WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On XXXX/XXXX/15 Huntington Bank double debited checking account customers due to system errors. My account was affected, resulting debit transactions being declined even though I had money in my account. This was embarrassing and unacceptable. Moreover, My overdraft protection kicked in so i had to manually move that money back to my overdraft account. Once I moved the overdraft money back, Huntington also automatically moved that money back resulting in my checking account to be debited an extra {$1100.00}. We are now over 1 week since Huntington erroneously double debited XXXX folks and my checking and overdraft account are STILL broken. My own money has not been available to me for quite some time. I have been advised different things from various Huntington employees, and so far none have been true or correct. I have chat transcripts and there are recorded phone conversations as proof that I have been lied to on multiple occasions. I am very concerned that this will not get fixed, as we are at over a week since the double debit issue. This is extremely concerning behavior by Huntington towards its customers. At this point I have no choice but to continue to escalate, as I have bills that need paid and transactions I need to complete. Assistance in getting this escalated and resolved would be greatly appreciated. 

1. I was advised that since I manually transferred the money back to my ODP account the automatic transfer would NOT apply. This was not true. 
2. I then chatted with a bank rep ( I have the chat transcript ), who advised me to just transfer the money from the ODP back to the checking acct. This did not work since the ODP account was in the negative, another false statement from a Huntington rep. 
3. I spoke to a phone bank rep on XX/XX/XXXX ( which was recorded and on record ), who promised me the issue would be fixed overnight. This was not true, it had not been fixed.
My debit card from Bank of America was stolen on XXXX/XXXX/2015 ( going by the account activity ). The person who stole it knew my pin number and also gained access to my online account and changed my password. I have absolutely no idea how these people obtained all my information. They deposited a check for {$3300.00} on XXXX/XXXX/15. Even though the signature in the back of the check did n't remotely resemble mine and I do n't believe they could have provided a valid ID, the funds were made readily available without a hold. These funds were used to make several purchases. When the check came back for insufficient funds and was debited from my account on XXXX/XXXX/15, the account balance went down to - {$1000.00}. The bank continued to approve purchases and debits for XXXX additional days until I finally realized my debit card was missing and I called them to notify them. By then, my account balance was - {$3500.00}. They said they would open an investigation that would take up to XXXX days and the very next day I received a letter saying they had completed the investigation and found there was " no error in the instance '' and I was now liable for all that money. So their investigation took one day during which no one contacted me to ask me anything. I filed a police report on XXXX/XXXX/15 because someone from the bank asked me if I had filed a police report. I filed it late because this had never happened to me before so I did n't know what I had to do. The bank alleges they called me on XXXX/XXXX/15 to verify the charges and I said they were ok. I do n't remember ever getting that call. When I asked them for a copy of that conversation they said they could n't give it to me because only the police had the right to ask for it. I have left a few messages for the police investigator that was assigned to my case that have gone unanswered. In the meantime I ca n't open an account anywhere else, I ca n't deposit my work checks anywhere and my credit has been compromised. I think the bank should n't have accepted the initial deposit of over {$3000.00} without proper identification and without verifying my signature. They should have at the very least put a hold on the check until it cleared. They also should have detected the unusual activity in my account and taken the proper steps to alert me of the situation. I need help please! Who should I contact? Who regulates the banks? 
I want to clarify that the only reason the bank reopened the investigation XXXX was because I called them to tell them they were wrong and they needed to investigate further because I did not make any of those charges. As far as they were concerned their so called investigation was resolved in XXXX day. Never, during any of their XXXX investigations I was ever contacted by anyone to ask me anything at all.
I have been receiving repeat threats from a company called the XXXX XXXX XXXX. I have sent 3 different debt 609 validation letters to this company without a response. However today I received a call from this company and spoke with a XXXX XXXX who proceeded to be very rude and say this debt was mine and I made payments on this card and it is mine. I advised him that this debt was not validated properly. He advised me that the debt was mine and that I needed to pay it with very abusive and threatening language. I asked him was he allowed to even licensed to collect a debt in my state and he refused to answer my question. He told me that he would update my account as a refusal to pay and that they would keep calling my phone. I am outraged that this is happening to me and that I am being harassed in such manor. I did not give this company permission to call me or place this debt on my credit and this is a violation of my rights.
ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS. 

