WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I opened up a Citigold checking account by applying a promotion code XXXX. With that code, XXXX Thank you points would be credited to my account within 90 days after I complete all requirements within 60 days after account opening. Before I submitted the application online, I called Citi customer service and one representative confirmed that I would get the bonus if I used that code for account opening and pay XXXX bill for two consecutive months with 60 days. I have done much more than enough to fulfill the requirements. I contacted Citi customer service 90 days after I completed all the requirements ; however, I was told that I was not targeted and I could not get the bonus. Furthermore, Citi charged me $ XXXX monthly fees each month. I deeply feel that I was mislead during account opening and I have wasted six months waiting.
Since the year XX/XX/XXXX XXXX, Experian and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. Experian and XXXX  have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.
I recently contacted Experian about incorrect information they are reporting on my credit file letting them know that this account on my credit file is not mine and I even contacted the company from which was showing up on my credit file and they informed me that they do not have any accounts open or reporting on my credit file and if it is it must be in error. I have attached the letter the company sent me. I then contacted Experian sending them the letter the company sent me letting them know that this account is an error on my credit file and to have it removed but Experian sent me a letter XXXX XXXX saying that I contacted them in error about the account that is n't mine on my credit file and that they are n't going to remove it.
equifax reports XXXX XXXX XXXX # XXXX WITH A FALSE DOFD. 
THE CORRECT DOFD IS XX/XX/XXXX.XXXX BUREAUS HAVE A DIFFERENT FALSE DOFD AND RADICALLY DIFFERENT PAYMENT HISTORIES YET ALL HAVE BEEN RECENTLY " VERIFIED '' .WITH THE CORRECT DOFD TD BANK COULD BE REMOVED FROM MY REPORT NOW.
Iam filing a complaint against Navient department of education loan servicing. I have been a student since XX/XX/XXXX, loan repayments are not due until you finish school. Right now Iam under the loan forgiveness program because Iam unable to start making payments. I have called every month for the last 5 years to indicate if I need I am able to make the monthly payment or if an extention is needed but the agent forgot to update my account and now my credit report is showing XXXX derogatoring marks, that is drastically affecting my credit. Navient is reporting that I have XXXX late payments for XX/XX/XXXX, and that is not correct. I have tried contacting them sending them letters to fix and delete the mistake made by their agent and I get no response from them! I have asked them in several occasions to please mail me the copy of my forbidance letter and they never do!! All they send is a summary of the bill.
My home foreclosed in XXXX of 2010 with BofA. BofA had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with BofA to be sure. Last year, after four years of the debt not being pursued, BofA sold the debt to XXXX XXXX XXXX, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
Please be advised that attempts to return the vehicle to XXXX XXXX, where it was original leased from, were made on XXXX XXXX, XXXX ( the due date ), and again on XXXX XXXX, XXXX, and each time Toyota refused to accept delivery of the vehicle. On XXXX XXXX, XXXX, we went to Toyota to return the vehicle, as per the Toyota employee 's instructions. XXXX XXXX refused delivery and told us that the leasee must be present at the time of delivery to sign certain documents for the dealership to accept delivery of the vehicle. We told him that Toyota representative was advised leasee was out of the country ( days before the due date ) and she confirmed that the leasee did not need to be present when the vehicle was being returned because the leasee was not interested in purchasing the vehicle. XXXX response was ( she ) does not have the authority to make such decisions therefore it was irrelevant and we were told Toyota could not accept delivery at that time. On XXXX XXXX, XXXX, we contacted Toyota to advise that there was an executed a Power of Attorney authorizing her agent to sign the forms and return the vehicle on her behalf. On XXXX XXXX, XXXX, I went to Toyota with the original Power of Attorney to deliver the vehicle, as per XXXX instructions. I spoke with XXXX and advised that I had Power of Attorney and was legally authorized to sign whatever forms to return the vehicle. XXXX refused to look at the Power of Attorney, and further stated that Toyota was not legally obligated to take back the vehicle at their dealership and his boss was the person who would decides if they will take the vehicle back. I asked what the alternative was, XXXX refused to provide any assistance. Furthermore, XXXX stated that because I had an attitude he wasnt obligated to help me. I asked him for the telephone number of the dealerships legal department so that I can fax a copy of the Power of Attorney for their review and approval and he refused, reiterating that his boss was the person who needed to make the decision. I advised that I would like to have my attorney contact his boss to confirm my legal authority to act on behalf of my mother, he said that I was threatening him with lawyers and didnt like my attitude and proceeded asked me to leave the premises. Upon being asked to leave the premises I contacted the bank, XXXX, to ask for assistance returning the vehicle. XXXX in the XXXX XXXX Department advised that although the lease agreement between Toyota and the Leasee may not specify the exact place that the vehicle is to be returned at the end of the lease, the agreement between Toyota and XXXX does state that Toyota is contractually obligated to accept delivery of the vehicle at the end of the lease term. To date, I still have possession of the car, it is overdue, and the bank has had to intervene on my behalf to get them to fulfill their contractual obligation to myself and the bank, XXXX.
Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.
I started the claims on XX/XX/2018 for two unauthorized withdrawals from my account worth {$900.00} from my checking account and {$1900.00} from my savings account via a bank of america branch in XXXX  ( I live in XXXX XXXX due to school and was nowhere near XXXX at this time ). 

