WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately 16 months ago, I reported my Citibank Simplicity VISA Card as lost or stolen. When Citibank issued me a new card, they advised me to give any authorized merchants my new card number. At about the same time, I cancelled ongoing business with one merchant, XXXX XXXX newspapers. I refused to give XXXX my new account number, but they refused to take no for an answer. Over the following more than a year, XXXX submitted charges to my account under my old account and Citibank authorized these charges and posted them to my new account number. I disputed every one of them. Citibank approved every disputed charge. Finally, on XXXX XXXX, XXXX submitted a charge of {$50.00} which Citibank approved, despite lack of authorization to do so.
I need Citibank to once and for all lock out ALL charges submitted under my old account number. I also need Citibank to permanently block any and all charges from XXXX XXXX for any amount, at any time, and for any reason. I also need Citibank to permanently reverse the {$50.00} charge of XXXX XXXX from XXXX XXXX. Federal law gives me the right not to have to deal with unauthorized charges and Citibank 's actions are violating these federal laws.
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed
In XXXX, without notice, XXXX XXXX XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my TransUnion report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my Transunion report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through Transunion to find the collection agency and pay off the balance there. I called Transunion to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. Transunion claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX mess. This should be XXXX responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.
The credit inquires on my account I have no knowledge of and I have not been successful in reaching the company itself.
( XXXX/XXXX/2015 ) I opened a Chase account with the promotion of {$300.00} for premier checking and {$200.00} for premier savings accounts. After receiving poor customer service and addressing concerns with the branch manager ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ), I continued to receive poor customer service. Since this branch is most convenient for me, I decided to terminate my relationship Chase. 

On closing my checking account first on XX/XX/2015, the relationship banker ( XXXX XXXX XXXX XXXX ) overdrew my account and reversed the promotion without informing me. I found out when I received notification through my cell phone application that my account was overdrawn and saw that the {$300.00} promotion was also reversed. I had to transfer funds from my savings account to prevent it from being overdrawn. She then informed me that there was a disclosure that I had signed that the account had to be opened for 6 months. After I notified her I was not aware of it, she told me I had signed for it and that she reopened my account. She proceeded to tell me that she will call corporate to tell them she accidently closed my account to get coupon reversal removed. 

After weeks of calling her, she told me she was not able to get coupon reversal removed ( XXXX/XXXX/2015 ). I questioned her about the 6 months policy and she told me it was written on the coupon. She also told me that since I 'm closing my accounts, she already informed everyone in the office my situation and that I could talk the branch manager about getting the coupon reversal removed. I informed her that I want to speak to someone who is his supervisor because he is the reason I am terminating my relationship with Chase. XXXX told me that their regional bank manager quit two weeks ago and that there is no one else I can talk to. I called the Chase corporate office and spoke to XXXX from the Escalation department and spent over 40 minutes with her to explain my situation. She told me a XXXX XXXX XXXX XXXX will return my call in two business days to address my concerns. I asked XXXX for a contact number for XXXX XXXX and she informed me I had to call the XXXX corporate number. I have not heard from XXXX XXXX. 

I reviewed my documents that I was given for my accounts. The relationship banker ( XXXX XXXX XXXX ) returned the coupon he had used opening of the account. It is no where in the disclosure documents that I had to keep this account open for a minimum of 6 months to secure this bonus or on the coupon itself. All the coupon said was that {$300.00} for signing up for direct deposit for savings and {$200.00} for depositing {$15000.00} for 90 days. 

I was never disclosed of this 6 months policy upon opening of the account or closing of the account. I have no proof of documentation of acknowledging this policy and nor were they able to provide proof that they " may '' have informed me at any point. Please see my attached documents.
In XX/XX/XXXX I was approached in XXXX XXXX while waiting to board a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Bank of America by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Bank of America and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card.
Bank of America Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as  directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I owe for a past due utility bill from XX/XX/XXXX. I received a notice XXXX XX/XX/XXXX that I owe {$90.00}. I responded back XXXX XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX XX/XX/XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it
Hello, i had financed a laptop for my wife for her birthday from best buy, i put more then half down i think it was XXXX $ around there, then i can back maybe a month or two after and paid it off in full in cash, either i got robbed by the person that was at the counter or best buy robbed me because i paid it off and now its on my credit score. 

