WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. 

The latest issue - the customer service folks are not even aware of the correct XXXX XXXX #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. 

The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. 

I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. 

This is so careless mistake by the customer service. 
XXXX has a usual habit or pattern of making simple things complex. Moreover XXXX has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank.
In reference of XXXX  On XX/XX/XXXX, my mortgage was was paid in full, as of XX/XX/XXXX, I have not received the leftover money, I have proof ( USPS Informed delivery screenshots ) THAT I HAVE NOT RECIEVED the money that Penny Mac representative told they mailed.

He or she also stated that " My research found that PennyMac complied with all State and Federal laws and regulations in the servicing of your loan. Therefore, we must respectfully decline your request for compensation '', well she forgot to mention the property lien that regulated in the State or Federal law.

So I want to remind them one more time about keeping a lien on my property pass the State prescribed time.

According to Kentucky Statue - KRS 382.365 " Release of lien, with notice to property owner, within thirty days of satisfaction '' I should have received a notice of lien removal within 30 days of paying of. On XX/XX/XXXX I personally went to XXXX  County Clerks office in XXXX KY and confirmed that there were nothing filled to remove the lien. The same day I paid XXXX  dollars to sent a demand letter to get my money and release of the lien. PennyMac have received the letter on Monday,XX/XX/XXXX.

The only thing the Penny Mac representative was care about is to make response on time with CFPB, The only deadline they met on time.
" Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.
I am trying to have a late charge removed from my credit report that was placed by Navy Federal Credit Union. I have contacted them and disputed this information because I payed the late charge before it went to collections and was told that there would be no impact to my credit report because I did so. This happened in XX/XX/XXXXand I have been trying to resolve this ever since and Navy Federal refuses to resolve this issue. When I request to speak with a manager I am told they are not required to transfer me and they are going to terminate the call. I was never notified that I was late even know I gave the account alerts set up. I have never missed a payment with them since or before this incident. I am disagreeing with it being over 30 days late. Again I just want them to honor what I was told when I called and made the payment.
I tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX XXXX to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
On XXXX XXXX I received my California XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am XXXX. 
I have a Direct Deposit with Chase Bank in which my XXXX funds is electronically wired to my Chase checking account ending # XXXX in the amount of {$4300.00} on XXXX XXXX. I took out {$3300.00} out of the account on XXXX XXXX and there was a balance of {$1000.00}. 
As of XXXX XXXX my auto car payment of {$440.00} with XXXX XXXX XXXX wasn't paid.I have contacted XXXX XXXX XXXX that I will pay my auto loan with another method payments and my auto loan is paid on XXXX XXXX, but not with Chase Bank account ending # XXXX. 
So there is {$440.00} to be credited back to my account with Chase bank account ending # XXXX. 
Also, My Chase Military Bank Account has a overdraft fees of {$160.00} on my account. 
I am respectfuly giving my consent and authorize Federal Government to investigate my complaint and check my Chase account activities and transactions. 
I am XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran.
I purchased a time share in XX/XX/XXXX from XXXX XXXX XXXX, three total payments of {$1700.00} on XX/XX/XXXX and then two on XX/XX/XXXX for {$1100.00} and {$10000.00} for a total of {$13000.00}. I purchased a time share with trading for another resort using XXXX XXXX. 
I would NOT have purchased if there were no " trading privileges ''. When I tried to uses the service I was told I wa n't a member, " my contract number wasn't valid ''. I called and wrote the company in XX/XX/XXXX to request a refund after being given the phone run around since XXXX of XXXX when trying to book a trade of the unit. 
On XX/XX/XXXX I contacted Capital One to dispute the three charges. Since then these charges have been credited and recharges numerous times. I did receive a letter from XXXX XXXX XXXX in XX/XX/XXXX releasing me of the contract and sent a notarized release on XX/XX/XXXX. I signed, notarized and returned this document on XX/XX/XXXX. When I contact via phone Capital One they explain " it's being investigated ''. 
I FAX copies of these documents to Capital One on XX/XX/XXXX, no reply. I feel when I call, I must start over on the claim. They have assigned various case numbers, XXXX,XXXX,XXXX,XXXX   & XXXX. 

