WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Phone : XXXX XXXX XXXX Sub : Complaint against Citibank for nullifying my check by mixing of refund of credit balance with standard purchases, a discriminatory and retaliatory action against me by Citibank. 

To : The Chairman, CFPB Dear Sir : A check was issued to me by the Citibank on XX/XX/2018 ( check # XXXX ) in the amount of {$66.00} as a refund of my credit balance. Before issuing the check the Citibank added this amount on XX/XX/2018, to the total of my standard purchases ( of 8 items, which comes to {$360.00} ), and thus increasing the total of standard purchases or charges from {$360.00} to {$430.00}, please see the row item purchases +XXXX under the header of Accounts Summary. You may also see this on XX/XX/2018 billing statement already sent to CFPB in XX/XX/2018 in pursuant to the case of Conditional credit, and is also shown below for quick reference : This action by the Citibank has nullified the check, issued to me on XX/XX/2018. Citibank must reissue a new check to me for he amount of {$66.00}. Because of discriminatory and retaliatory action by Citibank against me, I was forced to close my Diamond Preferred account, which I had been keeping, for last 24 years. 

Regards, XXXX XXXX XX/XX/XXXX STATEMENT ( Billing Period : XX/XX/18-XX/XX/18 ) Minimum payment due : {$0.00} New balance as of XX/XX/18 : - {$140.00} Payment due date : XX/XX/18 Accounts Summary : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Previous balance - {$360.00} Payments - {$0.00} Credits - {$210.00} Purchases + {$430.00} Cash advances + {$0.00} Fees + {$0.00} Interest + {$0.00} New balance - {$140.00} Trans Post date date Discription Amount _______________________________________ Payments, Credits and Adjustment -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX 's XXXX : - {$140.00} XX/XX/XXXX Refund Credit Balance : {$66.00} XX/XX/XXXX Citibank Conditional Credit for Dispute : - {$68.00} Standard Purchases : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX XX/XX/XXXX Reverse XXXX *XXXX XXXX XXXX : {$68.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$24.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX : {$3.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$15.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : {$40.00} XX/XX/XXXX XX/XX/XXXX XXXX  : {$16.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$140.00}
Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in
I had a XXXX appointment on XX/XX/XXXX. I was contacted by United Consumers , Inc. in XXXX via mail stating that I owed four payments of {$28.00}, {$310.00}, {$81.00}, {$42.00} respectively. I contacted the company and was told the debt was for said XXXX appointment. I then contacted the XXXX who reported that the charge had long since been paid off, first by me and the outstanding balance by the insurance company, and that the last two charges were erroneous. I reported this to the company and told them to sort it out with the healthcare provider. 

I received another mailing on XX/XX/XXXX for the same charges and when I called ( took 4 calls to talk to a representative ) I was told that the XXXX had said the charges are still in effect, in direct contradiction to what was told to me. In addition, none of the charges listed above are reflected by the original co-pay statement of my insurance. 

