WillisBack/dataset-financial-user-claim huggingface dataset:
The complaint I filed previously ( # XXXX XXXX, wherein the company ( Citibank ) replied as to their reason for a hard pull on my credit. 

This is not possible, as I did n't ever apply for a Citibank XXXX card. So either they pulled the wrong report for the individual applying for the card they allege, or a fraud has been committed. 

There was no reason for a hard pull on my credit on the said date ( see complaint filed on XX/XX/XXXX # XXXX ). 

Though you have this reply from Citibank on this complaint number, I will provide the exact reply below : " I sent a letter to the customer declining his request to remove the inquiry as it was the direct result of his request for credit when his application for Citi XXXX XXXX Card was received onXX/XX/XXXX. '' As stated above, I never filled out an " application for Citi XXXX XXXX Card '' on XX/XX/XXXX. Please let me know how I can proceed or how CFPB will proceed with this false claim and unnecessary hard pull on my credit. 

XXXX XXXX
I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.
My student loan servicer is XXXX XXXX. My recent payments over and above my monthly amount due have been applied to all my loans despite my repeated requests that they be applied to the loans with the highest interest rate. I have attempted to reach out several times but do not get a reply. They also do not apply my payment to the loans with the highest interest rates. I want all my payments above and beyond my required monthly payment applied to me highest interest balances.
On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. 


Coinbase has failed to restore my account balance in over 6 months of waiting. 

I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.
XX/XX/XXXX, I sent my payment by mail to Citi Health Card. I sent my {$580.00} XXXX XXXX money order to Citi Health Card, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. This address was obtained on their website XXXX. Citi lists this as an address to send payments to. Since then, Citi has not applied this payment, and they can not confirm nor deny that they have received this money. I have spoken to at least XXXX different representatives at different locations, to include XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, all of whom can not give me a clear answer as to what has happened to this payment and why it has not yet been applied. I did not write my account number on the money, as I did not have that information at the time. I did however write the following " SSN XXXX '', my actual Social Security number, as well as my printed name and signature. This payment was well above the minimum. Please help me to have this money applied to my account.
I have XXXX credit card accounts with capital one. Earlier this year my husband and I were really struggling due to lose of income. Along with the stress of low income i had a sister sick with XXXX, a mother suffering with what could posablly be XXXX, and a mother in law who is both physicaly and mentally XXXX who also lived XXXX to XXXX hours away depending on traffic who needs us up there quite often not to mention my husbands an only child. I also work full time in a very demanding job with an equally demanding boss so between my streeful job and personnel life i was finding it difficult to keep up and remember absolutely everything and knowing at the time I was only able to afford to make the minimum payment on both credit card accounts i took the initiative to call capital one and set it up to were they just automatically took out the minimum due out each month on the credit cards until I could afford to do otherwise. A few months later I reseved a letter in the mail from capital one stating that I had not paid on my accounts in months and they were about to close me out. In shock and upset I called capital one only to find out that they had already closed out both of my accounts. I tried to explain to them that I had spoken to XXXX of there represenitives and had my payments set up to be automatically taken out of my bank account each month that there must have been a horable mistake made all I got from them was my accounts have been closed out and that there was Absolutely nothing they or I could do to reopen them and nothing they could do to help me. Devistated and in tears I tried to look online for other capital one departments to call for some help with my situation but no matter what department I tried to call it always just took me back to the original department that I first talk to who refused to help me. At this point in time I have paid XXXX account off in full and current stuck making payments to an account that I ca n't no longer use and my credit score that I have worked so hard to rebuild has been greatly effected all because capital one a company who I have been a loyal customer and until this payment arrangement screw up I have always paid on time to on both credit card accounts since I got them 2 years ago refused to help or even hear me out. I will take fault in the fact that I should have paid better attention to my bank statements and made sure the money was being taken out as arranged but I do n't feel that I deserve to have both of my accounts closed out and my credit that I was working so hard to rebuild ruined over an unfortunate misunderstanding. I was n't even given the chance to plead my case even though it was there company 's screw up and did n't follow threw with our payment arrangement. I would like to have the chance to be heard and have the possibility of having my accounts reopend and to not have all my hard work be for nothing I think that 's the part that bothers me the most. At this point I feel hopeless that I will get any cooperation from capital one and pray that you can help me.
American Express Gift Cards charged {$60.00} in inactivity fees on a {$100.00} balance card, received in 2005 and never activated. 

