WillisBack/dataset-financial-user-claim huggingface dataset:
After calling Citi Bank to request the payoff amount, I paid the balance off in full on XXXX XXXX, XXXX. I received my next statement saying that I owed additional interest of {$9.00}. I was told when I called about it, that it would be removed. However, it was not removed and later went on my account as late. I called again and eventually paid the {$9.00}. This card was used to pay for a trip so the next month that charge was on the card. This was a large purchase so I paid for the charge in two payments. When I made the last payment, I call XXXX once again to make sure I was paying the entire balance, including any interest. After I made the payment to the person that I was on the phone with, I cancelled the card and requested a letter stating that the balance is zero and the account is closed. I was lead to believe that everything has been taken care of, however, this month there is interest due again.
Purchased {$1.00} Experian credit report. Found that they had signed me up for $ XXXX/mo service. I cancelled the service. Turned off the communication preferences. They are still sending multiple marketing emails every day. There is no method on their web site I've found to fully delete my " account '' or fully stop marketing emails. I've emailed them. I've waited on hold for 1/2 hour unable to reach someone. 

This is ridiculous. If we have to interact with big 3 credit reporting companies, they should be held to some minimum standards. They should not trick customers into purchasing services they do not want. They should prominently provide method to cancel marketing emails. They should prominently provide method to remove my account from their system.
I had purchased the following amounts from Coinbase on the following dates : XX/XX/XXXX one transaction for {$270.00} and one for {$220.00} for XXXX. These cleared on my bank account on the following dates : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I was charged without my authorization and for NO product for the same amounts on the following dates which have cleared on my bank account and I have not been refunded : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I included screenshots showing that I only made those transactions on XX/XX/XXXX as shown in the recent activity area.
I was contacted by XXXX XXXX XXXX XXXX XXXX, NC XXXX about a defaulted student loan. I was well aware of the loan status. I emailed the documentation, and made 5 required payments for rehabilitation, of {$65.00} each beginning XX/XX/XXXX. I was contacted XX/XX/XXXX with a wage garnishment notice from my employer. I was told that because we did not sign the tax document on the correct line, and signed at the bottom of the document, that our documentation was not correct. They also stated that there was not proof of the other student loan payment that I was making, although I sent the statement from XXXX, showing the payment amount of {$130.00}. When I contacted the company on XX/XX/XXXX, I was told that I would have the garnishment amount of approximately {$310.00} along with another 5 months of rehab payment, now at {$350.00} instad of the previous amount of {$65.00}.
Last month I started receiving calls from unknown numbers. They did leave a voicemail to call a number back or log on to citicards.com and they could help me. I XXXX the numbers and there were multiple people suspecting the number of fraud. So I logged on to citicards.com and there were no alerts. I sent a secure message about the calls and they gave me this reply, " Dear XXXX, Thank you for contacting us. We appreciate each and every opportunity to serve you. 

Our records do not show that we have called you regarding your account. 

If you think that the card information is at risk, please call Customer Service immediately. Once your closure request is processed, the current card is closed and a new card number is established. 
XXXX. 
If there is any way we can be of further assistance, please feel free to contact us. 

Sincerely, Account Specialist South Dakota '' So I assumed it was fraud, but the calls continued. I finally was able to answer XXXX and it said that it was a citicards account that was past due. Because of the additional time that lapsed, they reported my account as delinquent. This seems unfair since I took the exact step from their phone call and was told by Citi that they were n't trying to get a hold of me. Now I have a late payment on my credit report from Citi because Citi told me they were n't trying to contact me.
Macy charge me a sneaky XXXX $ minimun interest, even though i have n't use that card for months.
XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, Equifax, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
I applied for XXXX credit card with XXXX XXXX on XXXX XXXX, XXXX. The bank ended up submitting XXXX credit inquiries on my Transunion credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my XXXX and XXXX reports.

