WillisBack/dataset-financial-user-claim huggingface dataset:
After submitting two written formal complaints XX/XX/XXXX and again XX/XX/XXXX with Citibank I gave up and decided to make arrangements to get the merchandise I have been paying for since XX/XX/XXXX. However when I went into the store on XX/XX/XXXX and spoke with the store Manager at XXXX XXXX he stated they credited my account back on XX/XX/XXXX and provided me a receipt to evidence. He further stated I was NOT obligated to purchase any furniture from them. So on XX/XX/XXXX I contacted Citibank and provided evidence XXXX XXXX credited back the {$4000.00} ON XX/XX/XXXX and requested they provide me the {$4000.00} credit I had been due for MONTHS. About two weeks later I received a letter stating they did there so called research and I still owed the money. FURTHERMORE they told me they would no longer accept calls or written communication pertaining to this dispute. Then about one week later I got another letter stating to contact them because they needed to collect additional information?? I called and spoke with the representative who re-opened the dispute and claimed it would be investigated properly. Today I received a letter dated XX/XX/XXXX telling me to contact the sales manager at XXXX XXXX about my credit???? At this point the store and Citibank appear to be in cohorts because now they are back to trying to brow beat me into purchasing an item I NEVER authorized from the beginning. I am appalled at the deceit and dishonesty both companies have displayed since the start of this transaction. I never signed the credit authorization giving Citibank the right to charge my account, but they INSISTED an order for furniture can be used in lieu of a I signed credit authorization slip. I told them an order does NOT give you the authority to charge the card, but they are ONLY interested in only BROW beating consumers in order to turn a profit. I did NOT AUTHORIZE the initial charge and provided evidence of the UNSIGNED authorization form. They then claimed it was the stores policy for NO refund, however I have evidence the store credited it back the FULL amount on XX/XX/XXXX and I have been making payments since XX/XX/XXXX for merchandise I do not have and apparently I should have had a XXXX balance since the 1st initial dispute in XX/XX/XXXX I used my debit card with XXXX for part of the transaction and they gave my {$700.00} back in XX/XX/XXXX. Why does CITIBANK think they are entitled to {$4000.00} of my money when I don't have merchandise NOR did I authorize the charge AND they received the money back from XXXX XXXX??
The company was through a school that is currently being investigated for misuse of funds, loans, education promises etc. The company was suppose to give me {$4000.00} for my student loan so that I can finish school and graduate, they did not. They also claimed that as long as I was in a college or school that all I would have to pay is {$20.00} a month, that did not happen. The more I kept tell the less they listened. After XXXX years I stop paying and request through the original school which was XXXX University online to tell me where my funds went I got no were. Also I was a victim of ID theft from XX/XX/XXXX-XX/XX/XXXX per the IRS so I am not sure being that they do not release their information on an open investigation. I was ripped off to a tune of over XXXX plus. Until today I do n't know if that organization or other are within that investigation, but I did file a police report and have that on file. I do n't like paying for something I never got, I do not work with in a financial institution so I do n't know what funds they kept or release because what was on paper was not what I received. I also had no problem paying the {$20.00} a month because even as we speak I am still XXXX. Been XXXX continuously since XX/XX/XXXX to present so I do n't know why they did not honor there agrement and raised my payment to {$70.00} a month when that was not the verbal or so call written agreement that no one can locate.
XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.
In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with Transunion Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX Transunion and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX   credit report in XX/XX/XXXX. 

Upong disputing the debt, the collection was removed. 

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached -- Proof of my payment in XX/XX/XXXX ) for a " Bad debt '' that I never Received a written notice in the mail or even a phone call about, EVER! 

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit. 

