WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX-XX/XX/XXXX - When trying to downgrade my XXXX package to an internet only package at a price of {$64.00} I was instead signed up to a TV and Internet package at a cost of {$100.00} without my consent or knowledge. 

XX/XX/XXXX - XX/XX/XXXX - Once I realized that the incorrect amounts were being charged I instructed my bank to block all payments to XXXX. 

At the same time I called XXXX and requested a copy of my upgraded contract. The customer service representative told me that they had a new contract but they had not received a signature or endorsement from me so it was invalid. The issue was escalated and I was told that I would receive communication within 4-5 business days. 

I did not receive any further correspondence, instead I noticed on XX/XX/XXXX that the amount of {$300.00} had been placed on my credit report under Diversified Consultants. 

The {$300.00} relates to an amount for TV and Internet Services that I do not owe as the contract was fraudulent. It also included an amount of {$100.00} for early termination of the contract ; again I had not agreed to this fraudulent contract. It also includes and amount for unreturned equipment ; I returned the equipment to my local XXXX store and the employee had noted it on the system. When I called XXXX the customer service representative told me that they had in fact received my returned equipment but had charged me the extra fee anyway. 

It appears that the XXXX employee with whom I spoke to downgrade my contract took it upon themselves to instead upgrade me with an extended 2 year contract. 

It also seems that XXXX 's business model is to charge false fees with the hope that customers pay without checking what the fees relate to. I had no way of accessing statements once my account was closed and the only detail was the total amount due. I have been horrified by XXXX 's fraudulent actions and I want to escalate my concerns so that an investigation can take place. I fear that XXXX have been committing theft/fraud on a grand scale.
I made a deposit with XXXX XXXX XXXX using my Citi XXXX XXXX card ending in XXXX for {$200.00}, with monthly payments of {$35.00}, up until full payment and to now I have paid {$300.00}. I read the Legal Cruise Contract for XXXX XXXX before booking ( my booking # XXXX ) and it stated full refund up 61-days prior to sailing for 2, 4, 5, etc. day cruises. At that time I searched for Cruises to XXXX, there were no cruises available on my specific dates. I later found the same cruise ( booking # :XXXX ) for a longer duration and paid the {$150.00} deposit. I tried to cancel the first booking and so after I paid, THERE IT IS, if you want to cancel, you will have to pay {$49.00} per person totaling {$100.00}, however when you are booking the cruise nowhere can you find this information a total entrapment. When you call the agents, they tell you its on the website, but for the consumer it is very hard to see how much you will be charged. I looked and looked until I found a cruise contract. I am booked for two cruises in the same year XX/XX/XXXX to XXXX and XXXX is refusing to assist me with moving the {$300.00} over to ( booking # :XXXX ) so I called Citi to assist with a dispute and Citi has really made it worse. Yesterday I was on the phone several times trying to get assistance in opening a dispute, however Citi gives me a {$35.00} credit for one payment to XXXX and opens a dispute for the wrong cruise even though I made it clear to the customer service agent I was speaking to. I called again this morning the customer service agent gave me a credit for {$1.00}. I opened a dispute that Citi doesn't understand why. XXXX XXXX needs to stop the misleading advertisements. I have cruised several times and this was the first time I have seen misleading advertisement about canceling. It's just not clear and Citi made it worse.
i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
Please combine this with XXXX or delete that complaint so citi is not getting XXXX complaints for this. I am not able to update XXXX so I 'm filing a 2nd complaint. 
I realized the issue, it turns out there was an unauthorized transaction from my checking account and the electronic payment of {$1300.00} that I submitted XXXX/XXXX/16 was then returned. 
I will say the fee description of returned check is confusing, I did n't send a " check '' that was returned. Also, I read through the terms and conditions again and no where does it say when making a payment that you 'll submit the payment numerous times if it does not clear. I have {$90.00} in fees from my bank because you 've already submitted it 3 times. That is clearly misleading and even if you sneak the ability to attempt to pull the payment over and over again into other disclaimer language somewhere, it 's certainly not provided when making a payment. Hence, I did not expressly authorize it. XXXX concern? I think so.
I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. 
I told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %.
I had a car financed with a friend, we were behind on making payments, but we were nearly caught up when XXXX XXXX XXXX decided to repo the vehicle. They neglected to tell us we still owed on the vehicle, this was back in 2012. This year XXXX has filed a complaint with the courts ( lawsuit ) back in XX/XX/XXXX they initiated contact at my work, they were asked not to contact me there anymore, they said I failed to the court proceeding and I did but incorrectly, they decided to send the letter to my job, my store manager was furious since we already told them not to contact me there.
Nationstar has stopped sending me my monthly statements since I pay on line. They do not have the right to stop sending me monthly statements
On XXXX XXXX, I submitted an online request to change my direct debit bank account. I was informed it would take up to 45 days to reflect on my account. I called back in XXXX and was told the new account would take place for my XXXX payment. 
I called back in XXXX, XXXX XXXX, and the rep ( # XXXX ) told me she had to email the direct deposit team and somebody would get back to me. Nobody got back to me, so I called again early the next week, around XXXX XXXX, and the rep told me to call back again later as no information was available yet. I called back yet again today, XXXX XXXX, and the rep XXXX # XXXX XXXX told me that the change would not take place until after my next payment. My payment date is the XXXX of every month. She suggested I call back on the XXXX ( my 5th call on this issue ) to confirm this change had taken place. 

