WillisBack/dataset-financial-user-claim huggingface dataset:
The first bill statement that was not received was at XX/XX/XXXX. After this it happened again on the Month of XX/XX/XXXX. I did not receive the bill statement before the due date. I made the payment on XX/XX/XXXX and received the bill statement of XX/XX/XXXX with a different minimum payment due because the XXXX bill statement came late. XX/XX/XXXX bill Statement I paid on XX/XX/XXXX ( By the way all the payment is made around day XXXX and XXXX every month. ) On XX/XX/XXXX I spoke with XXXX about the fee and she told me that she refunded the fee ; however, I just got today the XX/XX/XXXX bill statement with the Minimum payment due more than {$42.00} for the error that I did not do. The XX/XX/XXXX bill statement came late and Synchrony bank is blaming me. It is not right and it 's unfair. Today I spoke with XXXX and later with XXXX. XXXX said she will do it a courtesy to remove the fee. It is not a courtesy ( DID NOT RECEIVE THE BILL STATEMENT ON TIME ) and I asked her about the Minimum payment due of {$42.00} ; she said she can not do anything about it. I believe the American people and I need to get the bill statement before the due date. I will continue to make the payment of {$42.00} until I get an answer by authorities.
I WAS THE EXECUTOR OF MY FATHER 'S ESTATE.A BANK ACCOUNT WAS OPENED # XXXX.I WANTED TO FIND OUT WERE THE LAST CHECK FROM THIS ACCOUNT WAS DEPOSITED.I GOT A COPY OF THE CHECK BUT THE BACK IS ILLEGIBLE.I HAVE A RIGHT TO KNOW WERE THIS CHECK WAS DEPOSITED.
On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
On or around XX/XX/XXXX I contacted Cardmember Service @ XXXX to question how payments would be applied to my balance transfers ( I  have multiple ) because there was one that was set to expire XX/XX/XXXX ( approx.  balance of {$1600.00} ). The representative ( a women 's voice, but I did n't write it down ) stated that if I make a payment that it would pay off that balance transfer set to expire XX/XX/XXXX and anything above that would be applied to the balance transfer set to expire XX/XX/XXXX. I called today, XX/XX/XXXX ( after  reviewing my statement ) and realized this was not a true statement. I called Cardmember Service again and spoke to a women ( again I did n't catch her name ). She was telling me the same information and I continued to tell her that was not how the payment was applied. She needed to place me on hold twice before she stated that the way I was told the first time was incorrect and that if I made a payment more than the minimum anything above would be applied to the latest transfer I made and not the one set to expire. Had I been told that it XX/XX/XXXX I would have continued to make the minimum payment and made my larger payment once myXX/XX/XXXX transfer expired ( so they could charge me 10.24 % ). The lady stated there was nothing else she could do for me without me obtaining fees so she transferred me to a supervisor. Once the supervisor ( XXXX ) answered I needed to tell my story again and the only answer I received was that I could not have called in XX/XX/XXXX because it was not documented in their computer and I was never given miss information and he offered no help/solution. I work in XXXX XXXX and I am very familiar how this works. I stated that and told him I in fact called and was given information. He still offered no assistant other than because his computer stated I did n't that I could not have called and received this information.
I have a business credit card through Citibank, a Citibusiness AAdvantage Platinum Select Card. My last statement balance was {$750.00}, and I paid {$700.00} on the due date of XXXX/XXXX/15 ( no disagreement on payment due date or date received ). I was charged interest on XXXX/XXXX/15, in other words 10 days after payment, on the month 's average daily balance, rather than the unpaid balance of {$50.00}. And almost exactly the same situation occurred last month ( with a similar charge ). 

This {$11.00} charge is in addition to the {$100.00} annual fee I pay, and the ~2 % fee paid by merchants. All other credit cards I have charge interest on an unpaid balance ( not the average daily balance across the whole month ), and I find this practice of Citibank 's to be i ) an unusual, illogical, and frankly, greedy attempt to create fees and ii ) unfortunately in keeping with Citibank 's reputation of aggressive and opportunistic ( fees ) behavior.