NOT COOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

NEVER AGAIN!
On XX/XX/2018, XXXX XXXX XXXX  gave a potential creditor information that adversely affected my ability to obtain credit. The reason stated on the letter from the lender specifically noted " distance between address and area code of phone number '' to name one. I made a call to the agency, got a recording, left a message, received an automated call back to go to the web site and follow the instruction and mail in my request. The information they are requiring me to send is the very information we are advised never to send anyone. A copy of my DL, a copy of my SS card, DOB along with general address, phone etc. Then they further add they need a copy of one of  these : utility bill, lease agreement, bank statement, voided check or mortgage document. Anyone could have a field day with that information, how ridiculous. 

This it totally unacceptable, I wouldn't send that information to anyone via mail or internet. I want the information they supplied the creditor, it is apparently inadequate, erroneous and certainly outdated. 

I also wanted to freeze my report as I have with other companies, but in order to do so you need to send the aforementioned information. 

This company is giving information that affects peoples, they need to be sure their information is accurate and customer oriented.
XXXX XXXX or IQ Data has purchased a debt from XXXX at XXXX XXXX XXXX that does not exist. XXXX at XXXX XXXX XXXX is currently under suit by me. 

The attempted an Unlawful Detainer that they could not substantiate. I have a subsequent hearing in Small Claims court in my suit against this property. No stipulations exist within the court system and XXXX at XXXX XXXX XXXX ( XXXX ) communications contradict any and all statements with regard to an alleged " debt ''. 

The amount they claim owed can not be verified by XXXX who own and run the property. I have all the ledgers from my past year at this property. 

They are still libel for damages to my property and code violations. 

The debt as previously stated can not be verified. 

IQ Data contacted me and refused to name the party they obtained the debt from and harassed me for a day until I was forced to block the number.
On XX/XX/2018, I notified USAA via international phone call that my debit card was stolen/lost. I was advised that a new card would be sent to me within 5-7 business days. During this time and up to end of XX/XX/2018, I was traveling frequently and wasn't home all the time. On XX/XX/2018, as I was going through my mail, I realized that my debit card never arrived. I reviewed by checking account statement and noted that there was fraud on the account. I called on XX/XX/18, I again called USAA to report the fraud and order a new debit card. I was advised that a fraud claim was opened and new debit card ordered. I was told it would take 2 business days to have the money placed back into my account. On XX/XX/18, I conducted USAA via chat to inquire about the status of the fraud claim and was advised via chat message that a fraud case was never opened. USAA failed to comply with Regulation E, Section 1005.11 on XX/XX/18 when they were first notified of the fraud issue. USAA also mislead and lied to me regarding how long the process took to refund my money. Additionally, USAA has caused me substantial injury relating to financial harm as a result of failing to honor my fraud claim and continuing to charge me fees for overdrawing my account. Due to USAA unfair practice they have committed a violation of UDAAP pursuit to regulatory guidelines.
Sirs, according to your Consent order File no. XXXX XXXX Citibank NA has a consent order against them for several violations. I received a default judgement under these pretenses, on XXXX XXXX, XXXX, original start date XXXX. Citibank has never taken this judgement off the record as ordered by CFPB, nor have they wrote me on this subject. This should be a vacated judgement, as you have indicated the company to follow.
A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. 
Received a mailing from them last summer stating I owed a debt which they were hired to collect.
On XX/XX/XXXX I received a mailed letter ( dated XX/XX/XXXX ) from XXXX stating that my homeowner 's insurance policy had not been renewed, and that if not renewed, XXXX would purchase a policy for the house for an excessive amount. 

On XX/XX/XXXX I called XXXX customer support and was told to have my insurance provider ( XXXX ) send a renewal notice. I called XXXX on XX/XX/XXXX and requested the notice be re-sent ( they told me they had already sent multiple notices to XXXX. ) The representative from XXXX also found that my home loan number on file was incorrect. ( I am unsure of whether XXXX changed my home loan number, or if it somehow became corrupted on the insurer 's end. The insurance premium was paid out late by XXXX in XXXX and there was no misunderstanding about the loan number. ) The loan number was corrected and an updated renewal notice was sent to XXXX. I received in the mail a copy of this notice dated XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again and they said they had not received the new policy renewal notice. They once again asked me to send them another copy and I did so. There has been no response.
RE : Santander BankWithout notice to me, Santander Bank closed my account XX/XX/XXXX and tookthe balance for themselves without sending me a check. It was only for {$.00}, but thisbank has a reputation for bad bad customer service and corruption. When I went to use the debit card to close out the acct, it was rejected. 