This is unacceptable timeliness for what should be a simple change. This is the second issue I have had with AES, the first being when they changed my last name to reflect my mother 's new last name following her divorce ( say, my mother is XXXX XXXX and I am XXXX XXXX, when my mother got divorced and changed her name to XXXX Maidenname, they changed and FILED WITH THE IRS my name as XXXX Maidenname, and said they could do nothing to correct this. ) I have the impression they know they have consumers against a wall and just do not care because once you have your loan with them, you are stuck.
1. Security breach.

2.XX/XX/XXXXXXXX XXXX -I spoke with XXXX/Equifax. She said the flag on the port alert will be removed within 48 hours. Equifax call back number : XXXX. Confirmation number XXXX.

3. XX/XX/XXXX - The Equifax control number XXXX  has been closed. However the fraud alert is still active and can not be removed without written notification. This process is holding up my mortgage loan application from being approved per my load officer at XXXX XXXX XXXX.

4. Because of number 1 above. How do I remove my profile information from the Equifax database? I have major trust and customer service issues and their inability to resolve my issue ( removing the fraud alert at my request ) with this organization.
I am contacting your office to file a complaint against Lakeview Loan Servicing. They have taken over my FHA mortgage loan from XXXX XXXX and have been difficult to deal with. Our family went through some hardship and temporary loss of income and missed some payments on our FHA loan and have been trying to fix the problem with Lakeview. The issue is that we keep getting transferred from one person to another at Lakeview and they have failed after several months of trying to open any type of review of our information for a workout. I know that there are supposed to be several different programs available for homeowners who are struggling with FHA loans, but Lakeview Loan Servicing is not giving us a chance to be considered for any of these programs. Instead they are difficult to communicate with and seem more interested in pursuing foreclosure than in trying to work with me to fix this problem. <P/>I live in this property with my husband and son and daughter in law and their XXXX children. I was able to buy this property and qualify using my monthly income from my position as a XXXX XXXX, but the plan was for my son and his family to contribute towards the monthly household bills in order to make things work. Unfortunately, not long after we closed the deal my daughter in law lost her job. I held things together for a few months but soon was in a position where I would default on this loan with XXXX. I contacted XXXX and was put into a trial plan and I began making these payments with the expectation that my daughter in law would find work but she did not and I was not able to fulfill the trail modification payments. As a result I was kicked out of the offer. <P/>A few months later our financial situation changed and improved and we began trying to get XXXX to work with us. We then found out that our loan had been transferred to Lakeview Loan Servicing. I  began trying to contact them in order to make this situation right. I was told that they would not accept my regular mortgage payment, and that the only thing I could do was to repay all the late payments and attorney fees and late fees all at once. This was not possible. <P/>Their agents told me they would open a review of our case, but then our point of contact kept getting changed and it seemed that we were constantly getting the runaround. We could not make any progress and I dont think a review of the current and correct financial information was ever conducted. As a result, we are now falling into foreclosure. <P/>I dont know why Lakeview Loan Servicing is denying me access to these FHA programs. Why is my family not being reviewed for a partial claim, forbearance agreement, repayment plan, restructured loan or another modification? I dont understand why I cant even get a straight answer out of their loss mitigation department.