They told me it would take 60 business days to resolve but was recently told they can not extend past 10 unless they give me provisional credit due to regulation E. Well, their customer service lied to me and they never game me funds. It has been already been 30 business days and they still refuse to give me my funds and there has been no updates to my claim ever since I started it. Bank of America is having their customer service lie to their customers so they can take their time and refuse to give funds.
I filed a complaint with American Express and it seems that they have overlooked my issue and concern and have not fully investigated my problem. 
american express claims that since the merchant allegedly try to contact me that the issue could have been resolved however indicated to them that no one has contacted me other then to purchase more items at a higher quality. American Express seems to be taking the side of the other party without fully taking into consideration of what I have endure by making a purchase using their American Express protection plan. It seems as if they do n't want to hear my side of the situation and it is making me feel like I am being discriminated against. I have lost money due to purchasing this product and no one has addressed that issue. American Express has also failed to fully investigate the faulty items I received and solely sided with the other party because they claim the other party has offered to replace the item with a similar item. With all due respect if the item I purchased was damaged why would I want to buy the very same item again? I would rather take my business elsewhere. Furthermore I have several of the items which are faulty in my possession. 

Thank you for your time and attentionPlease see below in that American Express failed to respond to the Better Business Bureau with regards to my matter. 

Complaint ID # : XXXXBusiness Name : American Express Financial AdvisorsThe XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not received a response from the company. 

The XXXX develops and maintains Reliability Reports on companies in our service area. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the company 's failure to promptly give attention to the matter will be reflected in the report we give to consumers about them. 

If the company has contacted you in the interim, please notify the XXXX immediately at the address or e-mail provided below. DO NOT RESPOND DIRECTLY TO THIS E-MAIL, AS IT WILL NOT BE RECEIVED BY THE XXXX. 


