know the person they are trying to reach I asked them to stop calling me but they have n't.
We have received an email from Castle payday threatening us with VIOLATION OF FEDERAL BANKING REGULATION, COLLATERAL CHECK FRAUD and THEFT BY DECEPTION for a supposed loan of {$400.00} - no date of the loan is given. They claim we owe {$1200.00} due to the 469.29 % interest they charge. We DID take out a payday loan back in XXXX 2012 for {$700.00}. It took us almost a year but we paid it off and have the final payment email to prove it. It was the worst thing we could 've ever done because they rob you blind in interest charges. Obviously, they continue to try and rip you off by making threats of " we reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. '' No phone # is given to call them ; only to email them right away if you want to make a payment and stop these legal proceedings.
I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XXXX   XXXX   XXXX  my Transunion credit report is showing my loans twice.   I am in the process of consolidating my student loans with  XXXX   XXXX , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping my  credit score ( FICO  )  XXXX  points!!   I can not do another dispute with Transunion due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score wa s disheartening.     I need to have these "   XXXX   XXXX   '' removed from my report ASAP.     Thank you.
Veteran with XXXX, trying to refinance home to lower years and lower payment, found out my VA home loan got changed by PNC to a conventional loan. Having a hard time doing a VA streamline refinance when you 're being told you do n't have a VA guaranteed loan anymore. Have talked with numerous people at PNC, some say records have been purged, VA does n't have to guarantee a loan ( I already had a VA guarantee in XXXX on this home before I refinanced with PNC in XXXX ), all my closing Documents for XXXX state VA rider, VA guarantee, and so on, my hud-1 says VA. I would like this done ASAP so my new refinance can proceed expediently
Gold Key Credit INC is trying to charge me the amount of {$710.00} and I was never affiliated with this company.
I have a credit card with td bank. Since XXXX of this year I have tried to set it up so I can have my payment come out automatically each month. Each month it has not come out at all and then I get a late fee. I have contacted the company several times and each time I 'm told try again, its not our fault. Try again try again. They say they will reverse the late fees and do not. I have tried doing it through my bank on bill pay and same thing, the money does n't make it to them or come out of my account. I have tried making it over the phone through their automated system and still nothing. I do n't know what else to do. I refuse to pay late payments when I am trying to make my payment and its not working and they refuse to do anything.
Received letter claiming judgement was entered against me and the account was placed with the office to be collected. 

No record of judgement, court filings or even the debt can be verified or found.
THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER.
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XXXX and XXXX from XXXX those need to be removed permanently immediately. i have only filed bankruptcy XXXX time which is in XXXX of XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XXXX or XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. TransUnion reports XX/XX/XXXX. XXXX   reports XX/XX/XXXX. XXXX Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.
My debt is with XXXX, before canceling my policy because i bought a new car i called geico and informed them if i transfer over my current plant to the new vehicle till the contract termination ( one month after ) will i be charged more than my normal rate, representative clearly stated you will not unless you continue to be with us for a new policy for my new car, sweet ... but now collections is harrassing me for roughly {$630.00} which would have been my new payment if i styed with geico. I do not understand this one bit it is not right to ruin peoples lives like this for their own mistake i would have cancelled before buying my new car if they had told me i will be charged a new premium for the one month i had left oh and that month was pid for 4 days before my new purchase.
On XX/XX/XXXX. I noticed several unauthorised inquiry on my credit report. I sent a letter of investigation to Equifax to investigate it and provide me proof because this hard inquiries was not made by me. And I did not authorize anyone to place such inquiry on my report. I requested that if they can not provide a valid proof with my signature on it, they should remove the hard inquiry. I did not hear from Equifax. Equifax never responded to my query and I sent another letter twice without any response. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX. 

But after some months, Equifax sent me an online message without any proof of investigation stating it was verified. They never provided me with any proof with my signature on it as required by the law. The hard inquiry has hurt my ability to obtain credit at a fair rate and cause me financial hardship with high interest. I personally contacted XXXX XXXX  and they sent me a letter that they will remove the hard inquiry, but till date they never removed the unauthorized inquiry even after they have sent me a letter that they know it was a fraudulent inquiry.
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.
I rented a vehicle in XXXX from a company using the name of XXXX XXXX XXXX, ( XXXX XXXX XXXX  XXXX says it has no affiliation and states they just use the name ). They tried at the counter to overcharge me but then backed off and I agreed to rent the car. They said they would drop it at the hotel. The car they dropped off had difficulty starting very old, and in clear need of maintenance. I nevertheless less drove the car for 1 day and returned it in the exact same condition unaware of the full extent of the mechanical condition. I realized it was a scam as they failed to provided the necessary documentation they promised, but at that point it was too late as I already rented the car. I returned the car in the 'exact same condition ' as I received it. My colleague attested to this fact. Nevertheless Chase Card services up held the charge and is trying to make me pay for this scam/unauthorized charge. In addition to the rental fees I was charged an additional {$330.00}. I should not be held responsible for the mechanical condition of their vehicle. I have no way of knowing the mechanical history of these vehicles. I do know I returned it in the same condition I received it.
I requested a credit card for XXXX XXXX XXXX from Citibank N.A. which was approved. I received said card by U.S. Post with ; NO ACTIVATION REQUIRED! 

