WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX the Revolving Credit on my Citi Card-XXXX was {$19000.00}. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 14 for a balance transfer with 0,00 % Promotional Rate until XX/XX/XXXX. I made a transfer of {$10000.00} and paid {$300.00} transfer fee ( see XX/XX/XXXX statement ). 
I accurately made the required minimum payment every month. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 15 for a balance transfer with 0,99 % Promotional Rate until XX/XX/XXXX. I transferred {$9800.00} and paid {$290.00} transfer fee ( see XX/XX/XXXX statement ). I accurately make the required minimum payment every month. 
On XX/XX/XXXX I made a payment of {$8100.00} to pay off the remaining balance of the Offer 14. The remaining new balance was {$9900.00} ( see XX/XX/XXXX statement ). 
On XX/XX/XXXX the Citibank moved {$7600.00} from the Promotional Rate 0.00 % into the Standard Purchase Rate 15.49 % ( V ) ( see XX/XX/XXXX statement ). I didnt know about it until XX/XX/XXXX, because I was using Paperless Statement system and all payments were being made electronically as per the schedule. Since then the amount I am being charged every month for the interest varies from {$100.00} to {$110.00}. 
When I asked a Citibank clerk what happened I was told that even though I had made a payment that would be enough to cover the balance of the Offer 14, only the minimum required amount was applied towards the Offer 14 balance. The remainder of the payments was applied towards Offer 15 balance because it has higher APR. The clerk said that this happened because I had two ongoing promotions with different APR. When I asked her what I could have done differently to avoid paying interest charges, she said that the only option I had was to pay off the balance, which at that time was {$18000.00} ( see XX/XX/XXXX statement ). 
I tried to raise this issue with a Citibank Credit Card manager, but she  said that I was explained the conditions of both offers before accepting them! 
I understand that nobody forced me to accept these offers but at the same time I couldnt possibly understand all technical aspects of what would happen when two offers overlap. 
If I was told in XX/XX/XXXX that in order to avoid interest charges, Id have to pay {$18000.00} four month later, I wouldnt accept the Offer 15! 
Given the complexity of payment allocation for two offers when combined, I dont think the information was adequately communicated for me to make an informed decision.
On XX/XX/18, I received a summons from the county sheriff regarding a debt that is over 10 years old which has not appeared on my credit report to have a judgement filed against me. The company is Crown Asset Management and I have never received any notification from them regarding any debts owed until today. When I attempted to contact them several times I was unable to find someone who could give me any information and was threatened with a garnishment which the summons also states. They are being represented by XXXX XXXX  XXXX law firm out of XXXX Ga according to the document and are trying to collect on a debt which is outside it stature of limitations as the debt is over 10 years old and i dont recall owing this. They have not provided any information such as the original contract with the original creditor or the account number for me to research. The company refuses to validate the debt and/or follow the law regarding the statute of limitations
Between the months of XXXX through XXXX, I have been back and forth with each of the credit bureaus and the collection company concerning a collection debt that is being reported. Each time I disputed this debt it came back verified, however, each time that I 've requested validation and/or verification they have failed to do so. On two different occasions I 've received letters from the collection agency asking me submit documents. This has become a hassle because I 've been disputing for months and yet they have failed to submit the necessary documents for me to move forward. Please see the attached documents that I 've received from Convergent Outsourcing. One document even alleged that this was fraud, all I 've asked for was proof that this alleged debt in fact belong to me and they are able to collect on it. Which they have failed to do. Also, my name and home address are listed on the documents.
I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.
I have a account through Paypal and they have held XXXX dollars of my money for over a week. It was a payroll check from my employer for the first two days I called once a day and they said it was a issue on there system. from the third day on I called five times a day and finally got them to show it in my account and walk through the transfer to my bank account and now they are holding it pending and first I was told one day then five days or whenever its free its free yet my bank show no transfer or pending transfer and I keep getting excuses and being told that I will get a call back yet never due. That is my payroll money and I use it to provide for my family and I asked them to cancel the transfer and make it available so that I could get my money another way and they refuse.
When I first signed my mortgage with Wells Fargo it was NEVER explained to me that although I had a fixed mortgage rate that it could possibly rise every month due to a shortage of funds in escrow or because my insurance premiums went up. In XXXX, the mortgage went up to an additional {$89.00} a month to {$1300.00}. In XXXX, the mortgage went up another {$53.00} to {$1400.00} with no explanation ( I ca n't find any documentation online, nor did I receive anything in the mail ). So that 's a total of {$140.00} since I first signed my mortgage agreement and that is ridiculous.
