WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I had simultaneous unauthorized charges on three credit cards, and CITIBANK card was among them. Two banks set the red flags right away and blocked the transactions after getting my " No pay '' responses. CITIBANK ignored the fraud, so I was made aware of the fraud on around XX/XX/XXXX from the bank statement I got. I immediately called the CITIBANK Security department and notified them about the unrecognized transaction of {$4500.00} to some XXXX XXXX restaurant in XXXX. A thorough exploring of my credit report showed that CITIBANK knew about the fraud since they made an inquiry with XXXX on XX/XX/2018, a few days before I got the statement. So, the bank did not notify me of the suspicious activity on my account but started botching my credit score. Also, the CITIBANK initially credited my account with the above-mentioned amount on XX/XX/XXXX but reversed it the next day. In my chat session, the agent XXXX stated that this unauthorized transaction was NOT my responsibility ( I have a transcript ) but the bank further pursuit the idea that the credit card embedded chip was activated but have not submitted any evidence of this like a copy of the receipt and the alleged restaurant address. CITIBANK has spoiled my credit score due to improper operation of their Security department. 
Beside that CITIBANK stated that the problem has been resolved, which is not so, and thus mystified the Federal Trade Commission, which informed me on that.
Their was an fraudulent attempt from an unknown individual out of Florida and applied for a XXXX credit card. 
Long story short this is the second attempted to get this inquiry removed from my credit report still reflecting as of XX/XX/2018
As of XXXX 2015, my working hours with the XXXX XXXX XXXX XXXX has been reduced to the minimum amount. I contacted the First Bank Mortgage and they gave me some alternatives regarding the Loss Mitigation department. I completed the application and submitted the required documents asked for by the institution. Since then, it has been a nightmare. My case has been assigned to several employees ( about XXXX ). They required additional documents, which have been sent to them in a timely manner. Every time that I called them to find out more information about the case they switch me to a line that no XXXX answers. It has been more than two months that I have been working with them and until now I have not received an answer from the department. The only phone call that I received told me that I need to pay a month 's rent because if the house goes for more than 3 months without pay the case will be sent to another department and some lawyer fees may apply. They then told me that the case would be more difficult to work on. Since this process started and no decision has been made, my anxiety continues to rise and I do not want to continue with the situation. I will like to know what is the next step. If I was not approved, I will like to know. I have no other choice than to file a complaint with your institution. Thank you in advance for your cooperation in this matter.
On or around XX/XX/XXXX I XXXX XXXX opened a checking acoount with bank of a America, on XX/XX/XXXX yu I deposit {$610.00} to my savings account that I personally opened online, on XX/XX/XXXX I was soon to realize that both my checking and savings account was closed without my consent I was now told by an online advisor to go into a branch to retrieve my funds from both account. Behold I was told on XX/XX/XXXX th by the bank manger in the XXXX branch that I need my marriage license in order to receive these funds!! I madly waited until XX/XX/XXXX th to retrieve all funds!! Sadly the check in the amount of {$610.00} was never received until XX/XX/XXXX after several phone calls wee made from the local branch to the online or main office. At this time, I feel discriminated against by the manager at the bank whom rudely told me on XX/XX/XXXX that she have been married for over 20years and she have a copy of her Marriage license in her car. This was after I don't her no one drives around with his or her marriage license. I embarrassely left the bank annoyed by her response or type of identification that was needed in order to receive over Four thousands dollars that was in my account that I still have no clue as to why it was closed up until XX/XX/XXXX. XXXX XXXX? XXXX XXXX XXXX
XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine
They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency
I am in the process of trying to buy a home. I had received an eviction letter from where i am currently renting so i reached out to American Express to see if it was possible to discuss payment options. I was advised by the representative that they would push my payment date back by 14 days and it would not report late on my credit report as long as i had paid it by the XXXX. It had reported late before the XXXX of this month. I reached out to American Express quite a few times on trying to get this resolved. I was provided 2 different numbers. The representatives mention they are going to try to help and the following numbers provided to me was a Credit Bureau Unit team - XXXX and the other number i think is customer service but it was XXXX. When i would call i was told that group could not assist me and to call the other number. I was getting bounced back and forth. I tried chatting online a few times about it as well and via social media but was advised to call those numbers. I did pay both of my cards in full before the XXXX which was the date that was advised by a rep i had chatted with.
XXXX XXXX has not updated information to Experian and XXXX with my accounts. I received a letter stating this would occur but, it has not.
I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of XXXX, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from XXXX saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

