WillisBack/dataset-financial-user-claim huggingface dataset:
I paid the statement balance on my Target Visa card in full on XXXX XXXX, three days before the due date, and the transaction posted to my bank account at XXXX XXXX the same day. The funds were taken from my bank account and my credit card showed 'XXXX ' balance. 
Last week I found out that some automatic payments were declined so I checked my credit card online and it still showed a XXXX balance on XXXX XXXX. 
I called the credit card company today to find out that my payment was still on hold and had not been posted to my account so my available credit was XXXX! The rep I talked to ( his name was XXXX and he refused to give me his last name ) said this was their procedure and he would apply the funds to my account as a courtesy. I reminded him that this was no courtesy when they kept my money for two weeks, and he should be apologizing. He did not, repeating that this was their procedure. I reminded him that this never happened before and asked if there has been any changes to my account, and he said 'No '. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely,
I tried to schedule a pay off for my loan to pay it off early. I was given a pay off amount of {$1700.00}. I scheduled this payment and it processed on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, three weeks later I am being billed an additional {$320.00}. I have been on the phone with two representatives who can not tell me why I am being charged this amount three weeks later. They are further telling me I owe an additional {$120.00} and that the representative I spoke with regarding my pay off amount gave me inaccurate information. I have been on the phone so far for 52 minutes trying to get answers and am concerned my account is going to be continually billed for amounts I am unaware of.
I was an XXXX card holder who paid for the debt protection service and credit monitoring service for ( 15 ) years or more ( gold card ). I loss my job and contacted XXXX to use the service until got a job. My request for was denied. During this time, I learned XXXX was being sued ( American express enforcement act ). The terms of the suit stated XXXX would credit accounts the monies. American express was to credit monies to the account of card holders or issue checks to individuals without accounts. I never received any monies from the settlement. Now XXXX is suing me for the outstanding balance on my account along interest, lawyers fees, and etc. I want like XXXX to to have deducts the monies owed me settlements. I need to know the amounts that should have been credited my account ; so I can have leverage when dealing with lawyers Thank You,
Two purchases made on XX/XX/XXXX for {$650.00} and XX/XX/XXXX for {$61.00} both with the same company, XXXX XXXX XXXX and paid for with my Gold MasterCard from Citibank group . 

Delivery was promised in XX/XX/XXXX. Then came a series of " oh, we're working on it '' and " we're a little behing '' from XXXX XXXX. Then their web page went dark, their phone stopped answering and emails were no longer answered. 

I filed a dispute with Citibank for the two disputed charges which totaled {$710.00} in late XX/XX/XXXX or early XX/XX/XXXX which was immediately reversed and credited to my account by Citibank. 

I considered the issue closed. 

Imagine my surprise when I open my XX/XX/XXXX bill from Citibank to find that the " merchant '' filed a blank answer to my complaint and the full amount was again credited to XXXX XXXX ( who was no longer communicating in any way to customers ). 

I responded in writing to the issue objecting to Citibank 's lack of diligence and failure to support my position, as their long time customer and in fact, I had NEVER received any merchandise, website closed, multiple, multiple XXXX  complaints on the " merchant '', phone lines dead. XXXX XXXX is a fraud, no longer in business and guilty of bilking unsuspecting customers out of money for products never delivered. 

The dispute is still open as of today ( XX/XX/XXXX ) but of course Citibank will not discuss the matter with me. 

I expect them ( Citibank ) to do the right thing and refund my charges but as time goes along, I am losing faith in the process.
The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me. 