This card, tied to MY Credit History was allowed to be handled by countless people, ACTIVATED! 

This Practice Has Got To Be STOP. 
Protect Consumer indenty and credit. 

I closed acct.
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.
I have been a client with Bank of America since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the " perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted BOA and was informed I had been charged this fee since XX/XX/XXXX because my " fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded.
I just want to know what choices do I have as a consumer. The car loan company is Santander Consumer USA. I obtained a loan from this company for a used XXXX XXXX XXXX. The car broke down in XXXX after many financial setbacks to repair the vehicle. So I went to a dealership to trade in the vehicle. I still owed roughly 3000 dollars on the vehicle in which my note was XXXX and I paid from XXXX to XXXX. I was then put in a XXXX XXXX XXXX at XXXX. I have been paying on the vehicle since XXXX to Santander Consumer USA. According to Santander or XXXX is what I like to call them, I still owe over 9000 dollars. I just need to know what can I do. I have paid this company over 50,000 within the last eleven years and I still don't own a car. Also my maturity date in XXXX of XXXX.
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( TransUnion, XXXX and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be 4.1 % with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at 4.5 %. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. 

Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). 

Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. 

The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. 

We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. 

Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.
Hello, I have just been informed about Navient 's class action law suit and quite frankly I am shocked that Navient di d n't say anything about this. I had pulled out loans for school back in  XXXX . I was told that I would n't have to pay any interested until 6 months after graduation. In  XXXX , my parents received numerous calls from Navient saying I was late on payments and that I needed to pay, otherwise my credit would be really bad. I talked to all my friends who had the same exact loans, and none of them were in the situation I was in. I was extremely confused and in the long run just brushed it off because I did n't want to have bad credit.. I was afraid for that to happen to me, so I started paying interest during my second year of college and since then have been paying. They stopped calling after that. I would really like someone to help me with this situation please. Especially now that people are coming out about Navient, I also would like an answer. Thank you.
dispute is about Sears credit card who is owned by Citibank. Sears credit card # XXXX. Sears claims that I have not paid my bills for XXXX, XXXX, XXXX of 2015 of which carries a late fee and a processing fee for each month. I was XXXX informed of non-payment when I received harassing phone calls from sears/Citibank 's collection department. I received these calls starting XXXX XXXX, 2015. But, since XXXX 2015, I have not received any bills from them either by email or regular mail. I am more than willing to pay but I want the late fees removed because I never received their bills. They accused me of changing my email. I have the same email for over 15 years. They accused the postal service for non-delivery of mail. I 've been living at the same address for over 40 years. They informed me that the only way a late fee can be removed is by a manager 's OK. I asked them for a manager to call me to resolve the matter. The only person I was able to contact who is not a manager but who did absolutely nothing is XXXX XXXX at the Citibank 's Response Unit. No manager has ever called. To add insult to injury, I have a Citibank credit card ( unrelated to sears ) and I get email notifications and regular mail with no problem. I 'm just frustrated trying to resolve this.
I am not sure if I am directing my question to the correct party, I entered into a loan agreement in XX/XX/XXXX. I missed a few payments at different times which had my account in a past due account however I made monthly payments. in XXXX my car was repossed 2 times, once in XX/XX/XXXX when I asked if I could make the payment on a Friday .. my  car was picked up at XXXX XXXX  and the payment was made at XXXX which included a bunch of extra fees, on XX/XX/XXXX at XXXX XXXX  my car was repossed again. I spoke with Snatander on XX/XX/XXXX, and XX/XX/XXXX and letthem know of my inmtention to pay on XX/XX/XXXX, my pay schedule and was told my car was going to be picked up. my account has XXXX in late fees which are charged at XXXX dollars a day, my car was in the shop twice in XXXX for major repairs ( replacement of the transmission which caused the car to stop in the middle of the street ) which I needed to rent a car for about 2 weeks that cost about 300.00- thus causing the payment to be behind a month- which was XXXX per month on top of XXXX dollars a day. In XXXX my car was in the shop for at least 30 days, because the drive shaft needed to be replaced I spent over 600 dollars renting a car for a month while XXXX worth of repairs were done. I asked Santander on more than one occasion if the late fees can be on hold while repairs were done or if they could push a payment to the end of the loan. I was told they could do nothing in regards to the late payments and they would continue to add up and they only push one payment back during the 72 month loan term which when on my credit report appears as 83 months. I have paid over 20,000 on the loan, the principal balance was XXXX and I am being told I my estiamted payoff as of XX/XX/XXXX was XXXX. I am not sure if any assistance can be provided or if I am even contacting the correct party. If there is a class action suit against them, I would like to be a part of that.
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially modified by XXXX  XXXX XXXX prior to being transferred to Ocwen Loan Servicing. I sent 3 mortgage payments to Ocwen Loan Servicing. After Ocwen Loan Servicing received the 3 payments they submitted fraudulent documents for me to sign to double my monthly payments, which caused my home to go into foreclosure. I was forced to moved out of my home after all of the harassing phone calls from Ms. XXXX XXXX. Ocwen Loan Servicing are monsters.
I had a XXXXAmerican Express credit card that had accumulated XXXX world points on it. XXXX XXXX XXXX XXXX proactively decided to close my card with out telling me. Now I am not able to redeem my points and am wondering what gives them the right to steal XXXX points from my account????