WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I had a online email stating my credit card account was showing on " Notice of suspended Online Bill Payment service '' so I called citi bank customer service immediately after receiving the email, spoke to XXXX XXXX same day & she explained that a payment showed returned, because the account was not found, it then made me realize perhaps it was an old inactive account still showing in history, so I said ok, it was probably an error that account was used, and she agreed too and waived return fee, also I paid through the phone with XXXX, so we could restore the account in good positive status. Next day found out my account had been closed, I called customer service again mentioned only the night before spoke to XXXX XXXX, she did n't tell me anything about the account being closed or going to that status, and infact saw everything fine from her end. I was advised today that in order to open the account they need to do another credit inquiry, I do n't feel this is fair at all given I made all and any attempts to resolve as per the direction of Citi banks email to contact customer service. I resolved things from my end, paid the balances owed from my debit card on the phone and still the account went to closed. I am worried this will affect my credit score, as they will now report the account closed, and also worried that by re-opening the account they need to do another credit inquiry which is not necessary. They are saying to me there is no other way, but asked me to write to the president of citi bank for him to review my request, I will send the letter XXXX in the mail but need help also from an agency like your 's to please review my case, this is not the right way for credit card companies to take advantage of customers. I did everything in my power to call the customer service and resolve things from my end immediately, they should n't have closed my account when I made a payment through customer service that went through just the night before. This has put a very concerning view on Citi Bank 's practices especially since I have been with them for 4 years and currently even have another credit card with them in good standing and active status.
In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.
Applied for a credit card with XXXX XXXX XXXX on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from Experian that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my Experian report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or XXXX XXXX XXXX had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID XXXX.
This company has misled you also. If you look the fraud affidavit submitted, you can clearly see it has Synchrony/G.E. They are a collection company for Synchrony, and they told a bold face lie. This is the same company that XXXX  slurs to me. This is the same company that caused me to lose my V.A. Loan. They are liars.That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX  on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran and this XXXX XXXX XXXX member. Please?
refuse to investigate credit inquires that were not authorized Equifax claims that inquires are a factual record of file access a
In spite of the legal notice I sent XXXX XXXX XXXX, they have refused to comply with the Uniform Commercial Code, and the USC laws, and will not except my Promissory Note, which is legal tender of payment for the discharging of a debt. I gave them a list of some of these laws, but they dont seem to mean anything to them. Some of the laws I gave them are listed below. 
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by midnight of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item.

UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.

3-104. NEGOTIABLE INSTRUMENT.

( a ) Except as provided in subsections ( c ) and ( d ), '' negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.

( b ) '' Instrument '' means a negotiable instrument.

( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check. 
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.