I was applying for an FHA loan through Veterans First Mortgage with Lon Officer XXXX XXXX MLS # XXXX being my point of contact. I started this process in early XXXX and was approved for my loan of {$64000.00}. The original reason for me buying this property was because my wife and I were separating. On XX/XX/XXXX16 the house that my wife and I were sharing burned down. It was a total loss and her and I and our children are now living in a hotel. I have provided all of the documents that have been requested and then yesterday XX/XX/XXXX16 XXXX XXXX contacted me via email saying that they needed my separation documents for underwriting. I informed them that there were no separation documents because nothing had been filed. I was then further pressed to have a lawyer draw something up. I informed them that this would not be done. They then said that I would either provide them with something or they would not approve the loan. I informed them that my wife and I are staying in the hotel together and once I buy the house that the mortgage is for my wife, kids and I will be living in the house. The underwriter wrote an email to XXXX XXXX ( XXXX XXXX read it to me over the phone ) stating that he found the timing or my wife and my reconciliation odd. I informed XXXX XXXX at that time that the timing of my wife and I getting back together is of no concern and not odd due to the fact that my initial letter of intent for the mortgage stating our separation was nearly 6 weeks old and no agreement was requested until a day ago. I have already paid {$500.00} in earnest money, {$350.00} for an inspection and {$500.00} for an appraisal. Now the underwriters are refusing to approve the loan because they are demanding a document that does not exist and is irrelevant. Furthermore, they are stepping outside of their bounds by questioning my intent for purchase now as compared to then. Just to recap since the loan process has begun I was initially separating from my wife, on XX/XX/XXXX16 the house my wife an I shared burned down and was a total loss, we moved together into a hotel where we have been for over a month, and her and I are planning to live together at the home I am attempting to purchase with this mortgage loan. Now the underwriters are refusing to approve the loan after weeks of waiting and {$1300.00} dollars of my money spent based upon my marital status. It should be noted that XX/XX/XXXX16 was supposed to be the original closing date and that the appraisal was late to push it back but the underwriters asked for nothing of the sort until the original day of closing. 

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS.
I have requested XXXX and Navent to reduce my student loan payment but this company refused, I have filed several time ( papers ) and submit them to NAVENT and XXXX, certified, but the refuse to process! They will wait several months and delay payments. But refuses to process my paper work to reduce paper due to XXXX.
XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX, and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Back in XX/XX/XXXX I sent TransUnion a dispute letter asking for them to verify some negative items on my credit report from a higher standard than a computer generated inquiry, or third party association. I informed TransUnion, that if for any reason that they verify any of the disputed items as being accurate, that I want them to provide me the original documentation that I signed, pursuant Section 609 of the Fair Credit Reporting Act that states the creditors must provide the Credit Bureaus a copy of the original documentation. TransUnion received my dispute letter on the XX/XX/XXXX on a Friday, and has failed to respond within 30 days, therefore the items I disputed are unverifiable, and must be deleted. The proof is attached to my complaint.
I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.
My recent balance on this card was of {$690.00}, today XXXX/XXXX/XXXX it was increased to {$710.00}. When I contacted the credit card company through email they replied by saying that I had a revolving charge of {$180.00} in my account and until I paid for that the interest were going to increase. I need to know what is this charge for because I pay more than the minimum.
XXXX XXXX payment paid XXXX/XXXX/16. Santander reports payment XXXX59 days past due. Payment came out my account XXXX/XXXX/16. Santander reports no payment for XXXX in the historical account information section and XXXX59 days past due is the negative information reported. In addition, I made payment in XXXX for twice the amount of the monthly payment and Santander refuses to apply the payment correctly. This has happened twice in the past where the branch applies the payment Incorrectly. The branch told me to contact customer service and customer service refused to apply it correctly and refused to update my credit report. They only updated it to show I made XXXX 's payment after the first dispute but did not update over 30 days or historical account information to show XXXX payment. I request for Santander Bank to accurately report the correct information for XXXX/XXXX/16 payment to all XXXX bureaus since I have to bring this matter through Federal Trade Commission.
I moved from XXXX to XXXX XX/XX/2016. And I did not move in to the new house until XX/XX/XXXX because attorney had to straighten up titles of our new house. I was late paying Chase credit card for XXXX because I never received printed statement. I have expressed to have both On-Line-Statement and Printed statement before, but I have never said that I wanted On-Line-Statement only. I called Chase XX/XX/XXXX and paid my due and they removed {$37.00} late fee. 
I made sure that they had my new address and asked them to mail me printed statement. That was XX/XX/XXXX, so they had a time to send me a printed statement so that I do n't forget send my check to them on time. But I never received printed statement for the XXXX payment. So I was late for XXXX payment. Chase added {$37.00} late fee and they refused to take it off. I told them I was late because they did not send me the printed statement which I asked them XX/XX/XXXX. But they insist that they can not take {$37.00} off. Now they are saying that they sent me a statement but the mail must have been lost. I have difficult time to believe that.