XXXX XXXX XXXX, XXXX was attempted to collect the debt with me and kept call me with different number. i was told them that i was attached to chapter XXXX bankruptcy, but they still called because the prior creditor they know that i was attached to bankruptcy, and portfolio recovery bought from prior creditor on XXXX 2016. and they seem like they never fixed the problem even though they knew it was including in chapter XXXX
i have a home improvement loan through associated banks.i have informed them that i must let the house go to foreclosure. this was over 1 year ago. when they wrote the loan, my home was to be the collateral for the loan. how ever they disregarded the title report indicating that i was n't even listed on the title. my XXXX deceased brothers were listed as tenants in common on that title report. because our local family lawyer, XXXX, misinformed me as to what i had inherited as a sole surviving son. and also never back checked any of the legal actions he had preformed for my family. this left me with an unsellable house which i have remodeled, but do n't own. associated has been elusive on reveling what actions they plan against me for defaulting on a loan they should never have written in the first place. XXXX XXXX is the loss mitigation manager whom Ive spoken with in the past. almost impossible to be reached by phone, very aggressive & confrontational. according to a recent inquiry with XXXX XXXX as to the state of the loan, she told me the bank had given up on the loan & it was not being sent to collections. i have since been denied access to that contact & referred to XXXX XXXX. they say they do n't want the property, yet there is still a lean against the title preventing me from selling the home.
My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.
This was for a medical procedure that was contingent on it working.My MD & me agreed if it did n't work, I would n't be charged. We worked at the same hospital system.
I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/XXXX2018 Inquiry date : XX/XX/XXXX2018
For over a year Ive had issues with XXXX XXXX ( which services two of my store cards ) and their system processing my checking account with payments. Ive called the company multiple times, explained the issue, and been asked several times if my account information is correct. After assuring them multiple times that not only is my account information correct, but that I have no issues using it for any other bill payments, the company often has allowed me to use a debit card without paying an extra fee. Last time I called to resolve the issue, the service rep on the other end told me Well, its not late yet and said she couldnt do anything and I should call my bank to see if anything has changed ( it has most definitely not ). Ive now fallen behind on the payment due to the inability to use my checking account information and I am receiving nearly 20 calls a day from their system attempting to get in touch with me about it. Today was the final straw when between XXXX and XXXX I received 13 calls from them.
When Costco switched from XXXX XXXX XXXX XXXX XXXX to Citibank, Citibank decided to change the cash award period that they paid in XXXX to cover a calendar year instead of the XXXX through XXXX period that XXXX used. This meant that even though Citibank paid the award in the same month as XXXX XXXX XXXX XXXX, they only paid their customers for 11 month of their cash awards instead of XXXX.
Set up new personal account at Capital One 360 with {$500.00} cash. The agent did n't disclose that opening funds would be locked for 14 days. No access.
I am based out of XXXX. I hold an AMEX Platinum Reserve Card. During XXXX XXXX, AMEX conducted one promo where if card holder makes INR XXXX spend, qualified for INR XXXX worth gift voucher. I qualified for the same but never received the vouchers. 

I made numerous calls to AMEX support center in XX/XX/XXXX to get them send me the vouchers. Every time I hear from them that they sent the vouchers, but I never got it ( I was keenly checking my inbox and junk folder daily for the voucher arrival ). 

On XX/XX/XXXX, one of the representative sent the voucher from her personal email ID in which I first saw the voucher, which already expired on XX/XX/XXXX! 

Again I had spree of calls with their complaint escalation chain several times. They kept on delaying the response and every time come back with same answer of not providing me a valid voucher. 