I have some repsonsibility for losing track of the card. XXXX of the balance in fees is excessive. Amex reversed the last $ XXXX monthly fee and reissued a card with a {$40.00} balance. I 'm not satisfied. 

Current Amex Gift Card policy, prominently displayed on the website, is " No inactivity fees or other fees after purchase '' and " Funds do not expire '' [ 1 ]. 

There was even a class action [ 2 ] settlement. All action dates have passed. I did n't find out about it until after I discovered the card and reduced balance. 

We have XXXX of these cards. Only XXXX has been addressed with Amex. I respectfully request the complaint cover both. 

[ 1 ] XXXX [ 2 ] XXXX
The month of XX/XX/2018, I received checks from Sears Mastercard stating that I could use the checks for a balance transfer. I sent one of the checks to pay off another account. In 2 weeks, I checked the account to make sure it was paid off, and it was not. I called Sears Mastercard, and they argued with me telling me it took 2 wks turn around. I waited the 2 weeks, and still nothing. I called Sears again and told them, I was going to find another source to pay off the card as I only had one week to avoid their deferral interest charge. They told me they would stop payment on the check but charge me XXXX dollars for their inconvenience. Sears told me the slowness of the US mail was not their fault. I told them it was not my fault either, but they would not stop payment on the check. Ten days later, the card I was paying off received the check, and I thought everything was fine, but Sears said the check reached its expiration date, and they would not use it. Now I have a {$600.00} charge from the credit card to be paid off, as well as a bounced check charge. I will never use a Sears Credit  Card again, and will stop purchases at Sears for using the services of XXXX.
In XXXX 2016 I mailed a letter to Transunion that they received in XXXX 2016, and I have yet to get the results of the investigation. I reviewed my credit report, and none of the accounts that I requested to be disputed were marked as " Consumer Disputes Account '' .On yesterday evening, I contacted Transunion and spoke with a representative that stated they had received my letter however when she asked what accounts were disputed ( mind you, she was supposedly looking at the letter I sent ), none of the accounts had been disputed. I asked to speak with a supervisor in which I was transferred to someone that represented himself as " XXXX XXXX '' ( alias name as this person was also in XXXX ). He also pulled up the letter after I explained the dilemma and he advised that per the letter, I did n't ask for the accounts to be disputed but he stated the results were mailed out on XXXX XXXX. Now I was really confused, if you did n't perform an investigation, how in fact could there be results sent of an investigation? I advised him that if in fact an investigation was performed then the accounts disputed should be noted as " Consumer Disputes Account ''. I finally got frustrated enough to thank for his time and move on as he was obviously just reading from a script. I contacted Transunion 's special handlings department this morning and spoke with XXXX, who advised they had only placed XXXX items from my request in dispute which were the XXXX items that were the second page of my request. I did confirm that they did receive the request in its entirety which was XXXX pages, she confirmed. Apologetic, however, she was unable to offer a remedy to the problem besides wanting to put the items under dispute at the time. I advised that this was unacceptable and against FCRA in the sense that they received the letter and failed to perform the investigation according to what was written on my letter. They violated them sending the accounts over the creditors within 5 days of receipt of my letter, BIG FCRA violation. I asked to be transferred to their legal department as I wanted to get the information as to where and who I can send my motion to that I will file with my local court. I was transferred but received the typical voicemail in which I did leave my file #, name and phone number and to which I am now awaiting a response ( if I ever get one ).
I have disputed all inquries on my credit report with Trans Union and have not received any response with them. Clearly outside my legal 30 day response time per FCRA.
Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
On Sunday XX/XX/XXXX, my father gave me a {$15000.00} check from his XXXX checking account as a loan to pay off my credit card and loan debt. I deposited the check same day via ATM into my Huntington checking account. On Tues. XX/XX/XXXX, the funds were briefly made available and I paid off {$10000.00} in total. Weds. XX/XX/XXXX I attempted to make an {$11.00} purchase at a XXXX store in XXXX Ohio and it was declined. I immediately called the bank and was told there would be a hold on the check until today 's date Fri. XX/XX/XXXX. My {$1100.00} payroll check was direct deposited into my account this morning so I assumed I would have money in addition the the {$15000.00} check from my father that had cleared. I called Huntington and was informed that they put a hold on my account so I have NO access to ANY of my funds for up to 30 days. I have offered my father 's contact info several times if they have questions about the legitimacy of the check and obviously my payroll money should be available aside from the check. I have no access to other funds and have no way to pay my rent, buy food for my child or myself or put gas in my vehicle despite doing nothing wrong and offering solutions to validate that the funds were legitimate.
