WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is geared towards the benefits of the CARD act of 2009. The card act states that the card company must apply payment towards highest APR for any promotional balances on your card except in the ending 2-3 billing cycles for a lower APR. 
CITI bank credit card FAQ reflects this information and even references the CARD act in multiple locations on their website. 

Here is my problem. I had an introductory balance transfer at 0 % for 18months. around 12 months into it i did a balance transfer at 1.99 %. For the last 6 months of the 0 % very little of my payments went toward my 0 % balance. I expected payments made during the last 2 or 3 billing cycles to be applied to the balance so i paid accordingly to get my 0 % balance to {$0.00} so as to not have a balance that rolled over to 15.99 %. This was not the case and the majority of those last 2-3 payments went toward the higher APR balance. 

CITI told me that only the payments made after the balance has been rolled into the 15.99 % will be credited toward the lower APR ( basically it would be impossible to pay off any substantial amount before 0 $ promo ended ).

I mailed a letter and payments, statements, and screenshots from their website indicating such information to CITI and I received a letter back stating that they only apply payments to the higher interest rate. WHICH IS WRONG!!!! 

After the final bill came out with the 0 % balance switching over i paid the balance and it still was not reflected on the proper balance so i ended up getting a few hundred dollar balance with interest acruing on it. 

I asked for an extended period of 2 or 3 months to make additional payments against at 0 % since they did not honor the CARD act properly. I was given no such option.
American Express mailed me an offer of XXXX bonus Delta Skymiles if I applied for a card. The offer had my existing personal Skymiles number referenced on the offer. There was a website link on the offer XXXX, however a few days after I got the mailed offer, XX/XX/XXXX I was on XXXX 's website purchasing a ticket and prior to finalizing my purchase, an American Express offer to apply was presented. This offer appeared to be for XXXX miles but I remembered the offer I had gotten in the mail, and applied ( with the assumption that my Skymiles number would, both on the mailed offer and on my XXXX account, would internally honor to XXXX miles offer ). When I got my card, I noticed the disclosures only referenced the XXXX miles and immediately called the customer service number and asked Amex to honor the XXXX miles offered to me on the mailer. I spoke with a gentleman named XXXX and was told that because I did n't apply on American Express 's site, that it was not the same offer. He said I could apply again and close the card I had just gotten. I said that I 'm not going to have another inquiry on my credit bureau when you or someone with authority should simply be able to internally code my brand new card with the better rewards offer, and if they were n't willing to do so I did n't want to even activate the card and would close it. Also, the website on my mailed offer was clearly a XXXX website ( XXXX ), not advertised as an American Express website, so he asked me what the code inside the mailer was. I gave him the code XXXX, which he confirmed was a XXXX offer code. There was no where for me to enter a code on XXXX when I did the application when purchasing my ticket, but again, I figured since they marketed me through my Skymiles number, it would honor the better offer. At this point I was told a resolution ticket would be opened and that it should n't be a worry that they would go ahead and honor the better offer. The resolution code they gave me was XXXX. American Express is supposedly renowned for their excellent customer service so I had no doubts that common sense and service would prevail, however, 6 weeks later I still am waiting on a resolution. I called back, spoke to a manager named XXXX and was told the case was not resolved but the odds were I would not get the additional XXXX miles because I had n't applied through the correct channel to begin with, but to call back in a few more weeks. I was being given the same excuse all over again. To me, this is misleading marketing and advertising and I would like a resolution that results in the additional XXXX miles to be honored.
Equifax continues to report that I have a tax lien from the State of XXXX and although they say it has been removed, it continues to remain on the report It is in the amount of XXXX and was inaccurately posted when I lived in XXXX, XXXX and had to prove XXXX residency.
I came into this location last night XX/XX/2018 to send an emergency money wire. there was a mistake made where the funds were sent as a pickup in Illinois instead of Nevada which was listed on the original form. My party was not able to pickup the finds in the time she needed them and she had to acquire the funds elsewhere. The western union store rep changed the pickup location but by the time my party had got the funds already. I called into Western union today to discuss the situation and was met with a rude foul representative that refused to refund the fees for sending the money claiming that the company did perform the services even though the finds were sent to the wrong state initially and my party was not able to refund the money. I informed the western union phone rep that i would no longer use western union services since they were stealing service fees from me at this point for services that were originally not performed.
On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.
XXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.
about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall
My finance company ( PennyMac finance has taken money from my account and made second payments for several months last year. I have tried to work with them, but no luck. They also made insurance payments to XXXX insurance companies even after I notified them XXXX was canceled. The money that was returned from the canceled insurance company was not put back in the Escrow account, but was used to make extra monthly payments on my loan. I was also charged a late fee although I have Bill Pay and mu mortgage payment is sent to PennyMac on the XXXX of every month.
We have received notice from Nationstar Mortgage ( now Mr Cooper ) over the course of the past two years that my loan was In default Eligible for modification Approved for modification In foreclosure Despite several attempt to have them clarify in writing what the correct status was, we instead have received responses that do not specifically answer but only perpetuate the situation. 