I believe that this company is attempting to force collections on non-valid debt despite their knowledge that the debt is void.
I borrowed {$600.00} from XXXX XXXX and repaid almost {$800.00} in prinicipal interest and fees. They are now claiming that I owe an additional $ XXXX+ in fees and I believe it is unfair practices and predatory to require these additional monies.
Back on XX/XX/XXXX I received an XXXX Scholarship thru XXXX XXXX for {$1000.00} and since I graduated already I wanted it to be applied to be student loans. I called my lender at the time and made sure that it would be applied to me loans. I was told over the phone that as long as it was received by the financial institution that it would be applied to my principal. I received confirmation back on XX/XX/XXXX thru a phone call from XXXX that it was received by my lender. I continued making payments like I normally do all XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX comes. Mohela tells me thru a call that they received a {$1000.00} credit on my account and I am paid to far ahead and payments need to stop. I didn't not want to stop my payments. I NEVER missed a payment. I was confused and told them it was a mistake and I didn't make a {$1000.00} payment on my account. Then they said it was from XX/XX/XXXX. I laughed at them and said they had to be joking. I explained above and they said they couldn't do anything about it. They didn't tell me anything about collecting interest daily on my account. When they sent me the following months bill that was due under total interest due it even said {$0.00}. I had not knowledge that anything was due nor did I have an amount to send them. They are the ones to tell me that I was paid to far ahead from XX/XX/XXXX-XX/XX/XXXX which is ridiculous in the first place. Then when my payments finally started coming out of my bank again after about 6 months again I paid closer attention to my student loans then I did before. In the past it said on my statement the total due was XXXX and now my total due changed and it says XXXX. So I called Mohela and asked them about my total due and they gave me some strange answer that makes no sense to me because in the end they said I still owe XXXX even though my billing statements say XXXX?! I also started to notice that after 4 to 5 months after repaying my loan after this happened all my payments were going strictly to interest only. Nothing was applied on principal for almost 1 year. I was calling and messaging them and complaining and I kept getting the same answers. There was nothing more they could do and that I was paid ahead. 1 year of XXXXmo payments for applying a {$1000.00} scholarship to my loan back in XX/XX/XXXX!! Its not worth it. I was better off not taking the scholarship.
I have hundreds of dollars of charges on my credit card from Venmo ( a digital wallet company ). I had never heard of Venmo. The charges are not mine. 

I called Venmo at XXXX XXXX XXXX XXXX. They would not help me at all, and said I should contact my credit card company.
Hi, I 'm a Citibank customer. They offered saving promotion which you deposit Requirement : {$25000.00} minimum and then you would get {$700.00} Savings Bonus after 3 months. 
So I applied for the promotion online around in mid-XX/XX/XXXX. 

Then after around 2 months, I called Citibank and asked about the reward. The customer support told me that it is not 3 months yet and told me to call back later and gave me the promotion code. Promotion code : XXXX. Then around 4~5 months time, I called in again and asked why I have n't received the money. Then the customer support told me because many people applied for the reward Citibank has to gather the money and distribute all the money at once and asked me to wait. 

Then in XX/XX/XXXX, I called in again and asked why I still have n't got the reward. This time Citibank told me I do not qualify for the promotion so I that is why I have n't got the money. I told them why I 'm not qualified, I kept {$25000.00} in the saving account. They told me I did n't deposit the money during that promotion time and was deposit before. Then I asked them, then why did n't you tell me the first time I called the customer support. This is the 3rd time I call and you are telling me I do not qualify after all these months. Why did n't tell me the first time? They blamed on the previous customer support and I was furious. 

This is really bad business practice and a dishonest bank.
I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on   XXXX   XXXX   XXXX  . They (  XXXX   XXXX   XXXX   XXXX  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX   management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged  my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  hundred  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road .     So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.
I deposited {$400.00} cash and a {$1400.00} personal check to a new-ish ( more than 30 days ) checking account. They mentioned there could be a hold, but I did n't expect them to CLOSE my accounts ( due to " suspicious '' activity or unverified funds ). Calling the fraud department, going into my branch and waiting over a month have yielded a return of some of the funds, but they say they will hold the {$1400.00} until they can " verify funds ''. The payer 's bank says they will do that over the phone if asked! More than a month later, they still have the funds.
I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX in the amount of {$4600.00}. I have disputed this account with the company and also with  Experian, XXXX and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.
I was aware of an overdraft that I did and was charged {$36.00}, not once but 3 times, when I called the bank they said I had bounced XXXX charges, XXXX of them was after I made a deposit and was credited {$100.00} to my account until the check cleared ( 24 hours ). I had brought my account to a positive balance. After looking on my online bank statement there is no documentation showing I was ever in the negative. They just apologize, said there is nothing they can do. End of story.
XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP
I was using the Equifax website to perform a temporary lift on my frozen credit. After filling out the required information and submitting it, the company 's site timed out while processing my credit card information for their required XXXX dollar fee. I then used their customer service line to check if the temporary lift had gone through. The customer service rep, who said her name was XXXX, told me that the temporary lift had gone through but that I had submitted multiple times ( she later said 2 or 3 ) and, thus, I had been charged multiple times for that XXXX temporary lift request. I had only submitted the info once before their system went down. Thus, they have overcharged me because of a problem with their online system. No one there at the Equifax customer service could refund me the charges made in error by their organization. I now have to submit documentation of the billing charges and give reasons as to why they should refund me the charges they erroneously made even though they already confirmed the multiple charges. Further, they only accept a faxed letter as there is no physical address or email address for their refund department. Needless to say, I am irate at this company for a poor website that overcharged me, customer service which can not help me, and a refund process that is set up to disincentive anyone attempting to get a refund of money that they are owed!
I got an advertisement from Chase about opening a XXXX brand credit card. The offer was to get bonus miles if you spend a certain amount on the card. So I applied and spent the minimum, but now they 're refusing to honor the agreement. They claim I was under a different offer with a higher minimum. Never was this disclosed! they did a fraudulent bait and switch to induce me to sign up for this card under false pretenses
I disputed the XXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX  The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} XXXX XXXX. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, IL XXXX
XXXX is not correcting inaccurate information on my statements. A supervisor previously acknowledged there was an issue, but they now they deny there is a problem. I entered the information provided in statements in a spread sheet. It is attached. Notice that the amount I am supposed to pay each month for easy payment promotional purchases is not the actual amount applied to each item. I have been making at least the minimum payments every month. I can not balance my account until the issue is corrected.
Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. 

Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. 


Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
As of this moment in time I do n't have specific dates but on multiple occasions I have been deceived by how many individual loans there are, how much is being payed toward each one, how the accounts are setup, then when I call in and set up my auto payment I am told one thing then another and after setting it up I have to still call back again and again and again to make sure they are processing the payment. Once payment processes it still does n't happen the way it was set up ... the consistent misallocation of funds and waistling of my time ( can only call while at work otherwise they are closed or you have to talk to someone who does n't understand what your explaining ) has stressed me out and caused my patience to drop to below zero. This company is a horrible representation of banking, loans, and customer service! As of this moment in time I will have paid 5x ( or more ) the original inception to pay off these loans. And only 8 years in! All because they misallocate or lie and deceive you so that they make higher profits I.e. Repayment of 150 % or greater. <P/>If you or anyone you know has Navient as their provider I am truly sorry and I hope that you can get out from their tyranny
XXXX XXXX financial is illegally reporting a line item on my credit, since they are REFUSING to accept payment. Any creditor listing a line item on a credit report, must offer a means of satisfying that debt, to the EXACT ENTITY name listed on the credit report. If they WANT A 3rd party to be paid, they must HAVE THE 3rd party list the line item, with the option to also list an ORIGINAL CREDITOR. It is illegal to not offer a solution or repayment method, while listing a line item on someone 's credit. I have attached a recorded audio file, of XXXX XXXX refusing my payment attempt.
I believe TCF bank submits items in an order that creates additional overdraft fees. I have several examples I can send in the next few days. My account has been overdrawn due to my own behavior, but I believe they have exacerbated the problem with unreasonableXXXX overdraft charges. I call them every month and they forgive a few but the next month I see charges moved around which creates additional overdraft fees to the tune of 100 's of dollars this year alone.
I have a XXXX mortgage on my principal residence for {$130000.00} originated in XX/XX/XXXX by XXXX XXXX mortgage as an interest-only loan with a 10.25 % interest rate. XXXX XXXX was purchased by PNC Bank in XX/XX/XXXX and they have been the servicer of my loan since then. I am not currently in a hardship but am unable to refinance my loan because there is approximately {$120000.00} in negative equity in my house. I have spoken with every department within PNC and noone is willing help. My monthly interest-only payment is {$1100.00}. I have paid a little more than {$100000.00} in interest as of now and still owe {$130000.00}.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXXXXXX XXXX Dear Sir or Madam, RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from the XXXX credit reporting agencies, I noticed inquiries made by Springleaf Fin Srvcs, XXXX XXXX, XXXX GA XXXX Phone : XXXX Since I have not, authorized anyone employed by your organization to make an inquiry personally or via the internet, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 
I 've a credit fraud alert attached to my file and have not been notified of such an inquiry. 
If this was an attempt to obtain services or credit, it was fraudulent. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX