WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards.
in XXXX  2016 I reported my card stolen ... XXXX XXXX XXXX said and I quote., the banis the victim..XXXX was taken from my card, In store camera shows the people that took my money off my card at a XXXX XXXX in XXXX ca. and I was told oh well..im XXXX  and that was my rent money..now I'm still XXXX, and I feel cheated..i was a victim of these people and no one was punished and I wasn't reimbursed..my dispute was denied 3 times when I was stole from and I feel that is wrong ...
XXXX XXXX XXXX we paid XXXX XXXX and XXXX {$2500.00} with our Capital One credit card ... XXXX for a rental vacation home in XXXX XXXX, rental to be used XXXX XXXX XXXX XXXX XXXX upon arrival, the home was filthy, no clean linen, towels, dirty dishes stacked full in the sink. We called their support people, and they came with apologies next day and cleaned up. 
We complained and XXXX XXXX and XXXX assigned us compensation for {$200.00}, credited to our card on XXXX XXXX. 
XXXX XXXX we had no power nor water, a pump had broken and the owner kept the pump locked in a garage, nobody had keys. It took 2 days, with us driving around hunting for the people who could fix the problem. 
We sent complaints to XXXX XXXX and XXXX, via their online message system, w/o ever receiving a reply. 
We then filed a dispute w Capital One, they based on the reasonable dispute, credited our account {$250.00} on XXXX XXXX XXXX. They requested details, so we sent their filled out complaint form, on XXXX XXXX XXXX On XXXX XXXX XXXX Capital One billed our account for {$2500.00} again w/o any basis for the charge. Upon my complaint they discovered the error and offered to correct it They corrected it XXXX XXXX by crediting us w {$2200.00}, not {$2500.00}. 
I contacted them twice, and they are firm in that {$2200.00} is the correct reimbursement, their last letter ( enclosed ) stating that they meant to bill us for {$250.00}, not {$2500.00}, and that was the reason for the {$2200.00}. 
There was no reason for them to state that the " correct bill '' was for {$250.00}. There was no item we ever purchased for {$250.00}. 
If they are withdrawing the credit for {$250.00} which they made on XXXX XXXX, they can only do this if they have information, which they have not shared with us, from XXXX XXXX and XXXX, proving that our dispute had no merit. If had plenty of merit. 2 days in a rental beach home w/o power or water is fairly good cause for dispute/redress. 
The {$2500.00} bill of XXXX XXXX was an error, and it should be credited to our account in completeness. Very simple math, and very simple principle of honest trade policy. 

Let me state clearly : I do n't care about the {$250.00}, I just want XXXX XXXX  and XXXX to provide compensation for a bad service rendered under one of their contracts. 

Capital One claimed that our dispute ( XXXX XXXX XXXX ) was filed outside of the window for claims ( original bill was XXXX XXXX XXXX ) The service was not rendered until XXXX XXXX XXXX, and we have been complaining since then. On XXXX XXXX XXXX we had no way of knowing that the house facilities would be so broken down Capital One disputes address : XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX, Utah XXXX
XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED
I am not sure this is the right place to do this but XXXX XXXX credit card reported a late payment for my credit card bill. it was not late. They have done this multiple times ( I actually quit using them for over a year due to issues with them ) but I gave them another shot and they XXXX again. I could not get onto their site to pay. I made contact with them and was told I would be contacted to pay the bill and no one ever called back. I kept calling and trying to logon unsuccessfully. When I finally got someone who would help me, it was past the due date. I explained the situation to them and they apologized and were supportive and removed the late fee but had already reported it on my credit score. It should n't be there. It is not a legitimate late payment because their site was down. They have notes on my file to back this claim. I want it off of my reports, all of them. It really hurt my score!
I was out of work due to illness out on FMLA which was unpaid I called XXXX XXXX XXXX  spoke with rep who agreed I could update make payment on a later date and they would not report as a 30 day late payment because I did have credit life and XXXX insurance I checked my credit report today and XXXX XXXX XXXX has reported my account 30 days late to all three bureau after agreeing not to
There is a Hard Inquiry in my TransUnion record on XX/XX/2017. It was done by " XXXX ''. I did n't authorize anyone to check my credit reports. I do n't know who this company is. Can you investigate what happened and possible get it removed fro my history? 

