WillisBack/dataset-financial-user-claim huggingface dataset:
There ar e   XXXX   a ccounts left with Central Financial Control.  XXXX  for  XXXX  and   XXXX  f or  XXXX .     I was in the hospital   XXXX   XXXX   to my eldest son when these debts would have occurred. Being a  military  wife, and my son being the son of  a service member,  was covered under  XXXX . I was admitted under emergency circumstances and did not know the   XXXX   information. My husband had to get off work ( still in his  military uniform )  to come to the hospital. It was clear we were  military and  were not ask for our billing information again until we left, which we left our  XXXX  information with the lady that came in as we were packing up to leave.     We never received a bill from the hospital.     When I contacted Central Financial Control about a bill for {$1000 .00} ( approx ), it was   deleted. BUT the company NEVER said why in the letter. I had to call to which a representative spent abo ut 15 minute s having to read to find out why.     It was deleted because NO ONE ATTEMPTED TO SUBMIT TO MY INSURANCE.     I thought ok, well it is now almost 6 years past the time and I can not resubmit as my husband is now no longer  XXXX   XXXX , that should mean the oth er   XXXX   accou nts ( {$70.00} and {$8200. 00} ) should bot h also be deleted.     I got a letter back today stating that I still owe and that no informatoin was provided. It w as a military town,  every nurse in my  XXXX  room saw my husband and I have photos to prove it. I have NO PROBLEM sending my husband  's military records to prove we had insurance at the time.      Furthermore, i f one bill had never been attempted to be submitted, why would the other   XXXX   have been?      It is not my fault if the billing agent at the time of my discharge did not file the paperwork my husband filled out and thus properly charged  XXXX .
I paid and mailed my Cap 1 Mastercard bill of {$76.00} on or about XX/XX/XXXX. I used check XXXX ( check copy attached ). I got an email on XXXX that my payment was late. An online check revealed that CP 1 had charged me a {$25.00} late fee and {$21.00} in interest for a total of {$46.00}. I tried calling that day but the voice recording said their offices were closed ( note : I live in Hawaii so there is a time zone difference ). I called CP1 on XX/XX/XXXX and rep. XXXX told me that they had only gotten the check today. I asked if they could waive all fees and interest and XXXX   told me they could only waive the late fee of {$25.00}.

I paid the bill on time and there is no indication that it was lost in the mail and for all I know the check could have been on a pile or misplaced at CP1. I have never been late before and it does not seem fair to have to pay {$21.00} interest on a balance due of {$76.00}, Capital One should reverse all charges ( {$46.00} ) as they did receive the payment, which was mailed on time. Additionally, I am a customer in good standing and never late.
I believe I may be involved in the Equifax security breach on XXXX XXXX. I will set up a fraud alert to be placed on my social security number.
My social security number was used to open a credit account. I contacted TransUnion to put a fraud alert on my credit file and had to listen to a 2 minuet recorded advertising message to purchase their credit protection services at {$11.00} a month. This is absurd. I had to listen to the entire recorded message in order to get a confirmation that they had put a 90 day fraud alert on my account. They were able to hold me hostage at a time were I felt very insecure about the identity theft that happened to me. I ca n't even imagine how many people they are able to scare in to purchasing this service from them.
To whom it may concern, I notified my banking institution ( Bank of America ) on XX/XX/XXXX of fraudulent activity on my personal checking account that occurred between XX/XX/XXXX and XX/XX/XXXX. Someone was making XXXX Transfers out of my account without my authorization. I placed a freeze on my account and opened a new account with bank of America. One week later, I found the same charges happening and placed another freeze on my account. A claim for both fraudulent charges was made on XX/XX/2018 and XX/XX/2018. It wasn't until XX/XX/2018 that Bank XXXX XXXX notified me that they were denying my claim and has yet to notify me in writing that this happened. It was only because I went to my local branch to inquire that I found out this information. The claim was denied on the basis that the money was wired from my account using an IP address and email that was consistent with previous transactions. 