CITIZENS ONE HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Date Opened: XX/XX/XXXX Responsibility: Individual Account Account Type: Mortgage Account 
Loan Type: SECOND MORTGAGE Date Updated: XX/XX/XXXX Payment Received: XXXX
Last Payment Made: XX/XX/XXXX Original ChargeOff: XXXXXXXX
Pay Status: >Account paid in Full; was a Charge-off< Terms: XXXX per month, paid Monthly for 180 months Date Closed: XX/XX/XXXX >Maximum Delinquency of 120 days inXX/XX/XXXX and in XX/XX/XXXXfor XXXX< High Balance: High balance of XXXX from XX/XX/XXXX toXX/XX/XXXX; XXXX from XX/XX/XXXX toXX/XX/XXXX Estimated month and year that this item will be removed: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
My student loan payments were higher than what I could afford, I contacted Navient and asked if I could have the amount due lowered and was told that was not possible. Another time later I had contacted Navient and asked how I could have my co-signer taken off the account and was told that I could only have the co-signer removed by proving they were financially unable to pay for the loan. My loan amount due dropped to XXXX for approximately a year without any explanation then increased to higher than it was before.
XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.
The company who services my mortgage loan has failed to remove PMI, despite the fact that I have achieved 78 % loan to assessed value ratio.
I want to file a complaint regarding 2 missing house payments that are not being accounted for by my mortgage company. I did not miss any payments for XX/XX/XXXX until XX/XX/XXXX. I started getting behind on my payments XX/XX/XXXX. I missed XX/XX/XXXX and XX/XX/XXXX, then I started paying my house note on XX/XX/XXXX for {$5200.00}, paid {$5200.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5100.00} on XXXX, paid {$360.00} on XX/XX/XXXX suspense shortage, paid XXXX on XX/XX/XXXX suspense shortage, paid {$12000.00} on XX/XX/XXXX, paid {$3000.00} on XX/XX/XXXX thru XX/XX/XXXX. I have paid a total of 9 months of payments to pay my house notes. XXXX XXXX XXXX XXXX is only accounting for XXXX payments which is incorrect. Please review all documentation enclosed. I have order a total print out from XXXX to clarify payments and other institutions. However all payments up to XX/XX/XXXX is on my account activity loan payments from Bayveiw Loan Servicing LLc. And all the payments from XX/XX/XXXX until XX/XX/XXXX I have. I am in the process of a loan modification that is approve on XX/XX/XXXX. However I donot want to close on it until this error on the monies paid are corrected.
XXXX got this debt firat and then sold it to XXXX XXXX and then sold it to Sullive asset management. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )
I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. 
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 
XXXX XXXX
Hello. 

I've been a customer of Wells Fargo for about five years in DC. 

Recently when I called the automated line they asked me to say my name in order to record it and use it for identification/security purposes. I don't feel comfortable with that because I don't think it's respectful of privacy and I didn't. They put me through to a customer service agent on that call. 

About a month later I called again and this time their automated system would not put me through without me saying my name. This was never asked of me in the past five years. I managed to get through anyway by pressing zero about ten times and made a complaint to them about requiring my name to be said and about trying to get and use my bio-identity without my permission. 

I called them again recently to return the call of their rep who had left me a voicemail. I had deleted the vm by mistake and forgot the caller 's name and this time they required me to say my name before they would look at my account or before they would speak with me. I refused and asked to speak with a supervisor and the supervisor also refused to speak with me without me saying my name. 

She then tried to get me to say my name in a sneaky way, by saying she needs me to say it in order to continue speaking with me and when I asked her if it was for bio-identity purposes she denied it but she would not settle for me spelling my name. She also engaged in other mildly sneaky or disengenous behavior I feel. 

I am going to close my account because this is a dealbreaker at this point but I find it hard to believe that this kind of behavior is legal. 

I would hope that you will prosecute them if it's not legal behavior. Would you please inform me whether what they are doing is legal or not? 

