WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I opened a CareCredit account backed by Synchrony Bank. I did this at a XXXX  office. It was on a promotional offer for 0 % interest for 18 months. I ca n't see the original amount because my online statements only go back 12 months. <P/>I immediately went home and called CareCredit. I informed the rep that I wanted to configure my payment account to automatically pay it off on time. I told the rep I have money and I do n't need credit and the only reason I took this account is because it 's free. I asked the rep " So on XX/XX/XXXX, this will be paid in full with a balance of {$0.00}, right? And the total lifetime fees and interest will be {$0.00}, right? '' and the rep confirmed my calculations that yes it is as I said. <P/>Over time, I saw the monthly payment amount being automatically calculated, and reducing as the balance was reduced. So I thought that meant everything was on plan according to the rep 's instructions. <P/>Now I see that it was n't so, and I am joining the legion of people on this site who were misinformed in a predatory bait-and-switch effect. In XX/XX/XXXX, CareCredit instantly charged me all the retroactive {$890.00} in interest plus about $ XXXX/mo ongoing interest, putting my balance back up to almost its original amount, as if I effectively have to pay my medical bills twice. <P/>I just now found this out in XX/XX/XXXX because I thought the balance had been completed. The online statement history only goes back 12 months! So I called CareCredit on the phone and even the manager was belligerent and rude, as so many people have said on this site. He told me six times that I had configured my account wrongly and told me what I should have typed in, and that there 's nothing they can do. I asked him to quit repeating that, and tell me who I can escalate to -- so he repeated it again and again. I received not one single concession, no path of escalation, no recourse, not one word of options -- just blame. <P/>I have never dealt with a credit card company that 's this obstinate, and with such a losing attitude. I escalated again, but I do n't expect to be called back or to be given any options at all. <P/>The account has never been late or had fees other than interest, and everything has always been " paid as agreed '' status. The current balance is {$1900.00}.
I am complaining about my experience at the Citibank branch on XXXX XXXX in XXXX. I visited the branch with my mom to check our checking and saving accounts, but we were told that my mom 's checking and saving accounts were closed due to inactivity. To even more of a shock, we found that her account was deducted monthly service fees for years while she was abroad until the point that Citibank decided to close her account and report unclaimed property to the State of California. 

I acknowledge that it is her fault not updating her address, but there is a contact number and email on file. If Citibank did exert a minimal level of due diligence, they could have easily reached her without having to resort to this action. 

As we met with XXXX XXXX XXXX, the Branch Manager, not only did he act like he was not able to help but also show contempts towards us! He said : " when your mom went back to XXXX, she should update her address. We have so many international clients, and we can mail her statements internationally. '' First of all, we are not from XXXX - he judged us based on our races/appearance. Second, we already acknowledged that we did not update the address, so what is the point of repeatedly mentioning this without really addressing the problem. He then went on to say " we only have your mailing address on file, so that is the only way we can contact her, '' but he later found out that a phone number and email address were clearly listed in the profile. He was not actively trying to resolve our problem, and instead just beat around the bush to ridicule us. He did not show empathy to what has happened to us, and made jokes about there are people like us too by saying " there customers who thought they have their vacation money, but only to find out their money is gone. ( laugh from the manager ) '' I think XXXX XXXX XXXX was not behaving in the manner that I would expect from a customer service perspective. He was demeaning and showed contempts to customers. 