I am going to attach a copy of the investigation request my wife and I sent to Equifax on XX/XX/XXXX. Over thirty days have passed, and we have not yet received a response.
I opened a Suntrust bank account online that had a promotional offer this past summer. I was never able to log into the account online or activate the debit card. I was told in order to do both and needed to go to the branch. I informed them I am XXXX and unable to go to the branch. I was then informed no exceptions could be made. At that point I told them to close the account then. Months letter I receive a letter in the mail stating the account I never used was now {$15.00} overdrawn.
The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).
Have called Citibank about 2 weeks ago to trace two payments from my account to a third party who claims has not received these payments. I spent more than 30-40 minutes on the first occasion trying to resolve the issue with a phone representative who promised I would receive a notice within 48 hours with the results of the payments trace. When I requested a name, representative id or reference number for our call, the representative could only offer me her first name, but promised me that a record of our call would be logged onto their systems for referral in case the I did not receive the notice promised. More than 2 weeks later no such notice was received. 
I just called again to follow up on this request, speaking to a new representative by the name of XXXX ( she declined to provide me with any other information, including a representative id, or extension number ), who could not find any reference to my previous call and thus had to initiate a new identical request as the previous one, again consuming more than 40 minutes on the phone. Once again, she declined to provide me with a reference number, representative id number of extension number, only saying that she would put a trace and that I should receive a notice within 48 hours. 
Most other companies I have dealt with generally offer a reference number after a customer call, together with a representative id number, so that the issue can be traced back if not resolved adequately. 
Citibank 's process for resolving customer matters requiring follow up are either severely deficient out of organizational incompetence, or more cynically, purposely designed to avoid leaving an accountability trail that could lead to regulatory actions. 
I believe that this matter deserves your attention as it is clearly abusive of the banks customers, as well as possibly abusive of the regulatory process, by designing a system that results in the hiding of these types of issues from regulatory oversight.
I attended XXXX University from XXXX 2015 to XXXX 2015. Navient repeated states that they can not see the loan in XXXX, stating that they need a paper proof of attendance to give in school forbearance for that period. I printed off the only copy available on their site & the school completed it and sent it in. Daily calls continued and at least XXXX I have provided this information. They state that a federal form was provided but the representative from Navient can not find the private form they say is required on their site. 3 weeks ago, they said they would put in my Navient correspondence inbox. They have now put delinquient notices, and I have told XXXX callers, I need the form they require & they did not provide it, nor could they show me how to find it on their site.
Hi, I sold my house on  XXXX / XXXX / 17  and the title company overnighted the certified check for the payoff amount to the lender and the lender received it on  XXXX . However, the lender returned the check due to their system error. After the title company received the returned check, the title company had to wait a few days to clear the check. on  XXXX  before    XXXX   XXXX   ( eastern  ), the title company wired the payoff amount again. However, the lender took care of it on  XXXX . Thus, I had to pay the additional 9 days interest of {$270.00}.
Zions Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have had a credit card with Wells Fargo since approx XXXX. Sometime in XXXX I was attempting to add an authorized user to the card. I went to remove this secondary individual and was advised by Wells Fargo that I could not do so without closing the card. I never added the person as a secondary card holder - only as an authorized user. I have been contacting Wells Fargo about this issue since XX/XX/XXXX. I was assigned a case manager XXXX and she was suppose to follow up. I haven't heard from her in over a month. I have asked over 15 times to be provided copies of documents that prove that I added the person as a secondary card holder - not just as an authorized user and I have been told on many occasions that the documents will be sent to me. They have never sent me any records. I just recently THIS week received a letter from Wells Fargo advising that they identified that the secondary card holder was not enrolled in the rewards program and they were going to add the person. The other person never made a single transaction on the account. The card/account were solely used by myself. I am taking full responsibility for the balance and Wells Fargo refuses to remove the other person despite not showing me any proof that they should continue to exist on the account in the first place. I contacted Wells Fargo through XXXX on XX/XX/XXXX. They called me today and the person that called said they would need to get the credit card executive team on the line and to please hold for 1-2 mins. I stayed on hold for over 20 mins before hanging up in frustration. This is not the first issue I have had with Wells Fargo yet I continue to try to give them the benefit. I am done trying. I have no reason to believe that they didn't add the person as a secondary fraudulently to boost their sales numbers as I know they have received previous allegations of.