On Thursday XXXX XXXX, 2015 I left my debit card at work. I left work and I was half way home when I realized this. I immediately called Bank of America via phone at got the card cancelled and the representative said I could go to any banking center and get a temporary ID. The next day, XXXX XXXX, 2015 I went to get my temporary card at the Bank of America on XXXX XXXX in XXXX Florida. I went there reluctantly because I have had a previous incident of discrimination from XXXX which I documented through Bank of America. I went inside to get my temporary card and waited. I just happen to get XXXX as my representative. When I expressed that I needed a temporary card she said ok flippantly. I gave her my Drivers License and Social Security Card per her request. My drivers license has my maiden name so I gave her my social security as another form of identification. She immediately looked at me with resistance and said I do n't think I can change this but let me see what my manager says. She did this without explanation. She went to go see with her manager not XXXX but XXXX. She came back and said she could not do it. I asked to speak with the manager as I had already had problems of discrimination with this representative before. This should be documented in her records and mine. She was discriminatory against me 60 days prior to this incident. The manager XXXX came over and immediately he appeared agitated. I proceeded to explain the situation and he said we ca n't do anything your license has to match. I advised I had my debit card replaced with a temporary card approximately XXXX times within the past year from over XXXX different Bank of America centers. He advised all of the other centers are doing it wrong. I then said I only have problems when I come to this particular center. Then XXXX said I ca n't believe you remember that. I said of course I do. I remember when people discriminate against me and I told her I would remember this incident of discrimination too. The manager interrupted her as she proceeded to speak and said " You do n't have to speak with her ''. He refused to give me access to my account by way of a temporary debit card and he treated me differently than he did the other customers that were XXXX. Additionally, when I called your offices they said that Banking Center Managers can make exceptions and they do for certain people. I suggest you check the recorded call. He told me that they can treat people differently and that was ok. I know this illegal and it is discrimination. Both XXXX and XXXX were discriminatory. Those are the events that took place on XXXX XXXX, 2015.
Portfolio Recovery Associates LLC keeps calling my job hanging up on me. They call and wait until I finish my greeting adding my name at the end and hang up on me. This has been happening for at least a couple of months ( a few times a week ), but I didn't know that they were calling for me at first. On XX/XX/2019 at XXXX XXXX I looked up the company 's name and number out of curiosity and found out that they are a collection agency handling an account I had with XXXX XXXX for a little over {$500.00}. They would not tell me who the original creditor was or give me any other information. I did provide them with my bankruptcy case # XXXX and expressed my complaints and concerns about them harrassing me by repeatedly calling me at work and hanging up on me. I was told by the agent I spoke with that it would not happen again and she apologized. Unfortunately I just received another call around XXXX XXXX today at work and again once I finished my greeting and gave the caller my name they hung up on me.
I have had a student loan with XXXX XXXX ( now Navient ) for about 10 years now and recently have been reading about a lawsuit out against them. I realized this applied to me in many ways. Over the years I have called Navient explaining how it has been an issue paying their monthly charge, and they never did anything to try and solve the problem. Even when I came back to them explaining their own solutions on their website about income based repayment options and just interest payments, they claimed that was not an option for me. At one point they told me my best and only option was to go into forebearance, and being XXXX XXXX XXXX XXXX XXXX me, I did it, adding XXXX dollars to the principle of my loan. This all could have been avoided if they just took the time to understand my problem instead of finding ways to get more money out of me.
My mortgage company took money out of my account two days before I had it scheduled. They cashed a check that was dated XXXX/XXXX/16 on XXXX/XXXX/16 causing my account to be overdrafted.
I originally closed my home loan with a company called XXXX XXXX. My husband is a XXXX vet and we received a VA loan. My loan was sold twice since then. When Amerihome my second lender sold my loan to XXXX XXXX my third lender, I was not aware and I inadvertently sent my payment to Amerihome. When I contacted my new lender Amerihome and told them about my concern they told me to get in touch with Amerihome they told me they will hold my payment for approx 60 days before refunding it to me. Meanwhile my new lender XXXX XXXX  is saying I am late with them and there is nobody and who can give me an exact time frame as to when I will receive those funds again.
I've had my American Express platinum card for about 9 years now, and have always had about {$10000.00} in spending power and i called in sometime last year to increase this limit which i was approved for in the amount of {$20000.00}. In recent months I've needed to spend more for business expenses, between {$3000.00} to {$6000.00} and I received a email stating that im reaching my limit/over spending and i thought that was strange becuase i've never gotten that before and my limit should be {$20000.00}. I recently tried to make a charge for the amount of {$800.00}, and my current balance is at {$900.00}, and the charge was declined and when i called customer support to see why, they said my spending power is only {$2000.00}! And for some reason now there is no history of my approved request of {$20000.00}. Even if a decrease was made by them, i have gotten no notice what so ever about this and has become the most inconveniencing experience.
I needed to borrow money via private loans to pay for college. I feel that the banks should have a fiduciary duty to explain what the repayment terms will be and also to better evaluate whether or not the student will be able to repay the loans. I am now in a position where I am really struggling to repay my student loans to Citizens Bank. I work XXXX jobs ( over 80 hours per week ) in order to keep up with my monthly payments and I still struggle. The reason I went to college was to enrich my life and my financial future, not to become a slave to my student debt which is exactly what has happened. I feel that Citizens bank should have never approved the amount of money that they lent to me while attending school, and at the very least they should have at least told me what my payment would be when paying off the loan. I felt they took advantage of me because I was nave and young and simply thought that this is what everyone did in order to pay for school. I have about XXXX in debt with citizens bank and I am experiencing a huge amount of stress and anxiety over my student loan payments. XXXX The amount owed to citizens is in addition to my federal loans, which seem to be much more reasonable ) I work so much that I feel that my health is jeopardized as I work from XXXX at my day job and often until XXXX XXXX 4-5 nights per week. 

