WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card through best buy with citi bank. I am setup on their website with auto pay as I am with all of my bills which I pay online. XXXX 2015 I changed banks and I updated all of my online accounts including citi bank 's. I received a phone call earlier this month stating that I was past due on my best buy account through citi bank. I explained to the customer service that this could not be possible as I am set up with auto pay. The agent explained the auto pay must not have been working properly and it might not have saved my updated banking information online when i added it. I was penalized and hit with late fee 's and it was also reported to all XXXX credit bureaus. I spoke with the bank and they apologized for the inconvenience and reversed the late fees. However I wanted them to correct the negative mark on my credit reports. In my XXXX of having this credit card I have never been late. I am very disappointed that I was not contacted and advised sooner about the auto pay not being processed. Instead the bank contacted me way after the fact and reported a late payment which was not my fault. Citi bank 's website is known to not work properly and I feel the consumer should not be punished for it. This mark will stay on my report for XXXX yrs because of a system issue.
XX/XX/XXXX purchased tickets for XXXX XXXX XXXX through XXXX in the amount of {$1200.00} XX/XX/XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XX/XX/XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XX/XX/XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the XXXX host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX Even though XXXX has sued XXXX, it refuses request to send a letter citing " lack of contractual obligation '' XX/XX/XXXX I  reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a XXXX ticket XX/XX/XXXX-XX/XX/XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. XX/XX/XXXX XXXX responds with the same generic message XX/XX/XXXX Bank of America requests documents but notes that the final decision is in the hands of the merchant, which is a scammer. XXXX will certainly refuse and take my money. XXXX is subject of lawsuit in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, the XXXX and XXXX. It has been fined in XXXX. XX/XX/XXXX Filed complained with the FTC, though it says it can not intervene in individual matters. Encouraging " Victims of XXXX '' who are based in the US to do the same if XXXX refuses to refund. Bank of America is putting me in an unfair position with a scammer.
X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.
Equifax announced that they were hacked on XXXX/XXXX/XXXX and that the personal information of costumers may be compromised. I checked my status on the equifax security website that Equifax provided in order to determine whether I was a victim or not. The website noted that I may be a victim. This places great stress on me and the possibility of my identity being stolen
The " public information '' questions they ask when verifying ID at XXXXXXXX XXXX and ( attempt at ) opening an account at XXXX contain inaccurate information and can not be answered truthfully.
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors.
The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.
On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.
On or about XX/XX/2018, LexisNexis Consumer Center improperly allowed XXXX XXXX XXXX to have access to my personal consumer report/information without my authorization to do so. LexisNexis Consumer Center knew or should have known that XXXX XXXX XXXX did not receive permission or authorization directly from me to access my personal consumer report and/or driving history. XXXX XXXX XXXX had access to my social security number from an old policy many years ago. I did not give LexisNexis Consumer Center or XXXX XXXX XXXX permission to access my personal information without my authorization. This is clearly a violation of my consumer rights. LexisNexis Consumer Center also  improperly accessed my personal consumer report without my permission or authorization to do so. This is also a violation of my consumer rights.
Bank of America closed my debit account for nothing. I received an XXXX report, which showed the reason : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I was shocked by the bank 's stuff 's disposition to a client and the level of their competency. A man, named XXXX XXXX owed me money and issued checks. I just tried to deposit them to my debit account XXXX. I do not know what happened after that, but BoA closed my account. What " unauthorized or prohibited '' did I do? During a year I accurately maintained a credit and recently debit accounts. I never committed overdrafts and what I have now? BoA, instead of helping a client to overcome a situation, possibly created by a third party contributes a fake information about me to a consumer reporting agency, making me, a client, a victim. It is unfair business practice.
My mortgage of {$1000.00} ( monthly ) was sold to Nationstar Mortgage by XXXX XXXX XXXX. Since the inception, It has always been my practice to pay {$1200.00} monthly instead of the amount due, in hopes that I can complete my payment earlier. Once Nationstar received my mortagage, they began charging me a monthly inspection fee of {$10.00} even though no inspection was being done. Upon questioning this in writing, the practice of taking the fee was stopped. Just this month, Nationstar sent me a notice that my regular monthly payment is now {$1300.00} and not the {$1000.00} which was based upon an agreed fixed-rate XXXX-year mortgage. On calling their Customer Service on XXXX, the representative told me that this was an Escrow increase, despite my contract. It is my belief that Nationstar have been conducting fraudulent and dubious business and I am further convinced of this after I took a look at their reviews on XXXX. I need your help.
On XX/XX/XXXX I had filed a written dispute againist the XXXX XXXX XXXX which has a negative remark on my credit in the amonut of {$360.00}. 
Along with this written dispute I also mail out the same copies to all 3 credit bureaus. I have yet to receive proof nor evidence that I m the owner of this debt and the 3 bureau 's have still let this remain on my credit. I had went to visited the last known address that I knew of the original creditor and they are under new management, and had no such evidence that I ever owed them any money. I then went to call the 2nd party debt collector on XX/XX/XXXX, National Credit, and they stated to me that they had no way of contacting the original creditors. I then ask who can I speak with to resolve this issue they stated to me that I had to proof that I didn't owe the debt. At this point I feel that this is not fair to me to have to pay {$360.00} for something that I don't owe. 