( e ) An instrument is a note '' if it is a promise and is a '' draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.
I mailed a payment to the XXXX XXXX which presented to my checking account on XXXX/XXXX/15. XXXX/XXXX/15 I filed for bankruptcy this account was not included, because of this my insurance paid off the balance of my account causing an over payment. XXXX/XXXX/15 I requested to have the over payment returned, that request was not processed. XXXX/XXXX/15 second request for over payment started this was completed. XXXX/XXXX/15 I received my check and I deposited it on XXXX/XXXX/15 to my account. XXXX/XXXX/15 the check was returned unpaid as unauthorized. My checking account was then charged a {$20.00} fee for a {$25.00} check. I am not out {$45.00} instead of just {$25.00}. XXXX/XXXX/15 I contacted customer service to XXXX for a replacement of funds, they stated someone would contact me back and they would find out why the check returned. XXXX/XXXX/15 I have yet to receive a call back. I have contacted this customer service almost on a daily bases and either the call is dropped or they tell me a supervisor will call back in 24 business hours and yet I have not receive a call or my money. I have requested the telephone number to the corporate office and have been told there is no number. I checked on line found a number that is just a series of voice recording information.
I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you.
I was contacted by XXXX XXXX with the Department of Investigations and she told me that a debt I thought I had paid off in 2013 had n't been paid off and that if I did n't pay {$440.00} today, she would have me arrested today and prosecuted for theft by deception. Scared, I called a lawyer friend and she told me to bring all information to her. On the way, they called and left a voicemail and I called back. I recorded the conversation, this time with a XXXX XXXX, so I did n't forget anything. I played these for my lawyer friend and she said that she thought it was a debt collector pretending to be law enforcement and that they could n't do that. She called and asked to speak XXXX XXXX, and to her supervisor when she was told that XXXX was out in the field. She was transferred to a woman named XXXX and then to XXXX XXXX. She told XXXX XXXX that the threats violated the Unfair Debt Collections Practices Act and then XXXX started yelling that she was n't a real lawyer and hung up. She called back and spoke with XXXX XXXX, who told her that she would have to fax a letter of representation to ( XXXX ) XXXX, but when she started asking XXXX  the name of the company, their address and the state in which they were incorporated, XXXX hung up on her. Unfortunately, when they first called me, I was so scared that I gave them the names and numbers of 2 references and the name and number of my employer. Now I 'm afraid they will contact them. Please follow up as I understand these practices violate the law and may even be a crime. XXXX  did say before she hung up that the company 's name was XXXX XXXX XXXX and that they were a corporation located in XXXX, Ohio.
Credit and personal information stolen in the equifax data breach announced XX/XX/2017 due to gross negligence.
we ordered XXXX. in XXXX of XXXX our roomate signed this little XXXX box without my authorization. ( were told anybody over XXXX could sign ) this was a XXXX XXXX credit card. i canceled the order within three days. and returned their equipment. i notified XXXX of the situation and they did an investagation and gave us our money back. XXXX is still trying to charge us ov er XXXX for an illigal usage of the card and i reported the fact that we didnt wish to use their services. i want this to be taken off our credit report and they needto stop sendfing me bills.XXXX agreed with me.
Ive tried on several attempts to dispute these issues with Experian. XXXX XXXX account has been closed since at least 2012. Its been paid off and Ive disputed with the original creditor and they have stated they are not reporting to the credit bureaus as it shows. Ive tried on several occasions to dispute it with Experian but its never been resolved and claimed its been disputed. There are also two derogatory accounts from XXXX that are still reflecting my credit report. Ive disputed on several occasions and these accounts are still reflecting my credit report. They claim to have dispute but the outcome still shows the same results. I would like proper validation as to what the XXXX has sent them. Ive sent letters but still have not got a response back.
I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my right s as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the cre dit being pulled without my permission.
Bank of America Mortgage Account # XXXX failed to report to the credit bureaus ( XXXX, XXXX and XXXX ) that they foreclosured on my mortgage in XXXX They also reported incorrect past due {$58000.00} as the past is only based on the Notice of Intent to accelerate the Mortgage. The past due from acceleration is {$2900.00} not {$58000.00}. See their Notice of Acceleration letter. XXXX the account was accelerated the principal balance is also due. It is illegal to report monthly past due after foreclosure in XXXX XXXX, XXXX. 
They also reported incorrect information to ( XXXX, XXXX and XXXX ) as they stated the account was 180 days past due. The account history of past due was the Mortgage Foreclosure amount {$2900.00}. 
The also reported to ( XXXX, XXXX and XXXX ) the account is still past due in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This in correct as once the Foreclosure filing was filed in the court. The monthly past due history is not applicable.
I continue to get harassing phone calls from Clearspring Financial. I recently received a letter in the mail with them threatening me that I must pay back a loan that I never got from them. I went through a foreclosure in 2011 and they sold part of the loan to Clearspring. They changed their name twice since 2011. I already lost home and now it appears that I 'm still being held accountable for something that was foreclosed upon in 2011. I have paid Clearspring money because they used some very aggressive practices when I was initially going through the foreclosure. I was literally afraid of what may happen. Now, I 'm tired of being threatened by them and having this thing over my head for years. Can someone stop them??
I have attempted to conant Discover through their Secure Message Center. They will not answer my questions. They simply replay to the with the same canned message each time so I know they are not reading the question ( s ) posed. Ticket Number XXXX.
The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years.
My American Express, as well as all my credit accounts, are always paid in a timely manner and absolutely never late. I never pay just the minimum and pay off large amounts of the balance but American Express repeatedly blocks spending on the account with many reasons why they Shut down the card. When I call in they tell me Im an excellent customer in good standing but they continuously shut off the card with a many u substantiated reasons. They have personally insulted me when I call to complain and typically get a representative from outside the US who does not speak fluently. The gentleman from XXXX I spoke with in Sunday was verbally insulting me and lecturing me on false accusations. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also and I still dont have this resolved. They charged me a {$550.00} annual fee last month but keep shutting off the card which doesnt allow me to access the benefits of the annual fee. This all seems fraudulent to me and would like Amex investigated. A customer in excellent standing should not have to deal with this. My account statement shows there is no payment due at this time and no preset spending limit which is evidently false. Being a XXXX XXXX I am making large purchases monthly and expect to carry a balance between 10-20k depending on need but it always gets paid and I pay large payments!!!
I have disputed the XXXX  account with Equifax MULTIPLE TIMES. As has been previously stated, this account was included in my bankruptcy in XX/XX/XXXX( Central Dist of IL Bankruptcy Case No XXXX ) and discharged XX/XX/XXXX as it FAILS TO MEET THE DISCHARGABILITY EXEMPTION CRITERIA set forth in 11 USC 523 ( a ) ( 8 ). Said case was originally filed on XX/XX/2008. As per FCRA guidelines, the reporting time for any debt included in a Chapter XXXX bankruptcy expires 10 years from the original filing date which would have been XX/XX/XXXX.