I hope you can seriously address this issue, because I am now very upset about Citibank 's lack of due diligence in verifying accounts of inactivity, deducting service charges without notifications, closing accounts without verification, and also the unprofessional demeanors of XXXX XXXX XXXX. Thank you for your attention.
I had been sending weekly payments to the mortgage company which basically were one quarter of the monthly payment. The mortgage company accepted these for many months, reconciling at the end of each month and applying the funds to the mortgage. This last month they started to send the checks back and requesting a full payment. I would deposit the check and then re-schedule the payment again. After receiving all these payments and returning them, they sent a past due notice with finance charges. Today I receive a notice that they will take action to collect a debt. All the while receiving and returning my funds. 1. They are violating the law regarding no penalty for prepayment, since my weekly payments added up to an amount greater then my monthly payment and 2 ) I am being singled out by someone internally who wants to make a point. Actions to collect funds should be sent to those who default, not a citizen who has been making payments that were previusly accepted to this point.
For the last XXXX  years, my credit score did NOT show details and people have been using my Social Security Numbers to commit XXXX XXXX XXXXs, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of Transunion, XXXX, XXXX and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
My Ex ( XXXX XXXX XXXX, Date of Birth XXXX/XXXX/XXXX ) seems to have had XXXX credit card ending with XXXX issued under my name, and not made payments since XXXX XXXX, thus going to collection agenciesI contacted XXXX fraud investigationThey are investigating it along with local investigators in XXXX, IL police departmentPlease make sure My crdedit score is readjustedThe lady investigating this credit card fraud from XXXX XXXX XXXX who can be reached at XXXX XXXX XXXX would appreciate if this credit card fraud is reported to other XXXX credit bureausMy name XXXX XXXX XXXX of birth XXXX/XXXX/XXXX and can be reached at XXXX
XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.
In  XXXX  f   XXXX  , I filed a dispute request that a bankruptcy that had been included on my credit report be validated and verified with Transunion. I received a notice from both companies saying that the information was had been verified and that it would stay on my report. It also stated that if I had any further questions, that I should call the court for more information. Upon calling the  Federal Court bu ilding in  XXXX , I was told that they do NOT verify or validate information for ANYONE. I called both credit agencies, and was told that they verify through a third party. I then asked for supporting documents, stating that an outside company saying the info was correct was not enough. I was told that they were not required to validate or verify info with the ORIGINAL REPORTER, and that t he third party was enough. I responded that it was not, and that by law they are required to research the dispute with the original reporting agency ( just like they make consumers do ).      I want this item taken off of my report immediately or make be forced to take other avenues for actions, and/or restitution.
My family rented an apartment from XX/XX/XXXX through XX/XX/XXXX. The lease was a 6month lease. During that time I incurred expenses from having to fix/service/clean the HVAC unit after the apartment complex refused. Then about a month later the entire HVAC unit went out, and the apartment was without central heating and air for about two weeks. During that time the apartment became uninhabitable and we were forced to vacate on certain days. The refrigerator also went out, which was the apartments responsibility and we lost a months worth of groceries. My family was forced to break the lease and go find a habitable residence. To make matters worse on top of having to deal with all these maintenance issues, my wife is a XXXX and her meds have to keep cool and the shear heat of the apartment can and did effect her XXXX, which was one of the main reasons we were forced to leave on the extremely hot days. 

I mentioned the above problems and asked for reimbursement on multiple occasions but to no avail. I filed complaints through the apartment complex, their corporate office, the XXXX, XXXX, XXXX, and XXXX. All of which were unable to resolve this issue. I later found out the XXXX could n't do anything because in fact the complex is n't an accredited business. I am now currently fighting this issue with the credit bureaus because the bill was sent to collection and it 's on our credit. The one time I spoke to the collection agency I was told they did n't want to hear my story and I owed the debt, and that if I did n't pay I 'd be reported.
In order to have the debt/collection removed from my credit report, the debt was paid XXXX/XXXX/16. I was informed verbally and in writing that the debt would be removed and as of today it is still present.
XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.
I was notified that my job was laying me off while on XXXX, I was not told that I need to sign documentation regarding my severance PRIOR to me taking a new job. Employer did not give me the severance package indicated in my emails. My house is now in foreclosure - I found a new job and I have the money that is currently owed on the loan but the legal fees is keeping me from reinstating my loan.
I had made a purchase at XXXX XXXX for {$1000.00} on XX/XX/2018. I had returned the item immediately to them and XXXX 's took a long time processing the refund, but it was processed on XX/XX/2018. During this time I had made a payment. Interest had accrued and was not posted to my account until after that. Based on {$8.00} interest, It was reported to my credit as a late payment. I was not made aware that I had a balance on my credit card for {$8.00}, and I should have been notified before it was reported to my credit agency. This is ruining my credit score.
Dear XXXX XXXX Transunion XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has  already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.
I have been trying to access my Credit Reports from Transunion, XXXX and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same
XX/XX/18, XX/XX/18, XX/XX/18, Inaccurate reporting information about I have recently been informed that there is negative information reported by Maryland Federal Court-XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report. 