Thankyou very much, XXXX XXXX
I filed for bankruptcy back in XX/XX/XXXX, and cashnet usa was notified of such, yet I get an email last week saying they sold my loan to a collection agency and of course now this is on my credit too ( collection record ). I emailed and advised cashnet USA that it is against the law to continuing trying to collect on something that was included in bankruptcy and they needed to pull my account from the collection agency and stop all collection efforts but it still has n't been done. They continue calling me trying to collect.
The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.
On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me.
My wife was made aware of an outstanding debt she owed to XXXX XXXX College. She did not receive any notice and only found out about it when attemtping to request transcripts. The debt is from XXXX and neither the school nor the collection agency have described to us the nature or reason for the outstanding debt. 
The original amount owed was {$370.00} and has escalated up to {$1100.00} due to interest and fees per the collection agency. We have sent a debt vericication letter on XXXX/XXXX/XX/XX/XXXX and are still waiting for a response. 
After talking to them on the phone they offered to settle the debt for {$750.00}, without verifying the debt. Since we just want to take care of this we agreed to meet their settlement for {$750.00} but they absolutely refuse to provide us with a letter or email of verbal agreement describing the settlement. The only explanation they offered is that it is company policy.
This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The monthly payment changes from {$240.00} to {$0.00} also inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate!

2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX which is different that the other bureaus. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Experian is a scammer company that will charge from your credit cards without any permission from you. I paid {$4.00} one time fee to dispute some credit report errors without signed up for any free trials or wish to become a paid membership, then I got charged {$14.00} on my credit card for the paid membership monthly fee that I didnt sign up for. This is a straight up robbery!
XX/XX/XXXX I received an alert that my loan with XXXX XXXX XXXX is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.
Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.
Midland Funding has been on my file since 2013. I asked several times to show proof of the debt and the company keeps sending me a bill. The problem is Midland Credit debt has been removed off my credit twice, which last week it was removed again now they have placed it back on my credit. The origin creditor which is XXXX is also reporting at the same time for the same debt.
On XX/XX/XXXX myself and XXXX other roommates leased a house for a term of XXXX year. During this lease the property fell into foreclosure and was bought by XXXX. When XXXX purchased the property they gave us the option to sign a new lease with them or they offered to honor the existing lease terms. My roommates and I decided to honor the existing lease that we had already signed which contained an {$1100.00} security deposit. There was no written agreement of any sort between XXXX or myself stating that they had decided to honor the previous lease. On XX/XX/XXXX we signed an " Intent to Vacate Notice '' which was then sent to XXXX. We received correspondence XXXX XXXX on XXXX XXXX stating he would conduct our check out inspection and that he would be leaving a key box on the door the following day. We never received a copy of the move out report and have been charged {$410.00} for property damage. I never received any notice by mail, email or phone about the damage. I XXXX became informed after XXXX XXXX a debt collection agency out of Florida called me and requested that I pay this debt. I received several phone calls about the debt and had asked to be sent a copy of the invoice for what XXXX was charged for said property damage. They claim that they sent a copy via mail in XXXX which I did not receive.
Applied for forbearance. Haven't missed a payment in XXXX years. During the process they hit me with a late payment on my credit. 
Lender is BB & T
I am concern that my escrow analysis is incorrect and I need someone outside the mortgage company to review it. I know about the XXXX escrow payment of the total needed during the year and XXXX cushion amount of the total amounts needed for the year. My escrow payment is XXXX and the XXXX cushion is XXXX. But I already have XXXX in escrow and they are demanding an additional XXXX which is more than a XXXX dollars over the XXXX cushion by years end. I spoke to the escrow analysis team and they claim it is an addition just in case. My taxes last year were XXXX and my hazard insurance was XXXX which is a total of XXXX. My current escrow is XXXX. With the additional escrow of XXXX. The XXXX XXXX XXXX. Brings my account over the legal limit as prescribed by federal law. I need someone in your department to take a look at it and check the calculations of the mortgage company. Your time and consideration is greatly appreciated The lender is CITIMortgage.
I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.
To the best of my knowledge {$400.00} dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of {$740.00}