I called Chase XXXX XXXX card phone number to submit a credit card dispute. The representative had trouble understanding me and enter incorrect information on the dispute. I requested to talk to the department supervisor named " XXXX '' at their XXXX XXXX Office. I ask " XXXX '' to send me a formal chase credit card dispute application so I can put everything in writing and they will not be any misunderstanding. XXXX refused to send me such application. I asserted my right under Fair Credit Billing Act and ask XXXX to send me the application. He again refused. He said he can not send me dispute application to my address because the dispute can only be handled via phone and they can not help me with the dispute based on my verbal answers to the representative even though I told him the representative had an English accent and can not understand my XXXX.
I periodically receive 3 phone calls a day that when answered just hang up on me. Any time i try to contact the company to resolve the issue i am ignored and hung up on. 
the number i am getting the call from is XXXX company is XXXX   XXXX  XXXX  in Massachusetts
Hello, I leased a XXXX XXXX XXXX through XXXX  XXXX on XXXX XXXX, XXXX. I now have 4 payments left on the lease. The car has broken down twice, the first time on XX/XX/XXXX. The car just stops dead with a check engine light on. Both breakdowns occurred on a busy road and the car was almost hit several times. I picked up the car the first time on XXXX XXXX. The car lasted 2 days and broke down again. The car is still at the dealership 2 weeks later. They do not know what is wrong with it, nor is there any communication from the dealership with updates. I have requested that the dealer release me from the remaining lease so I can get another vehicle. I owe only 4 payments and requested waiver of the early termination fee. They will only do so if I purchase or lease another vehicle from them which I will not do because the customer service is nonexistent there. The lease holder, XXXX XXXX offered no assistance. I am expected to continue to make payments on a car that is not usable. When I requested a loaner car I was not assisted and needed to call XXXX XXXX XXXX XXXX to secure a vehicle. I have had to do this twice. I have a rental car bill of {$470.00} to pay for this first car and I am incurring another bill for the second car which is adding up every day. I have lost 2 days off from work because of this also. I need this terminated with no negative effect on my credit rating. The local dealership I used is XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX : XXXX or XXXX. The address I have for XXXX XXXX is XXXX. XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX Thank you for any help you can provide.
Bought a home with gateway mortgage company. The home needed few repairs .Was given a XXXX loan and {$31000.00} towards repair .Gateway give the contractor to us even when we refused the contractor they insist we have to have repair done by recommended contractor. Contractor got money no repair done up to now ripped home apart has not comeback and got money from gateway has not get the job done.we have no place to cook for our kids and we already paid one month mortgage and still no contractor.
Included my mortgage loan in my Chapter XXXX BK and I walked away from the house eventually. According to the BK law, Carrington Mortgage should not be reporting notice of defaults to any database that will pull my credit for another mortgage loan. They are violating the BK laws and I want them to be held accountable as well as delete my name and social security number out of these databases, immediately!
I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.
my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me.
When I was shopping for a personal loan, I was offered a personal loan/line from WELLS FARGO for up to {$100000.00} at an Interest rate of as low as 9.24 %. With near perfect credit score of XXXX ( according to XXXX ) and over {$70000.00} in IRAs. I also have land valued at over {$300000.00} and a house ( being built ) valued at over {>= $1,000,000} ( when finished ). I currently only have 1 outstanding debt, a truck loan that I got at 0 % interest. All payments have been on time. 
I was recommended switching some or all of my direct deposits to WELLS FARGO, and starting a checking account, which I did. 
