WillisBack/dataset-financial-user-claim huggingface dataset:
This company put my account into a negative balance in order to receive their monthly fee and I was never notified of the policy change that led to it Several months ago, I stopped using my Card.com card  because my employer did not do direct deposit. Now that they do, I checked my account in order to start using it again and noticed that Card.com had put my account into a - {$6.00} balance. When I called their customer service on XX/XX/XXXX to inquire as to why, I was told that they changed their policy in XX/XX/XXXX and they will now take their full {$9.00} monthly maintenance fee regardless of if the money is there, potentially resulting in a negative balance. I was told that I received several emails about this policy change back in XX/XX/XXXX and even though they had my correct email address listed, I never once received such an email. If I had, I would have cancelled my account rather than stay with a company so morally bankrupt that they would force their customers into a negative balance just to get their money. I then spent several hours on the phone, speaking to several agents and at least 4 supervisors. Not a single one treated me like a customer who deserved their respect nor did I even feel like a customer at all. Nay, I felt like a dollar sign to them and not a single person was willing to do one courtesy reversal or at the LEAST, just return my account back to a XXXX balance, regardless of the fact that I never once received the proper notification. This is the only reason why I feel like I am owed 1 courtesy from this company, something I have never asked for before, because I was NOT notified of this HUGE policy change. I have spent 2 days and several hours trying to get this resolved directed with Card.com and they won't budge so that is why I am now filing a formal complaint against them with the XXXX and FDIC.
On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
I have contacted XXXX and XXXX as well as the XXXX XXXX XXXX to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
In reference to Case # XXXX - LOCKED OUT OF COINBASE AND UNABLE TO ACCESS MY OWN MONEY FOR 8 DAYS AND COUNTING! 

Coinbase has locked me out of my account without any correspondence for eight entire days following a delayed withdraw incident I perceived as a possible hack scenario. Previously, I 'd attempted to send litecoins to my XXXX but something went wrong on the exchange site ; it said the transaction was complete after multiple seperate attempts, but maintained my same balance as if nothing happened in trade view ; also, there were no funds added to my external XXXX XXXX  so I figured nothing happened. Over some course of time, the Litecoin began to mysteriously leave my XXXX account long after my intital attempts to transfer and I was n't seeing them in my XXXX XXXX ( Not typical in any delayed transaction I 've ever experienced ), so in a panic I contacted Coinbase and inquired with them as to what I should do for tax purposes if coins are stolen because I already knew they would n't / could n't refund me for anything stolen. Moments later, my coins began to trickle into my XXXX very slowly. I was relieved and informed them several times that I no longer have reason to believe my account was compromised and that I changed my password as they requested and to please unlock my account. My account has been locked for over a week and I have not had access to my own money in my own account. I only want it to be unlocked so that I can regain access to what belongs to me. I went to their subreddit accounts below and begged each person below to unlock my account as I was losing a lot of money and could do nothing because my hands were tied : XXXX ; coinbase_josh ; CoinbasePatrick ; coinbaseXXXX Employee ; XXXXCoinbase Employee ; coinbase_cindy ; Coinbase-XXXXVerified Coinbase Employee ; XXXXcoinbase ; I sent each person an email desperate for help and still have had NO RESPONSE from anyone since they locked my account. I can be reached at the email account associated with the case number/request and would like them to notify me after they 've unlocked my account. Thank you.
When I tried for Auto Loan in the month ofXX/XX/XXXXreceived in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.
In XX/XX/XXXX, I opened a home loan with Bank of America, which reported on my credit report back in XXXX. In XXXX, Bank of American transferred the loan to XXXX XXXX. Somewhere along the line, my XXXX mortgage was deleted from my credit reports. There is no record of me ever having a new home loan with Bank of America in XXXX. This inaccuracy affects my credit score and home purchasing power. It also prevents me from renting because I have no record of payment history.
My complaint is against Account Resolution Service. I have made three attempts for debt validation from this company because my credit is being ruined from bills that do not belong to me. I am a responsible person if the debt belonged to me i would pay it but i can not pay a debt from a place i have not even been too. My last attempt to get this place to validate the debt they said in writing on the BBB website to me that they do not need to validate and that the debt belongs to me. This company is not treating me fairly. Right after i submitted my first dispute with XXXX about ARS in XX/XX/XXXX my XXXX year old grandmother started receiving phone calls from a man impersonating XXXX trying to get her to give them my information. The phone number area code is from the same area ARS is located. I want them to provide me with a signed contract that i signed saying i agree to pay this bill. This company is breaking the law by providing the wrong information to the CRA 's. The original creditor which i also do not recognise says they have no idea about this debt. So what leg does this company have to stand on? I think this company is a fraud. They have over 270 complaints against them with BBB. I think this company stole my identity to try to extort money from me to get a phony debt deleted from my credit score. That will never happen i will never pay for a debt that is not mine.
My husband and I were unable to maintain the car payments due to my illness therefore we surrender the car back to company. We did n't receive anything stating that we owe anything else on the car or if it was sold. Since then it has been sent to XXXX for collection and is reporting on our credit report.
I have been harassed and robo called by Navient all times of day and night even though they said they were taking me off the call list and a live person would call me. They will call one number, hang up and call the next number multiple times. One man even was rude to me and my co-signer when asked about the calls and his bf up on me and her.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .Thank You
XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! XXXX, EXPERIAN, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...
Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.
I have sent repeated letters to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my Transunion Credit Report. I have sent XXXX letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 8. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX  XXXX- " Requested '' XX/XX/XXXX 10. ) XXXX- " Requested '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX- " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
On        XXXX   XXXX   XXXX    I requested a payoff of my   XXXX    XXXX   XXXX  that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from  Chrysler valid through  XXXX   XXXX ,  XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on  XXXX   XXXX  and was advised that the cashiers check had cleared on the  XXXX  of  XXXX . I received a bill of sale from Chrysler Capital the week of  XXXX   XXXX  along with the original title transferring ownership to me. On  XXXX   XXXX  my mortgage broker proceeded to pull my credit and we found that  Chrysler  had reported me late for the  XXXX  payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take  24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On  XXXX   XXXX ,  XXXX  I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to  4 different supervisors/managers and each one to ld me the  XXXX  department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be  24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the "  XXXX  '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.
I opened a Citi Priority package with a {$500.00} promotional credit on XX/XX/2017. The promotion offer is a {$500.00} bonus as long as we satisfy some terms and conditions. However, Citibank refused to honor this offer even if I can prove that we have fulfilled all conditions. 

