WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 we paid {$2700.00} thru the Citibank on-line customer service website for Citibank Master Card charges that were due. We were shown a balance of {$0.00}. 
Starting on XXXX/XXXX/15 thru XXXX/XXXX/15 we charged {$4900.00}. We had {$2100.00} in credits and payments, so our balance as of XXXX/XXXX/15 should be {$2800.00}. 
The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
When we called to inquire about the difference of {$960.00}, we were told by customer service and management that our payment on XXXX/XXXX/15 did not pay all our charges ( even though the balance showed as {$0.00} owed after the payment ) because the Citibank on-line customer service website is a different system than the statement system that Citibank uses to track your charges. 
We then asked why the Citibank on-line customer service website is available for our use as customers to see our charges and make payments if it is not accurately reflecting our Citibank MasterCard use. We were told by customer service and management that Citibank uses XXXX different systems. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
We feel that Citibank has withheld posting some of our charges on the Citibank on-line customer service website so that we would not know the correct balance to pay ( or we would pay an inaccurate amount ) so then they could charge us interest on the unpaid balance the next month. The {$23.00} that we were charged for interest was minimal, but multiplied by XXXX of customers ( if Citibank is involved in fraud ) would profit Citibank XXXX of dollars. 
We would like an investigation. We do not believe that we owe the additional {$960.00} because the Citibank on-line customer service website showed a {$0.00} balance due after our payment of {$2700.00} on XXXX/XXXX/15. We used the Citibank on-line customer service website in good faith. If the Citibank online customer service website is not accurate and in sync with Citibank 's statement system, Citibank should not make it available for customers to use and trust.
I purchased a house XX/XX/XXXX, and XX/XX/XXXX XXXX. I have been in and out of work since, and have continued to make mortgage payments to the best of my ability. XX/XX/XXXX, Vanderbilt Mortgage purchased my mortgage, and XX/XX/XXXX I reached out to them to explain the situation and begin the application process for their hardship program. To date, I have not been able to complete the process because XXXX has repeatedly lost or claimed never to have received documents from me and has continued to request additional documents whenever they receive what I have been told is the last set of paperwork they need. Approximately a month ago they finally had all of the necessary paperwork, at which point I was told that the process had to be restarted because it had taken so long. They have called me, as well as my fiance who 's name is not on the mortgage, approximately daily for months to demand repayment using offensive and condescending language and it has become readily apparent that they are operating in bad faith regarding their hardship options. They have refused to accept partial payments and are claiming that because I have been unable to continue to make mortgage payments while they dragged out the hardship application process, I am now in danger of foreclosure unless I pay the entire outstanding overdue amount within the month.
Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance.
XXXX XXXX XXXX XXXX XXXX this balance was for equipment used. This equipment was returned!!! yet never corrected after relocating and closing account.
I have been an American Express business cardholder member since XXXX. Both my personal name and business name appear on the card. I used the Amex to make XXXX recent transactions to my business via XXXX. The first transaction {$3000.00} was placed on XXXX XXXX, 2017 and the 2nd transaction of {$5000.00} was placed on XXXX XXXX, 2017. On the evening of XXXX XXXX, I received an email stating " Notice of Account Cancellation ''. I spoke to an Account Rep at Amex and was informed that this was done automatically through a computer for suspicious activity and that the account is 'Closed ' and there is 'No Way ' to reopen, with no remedy offered for reactivation. There was never an attempt to contact me via phone, text or email - prior to cancellation! There was not a denial of charges, charges went through and therefore, I was unaware of ANY issues, regarding these transactions. The aforementioned charges now appear on my Amex for repayment. How can they be an illegitimate charge and I/my company still be required to pay them? And, if legitimate, how could this warrant American Express to cancel '?
Also I wanted to supply all information they have been given numerous times about my checking being used fraudulently. If this would have been taken care of like they say. They fight for you on identity theft accounts. I feel their lack of help and making bill pays on a closed account shows how much they don't care. It is being cleared up with every fraudulant account accept navy federal.