I made a significant purchase using my Best Buy Citi account, 2 years ago. I took advantage of the 0 percent interest financing opportunity for 24 months. I made payments on the card, each month. What I did not realize was that Citi was not applying the payments I was sending in to my promotional balance. They were applying it to other balances. I did n't realize this until I received a finance charge of over {$3100.00}! Obviously, I was shocked by this and immediately called in and they told me if I could pay off the promotional balance ( ~ {$4400.00} ), they would waive the finance charges. I actually paid {$6000.00} to Citi and I had to borrow money from my son in order to do this. I called them to make sure they were going to waive the financing charges after they received the {$6000.00} from me, and they told me that I only had until XX/XX/XXXX to do it. They received the money on XX/XX/XXXX and told me that " there was nothing we can do. '' First of all, their payment processing is deceptive, as I thought I was paying down the balance. Second, they TOLD ME that they would waive the finance charges if I paid them {$4400.00}. I paid {$6000.00}! If I knew they were going to go back on their word, I would n't have paid that much! I would have used the money for other bills. I, in good faith, made the payment and now Citi is charging a XXXX year old widow a huge finance charge. Please compel Citi to honor their word.
I leased a car from Kia in XXXX XXXX. I made the final lease payment, and payoff payment in XXXX XXXX per the contract. I sent a check and an Odometer Statement that they asked me to download from their website. They cashed the check in a few days, but the title never came. I called and first they claimed they never received the check. I offered to send proof they cashed it. They changed their story to claiming they did n't receive the Odometer Statement even though it was in the same envelope. I faxed a new one per their request. A couple of weeks later they changed their story to me owing them {$13.00}. I offered to pay that amount. The rep put me on hold, then came back and said no money was due and the problem was that they still did n't have the Odometer Statement. I faxed the Odometer Statement two more times per their request. I called back after a couple of days and the rep told me that there was a balance due. I asked how much and she put me on hold. She came back and said there was no money due, but she did n't know why the title was never sent to me. After being transferred a few times I finally got disconnected. Every time I call they have a different reason as to something I did n't send them. I filed a BBB complaint and I got a call from a Kia rep who said her department handles consumer complaints. I explained again what all happened. She said the only thing she can do is give me the phone number to the Kia department that handles titles. But she said she could not do anything about getting the title sent to me. The only thing she can do is give me a phone number ( same I already have been calling ) in case I was calling the wrong department. Still no title
There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.
Hello, I leased a XX/XX/XXXX XXXX XXXX from Ally financial in XXXX XXXX, CA from the XXXX XXXX dealership. I want to file a formal complaint because when my lease term ended and I returned the car in XX/XX/XXXX at the XXXX XXXX dealership ( because I move in XX/XX/XXXX to XXXX, CA ) I was charged months later for wear and tear fees but not properly notified of these charges. Due to their lack of communication to me, the amount didnt get paid until I saw it on my credit report. Now my credit is being penalized for their mistake. Ive been asked every time I call Ally what my new address is and every time they tell me they are going to update it they do not. In fact, I called them today and they still had not changed my address and Ive had to reiterate it on every phone call. Because Ally did not update my address ( even though I gave it to them many times ) or my phone number ( gave them that too ) they sent the bill to my old address and it went to collections. This is not my fault, and I paid the amount even without seeing the bill because I finally knew about the charges. Sadly that was after seeing my credit score drop 150 points. In my case, I did what I was supposed to and I did all I could to be a responsible leasee. I returned the car on time, I gave my updated information countless times and I called in to check the status of my lease return ( they said everything looked good ). I paid my lease on time every month for the three year contract with out missing any payments and I certainly wouldnt let all that hard work go to waste for a {$220.00} wear and tear fee.
My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.
I applied for a mortgage loan with Green Light Loans on a Re-Finance, after many weeks I was turned down because I had a late payment. I canceled the loan process. A few days later Green Light Loans re-initiated the loan process stating I only had to show {$10000.00} in liquid assets which I did through savings statements and a XXXX XXXX plan. I presumed in doing this that the initial late payment was waived as they reactivated the loan process. 
I then after a week received an email stating that they had tried diligently to get underwriting to approve the loan. It was underwritting request that we show liquid assets to finalize the loan? " deception '' .... 
so we were denied.. this company should not be making loan transactions.
This account is not mine - an inadequate investigation was preformed. Accout was not verified according to the FCRA
Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.
