WillisBack/dataset-financial-user-claim huggingface dataset:
I held a citi double cash rewards which i canceled. The day I paid the balance and closed the account, I tried to redeem the cash rewards balance. The website options for redeeming would not work. Any attempt to click the confirm button on any of the options would not work - in an attempt click on any possible option, I tried the gift card option. Selecting this option, logged me out of the site. 

I called customer service numerous times - waiting as long as 25 minutes - with no response. Finally, I tried the chat feature where I was told that customer service waits were adversely impacted by the launch of a costco product. I was also told that because I had closed the account that i needed to speak with someone to process the reward. Finally, after mentioning the CFPB, I was told that because I had closed the account I could not redeem the reward.
I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XX/XX/XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XX/XX/XXXX which is why I paid {$62.00} to catch up and I also paid again in XX/XX/XXXX. So I made a total of 3 payments in XX/XX/XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX  has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XX/XX/XXXX and that's why I paid $ XXXX monthly.
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal credit control
Bayview Loan Servicing refuses to send me monthly statements despite a Federal Bankruptcy Court order to do so. 
They are also withholding applying my payment to my account in a timely manner, essentially increasing the interest they earn. For example, I send them my check on the XXXX of every month but they do no apply the amount paid to my loan until two weeks later.
I have sent letters repeatedly to XXXX, Experian, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
I contact a mortgage broker who works for Thoroughbred Mortage. I needed to obtain a mortgage quickly and we discussed my situation and he said he could get it done within the next couple of weeks. He asked me what type of rate I was looking for and I told him XXXX XXXX with XXXX points. he looked at his offerings and said he could do that. We began all the paperwork, went through underwriting and then they suddenly sent me an updated disclosure that suddenly had XXXX of a point for my rate. I called him and asked him what had happened and he told me that he had not locked the rate in and unfortunately that rate was no longer available. Now he has me over a barrel because I need this to close. I think it was deceptive and dishonest. Is there anything I can do?
I have called multiple times to Aafes credit hotline in regards to a time sensitive matter. I had an account that was paid and closed XX/XX/XXXX, the credit reporting agency XXXX indicated that Aafes stopped reporting on this account XX/XX/XXXX to all the credit reporting agencies. XXXX has indicated to me that Aafes needed to update to today 's date or provide a letter to all XXXX reporting agencies advising them to remove it from my credit report. This issue needed to be handled expeditiously as I am a veteran trying to finalize on the financing on my home loan, without this I will be without a home. First contact was with an agent that had to advise her supervisor of the issue, I was directed to email a formal complaint in. After the emailed complaint was sent a week and a half later I received an email from their credit disputes department stating that my report was updated to please allow 30-45 days for it to show on my report. I replied back asking for a copy of the updated outcome for my mortgage company to help finalize their credit decision. I received no reply, which I called their number to speak directly with the agent who had emailed me. I was told that agent does not take consumer phone calls the Aafes supervisor told me I had to wait 30-90 days for a reply. I was told emails went into a que only XXXX be answered XXXX at a time, she nor did Aafes care about by time sensitive matter. I had to wait the allotted time until my reply email was back at top to be answered. The following day I called again in hopes to reach a more respectable, helpful supervisor. To my dismay I reached another very rude supervisor that had generic almost scripted replies, except this time I was told no one had even stated on my dispute yet. I informed the supervisor that I received an email prior to that day from an Aafes credit agent stating my report had been updated. I have continuously made contact with Aafes trying to get a copy of their credit report for my account, every time I am refused a copy and told to wait up to the 90 days for a reply. To my knowledge under the XXXX the consumer should be sent a copy of their judgment on disputes.
I contacted XXXX to let them know I was moving in with my daughter and that she already had an account so I could n't continue with mine. They told me to return my equipment to them and that they would waive my early termination fee because not only did my daughter have an account but I also had another account at my other home which I closed and paid an early termination fee due to going thru a divorce. 
a few months later I got a bill for the same exact amount due which was XXXX dollars and change so I called them and they assured me that this was to cover shipping fees on my returned equipment and that if I would pay it they would make sure there would be no negative information for my account. 
Next action I saw was that it was reported to Transunion that I owed {$290.00} to XXXX. I called the collection agency and they said they could do nothing about it and the only way to get it removed was to pay the amount shown. I asked them to verify this as it had to be a mistake and they hung up on me. XXXX was the collection company listed on my credit report for XXXX. I also called XXXX and they assured me that they would get it removed as I owe them XXXX but it has been over a month and nothing has changed. I am attaching my live chat with XXXX today again confirming that I owe them nothing. so please make this collection agency and credit bureau stop reporting that I owe money. 
my insurance has gone up and I am trying to buy a home so please assist me in this. 
I had a hard time saving the chat so I attached it in XXXX formats so hopefully XXXX is legible. Thanks much. 
XXXX XXXX XXXX XXXX or work # is XXXX XXXX. 
I can be reached from XXXX till XXXX Monday thru Thursday at the work number.
I have had my Best Buy card for about 7 years. I did not sign up for debt protection and I have been charged for this service since around XX/XX/XXXX until XX/XX/XXXX. I have asked for a refund at the end of XX/XX/XXXX for all of these fees I never agreed to and I keep getting the run around. The dept protection people tell me its Citibanks decision and Citibank tells me its the debt protection. I received 3 generic letters that assure me the service has been canceled but nothing addressing my refund. I have called dozens of times and I get the run around every time. I have asked for signature proof showing my approval for this service and still have not received anything.
There were three charges on my business debit card that I called to dispute on XXXX XXXX, XXXX. The rep at the time seemed to be unaware of the procedure, and I couldnt clearly understand him. However I proceeded with answering all the questions ask concerning why I was disputing and my evidence. I was told that I would receive a letter in the mail that I would need to sign and send back in. I never received the mail as told. 

After the holidays XXXX XXXX, XXXX I called again to get the status of my dispute and was told that they did not have any dispute on record. Perplexed, I asked what I should do. I was then told that they would submit the disputes properly and I proceeded to answer the same questions and provide proof. This time the rep seemed knowledgeable and was clear and cosice. She also told me that she noted my account on the previous dispute that was not filed properly. The next morning XXXX XXXX XXXX I receive a decision letter via email, stating they did an investigation and the funds will remain on my account. 

More perplexed, I called in that same day to find out exactly what was happening. This time a rep told me that the dispute was denied because they couldnt recover the funds from the merchant due to the date I submitted the claim ( essentially I was to late ). I explained yet again that I had previously called to dispute and it was not processed properly per the reps statement. And that I was told to resubmit because of it. The rep told me there was nothing they could do to help because they were unable to recover any funds from the merchants bank. 

Now, I have a merchant that will not refund and a bank that essentially dropped the ball and decided they will not help me any further other than submitting a complaint that does not remedy what actually happened to me.
1-I received a check in the name of my company and deposited it with my XXXX, All right until here. Then I kept the check in my wallet XXXX went to church 10 days later, I forgot that I bring the check in my wallet. I always deposit a personal check of offering, for confusion I deliver the check of the company ( Already deposited and collected XXXX instead of the personal check. 
3-The church deposits the check and my bank XXXX Wells Fargo XXXX pays it and withdraws the money from my account. 
4-I 've spent weeks trying to make the bank understand that everything was a mistake and there is no way to get my money back. The methods that the bank has suggested to me are like a comic movie. ( Go to the church ..., bring the one who gave you the check ... XXXX, I 'll call you tomorrow, .... We 're investigating .... Why you cashed the check 2 times ... XXXX 5-Wellsfargo must to return the money to my company simply because the check was directed at the company, not at the church. The bank should never pay the check to the church. In addition to that, the check had already been deposited and collected by the legitimate owner : My company.
I am long time customer of guidance residential which provide XXXX loan in XX/XX/XXXX I didnt have the hazard insurence of my building they send me the letter about the inside condo insurence I bought from XXXX .but not for the building insurence we have four unit condo building I took the condo inside insurence and send them the copy .after one year in XXXX they asked for building insurence I took the insurence from XXXX XXXX and send them but now they are saying give us theXX/XX/XXXX year building insurence Money which is already passed. I was late getting the insurence of 2017 and they bought the insurence for me and send me the copy which was reversed when I bought my own insurence but they didnt send me any letter or reminder to get the insurence ofXX/XX/XXXX they didnt buy any insurence of XX/XX/XXXX they didnt send me the copy of the insurence which they send in XX/XX/XXXX but they are asking Money for that I tried to solve the problem but they are not willing to listen please help its around XXXX dollars and other owner are not willing to pay thanks