Thank you.
Credit Bureau of Bessemer continues to attempt to collect a debt that has been paid in full. My debt was paid on XXXX XXXX XX/XX/2015. I owed {$58.00} for a dental visit charge that exceeded insurance payment. Credit Bureau of Bessemer was paid {$58.00} plus a {$5.00} phone/debit card processing fee for a total of {$63.00}. It has been greater than 90 days and Credit Bureau of Bessemer is still reporting the collection on my credit file and is still attempting to collect the debt. This is illegal and immoral. Credit Bureau of Bessemer Should be fined and audited.
There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??
Company failed to provide adequate information that this loan is in fact mine. They have no chain of custody proof, no validated signature, lack of information proving my responsibility on this loan. They have failed to respond to the attached letter and sent a template reply without any additional information requested.
On XX/XX/XXXX I bought XXXX LTC off of Coinbase which equaled {$440.00} USD, on XX/XX/XXXX I received an email saying that my transaction was canceled and if charged ( which I was ) the money would be redeposited into my bank account within 3-4 business days. It is now XX/XX/XXXX and nothing has happened, I tried to email Coinbase multiple times and never heard anything back from them other than what seemed to be an automatic response saying that I would hear back from them soon, which I have yet to.
I have a credit card debt that was settled since 2009. A judgement has been recorded. I have a satisfaction letter but Portfolio refuses to record the judgement satisfaction. I have told them that I was in the middle of selling my home and that I could not because of the lien recorded. They refuse to give me a timeline for when this can be resolved.
I am writing in reference to my history of payments and what is being reported or what is present on my statements, which contains a wide range of discrepancies according to my bank records and what is being reported. I am wanting to come to a resolution of the issues as they present and the continued calls on a monthly basis which was portrayed in the beginning as following BAC transfer back in XX/XX/XXXX and Nationstar Mortage, LLC stated that terms of my loan would not change. This is false and deceptive practice as according to my records and their records they are charging me unknown fees, taking more out of my escrow and can not explain where my escrow is placed I always seem to be short according to them. They are engaging in deceptive practices by calling me daily this month of XXXX and prior to that I was told that they were to cease all communication efforts, quite confusing and frustrating. I was current according to my records as of XX/XX/XXXX however they state on their records from XX/XX/XXXX report I was XXXX past due, then XX/XX/XXXX stating I was XXXX behind when in both months a payment was made XX/XX/XXXX of XXXX, XX/XX/XXXX XXXX with no reflection of where my difference was placed then your statement reflected on XX/XX/XXXX I was past due XXXX I then paid XXXX on XX/XX/XXXX which was to bring my account current, I am wanting some assistance in addressing this matter ASAP as I apparently am still in collection status which is not acceptable when a payment of XXXX was made in XXXX and no explanation of fees over the course of the time they have taken over my loan it was not a new loan but a transfer from XXXX XXXX XXXX and I have my statements from XXXX and transaction history.
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have one? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Debt collector never sent me a letter saying my bill was with them. I found out after calling XXXX to make a payment ... I had no written notice from anyone, and they never gave me the option to dispute it. Had I known, I would have disputed it. When i contacted them to resolve the debt, i then found out that they would charge me an additional fee on top of every payment I made. So I went back to XXXX and asked to pay them instead and made payments over the past year until the debt was paid in full. But in the meantime the debt collector, diversified collections inc, submitted the information to my credit report. All because I chose to pay XXXX to avoid extra fees. XXXX said because there was an error in reporting that they would get the account returned to them and ask to have it deleted from the report. But diversified wo n't comply. They said they will only update it, even though they no longer have the account and that it 's still active. 