. If they can not provide the valid legal documentation proving that it was me that incurred the debt, then I want the collection account removed from all 3 credit bureaus - XXXX, XXXX and XXXX.
I opened a checking account with BBVA Compass on XX/XX/XXXX when they had a XXXX  $ bonus promotion for making a direct deposit of XXXX   $ or more. I met the requirements for the promotion. Still after contacting the bank several times the bonus was not posted. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX but so far the amount was not deposited.
Premier Portfolio Group has left several voice mails indictating that they have mailed documents to me ( nothing has ever been received ) and that I have a " pending complaint '' in their office. They have stated on my voice mail that they will garnish my wages if I do not call them back to make arrangements. At other times, they have stated that they have a bad check I attempted to pass along with my name, social security number, and routing number. I believe this is in reference to a payday loan that I paid back in full and then closed the checking account directly after the final payment as the collection practices of the original company were illegal.
I applied for XXXX XXXX credit card which is issued by XXXX XXXX. I was denied for the credit card and I got a response letter on the mail. When i opened the letter i noticed on the bottom of the letter said that as of XX/XX/XXXX my credit score was XXXX. I was in chock, because i knew my credit score was n't that low. I knew my credit was around the XXXX. So I checked my credit scored and based on XXXX  information as of XX/XX/XXXX my credit score was XXXX. The reporting agency is XXXX XXXX XXXX. That was the reporting agency that XXXX XXXX  used to get my credit score.  XXXX XXXX. Provided false untrue and damaging information regarding my credit score, which lead the bank into an inaccurate decision. What they are doing is proving banks with false information, leading banks to inaccurate decisions. which is illegal.
They have person information on my credit report that is inaccurate. I would like to up date and remove any person information that is n't current. Names, address and phone numbers.
this is a follow up complaint with new information, in reference to prior cfpb complaint XXXX. 

i have a blog post explaining my ultimate findings here where i support my claims with both picture and video. 
XXXX although incomm 's response to the prior complaint notes they have 'conclusively ' determined i 'm a participant in victim assisted fraud, and opined that i have not provided any substantiating evidence of my claims, i now provide it in my blog. 

the video contains me telling the viewer what a PIN # will be, then scratching off a card to reveal it. this PIN # has never been communicated out by incomm. if that is the case, how was i able to do it? i also provide video and photos of the person who loaded my funds living in atlanta ( incomm headquarters ) and being friends with a former XXXX living in XXXX, the role of a person who would oversee a database and have the greatest ability to compromise sensitive data in it. however in this case, it was not protected at all, so anyone in the company can get to it. 

what is really going on at this company? 

1. employees are embezzling. i believe skeet rolling, cfo of incomm held company itc financial licenses, is aware of this in the case of a fellow victim i found, XXXX XXXX XXXX to the tune of {$2500.00}. they do n't appear to understand the scope of the issue as claimed my case had nothing to do with XX/XX/XXXX. and it may not if they know who the particular embezzler was and if it was not XXXX - but these PINs are easy to take, and they likely have multiple embezzlers. EMPLOYEES ARE EMBEZZLING, FACT. 

2. per my inside contact, the PIN numbers are stored in plaintext in the database, available to all in incomm IT. i provided this person my XXXX digit numbers, and they told me all of the secure PINs. the last XXXX of my PINs are in my XXXX and CFPB complaints - but XXXX never made these formal complaints. i set up a meeting between XXXX and skeet 's team. skeet 's team has never communicated these PIN numbers out for XXXX cards. yet i have all of them. there are more that remain, should incomm like to see how the reveal in my video plays out in a court of law. 

3. the division under skeet is either 100 % incompetent or 100 % obstructionist. the same model they use to determine i was a participant in victim assisted fraud claimed XXXX was as well - but with his PINs not scratched off, this is impossible ( which incomm did admit. ) this however has not caused incomm to stop using their broken model. despite XXXX 's case, and despite the how and who of the theft that occurred to me being reported XXXX/XXXX/16 to skeet and XXXX XXXX, i was given absolutely no restitution. i was still victim blamed as if a participant in victim assisted fraud. 

under threat of a lawsuit in federal court a settlement has been offered, which i took. however this does not fix the problem nor has it made past victims whole. this database has likely been designed this way for years, and incomm has very likely screwed over many victims along the way who did not have the time, skill, and luck to determine the full scope of their negligence.
This Complaint is to Ally Financial. 

In XXXX XXXX, XXXX I have financed a vehicle with Ally Financial, XXXX XXXX CC, XXXX XXXX. 