Equifax stored my information insecurely, putting myself and family at risk. Furthermore, they are currently unavailable for " XXXX '' requests as of XXXX/XXXX/17.
I purchased a XXXX and I found out that their is a lawsuit against Toyota for racial discrimination against XXXX people because they charge a higher interest rate.
I called XXXX for a car to pick me up at a particular address. The driver showed up at a different address and refused to appear at the proper address and XXXX  charged me for the ride. I called American Express about the fraudulent charge and after going through many representatives ( including, but not limited to, XXXX ( last name refused to be given but purportedly in the XXXX XXXX office under ID # XXXX ) and XXXX ( purportedly her supervisor who only gave a 5-digit extension that is purportedly his ID number for employment and other purposes ) but they were unwilling to handle the fraudulent charge as it had not cleared their system. I have properly reported the charge under federal law - their refusal to take the dispute is, individually and as a company, perpetuating the fraud. I have also informed the individuals who refused to take a proper complaint that I will be traveling and do not have the time to continually chase American Express to handle a properly filed claim and it is up to them to implement their own procedures to handle a claim, which both XXXX and XXXX refused to do.
XXXX XXXX XXXX Total Card Account # : XXXX XXXX XXXX XXXX In reviewing my payments and credit report , I discovered Total Card , Inc. ( XXXX XXXX that is now XXXX XXXX XXXX ) is incorrectly showing reports of late payments in the following months : XXXX AND XX/XX/XXXX. 

Back in XXXX, I switched over and applied for automatic payments with their system at the time ( vs my bank ), but they had NOT taken effect unknowingly due to some system upgrade or glitch they had with taking automatic payments on a long-term recurring basis. They admitted to this fact at the time. I had since corrected this with XXXX XXXX at the time, got refunded fees, and have since paid automatic payments through my bank on time. However, this information is still incorrectly reporting on my credit report. 

Ive spoken with the bank about this in the past on a plethora of cases. I've written, called, faxed, and disputed with EACH credit reporting agency several times over the past few years but to no avail. 

In my last attempt, XX/XX/XXXX, I was misled in believing another " review '' was going to be done. I then received a letter that claimed they reviewed the very same day, but they provided no details into what was checked or what research was done. The letter was dated the same day as my follow-up call. 

Based on my last conversations with Total Card, they confirmed that they are NOT doing a real investigation. They are only looking at what the system says ( which is wrong ), and simply passing that along as their " review '' to the credit bureaus. They are NOT interested in reviewing the accuracy of their own system or happenings ta the time of my dispute. 

As a very last straw for me, per my conversation on XX/XX/XXXX, their supervisor ( " XXXX '', Badge ID XXXX ), stated they looked at my statements from XXXX and then just submits that as a review. In the same breath, when I ask him for my own statements to counter their review, he states they can not guarantee to provide this information and even attempts to tell me that if they do, it will cost me {$3.00} per statement to provide. He is telling I will have to pay for statements, that they MAY or MAY NOT provide, that is also INCORRECT, yet was claimed this is the very information they used for their " review ''. 