Along I will provide evidence that I don't owe any debts. 
Pay close attention to the dates please. 
Every signature is indeed my actual signature, all the places that my signature is the only documents that I have ever acknowledged.
Submitted a mortgage loan application with MLB Residential Lending , LLC for a refinance mid XX/XX/XXXX. Went through all processing stages and received a clear to close from the lender and their closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement XX/XX/XXXX at XXXX XXXX. The day prior to settlement, XX/XX/XXXX, I received a phone call from my loan officer that the underwriter stated that the loan can not close as currently structured due to investor guidelines and we have to restructure the loan as a purchase transaction. Over the next 3 weeks I submitted additional documentation requested by the lender and received my new disclosure package on XX/XX/XXXX at XXXX XXXX. I re-signed the new disclosure package and printed 6 documents and physically signed and faxed back to the lender, per instructions provided by lender and loan officer. Prior to the close of business that same day, I received an email stating that my loan status has changed to statement of denial and instructed me to contact the loan officer with any concerns and/or questions. After further review, my loan was denied due to incompleteness. I inquired with my loan officer and he disclosed that he was no longer employed by MLB Residential Lending , LLC and instructed me to contact them directly moving forward. I called the lender and left a voicemail message. My call was not returned. I then followed up with an email inquiring about the denial and I received an email back stating that the loan was denied due to the sales contract not being complete. I have sent several emails asking why I was not given an opportunity to fix and/or provide additional information to complete the sales contract. To date, I have not received an answer from MLB Residential Lending , LLC giving me a reason why.
I had an Barclays Credit Card account that I used to withdraw cash. Once the statement came in I called in the customer service and asked them for the balance to pay it, I made a full payment and changed my address. After 4 months they reached me and told me that my account was past due. Upon finding out that the account was past due I made a full payment and paid it off completely. A few months later I applied for another card with Barclays and both the newly opened account and the old one were closed. I downplayed it and after a few years I applied again not knowing it is the same company-Barclays. I got denied credit and received a letter stating that I had unsatisfactory previous relationship with the. I called Barclays and explained what had happened in the past, she went over the notes and confirmed that I was right. She therefore corrected the negative reading off of my credit bureau report and reopened the account that they had closed back in 2014. A few days later after I received the old reinstated card I received another letter that they were closing my account again. I called in to get an explanation and they ignored me by saying that I had unsatisfactory relationship with them and that no further action or explanation would follow. I have the new reinstated credit card that they sent but my report still shows that I had late payments. No matter how many times I tried to call and explain they would find all types of excuses including wrong date of birth and wrong mother maiden name to not talk to me.
I called experian because they listed themselves as the reporting agency for bankruptcy on my credit after I disputed the fact that before they had the United States bankruptcy court as the reporting agency so I went to the bankruptcy court and they supplied me with a letter to experian that they do not report bankruptcy to the credit reporting agencies and they were In violation of the fair credit reporting act section 111 ( a ) ( 1 ) ( A ) because this was not my bankruptcy. I called the agency in witch they transferred me to a disput agent I informed him of my situation and he did see that I didnt even have anything on my credit to file a bankruptcy and this was a fraud situation he told me to hold then returned to the line I told him that since they are now listing themselves as the reporting agency that I would need the proof and documentation baring my signature to verify and this is now being recorded so I could further discuss with my attorney handling several fraudulent things done by my ex husband because hes the only person I know that has had my information in the past and has filed bankruptcy which had nothing to do with me but before I got a chance to inquire anything about their dispute he immediately hung up on me after I spent over 3 hours on hold because XXXX XXXX has deleted this so Im not sure why no other agency is willing to do a proper investigation supply me with documentation for the reason this is on my credit or if they dont have documentation do the proper thing and remove it. Secondly Why would a professional credit dispute investigator refuse to give me information my attorney sent them a written letter requesting it because it is my right to have the information because the bankruptcy court they claimed supplied them with the information doesnt have it and they just flat out hang up on me just because I let them know our conversation is going to be recorded if they are doing what is right then whats the issue??? I dont want to purchase their services so they want to mis report information now all the sudden that has been the same for years because I have questions about whats on my report?
I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone. 
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.