Sincerely, XXXX XXXXDispute Resolution SpecialistXXXX Complaint XXXXXXXXXXXXXXXX Serving Western XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX
I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information.
The credit reporting agency has delete a positive account from my credit report without authorization the account is XXXX XXXX and its account number is XXXX. I did not want company to do an investigation on this account did not have my permission
In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.
On XX/XX/2017 I received communication from CBE group regarding a debt on behalf of XXXX. I canceled XXXX and was advised that even though I canceled I was charged after the cancellation. I disputed the debt and requested the verification in writing. I was denied the request to have the debt verified. The collector also told me without asking permission that my boyfriend 's cell phone would be called on an auto-dialer which is if I am mistaken is a violation of federal law.
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit  reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking XXXX to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amountof {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed  documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair DebtCollection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, was listed as the debt collector for an amount of { {$1400.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!
My checking account at TD Bank was overdrawn. I had XXXX transactions which totaled roughly {$30.00} ( they were small transactions ). I was charged {$35.00} for each overdraft for a total of {$280.00}. Subsequently, TD Bank removed one of the charges, so the total of the charges is {$240.00}. I called customer service and spoke with a representative and a manager. I asked if the fees could be reduced because this was excessive. The representative said that the charges were all legal, which they are. However, my point is the charges are excessive and predatory. I am a XXXX, trying to do the right thing. I work part time, ironically at XXXX XXXX Representative. I do not mind paying one overdraft fee of {$35.00}. But XXXX fees is excessive. 
This also happened over the course of 24 hours, so it happened very quickly.
Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.
Roundpoint paid my homeowners insurance IN ERROR. Only my principal/interest and taxes were getting escrowed. I tried calling many times and got different reps that all had different solutions. I paid the {$2500.00} back. They are now sending me a refund because I paid more than their INCORRECT escrow analysis statement and are raising my note {$150.00} a month. I can not get a direct line to any supervisor to get this problem corrected. I have been on hold for over 45 minutes waiting for a supervisor as I am writing this.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
I went to collage before getting married, and was surprised when they were going to figure my payment from both incomes, but whatever then they said that they base the payment from my PRE-TAX income, if I brought home my pre-tax income I could make a payment, as it was they wanted almost XXXX dollars a month, which was too much and when I offered to send at least XXXX a month for good faith I was told not too bother that it would not be counted. Prior to becoming Navient I was paying XXXX $ a month and there is no record of it from Navient so that was a waste of payments so I have been deferring and racking up interest. I hope too have my car paid off in a few years ( need the car to get to work ) and I can put that payment to my Loans but it would still only be XXXX a month so im at a loss I want to pay but XXXX a month is too much I would rather pay XXXX a month till im XXXX then XXXX and not feed my family
In XX/XX/XXXX I submitted several complaints including but not limited to the following : XX/XX/XXXX (  XXXX - open ) and XX/XX/XXXX ( XXXX - closed ) I submitted complaints to CFPB in regards to my loan with XXXX XXXX XXXX. In XX/XX/XXXX XXXX XXXX XXXX  acknowledged that they inadvertently entered loan information in a manner that was inconsistent with the loan documents my husband and I signed in XX/XX/XXXX. In their letter attached they stated that they were going to correct this and send correspondence confirming such changes. To this date, they have yet to do so. Furthermore, they have failed to process our loan modification application from XX/XX/XXXX.
I reported fraudulent activity that had occurred on my chase business checking account. I called their customer service department as well as went to a local branch within 60 days of becoming aware of the fraudulent transactions. When I met with the chase bank manager he reassured me that I was within the 60 day reporting deadline for reporting the fraudulent transactions and that Chase was going to reimburse me for the fraudulent transactions that had occurred on my account. I also verified that the Chase online policy also stated that fraudulent activity needed to be reported within 60 days. Upon completing their investigation Chase did not reimburse me for one of the fraudulent transactions claiming that I did not report this transaction within a timely manner, furthermore stating that I had only XXXX  days to report the fraudulent transaction. I have looked through the Chase policies fine-print and everything in their policies states that the reporting has to occur within 60 days, not 35 days. When I met with the local Bank manager, he also stated that he was not aware of a 35 day reporting policy for fraudulent activity. I'm helpless at this point and as a consumer and their lack of disclosure puts me in a position where I can not hold them accountable for their own policy. To this day Chase has not provided me with any public-facing proof of this 35 day reporting policy for fraudulent activity. Please help me to hold them accountable.
I contacted XXXX, Mortgage Banker, NMLS ID : XXXX about a mortgage. He did not respond to my call for more than XXXX hours. I called another Chase mortgage broker, XXXX XXXX, Chase, Mortgage Banker and he replied within an hour. The issue was, I needed to close within XXXX days. XXXX emailed me back, that he could not take an application from me because it would take at least XXXX days to close. I emailed him back and explained I could n't use Chase because of this closing time, and told him I appreciated his time that I was going to go with XXXX. A day later XXXX XXXX called me and I told him SORRY XXXX! He did not return my call in time and therefore using someone else for mortgage. Thanks anyway. He was a bit unprofessional on the phone trying to tell me that he had other business and did n't come into the office until Thursdays. I let him know again, I did not need his services and that 's that! He took it upon himself to run my credit, and write me a letter of denial from chase bank. He never should have moved forward with anything after I told him NO 'THANKS. It brought my credit score down during this time which really makes me mad and he denied me when I have over $ XXXX in Chase bank with a XXXX credit score. He is RETALIATED against me by taking this action and that is why I am issuing this complaint. He needs to be reprimanded and I am calling Chase Bank Consumer Direct to make another complaint with the Bank.
There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.
A account I had with you company Account No. XXXX was closed on XXXX/XXXX/2014. Based on a malfunction of your machine that resulted in a loss of funds deposited. Because the only means that said account funds could be verified were by human count customer would be responsible for any shortcomings is misplaced. Nothing has been provided in regard to the existence of any account much less any mens rea towards impropriety. See Attached. As such this item should be removed from all reporting agencies immediately.
I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND XXXX XXXX, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY JH PORTFOLIO IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.