As we actively tried to seek clarity, out loan was transferred to XXXX XXXX XXXX who we appealed to as well. They provided us a response that contained information ( that they received from Nationstar ) that contradicts our records. 

In our correspondence with XXXX they have not mentioned the foreclosure status, so we question if Nationstar had given them accurate information about the status of our account now and also at the time our loan was transferred. 

We have recently sent a notice of error resolution and information request which we sent copies of to Nationstar ( now Mr Cooper ) XXXX XXXX XXXX firm ( representing Nationstar ) Your agency. 

We DID NOT attach documents because they do contain personal information. We can send what ever you need to help review our complaint.
I have tried online and in writing.All XXXX agencies have asked Questions about accounts I have or may have had. I have had over XXXX accounts from car loans to mortgages to banks and credit cards which some have changed names over the past 7 years. I have had no credit activity for over 6 years. I am in desperate need for all XXXX credit reports and have run out of options.You can apply for credit with a business with just name and SS # and they can get your report in minutes ( ridicules ).
I try to cash out on   XXXX   XXXX   but it says that my back has n't updated i n 8 week s, not sure why. I went over everything 3 times just to make sure it was correctorthay everything was filled out so I do n't understand what 's going on. Please help!
An OCC complaint is being filed on behalf of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX, NY. This complaint describes the unnecessary denial, the duplicity shown in negotiating the file, and how getting answers that should be disclosed immediately under federal law became a trial in and of itself, comparable in despair-inducing frustration. 
As Wells Fargo and its underwriters ' has seen fit to deny XXXX XXXX ' loan modification, by simply stating the loan was denied due to not providing valid documents. We have complied with this back and forth for some time, since XX/XX/XXXX immediately supplying documents as requested. Please note, XXXX XXXX attempted numerous modifications on his own, with the result of countless denials, DUE TO LACK OF DOCUMENTS, and no specific clarity to why they are requesting such documents. Ie : social security numbers for each tenant or photo ID for each tenant and countless bank statements or proof of address for each tenant. Explain this ridiculous and unprecedented RECENT denial. 
The Law Office of XXXX XXXX has made countless phone calls requesting updates on the modification review and was advised that more and more documents were needed. Not to mention, the last few mediation meetings resulted with Wells Fargo 's attorney remaining clueless on the fact that the loan was currently under review with Underwriters. We not only have to call and confirm that everyone is on the same page, but with each mediation visit, we feel compelled to supply proof that documents are being submitted to Wells Fargo. This is clearly a waste of everybody 's time. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process, including, XXXX XXXX, who had no clue of the process and XXXX XXXX, whom we never get a chance to talk to since the loan was assigned to her. Since then, I have escalated the file to the Executive Manager Department, currently speaking to XXXX XXXX, ext. XXXX. She too has no luck in finding the accurate answers to why the loan was denied for a modification. XXXX confirmed leaving messages for the Underwriter and one of the Managers- but to no avail. 
This denial comes with the unprecedented swiftness, and it is the belief that XXXX XXXX and his attorney representatives that is was handed down in haste, without due consideration, and without argument there was nothing in the way of explanation as to why Wells Fargo is forcing XXXX XXXX into a position where she will lose is home. This has been going on for five years now. All XXXX XXXX wants to do is go back to making mortgage payments to Wells Fargo with an affordable modified monthly amount.
Synchrony Bank had charge off the account on XX/XX/XXXX and I contuined to make seven addition payments after the account was charged off on the amount of {$150.00} that were never included as part of the payments but the money was never returned. 