After contacting the Federal Court Clerk office, I was told that they do not report to credit bureaus. I then challenged them on the accuracy, compliance of where this information came from. I received information back from them stating it was verified and it will be no change. Sent another letter asking for them to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately deleted from the credit file that they maintain under my Social Security number as its violates the Fair Credit Reporting Act.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I 'd like some form of commitment that this wo n't negatively affect my ability to get a mortgage in the next few years.
Transworld Systems is reporting a student loan from original creditor of XXXX XXXX XXXX to my credit report. I have a final statement from the original creditor XXXX showing the account paid and a XXXX  balance. This debt has been previously sent to a different collection agency with the name of XXXX, this company contacted me and i sent them the statement of proof of XXXX balance and the account was removed. Transworld systems is now trying to report the same loan from the same creditor with a higher amount and incorrect date despite it being paid in full and was never with a collection agency. I contacted Transworld Systems and was told the account is with their legal department and was given their phone number, i spoke with them promptly and was told the account with them has been closed for a long time and that i have to speak with Transworld systems. However they refuse to speak with me regarding the account. I have PROOF this was paid and was not a collection account, yet they are still reporting it to my credit report on all 3 credit bureaus.
Creditor has twice reported me delinquent on XXXX separate accounts with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. i have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I have no knowledge and despite my two attempts to contact them regarding this debt.
I received an offer to apply for a Citibank CitiGold Checking Account, with a sign-up bonus offer of XXXX XXXX XXXX miles after completion of the terms ( a direct deposit, 2 monthly bill payments, etc ). I completed the terms of the offer. I sent a message asking to confirm completion of terms and when to expect the miles. I was assured that I completed the offer and I would receive the miles on XXXX/XXXX/06. On XXXX I sent a message to make sure the miles would post as promised, only to receive a reply that I was not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a message from Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!
On multiple occasions  Carrington Mortgage Service ( Carrington MS ) called me and said my mortgage was past due when in fact my mortgage was current. Ive never missed a payment or even been one day late. About a year ago Carrington MS sent me a letter stating that my online payment was rejected and my mortgage was past due and my account had been blocked from making payment online until the issue was resolved. I called Carrington MS and after I told them the payment was deducted  from my bank account on the due date they said the letter must have been a mistake. In  XXXX  o f 2017 Carrington MS started of fering automatic payments. I signed up for automatic payments on  XXXX   XXXX ,  2017 . My fist automatic payment was scheduled to occur on  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,    2017 Carrington MS called m e and said my mortgage was past due. The customer service representative then told me they were having issues with the automatic payment system, but they failed to notify me they were having the problems.
Approximately, XX/XX/2019 I received a wire transfer via another PayPal member. After trying to withdraw those I was told there was an " issue '' with my account and I needed to be verified. Over the course of three days I've been on hold with this company for over 4 hours with the reps telling me to " call back tomorrow ''. I've verified who I am through several transactions, account history in addition to credit report inquiries. Still, I'm told " there's something wrong ... you're going to have to call back tomorrow ''. Each day the wait to speak to a live representative gets longer and longer in addition to the {$100.00} my friend has wired me the balance is now {$96.00}. I've asked them to just close the accounts and mail the balance, again, " call back tomorrow ''. This is unacceptable ( especially for someone that's almost XXXX months behind on their mortgage due to the government shutdown. This friend was just trying to help and send what he had ... this has now turned into a nightmare ).
ON XX/XX/XXXX I submitted a complaint with the CFPB reference XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that XXXX XXXXXXXX XXXX XXXX provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount XXXX XXXXXXXX XXXX XXXX bought or sold my account for. I am currently working with a law firm who does pro bono work, and requested the above issues addressed. I have also filed a complaint with the Arizona Attorney General 's consumer complaint unit. 

Thank you.
I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at XXXX Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. XXXX Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at TD Bank. XXXX confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted TD Bank, upon XXXX Bank 's insistence. but TD Bank is saying to contact XXXX Bank. Neither wants to take responsibility for verifying the payee. TD Bank refuses to give any information to me and says XXXX Bank should contact them so both banks could resolve the issue. XXXX Bank refuses to handle the matter.. Attached is a copy of the XXXX check, and a copy of the audio recording made with TD Bank who says XXXX Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- TD BANK AND XXXX BANK.