Citizens bank is not willing to extend my repayment term or lower my interest rates which could really help me to pay this off at a much more comfortable rate. They took advantage of a young college student, and I do n't know where to turn for help. I ca n't keep working as much as I do. I hope the CFPB can help me. Thank you.
Transunion for over a year I have protested this alleged account and not once has it been verified in writing to me. I have not received confirmation on how you have verified the alleged account attached in exhibit C for over a year The CFPB has all records of this case, and therfore request that you consider this a final notice to your office s. past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting .there should not be a wait and see response it is factual statement to CFPB to remove alleged account. there is no need for a 60 wait with the documents enclosed I'll give you 5 business day as of XX/XX/2019 to remove this alleged account burden of proof is on my side and violations on yours I have not received conformation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it to reporting accurately.Therefore, you are to present to me with certification in testimony that the alleged account presented in Exhibite C are in fact in compliant and not subterfuge?
About a month ago I noticed my credit score went from XXXX to XXXX and I thought my student loans were in forbearance. So I decided to call Navient in XX/XX/XXXX to get it settled because I 'm going to be getting married next year and I do not want to start my marriage with bad credit. They told me that I was n't eligible for a forbearance and that I was past due of 90 days which is the reason my credit score dropped. They told me unfortunately they can not fix my credit from dropping but if I started  paying it should increase after a few months. I could n't argue I guess that 's how it works but then they said they contacted me and gave me a number which happened to be my fathers number and pretty much took my contact information for the first time which is unprofessional and really a game changer in what we call LIFE. If I knew about not being in forbearance I would of paid a fixed amount to prevent my credit score from being ruined ... .So after we spoke I mentioned that I wanted to start making payments XX/XX/XXXX to get things rolling. A few days before my payment, I called to reschedule my payment for XX/XX/XXXX because I realized I would not have my payment in full until XX/XX/XXXX. I went online to set up an automatic payment to split my two loans in a fix amount. {$150.00} for a small loan and {$600.00} for my bigger loan. The crooks put my {$750.00} in the small loan and mentioned I have an outstanding payment of {$600.00} and it will be added to next month, which would bring my payment to {$1500.00} instead of {$750.00}. It 's ridiculous I have to check my account twice a week to see these small changes done that continues to accrue more interest towards my loans and makes it impossible to afford them. My credit is ruined! I just want my loans to be properly set as they were and what I agreed on to fix my credit score, that 's all. Navient manipulates you to believe everything is ok and screws you over if you 're not paying attention. They gave me a sorry excuse, I should n't have to pay for their unprofessional way of manipulation and false accusation of contacting me. Something needs to be done!