Payments collected after charge off date : 1. XX/XX/XXXX - {$150.00} 2. XX/XX/XXXX - {$150.00} 3. XX/XX/XXXX - {$150.00} XXXX. XX/XX/XXXX - {$150.00} 5. XX/XX/XXXX - {$150.00} 6.  XX/XX/XXXX - {$150.00} 7. XX/XX/XXXX {$150.00} The account was sold to a collection agency. I have requested that Synchrony Bank to submit validation of the amounts paid under the Fair Debt Collection ACT ( FDCPA ), they have not answered and have refused my request. This is clearly a violation of the the FDCPA laws and my rights.
I made a purchase XX/XX/2018 at XXXX . The order had problems. I used return label provided and returned about XX/XX/XXXX XXXX 2018. I never received the credit so I disputed the charges since items were returned. XX/XX/2018 I files a complaint and Ms. XXXX XXXX of XXXX  exec office contacted me by e-mail. I replied several times but still no credit issued. I e-mailed in XXXX and XXXX. I called XXXX maybe XXXX and XX/XX/XXXX and XX/XX/XXXX. She finally posted one credit but all of the late fee remained. I have late fee and negative report on my credit. XXXX told me I could pay and wait for refund. Why should I pay what I don't owe? I won't and I didn't. I received a bill for {$130.00} late fee on top of late fee.
I called Avant and told them that my ex wifes loan was getting paid through my bank account and they told me that there was nothing they could do about it.
On XXXX/XXXX/XXXX, I attempted to purchase dinner at XXXX XXXX for {$42.00}. My debit card ( ending XXXX ) was denied twice, even though I had {$370.00} approx. funds on deposit. I then used my debit card from my daughter XXXX XXXX XXXX XXXX account ( ending XXXX ), in which the entry was approved. When I called XXXX, they told me there could be a series of events that could flag as my card for suspicious transactions. That would make perfect sense if I had made several transactions. This was not the case. I would even understand if the transactions were in larger amounts than normal, which again was not the case. On XXXX I used the work vending machine {$2.00}. XXXX, I used XXXX ATM and transferred {$110.00} to my daughter 's account ( I transfer funds every month ) and paid my XXXX XXXX. On XXXX, purchase at XXXX {$5.00}. These series of events flagged my card as suspicious?!? 

It is horrible that XXXX, who is a multi- billion dollar FI is denying transactions that does n't even sum up more than the {$50.00} of the minimal liability of a REG E claim!!! 
This is horrible. Why should customers be denied for transactions for such small amounts, and embarrassed and then having to clear up an misunderstanding with them when there was not misunderstanding ... again, I had the funds on deposit!?! 
This is NOT good business and lousier customer service!
Debt recovery solutions has recently purchased a debt. They are reporting this account ( Account # XXXX ) to my credit bureau erroneously. I have requested documents to verify the original date of delinquency, and have yet to receive them. The date of delinquency that this company is reporting is incorrect. Which provides evidence that they are in violation of the FCRA. Reporting and renewing the effective date. Also, I never received any type of notification in writing prior to this account being reported to the credit bureau. I demand that they have this account deleted from my credit report immediately. If this matter isn't resolved in a rapid manner then you will leave me no choice but to contact my legal counsel in this matter. I want to resolve this matter amicably. Thank you!
AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. AdAstra just provides a 1 page letter with a balance due, they are not providing the documentation that I have requested to validate this debt. I requested that the debt be validated, which it never was and as a response to this validation request, I continued receiving balance statements. I repeated the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation.
U.S. Bank offers online deposits and initially the service was good and fast. You could submit a deposit using their Deposit Point and within 10 mins get a email notification that a deposit has been received. Then within 10 mins you would receive another email stating the deposit has been approved meaning that the funds are available. Now it takes 24-48 hrs for the approval and every time I call they have some excuse for the delay. How come the other banks can process deposits regularly at now U.S. Bank? I have never had any issues with my deposits and these are all for small amounts under XXXX for expenses from the company I work for. I have been a customer for over 8 years and will be forced to going in to a branch because online deposits is unreliable.
Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.
I XXXX and am not able to work at the moment. My payment is XXXX per month. I owed them {$200.00} and tried to give them all I had which was {$140.00} and they refused the payment. They keep threatening me to take my property and file a lawsuit against me. I told them I have doctor notes and paperwork from orthopedic doctor and they said they do n't care that I signed a contract and they want their money. How can they refuse to take what I can give and then threaten me with lawsuits, wage garnishment, and repoing my property???
I had sent a request to all XXXX credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. Trans-Union and XXXX  both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why transunion and XXXX seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to XXXX and Trans-union just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more
I am filing this complaint because experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible.
As I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulatlions enacted as a result of CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibility or the mandates nor the liabilities should that entity becomed deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE AND physically proven metro 2 compliant informatlion reporting I do not AUTHORIZE YOU to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already rectified by the other major credit bureaus as mandated by law. thank you in advance here is a timeline of events XX/XX/XXXX17 I mailed experian 1st dispute letter via certified mail with return receipt which included my I.D . XX/XX/XXXX17 I faxed over a 2nd dispute letter to experian and also used their website to upload my dispute onto their website along with my I.D .
XX/XX/XXXX17 Finally received my 1st. letter from experian asking for a copy of my i.d.?? after they have already received it from me twice.
The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to XXXX a {$700.00} balance. I can not believe XXXX  would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want XXXX  to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX XXXX XXXX.