I have tried to diligently work with the credit servicer, but I now strongly believe they are not taking my issue seriously, and giving me the runaround. These incorrect strikes on my credit report are hindering me from getting the financing/rates I should. This is brought up every time I apply for financing or credit.
Equifax Reporting company is making to many hard inquiries to my credit report. The have listed improper and negative information on my report. I have disputed items several times with them on line and have gotten no satisfaction by their explanations. They have blocked me from using their web site to continue to dispute the information they have listed on my credit report.
I have purchased many items from XXXX on my Chase credit card. Many items are defective or fraudulently described or I have been overchargedor charged for items I did not order. Chase VISA has not been helping
I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
I fell behind on my mortgage after being robbed, and went to a government program for assistance. The program is willing to pay to get my mortgage current but requires a XXXX form to be completed ( a request for US Bank 's tax identification number ). As of date US Bank has not supplied the required document, rather continues to make threats via phone and letters that they are starting the foreclosure on my property/loan. I have been to the nearest branch office as I was advised to do by lender 's customer service hotline, and even the branch manager was unable to get assistance. After much frustration and many transfers the branch manager spoke with someone who told him to fax the document to " XXXX '' who would fill the form out and return it back to the branch manager. The branch manager said he would contact me as soon as the document comes. As of date, the document has never been completed by US Bank and the phone customer service representatives state they can not allow me to make any payments on my account because the company is requiring a full lump sum payment. I have spoke to approximately XXXX different customer service representatives that have given 3 totally different accounts as to why " XXXX '' is the only US rep that can complete the document, why the document has not been forwarded as suggested prior, and there have been at least 2 different " requests for the document '' that has been sent to " XXXX '' since the initial contact about the document, which was XXXX XXXX. Today as the US Bank rep put in another request for the document she stated that it would take a couple of days for the company to complete the document and send the fax back to the branch manager, but I was told in the last call ( I believe on XXXX ) that the document was already completed and " XXXX '' was just waiting for a fax number to send it to. There has been no attempt made by " XXXX '' to either contact me nor the branch manager that faxed the document and was handling the fax and/or document request from the beginning. The branch manager had given the US Bank rep the fax information with the document request on XXXX/XXXX/16, and made it clear in the call he made to customer service that the document was to be returned back to the branch where he would then notify me to pick the completed form up so that the total funds could be released. I am simply requesting that US Bank complete the XXXX ( request for tax identification number ) so that my mortgage payments that are behind can be made to avoid foreclosure. I am also asking that US Bank stop any foreclosure efforts they are attempting due to their lack of providing the required form to release funds. I have notified US Bank on a number of occasions of what is needed to release funds, I have also notified them that I would be contacting the CFPB if they do not comply and still they have not completed the required process for me to get the assistance in making my mortgage payments current.
A late payment was applied that was due to a fault in the auto payment setup. No fault of my own.
XX/XX/XXXX XXXX XXXX Account ending in XXXX Re : Your letter Fraudulent charges were made on my account around XXXX of XXXX and some before that with one in XXXX. This was a long list and a high balance of fraudulent charges. It was quite concerning but when I first contacted Discover, they said not to worry about it, they would take care of it. Almost a year later, they have not. The list includes individual charges from online and local merchants as well as balance transfers. 

I have snail mailed you, as of XX/XX/XXXX, documents proving that your balance for this account is incorrect Because Discover failed to investigate the charges, I took it upon my hands as a researcher and it took me weeks but I was able to obtain written documents and verbal statements from all involved parties confirming the fraud on this account. Those documents were mailed to Discover weeks ago and they did confirm they were received but refused to reopen the case and simply said they would contact the credit agencies that I disputed their findings. This is unacceptable! 
Discover has not handled my disputes or fraud cases professionally and thus the balance remains off in your favor. Research on Discover, in general, shows that they have a history of doing this where clients get frustrated and give up. I have asked them on multiple occasions to remove those charges that are not mine, immediately. Please note that I have contacted all of the companies on the list that they denied were fraud and all of them confirmed it was fraud. So, Discover was not honest. I have noted this is the type of treatment they provided me not only in my credit card account but also in my bank account that I closed last year due to the same issues. My proof shows you did not investigate my disputes and fraud claims, seriously. I have also spoken to a XXXX lawyer who is providing advice. I am on full XXXX and am living on my XXXX  of {$1000.00} per month. The way they are treating me is discrimination against the XXXX on top of that they are causing me immense pain and suffering due to the stress from worrying about this. 
I will not be paying Discover anything until all fraudulent charges and legitimate disputes are removed. I am happy to document what I found but there are about 100 pages that I had to print out and mail to Discover. I am also happy to document my condition with my physician if that would help. I not only want to help with discover but I want to make sure this doesnt happen to other innocent people in the future. When your card is used fraudulently, it is very stressful and your credit card company is supposed to be there for you to support all of the false charges. This is their job. Discover failed, miserably. 


Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I L XXXX