I had a private student loan with SoFi that i switched over to them a couple years ago once I took it away from XXXX XXXX due to a better interest rate. I was paying on it on time for awhile and then I got a new job in a completely different industry. At that time, I had to take a significant pay cut until I would build my book of business. ( sales ). I ended up putting the payments on deferment multiple times because i just couldn't afford it. I ended up getting a promotion and have been trying everything possible to get this rectified. SoFi ended up sending me to collections and they don't understand what I am trying to do. I have explained multiple times I am trying to either have SoFi take the loan back so I can start making payments again or allow me to consolidate with another lender in order to go back to paying monthly. The problem with finding another lender to take over the loan is every one of them instantly deny it due to this loan being in collection status. I have reached out to SoFi and they dont know what to do either so I am lost. I have made a few {$500.00} payments with the collection agency as well who won't stop hounding me daily and they just keep telling me to pay the full amount off which isn't possible without consolidation from someone else. Please help, I am able to pay again.
The collection agency has refused to supply me with the requested documentary evidence bearing my signature that I have some contractual obligation to pay them. In the absence of any such evidence, I must assume that this is not a valid obligation. Express Recovery Services has damaged my credit by reporting this unsubstantiated obligation to the XXXX major credit bureaus. I want this erroneous information deleted from my credit reports. Furthermore, Utah Code states that the statute of limitations for an open ended account is four years. A debt collector no longer has a right to sue for payment once a debt ages past the statute of limitations. This is a violation of the Fair Debt Collection Practices Act.
Our deposits particularly cash and cashiers check were n't given credit the same day and 5/3 rd bank bounced our check deliberately. 
A cop came on the scene when I was denouncing bank practice to the Vice President. I was appalled why did the cop appear when I was venting our frustration. Obviously it shows stupidity on the part of bank staff who called the cop. 

Branch address is XXXX XXXX XXXX XXXX FL XXXX
I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement TransUnion and XXXX list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
Wells Fargo closed my account due to a negative {$47.00} they claimed due to insufficient fees from XXXX credit card auto pay that I cancelled auto pmt over 4 months ago, the first XXXX od fee I went on ahead and paid and made deposit in act. Second time I contacted XXXX that I DID NOT authorize prior to it coming and they said they would research the PENDING TRANSACTION, a week later I received a notice in mail that I called after the transaction cleared. UNTRUE! WHats the purpose of a week research if the transaction already cleared? They are liars. I called about this 4 times as they refused to acknowledge and ignored. This bank will lie and fraud my act due to their incompetence so they can make extra XXXX fees. I informed them ahead of time and they still charged me two XXXX fees, keep in mnd this is the " ONLY '' transaction coming thru this checking in THREE MONTHS as I planned to close and informed them of this! They closed the account per notice and placed me on a bad check list. NOT FAIR, they have no right. Just like they opened 2 additional acts without my authority as I am a party of that law suit and NOW THIS. Not to mention how they illegally tried to make my mtg pmt behind about 8 years unitl I called HUD as they researched and they had to correct my account. I am sick and tired of the unfair treatment and bogus statements!. I have a mortgage and they closed my user id and password so I dont even have access to review my mortgage. ALways iussues with these people causing fraud transactions.
I would like assistance in disputing a charge on my Discover Card. I am a XXXX year old retiree who became involved with XXXX amongst many others.Also on my credit card their merchant 's name is different, It shows as XXXX And XXXX FL. I was contacted by an unsolicited telemarketing phone call last year. They offered me a very profitable online business, a website and training. They disappeared right after I paid them. I tried to get in touch with them and they would not return my calls. I opened a dispute with my credit card, Discover and they told me It has passed too much time and could not help me, they blew me off. I have been in touch with the Attorney General 's Office and they advised me that I have 540 days to dispute since they did not provide the services that they promised me. I am beyond frustrated with this situation, I hope you can help me get my money back.
I ordered an item on XXXX  on XX/XX/18 in the amount of {$58.00}. I did not receive the item so I contacted my credit card company Avant. I explained the situation and sent over the invoice when I filed the dispute. They said they would take care of it but that was the opposite of what they did! I tried calling 30 days after the dispute as I had not received anything in the mail or heard from anyone. They just told me they are still working on it to give them more time. I finally got a letter from XXXX in the investiagation department on XX/XX/18 asking for more information I sent her a copy of the invoice from XXXX. However, she would never answer her phone or return any of my phone calls. I called Avant customer service i spoke with the manager XXXX on XX/XX/18, XX/XX/18 and XX/XX/18 in which she sent a notification to XXXX and promise to follow up with me each conservation which she never did. I had to keep calling her and on XX/XX/18 I sent her another copy of the invoice from XXXX which she said she forwarded it to XXXX again with another notification. XXXX said I should hear from herself or XXXX within in a few days. I still to date have not heard anything and no one will contact me back. I am now being charged for the interest and the amount of the purchase when I never received the item.