WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I visited my local Citizen 's Bank branch ( XXXX MA ), brought all accounts to a Zero balance and closed my account. 

On XXXX ( ish ) An automatic XXXX payment was accepted under the closed Citizen 's account, which apparently reopened the account, unbeknownst to me. 

Since the account was triggered and reopened, I have not once been notified by Citizen 's Bank of any account reopening. Also, I am being penalized for not paying in the form of Fees. 

On XXXX, I was assured the account was in fact closed. At no time ( either in writing or verbally ), was I, as a consumer, informed that any account activity would automatically result in account reopening. Citizen 's bank did not have the right to accept any automatic amazon payment without my consent, and due to their practices have not notified me of any account reopening, resulting in multiple fees, which is misleading me as a consumer. 

I offered to pay them in full for any charges I inadvertently incurred, so long as they waive all fees, and they refused to do so. I feel that I a victim of unlawful business practices because of Citizen 's failure to disclose to me that my account had been reopened AND inform me any activity would result in account re-opening. 

It is in my best interest as a consumer to PERMANENTLY close this account. However, I have no option to do so, and am being forced to pay for wrongfully incurred fees. It is my hope that you can look into this, and help rectify the situation, or even advise Citizen 's Bank as to what information they are required to disclose to any future customers who are leaving their services.
I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report.
On XXXX XXXX, XXXX, Chrysler Capital hired XXXX to repossess my XXXX Chrysler 300C, of which I had no balance to pay on and Chrysler Capital had no right to a lien on the vehicle. In XXXX XXXX, I filed chapter XXXX bankruptcy, Chrysler Capital did n't file a reaffirmation agreement, even after me calling XXXX times for them to send it to me to sign and file. In XXXX XXXX, the Bankruptcy was XXXX, which put me in a position of not being liable for any balance owed. Because Chrysler Capital did n't file the reaffirmation agreement before the bankruptcy XXXX. In XXXX XXXX I sent Chrysler Capital a restrictive endorsement in exchange for the Title to the vehicle. Chrysler Capital agreed to relinquish the right to the lien on the vehicle and send me the Title by cashing the check. So, XXXX. I am not responsible for any remaining balance on the vehicle. XXXX. Chrysler Capital accepted the money for exchange for the lien and Title of the vehicle. XXXX. Chrysler Capital hired XXXX XXXX to take my vehicle illegally.
these company is trying to collect a debt that is 12 years old. It was a lease return in XX/XX/XXXX to Honda Finance. They sent me a bill I refused to pay. Honda charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XX/XX/XXXX and Honda was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XX/XX/XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really Honda should concern them self with the destruction on innocent people on the XXXX airbag issue.
XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty five min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. 

XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.
I received a letter dated XXXX/XXXX/2015 from Chase Executive office stating that they are investigating my concerns. Well that in fact is a real way of insulting me. I received XXXX a call from XXXX Chase who left a message for me to call ASAP the first chance I had was today and the person I spoke to stated that they had conducted their research and felt that they would not be changing their minds and there desici0n stands the same. 

This to me is a way of harassing me and degrading me because I had paid this balance off without any delays and paid them finance fees and suffered greatly from the situation which concerned lodging at XXXX that was infested with bed bugs. They contacted me with the last letter I uploaded regarding the credit they had not made to my account for the amount that was disputed. This is by far a way to harass me and treat me like a liar. I went through an extensive period of cross examination and had to show them a lot of proof to file a claim and they treated me like the bottom of the barrel credit card scum they are This is from Case number : XXXX
I was charged a late fee for a payment that was n't late. I have my mortgage payment on an automatic bill payment ( for the last several years ) and the records show this particular payment was sent on time ( XXXX/XXXX/15 ) and delivered four days prior to being late ( XXXX/XXXX/15 ). The first time I called the company they said they would not charge me the late payment. When I was charged, I called back and was eventually told by the CSR " I do n't have time for this '' and hung up on.
My minimum payment is {$210.00} which is spread across groups XXXX and XXXX. I have an auto payment set up of {$300.00} which is to be applied to all groups minimums with the extra ( {$84.00} ) being applied to Group H. On top of this auto payment, I pay an additional {$1000.00} every month around the XXXX of every month. This extra payment is to be applied entirely to Group XXXX, which is my highest interest bearing group. This has been set up in my account in XXXX of XXXX. Since this time my auto payments have been misallocated to the incorrect groups causing my account to reflect an amount past due and accruing interest on the incorrect balance. This same issue has accrued twice now with the first time happening in XXXX of XXXX and now the same issue is occurring XXXX XXXX. The fist occurrence was " resolved ' by contacting Nelnet, my service provider, and they adjusted my account to appropriately apply payments. This second issue is currently being " resolved '' by Nelnet as well but since this is the second time I 'm having the same issue within 15 months, I feel it is appropriate to file a formal complaint.
Emails dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have been sent to XXXX. Submission of each email has generated 3 separate acknowledgement emails advising that XXXX received my emails and would respond shortly. To date, NO RESPONSE HAS BEEN RECEIVED for ANY of these emails! Multiple calls have been placed to XXXX to follow up. Each time I have been instructed to submit another email. My loan to value has dropped below 80 % and therefore my PMI can be cancelled. Each of these requests to have the PMI cancelled has been ignored! Customer service for this company might as well not exist! There is no service!
XXXX credit report for me showed an account that was not mine. XXXX attributed that invalid report to Wells Fargo Bank. Wells Fargo Bank denies that I had that account, and denies that they provided the information to XXXX. One of them is not telling the truth, and each blames the other. There are public reports that Wells Fargo caused many false or invalid accounts to be created, but XXXX will not give me specific information about which office or branch of Wells Fargo XXXX says submitted this information.
This company, Goldman Sachs Bank closed my account without any notice, no secure message, no phone call, no letter, literally nothing and not only did they close this account on me without notice, but it caused my main bank, XXXX to freeze my entire account again with ZERO notice of this happening. When I tried to resolve the issue I was told they had closed the account as of todayXX/XX/XXXX2017 but yet I still was given no reason why ... I do n't understand how banks can get away with this, its one thing to reject a customer but no they accepted my application I did nothing wrong ... I have only had at most {$1000.00} in the account at any time and what exactly did I do wrong? I demand an answer or I will consider legal action.
Wells Fargo account ending in XXXX reflected a negative balance and was said to be closing due to fraud activity. Received notice via internal sysyem on Wellsfargo.com online banking account on XX/XX/XXXX at XXXX XXXX that the account would be closed as of XX/XX/XXXX. Account is still open. Was former receiving account for SSI XXXX direct deposit, but was switched to different payment method a week before account was to be closed. Wells Fargo still received my SSI deposit and will not release it back to the SSI department AFTER telling me they had no record of notifying me my account was to be closed. I need the money back I have to pay rent I'm already late on it because these greedy XXXX processed the deposit after they said the account was " closed '', but it's still open!
In XX/XX/XXXX I was solicited the opportunity to request disaster forbearance on my 2 mortgages with Chase, Loan # 's XXXX, XXXX, due to hurricane XXXX in XXXX. At that time I clearly asked what the program consisted of, and how it worked. I was told that due to the disaster, and this program that if I could NOT pay the monthly payment amount would NOT have to be paid for 6 months, and that any payment amount NOT paid would be deferred to the back end of the total loan payment amount to be paid in the form of a balloon payment. It was also stated that NO interest would be charged to that amount at time of payment, nor would ANY late payments be reported to ANY credit reporting agencies.XX/XX/XXXX, I am sent a very confusing misleading letter ( attached ) soliciting me stating : The disaster relief we provided ends on XX/XX/XXXX They are checking in to see if I'm ready to resume making my regular payments, again.They 'll move the past due payments of principal, if any, and interest to the end of the loan term, and change my payment date. the deferred amount will be due in one payment at the end of my loan term via a balloon payment.To take advantage of the offer by XX/XX/XXXX I would need to my regular monthly payment by XX/XX/XXXX, ( which I did NOT do ), and accept this offer by calling them ( which I did NOT do ). Now they are telling me that my payment is due for XX/XX/XXXX, and XX/XX/XXXX which it is NOT, in accordance which what the disaster forbearance program consists of, and what has been misleading, and misrepresented by Chase.
T o wh  om it may concern, Attached is a copy of an extension agreement that was signed and com pleted on  XX/XX/XXXX . I 'm not sure why my account this agreement has not been applied to my account, but I was told that I was eligible for an extension, and was given an extension twice.  <P/> I originally applied for the extension in  XX/XX/XXXX , but that extension was not applied to my account. When I called to make my monthly payment in  XX/XX/XXXX I was told that my car was about to repossessed for non-payment.  <P/> I asked and qualified for the extension, I also had to record my name saying that I understood that the procedure of the extension agreement, but still no extension was applied to my account. The account  manager  that I spoke with on XX/XX/XXXX assured me that my extension would be back dated and my account would be brought current.  <P/> It has been 3 months, and my account is not current, although in  XX/XX/XXXX I was sent an extension agreement in written via email, I signed and returned it immediately.  <P/> Also, there are over {$700.00} in additional charges on my account. In XX/XX/XXXX , my car was repossessed because I mailed in my payment, and somehow it was lost in the mail. I paid over {$1500.00} in charges to have my car returned to me.  <P/> About a week later the payments that were mailed, we 're applied to my account, and subsequently refunded to me. During XX/XX/XXXX my monthly payment was {$19.00}. I spoke with a manager, that could confirmed what was on.y account.  <P/> I 'm not sure what these charges are and why they exist, but I would like for my account to become currently and updated. I would like to receive written correspondence concerning this matter. I can be reached at  XXXX  XXXX  XXXX .  <P/> Sincerely,  XXXX   XXXX
Debt collectors started calling me XXXX weeks ago from world wide, the man named XXXX would call and act like hes a friend when my mom would answer never would tell her who hes witg or why hes calling. So I called back and he said that I owe this and that if I do not pay I will be sued. I told him I need it in writing of my debt so I know exactly. He said no we sent u something months back and now since u never responded we cant. I asked him what address and he told me and I said I havent lived there in XXXX years. He said to bad. I said well I need it in writing. He said no. Then I said I cant pay the whole thing. He said well we will garnish your wages. After that I called backto speak to a manager and her name was XXXX, she said that thats the reasons business go under. She said she would look into it. Well XXXX days later here calls XXXX again saying u didnt get anywhere with her and I did nothing wrong. Are u kidding me! So I called to speak to a manager he answers and he would n't let me speak to anyone but him. So I called the head manager, l and left a voice mail. Today Iget a call from him so he begins to tell me that is state law they can take mywages and planto do so. He said that he called my work and found out where I work and when he said the company name I told him sir ive never even stepped foot in there. He said I spoke to the manager and u work XXXX nights a week there. I told him that is completely untrue. He said your lying state of California show your working there. Then when I continued to tell him I dont work there he said well just sue u then and hung up. I could n't believe it. When I got off work I called the place he said I worked at and asked if someone there said I worked there. And the lady said the manager has been out of town for a week and they are not aloud to tell people u work there unless its in writing. Can someone tell me if this abuse is legal or not?????
I called credit bureaus to dispute inquiries and they said I need to contact companies. I dont know companies and did not apply for credit
There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXX This inquiries were never authorized by me and I would like them removed.
I am getting at least two calls per week for the last month at my place of employment from a company in the XXXX area. Their direct office phone is XXXX but also have a toll-free number at XXXX. They are not trying to reach me on my cell, simply, calling at my work and it 's embarrassing if it is for real. They will not say what they are calling for or who they are but they keep calling. I have to take several calls per day across the country and this is tying up my line and negatively affecting my workflow.
I have  XXXX  federal loans that have been closed for awhile but still on my credit report i have asked several times for these to be removed due to they are not mine mine are from depat of ed not   XXXX   XXXX   and three letter request and still they will not remove them i have asked for doucments proving they are mine and they send me nothing in return. this is hurting my score by having them on there and i have a consolidated loan so  having  XXXX  lo ans on my credit report when i only have one consolidated loan is not correct or appropriate.
I contacted my bank to dispute a group of charges that I knew were not authorized by me. The bank replied with contact the vendor to get it resolved. This is something that I have never experienced with them before. I have contacted them on multiple occasions and never had them not process the disputed charges. So I contacted the vendor we went through every charge and they informed me for unauthorized charges to contact my bank to dispute them. 
I contacted the bank again today, the dispute processor basically called me a liar. Then she told me she had to hear it from them because it is their job to settle the disputes. I asked when Chase changed their policy on disputes and wanted to speak with a manager. I waiting for 45 minutes and no one came to the phone.
On XX/XX/XXXX I called Capital One to dispute 2 credit cards that I found on my credit report. I have never opened nor authorized anyone to open a credit card under my SS number for Capital One. It took Capital One over 15 days to get back to me and at that time the supervisor told me that there are 3 cards under my name. Account ending in # XXXX, Account ending in # XXXX, & Account number ending # XXXX. I did file a complaint regarding this with Consmer Protection. A supervisor called me from the Executive office on XX/XX/XXXX to discuss the account. She stated that they find the accounts valid because the cards and the statements were mailed to my place of business. I stressed to her that there are over 500 offices  in my building and whom received the cards. The address that they sent the cards too do not even have my business suite number on the accounts. I have attached a copy of my Illinois Cyber Drive Detailed Report with my correct address on it. They do not have this address on file. They are missing the suite number. This is why I stressed to her numerous times that I did not receive the cards. I also asked her if the charges on the account were reviewed and she said no. She also stated that there were payments being made to the Capital One accounts from 2 checking accounts that do not even belong to me. One was a bank named XXXX and the other was XXXX XXXX. I have never had a checking account with either of the banks listed. They are accepting payments from a fraudulent bank account to pay for the charges ( that does not belong to me ). I asked for proof that these accounts belonged to me and they will not send me any information. I have provided them with a police report that all of my information was stolen and that I am a victim of identity theft.
In XX/XX/XXXX my car was XXXX in an accident. My insurance did not cover because the person driving was not covered. I contacted the lender which was Santander to advise them of the accident and they advised me that they would sell the car for parts and see how much they could recover from that then they would provide me with information such as what they received and what i would be liable for after. I never heard from Santander again until months later stating i owed them almost XXXX dollars.This was a XXXX and was not even worth XXXX. They never provided me with any information about the car or any detailed information about what they got for parts. Now they have sold the debt to XXXX and are still reporting this on my credit under Santander as eell as XXXX. XXXX has this debt listed on my credit as a new debt when infact this was opened in XX/XX/XXXX.
Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XX/XX/2017  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
We selected Sebonic Financial for our mortgage refinance. I believe they also go by the name of XXXX Financial. The reason we selected them was the low mortgage rate and costs to refinance. We have provided all the documents and responded on a timely basis. Each person I have dealt in their organization appears to be dragging their feet with the processes. They do n't return phone calls, information is lost, they tell me that they have all the documents and then they request more .... 

We are coming up to the end of our rate lock period. Now they are trying to extract additional payment from us for a rate lock extension. We have done everything to be timely in getting the appropriate paperwork to them, made arrangements to get the appraisal done, responded quickly to their requests, but over and over again, they drag their feet. It is as it the process is designed to get you to commit and then up sell you with rate lock extensions. I am starting to believe that they never expected to fund the mortgage at the rate they committed to. The whole process is designed that you ca n't get the process done in the rate lock period. 

Here are some of the tactics I have seen. Not just one, but a number of their people never return calls. They lose documents. They arrange for the appraisal, but the appraisers refused to accommodate any time ( weekends, evenings ) other than XXXX to XXXX. The person handling our loan told us that via email that they had received the appraiser the day after the appraisal. Then, yesterday they told us that it was n't received for 6 days. This was also in email. The person handling our loan gave us the wrong underwriter. The underwriter could not find our loan. Then, the same person handling the loan told me that the underwriter was the sales person which I knew was incorrect. 

In closing, their whole process seems to be a bait and switch. They sell the low rate and costs. Then, they drag their feet to close the mortgage refinance. Finally, they push for rate extension payment. My belief is they never intended to provide the rate that was locked in up front.
there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... ..