WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.
I was a truck driver but now im on XXXX due to my XXXX XXXX and Sessoms and Roger are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from 2007. I have papers now that Sessoms and Roger are about to take me to court for. a letter has been send to them stating I am on XXXX.
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I work in a XXXX XXXX XXXX and I am constantly getting calls after telling them to quit calling my work and me. 
I receive 2 calls on my cell phone and 2 calls at work in the morning and then 2 calls on my cell phone and 2 calls at work in the evening. That is a total of 8 calls  from the same company in the same day and this has happened for the past week.
I received a letter from a stranger stating that US Bank sent a letter to him that was meant for me. Being a bank they know how important it is to protect an individual 's account and being a recent victim of identity theft this really alarming. Please find that I 've enclosed all necessary documents so you can see how careless this company is. No wonder someone who stole my identity was able to open an account in my name with this bank.
I had a car loan with consumer portfolio services I got behind on the payments and talked to them about it. They told me that they would work with me and I could defer 1 payment so we did that I thought, they never deferred the payment. I thought it was done. XX/XX/2016 they repossessed my car.I had a lot of personal things in the car. THey would not and still will not tell me where my personal belongings are. I have called email left messages no response.I call get voice mail they call back at a time I specifically tell them I will not be available and leave messages like I wasted their time having them call me. I have a list that was sent to them several times of everything in the car and no response I 'm sure my things are long gone by now but there was personal mail with personal info on it too. I think they should replace my things and if they are gone compensate me for my belongings.
Citi Bank division Card Services issued me a Citi Prestige Credit Card. Benefits of the Citi Prestige were to reimburse expenses to purchase up to {$100.00} a XXXX XXXX XXXX. 

Went to Global Entry Web site ( XXXX ) and purchased the XXXX. 
XXXX charges were made : 1. US Customs - {$50.00} on XXXX XXXX, 2016 2. US Customs - {$50.00} on XXXX XXXX, 2016. 
Both charges were done through XXXX web site and permission of Ciit Customer Service. 

Citi Cards Services has FAILED to reimburse me per the Citi Credit Card Prestige promotion and not I lost {$100.00} in unplanned and unreasonable expenses. 

Citi Card refuses to respond to my complaints after 7 phone calls and 5 emails on this topic.
Customer Service XXXX. XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX This letter concerns account # XXXX XXXX XXXX XXXX. Cardholder name is XXXX XXXX. Address is XXXX XXXX XXXX, XXXX, Illinois. Any additional cardholder information can be provided on request by calling XXXX. 

For the XXXX billing period, the amount owed on the account was {$22.00}. The due date was XXXX XXXX. Payment was sent on time, but, probably due to the XXXX weekend was not recorded until XXXX XXXX. The delay in payment, at the very worst was one day. If the payment had had been recorded on XXXX XXXX, the balance on the account would have been XXXX. Instead, a late fee of {$24.00} was assessed ; this late fee is in excess of 100 % of any amount owed ( but paid ). 

Upon contacting customer serve, representative number 1, insisted that the assessed late fee was correct and adhered to policy. Representative number 1 could not explain precisely how {$24.00} was calculated. She was more concerned with explaining the loss of rewards if the card were cancelled. I asked for a supervisor. After XXXX minutes a representative from XXXX came on the line. Interestingly, she could not help with the TJ Maxx account. 

Representative number 2 was similarly as confused as Representative 1. Instead of reading the late fee policy aloud with me, in order that we might both begin to understand it, she transferred me to a supervisor. The supervisor promised to resolve the problem by agreeing to eliminate the {$24.00} fee. 

The purpose of this letter is : 1. To make certain the {$24.00} fee is removed from the account 2. To notify the appropriate governmental agencies of the excessive late fee policy. 
I am still curious how the amount of {$24.00} was determined. 

