WillisBack/dataset-financial-user-claim huggingface dataset:
I have two areas of Concern. 

1st - For my Pentagon Federal Credit Union XXXX Credit Card on XX/XX/XXXX I received a 12 month 0 % balance transfer of {$9000.00} to help pay off another credit card. I have been paying on this credit card for 10 months. The expiration of the 0 % transfer is due to expire on XX/XX/XXXX according to my statements. On XX/XX/XXXX I called Pentagon Federal inquiring on another balance transfer for another 12 months at 0 %. In the discussion the attendant told me that any payments would buy down the first 0 % balance transfer made on XX/XX/XXXX as long as no interest or other purchases were made. I then decided, on XX/XX/XXXX to have another 0 % balance transfer of {$6000.00} to help pay off another credit card. I paid {$950.00} that month and all the money, minus balance transfer fee, went to the XX/XX/XXXX balance transfer. On my XX/XX/XXXX statement I made another {$950.00} payment where {$580.00} went to my XX/XX/XXXX balance transfer and only {$180.00} went to help pay off my XX/XX/XXXX transfer. I called Pentagon Federal on XX/XX/XXXX and asked why it was not paying off my 1st transfer and they said something about congressional calculations and they had no way of fixing or having my payments go first to the promotion XX/XX/XXXX transfer. In this case I will be paying interest on the first balance transfer until I have both balance transfers closed out. This was not explained to me and Pentagon Federal said they could not " allocate '' how the payments are done. Please help me with this as I never intended to a 0 % balance transfer cost me any interest. They are not taking the Expiration date of the 0 % balance XX/XX/XXXX into account and not considering that I still have 10 months to pay off the other XX/XX/XXXX balance transfer at 0 %. It looks like they are penalizing me on having two 0 % balance transfers. 

2nd Additionally on a separate note, It appears they changed the expiration date for both transfers from the XX/XX/XXXX and XX/XX/XXXX Statements confusing me as to when the expiration of each promotion was to end.
Chase has  sent me   XXXX  c redit cards  (   Amazon Prime C hase credit card ) without me applying for them  :   XXXX   last y ear around   XX/XX/XXXX  and  XX/XX/XXXX and  XXXX  last month (    XXXX  2017 ).    I did not apply for any of the    XXXX    cards.   All  XXXX  times, I called Chase and was transferred to the fraud department. But I still got another card in the mail  ( new account number each time )  after the  XXXX  and  XXXX  cards and phone calls. Now Chase has issued me another card just last month.   I have never been an  Amazon Prime membe r and have never requested a credit card from Chase.
This was a business account my company had that is now closed. The debt was with XXXX XXXX not collection company. Debt was charged off by XXXX XXXX and taken off company credit report then this collection company decided to make the debt a personal debt payable to them. I nor the closed company ever signed any agreement with the collection company. Moreover, their representatives have made it clear they have no intentions on removing the illegal debt and they will kept placing it on my personal credit report despite that it may be illegal and my objections. They opened a closed account and are making it new and open, which goes against the Fair Credit Act.
My account was closed by Barclays on XXXX/XXXX/16. However, I did not receive my accrued rewards which are approximately XXXX points which can be cashed out for {$200.00}. Please issue a check for these rewards as the account was closed without the opportunity for me to redeem these rewards.
This company called my job letting another co-worker know personal information on me and the guy on the phone XXXX was very nasty and rude as well He called stating that I owe this apartments complex when the case went before the judge and was dismissed we were let out of the lease and also there were no plumbing issues that we caused the apartments had issues way before we moved there that 's one of the reason why we moved out we have a paper from the inspectors saying that we were not at fault of the plumbing issues and also the blinds were broken when the stray bullet came in on XX/XX/XXXX and they didnt fix the wall or the window until XX/XX/XXXX we took them to court we also had a inspectors there upon move out and saw the apartment was cleaned we also have court papers signed by the judge saying the case was dismissed. We also have pictures and live videos of how the apartments was left cleaned. We will take this company to court because this I wrong we do not owe this amount after living there with the mold and mildew, leaks, plumbing issues and also my XXXX XXXX XXXX grandson was there when a stray bullet came in and hit my XXXX painting that They never replaced they still trying to hurt us. We have already been through enough. So we will go back to court XXXX XXXX stated that this case is no longer there 's that it belongs to the collection agency. A rude guy called my job would n't let me talk I got written up for personal phone call I called the guy back and he yelled at me was very rude and disrespectful and hung up on me when I was trying to ask a question about the case so Yes we will be taking this back to court only now the collection agency are the one that XXXX XXXX says we have to go after because the collection agency now owes the case. We will be faxing all the information that 's the judge signed at court I also called the court house and they stated that the information on the fees etc that the judge signed off on was the same as mine so we dont know where XXXX came from we had an inspectors there from the city When we moved and we have live videos and pictures XXXX XXXX is only trying to get us back from calling the inspectors code inforcements thats all so please explain these charges and show proof because we have a signed form by an inspectors and the judge signed us out of the lease she dismissed the case and also we have live videos and pictures of how the place was left and also 2 prior tenants can testify with work orders proof of the plumbing issues we also have the work orders from the first week we moved in and had plumbing issues and the paper that we filled out when we moved in stating all the things that e wrong that they never fixed and also 3 neighbors as witness as well
I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Bank of America credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.
M & T Bank, which acquired my mortgage from XXXX XXXX XXXX, will not decrease my monthly mortgage payments despite my on-time, correct-amount payments. I called the company to complain and its representatives could not coherently explain to me why my mortgage payments do not drop every month as payments did when mortgage holder was XXXX. Property in question is condo at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My name is XXXX XXXX.
collection agency has account on my credit report ( XXXX and XXXX ) stated i owe {$430.00}. original creditor : XXXX XXXX XXXX, open date of XX/XX/2017 XXXX & open date of XX/XX/2017 on XXXX, account # XXXX, IC System XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX. Disputed account and stated the debt was not my debt with no resolution and removal from my credit reports
XX/XX/XXXX I received a letter from XXXX stating that they are reporting my Home Equity Line of Credit ( HELOC ) as charged off on XXXX XXXX, XXXX with unpaid balance of {$24000.00}. 
They stated they canceled the balance owed on XX/XX/XXXX and issued a XXXX. and as a result updated charge off balance to {$0.00} on XX/XX/XXXX and reported to credit bureaus on XX/XX/XXXX. 