I want the monies refunded, immediatelyXXXX XXXX
They called family members my parents and ex-father-in-law claiming I threatened someone and they needed a statement against me.
On XXXX/XXXX/2017, {$2000.00} was added to my account at JPMorgan Chase. I called to report this fraudulent transaction. The CSR refused to take any information about the transaction as " Their system was not working ''. When I asked to talk to a supervisor the CSR hung up.
Around XX/XX/XXXX, Allied Collection started reporting a retail collection, on behalf of XXXX XXXX, to my credit. According to the report, the account is from XX/XX/XXXX, yet this is the first I 've heard of it. I do n't know what XXXX XXXX is. I have never heard of that store, and certainly never shopped there. 

I tried to look it up online and all I found was a loan company with tons of complaints about fraud and operating without a license/illegally, etc. I 'm not sure if this is the same, since loans are n't retail, are they? 

Either way, the balance has somehow increased from {$300.00} to {$380.00}, which is also odd for an account that I did n't even know existed and has been closed for five years. I 'll be honest, the whole thing is suspicious, not least of which that I never got a bill or collection notice in five years.
XXXX XXXX denied me a credit card on Tuesday, XX/XX/XXXX ( which in itself is not a problem ). While they were able to inform me I had been denied both in branch and then over the phone, they refused to provide me with any proof of denial via email or through their system, informing me that they were unable to confirm that with another underwriting institution. Because they pulled a hard check on my credit, I am currently unable to receive that approved loan without the denial from XXXX XXXX. It is ridiculous that they were able to deny me within five minutes of applying and then supposedly unable to do so for at least 7 days. Additionally, during repeated phone calls to their customer service phone number, they repeatedly lengthened the amount of time it would take to receive my denial from 7 days to 11 business days.
I received a notice from XXXX XXXX that U.S. Bank had done a hard check into my credit history. I do not have an account with them and never have had one. I called them today ( XXXX/XXXX/17 ) to find out why. Someone has applied for a credit card using my ss #. I dont have any credit cards and hopefully never will again. I paid mine off years ago. This application needs to be denied and the report removed from my credit history. I dont need a crook messing up my good credit standing.
I paid to this collection company CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. {$340.00} back on XX/XX/2018. Later on they send a report to my credit agency without notify me. The credit report agency send a notification that a new account was report without any writing notification to me. the new balance is {$370.00}.
On XX/XX/18, I received an email stating I had reached the spending requirement to receive XXXX membership rewards points for my account ending in XXXX ( now XXXX ... due to American Express ' lack of customer service, in order to get a simple card replacement for a damaged card, I had to change the account number and didn't even receive the card when promised ). I contacted customer service via chat on XX/XX/18, who advised me that the offer was not on my account and no record of it or the email exists. To ensure there is no question as to the legitimacy of my concern, I have attached the email in both pdf and email format, and ask that American Express kindly fulfill the promise of the email without delay or hesitation.
I bought a house from Toll Brothers in XXXX VA. Toll brothers always recommended us to use their TBI mortgage. I signed up for a rate lock ( at 4 % ) with a promise that TBI Mortgage will renegotiate a lower rate if the rates dropped or if I could find a lower rate else where. The rates dropped really low once and I called them and asked if my rates changed. The agent agreed that my rate has dropped to 3.875 % and he is put in a renegotiation and get back to me in 2 days. He called me back after two days and said that my renegotiation has been declined because I am too far away from closing. at this point I lost trust in the lender and started shopping outside and got an offer for 3.5 % interest rate. I took it to TBI and asked him to match and waited for a week. My agent clearly told me that he will not match it and I should go with the other lender. Now Toll brothers has charged me a 1 % fee since I went with the other lender and not TBI. I never got what I was promised from TBI, then why should anyone charge me that fee?
On XXXX XXXX, 2015 I noticed an unauthorized and unrecognized charge on my American Express account which posted XXXX XXXX, 2015 in the amount of {$2300.00} by a company named XXXX XXXX XXXX XXXX. On XXXX XXXX, 2015 I initiated a dispute with American Express related to this charge. 
I received correspondence from American Express on XXXX XXXX, 2015 stating that the merchant had submitted a market analysis report as evidence that the charge was valid along with a typed message on the back which contained a one-sided conversation by the merchant. Upon closer inspection of this merchant it appears the company is based in XXXX, I live in the United States and have never done any business with anyone from XXXX. The charges were reapplied to my account. I am attempting to further my dispute but do not know what supporting documentation I can provide showing that the charge was fraudulent other than the geographical limitations of an authorized transaction occurrence. I am continuing to dispute this matter.
XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.
I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.