WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I reported unauthorized transactions on my credit card account number ending in XXXX with XXXX XXXX XXXX Per usual they advised me that they cancelled the card and entered a request to dispute charges. I declined to getting a replacement card sent because the card was initially stolen from my mailbox when Citibank mailed me a card that was already activated making it easier for someone to use the card. After a week and half of not hearing back from Citibank I decided to give them a call and follow up on the claims, and also on a credit alert that I had received regarding the account, only to be told that the claims were never inputed, they also pressured me into getting a card deliver by giving me the option of sending the card to a different address or sending it to my address on file but this time instead of sending it pre-activated that they would send it not activated, so I said yes and regarding the credit alert I told them the alert said I had closed the account. They advised me that it was because the old credit card account was closed but a new one was open for which they were getting ready to send me a card. I even received emails regarding the replacement card being on its way, and to notify authorized users that the account number had changed. Again they advised me to wait for the card in the mail. 

A few days later, I heard back from the claims that they were honored and the charges were reimbursed. However, two weeks went by and I had n't receive the card so I started getting worry thinking maybe it was stolen again. Therefore, I got on the phone with Citibank to find out that there was never a card being send to me because the account was actually closed off and that if I needed to reopen the account that they needed to pull my credit and caused me an inquiry on my report. 

Not only did Citibank closed my account improperly, the employee during my second call around this incident lied to me or gave me false information when she " reassured me '' that the account was n't closed and that the cards were on its way. This card was also one of my oldest credit cards and having the credit history of this account removed from my credit has affected me terribly. This mistake by Citibank and its employees cost me a declined in credit score. Citibank refused to open the card unless I gave them authorization to pull my credit which I opposed to because that would only affect my credit even more and it was one of their employees that made a mistake, I never requested for the account to be close. In fact, if conversations are really recorded you will find proof in my initial conversation with the bank that I was not requesting the account to be closed, because the representative did you that terminology. Therefore, to clarify, I stated that I was requesting for the card to be cancelled and not the actual credit card account and the individual seemed to understand. 

Citibank refuses to take any responsibility for the issue.
This company was contacted by me with an attempt to pay this debt, however upon further review this account is not mine. I have been a victim of identity theft. this item needs to be removed from my credit at once.
XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.
I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY. 

The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY. 

I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies. 

They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.
I believe I was apart of the credit inquiry problem that transunion had when they took the inquirys away then put them back
I have a Chase credit card with a limit of {$1500.00}. I've been making good strides to make big payments and trying to pay off the debt. I have received 12 envelopes in the mail in the last two months containing blank checks to transfer balances to the account I have been paying off. I called the company to ask for these mailings to stop and they said that it would take up to 90 days for the marketing mailings to stop being delivered to my house. I asked for marketing emails to stop and they said it would take up to 10 days for it to stop. For 90 days I have to worry about if someone will steal my mail and use the blank checks for my account.
Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I'am writing to request correction of the error described below in regard to the mortgage on my property at XXXX NY XXXX. My servicer was changed without my knowledge, I never received information regarding the change. My payments with my previous servicer was auth drafted monthly from my bank account never any late or delinquencies. I noticed my payment had not come out of my account and I contacted my previous servicer XXXX who informed me my loan was transferred to another servicer and I should wait to receive documentation in the mail. 2 weeks pasted and still no documentation. I again reached out to XXXX end of XXXX to inform them of this and was assured I would not be penalized in way because it takes up to 60 days of the change and I was given the contact number for loan care who I contacted and was told I would receive a package in the mail not to worry they did not have a loan number on file for me because the transfer was still in effect. I finally am able to make payment for XXXX and at that time I set up auto draft from my account. Effective XX/XX/2016 I receive notice the my credit score has dropped more than 80 points and its being reported to the agencies that I am 30 days past due on my mortgage, which I have never been delinquent in any of my credit accounts ever. I made every effort to arrange my payments accordingly and should not be held responsible for the lack of organization and professionalism from the loan servicers to make the needed transfer. My livelihood depends on my credit according to CFPB website consumers are not to penalized for such change when I made my payments on time all to be deducted electronically. I also reached out to my new servicer who was not in any way shape or form helpful with this issue. Your assistance in this matter is greatly appreciated. 
Please note that this is not a complete list of all possible errors, such as errors regarding your servicer 's failure to provide accurate information. 

Thank You, XXXX, XXXX
The Student Loan Listed as : ACS/XXXX XXXX Date Open XX/XX/XXXX is  reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX XXXX at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
TD Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest TD Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he " did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me.
I went on vacation 1 day before XXXX of my pay dates which was XXXX/XXXX/15, so the company said they would make my due date on XXXX/XXXX/15 since I was returning from vacation on XXXX/XXXX/15 and the company would be closed until XXXX/XXXX/15. They led me to believe my next pay date would be on XXXX/XXXX/15. Instead I paid my payday loan and they set it for XXXX/XXXX/15 instead of the XXXX/XXXX/15 I had been told. so in 3 days I would be paying another XXXX fee for a payday loan. I believe this is wrong and a way to take advantage of payday loan customers. I believe this companies need to be regulated closer and ones like Cash Express and basically using threats and extortion on their customers to scare them when all they do is collect court cost. They can not press criminal charges. Cash Express needs to be regulated better and not using scare tactics to intimidate customers. XXXX is the manager and XXXX was who waited on me.
I am doing an internal review of my graduate student loans and have found that Navient increased my student loan amount through capitalized interest in the amount over {$20000.00} duringa span of 3 years. During this time frame I just graduated school ( XX/XX/XXXX ) and was unemployed until XX/XX/XXXX. I was also not advised of the alternative programs which could of benefited me. My XXXX in XX/XX/XXXX relfected wages of approximately {$18000.00} During the time frame I do not believe Navient had the consumers best interest in heart in mind when dealing with the most economical approach to advise customers against forbearance and deferment. The practices have resulted in my total loan increase over {$21000.00} which I am still struggling to pay off with additional expenses. 

