WillisBack/dataset-financial-user-claim huggingface dataset:
My Citi Hilton honors card was closed in XX/XX/XXXX, as they decided to transfer the business to Amex. Mistakenly, I made one payment to Citi during the transition. The payment was in the amount of {$100.00}. This payment was not applied to my amex card, as I had to pay them the same amount and interest when I was notified my card was past due. Citi send me a letter dated XX/XX/XXXX stating that they have my payment, and a copy of the check, but they don't have an account to apply it to. ( letter has a reference number XXXX. I don't have my old Citi card number ) I've called 3 times. Once I was told to " wait '', once I was told to call Amex ( I did, they told me to call Citi ) and once I was bounced around to multiple people and then the call was disconnected. I also sent an email to Citi consumer complaints. No response. 

Its only XXXX bucks ... which quick honestly I could care less about. Its the principle of the matter, its the time I have spend trying to get it back, and its the thought that someone, some family who has nothing, and needs that XXXX $ to live, couple possibly be out the money and unable to get it back. In fact, I don't care if I get the money ... I just don't want Citi to have it. Donate it to a food bank, and send me proof.
I called TD Bank and asked how much it would be to protest a check tat their customer wrote since he has refused to come into pay for it. After keeping me on hold for over fifteen minutes they informed me that they do not protest checks. In New York we need to protest a check before we can go to the police to try to recoup our loss
JP MORGAN CHASE and XXXX are DUAL TRACKING MY MORTGAGE XXXX sent me papers to help me work out a modification plan. While I was trying to work out the modification plan JP Morgan Chase was processing a foreclosure. I did not know who I was supposed to contact who I was supposed to work with to get help with the mortgage. XXXX told me that I have to work with them. So I completed applications sent forms and yet JP Morgan Chase has foreclosed without any notification to me. MY HOME IS SET TO BE SOLD XXXX XXXX, 2015. How can they lead me to believe I am getting this preapproved modification while they are foreclosing on my home. I received no court papers only the papers XXXX sent AFTER I FILED A COMPLAINT. I am at a loss what steps to take, the Attorney for Chase said that it did not matter that I was working with XXXX on a modification that JP Morgan Chase was foreclosing anyway. According to what I have read on the National Settlement they are restricted from doing this. 
The National Settlement stated that to .stop this illegal practice that I had to immediately file a complaint with you.
I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult. 

I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well. 

I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.

I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property. 