Further they state they carefully reviewed the account and did not find any misrepresentations, unfair tactics or tried to be deceiving. 
And that they are required to report accurately. 


The problem with these statements are my credit report shows a charge off in the payment history on XX/XX/XXXX. Then the next data entry shows a charge off on XX/XX/XXXX. 
The status shows a balance update and status of charge off update to be XX/XX/XXXX when they clearly said in the letter the balance was canceled on XX/XX/XXXX. If the balance is {$0.00} on XXXX, XXXX it should state XX/XX/XXXX not XX/XX/XXXX. 

The next problem is the XXXX they furnished in the letter and sent to the irs shows an identifiable event code of ( F ) By Agreement. This would have to mean that I made an agreement with them to cancel the debt owed for less than the full balance. This would be false. 

The date of the Identifiable event is XX/XX/XXXX. Considering the Irs regulations prior to XX/XX/XXXX. If a debt has not been paid for 36 months and active collection is not pursued then a XXXX is to be issued even if the debt is not discharged. The account was delinquent prior to XX/XX/XXXX and closed and charged off XX/XX/XXXX. A XXXX should have been issued prior to XX/XX/XXXX. So in this case the XXXX was issued in the wrong year with incorrect event coding Finally according to XXXX county land records there was a mortgage assignment filed for this account. The Assignment of mortgage was not to XXXX XXXX XXXX nor XXXX XXXX XXXX. Which gives reason to believe the incorrect creditor is reporting the debt and that they do not have a valid claim. Whether the Assignment of mortgage is valid is speculative considering the notary had been suspended and the agent on behalf of XXXX may or may not  have worked for XXXX. 