One capitalized interest charge in my account is over {$8000.00}. 

Navient was not transparent in informing me the costs would balloon my student loan payments in excess of {$20000.00} added to the principle. 

My loans under the XXXX XXXX XXXX were as followed : {$26000.00} {$5200.00} {$12000.00} Total amount {$44000.00} : Consolidated to a new vendor : XX/XX/XXXX - payment made XXXX
The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.
My Wells Fargo credit card was a promotional interest rate card ( deferred interest ) where no interest would be incurred if the balance was paid in full within 12 months. I missed the expiration date of the promotion period on the statement as it was on the second page of the statement. I understand from a question and answer segment on your website " Your credit card company must tell you the date by which you must pay off your balance to avoid being charged deferred interest. That information must appear on the front page of your bill. '' I was charged almost {$600.00} of interest at a 28 % annual rate.
I wrote TransUnion to dispute bankruptcy information on my report that is affecting my credit score. I asked for specific verifyable documentation proving this is my information, which they have not provided. Civil Case # XXXX XXXX, XXXX XXXX XXXX v. TransUnion LLC violated the consumers right to fair and accurate reporting.
I would like copies of Insurance premiums and cashed checks from my mortgage company Arvest Bank. As you can see for the year XXXX and XXXX stick out like sour thumb. You have closed case XXXX with out any merit or have given me copies of the Insurance Premium as well as cashed checks this has ROBO SIGN all over it, Also you have falsified and alter XXXX contract. Please see attached as you have removed the SCOPE OF THE WORK as well as the amount ROBO SIGN again. I have copies of originals Contracts from XXXX XXXX with initials in every page as well as a notary stamp with different dates. Also please see attached a copy of a new Authorization form from my new Attorney XXXX XXXX. This is not a duplicate complaint
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XX/XX/XXXX
Over ten days ago ( business days ) I requested Trusted ID Equifax to unfreeze my credit account and I was told it would take up to 48 hours. As of today, it is still frozen. I tried calling Trusted ID Equifax and Equifax itself to get help. I have been put on hold for over 10 - 15 minutes and been refused to be able to speak to a manager. I need my credit file unfrozen asap and I would not have frozen it in the first place if it was n't for their breach. This is hurting me as I have applied for a credit card with my credit union and they have been watching my credit file to see if it has been unfrozen. My credit union called me and informed me that my credit file had not been unfrozen on Friday, XXXX XXXX, 2017. This is very wrong that I can not speak to a manager and must be spoken to by someone reading off of a screen as to what to say to me. This is not customer service. Equifax should be polite and assisting clients in a professional manner because it was their fault all of this happened in the first place by not uploading security features. If nothing else, please make this complaint against Equifax for be uncooperative in assisting consumers. 

XXXX XXXX XXXX
On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.
TransUnion has XXXX XXXX XXXX XXXXn my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want TransUnion to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

XXXX XXXX XXXX
I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.
Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.
Last week, I was informed by Equifax that they were hacked and my personal information was stolen. I expect more from an agency that houses important, critical information.
I moved 2 years ago and they were sending bill to old address, so I never received anything. They had my new address and only sent to old address. I never knew about this bill until I checked my credit report. Now, I 've paid this around three months ago and it 's still showing it 's open and has balance.
I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.
I incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over.
I filed a complaint # XXXX on XXXX/XXXX/2016 I got a reply from the back today they stated they called me on XXXX/XXXX/2016 yes Chase did call me only to request I go to the branch to prove who I am and after I did that they maybe I could get the insurance money. I did that on the XXXX I did not hear from Chase again until XXXX/XXXX/16 at that time I was told a decision on if I could get the funds I needed to repair my home would be made on XXXX and someone would be calling me. As of XXXX on XXXX no one from Chase has called. In the reply it states they are reviewing it and will made a decision within 60 days. I have a forbearance on the loan that ends on XXXX XXXX I need to start repairs now so I can get back in my home and not paying rent and be able to get caught up on the loan. Also the damage is water damage and with nothing being done it is causing mold to grow and now the mold is going to have to be removed. Chase is doing everything they can to prevent me from repairing my home is it their plan to delay this and delay this so they can foreclose on my home. What they are doing is so unfair and not right at all! I have done everything Chase as asked and I did it within an hour of when they requested. I call Chase and email Chase on a daily basis and Chase goes weeks without contacting me when Chase says they will do something it is not done. I need the money to repair my home what they are doing is wrong!
XX/XX/2018 XXXX  - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX  is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.