On XX/XX/XXXX rather then submitting a payment, I wrote requesting a final credit of {$13000.00} plus a reverse of any interest of late fees. Finally I like Capital One and would like to use my card again, without resolution I can't continue as their customer.
Navient problem. A serious problem. My daughter is a college grad with high debt making payoffs on loans. Navient fights the payoff of loans. What they did today is so egregious that we need your attention. Years ago ( 3+ ) my daughter paid off a loan we used my checking account and routing for a ONE TIME use. Today, I went to my checking account and Navient without my knowledge nor consent took {$1800.00} from my checking ( parent not co-signer ). I called my daughter immediately. She was as shocked as we were. She shared that she tried to payoff a very large loan this week and Navient simply refused her payment! They just mailed back her check w/o explanation. She called Navient asked for a Supervisor, gets the " I'll handle it '' conversation then they used my checking account! Now, my checking account is harmed ; I'll be in overdraft and, my daughter 's loan stays in accrual.
NEW COMPLAINT NOT A DUPLICATE : XXXX XXXX continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.
On XX/XX/XXXX I closed my account with US Bank. And it was closed because on the ending statement they mailed, it's listed as closed on XX/XX/19. However, 10 days later, they re-opened it and refuse to close it now. I called customer service and they said because I had additional transactions with a positive balance of about {$600.00}, they had to do it. But they were keeping these funds and were not mailing me a check for the balance. I called up again and they said they would close it and mail me the funds. But they did not do this again. They have no right to open my account and keep the funds on a hold. It's industry custom to close the account and mail remaining balance to the customer. I'm being treated different and it's against their own policies.
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.
XXXX XXXX XXXX notified me in XXXX of an a bill for terminating my cable contract. I paid the full amount directly to XXXX XXXX XXXX. The company below reported the item in collections. When I disputed the items off my credit report. The company reports that this account open, which is incorrect. The full amount was paid in XXXX. The remarks state this account was settle for less than the full amount, which is false. I am contacting XXXX XXXX XXXX, with whom I currently have cell service for my companies that I own to get a statement showing this was paid in full. Regardless of anything, Franklin Collection Service has reported false information stating this account was open when it was not for about 4 years, which impacts my credit score.. Once this response comes back, I will find an attorney to review and determine what action should be taken. I also am watching this account because I do not want it to be illegally re-aged on my credit report .This company also appears to have been involved in multiple lawsuits. I will speak with my Senator 's office on Monday. There needs to be more done to companies like the one below. 

FRANKLIN COLL SVC # XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$380.00} Original Creditor : XXXX ( Utilities ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION<
I am writing this letter because I have a grievence with the Company called Check N Title with offices located in XXXX TX. I took a title loan out at the XXXX XXXX location in XXXX, TX. 
The short of it is : I originally did a title loan In XX/XX/2017 for {$1000.00} dollars, with agreement of paying {$100.00} payment a month. The was suppose to be a six month loan ending in XX/XX/2017, with option to renew it. 
I originally paid {$100.00} dollars thinking that the payment, only to told that I needed to come back next Friday and make the 2nd {$100.00} payment. I replied what for? She said because your next payment is due in a week. I thought the that was the payment for the month. 
Charged a {$100.00} late fee. And if I dont pay it my vehicle will be repossessed I forced into signing a new contract in XX/XX/XXXX and I didnt agree if would I be in default and my vehicle would be repossessed. They told everything was the same they just had to update the system. 
The was a lie. They changed the dates of the contract and renewed it without my consent. I asked to see the contract in complete to review it. They said they couldnt but not to worry everything was still the same. Then they demanded that I pay {$300.00} instead of {$200.00}. I had the {$200.00} but they refuse to take it. The lady stated the payment is {$300.00} dollars and nothing less would be accepted. 
Well. In summary. That has been the nature of dealings with this business. 
When I came in to pay I was told owed more and that would need to pay lest I be in default and have my vehicle repossessed. When I came to make the payments I was told I needed to pay another {$100.00} dollars. I had the money to make the payment in hand showing it to them, and they refused to take it without another {$100.00} dollar late fee. 
Subsequently, I have paid {$1200.00} dollars to Check N Title already in payments and late fees total. Their has been no application to the principal of the loan whatsoever. They state that all the money I have paid has gone towards the finance charge of the loan, and that I have not paid I am requesting the State Attorney Generals intervention, involvement and investigation into my relationship with this business and ( this companys business practices ) My concern is that if they can be so casually dishonest and fraudulent with me, that they practicing the same dishonesty with other clients. 
I was to lied time and time again. 
I exhorted for money under false terms. 
I was constantly threatened repossession. 
Engaged and engaging in Deceptive business practices Fraud, Extortion, I  feel like the real intent is not for me to repay the loan, but to extort as much mon money as possible, through deceptive policies, exorbent fees, refusal of payments, continual threats of repossession, and in the end selling the vehicle to profit more money.
I was affected by hurricane Matthew, Irma, and Michael. While with the previous servicer XXXX during hurricane Irma I was  placed on a disaster forbearance and protection. After the disaster I was in review for a loan modification and I was service transferred to Rushmore loans. On XXXX XXXX I submitted a loan modification application to Rushmore loans.  We were then affected by Hurricane Michael and FEMA declared on XX/XX/2018. This disrupted my request for mortgage assistance. On XX/XX/2018 I sent a new application and at that time there was no foreclosure sale date. During the hurricane recovery I was dealing with health issues as I am a XXXX XXXX XXXX XXXXXXXX XXXX veteran who did 2 XXXX in XXXX and sustained XXXX XXXX XXXX. 