Thank you for your time and effort. I look forward to hearing from you in the near future. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT
I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.
Reporting wrong information to credit bureaus as far time of debt and last payment made is from XXXX when I lost my job account opened in XXXX. They are reporting account opened in XXXX XXXX so it will stay on my credit report and a recent payment made the last payment made XXXX XX/XX/XXXX.The debt is time- barred and harassing phone calls more than XXXX a day.
I have been making payments on both my federal and private loans for the past almost two years.y private loan is at a variable rate which recently increased from a 10.25 % to 10.75 %. I was told on XX/XX/XXXX that it is based on a prime rate but was given no clarification as to what that means. I also have had over the life of these loans been charged {$10000.00} in capitalized interest when the original total disbursement amount was {$19000.00}. I was told this will acrue when a forberance is in place. However I have had this posted to my loans while making payment. For example XX/XX/XXXX I had {$4600.00} in capitalized interest and XX/XX/XXXX another {$400.00} this all while making auto withdraw payment. Also through the life of these loans when I could n't make payments on the amount they required me to, I was told my only option was to go in a forbearance. I was never offered a low payment plan. While my co-signer was in bankruptcy which has been up until a year ago, I did n't even have access to my online account. I was told I was blocked due to my co signer having a bankruprcy on the account. I have had numerous conversation with reps from navient with no resolve. This has been extremely frustrating my balance since XX/XX/XXXX to present date as only gone down roughly {$200.00}. I have been making payments in the amounts of $ XXXX-XXXX monthly. I have also had late payments attached over the duration of the loans hanging in dollar amounts of {$2.00} - {$12.00} will I 've been making payment or while I was in forbearance. Im seeing help in lowering my interest rate as well as resolving these issues. I get no where when I call navient. I felt as though I will never get these paid off.
I lost my first job in  XXXX  and was put on a modification since I had found another job that paid {$10000.00} per year less. After months of working with PHH my mortgage company we worked out a modification. After  PHH  took my last payment during my modification they did not apply it to my account in time, even though they received it in time. I filed a complaint and that was rectified. I then had to do another modification, after months working with them, we set up a modification. I was then making my payments when I lost my job on  XXXX / XXXX / XXXX . I asked what to do and was told to refile for modification. I did and was turned down stating I needed to do a forbearance. I refiled stating forbearance and received a letter on  XXXX / XXXX / XXXX  that I inadvertently checked self employed instead of employed. I could not afford to fax anymore so I corrected it and mailed the correct copies. I did not hear anything so I called and spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me they never received it so she gave me the email address. I resent everything via email. Then I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me he never received the email. It appeared I received the wrong email address so I re mailed it that day. On  XXXX / XXXX / XXXX  I get a letter from an attorney representing  PHH  stating my house is going on the block for foreclosure on  XXXX / XXXX / XXXX . I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who said he will make sure they have everything since that day is the deadline. No where in my letters was there a deadline mentioned and I worked as fast as I could to get all the information needed to PHH. I then spoke to  XXXX   XXXX  who stated it  may  be too late but he could not guarantee anything and will have  XXXX   XXXX  or his manager call me on  XXXX / XXXX / XXXX  when it will be too late. I am  XXXX   XXXX   XXXX  and  XXXX  and this is how PHH treats people? I am actively looking for a job even jobs not in my field so I can get employed.
I have a huge problem with my Citibank payment. My FICO score dropped over XXXX points due to " miss payment '', which, is totally not my fault. First of all, I set up automatic payment for my account at the very beginning. Second, I have been having difficulty logging into my Citi account on my mobile app, as well as online. So when I tried to check and pay my monthly bill, I simply had no way to access anything. Plus, Citi closed all its branches in Pennsylvania, and this is where I live, so I can not go to any local offices to solve my problem, but to call their hot line. Third, after I got through the hot line, the representative said that the reason why I could not log in to my account is they sent me another debit card before without letting me know, and, I do not understand why they sent me a new card. Anyway, I did not receive the new card, so I have been unable to log in to my account. This led me to miss my payment, and they blamed it on me. The week before last week, I tried to pay my bill over the phone by giving my authorization ( last XXXX digit of my checking account ) to the representative to take money from my auto payment checking account. And I was confirmed that the payment was successful, so I guess they have my correct payment information. But today when I called Citi again after I found out I lost over XXXX FICO score because of the " miss payment '' ( absolutely not my fault ), the explanation they gave me was the auto payment did not go through. I found this extremely unacceptable, because they used the same payment account to pay my bill the week before, and it went through. But, they refused to cancel the report of my miss payment to the credit union. I have been trying to solve the problem for almost three months, but I still can not login to my Citibank account, I still can not make any payments on my own, and, because of which, I lost over XXXX FICO scores.
I lost my job in XX/XX/XXXX during my maternity leave. By XX/XX/XXXX, we were falling behind on our mortgage payments with Pacific Union Financial , LLC. 