XXXX, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by XXXX as well, I 'm disgusted!
Incorrectly reporting that this item from XXXX XXXX XXXX XXXX is still open on credit report ; Needs to be closed immediately.
I submitted my XXXX XXXX mortgage payment via Carrington Mortgages automated payment system on XXXX/XXXX/2016 for XXXX/XXXX/2016 which was a Sunday. This was done electronically so I assumed it would post but I knew it wouldnt process until the next day. The automated system stated that payments on weekends and holidays would PROCESS the next business day. It did n't say post the next business day. So Carrington posted my payment for XXXX XXXX although even the documentation they sent me states XXXX XXXX. This caused me to receive a 30 day late on my credit. I disputed this with their research department who refused to correct the 30 day late. I feel this is unfair credit reporting and wish to have it rectified.
I purchased appliances from XXXX in XXXX, California. The purchase was financed by Synchrony Bank, which was facilitated by XXXX. The loan was supposed to be 18-month interest free loan, with {$160.00} per month payment. After the first month 's charges were drawn, the remaining balance of {$4400.00} was drawn as single payment on XX/XX/2017 without any prior notification. 

I did not catch this transaction until 1 month later and was a total surprise for me. I 'd like consumerfinance to help me with this issue.
Problem is BBVA Compass Bank explicitly told me it takes them two days to process a payment. ( the representative told me this ) so if the due date is XX/XX/XXXX, and my banks online payment check arrives on the XX/XX/XXXX, the two days of processing incurs a late fee even though the payment arrived on time, the XX/XX/XXXX. In order to avoid the late fee, they claim I need to have the payment arrive two days BEFORE the due date. 

Most recent example was this : My bank 's online check ARRIVAL date was set two days prior to BBVA Compass Bank 's due date of XX/XX/XXXX. So the check arrived on XX/XX/2018 which is a Friday. The payment finally posted to my BBVA Compass Bank account on XX/XX/XXXX. XX/XX/XXXX is a Saturday, the XX/XX/XXXX is a holiday the XX/XX/XXXX is working day and they post the XX/XX/XXXX. {$37.00} late fee is charged. 

This is the fourth time I have called BBVA Compass Bank on this problem. They can not have a certain due date, then claim it takes two days to process and charge a late fee. They need to have the late triggered two days AFTER the due date if they want to process for two days. 
I called BBVA Compass Bank and they reversed the fee but charged a minimum {$1.00} in interest fees
I really have both Federal and Private loans via XXXX XXXX from XXXX XXXX. They promised me the world and well it all feel short. I realized everything was wrong when my teachers did n't nothing but leave the school because they did n't want to work for them. I was stuck!! Every time they would tell me I needed to come and sign up for my next classes I had no idea i was signing up for more loans. They told me they would help me get a job ... they sent me an app for a XXXX at XXXX : ( They said i could transfer my credits if i wanted to later on ... Wrong none of my credits could be transferred. They did stuff so fast there that you never knew what you were about to get into. When I went to just visit the location to see if I would like it they told me to take a test because I did n't have my SAT scores back yet. I took the test they said I passed I was excited told them I would think about it next thing I know I 'm some how signed up to start school the next month ... .... They are all scams!!! They knew a XXXX year old could never repay the amount of money they asked me too and at that time I had no idea what I was doing because they always lied to me. I have had XXXX XXXX workers ask me if i had a dying family member that could write me into their will so I could make my XXXX a month payment ... I had one tell me to go XXXX someone to be able to make a payment .... Now all of my credit is horrible and I ca n't really do much about it due to the fact I do n't make XXXX a month extra to pay them. I just need help
My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.
I have several times disputed an account that i noticed at the start of XX/XX/XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XX/XX/XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XX/XX/XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having transunion, XXXX, and XXXX remove this from my report as soon as possible.
After telling AES that my address is no longer at XXXX they continue to send all my paper work there with personal information. I thankfully found out about this! But I 've sent them multiple messages stating this is not my address! I am so glad they are willing to just send out personal information out without care. It is negligence!
Citi announced a new policy that : Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. It doesn't impact the ability of consumers to use their Citi cards at merchants of their choice. 

This new policy violates many American 's constitutional rights to purchase firearms and other legal firearm accessories.
Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance, the entire lein all fees to be forgiven by them, did not enter into an agreement that settled for " less than full '' balance! Need to be reported that the " full balance '' is paid.
I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last 2 envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, XXXX.
Comerica Bank - XXXX XXXX XXXX, California issued me a credit card for a limit of up to XXXX without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband still banks there and my name is on his account, but that should not mean they have the right to force me to have a credit card with them. Help!! My cell it XXXX. XXXX XXXX
My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help.
Hello, My mortgage company, Mr. Cooper Mortgage, moved me to a lender forced homeowners insurance policy XXXX XXXX XXXX XXXX ) in XXXX of 2017. I first discovered this a few weeks ago when Mr. Cooper had sold my mortgage to XXXX XXXX. When reviewing my new bill from XXXX XXXX, I noticed that my escrow account had a shortage of {$2700.00}, and my monthly mortgage payment had gone up by {$390.00}. Six months had gone by without me knowing that I was placed in a lender forced homeowners insurance. 

