WillisBack/dataset-financial-user-claim huggingface dataset:
I am following up on my case number XXXX. 

I received the attached letter from Citibank. They claim that they deny my disputed charges because I did not notify them within 120 days that the merchant had failed to provide the services I paid for. This is demonstrably false, given the documents I submitted, and their own handling of this case. 

A recap of my dispute appears below, taken verbatim from my letter to Citibank of XXXX XXXX, 2016 : " I purchased XXXX oil change packages for our cars from XXXX XXXX XXXX. They were for XXXX premium, synthetic oil changes each. XXXX package was for our Honda, the other for our Jeep. 

Before I could get all XXXX changes, they went out of business. I wish to charge them back for the oil changes that were not provided to us. We are still owed XXXX changes for the Honda, and XXXX for the Jeep. Per you customer service representative, I am providing copies of our credit card statement, as well as the original sales invoices for both transactions. Please note, this card was canceled due to a fraud alert. It was replaced by XXXX card number XXXX XXXX XXXX XXXX. 

The total charge for the Honda was {$270.00} ; the balance due us is XXXX changes, XXXX % of the total, or {$100.00}. 
Total charge for the Jeep was {$220.00} ; the balance due us is XXXX changes, XXXX % of the total, or {$130.00}. 

The total we should be refunded is the sum of both, {$240.00}. '' Citibank actually issued a conditional credit for the Honda oil change of the amount in dispute, {$100.00}. This obviously calls into question the entire idea that I did not make my dispute within their 120 day time frame. 

Based upon the above conditional credit for the Honda, I continued to dispute the charge for the Jeep, which led to opening CFPB case number XXXX. Citibank has displayed bad faith in handling this dispute. They have required me to resubmit my dispute and other documents as many as six times, alleging that they had become " lost ''. This is questionable, as after the first " loss '', I began submitting my information via email to their dispute department with copies to myself. 

Citibanks'claim that I did not dispute in time is contradicted by the fact that I submitted my dispute as soon as I was denied the services I had paid for. 

The background to the denial of services is that XXXX XXXX XXXX sold their business to XXXX and made no provision for the services they still contractually were obligated to me for. 

I am attaching a copy of Citibank 's letter of XX/XX/2016 denying my dispute alleging that I did not submit the dispute within their arbitrary 120 day time frame. The above proves the specious nature of this claim. 

I encourage the CFPB to closely examine the abusive nature of Citibank 's handling of this case. Their claim to have lost multiple documents multiple times is an insult to, and an abuse of the American financial system.
I have requested a forbearance in XX/XX/XXXX and it supposedly has been granted. I was given a confirmation number that it was taken care of. However, they have a robo call automatically calling me 5-6 times a day!! It is not a person. It even calls on Saturday and Sunday with a recording to call them weekdays. It has also called my work phone and I was asked about it. I have called 4 times, each time having been assured that it has been taken care of. Yet, they are still calling me!!!! I want these people sued!!! I pay my bills and should n't have to put up with actions that are illegal and request remuneration for this legal violation of my rights.
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my Experian, XXXX and XXXX XXXX credit report.
This company has been calling me for the past XXXX months. I've tried to get them to stop but they continue to leave me messages. This is an office phone number and they do not seem to understand that I am not the person they are looking for.
Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement.
Transunion report does not include any of my credit lines or loans. I contacted Transunion regarding this issue and they were able to create a file for me and assured me that my credit lines and loans would appear within 30-90 days. However, its has been over 4 months and there is nothing on my report. I have checked the identity information on the report everything is 100 % correct. I 've also contacted credit card companies and they were not able to resolve the issue.
This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).
I leased the car from XXXX XXXX XXXX. I planned to buy it at the end of the lease, so my service rep recommended I get 7 years of XXXX XXXX. They charged me {$860.00} but misrepresented what I was buying. 

The logo at the top of the contract says " XXXX ''. It does not say " XXXX XXXX ''. This is pertinent because I predicted XXXX XXXX would go out of business, based on the way their management treated the employees and neighboring businesses. I would never have paid for a warranty backed only by a dealership whose ship was sinking. They gave up their XXXX contract about a year after I leased the car, and all employees moved to XXXX XXXX. I got my service from XXXX thereafter, and turned the car in there. 

I called XXXX XXXX to discuss a {$350.00} turn in fee that was not disclosed verbally, and was obscured by a line on the contract, so I didn't see it. I also asked them to help me get a refund for the extended warranty, because I didn't use it. A representative of XXXX at XXXX told me I should get a full refund. XXXX at XXXX XXXX XXXX ext. XXXX said he would take care of me. As of XX/XX/19 XXXX had not followed up, so I wrote the attached letter. 

XXXX called me this weekend only to tell me he would not help. He claims that XXXX has nothing to do with the warranty, and my only recourse is to go back to XXXX XXXX, who is out of business. 

I told him that it is sold as an XXXX product. I am asking them to deduct the money they owe me from the money I owe them, and send me a refund. The bill they sent me listing the money I owe them is in error. They claim I only turned in one key, and charged me for the other key. I turned in both keys and can prove it with the attached paperwork from XXXX. 

