WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX I received a letter from Citi Cards Payment Investigations stating they could not identify my account requesting additional information. In that letter I was given a choice to either call the number on the back of my card or fill out the form they sent me and either fax or mail the completed form to Citi Cards - Payment Investigations XXXX XXXX XXXX, SD XXXX. I opted to call since that would be faster But when I called the customer service people that appeared to be friendly on the other end BUT did not seem to understand what to do and were not able to help me as it appeared they wanted me to make another payment. Customer service just told me what they thought I wanted to hear what ever that may be at the that time. So i mailed the form to the address by certified mail on XXXX/XXXX/2016 which was confirmed received on Friday XXXX/XXXX/2016. Since then I have called your customer service people almost daily for any type of updates to why my account was still not credited the {$400.00} that I sent Citi Cards on XXXX XXXX. 

Lets recap my position so that everyone is crystal clear : I Authorized and Scheduled a {$400.00} payment to Citi Card Using my credit unions Bill Pay ( A Free and secure and fast way to pay bills on line that I have been doing without any issue for over 10 Plus years with all my other bills like XXXX XXXX, XXXX XXXX XXXX, ETC .... ) ON XXXX/XXXX/16 ( Early ) for A bill ( Citi Cards ) That is not due until XXXX/XXXX/16 Bill Pay issued check # XXXX on XXXX XXXX for {$400.00}. on the check is my name, address and bottom left memo section states : NEW COSTCO CITI CARDS ACCOUNT # XXXX. Top left saids : POST TO ACCOUNT # XXXX. I followed all instructions like I do with every new account I add to Bill Pay and HAVE NEVER HAD ANY PROBLEMS. 
ON XXXX/XXXX/16 CHECK CLEARED MY BANK ACCOUNT. 
I get a letter from Citi Cards Investigations ( See enclosed ) Stating they could not identify my account! and sent me a copy Of the CHECK CITI CASHED, THAT CLEARED MY BANK, THAT CITI is EARNING INTEREST ON ( MINE AND THE THOUSANDS OF OTHERS ) While Citi Cards continues to CHARGE ME INTEREST, LATE FEES AND LATER COULD INCREASE MY INTEREST RATE, RUIN MY CREDIT HISTORY ETC, ETC ON ACCOUNT THEY SAY THEY CAN NOT FIND? BUT YET CITI CARDS WAS SMART ENOUGH TO KNOW WHERE TO SEND THAT LETTER, COPY OF THE CHECK AND EVERY TIME I CALLED CUSTOMER SERVICE THEY KNEW WHO I WAS BUT YET CITI CARDS COULD NOT IDENTIFY A CHECK THAT CLEARLY HAD MY ACCOUNT INFORMATION, NAME AND SO FORTH ON IT TO ISSUE ME PROPER CREDIT? 

Desired Resolution : TO BE MADE WHOLE. GET THE XXXX CREDIT TO MY ACCOUNT AND ANY AND ALL INTERESTED BACK DATED TO MY PAYMENT DATE OF XXXX/XXXX/16 ALONG WITH ANY FEES CREDITED TO MY ACCOUNT AND NO MORE ISSUES! PLUS XXXX MONEY FOR THE STRESS THIS HAS CAUSED ME AND MY FAMILY.
On XX/XX/2018, I performed a mobile deposit of my paycheck which has occurred regularly from the same company and the same checks for the past 18 months. However, the morning of XX/XX/2018 I noticed that the mobile deposit was placed on hold. Being a former XXXX and having knowledge of Reg CC, I decided to call the bank and inquire as to why my deposit was being placed on hold. 

After providing my account information and validating my identity, I asked the service representative for the reason that a hold was placed on the deposit. After a brief hold, I was told that a hold was placed because they have yet to validate the availability of funds. I informed the representative that being a former XXXX XXXX  myself I understood the ability to place a hold on a check, however, I was seeking the extenuating circumstance that lead to a reasonable doubt of collectibility of this check and cited that checks for amounts both larger and smaller than the same had been deposited into the account from the same external account which also bared the exact same signatures. So I then requested that they review the information again and provide me with a reason under Reg CC for which they determined that a hold was permissible or reasonable. 

I continued to receive the response that they were unable to immediately validate funds on a check despite additional questions such as if there was an issue with the appearance of the check or other item to which they deemed this transaction as being different from any previous transactions. 

Having reiterated the issue that they can not just go around placing holds on checks without cause and any determination to place funds on hold and asking specifically for a reason in accordance with Reg CC they refused to give a reason for placing the deposit hold. 

I then asked for and received a manager and posed the same questions and was told that they could even place a 10 day hold on a {$400.00} check if they felt like it because they can not immediately validate funds on a paper item. 

After additional futile attempts to receive the reason for the deposit hold I was ushered off of the phone. 

Based on my understanding of Reg CC, not only can the banking customer request the reason for a hold, the determining factors for placing a hold on an item must be disclosed. As I obviously never received one, here is my complaint. 