Because of their unfair practices they have tarnished my credit. Now my chances to buy my house when my lease is up in XXXX 2017 will be slim.
I have a loan that was transferred to BSI Financial in XXXX 2015 ... 
In XXXX I called and spoke to them as my taxes were due and faxed them the tax bill per their instructions so the bill would be paid on time. It is now XXXX and my taxes still have not been paid.. Also I sent my XXXX payment on XXXX/XXXX/2015 through by bank bill pay and they still have not cleared my check. In XXXX they cashed it with in 2 business days but this month have not. If you read online about this company all the horror stories are about taxes/insurance not being paid and lapsing and not cashing payments and then turning around and collecting late penalty charges. I also lost out on my tax deduction for my property taxes for 2015 since they were not paid in 2015 harming me on my deductions.
On XX/XX/XXXX, I received a letter from the XXXX  stating that I was late with a payment ( I have never missed a payment with this company ) and my credit limit would be decreased due to the late payment. I spoke with a XXXX  Representative on XX/XX/XXXX regarding resolving this matter and to explain why my credit limit was decreased due to a late payment and also to have this unfair marking taken off my credit score. I explained to her that I was a XXXX  on a fixed income trying to purchase home and how this was unfair and effecting my credit score. I do not and did not request an increase in credit. I keep my accounts in excellent standing with XXXX XXXX  

The Rep. then provided me with the Consumer Resolution address and directed me to write a letter requesting for this to be removed from my credit, stating that my accounts are in excellent standing with their company and she ensured me the issue would be resolved immediately.

I drafted a letter to resolve the credit report issues and my concerns, stating the above-mentioned concerns and mailed it on XX/XX/XXXX. I HAVE NEVER received a response back until today XX/XX/XXXX. I received a letter that my credit limit was decreased AGAIN due to my credit score. NOT a delinquent late payment or any negative marks on my account.

I called today ( XX/XX/XXXX ), spoke to the resolution supervisor XXXX  ID : XXXX which had difficulty explaining why I did not receive a response back from my first letter, why this particular XXXX XXXX Card was being unfairly penalized ( decreased in limit ) and not the other six cards I have with this company. I explained to this representative my goals for this call was to have these marking removed from my credit report because this account and all six accounts with XXXX  are in excellent standing. I have never missed a payment with any of my accounts and I have XXXX balances with other accounts with their company. I explained that I am a teacher and I am currently in the process of buying a home and these unfair reports are impacting my credit score dramatically. He directed me to send a secured email through my XXXX XXXX  XXXX account sating the mentioned concerns. I explained to him that my letter did not get a response why would an email be any better? I needed someone to explain why a customer with perfect payment history with this bank being treated unfairly? As a consumer, I am doing the right things such as keeping my accounts with this company ( NEVER missed a payment ) in great standing and paying my bills on time why am I being punished for doing the correct thing?
Capital One Auto Finance is reporting a repossession on my credit report that is inaccurate, false, and a violation of the Fair Credit Reporting Act. I have sent multiple disputes in to dispute the entire account to insure proper information is being reported. I have a feeling that some of the information is being listed incorrectly. 

1. The balance of {$8800.00} is not accurate. 
2. The date of last status XXXX is not accurate. 
3. The charge off amount of {$10000.00} is not accurate. 
4. The account history of is not accurate. They are reporting - Repossession as of XXXX XXXX ; Charge Off as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX ; 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXTherefore, this information is not accurate and until they can prove it, then it is also a violation of the Fair Credit Reporting Act.
These two accounts was to be removed due to the age of the account. This account is past 7 years old. By law, u can only have a debt on a credit report for 7 years. Please remove both the following. 