Later that day, I sent proof to the claims department that my computer was hacked and someone illegally took money ( {$20000.00} ) from my account. It wasn't until XX/XX/2018 that the bank confirmed that they received the documents I send on XX/XX/XXXX. I am now being told that they have until a date range of XX/XX/XXXX through XX/XX/XXXX to make a further decision on my fraudulent charge. In the interim, I have bills to pay including my mortgages of which that {$20000.00} was to pay. 

I am unable to speak to anyone at the bank that has any real knowledge of what is going on and I am not even certain that I have provided enough information to prove that I was hacked. I am not an IT manager so I really do not know if what I gave them is suffice. 

Every time I call them, I get the same answer that they are working on it and they will not provide me with the required credit after 10 business days as outlined in their own procedures because they are claiming that the claim was closed by being denied and their clock starts over. 

I have provided everything that I think I need to prove my case and every day that goes by is another day that data gets lost within my system. Not only was my identity stolen, my computer system hacked and my personal property taken from me and my family but now I get to wait 30-45 days to see if Bank of America has enough information to even get to the next step.
I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. 
I dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and " pocket '' this credit.
I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX3, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXXXXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
We paid our mortgage for the month of XX/XX/2018 ON TIME, however, Equifax has it listed as 30 days late.
On my credit report with XXXX it 's showing I have a debt in collections with XXXX of {$100.00} which I do not that information is incorrect.
On XX/XX/2018 {$1400.00} was taken out of my XXXX XXXX account using my card info at a XXXX machine in XXXX, Ca, over the course of 6 transactions, which I did not authorize and I had the card itself in my  possession the whole time. I submitted my claim to XXXX XXXX and they denied it basically blaming me for the theft, that I gave someone my card and the pin # to someone. I have never even been to XXXX as far as I can remember and gave no one any authorization. I sent them the police report That I filed with the XXXX, Ca police department a copy of my card and a claim form they asked for and they denied my claim based on the fact that I must have given the Thieves my card info. I sent in a 2nd appeal letter in on XX/XX/XXXX to the compliance department on XX/XX/2018. I called back during the week of XX/XX/XXXX - XX/XX/2018 and was told they had no information on my request yet. Yesterday XX/XX/XXXX I called again and was told They never received my appeal letter so this Time I was told I should have never sent it by mail, which I was told by them to do so on XX/XX/2018, so I faxed it in Yesterday XX/XX/2018. Please see all my supporting documentation which I have attached. I would appreciate your help in resolving this matter with XXXX XXXX, the detective at XXXX Pd said They use skimmers and cameras to get info and pin # and that 2 Years ago they found a skimmer and a pinhole camera at that same location, found Dna on the skimmer and were able to catch the culprit. XXXX XXXX are the ones that recommend using the atm '' s located in the XXXX XXXX. XXXX Pd say that their is a crime ring that likes to use those Atm '' s because they have no cameras and that the skimmers are almost undetectable and that the owners of the store '' s really do not pay attention to them because they are not Theirs. I have relayed all this info in my appeal to XXXX XXXX ( attached ). I did nothing wrong and for XXXX XXXX  to blame me for the theft is outrageous. Thanks for your help.
To whom it may concern : I have applied for the American Express XXXX XXXX XXXX credit card onXX/XX/XXXX and got approved with a {$6000.00} line. Earlier today ( XX/XX/XXXX ) unexpectedly I noticed that my other American Express Bluecash Everyday card that I have been using since XX/XX/XXXX has got a line decrease all of a sudden from {$12000.00} to {$6700.00}, so I called American Express customer service right away. Throughout my conversation with them, it seems that when they approved my XXXX XXXX XXXX card application, they allocated {$6000.00} of my XXXX XXXX card line to the new card, and the only option to increase the line for my XXXX XXXX card is to apply for a credit line increase. This is the problem. First of all, there was absolutely no communication/notification to me regarding the line decrease/credit line allocation between the two cards in any forms after I was approved for the new card. It 's not only a question on credit card line strategies but also a customer service issue - I feel that I was n't fairly treated with my right to get notified regarding the credit decisions that the credit company is making. I understand that credit line decrease is usually communicated before being implemented and it usually has negative impact on credit bureau profile. Secondly, as much as I want to have the new card, I want to have sufficient spending limit on my XXXX XXXX card, and the sudden decrease is certainly not helpful on this front, and has affected my upcoming spending plans. Last but not least, customer service transferred me from one department to another during our conversation without providing much helpful information regarding what the possible solution is for this matter. When it comes to a " final conclusion '' that I need to apply for a credit line increase, I feel it 's beyond unreasonable as they cut the line without telling me in the first place, and by applying for credit line increase, they will have to pull my credit again without any guarantee that the line is able to be increased back to the level it was. To summarize, it was a fairly disappointing experience with American Express, and hope that the issue could be further addressed to them and resolved in a mutually-beneficial way. Thank you very much.
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
My home was seriously damaged by remnants of Hurricane Harvey on XX/XX/XXXX.  SunTrust Mortgage will not release the remaining funds to me, even though all repairs have been paid in full. 