2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years. 

3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan. 

4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX. 

This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX. 

Thank you, XXXX and XXXX XXXX
I Have a mortgage loan with CITI Mortgage. Since it is a variable loan i have been making {$3000.00} principal payments to reduce my balance. I just to include the additional principal with the payment and write down the additional principal amount on the coupon. Several times they misapplied the payment and applied it to the interest and the escrow amount. i have called them many times and it takes a lot of time to get them to correct their mistake. i then talked to a supervisor and was told to make a separate check. I started doing that but every once in a while the payment is miss applied. I dont know what else to do to get them to stop miss applying my payments. If it is happening to me it must be happening to other borrowers who may not look at their statements carefully.
XX/XX/XXXX XXXX charged m card for a service I did not purchase XX/XX/XXXX - contacted chase to dispute charge. 
XX/XX/XXXX - XXXX issued credit to my account per email they sent me. I forwarded the transaction info to Chase. 
XX/XX/XXXX - Chase contacted by letter & asked me to call them. They needed further info XX/XX/XXXX - Emailed letter to Chase with billing information and asked them to remove charge XX/XX/XXXX - Sent above email again & included a copy of a CHAT from XXXX saying they will credit the charge XX/XX/XXXX - Heard nothing. Called Cahse spoke to XXXX. She saw a credit on my account and recommended I wait for call from dispute dept. 
XXXX Charge still on statement but said payment not required. 
XX/XX/XXXX - Spoke to XXXX in Disputes at Chase - stated she will issue a courtesy credit within 15 Business days due to Supervisor Error XX/XX/XXXX _ spoke to XXXX/Supervisor. Was told Dispute dept. declined the credit because the transaction is too old. We got XXXX on the line and was told they processed a credit in XX/XX/XXXX and it was returned by Chase ( they did not post XXXX 's credit to my account ). 
XX/XX/XXXX - I submitted a complaint to the XXXX, XXXX XXXX against XXXX. 
XX/XX/XXXX - XXXX from Disputes Dept. told me he was investigating the XXXX complaint & will contact me back within 2 weeks. 
XX/XX/XXXX - I emailed Chase with XXXX 's credit memo info. to XXXX ( XXXX provided this email address ) XX/XX/XXXX - Emailed XXXX to follow up on investigation. I asked to be called or emailed regarding the status of XXXX 's investigation. 
XX/XX/XXXX - Received letter in mail from Chase dated XX/XX/XXXX. Letter stated they considered charge valid because of the significant amount of time that passed since my account was charged. They also stated the Merchant refused to issue credit ( even though I sent them proof from XXXX that a credit was issued on XX/XX/XXXX.
In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.
I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio
The following has been submitted to Bank of America VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent " could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Bank of America credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Bank of America since XXXX.