The terms of the promotional offer is : 1 ) Within thirty ( 30 ) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 2 ) Maintain {$50000.00} in saving account more than 60 days.

According to my correspondence with Citibank customer service, the offer is not honor even I have fulfilled the requirements for the following reasons : 1. My previous account was closed within less than 60 days of the opening date of the current one.

2. This account was not enrolled in this promotional offer as it was opened.

However, we have documents/correspondence to prove the above two reasons are false.

1. My previous account was closed on XX/XX/2017, which is NOT within 60 days of the opening of the new account. 
2. When I opened the account at the XXXX ( CA ) branch, the banker clearly went through all the details about the promotion with me and signed me up. Also, one of the customer service did located the promotion ( XXXX ) when this account was opened. 
I believe the inconsistent information provided by the Citibank customer service has shown that they are dishonest during the whole process. 
1. In XX/XX/XXXX, I contacted customer service and they told me that my account satisfied the conditions and the bonus is expected in the following month or XX/XX/XXXX. 
2. Later in XX/XX/XXXX, another customer service said that, although theyve located the promotion, my previous closing account was less than 60 days ( reason # 1 ). 
3. Then I contacted them again to prove that the reason # 1 is incorrect. Yet another customer service told me that this account didnt enroll this promotion offer at the first place ( reason # 2 ). 
4. Now, I believe that they block our access to contact via customer service regarding this issue. 
As our correspondence reveals, Citibank keeps providing contradictory informations and refuses to address this issue by coming up new excuses. I shall attach our correspondences with Citibank with this complaint.
I received a voicemail from a private number XXXX/XXXX/16 at XXXX. 
She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. 
I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. 
I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. 
I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.
I have had the most difficult year with Campus Partners. Each year a portion of my student loan is cancelled because I am a XXXX. As part of cancellation, each year I submit deferment and cancelation forms to the company to verify that I am employed XXXX. This past summer, in XXXX of 2015, I faxed both the deferment and cancellation forms as usual. Since then, I have re-faxed the paper work nearly every month and called the agency every month to determine if they had received the documents. This has been going on for an entire year! Despite my sending information, I was reported to numerous credit agencies, which had an adverse impact on my credit score and ability to purchase a home. 

Recently, I filed a complaint through CFPB and was later contacted directly by a representative from Campus Partners. The individual had me fax her the same paper work. The account was FINALLY updated within a couple of days, however, the adjustments were not made to the credit reporting. 

I contacted them, again, and spoke to XXXX ( employee # XXXX ) who for the first time in a year took that time to look through the system and determine that XXXX of their representative made an initial error by not keying in information properly the first time, resulting in my " defaulting '' on the loans. XXXX apologized and stated that she would note in the system their error and have then revert the negative reports to the credit agencieS. Instead of sending the information to the XXXX major agencies -- XXXX -- the information was only sent to XXXX At this time, I am requesting, that, the correct information be sent to ALL XXXX agencies so that the damage done to my credit rating -- due to their negligence -- is repaired.