XXXX XXXXXXXX XXXX Acct # XXXX to be removed XX/XX/2018 XXXX Acct # XXXX-Was to be removed XX/XX/2018 2018
On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {XXXX Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw XXXX from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew XXXX and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.
for the last three years I have had on time mortgage payments in anticipation for getting a new mortgage. However, in XXXX 2016 I had a late payment that made my mortgage go 30 days past due. The reason for my past due status does not accurately depict my credit worthiness. I had been banking with XXXX XXXX XXXX for years and had automatic payments set up to make my payments on time. XXXX XXXX got bought out by a new bank which caused my automatic bank payment to not go through. I had to manually make a payment on my cell phone. This was too late by the time I found out my payment was behind it wasl already 30 days passed due, all because my bank was bought out. I have bank records showing and verifying that at the time my mortgage was due I had the money to pay the mortgage it was just in my other bank account with XXXX XXXX XXXX XXXX. I have reached out to chase to see if they could do a good faith removal and they refuse. I think they are acting unreasonably. My missed payment was not carelessness or neglect. I had the funds to make the payment, my bank was bought out by a larger bank. I was ready to pay, I had the money to pay, I had even been making additional payments on my mortgage and interest all year long and Chase refused to take that into consideration. It would mean the world to me for this one time late payment to be removed as it is adversely effecting my ability to obtain any kind of loan to help grow my small business.
I am very confused. Many years ago I put complaint with  XXXX  now Navient and I knew they wer misinforming me. Also, corrupt practices on interest calculation. I was so   XXXX   and felt I had no choice or options. Now I am on social security and can not afford the payments. I have been extremely misinformed over many years. The interest calculatios are fraudulent and corrupt. They need to remove some of this interest.
In  XX/XX/XXXX , my husband and I applied for a loan with One Main Financial located in  XXXX   XXXX , MD. Since having the loan, we have made a numerous amount of payments on time and when my husband was laid off, we requested to have our loan deferred . One  way or another, since having this loan, as of  XX/XX/XXXX   , only {$1000.00} has been applied to the principal and the representative said that if we paid in full today, our total balance due would be {$13000.00}. We borrowed {$15000.00} a few years ago and have made payments totaling over {$7000.00} since having this loan. Our balance should be significantly lower especially since we have paid a significant amount during the tenure of this loan. In speaking with several r eps at One Main, they were unable to explain why an enormous amount was going solely to interest EVERY month. We are in the process of pursuing a civil lawsuit against One Main if the funds that we have already paid is not applied promptly. This issue has been brought up previously and have remained unaddressed by One Main.
Starting in XXXX XXXX, I noticed my USAA checking account ending in XXXX was suddenly in the negative ( over {$1500.00} ). I had not made any large purchases to create this negative balance. I spoke with USAA who informed me that my account was negative due to multiple {$800.00} transfers ( deposits ) coming from an external account I did not authorize -- an external account which had been closed with no activity for over 2 years. USAA claimed that the external account was nicknamed " XXXX, '' however, this name is unfamiliar to me and I have never nicknamed any account " XXXX. '' These {$800.00} deposits all bounced in my USAA account due to NSF ( non-sufficient funds ), but strangely, these bounced deposits resulted in an {$800.00} debit to my account every single time without any obvious transactions showing withdrawals of these NSF deposits. USAA was confused and could not provide evidence of where the money went FROM my account, despite my repeated requests. The bank also refused to close my account during the fraud investigation, resulting in a final negative balance of {$5500.00} ( {$790.00} and {$4700.00} ) when the account was closed on XXXX XXXX XXXX. 

I am not trying to gain any money out of the situation. I have stayed in constant contact with USAA since the first moment I noticed the fraudulent activity on my account, however, as shown from the attached timeline, USAA has repeatedly refused to give me the account statements and other documentation, denied me access to USAA online to reconcile my account, discontinued business with me, and otherwise acted unprofessional and unwilling to help me rectify the situation. After speaking with a XXXX XXXX Legal Assistance attorney, and with USAA refusing to work with me, I am left with no choice but to file a CFPB claim for assistance. The NSF money that was transferred from the closed account to my USAA account, thus bouncing, was not my money and I did not authorize the withdrawal transactions. I would like for my account to return to normal status and the situation to be over. I greatly appreciate any help that you can give!
I have XXXX complaints. XXXX lowered my credit limit on both accounts from {$5700.00} and {$4500.00} to {$2300.00} and {$1900.00} based upon incorrect credit usage from XXXX. This caused affected my Fico score. It appeared has my credit usage was higher based on XXXX lowering my credit limit. XXXX XXXX XXXX and XXXX is showing higher credit usage by XXXX each. I have disputed with Experian.