On XX/XX/XXXX and XX/XX/XXXX, I scheduled payments of {$1200.00} and {$1200.00} respectively, to cover my XX/XX/XXXX mortgage payment. Without any attempt to contact me beforehand, my mortgage company mailed the XX/XX/XXXX payment back to me using snail mail with a letter stating that they were unable to accept the payment because they considered it a partial payment. By the time that I received the letter and XX/XX/XXXX check in the mail, and was informed of this policy, I had already scheduled my XX/XX/XXXX, payment and when I looked at my account, that payment was showing up in a suspended status. I contacted the mortgage company immediately and was encouraged by a supervisor ( XXXX ) that if I scheduled the payment again it would post in time to merge with the now pending suspended XX/XX/XXXX payment and result in a full payment being posted to my account. In response, I promptly re-scheduled the payment of XXXX. However, when I called back the next week for an update, I was informed that instead of merging the funds, as the supervisor had stated would occur, the XX/XX/XXXX check had now been sent to me using snail mail again and the new payment was now pending. At that time, I was encouraged by another representative to reschedule the payment in order to have them merge. This cycle has now occurred a total of three times. Each time, I have been encouraged by a customer service representative or supervisor assisting me, that when the other payment is received it can be merged with the suspended payment and credited to my account. Yet, instead of this happening as promised, my mortgage company is sending the pending payment back to me. To date now because of this, my XX/XX/XXXX payment has not been credited despite multiple efforts. Further, in spite of multiple assurances by multiple supervisors and representatives to override this automated process, nothing is being done on their end to remedy the situation and I am apparently being left completely at the hands of a failing automated process. As of today XX/XX/XXXX, I have been told by yet another supervisor that I will need to try again. I feel as if the mortgage company is forcing me into default on my mortgage payment which has never been late and I need real assistance in getting this issue resolved before XX/XX/XXXX when my payment will be considered late and in default. Please help me.
As of  XX/XX/XXXX  I received a Experian copy of my credit report with no credit scores and there is still  XXXX  Hard Inquiries from 1.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX  ,  XXXX , Utah. XXXX .  XXXX   Dated  XX/XX/XXXX .
2.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   , Texas. XXXX . (   XXXX  .Dated  XX/XX/XXXX .. ( Unauthorize Hard Inquiries ) 3.  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , Texas. XXXX , Dated  XX/XX/XXXX  . ( Unauthorize Hard Inquiries ) Why Experian did n't delete this Unauthorize Hard inquiries fro my credit reports.
Also my Experian credit score has n't be updated, as of  XX/XX/XXXX  my Experian is very damaging at  XXXX ..
 XXXX   XXXX .  XXXX   XXXX .
 XXXX  and  XXXX  has n't deleted all the unauthorize hard inquiries from my credit reports.
For the past 6 months I have contacted both Experian and XXXX to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, Experian still has one account remaining on my credit. XXXX XXXX XXXX XXXX  and XXXX still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX  and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report NumbeXXXX XXXX
I am a victim of fraud, I lost my wallet some years ago. I called all three credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report 10 times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment.
This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.
I have contacted this bureau a few times in the last 90 days on XX/XX/ and XX/XX/XXXX.  Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
I have called Transunion and told them that my name was spelled incorrect. And the information attached to it was incorrect and they informed me that they can not and will not help me.
Hello, thank you for being a resource to help. I have been trying to get this debt removed from my credit reports. I have contacted the collection agency and they have not been helpful, I explained this is not my debt. I contacted the credit bureaus ( all 3 ) and each time I challenge the debt the collection agency removes it ( too skirt the FCRA ) and then place it back on days later. They have done this at least eight times. Probably more.
I checked my credit and saw an account from Midwest Recovery for {$220.00}. Not sure where it originated from but Im willing to settle the debt to be deleted.
XXXX XXXX XXXX hereinafter referred to as XXXX ' ) offers the Membership Rewards program, a loyalty program that allows customers to earn points. XXXX allows customers to transfer their points to various airline and hotel loyalty programs at a XXXX ratio. 

I reviewed my account and saw I have XXXX available points. Based upon the points being listed as available, I began to make tentative travel arrangements and other plans. 

On or about XXXX XXXX, 2016, I submitted an online request on XXXX website to transfer a portion of my points to my XXXX XXXX XXXX account, but I received an error message and a prompt to call customer service to complete the transfer. 

Accordingly, I called XXXX and and was informed for the very first time that my points were actually not available for use. This is in direct contradiction of the points being listed as available on XXXX website. I was told that I could not use or transfer any of my points for 6 to 8 weeks. 

I feel this time is extremely unreasonable and destroys my opportunity to travel during the summer. Prior to attempting to use my points, I was not notified that my points would not be available for use. Further, XXXX continues to extend time-sensitive targeted offers to me to encourage the use of the points, thus reinforcing my belief that they are available. I just paid a {$450.00} annual fee for the card and the service I 've received is unsatisfactory. 

I am seeking the immediate availability of my XXXX Membership Rewards points to use for transferring to an airline partner on my account.
On my bank statement from XX/XX/17 to XX/XX/17 I observed 4 charges that I did not recognize and therefore I wanted to dispute them. The fit time I called the bank Barclay they asked a few questions and they determined that the charges were made by me. 
They advised that they were able to verify that the transactions were made by me therefore they will not initiate a dispute investigation event that is a violation of my consumer rights. Barclays can just assume because I am the cardholder all the transactions were made or authorized. Out of the 4 charges I have dealt with 2 vendors in the past but the charges that appears on my statement were not made nor authorized by me that I can recall. If the charges were made by me I demand from the bank to prove me with a voucher form the vendors on the amount of all 4 charges along with my  signature. 
I have requested to escalate this issue with upper management at the bank and I was told that someone will contact me back since the first time I contacted to the bank and as of today I have not received a phone call from anyone at the bank.
I've contacted the source for the credit agency XXXX XXXX to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and TranUnion continues to report that XXXX XXXX is reporting the information is correct and remains the same. I've submitted the report from XXXX XXXX and they still refuse to correct the information or show proof of anything different from XXXX XXXX or the Courts.
Hello, we purchased as home in XXXX. We just sold our home in XXXX. I have been researching the loan payments and how it was processed. There are discrepancies with the fees that were charged and how they posted payments. I contacted nationstar about this in early XXXX they s ed not me a detailed transaction print out for XXXX and I see several times we were charged 2 times for the same transaction. I tried to contact a Texas where they re located and they told me to contact my state. Do you know who I need to speak with and how I can go about this? 

Thank you, XXXX XXXX XXXX XXXX XXXX
I called into the citi credit card call center on XXXX XXXX to see if I could get a late fee could be waived. The customer representative agreed and said the fee will be waived. After that, I immediately paid the remaining outstanding balance apart from the late fee. But the late fee was never waived. Since I do not use this card, I did not check this card balance until the statement date in XX/XX/XXXX. That 's when I found that there was still an outstanding balance of {$25.00} and that I was slapped another {$25.00} fee. 
Since then I have called the citi call center again to inform them of their error and waive both late fees, but they are saying that they can only waive XXXX fee. This is a clear violation of an agreement reached on the first call.
I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number.

This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me  proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit. 

I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX
my credit report has a charge which is not mine, listed under a person with a wrong date of birth, as per the Transunion representative I spoke with. He did not help me, states I need to send them a letter with this info on it, They made the mistake! This needs to be removed from my credit report!
XXXX XXXX is not accepting my payments. They are trying to force to foreclose on the house. 
Here is the message from XXXX Dear XXXX XXXX : The payee returned the online bill payment described below : Payment to Rushmore Loan Management Service from account XXXX for {$10000.00}, to be delivered by XX/XX/2018 XXXX. 

If you'd like to continue making payments to this payee, please go to the Bill Payment section to make sure your payee and payment information is correct. Once you've made any necessary corrections, you can reschedule your payment. 

If you use personal financial management software, such as XXXX, please make sure the details for your payee and your payment are correct within the software. 

Have questions? We offer many answers, and other ways to reach us, at XXXX. 

Please do not reply to this automatically generated email. 

We know you have a choice of banks. Thanks for choosing ours. 

Sincerely, Online Banking Team Can you please help me out to solve the problem
original account number was charged in a Chapter XXXX bankruptcy in XX/XX/XXXX Wa DOc # XXXX, then again in XX/XX/XXXX Wa DOc # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money
XXXX is the company and i did get accepted for a lower -payment option setup. But, the problem I have is that going through a Student Loan Foregiveness program from this website - XXXX XXXX   XXXX - this was determined from this information about XXXX being a bad group to have do loans and repayment options correctly. This Relief Program is from a company called Premier Student Loan Center and stated to me about my loans getting to a point from where the lower payment option i agreed upon would be paying pretty close to double the amount to Navient when i'm all paid off. They gave me numbers that seemed reasonable, but i'm unsure if they aren't a scam or if they are a legit company but i thought i'd bring it up to you guys since they are using information that seems to be the same kind of information that you guys provide for people going through these hardships of loan repayment situations. They also stated that they would need {$20.00} fee annually for this process of agreement plus 5 months of {$230.00} for getting this allowance approved. Lastly the amount determined for my repayment plan was {$100.00} for 235 months - I'm just more confused if what they told me was something that is even allowed for a company to deal with from XXXX and i thought XXXX was worth trusting, but i'm unsure now after being told from this Forgiveness Program. I'd just like to know what's my best option and who i need to trust.
The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX,XX/XX/XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.
I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR.
They have inaccurately calculated my income based repayment and then I made a payment and they are trying to make me pay another payment this month.
I am from South Dakota and I bought a new vehicle in Arizona, financed with BBVA Compass Bank, and they can not get me a title transfer so I can license it in XXXX XXXX. XXXX XXXX XXXX ( South Dakota ) has requested title three different times and I have called several dozen times trying to get this. I called the AZ XXXX to see if they had it on file in my name and it is but they can't release it to anyone other than BBVA Compass. This vehicle has been sitting in my garage since XX/XX/2018 and I ca n't drive it because I don't have license plates. I am tired of paying for a new vehicle I ca n't drive. 
I have read reviews on their website and apparently this is not the first time this has happened. 
Leinholder is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX