WillisBack/dataset-financial-user-claim huggingface dataset:
I initially received an Old Navy store credit cards several years ago. At the time I opened my account, I managed my account online using the username : XXXX. My account was then transferred to a Visa issued Old Navy card. My store credit card account was closed. My Visa issued account was maintained and managed through the username XXXX. I have always paid my account online and relied on online access to view my account. In XX/XX/XXXXof this year I reported my card lost and was issued a new card, but was still able to access my account via the username XXXX.
On or around XX/XX/XXXX, I attempted to access my account to make a payment. I logged in using my username XXXX and the information regarding my Visa account was gone. I did not receive a paper statement. In fact, I received an email indicating my statement was available online using my login, which was false. I contacted Old Navy using the online chat service and was told I no longer had access to my account. The explanation being only one account could be associated per username. I asked why my active account would be removed and not my closed account. I asked them to resolve this issue and was provided no assistance. On XX/XX/XXXX, I again received an email notification to access my statement online. On XX/XX/XXXX, I attempted to access my account online and again found no information regarding my account. I was given no explanation as to why I had not received a paper statement if my online access was blocked or why online access to my account had been removed. I was given an ultimatum that the only way to make a payment - despite not receiving a statement - was via the phone.
Old Navy 's acted in way that was fraudulent by removing online access to my account in effort to collect late fees and increased interest charges ( due to an increase balance ) that would otherwise not be entitled to. They removed online access without warning and explanation and failed to remedy the situation such that I received paper statements in the mail. They knowing impaired my ability to review my statements and make on time payments.
The United States XXXX XXXX XXXX/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States XXXX XXXX XXXX.
This is my third attempt to submit this information. I get to the end and can not get past the " add attachment '' option! 

When setting up payees with my Suntrust bill pay I enter the company name and account number. If there is a match Suntrust automatically sets up the account. I have questioned the mailing address of some of these accounts and asked for a list of the mailing addresses by payee to which they have told me ; 1 ) Go to the payee account and look. ( I have obviouslly done this and the addresses are not listed. ) 2 ) They said they will not supply these addresses. 

They are sending " MY '' money somewhere and will not tell me where. They will tell me to whom, which I already know, but not where. I feel I have a right to this information and is the reason I 'm complaining about their business practices here. They have a very bad attitude and view their smaller customers as a necessary evil. Please help. 

I am listing the text of my email correspondence below since I can not attach. 
Here 's my initial request for information : XXXX -- Original Message -- Date : XX/XX/2017 XX/XX/XXXX To : XXXXXXXXXXXX Subject : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } There are a number, actually the vast majority, of my on-line payees where I can not see the address where the payment is being sent. I need to verify these address for myself and need to see them. I do n't care who maintains these addresses, etc., I need to see them since you are sending my money to these address I have a right to know what they are from you and not the payees. Please let me know how I can get a list of these address from Suntrust Bank. I need these immediately. 

Here is their response : XXXX Topic : Bill Payments Subject : Re : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } [ # XXXX ] From : Customer Support XX/XX/2017 Hi XXXX, Thank you for your email. 

I will be happy to assist you. I understand your issue. When you schedule a bill payment we will send the bill to the mailing address that you have provided when you added a biller. 

I request you to please review biller profile to confirm the mailing address of biller. I request you to please follow below steps to see mailing address of a biller. 

Select Move Money from the Landing Page then select Pay Bills. 
Select the applicable biller account and click anywhere in the biller row. 
Select Details. 

After you select details you will be able to view mailing address of a biller. However, please keep in mind that you will not be able to see the full payee account number ; for security the payee account number only displays the last XXXX digits. However, you can edit or view the account number by clicking on Change or Show. 

I am sorry to inform you I will not be able to provide you list of all your biller along with mailing address. 

It was a pleasure assisting you. Have a nice day! 

Regards, XXXX XXXX XXXX SunTrust Bank- Digital Client Services
My loans went to collections, and I was garnished. I went through a program to get me back onto track, and get my loan into good standing. They said after 6 months of on time payments that they would end the garnishments, and my credit would be clear. I had to file bankruptcy. I called in to make my payment XXXX day, and they told me the program had been closed, and I had completed it in good standing. This was 15 months later. My loan never left garnishment. Now they want me to make a second payment every month after they have already taken the money out of my check. I just went back to college, and when I asked about a deferment during college they just moved my currently owed payments to the end of my loan, and are still billing me.
United Auto Credit ( XXXX ) contacted my cell phone ( XXXX ) 14 times between XX/XX/XXXX and XX/XX/XXXX with a total of 14 calls. I have never done business with U.A.C. nor do I owe ANYONE money and have no idea why they were harassing me. 
I contacted them on their " contact page '' and also had an attorney contact them and received no response. 
This is there Nevada license info if you find it helpful. 
XXXX The calls are always a recording that only states a " business matter for XXXX XXXX '' but not who they are and no way to opt out. I have no idea who XXXX XXXX is. 
I have a photo album of all calls and some notes if that would be helpful. 

Thanks,
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap XXXX
XXXX XXXX of XXXX, I closed on my 1st home. The purchase price was {$180000.00}, and at the time I received a {$9900.00} grant for the down payment of the home. En lieu, I had received an interest rater of 5.25 %. XXXX, at Academy Mortgage, told me that we could do a no cost refinance ( lie ) in XXXX to reduce the interest rate to a respectable amount. 

XXXX of XXXX, I do the refinance at a cost of approximately {$2400.00} to me ( built in the loan ). I accepted a 4.125 % rate with no PMI. I was appraised at $ XXXX, and the loan was for just over $ XXXX. 

In XXXX of this year, XXXX called me to ask me to refinance the loan again because they were having a hard time trying to sell the loan to their investors. She said that she would do the refinance at 3.99 % and no closing costs. I turned her down, because I did not want to jump through hoops for a few dollars. ( My intent is to sell the house in a year and a half anyways, so I can upgrade ). XXXX approached me again and offered 3.875 % and I declined. Five minutes after I sent the email declining, XXXX called me and begged me to refinance the loan for 3.75 %. I reluctantly agreed. She assured me that my payment would go from {$970.00} to {$930.00}. I signed all of the documents and received copies of them all. XXXX told me that it would not be necessary to make a XXXX XXXX payment while I am going through the refinance, so I took that money and paid on my student loans ( I have confirmations of this ). XXXX also told me that my first payment would not be due until XXXX XXXX ( again, I took my XXXX XXXX payment and paid student loans instead ). 

Last week, XXXX tells me that their " investors '' accepted my original refinance terms from XXXX and there was no need to do the current refinance. Safe to say, I am extremely upset about this whole situation, and this is where I am asking your help. They want me to immediately make my XXXX XXXX payment ( which I do not have ). They also want me to make my XXXX payment right away, for which I have financial records stating that I paid off student loan debt. I also have emails showing most of the correspondence with XXXX, stating it was unnecessary to make the XXXX or XXXX payment because my first payment would not be due until XXXX XXXX. 

Academy Mortgage called me and notified me that they would be willing to give me {$980.00} and that is all they will offer me. They forwarded the issue to their corporate attorney, XXXX XXXX. 

I signed all the paper work agreeing to a 3.75 % interest rate with no PMI. I have been repeatedly lied to by Academy.
I spoke with Transunion on XX/XX/2018 in response to inquiries I never authorized and although I had requested assistance in getting these removed their customer service would not help and take care of the negative inquiries reporting to your credit report.
Late fees assessed improperly. I called i n 2015 to in quire about changing the billing date of my personal loan payment and was instructed that I could do thi s three  times throughout the loan. I then went online and changed my auto-payment date, thinking that would have the effect of changing the official payment date, but it did not. Since I was using auto-pay, I did n't know I was being assessed a late fee every month, despite not being told at the time I changed my auto-pay date that this would not change my official payment date. The total late fees assessed were  XXXX  x {$39.00} = {$390.00}. Once I realized this occurred, I called and the customer service rep was authorized to refund  XXXX , leaving an outstanding balance of {$270.00}.
They have called me back to back in the same day after me speaking with the rep named XXXX. I just talked to him at XXXX pm on XX/XX/2016 and he called me back on XX/XX/2016 at XXXX. He is harassing me and I advised him of that he still calls.
XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-XXXX cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.
On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with health coverage under the Department of Veterans Affairs. XXXX XXXX XXXX XXXX failed to submit a proper claim pursuant to XXXX to the Department of Veterans Affairs within the 90 day time limit.They filed a claim with the wrong party XXXX and got a denial of cliam.They then directed their agent XXXX XXXX XXXX. to pursue collections activities against me in the amount of {$1000.00}. I have attempted to resolve this matter with both entities with no results. Inaccurate and negative information has been placed on my credit report affecting my credit score, which has affected my insurance rates etc.
Summary : An unauthorized charge for {$200.00} posted to my account on XXXX. I immediately disputed the charge via telephone and requested a security close on my account. After investigating, Citi reversed the temporary credit and said I was responsible for the charge. However, the charge copy provided by Citi clearly shows that the charge was not made by me, nor were the goods shipped to my address. 

Disputed charge details : XXXX/XXXX/2016 {$200.00} XXXX Detailed narrative : On or about XXXX, I noticed XXXX pending charges on my Costco Citi Visa account . The charges were for XXXX ( detailed above ) and also for " XXXX XXXX ''. Neither I nor my wife ( the only other authorized cardholder ) recognized either merchant. 

Suspecting fraudulent activity, I called Citi at XXXX and requested a security close of my card. At that time, I also said I believed both charges were fraudulent. The CSR said it was not possible to remove the charges because they were pending and not yet posted. 
A day or so later, both charges were posted to my account. I called Citi again at the same number. The CSR said that the charges should have been flagged as fraudulent during my first call, but had not. She then said she had probably flagged them as fraudulent in the system. 

I received my replacement card with a new account number and activated it on XXXX. 
On XXXX, I received an electronic notification from Citi with additional details about the XXXX charge. I called Citi to determine if I needed to send the letter in or not, and was transferred to the Security Department. I was told that the XXXX charge was not properly flagged in the system as fraudulent but the CSR was not sure if I needed to send the letter in or not. The CSR said she marked the charge as fraud. 

About an hour later Citi called me back and said I did need to send the letter in. I checked the box that indicated that I was disputing the charge as fraudulent, signed the form, and then mailed it to the address on the notice ( Citi Cards, XXXX, MO XXXX ). 

On XXXX, I received a letter from Citi that said " Based on the information available, we have closed our investigation and reversed our credit. If you did not make or authorize this charge ( s ), please sign the following statement ... '' I signed a copy of the letter and sent it to Citi using the same address as before. This letter was sent via Certified Mail. 

The XXXX letter also included the charge copy for the disputed transaction. According to the charge copy, the purchaser 's name is XXXX ; last name redacted XXXX ; and the shipping and billing addresses are in XXXX Illinois. 

To be very clear : I do not know XXXX ; redacted XXXX ;, nor is she an authorized cardholder. 
I do not know anyone in XXXX, IL. 
I have not ever done business with XXXX. 
Using Citi 's own documentation, this charge was clearly not made by an authorized cardholder. 
Neither I nor anyone authorized by me made this charge. 

Supplemental Information : The Citi letter sent XXXX including the charge copy are included in this complaint.
I am a user of a Chase Sapphire Preferred credit card which awards points based on purchases which can be later redeemed for airplane tickets or hotel stays. To redeem the award points, you contact the Ultimate Rewards Department and request your specific travel award. Chase then informs you of the cost of the ticket for the award to be redeemed. Chase does not inform you that the prices it is quoting may be non-competitive compared to purchasing the same ticket through a travel company or using a different credit card service. The earning of the travel points is the inducement to use the card credit but there is no disclosure that when you redeem you will be offered an uncompetitive price. This evening Chase quoted the lowest fare for the flight requested at {$150.00} but the same flight was offered at the same time on XXXX at {$55.00}. When i complained the response was that they do not have disclose that their fares may be uncompetitive - it was not part of their " marketing '' to disclosure the drawbacks of their program. If asked, they will disclose fares may not be competitive but only if asked. This is deceitful.
I am currently going through an appeal. In the midst of my case, I feel my privacy rights are being violated. The lawyer XXXX XXXX XXXX, that is representing the Plaintiff ( Cascade Collections ) in this case. ( Case # XXXX ), has not only mailed but faxed paperwork regarding my case to my place of employment. The Federal Debt Collections Practices Act was created to protect us as the consumer, so that we may be able to work with out feeling harassed or feeling anguish in our place of employment. He has had phone conversations with my boss, who should n't have even known about my case situation other than just the garnishment and to solely garnish my wages as requested until the appeal case is resolved. Nothing more. 
The fax machine that the attorney XXXX. XXXX XXXX faxed information to, regarding myself. Is a fax machine that everyone uses at the office for medical reasons. Not for personal cases regarding employees. He did n't have permission by myself or my employer that he could do so. He also mailed a copy of my case to my place of employment. Now everyone in my clinic knows that I have a collections debt in court and that I am being garnished unfairly. 
I am in jeopardy of losing my job and now have no money to even pay for the debt he is coming for. Because this has caused me such anguish and embarrassment. The attorney has abused his power and I have proof that Cascade Collections knowingly produced a false collection letter that was never sent to my home. 
I am in such a hard place, in the fact that I am just an average person earning just enough to pay my student loans and other regular bills deemed necessary.
XXXX/XXXX/2014Honorable XXXX XXXX : Hello. I would like to speak with you about the Florida Hardest Hit program ( FHH ). 
Florida Hardest Hit program seemed at first to be for the benefit of those hardest hit by the mortgage crisis but, as I looked at the formula for qualification, I realized this was just another form of TARP. I filed for an appeal ; was referred up the chain of command till I came to the office of XXXX XXXX. I made several calls over several days, to XXXX office and I was disconnected ; put on hold for prolonged periods ; and told that I could not talk with her. I do not believe this to be the American way, and would like your help to ferret out the truth. 
" Truth will ultimately prevail where there are pains to bring it to light. '' -XXXX ( XXXX ) I have documentation to include email correspondence with the Florida Hardest Hit program to support, what I hope will be your attempt to verify this program. 
My hope is ; investigating the FHH program, will be good for you, me, and the Democratic Party.I have stopped by both your XXXX office and your XXXX XXXX offices to offer my support. Best of luck with your upcoming election. 
Sincerely, XXXX XXXX, XXXX XXXX : Hello. XXXX XXXX XXXX has referred me to you regarding my case. I have forwarded correspondence as background information for you. 
At this time I would like to register my feeling that without consideration of the individual 's down-payment, Florida 's Hardest Hit falls short of helping the people of Florida. 
Thank you for your time and consideration of my case. 
Sincerely, XXXX XXXX
CitiGroup is unfairly and possibly illegally and unconstitutionally using its market power to prevent new merchants from opening merchant accounts or from accepting Citi-brand credit card products to sell firearms to customer between the ages of XXXX  and XXXX in states and jurisdictions where the purchase of certain firearms by customers in this age group is allowed by law and protected by the 2nd Amendment.

Citi has publicly announced this new policy on XX/XX/18 and has received wide coverage in the media.
I submitted a {$200.00} gift card to be sold on the XXXX XXXXwith the confirmation email indicating I should receive payment within 1-3 business days. After two weeks of hearing nothing, I reached out to XXXX  supportwhich is limited to an email account. That email went unresponded to, so I attempted to call Blackhawk, its parent company, and was put directly through to voicemail despite it being business hours. When I left a voicemail, I additionally received no response. After browsing public reviews left by countless others both on sites such as XXXX as well as directly with the XXXX, I am concerned this company is committing fraud against the public and operating on a license that should be reviewed.
XX/XX/2018, {$850.00}, I dispute it did not get any information from them to verify the account with my driver 's license and my copy of my social security have not received anything for the last 30 days and also sent another letter no response also the letters was certified returns.. also this is a third party company that I have no accounts with this company is a collection company that never heard of
The debt collector leaves up to 4 voicemails a day stating that there is a lawsuit against us. When contacting they demand an address and social to serve us papers. They have stated that a case number will not be assigned until the papers are served which is false and misleading tactics. They make threats to call employers 100 's of times a day to get you fired and to call family members in a similar fashion until we settle with them or the family member pays the debt. The debt they are attempting to collect on has been paid for over 9 years and the account has been closed for the same amount of time. They ignore the cease and desist and have made threats to have someone waiting for us when we get home.