I contacted my insurance agent at XXXX XXXX and he said nor him or his company had ever received any communication regarding insurance verification from Mr. Cooper Mortgage. XXXX ( my insurance agent ) and I called Mr. Cooper Mortgage company together and a representative from their hazard insurance center stated they made two attempts to call XXXX XXXX to obtain a declaration page and verify my homeowners insurance. Those attempts were apparently made on XX/XX/XXXX and XX/XX/2017. However, XXXX and XXXX XXXX made it very clear that no communication from Mr. Cooper, written or verbal, was ever received. The Mr. Cooper Mortgage rep then stated on a recorded line : We have documentation in our system that states the calls were disconnected. We asked for documentation of the two attempted phone calls and Mr. Cooper Mortgage was not willing to provide it. We also asked if the calls were disconnected, why didnt you try calling back? The rep did not have an answer for us. XXXX further added that nor him or his company would ever verify someones insurance over the phone, that it always has to be done in writing for documentation purposes. And because Mr. Cooper stopped paying my XXXX insurance policy, XXXX dropped my coverage. So unfortunately I cant provide proof of insurance since there was a laps in my coverage. 

The Mr. Cooper Mortgage rep also stated that a letter was sent to my home to notify me of this change in insurance which I NEVER received. The lender forced insurance they provided me was {$2700.00} annual, which was almost 4 times the amount I was paying for my previous policy through XXXX XXXX. This is price gouging, bad business and Mr. Cooper Mortgage clearly has an interest in moving their customers to their lender forced insurance partner. And both companies happen to be located in XXXX, GA. 

Mr. Cooper Mortgage made little to no effort to verify my insurance or notify me of my laps in coverage. They are intentional with their poor insurance verification process and are taking advantage of their customers. Now I am stuck with a massive mortgage payment and 6 months of lender forced homeowners insurance that I never authorized or knew about in the first place. I am not an insurance expert, but I know that I am not at fault here. I feel very taken advantage of and wish to file this complaint against Mr. Cooper Mortgage regarding their manipulative business practices.
On XX/XX/XXXX, I attempted to sign up on Navient 's website for recurring monthly payments from my savings bank account. The process seemed to go smoothly, and I received a message on the website saying that it had been successfully enrolled. and that I could expect my monthly payments to come from that bank account moving forward. 

On XX/XX/XXXX, I received an email from Navient that my auto-pay enrollment had been cancelled. The message noted that " the bank account information provided was incorrect or invalid. '' Later that day, I called Navient 's customer service to resolve the matter. The customer service representative reported that the scheduled auto-payment had indeed been completed, even though I told them that it hadn't shown up on my online bank statement yet. 

On XX/XX/XXXX, I received an email noting that my payment had not been processed. When I logged onto my Navient account, I saw that my bank account had been deleted, so I entered it again -- again, registering for auto-enroll for my bank account. 

On XX/XX/XXXX, I received a past due notice by email about the payment. When I called customer service on XX/XX/XXXX, they told me my bank account had been " blocked. '' They said that it was an invalid bank number, even though it was all correct. They said that the only way to " unblock '' it would be to request that my bank fax Navient to verify that the account is " valid. '' At this point, Navient is charging me a late fee, and I still can not register to make automatic payments from my bank account.
On XXXX/XXXX/2016 I contacted Chase Credit Card Online services by phone regarding my Chase Visa XXXX credit card. Every month I get an email from Chase that ONLY says " You have a bill due in 20 days. '' I asked Chase if I can get an email that states the balance due and the due date like the one provided by my XXXX and XXXX XXXX. Chase says that for security reasons they ca n't send me my balance and due date in an email. I pointed out again that XXXX and XXXX does it. I just want to easily learn what I owe and when I owe it without having to log on to my account from the safety of my home computer. By making this information more difficult to obtain, Chase makes it more likely that I will miss a payment.
where and what are all these charges from the same day? looks like fraud and they can charge any ones account anything at anytime? the followinf data was collected from my credit report. The company is Credit Systems of the Fox Valley aka CR SYS FOX. website is http : //www.csfv.net/. No one from this company ever tried to contact me. 

Creditor Name Balance Balance Date Monthly Payment Term XXXX XXXX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018