The amount they owe me is minor, {$150.00} if I pay the {$350.00} fee that is obscured ; or {$500.00} if the CFPB agrees they should not charge that fee. The real issue is bigger than my complaint. 

XXXX sells a warranty under the guise that it is their product and that XXXX backs it up ; then when it comes time to pay, they disavow a relationship to the warranty. That policy deceives the consumer.
I have an auto loan with ally financial and I an 40 days passed due. Primarily spoke to them and we set up when I would pay.. days after that they have called me 30+ times in two days with no voice mail..
Flagstar Bank denied me a loan modification or hardship. I was unemployed for almost 2 years and tried to get loan modification and did n't hear from them and when I did I was always missing documents even though I did send them. No emails, No phones call and especially no help from them to work something out. It seen they just wanted me to get more in the hole so I could lose my house. I file for bankruptcy to tried and save my house and the fell into XXXX do to a work injury. First my Job relocated and that cut my income and then XXXX I should been eligible for a hardship plan never got the opportunity. I was part of the loan modification lawsuit that they had. My mortgage has an equity of over {$100000.00} thats the reason why they want me to loose my house. I 'm ready to make payments now got a job. Since they always gave me the run around I deserve a second chance they have nothing to loose with my equity and they broke the law.
I 've been getting debt collection phone calls for a person named " XXXX XXXX '' for at least 6 months now. That is not me and I have no debt/credit issues. They keep changing their number and I keep blocking them. Today they gave me some info. They said they are from " Pioneer XXXX Recovery '' and their number is XXXX. They said to use the " Reference ID # XXXX. ''
Something doesnt seem right about the way my student loan has been handled. I borrowed {$1800.00} and have repaid {$1800.00}. I have called multiple times to settle the balance of late fees and interest. I was told that I could settle the balance for {$400.00} and then told I still owed {$1000.00}. I have made multiple attempts to work with Wells Fargo and feel that they have been inconsistent, deceptive and dishonest.
On XX/XX/XXXX I sent a certified letter to Equifax who confirmed receipt of certified letter on XX/XX/XXXX. Per FCRA law for investigations the credit bureau must reply within 30 days of receipt of letter to the finding of the request. This complaint will show that Equifax did not only reply back in a timely manner to my initial letter and violated federal law as such, but has also failed to provide me with any viable evidence bearing my signature showing that stated public record is correct. 

Since now I have been violated under federal law and my request has not been properly investigated within the required time-frame, I request that Equifax immediately remove any public recording stating Bankruptcy and any account bearing Bankruptcy on my report. Attached you will find evidence of letter sent to Equifax, Certified receipt, and confirmed delivery of letter to them. 

Again, I request that Equifax now remove any public record stating Bankruptcy and any account bearing Bankruptcy on my report, which Equifax has willingly neglected certified receipt of request for investigation and not following the law of FCRA.
XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri.
I had a hard credit inquiry on my report on XXXX/XXXX/2016 by XXXX. I called Equifax and they told me the could do nothing about it. I have not applied for any credit.
In the year 2000 I paid and closed a equity line of credit, and Citizens Bank never notified the Registry of Deeds in XXXX XXXX in the State of Massachusetts I had to pay {$77.00} to record this discharge which I feel the bank should have paid for the discharge. In the cover letter nothing ever said or implied that it was up to me to have this document recorded
Amex raised my interest rate 4 % without any notice or explanation. Ironically I had paid off {$10000.00} in credit card debt the previous month including {$4000.00} to Amex, so I can only infer this is punishment for paying down my debt and an attempt to make up lost revenue.
For myself and my wife, XXXX is showing a balance due still for this mortgage that we had a completed Deed-In-Lieu for. As of XX/XX/XXXX the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over 28K and over 5K as " past due '' PHH Mortgage Service and XXXX have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XX/XX/XXXX of this year ( 3 year waiting period )
Paypal recently limited my account. I still have {$320.00} in eBay gift cards which can only be used with a paypal account. Now as the account is closed those cards have become worthless and I feel cheated out of my money.
Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.
I have a XXXX XXXX XXXX secured XXXX card where I have deposited {$5000.00} to obtained the XXXX card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with XXXX XXXX XXXX. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence XXXX XXXX XXXX imposed $ 39 yearly fees on the secured visa card. Since my balance was zero I was not getting any statements from XXXX XXXX XXXX. As I submitted my loan application for mortgage and checked my credit score I see XXXX XXXX XXXX reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to XXXX XXXX XXXX and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a zero balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured XXXX card which was imposed without my knowledge and without any sorts of communication. Please tell XXXX XXXX XXXX to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.
We are a small woman owned business who applied for and received a Spark Business Credit Card from Capital One. We began using the card it in XX/XX/2016. At that time the interest rate on purchases was 17.24 % with a credit limit of {$30000.00}. 

We continued to make payments on a regular basis. Unfortunately, we had company checks stolen from our local mailbox. For many reasons, it would have been too complicated to completely close our account so our bank ( XXXX ) worked with us to rectify the situation. We have a multi-step authorization processes in place before money is released. 

After the theft, although we made timely payments for two consecutive months, they were electronically rejected by Capital One. We were unable to resolve the issue through customer service and eventually had to find a branch and physically go over to bring them a check. We were charged late fees on both occasions. Suddenly our interested rate was raised to a predatory 30.650 %!!!!!! 

We have spent hours on the phone, gone to the branch, and written letters. No one seems to have any authority to do anything or will provide the name of a person who can do something to resolve this. We are desperate. First we were victims of thieves, now we are victims of Capital One. Please try to help us! 

.
I had a car loan with Chrysler Capital for my XXXX that was involved in a total loss accident XX/XX/XXXX. I had full coverage and gap insurance that paid out on this vehicle to Chrysler capital. There was also a refund for disability insurance that was paid to Chrysler capital as well. I released my title to XXXX insurance company, as requested. Now, Chrysler capital is stating I owe them {$5600.00} due to late charges and payments that were added to the back end of the loan. I spoke with my gap insurance and they explained that they paid out based on the paperwork that they received from Chrysler capital and it sounds like to them Chrysler capital is trying to charge interest for the time of the contract which would have ended in XXXX, and that is not legal. Even if it was calculated for late payments or deferring payments, that would be no more than $ 2000.00.So I am asking for the amount that they say is still owed, to be investigated? I also have attached XXXX which is Gaps payment breakdown, based on what Chrysler Capital sent them.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
I have never been late on a mortgage payment. My current mortgage is with Ocwen and my payment is {$2900.00}. I made my XXXX payment on XXXX/XXXX/14 and transposed the last XXXX digits, paying {$2900.00}. Ocwen held the funds, did not post the payment but put on my account, and did not notify me. When my XXXX bill arrived, it showed that I was short the {$54.00}, which I promptly paid with my XXXX payment. Then Ocwen started sending me foreclosure paperwork and added a 30 days late payment to my credit report. I called Ocwen, and the individual I spoke with agreed that this seemed incorrect, but did n't have the ability to fix. I asked for it to be escalated, so he forwarded to their credit department and promised that someone would call me. No one ever did. 30 days later I received a letter that stated due to policy, unless Ocwen receives 100 % of the funds, they do not have to post the payment. I do n't think my credit report should reflect a 30 day late mortgage payment due to a {$54.00} error. This will affect my ability to refinance.
I opened an  HSBC  account checking account in  XXXX ,  XXXX  when  HSBC  had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on  XX/XX/XXXX  after I fulfilled all requirements. However, I never received the IRS  XXXX  in  XXXX   XXXX   XXXX   when bank was supposed to provide to customers by  XXXX . Customer service representative informed customers that HSBC wo n't sent out until  XX/XX/XXXX      Surprisingly,  HSBC  sent out the IRS  XXXX  form on   XXXX   XXXX   XXXX   with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing.     On  XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance.     The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.
On XXXX XXXX, 2015 around XXXX this morning I contacted FMS debt collection regarding a debt I have from an apartment. XXXX gave me the information of what I owed. I later asked XXXX, can I settle the debt, and he stated that the " XXXX XXXX '' does not take settlements. I said, well if I pay half would they settle? XXXX responded, they will only take settlements if it 's close to what I owe. I then asked XXXX could this be removed from my report if I paid it in full, XXXX response was " Nah ''. I responded to XXXX " nah or do you mean no ''? He then replied to me in an ill-mannered tone and said you are being sarcastic and you need our help. Furthermore we will take legal action upon you. I asked him who was the manager, XXXX replied, I am. I asked him who was his boss, and he said the owner of the company. He also said that he will not give me his information because the owner does not talk with the debtors. He then slammed the phone in my ear. I then called to speak with XXXX XXXX XXXX, Operations Manager and I was told she no longer works for the company. I asked for XXXX XXXX XXXX and he said he 's not in this office. I then proceeded to call XXXX XXXX and left her a message at XXXX on XXXX XXXX, 2015. I have yet heard a response from anyone.
I have contacted Equifax by certified letter ( return receipt ), by filing disputes online, and by calling on three occasions to no avail regarding hard inquiries on my report which were never authorized by me. Equifax has reported incorrect names, incorrect addresses, and multiple hard inquiries that are fraudulent despite my written and verbal notification. They have sent me a final response stating the report they have on file is accurate. In accordance with the FCRA, they must remove information that is not accurate and was not submitted/used to obtain credit by me.
I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien.
XXXX XXXX XXXX XXXX is trying to collect a medical debt without. Legitimate validation. They are sending copies of reports they brought from another collect agency called XXXX XXXX XXXX. This Debt was originally placed on credit reports without proper validation from a different collection agency it was disputed and removed from my credit reports. It is against the law to add back a debt to a credit report when it was already removed. They brought this debt from a different collection agency and still do not have validation and authorization to collect this debt. They are sending me letters every week about this debt and I feel harassed by this company, because they I have reported that they do not have proper validation and they just come up with different summary copies from other collection agencies they brought this debt from. I will be reaching out to an attorney. I am XXXX and has been since XX/XX/2016 and I do not want any more contact with this company.