In XXXX, XXXX I crashed my car in a parking lot, and the car had damages in the front, my insurance did not want to pay for the damage since it was in a parking lot, so I took the car to a body shop named " XXXX XXXX XXXX '', they told me that to fix the car it will cost {$3000.00}, at that moment i was not able to pay for that, I even had a payment arrangement with Ally in my monthly payments, my mother was in the hospital, she got both legs amputated, and i had to take care of her so I was not able to go to my job until i resolved my financial situation. 

So, I called Ally I explained to them that the car was left in the body shop, that i was not able to pay the body shop I gave them the address for them to repossess the car, and they never did. Ally called my asking me to pay the full amount own on the account more that {$14000.00}, i told them they should repossess the car, because I did not have the car and I notified them where the vehicle was for them to pick it up, something they never did, i told them i can not pay a car I do not have. 

Now I work in a car dealer ship so I was able to look the History of the vehicle with the VIN number, and i found out the body shop put a lien in the car, they notified Ally, and they never repossess the car, also the body shop sold the car to some body else. That proof that I do not have the car, that I can not pay for a car I do not have, and Ally did not repossess the car, even when they were notified by me, and also by the body shop. See attachment for proof.
Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.
On XX/XX/XXXX or XXXX, I had initiated a domestic wire transfer from my bank, XXXX XXXX XXXX XXXX to PNC Bank N.A . in the amount of {$54000.00} dollars. I supplied all of the necessary account details for the account at PNC Bank N.A.. Then the next day, I looked at my document, I see that I had provided the account number which was missing one digit, it was missing a zero in the last four numbers of the  account. I proceeded to go back to my bank to initiate the cancellation of the transfer. The XXXX XXXX XXXX XXXX initiated the first recall of wire request on XX/XX/XXXX. No followup response from PNC Bank N.A . so my bank sent another recall request on XX/XX/XXXX. In two weeks ' span of time, I have gone back and forth by phone and to my physical bank in XXXX, Massachusetts to get this sorted out and I am getting to the point of beyond frustration. I had confirmed with the account holder myself and advised that the money has NEVER arrived to her account. Therefore, I have also contacted PNC Help through XXXX which a woman by the name of XXXX is sending my request to resolve this to their Escalation Team. It shouldn't have to get this far already. It is ridiculous with the back and forth phone calls and aggravation of not getting a clear answer on when I was going to get my money back. There is NO reason why PNC Bank N.A . 's Wire Department did not process the recall request as it came to them from my bank TWICE. It is UNACCEPTABLE and makes me angry.
XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX Bank. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.
I used my M & T Bank XXXXDebt card to purchase several baby shower gifts from XXXX. One of the gifts was a " gift card ''. When I gave the gifts, I discovered that the " gift card '' had no value ; the amount I stored on the card had been fraudulently used. I reported the issue to XXXX, their customer service informed me the way to handle it was to report the issue to my Bank. I sent M & T Bank the incident report and reply from XXXX requesting that they charge the transaction back to XXXX and return the funds to my checking account. XXXX XXXX XXXX first refused.. then required I send more documentation.. then applied a temporary credit.. then removed the temporary credit. And informed me they would not return my credit. ( this reversal also allowed M & T bank to create a overdrawn condition on my account and charge me a fee for the negative balance..
I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.
GREATLAKES AND XXXX KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank TD Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.
Navy Federal has been contacted about an account that was settled for less. This was done via agreement made and they continue to report the account as being late for 30 days. They have not updated the credit bureaus to reflect that the account was paid/settled. They are reporting the card as late with a date that the card was already paid in full per a confidential agreement. 

While I no longer have this credit card it is harming me that they continue to report the card as 30 days late which is not correct as I do not have a credit card with them and have paid in full the settlement amount. 

I found this on all my credit report with multiple credit reporting agencies. Therefore, I need the correction to be made with XXXX, XXXX, and XXXX XXXX. 

Upon making the request the bank refused to make any further reporting to the bureaus as they had the settlement money and didn't need to continue to report. They reporting information from XX/XX/2017. 