My SunTrust Mortgage number is XXXX. The Tracking claim number assigned by SunTrust is XXXX. 

I have had 15 phone calls with the SunTrust claims department in order to secure the release of my funds. The dates and names are available on request. 

SunTrust has been holding my final insurance check of {$5200.00} since XX/XX/XXXX. The final repairs were completed on XX/XX/XXXX and paid in full. 

SunTrust claims that they can not release the funds without an inspection. Although no such inspection was required to have funds released with the first {$18000.00} of repairs, they insist it is a requirement as a government sponsored enterprise. 

I have asked repeatedly to speak to someone who could tell me what government agency, law or regulation imposed the requirement. No one could give me that information, and I was actually told that speaking to someone higher up would not help, I would get the same answer. ( XXXX on XX/XX/XXXX ). 

Nonetheless, I went ahead to follow their procedures. 

I submitted a request for an inspection on XX/XX/XXXX. 

I checked on the status of the inspection on XX/XX/XXXX ( XXXX XXXX ), and again on XX/XX/XXXX (  XXXX ). Both assured me that the inspection would be scheduled within their time frame, 2 days to process, 3 to schedule, 2 days to get results back. 

I checked the website on XX/XX/XXXX since the inspection had not occurred. It said the inspection was cancelled on XX/XX/XXXX. 

I called on XX/XX/XXXX ( XXXX ) and was told that the notes claimed that voice mails had been left with me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So, the vendor cancelled the inspection. 

This is simply not true. I had no voice mails, and in fact I was calling in during the same time to see where we were. I believe the vendor missed the timeline and falsified the report. 

XXXX on XX/XX/XXXX referred the mater to Inspection Team Management, and I asked to be called back. I was not. 

I called back on XX/XX/XXXX and spoke with XXXX. He verified that a rush inspection request was requested, and assured me he would follow up with the case the next day. 

I called back on XX/XX/XXXX only to find the inspection was again cancelled on XX/XX/XXXX because an updated inspection report was required. 

I was referred to a Resolution Specialist ( XXXX ) who looked at the file and confirmed that an updated inspection was required. He assured me that he would see to it that the inspection was conducted right away. 

I asked to be called back today, and I was not. Of course, XXXX did tell me that he was off on Friday, and they were closed Monday, but he would call me Tuesday. 

So SunTrust Mortgage will not release the funds owed me, funds they have held since XX/XX/XXXX. My mortgage is due on XX/XX/XXXX. 

I urgently need the insurance funds they are withholding from me.
In XX/XX/2018, I applied for the XXXX XXXX Credit Card through Chase Bank. I receive emailed daily offering miles as a perk. You receive instant credit and then you can book your travel immediately to start spending the minimum {$2000.00} to receive the bonus miles. 

I called the Customer Service number to make sure I was doing it correctly. I applied and was approved for a XXXX limit immediately. 

I was then instructed to click the link that goes directly to the XXXX website to book my travel. 

Once I clicked the link, my account profile looked different ( good sign ) and it also gave me the option to use membership miles ( never seen that before ) so I assumed something obviously took. 

After I selected the tickets, I was unable to pay with the new card ( so I can get all the bonus miles ) I called back and was told that the site must have " disconnected '' and they do not have access to my new card number and I will have to wait 7-10 business days. 