Notwithstanding this fact, as a result of Equifax 's last " investigation, '' my report now shows this account as " included in bankruptcy. '' This is definitely a step in the right direction considering that in all other investigations Equifax refused to acknowledge that this account WAS IN FACT included in my bankruptcy. However, the issue remains yet unresolved as the account should not be reporting on my credit report AT ALL due to its age.
In XX/XX/2014 I went to a hospital for a procedure. An insurance co-payment bill was sent to a collection agency called EOS CCA. I found out and called and paid the collection agency in full with a credit card. Now they show that I owe {$86.00} on my credit report. 
I have been calling the collection agency to remove that from my credit report and they keep saying that I owe NOTHING and the credit reporting company has to fix it.I have contacted XXXX many times through their email and leaving voice messages and no response and no fixing. 
this is very frustrating and these people from the collection agency are rude and not helping. 
Please help Thanks
I AM WRITING TO COMPLAIN ABOUT A BANK OF AMERICA MORTGAGE POLICY THAT APPEARS TO BE DESIGNED INTENTIONALLY TO DRIVE UP FEES AND COSTS. 

Summary of the facts : My mortgage ( which is about $ XXXX ) was set up for automatic withdrawal/payment from a Bank of America checking account to my Bank of America mortgage. This arrangement had been working fine for years. In early XXXX 2016 I forgot to fund the account from which the automatic withdrawals were being made. Consequently, on XXXX XXXX, the date scheduled for automatic payment, there were insufficient funds in my checking account. I did not immediately notice my oversight, so the next day there were also insufficient funds. This generated a second overdraft. A few days later I funded my accounts, but Bank of America terminated my ability to make electronic payments to my mortgage. I have been fighting with Bank of America ever since to get my mortgage back on track and electronically accessible for payment. Bank of America refuses. They insist that I may payments with a certified check or a money order and they have informed me that I will have to make payments via one of these XXXX mechanisms for one year before my electronic payment privileges are restored. One of the telephone representatives I spoke with recently about this problem explained to me that I " needed to demonstrate that I was able to make my payments '' before I would be allowed pay electronically. I am able to make my payments. I currently have about {$8600.00} in my Bank of America checking accounts. But, Bank of America will not accept any method of payment other than by cashier or certified check. 

I can pay all my other bills electronically from my Bank of America account. I can transfer money to any other bank account in the world from my Bank of America account. But, I can not pay my Bank of America Mortgage from my Bank of America checking account. The only explanation for this practice is to drive up fees and costs. 

I will be glad to produce any additional documents that you might want should you agree to look into this matter. Thank you.
I have a visa debit card with net-spend. On XXXX XXXX, 2016 XXXX fraudulent money transfers was made on my account by an individual I do not know. Net spend would only say the individual name was XXXX XXXX. At XXXX this individual withdrew {$350.00} from my account. I called and reported the fraudulent activity and the representative XXXX, told me that my account would be blocked and I was given a dispute number. One hour later the same individual withdrew more money from my account. Again I called and was given a dispute number and told my account would be blocked. I filed a dispute and sent in all requested documents, including a police report for identity theft. After waiting 10 business days I was informed that there was nothing that they could do because the individual had all my information to transfer my funds. Even after I filed a police report they did nothing to retrieve my funds which had been stolen from my account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me for a debt that was open by someone in XX/XX/XXXX when i was only 15 years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XX/XX/XXXX and discharge in XX/XX/XXXX they never notify by mail or phone call also\they got a default judgment against me in stated garnishing my bank account.
COINBASE Authentication Failures : I have been unable to access my Coinbase account for nearly a month due to issues with their Two-Factor Authentication ( 2FA ) System. 

Prior to this, I had an active account for nearly two years and had no problems with conducting many transactions. Coinbase is now effectively holding my money, without authorization, and has provided no method for resolving the problem. 

I contacted Coinbase Customer Support on XX/XX/2018 and after 53 minutes on hold, I was connected to " XXXX ''. I was told that I had to use an automated system to reset my authentication. I explained many times why this could not work for me. I escalated to a Supervisor, " XXXX '', who after nearly 30 minutes of work agreed to escalate my issue in their queue. She provided no accountability, and all I have received so far is a copy of an internal e-mail that she sent to their escalation queue. I asked many times about how to contact them again to follow-up, as I was certain that this problem would not be resolved in a timely manner. I spent a total of 93 minutes on the phone, and was told that there was nothing else that they could do. It was clear that they expected me to give up on the issue entirely, though I refused to accept that as a " resolution ''. 

This problem is extremely widespread based on hundreds of posts online, and I have been informed that the current queue of lockout requests is in excess of 76,000 requests! I have no confidence that I will EVER be able to access my account, as this issue started nearly a month ago. I need the funds to cover expenses and consider this extremely urgent.