The balance has been XXXX for quite some time now and they continue to report either a balance or late pay which has impacted my credit report. I advised them that the reason for the settlement was to clear my account balance and not have this show up as a late pay after being paid in full.
Concern regarding location to send payments for XXXX Cashback XXXX Signature Credit Card. <P/>- X/XX/2017 : XXXX Cashback XXXX Signature credit card statement made available. Indicates my payment ( {$74.00} ) is due on XXXX XXXX 2017. The statement provides two addresses for XXXX : CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, GA XXXX and CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, ME XXXX. The statement does not indicate to which address the payment should be made. The statement references the GA address a number of times for billing inquiries and concerns. <P/>- X/XX/2017 : Scheduled payment ( paper check mailed ) from my checking account to pay the Ally Cashback XXXX Signature statement ( the total balance, {$74.00} ). My checking account mails the check in advance so that it arrives to the designated office on the scheduled date ( X/XX/17 ). <P/>- X/XX/2017 : {$25.00} late payment fee charged to my XXXX Cashback account. <P/>- X/XX/2017 : {$0.00} interest charge fee and {$1.00} interest charge-purchases charged to my XXXX Cashback account. <P/>- X/XX/2017 : Payment ( {$130.00} ) received by XXXX Cashback and credited to the account. <P/>- X/XX/2017 : Contacted bank with checking account and found out that my payment was being sent to the wrong XXXX Cashback address. I was having payment sent to the GA address, and it should be sent to the ME address ( this was found out over the phone between my bank account representative, me and the XXXX Cashback representative ). I sent a message to XXXX Cashback to explain the error, and that it is unclear on their billing statements which office the payments should be sent to. They marked my message as 'completed ' and added the memo 'We have waived the fee as a one-time courtesy because of your good customer standing. ' - The following account changes were made after X/XX/2017 but dated for their original charge date on my account : -- X/XX/2017 : late payment fee credit of {$25.00} -- X/XX/2017 : purchase interest credit of {$0.00} - X/XX/2017 : messaged XXXX Cashback because still did not receive the {$1.00} credit for the interest charge-purchases. Also mentioned that I would be happy to bring this to the attention of CFPB. Message was marked 'completed ', however no action was taken with my account and no credit was issued. <P/>- X/XX/2017 : sent a follow-up message to XXXX Cashback because never received the {$1.00} credit for the interest charge-purchases. Message was marked 'completed '. <P/>- X/XX/2017 : {$1.00} interest charge-purchases was credited to my XXXX Cashback account. <P/>The " one-time courtesy '' to credit the fees and interest was appreciated, but, as of my X/XX/17 statement, XXXX Cashback has not made any updates to their billing statements as to where the payments should be made. I imagine this ambiguity has negatively affected other XXXX Cashback customers. Also, the follow-up necessary to get all of the refund credits for the original error is unacceptable. <P/>Thank you for your time and attention.
I established a credit card account with Discover in XX/2016. I suspect a former friend of mine to be the person responsible for making unauthorized fraudulent payments and then making unauthorized charges with 1 of 2 cards I held for this account. I filed a complaint with Discover regarding the fraud that occured on my account, Discovers investigators asked my to sign a form concerning the fraud and if I was willing to press charges against the suspected person, I told Discover that I did not want to press charges against the suspected person because this person had a XXXX year old daughter, and I did n't want the daughter to be put in foster care if charges were brought against the mom. Discover then told me that if I did n't accept responsibility for the unauthorized payments and charges that the account would continue to report on my credit report with all the fraud charges included. Discover then asked me to agree to a verbal agreement to assume all liability for the fraud since I was not willing to press charges against the suspected person responsilble. Discover investigators misinterpreted what I agreed to in that legal disclousure, I only agreed to be responsible for the balance on the card prior to all the fraudulent payments and charges made to the account. I have tried numerous times to dispute this discover account with the credit bureaus, also including a FTC Identity Theft Affidavit that included a police report and was notarized. The credit bureaus " blocked '' the account initially, but Discover continues to have them " unblock '' the account, so until this day the account continues to wreck my credit score, and has ultimately caused me to be declined for employment oppurtunitys because of a low credit score. I have also not been able to establish contract post paid cellular accounts with XXXX XXXX XXXX and XXXX due to a poor credit score.