We started the application process for a loan modification through their Loss Mitigation department in XX/XX/XXXX. We continued to check in on our application and submitted and re-submitted paperwork as needed. During this time, we continued to receive certified letters from the lawyers about our house going through foreclosure. However, we thought our loan modification would stop the foreclosure. As of XX/XX/XXXX, our application was under review by the underwriter, and I was informed we would hear back soon. 

On the morning of Friday, XX/XX/XXXX, at XXXX, cars lined up outside my home, and the house was auctioned off as my young children and I sat inside. I called Pacific Union as soon as I realized what was occurring, and I was informed that our application was denied on XX/XX/XXXX, and a letter was mailed to us to let us know. We had not received the letter, as letters from Pacific Union typically arrive XXXX days after they are dated. The reason for the denial was listed as insufficient debt-to-income ratio. They denied our application, and we were not given sufficient time to stop the foreclosure from happening. I asked to speak to a supervisor, and hours later, one contacted me to just say that they sent me a letter, and thats all they could do. 

Furthermore, when the denial letter did arrive from Pacific Union, one of the reasons were denied Type I Special Forbearance was that I was listed as no longer unemployed. This is not true. I specified that I am looking for a job, but I never indicated that I had found employment.
Suntrust issued two lines of credit using my identity in the amount of {>= $1,000,000} and {>= $1,000,000} Forgery by XXXX XXXX XXXX The first line of credit of {>= $1,000,000} was issued by XXXX, XXXX, and XXXX XXXX from XXXX XXXX on XX/XX/XXXX The second line of credit of {>= $1,000,000} was issued by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX from XXXX of my son XXXX XXXX XXXX
Dear Sir/Madam, I had a Citi Diamond Preferred credit card probably since XX/XX/XXXX approx. I went into financial problems in XX/XX/XXXX, and my debt at that time was for $ XXXX- {$15000.00} approx. Citi and I went into an arrangement where I have to pay the total of the debt with no interest for the entire term of the debt. We arranged a payment of {$250.00} per month with automatic withdrawal on the XXXX of each month. Even though I went over financial difficulties, I paid the credit card on time every single month for {$250.00} on every XXXX-XXXX of the month. XX/XX/XXXX, I changed my bank account ( XXXX accounts are XXXX XXXX XXXX ), and I forgot to inform Citi about this change, so when they withdrew the funds on XX/XX/XXXX, there were insufficient funds. Citi called me on XX/XX/XXXX, and I provided to them immediately my new bank information, and they were able to withdraw the funds ( {$250.00} ). After few weeks, I received a letter from City dated XX/XX/XXXX, where they informed that the payment arrangement has ended. Later I received my statement and noticed that Citi charged 27.99 % ( APR ) on this debt ( today the balance is only {$3000.00} - as of XX/XX/XXXX ). 

I called Citi today XX/XX/XXXX and Citi confirmed that the arrangement has ended and there is nothing they can do to reinstate the arrangement, and instead they will charge on this credit card 27.99 % APR. The employee that I spoke to was XXXX, Account Manager of Citi located in XXXX, Florida. As a courtesy she credited {$78.00} for one time ; however Citi will continue charging on this account 27.99 % APR. 

My complaint is based that Citi can not consider an arrangement breached because of a delay in the payment for 10 days that was unintentional. 