I showed up with tax returns, XXXX, etc. 

WELLS FARGO countered with {$30000.00} at over 12 %. 
A BATE AND SWITCH. 
Their reasons/excuses 1. Our credit was too low. XXXX? ( WELLS FARGO has XXXX with XXXX ) 2. Not long enough credit history. I have had continuous credit since XX/XX/1970, I have had car loans, mortgages, credit cards and dont know what else. 
3. Portion of loan balances to credit limits on revolving accounts too high. Again all credit cards are paid off monthly, leaving a XXXX balance. 
4. Too many accounts with balances. I have one loan ( truck loan ) because it has 0 % interest. Original loan {$40000.00}, paid down to current {$12000.00}. All payments on time. 
I tried to discuss and resolve the issue in person with no results. 
The fact is it is a BAIT AND SWITCH! WELLS FARGO IS A FRAUD!
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

XXXX XXXX
on XX/XX/2018, i sent Transunion a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The address that need to be removed are- XXXX XXXX XXXX , XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX , XXXX  XXXX Va XXXX My name is XXXX XXXX the names to be removed are XXXX XXXX and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.
I recently had several experiences with my XXXX XXXX Visa card, which explicitly says and is marketed as having no foreign transaction fees, that indicate something like a foreign transaction fee is being charged. What is actually happening is that Chase Bank and Visa ( and XXXX XXXX XXXX are complicit in allowing XXXX to mark up exchange rates so that the rate applied to a purchase in a foreign currency, when exchanged into dollars, is about 2.5 % higher than the rate that would be used if actual market-based exchange rates, published daily from, say, the XXXX XXXX XXXX, were applied. In my case, Chase Bank says they just go by what Visa uses and thereby allow Visa to mark up exchange rates by about 2.5 %, in my experience. In doing this, Chase and XXXX perpetrate the misleading, nay bait and switch, marketing they use to encourage people to get their " no foreign transaction fee '' credit cards ; indeed, the 2.5 % markup, though not billed as a foreign transaction fee, merely substitutes for such a fee because this extra 2.5 % should not be charged at all. Card holders are not unreasonable to assume, and Chase and Visa do not transparently disabuse us that, we will be receiving a market-based exchange rate ( with no additional markup ). In trying to talk with Chase ( who talks to Visa while XXXX sits idly by ), there is no way to get this situation corrected. Moreover, this hidden foreign exchange fee is in direct oppositon to a related class action suit that the credit card companies lost and paid dearly for several years ago. Finally, I ca n't believe I am the only person experiencing this situation.
Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX
I paid a personal check into my bank of america checking account on XX/XX/2017 for {$2100.00}. This check was from a trusted account and I pay in two checks per month from that account for various amounts - never had a problem, nothing has ever bounced. Their account and my account are in good standing. So imagine my shock to see on the receipt that an 'extended ' hold had been placed on my deposit for THIRTEEN DAYS. Almost two weeks! And no standard {$200.00} available allowance given. Nothing. So I called the bank and was told that there was nothing they could do until the overnight processing had happened and they had a picture of the check, so I should call back the next day. 
I called back the next day and was told that that information was incorrect and in fact there was no way to get access to my money before then. It was essentially being held ransom for two weeks.
I of course asked why, I was told that due to many fraudulent checks being paid in to Bank of America, they had decided to change their policy. 
So - two questions for you Bank of America : 1 ) If you changed your policy so significantly why did n't you let your customers know? A heads up would have been nice. I would never have paid that check in if I knew it would take more than 2-3 days to clear. 2 ) Why is my account, with zero bounced checks, and me a long standing customer of this bank, being punished for what is going on in other people 's financial lives? Surely this should be on an account to account basis? 
So now I 'm left without my {$2100.00}, I 'll likely be late on my rent and receive a whopping fine, not to mention other bills due on or after XXXX XXXX that I 'll now not have the money for. I expect reimbursement for these fines caused by Bank of America 's shoddy service and I want my money released ASAP!!