I have been a Citibank credit card customer for many years, and they are now starting to charge me interest fees on purchases that I pay in full every month. After calling a couple of times, and still not understanding the reason for the fees, I wrote this : " I had called about this, but still do not understand why I am being charged interest on my purchases when I have paid them in full every month. I was told because I still have an amount for balance transfer ( even though it is interest free ), that interest will now be charged on the purchases I have made ... I looked back at previous statements from XXXX & XXXX, and I was never charged this interest as long as I paid my monthly purchases in full, and still had an interest-free balance transfer amount. This makes no sense to me. I have never experienced this with any other credit card ... Please explain this so I understand, and if things have changed from the past, please explain that also. '' This was their response : " The interest shown on your statement is generally called residual, or trailing interest. This is the interest charged against the account balance from the last cycle 's statement date until the date you paid in full. If you paid on your due date, the interest was assessed against the balance that existed on your account for about 25 days. '' There was a promotional offer of 0 % interest on purchases for, I believe it was 18 months. I paid off the entire balance in XXXX XXXX and continued paying all of my purchases in full each month. Then in XXXX of this year, I made a total balance transfer of {$1500.00} with a {$45.00} fee. I paid not only the balance of purchases that month, but also the {$45.00} fee. So the remaining balance was only the {$1500.00} transfer. That is when the interest started, even though I have paid the full amount of purchases each month. See the attached document. This is fraudulent and a scam- '' residual or trailing interest ''? I have NEVER had anything like this on any other credit card. I am not sure if they are trying to recoop losses from 2 % Cash Back on the Double Cash card or the reason for trailing interest. So it makes no sense to use the credit card since the minute you make a purchase, the interest clock starts ticking even if you pay it in full by the due date. This is a scam and it must be stopped. There should be no residual/trailing interest as they call it, it is a deceitful practice, and all they are doing is recouping and making the money lost from 2 % cash back ( 1 % when purchased and 1 % when paid ). It is a deceptive and deceitful scheme, and must be stopped. It is a con and people are being swindled.
I sent by certified mail 3 disputes and an email to it's CEO XXXX XXXX requesting Experian to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.
around XXXX/XXXX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to XXXX as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in XXXX as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
On XX/XX/XXXX, I discovered that XXXX  XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number XXXX.
Sent credit card balance transfer from XXXX ( Account XXXX ) to Citibank ( {$9200.00}, Citibank Account XXXX ) and XXXX ( {$5700.00} ) on XX/XX/2017. XXXX posted transfer on XX/XX/2017. Citibank stated on XX/XX/2017 that they have not received the balance transfer even after verifying the account information several times. As another example, I sent a XXXX XXXX bill pay to Citibank and it posted in 4 days. 

XXXX has verified that the Citibank balance transfer was a valid account and it left their institution on XX/XX/2017. After 13 days, they have not received a notice from Citibank that it was rejected.
In  XXXX   XXXX  an agreed rate was established for nightly hotel rate with  XXXX   XXXX   XXXX ,  XXXX  Texas. The rate was {$88.00} per night plus taxes through the end of the year. The charges were all made correctly until the last week in   XXXX   XXXX  , checkout on   XXXX  . I checked in and immediately noted the rate was wrong and indicated as such on the checkin document signed. I was told by the hotel during my stay and upon checkout that the rate would be corrected. The rate was never corrected and the accounting/front desk manager  XXXX  never responded to me during the stay or subsequently. I filed a dispute with Chase and  XXXX   XXXX  sent the document showing that I clearly noted the correct rate and a document showing the incorrect charges. I am attaching numerous weeks prior showing the correct rate and the documents that were sent to Chase by  XXXX   XXXX .  Chase  merely ignored the documents sent to them by  XXXX   XXXX  showing that the rate was clearly wrong and that  XXXX  would resolve. At the end of the day, Chase did nothing about the dispute.
My card was changed from an XXXX to a VISA and When it became a VISA XXXX sent me a bill saying that my new min payment was {$2200.00} ( 20 % of the amount owed ) which is substantially higher than what it always had been with XXXX approx 2.5 % of the amount owed. I paid at least the 2.5 % as I always have, then they proceeded to report late payments in XXXX and XXXX 2016 ruining my credit. This isnt right and they need to be held accountable. You cant just jack up a min payment from 2.5 % to over 20 % without any warning!!!! SEE ATTACHED DOC
I have been trying to get something removed from my credit file. There is fraud going with  XXXX    XXXX    and  XXXX . I have a Federal Trade Commission report now Equifax say I need a police report. from  XXXX     2016 p resent. I have place alerts and freezes. Spoke with  XXXX   XXXX  Fraud department but it still is coming through with Equifax.
I applied for an American Express Delta Skymiles Credit Card in XXXX 2016. I have screenshots from XXXX and the application showing that the offer was for XXXX miles however I am being told it was only for XXXX miles. I have clear evidence showing that the website said XXXX miles. I complained to Amex and it took 5 weeks for them to say they would not credit me the extra XXXX miles as promised. They claim the offer said XXXX and that is that. They consider the matter closed, however I believe there is malpractice here in advertising because the website clearly shows XXXX miles when you spend first {$1000.00}. Even when I showed them evidence of this they said no. They claim my offer said XXXX miles but the screenshot shows I was logged in under my skymiles profile and it clearly says my name in the web page and an offer of XXXX miles. I tried to reach out to their executive office to no avail. I am very dissatisfied with the level of service and misleading credit card application. I feel like I have been deceived and that I was tricked into opening a credit card and am not receiving the full benefits promised on XXXX. I complained to the XXXX and American Express now says they will no longer respond to my complaint since the " issue is resolved '' however it is not resolved at all. Screenshots attached.
XXXX XXXX XXXX issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.
I have an installment loan with XXXX. I have been having trouble paying lately and repeatedly asked them to stop a I to debuting my bank account as I had no money to pay them. They continued to auto debit my account after I asked them to stop. They also caused me to overdraw my bank account.