Sincerely, PC
I was putting in my credit card information online for a room at the XXXX for XXXX XXXX ( in 6 days ) when I saw the offer for the XXXX XXXX XXXX Credit Card in which it showed the following offer : {$100.00} Price for Stay - {$100.00} Statement credit = {$5.00} *Total after statement credit. 
*Price for stay and statement credit may post on separate statements After inputting my information, A window popped up stating, You have been approved for a {$15000.00} credit limit and You will receive your card in 7-10 business days. Because the offer implied that If approved for the card, I would be able to pay for the room on the card and then after the first statement, I would receive {$100.00} credit. Now, it appeared that I could not actually book the room with the card. I immediately called XXXX and after explaining the situation and waiting on hold several times, I was told, This is not through XXXX, it is through Chase and I was given 2 separate phone numbers to try ( XXXX and XXXX ) after attempting to speak to a person on the first number and being disconnected because I couldnt provide a card number, I was able to speak with someone at the second number. After hearing my situation and consulting her supervisor, she was apologetic, but told me that, while the credit card was through Chase, the actual offer was through XXXX and I would have to call them back. I called back the XXXX number ( XXXX ), where the agent put me on hold for 1-2 minutes while she looked into this. The next person who picked up the phone told me that I had been transferred to Chase credit card services ( who I had just hung up with ). After almost 2 hours of explaining the situation to customer service and supervisors at both XXXX and Chase, I was told that I would receive a call from an Escalation Agent within 24 hours. This morning I received a phone call from XXXX at Chase Apply by phone escalation team at XXXX XXXX XXXX ). XXXX told me that the room needed to be in my cart in order to receive the offer. When I explained that I was in the process of paying for the room ( entering my XXXX XXXX XXXX card number ), therefore the room was obviously already in the cart when I clicked to apply for the card. She then told me that the math is just for illustration purposes, showing what you could save if you used the card to pay for the room. She was sorry, but my card would arrive within 2 weeks. I told her that this felt like false advertising and that I had been tricked into applying for a credit card ( and whatever associated decrease in my credit score for applying ) which was now useless to me. 
She said she was sorry and asked if there was anything else she could help me with. I told her that I would be reporting this fraudulent advertising.
I can not believe Equifax Solutions, They have the worse customer service and they are reporting for the Business. I found out that they are reporting commercial card that is not mine on my Business Profile as Delinquency 5 times and wo n't give me the company name or number. The account number or the balance on the account do not match any of my credit cards or loans. This is a error that stop peoples bank from getting me funding. I ask to speak to the supervisor XXXX to find out why I can not find out more about this account by becoming a member online. The supervisor told me they will charge you {$99.00}, but you will only get a summary of your account, but it still wo n't let you know what company is reporting that information so I can contact them personally to resolve this issue. XXXX also said you have to wait 10 days for your credit report by mail before I can do a dispute. XXXX said because of there policy if I do n't have the credit report we can not give you any information on this account. Then I told XXXX that is why I ask to open an account online so I can access my report right away. So I can resolve this myself because this is a error because I do not have any accounts that match what they are reporting. I am so disappointed in this Equifax Business Solution reporting agency. They aloud a company to report of my Business profile, and charge company to see their profile but if there is a problem there is no way to contact the company who is doing that making it a scam. On my personal credit account with Equifax I have access to all my accounts company name and contact number. Why would Equifax not do the same for the business makes nosense, They should not be charging or reporting on business if they going to be onesided. This is my business they have no right reporting false information and not giving me the company that is doing and saying it is not there fault it is there policy. This is stopping me from getting funding and it could take up to 60 days when I could have resolve it right away by getting a letter from the company to give to peoples bank so they can give me a past on this error. And also do a dispute right away base on the information that is clearly on my report. Error like these can take me out of business. Small business need funding. I attached the email from peoples bank showing the account from Equifax business solutions.
In XXXX, XXXX I contacted Wells Fargo because it appeared that they were not applying my payments correctly, bi-weekly as they were paid. They explained, they were not obligated to do it that way, but in the future they would draw down the payment amount from my bank account themselves and credit anything over the amount owed to the principal on the house. At this point, I forgot to stop my automatic payments I had initiated fro my account, so Wells Fargo was receiving over twice the amount I owed them each month. Instead of applying it towards the principal, they used it as a pre-pay towards my future months dept. I contacted them today to explain the error and they stated they could only rework three months of their error. This seems as if its against the intent of the prompt payment crediting regulations. They had my instruction ( which is recorded ) to apply any extra funds to my principal. I would appreciate if you could help me resolve this issue.