Thank You Very Much!
XX/XX/2018 my debit card was used fraudulently for a large number of purchase, approximately 29, and a dollar amount near {$5000.00}. I notified my bank when I discovered my account was overdrawn. I was never contacted by the bank as to unusual activity on my account or transactions that weren't consistent with my regular banking activity to see if I was in fact using my debit card for these transactions. When I asked why the unusual activity on my account didn't draw suspicion and the fraud department didn't contact me I was told because all charges were local. In the process of their investigation it was determined that some of the transactions were done by a family member who briefly stayed in my home and took the card without my knowledge. I was told if I filed charges with the police I would get my money back. I was given provisional credit after I complied with the banks request and filed a police report then a few days later the credit was withdrawn and the case closed. I was informed it was a personal matter and they could not give me my money back and I would have to personally try to get my money back from the individual involved. I never received any documentation from the bank concerning their investigation and what evidence they had that the individual identified had made all the purchases and why in a case of fraud I could not recover my money.
My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. 
So, I am out {$1000.00} and all parties to the problem are unwilling to help me.
Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX
This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency
On XXXX XXXX, XXXX, I used a promotional balance check from Capital One credit card company. I had a note on my calendar that the promotional due date expired on XXXX XXXX, XXXX. So, in order to avoid any interest charges, I was preparing my finances to pay the balance in full. I logged on to my account in order to verify my information and discovered that i could not locate ANYWHERE on the website the terms of the promotional agreement. It is also nowhere on my statements. I called and spoke with XXXX representatives, an initial customer service rep and then a supervisor, and was told that that information is not available anywhere on the website or my statements and that they could only verify the terms verbally. I requested an email or some sort of written documentation and was told that they were unable to provide that to me. My concern is that they have the promotional end date as XXXX XXXX, XXXX, which is 6 months later than what I have. I would like the full benefits of my original agreement, but as I am sure you understand, I am not comfortable taking their word for it. I have made notes as to names, dates, and time. My request for help is that I receive some written documentation of the agreement. My question is, How is what they are doing even legal?
I beilve I have been impacted by the hard inquiry glitch issue that has been affecting transunion, I have made numerous attempts to have these inquiry 's removed from my report as to I have not inquiried for the credit there stating I did, I have no gave my consent for these company 's to inquire credit on my report, I have listed below the inquiry 's that were fraudulently placed on my credit file XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX CBNA/sears. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX
NOT A DUPLICATE COMPLAINT. This is in response to recent mail dated XX/XX/XXXX and received XX/XX/XXXX. Equifax has been ignoring my disputes, which is an FCRA violation. I know this because I have been disputing incorrect, conflicting information on accounts and violations on accounts ; YET, Equifax keeps sending me " results '' stating this item belongs to you. Since I've just disputed the fact that a collection account is ILLEGALLY REPORTING A PAST DUE and all you send me is the same generic 'we 've verified that this account belongs to you ' message, that makes no sense whatsoever! Furthermore, please tell me how this same account reports a " date of first delinquency '' in XX/XX/XXXX, TWO YEARS  BEFORE THE ACCOUNT REPORTS TO BE OPENED ON XX/XX/XXXX and not one human being deletes this account for such a blatant violation! The other two accounts I'm disputing have TWO DIFFERENT, CONFLICTING " ACCOUNT OPEN '' DATES ; yet, for these two accounts as well, I got the very same generic " ... this item belongs to you '' message when that isn't even what I was disputing! Equifax has proven that it has not read nor properly settled my disputes! I called a day ago and spoke with a rep who even stated to me that they send the creditors alerts to do an investigation. THAT is what Equifax considers to be their own investigation, which is no investigation at all! Look up the call record on my file! To help you all find it, I even submitted a dispute into false and extremely outdated addresses on that same call. I've attached the disputed accounts, as well as my ID & SS card in a document. PLEASE EXPEDITE THIS DISPUTE.
Chase bank issued me Chase Slate and Chase Sapphire Visa credit card accounts a year ago. At the same time I had Best Buy Visa credit card by XXXX XXXX. XXXX XXXX increased my limit over the time, but Chase Bank denies my right for credit line increase over time and by doing so denying credit tp customers. Having hard position not flexible. I was once told they randomly pick 10 percent of account for review. It is every single one of us 's rights for account review and credit increase over time. I paid back in good faith because I believed Chase lend in good faith. Never missed a payment, no late payment, no delinquency, ... They deny me credit by not increasing my credit over time. That 's crucial because It is essential to maintain 30 % or close to 30 % balance to credit limit ratio for best credit score practices ... I had not submitted credit limit increase application for hard pool for my Best Buy Visa credit card by XXXX XXXX for credit limit increase yet they did increase my limit over time. Chase insists and says The only way for them is we ask for and submit hard pool inquiry application to put inquiry in our credit report which credit inquiry removal is costly $ 30+ per inquiry removal. They lie because they are account issuer, at any moment they have ability to look into my credit report and see what is inside. I do n't buy their XXXX. I reserve the right to print this complain submitted and go to court against Chase whom their Executives do not get back to customers upon phone call complain and we have to fax or write a letter to them as the only way for them to hear our voice and to get back to us. They deny credit by refusing to increase credit limit over time to customers. I may very well stop paying back and escalate issue for court complain or arbitration or settlement if they do not soften their position. I am confused and I am thinking about my rights and options. The rate they have approved me for credit cards are rates they approve bad credit people not good credit people. I had XXXX score when I applied. Even they approved for auto loan at 8.9 % and XXXX dealership approved me 1.9 % They get outsmarted by others all the time. Chase Bank is abusing us. Please help ... Executives should be reachable by customers request from customer service or managers and get back. It is not customer 's job to earn their business. Its the bank 's job to earn customer 's business.. They have to be brought to justice for doing this to respectful US citizens whom deserve to be treated with dignity and respect not denying credit and being ignorant and negligent against them ...