I reached up to the top level of escalations. Now I somehow manged to get the call recordings of the calls I made to the customer support several times in XX/XX/XXXX. I need help to get the voucher which I am entitled to.
In XX/XX/XXXX I moved to XXXX from XXXX I contacted Countrywide and told them that I had {$61000.00} and needed to buy a home. I had an appointment to meet a lady at the XXXX XXXX XXXX. I was on XXXX, and had just gotten a job as a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX. I gave them my information in a week I got the home. In XX/XX/XXXX or XX/XX/XXXX I was given information on direction on where I was supposed to meet them also the bank information with a cashier 's check of more than 61,000. The first mortgage payment came in shock I contacted countrywide to let them know that the payment was too high for me that I do n't make that much, I was transferred from telephone lines to lines to avail. after two years of struggling borrowing money from family members and friends until I could n't get anymore. In XX/XX/XXXX I was served with foreclosure I was referred to many people for help including XXXX XXXX XXXX which I paid {$400.00} plus a month till XX/XX/XXXX They never helped, they always dismissed all of my request for help I never know who my lawyer was. In XX/XX/XXXX I filed for bankruptcy with another lawyer my home was included in it, after maybe a couple of month bank of America removed itself from the bankruptcy I asked for a modification during the hearing mediation, bank of America told me my lawyer and the mediator that I was not qualified, they do not participate in the Obama assistance program the only thing they can do for me is that they will sell me the home for {$190000.00} but I have to give them {$30000.00} down if I can not give the money they can not help me because I 'm qualify for the modification. I told them it was the same money that I am making now that I purchased the home I never got a raise. they said no and sold the home to itself. My last day to leave my home is XX/XX/XXXX I have no money to rent and they were not going to help me financially if I do n't moved the sheriff will put my stuff out on the street. I am left homeless because I trusted countrywide. Also Bank of America has my daughter 's name XXXX XXXX in all legal documents in which my daughter has nothing to do with the mortgage and the foreclosure that is not right when I purchase the home my daughter was a child I do n't think it 's fair to do that. Thank you
Reporting a collection from a third party collection agency XXXX. They were unable to validate the debt within 30 days, still reporting. I disputed with the credit bureaus asking them to VALIDATE not verify with a XXXX digit code, they refused and did a XXXX digit code verify and did not VALIDATE still reporting negetive. 
Received court documents on a judgement that 's not mine that was reported by a third party not the court. All credit bureaus except for equifax removed after validate the judgment was not mine and received the court notice stating the same
We are in a hardship and received a letter regarding bringing our account current by XXXX XXXX, 2015 to avoid foreclosure proceedings. When I called on XXXX XXXX, 2015 XXXX to make the payment to bring the account completely current per Citi 's letter, I first spoke with XXXX. He transferred me to XXXX and at approximately XXXX, I was told " it did n't matter '' and that " I was in " their '' department now. '' I could make payments, but it would n't mean anything. XXXX was extremely rude and condescending. I asked to talk to a manager and she said " MANAGERS DO N'T TAKE CALLS ''. She kept condescendingly saying we had n't made any payments. We have. I told her this and she said " well it was n't enough and you 're in our department now. '' When I asked why they were not honoring what they had sent IN WRITING to resolve the delinquency she said " their department '' did n't write it, she did n't know who did, THAT LETTER MEANS NOTHING and just kept repeating herself.
I researched refinancing my loan in XX/XX/XXXX. I had already gone through most of the process with a different company when I got word of Capital One Home Loans, who was offering a special discount on the origination fee, which made their product worth my time. I closed the new loan with them and made my first payment XX/XX/XXXX. It is currently XX/XX/XXXX and I just received an email from a new loan servicer that states they now have my loan in their possession. 

1. I never received a letter of transfer from Capital One - they said they sent it, it never got to me- I called as soon as their office opened XX/XX/XXXX - the day I received an email from the new loan company. 

2. I have written documentation from the loan officer that my loan would not be sold, which was the reason I stayed with this company for my refinance - he lied to me so he could make money off me. 

3. My loan estimate states on it that the intent is for Capital One to service my loan, not sell it. 

I need to know how to resolve this issue or if I need to take alternate avenues.
I sent a letter to TransUnion on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from TransUnion that provides information about inquiries and to contact the creditors although, it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted TransUnion on XXXX/XXXX/2016,XXXX/XXXX/2016, and XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I was told I needed to contact the creditor each time and I requested a supervisor call and never got a call. So on XXXX/XXXX/2016 I was told by XXXX they were contacting the creditors for verification I have since contacted each creditor by phone and by letter. I have already contacted each creditor by phone and they directed me to mail a letter. I have not received a repspone from the creditors to date. I called on XXXX/XXXX/2016 and was advised no dispute was being processed that I needed to contact the creditors and I stated that I already did contact them and asked for a supervisor and they hung up on me. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.