This does me no good as I will lose the bonus miles, and most likely lose the tickets I want. And if they are available, they will so much more as the tickets are for christmas travel. 
I called Chase, they said " we are the bank, they are a 3rd party, you should just cancel the card. '' I called XXXX and they said " we can not help you and we can not hold the reservation or allow you to change payment. '' So I ran my credit for nothing. I wasted 3 hours of my time on the phone. 
Neither company gave their Customer Service the tools to fix the issue as it is clear there is no intention of doing so.

This is bait and switch.

Moreover, I have activity logs that show no disruption in internet service. I run a global marketing company and my internet is my livelihood. Best believe I know when there is a disruption in service.

I filed a complaint. The representative from Chase made no effort to speak with me at normal hours. When I attempted to return her call, I was always sent direct to voicemail. I left over a dozen voicemails asking when I could call HER as I wanted to be sure to make contact. No response was given. 

I have not been given baggage fee credits or priority boarding. I purchased XXXX in tickets in one day that I planned to put on my XXXX Card. 
Every call to customer service to Chase or XXXX is met with either confusion or refusal to rectify anything.
I owed a debt at my former college, XXXX College. I couldn't make payments because i did not have a job at the time. they sent my debt to the collection agency XXXX XXXX, without my knowledge.. They never sent me any letters stating anything about my debt. fast forward to now, I need a copy of my transcript, they couldn't process because i owed a balance, I paid my balance in full which was XXXX $ on XX/XX/XXXX via the college 's website. and I called the school and they said it was sent to collections and i have to pay a collection fee, I explained I paid in full and some lady name XXXX XXXX who works at eastern revenue, was very rude wouldn't let me even explain myself and said point blank if I don't pay the XXXX $ they're not gon na remove my hold, even though I don't owe the college anymore ... My argument is, why should I pay an extra XXXX $ for a collection feee, they didnt collect? when I don't even owe the college anymore and they never collected anything nor made themselves aware that they were in fact collecting the debt ... .I have no type of correspondence from this company.
I CHECKED MY XXXX INFORMATION REQUEST WITH THE SECRETARY OF STATE AND I HAVE NO LIENS PLACED AGAINST MY NAME. I SENT MY IDENTITY THEFT REPORT, PROOF OF IDENTITY, FTC NOTICE TO FURNISHER, AND COPY OF ACCOUNT STATEMENT SHOWING THE FRAUDLUENT ITEMS.NONE OF THE ACCOUNT LISTED BELONGS TO ME.TRANSUNION REPLIED THAT ( LETTER ATTACHED ) " IN ACCORDANCE WITH SECTION 605B AND FCRA THEY HAVE DETERMINED THAT MY REQUEST HAS EITHER A. ) BEEN MADE IN EROR B. ) A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND OR C. ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES MONEY AS A RESULT OF THE ISSUE. '' I HAVE ATTACHED A REPORT RECEIVED FROM TRANSUNION WITH VARIATIONS OF NAME LISTED ON MY REPORT AND WOULD LIKE TO KNOW WHICH NAME DID THEY VERIFY THE INFORMATION ON. I ONLY HAVE ONE LEGAL NAME AND PROOF OF IDENTITY WAS ATTACHED WITH MY LETTERS. I ALSO WOULD LIKE TRANSUNION TO SHOW THE CFPB HOW DID THEY VERIFY THESE ACCOUNTS WHICH DETERMINED THEY CAN NOT PROCESS MY REQUEST. I HAVE ALSO SENT THEM A VALIDATION LETTER BY MAIL AGAIN AND TRANSUNION NEEDS TO REPLY AND SHOW THE CFPB WHY THEY DENIED MY REQUEST AND ALSO REPLY SEPARATELY BY MAIL.
CALLER IDENTIFIED HERSELF AS XXXX XXXX WITH PROCESS SERVER. SAID I WOULD RECEIVE A SUMMONS IN A FEW DAYS. I DO NOT KNOW THESE PEOPLE NOR DO I OWE THEM ANY MONEY. THEY ALSO CONTACTED MY MOTHER IN LAW WITH THE SAME MESSAGE. BOTH WERE LEFT AS VOICEMAILS. CALL CAME UP AS " UNKNOWN CALLER '' BUT IT GAVE A CALLBACK NUMBER IN THE MESSAGE OF XXXX