By the time I was able to call back on XX/XX/18 Rushmore loans told me they were not going to review me due to the foreclosure sale date being set for XX/XX/18. 

I disagree for two reasons : First I should be on a hurricane relief status and have foreclosure protection for 90 days from the date of the disaster. Second there should be an exception for them to review what I sent since I was affected by the hurricane.
XX/2/17 a debt validation was sent to the company to validate the debt, in the mount of {$390.00}. and the company didnt send the proper information as far as a signature or a binding contract.
I am a U.S. XXXX XXXX XXXX  XXXX for the past ten years and I just found out that I have been defrauded by an insurance company and a bank over them issuing a bogus renters insurance policy that was fraudulently taken out in my name, without my permission, and false claims were made!! 

In a letter dated XX/XX/XXXX, from Wells Fargo Bank, I received a refund check from Wells Fargo for {$30.00} as supposed " reimbursement '' for a renters insurance policy that I never applied for and for which I was charged premiums. In a telephone conversation with a Wells Fargo employee named " XXXX '' ( ph # XXXX ) on XX/XX/XXXX, I was informed that in XXXX / XX/XX/XXXX I had been fraudulently signed up for renter 's insurance with an Ohio company called XXXX XXXX XXXX XXXX by several Wells Fargo employees ( whose name XXXX refused to divulge! ). 

I have NEVER had renters insurance in my life from any company, ever. Yet someone employed by Wells Fargo was in a conspiracy with someone employed by XXXX XXXX XXXX XXXX to fraudulently sign people up for bogus renters insurance policies, and then make FALSE CLAIMS against these policies in order to steal monies!! Furthermore, this was all done as a part of a payment scheme by the Wells Fargo employees in order to meet certain sales quotas and to generate revenue for the bank. A XXXX search showed me a XXXX news article about where Wells Fargo had done this to over XXXX people in California last year ( https : XXXX ). 

You all need to investigate this and lock some people up. My credit has been damaged, false insurance claims were made against me ( which has hurt my ability to get insurance in the future because people won't insure a person with a history of claims ), and the bank and insurance company paid monies out to people who stole my identity, and a HUGE XXXX has been committed against the citizens of this state! 

Insurance fraud and identity theft have taken place here, along with money laundering and wire fraud, too. These are serious felony offenses and people need to go to jail for this.
I have been a customer of BEST BUY for years. They issue a credit card from CITI BANK. On or about of XX/XX/XXXX. of last year I had an unsatisfactory experience with BEST BUY and refused to pay the credit card. I was unable to reach BEST BUY. I began receiving ROBOCALLS from CITI BANK these were a not a very clever violation of the law. They would call and let the phone ring once and hang up. The idea was that I would then call them. I spoke to them twice trying to convey my complaint. The only interest they had was when was going to pay. The calls occurred once a day for 30days, then began happening twice a day. I sent several letters to both of them with no response. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX   account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.
I asked for a letter correspondence so I can use a debt management company, still calling me for payment, and calling family members
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX/CELLULAR Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$0.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$170.00} Account should be removed from my report, original date of account was XXXX. 


Pay Status : XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; XXXX SETTLED-LESS THAN FULL XXXX & XXXX ; PAID COLLECTION XXXX;
XXXX XXXX XXXX is trying to collect 4 accounts in total that are the results of apparent fraud. The accounts are XXXX, XXXX, XXXX XXXX and XXXX. When I logged to the system with my information, it appeared under the name of " XXXX XXXX '' and the account balances amounted to {$6100.00}. I verify my XXXX XXXX and confirmed that those accounts were impacting my credit score. The whole profile was under the name of another person that is clearly not me. The company is manipulating the clients information and awarding those accounts to me. I did not recognize such accounts and the person which they have in profile its not me.

Attached is the online profile from XXXX XXXX, which is clearly not under my name.
I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?
There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX
I have XXXX state tax liens listed on my equifax report as released. The liens do not belong to me. XXXX and XXXX completely removed the liens from their reports, however Equifax refuses to do so. When contacting the state they immediately released the liens stating that they were filed against a business that I had previously sold and had no responsibility for, and they sent a letter stating they were released. Equifax shows these liens as released, but as they are still showing on my credit report they are hindering my ability to receive financial aid and take out student loans for medical school.
Experian is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
XXXX XXXX Balance {$1200.00} Date Opened XXXX/XXXX/XXXX
On XXXX XXXX, XXXX, I did a personal credit check through Credit Karma and found out that a mortgage had been taken out in my name XX/XX/XXXX in which I was incarcerated. And have proof of. There was also a Ford vehicle was also on my credit report. Due to the date I was XXXX at the time and unable to buy a vehicle. I need to have my credit reviewed and fixed with your help Thank You.
Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Transunion requesting that the debt and public record listed on my credit report be removed. Transunion removed the debt record from my credit report but did not remove the public record. This erroneous information is preventing my husband and I from purchasing a home.