Personal Information Below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Deposit Amount : {$4500.00} Funds Available : {$200.00} Funds Held : {$4300.00} Bank of America Phone Representative : XXXX ( South Carolina Call Center ) Bank of America Manager : XXXX ( South Carolina Call Center )
This company claims I owe them XXXX however when asked to verify the info doesnt prove I did this as it was all online. My ex used to take out cards in my name without my permission. I need this taken off
I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.
I woke up this morning and there is a negative information on my credit report and I dont do business with this company or had a credit line with them .... they are called tally tech and it in the amount of XXXX dollars and I contacted tally and they are not available and I left a voicemail and Im opening up a fraud dispute with them at the moment .... and I also have a loan in the amount of XXXX from neighboorhood credit union that doesnt belong to me and I put that in dispute and havent heard back from Experian or XXXX  someone fix my credit report so I can live a better life Im a victim of fraud
I was sent a collection notice by Stuart-Lippman and Associates for a debt or over four years ago. I do not have any knowledge of these alleged debt. Furthermore I was a customer of the original creditor XXXX for years at the same time I was supposedly to have owed this alleged debt and was never notified by them. On XXXX/XXXX/XXXX I was notified by the above referenced collection agency that I owed {$270.00} with XXXX as the original creditor. I contacted XXXX to be informed that I was being charged for not reporting the sale of an automobile to them in XXXX of XXXX. I dispute this to the fullest measure. They allege That I did not make a payment and after two months canceled my policy. After all the cancelation fees were added up it was {$270.00}. Again I was a customer of XXXX for years and was never notified of this alleged debt. I was only notified after I canceled my policy with XXXX due to moving out of state.
Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics.
My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.
This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.
I disputed an amount legitimately, but Barclays failed to honor my Master Card Dispute. They do this with large purchases. Since, they did not honor my dispute and violated my rights and my Master Card guarantee, I then cancelled my card and paid all the outstanding promotional balance ahead of time. They have been harassing me for over 6 months now. Since I had to change Internet providers I also had to change my email address, so now they ca n't send me emails. They have harassed me with letters, emails and now many daily calls from a number XXXX XXXX XXXX, with the name Unavailable. They call me when I am sleeping, when I am in the bathroom and when I am away, but never leave a message. When I answered the call, I asked for a supervisor. The caller said she would be calling me in 30 minutes but never did. They are totally disturbing my peace and affecting my health. Because, I had XXXX ; thus, my XXXX ; thus, I get worse with this kind of XXXX. I get XXXX XXXX with XXXX, and get XXXX. I have to XXXX several times a day. 
They know I am in the right, because even though they threatened me to send me to the credit bureaus they have not, because they know they do n't have a valid claim and I do.
I applied for a charge card and was turned down in the bank 's letter tome dated XXXX/XXXX/15. The letter invited me to call XXXX withquestions but even though the personal at that number worked for thebank 's credit card operations they purported to have no way for meor even them to contact the banks credit card decision personal. 
The letter from the bank also invited me to appeal thedecision in writing which I promptly mailed XXXX/XXXX/15. 
Many attempts to obtain a written response tomy Appeal Credit Decision letter since have beenunsuccessful.
On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards
I have tried on several attempts to get this company to validate that Im the responsible party that owe this debt but they have failed to validate.
Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$0.00} This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$120000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$820.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$81000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate.
I went in XX/XX/XXXX to close my banking accounts at the Wells Fargo in XXXX, Iowa and they never closed the account even after my person banker XXXX XXXX said he would take care of it first thing in the morning. They never closed the account and allowed reoccurring payments to go through 3 times after not closing the account and over {$150.00} in fees after that giving me a negative balance of {$180.00}. When I go in on XX/XX/XXXX after finding out just then that this had been going on because they sent no mail to my house and left me no voicemails. When I speak to a different banker she tells me that the account has been closed on XX/XX/XXXX. I ask what happened with the negative balance and she tells me I dont owe anything and that the account has been taken care of. Today, XX/XX/XXXX I go in there because they had sent me to collections with no prior notice whatsoever. They proceed to say its all my fault and that I should of went in to do their job for them basically and say theyre gon na call their resolution center to help fix the problem and that Id hear from them in 2 days. They then call me one hour later and they lie to me once again and tell me that they tried to contact me through call and voicemail multiple times and that I have to pay the full amount to collections. Why would I ignore voicemails from bankers trying to tell me my account that should of been closed has been being hit by {$150.00} of fees? Not only was XXXX XXXX incompetent and didnt know what he was doing, his branch manager was one of the most rude and disturbing people I have ever met. I really need to figure out how they can fix this without lying to me every time they speak to me. Im a hard working man and {$180.00} is a lot to me compared to a bank thats estimated to be worth XXXX XXXX dollars. It felt like I was being robbed. Every time they said they were gon na do the job I asked of them they lied. Especially claiming they called me and left me voicemails and sent me physical mail. I check my phone and mailbox everyday and I never saw anything until I open up my mail today and see a letter from the collection agency, so not even a Wells Fargo notice.
I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment.
To   XXXX   :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  XXXX  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request (  s  )   XX/XX/XXXX    XX/XX/XXXX Account name  XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX    XXXX     XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX   XXXX   XXXX  Date of request ( s ) XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX    XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX   2  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  ) XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX    XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  &  XXXX  Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   -  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name   XXXX   Date of request (  s  ) XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX
I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect.
I had a mortgage with Chase for my property for over 12 years ... ... Chase sold the mortgage to XXXX XXXX XXXX. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with XXXX to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.
Portfolio Recovery has called from this number : XXXX several times. The real problem is that the caller ID indicates the call is coming from XXXX XXXX, and not Portfolio. This is a very deceptive method, and if it is not illegal, it should be. Claiming to be another company to intentionally deceive the recipient of the call just to collect on a debt is wrong.
I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.