All of my inquiries were removed on my transunion report, then they were put back on. sent in multiple disputes to the credit bureau ( transunion ) but they will not remove them.
I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. 
HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in XXXX my financial situation change due to my Mother XXXX done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe {$89.00} and I pay XXXX monthly for the mortgage.
I am lodging this complaint because Experian has refused to adhere to my request of providing me with the documents that they have on file that was used to verify the accounts that I disputed which in my eyes has not been properly verified and according to Section 611 of the FCRA they are required to delete any information that can not be verified that I disputed. Please resolve this matter as soon as possible. Thank you
I have a credit card balance and an overdraft priviledge balance due. I had XXXX 7 months ago that went bad keeping me out of work. The XXXX first at XXXX and then switching numbers at XXXX started robo calling 3 and 4 times a day including today, Sunday, during church services, since XX/XX/XXXX of this year approximately 3 months and 9 days non-stop. No live person from XXXX called. All auto dialing carefully designed to vexate and upset the debtor with endless calling harassment.
My home in XXXX XXXX Florida was declared a disaster area after Hurricane Irma. As such I was able to take a 90 day forbearance and was explicitly told by the lender, Ditech, that I would have no negative marks made against my credit. During the forbearance I sold the home and the mortgage was paid off in its entirety on XX/XX/2018. I entered into contract on a new home purchase today and when my credit was examine my score had dropped from XXXX to XXXX. The very same day I went under contract Ditech reported I was 90 days delinquent on the account. I am now unable to find the loan due to the huge impact their mistake had on my credit. PLEASE HELP!
Portfolio Recovery Associates repeated calls my home telephone without leaving a message and after a cease-and-desist letter was sent. A certified letter with return receipt was receive by them on XX/XX/2015 to cease calls to my telephone. On XX/XX/2015 @ XXXX I received another call from them. This call became illegal the moment they dialed the number.
I have reviewed my Credit report and found several account unrecognized items from your officeXXXX XXXX XXXX # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
On XX/XX/2016 at XXXX charges were made at a XXXX store # XXXX in XXXX XXXX. I live in the state of XXXX. The first charge was for XXXX @ XXXX, the second was for XXXX @ XXXX. The last purchase I made was at XXXX at the XXXX XXXX XXXX in the town where I live in XXXX. When I found the fraudulent charges on XX/XX/2016 I immediately called and reported them, and I disputed the charges, and cancelled my card. Direct Express refused to put the funds back on the card even though they seen the charges were made in Ny. But still wanted me to dispute them which they say takes XXXX days. I called on the XX/XX/XXXX, they had no record of me disputing the charges! So I had to start the process all over again. This is my XXXX check, and my account is drained. They tell me there is no phone number to talk to the people who investigates fraudulent charges nor is there a corporate number to call. Something is n't right with this company.
On XX/XX/XXXX, I received my credit file from Equifax/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and Equifax Confirmation number XXXX.Equifax investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX XXXX and is now called XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX Michigan for auto repair and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from Equifax as well as XXXX and XXXX   , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that Equifax, XXXX and XXXX should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my Equifax file and she stated that the closing date is not in their system but the last activity XX/XX/XXXX.I know this account is more than 10 years old.Therefore, equifax investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.
On XXXX XXXX, my office ( Home Loan Alliance Title ) initiated an outgoing wire from our escrow account held with Chase Bank. The wire we requested was for {$100000.00}, sent to XXXX XXXX XXXX. This wire was to pay off a current mortgage lien. 14 days ago, when we initiated this wire, the funds were deducted from our Chase account by Chase and showed completed. Yesterday I was notified by Chase the wire was not sent to the recipient, XXXX XXXX XXXX. It was instead held for review and Chase now needed further verification in order to release the wire. It 's been held for14 days without notification and as of today Chase still has not released the funds. When Chase contacted my office yesterday I was transferred to a couple different agents within their company for assistance but none who could resolve the issue. XXXX XXXX was one of the agents I spoke to and she verified there were no errors in the account information enter on the wire. She also provided a reference number ( XXXX ) regarding the wire issue and stated I would receive a call back. The next call I received was from XXXX XXXX with Chase. He stated the Chase compliance department needed information regarding a third party ( XXXX XXXX ). Not understanding why and XXXX inability to explain, I requested to speak to someone in the Chase compliance department and was told XXXX XXXX would contact me. I am still waiting on that call. Meanwhile, trying to get this urgent issue resolved, I 've since emailed several others people within Chase and spoke to XXXX who is at our local branch and XXXX XXXX from another department. Both calls ended with no resolution and that someone will contact me. 
As of right now, Chase is still in possession of the {$100000.00} and the loan the wire was intended to payoff is accruing additional interest and fees. 
The way our account and this issue is being handled by Chase is not only extremely unprofessional but also negligent.
BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.
AS OF   XXXX   XXXX   I WAS INJURED AND IN THE HOSPITAL, TALK TO CAPITAL ONE AND THEY SAID THANKS FOR THE CALL AND I TOLD THEM, OUT OF WORK FOR A LONG PERIOD OF TIME.. THEY SAID THEY WOULD WORK WITH ME AND I SAID OK..  ON   XXXX   XXXX   XXXX   -- THEY SENT ME A LETTER AND SAID PAID {$88.00} BY   XXXX   XXXX   AND I TOLD THEM THAT WAS NO WAY AT THIS TIME..I DID TELL THEM THAT I COULD PAY A BIGGER PAYMENT LATER IN THE MONTH, THEY SAID GREAT.. SHORTLY AFTER THAT I SENT ALL OF MY PAST DUE AMOUNT TO THEM..DAYS LATER I CHECK TO SEE IF THEY RECEIVED MY MONEY AND THEY SAID YES AND INFORMED ME AT THAT TIME MY ACCOUNT WAS CLOSED AND THEY WERE NO LONGER DOING BUSINESS WITH ME..I HAD THIS ACCOUNT FOR OVER 8 YEARS AND NEVER LATE..I WOULD NOT HAVE SENT MONEY WITH THE THOUGHTS OF THEM CLOSING MY ACCOUNT. THE COMPANY IS CAPITAL ONE AND THE LAST FOUR OF THIS ACCT IS --  XXXX  -- -MY INFO IS   XXXX   XXXX   --   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , FL  XXXX   XXXX  -- -- THANK YOU
I have been cheated into higher payments due to blatant disregard and the criminal activities of XXXX and subsidiary company, Navient Solutions