My actions have been contacting XXXX about the misrepresentations and they have stated the account has been charged off since XXXX but it is still open and they are reporting correctly. 
I disputed with Credit Reporting Agencies to validate the information which is clearly incorrect. The came back that they only report what they are told to and that it was validated. 
I have submitted a prior complaint to CFPB which contacted XXXX which responded with the letter that I have explained. 
I have continually ran into problems getting credit due to this account reporting the charge off as XX/XX/XXXX since Derogatory Credit waiting periods require 4 years though the Charge Off had occurred XX/XX/XXXX. The cancellation of debt was XX/XX/XXXX which is not a charge off especially if the account was already charged off.
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.
was on business Travel and XXXX XXXX violated the tcpa rules by calling me 4 to 5 times a day without direct Communication. 17 abandoned calls. LINE IS FOR BUSINESS USE ONLY. PROCEDING TO TAKE LEGAL ACTION
Good evening - I have contacted this company a total of four times since XX/XX/XXXX. The latest certified letter was sent to Portfolio Recovery on XX/XX/XXXX requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. Twice I received a letter billing ledger as validation. This ledger does not assign the debt to me and frankly, it looks like someone in the office drafter the ledger. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
couple years ago I went online to view options for student loans. I ran across sallie mae as an option. I went to website to view options. I have never actually took out a loan with company and never received any funds from company. They started harassing me daily and took money from my taxes and now my finical aid is on default while I am trying to further my education. may you please help me so that I can start school and get these scammers off my back! thanks
On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
On XXXX XXXX, 2015, I opened a Citigold checking account with an offer that stated I would receive XXXX XXXX miles ( worth approximately {$500.00} ) after meeting certain criteria. I then met those criteria and confirmed with a Citi representative via secure message. I was told to expect the XXXX XXXX XXXX miles by the end of XXXX. During this time I was charged three monthly service charges of {$30.00} each. Now after confirming the promotion was applied to my account, confirming that I had met the requirements for the promotion, and confirming they would be depositing the miles, Citi is changing their mind. They have decided to investigate if I was targeted for the promotion. I have waited over three weeks to hear about the investigation but they have not contacted me. Over the past six months, Citi never said anything about needing to be targeted for the promotion. I have {$90.00} in fees which will continue monthly during their investigation, and I do not have the XXXX XXXX miles that they confirmed I would receive. It 's not right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope Citibank will honor the promotion they already told me I qualified for.
Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX  to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.
This is a 30 year fixed mortgage with DiTech, however the keep changing the monthly due amounts every month. It has been changed 3 times in 3 months, going up, then down, then up higher. each time a {$20.00} difference So when they do n't receive the exact amount and received the amount that is the same as the previous month they charge a late fee. The late fee is bigger than the difference in the payment amount.  <P/> They do not send statements on time, so they are trying to trick me, an successes in paying different amounts. This is a game of gotcha
CITI MORTGAGE HAS SEND ME A LETTER STATED THAT THE MORTGAGE HAS BEEN REPORTED ACCURATELY. IT SEEMD AS OD XXXX2017 > NO MORTGAGE HAS BEEN REPORTED AT ALL. SO IT SEEMS WE ARE FACING THE SAME ISSUE WE HAVE SINCE DAY 1. 2+ YEARS OF NO MORTGAGE HISTORY.
CITI > ACCT XXXX > ADDRESS > XXXX XXXX XXXX XXXX > XXXX > TX > XXXX
The reporting agency is reporting that I owe  two  separate amounts which is not true. I owe this agency no money.
In XXXX i owed capital one XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated XXXX tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and XXXX documentation reads XXXX, in XXXX? This firm hasnt been XXXX for a while only XXXX? I got ripped off big time!!
I had an approximately {$1800.00} balance on my account in XX/XX/XXXX, which I paid off in full before the due date. I thought that took care of the credit card. I happened to check back online to make sure the balance was paid off, and found they had charged me an additional {$30.00} interest after I paid off the balance. When I called, they said because I didn't call and ask them the balance, that was normal to charge interest on the balance during the month of XX/XX/XXXX that hadn't been billed, yet. I have never had a credit card charge extra interest after a balance is paid. I told them that made no sense, and they said it is the way they do business. I feel that is the same as charging interest on top of interest and should not be legal. I want my {$30.00} returned. I canceled the card, telling them I did not wish to do business with a company like that.
Credit limit dropped purportedly due to not honoring or fulfilling the terms of stated contract. 
I am a long term customer of XXXX ( XXXX ). On XX/XX/XXXX, via XXXX XXXX, I learned that my credit limit on both of my accounts had been decreased to the actual balance owed on the card. On XX/XX/XXXX, I immediately inquired as to the reason ( s ) behind the decision which has detrimentally affected my credit history/score. Unfortunately, no representative of XXXX XXXX took this into consideration of which one representative, purportedly a manager, XXXX, readily admitted 'that they have no way of knowing what impact lowering a person 's credit limit will affect the score/credit rating. 'Sufficed to say, as a victim of identity theft and being XXXX  since XX/XX/XXXX, I know the impact this incident has done to my credit. Moreover, I have VERIFIABLE PROOF of how my credit has been affected by lowering my score. I received an alert from XXXX regarding my credit ; and sure enough when I viewed the alert, my score had been lowered and it had been reported that XXXX had lowered my credit. Also according to XXXX while continuously apologizing, she alleged that based on information in my credit report, 'they ' made the decision to lower the score. Apologies were not accepted for by no means were they sincere. Shortly thereafter, I spoke to another ( purported ) manager, XXXX, who alleged the credit was lowered due to my account being delinquent ( 3 ) months. She further stated, 'You agreed to pay your account on time and you failed to honor the agreement which you signed. ' This infuriated me even more for it was abundantly clear that NO consideration was or has been given for my years of loyalty as a customer of XXXX where I purchase all my clothing and some household items. Now, after reducing my credit limit, I am unable to buy anything at this point. Notwithstanding, in terms of my account, I also have Credit Protection whereby where it is alleged that I was delinquent, a claim was in place. Her response to me which was rather rude, insulting, and condescending to say the least : 'Any order to have your bill paid, you must first file a claim ... 'After that derogatory remark, the conversation continued to decline rapidly. Notwithstanding, my account has been handled several times with the Credit Protection. This was simply due to several ( brief ) periods of unemployment which ultimately led me to being XXXX. Now that my XXXX  is coming to an end, ( XX/XX/XXXX ), I have to contend with tarnished credit because XXXX doesn't deem me worthy of having credit and therefore deems the solution to further tarnish my credit. This is most unfair and discriminatory at best.