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client. 
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )
A previously removed account fro m CBE Group ( acc  #  XXXX  ) was removed from my   XXXX   report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my  XXXX  collection report. The collection company and  XXXX  are in violation of the FRCA, and this account need to be removed.
I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,
We were going to refi with our mortgage company, they lied to us about charges, we cancelled. they said we would have NO charged repeatly. We have a {$30.00} charge that I 've called every month for 3 months now to get taken care of. They give me the run around, XXXX department says I have to talk to the other and vice versa, no one seems to know whats going on. Refi department says we will not have to pay it but customer service needs to fix it. customer service says we have to talk to refi. then we get the same run around. month after month I call and then get the same run around and the charge is still on my account.
This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.
Caine and Wiener have NEVER SENT ANY CORRESPONDENCE TO MY HOME ADDRESS, this is NOT MY ACCOUNT, I have reached out to them on many occasions only to be told this is my account, THIS IS NOT MY ACCOUNT, AND I WANT IT REMOVED AND DELETED FROM MY CREDIT REPORT, I AM A VICTIM OF IDENTITY THEFT AND HAVE SENT THEM THE COPY OF THE FTC REPORT AS WELL WITH NO RESPONSE, I ALSO FILED A CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX AND IT WAS CONVERTED TO A CHAPTER XXXX ON XX/XX/XXXX WHICH I INCLUDED THIS ACCOUNT ( ONLY REASON I INCLUDED IT WAS BECAUSE THEY WERE AND STILL ARE REFUSING TO HAVE THIS DELETED FROM MY CREDIT FILE, PER MY ATTORNEY INCLUDE IT WITH THE BANKRUPTCY SINCE ALL INFORMATION I MYSELF, ATTORNEY AND TRUSTEE HAVE SUBMITTED TO CAINE AND WEINER WITH NO RESPONSE, I WANT THIS ACCOUNT TAKEN CARE OF AND DELETED FROM MY CREDIT FILE.
In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. 

I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. 

This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.
I am fully ready to submit any documentations requested in order to fully support my claims and my case. 

My home and everything in it was completely flooded and destroyed on XX/XX/XXXX. Since that date, I have been diligently and carefully piecing my life back together, including rebuilding my house, replacing everything in it, and most of all, ensuring all of my bills are paid on time and all of my finances are in order. 

I first contacted XXXX XXXX about my situation in XX/XX/XXXX, where they then referred me to submit paperwork through their website to apply for emergency forbearance. Once I submitted this, I was approved due to the circumstances for deferment from XX/XX/XXXX - XX/XX/XXXX. 

What I was not initially made aware of was that XXXX XXXX was already reporting my accounts as delinquent to XXXX, who was updating this information to my credit report, and as a result, dropping my score dramatically. 

When I noticed that the accounts were being reported as late/delinquent, I attempted to dispute with XXXX, who quickly closed my cases and directed me to talk to XXXX XXXX directly. XXXX XXXX stated that their hands were tied since the delinquency was already reported during XX/XX/XXXX. 

I have always been an immaculate borrower and have never ever, NOT EVEN ONCE, been late on any payments on any accounts, EVER. I would have never even requested deferment if it weren't for the extreme circumstances as a result of the natural disaster. 

Please consider my statement and the facts I am presenting you to find an appropriate solution. My credit shouldn't be permanently tarnished due to this small hiccup as a result of a GIGANTIC natural disaster. 

Thank you.
PNC Mortgage refused to refinance but before confirmed that everything was ok and ready to do it, no returning my calls and emails ... .just sent me a letter that was denied because the application was incomplete. I faxed and mail several information requested, statements, contracts, bills copy, taxes. They offer to lower the int rate and make spend money in apprais al ( {$580.00} ) ap praissal was {$600000.00} loan was less than {$190000.00}.   Please see documents attached.
XXXX has called me several times over the years regarding a student loan ; initially I thought the loan was mine. As of late I am questioning the validity and merit of this loan as me being the true applicant. I am unable to speak about the loan with customer service because 1. The date of birth associated with the account is not MY date of birth, so I can never get passed their security questions. 

2. They asked me to send a photo ID showing my date of birth, which I did XXXX XXXX/XXXX/XXXX ) and they STILL refuse to speak with me about the loan. The date of birth on my drivers license is not the date of birth on their account. 

I do not believe this is my loan and have filed a complaint with credit bureau as well but have not been able to get any closure due to the fact that I do not know the persons date of birth on this loan. Please advise. Thank you kindly.
Citizens bank allowed my bank account to continuously overdraft for weeks adding up to {$1000.00} in overdraft fees and return payments. When I spoke to a supervisor, He said the best he could do was refund me XXXX @ {$35.00} fee. When I asked for corporate numbers, he refused. I have had this account for 15 years and now Its overdrawn {$800.00} due to their {$1000.00} in fees. I will be seeking legal council but I hope someone will reach out and address this issue before having to do so.
I 've been disputing Wells Fargo Dealer Services since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time Wells Fargo Dealer Services confirms that this account belongs to me. I 've asked XXXX, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with Wells Fargo Dealer Services and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
My name is XXXX XXXX. 
I am requesting Capital One to correct the mistake that it made, and remove the hard inquiries on my credit file that were performed in XXXX and XX/XX/2018. The timeline of the events is as follows : I have received in XX/XX/XXXX a " You already pre-qualified letter for the XXXX XXXX, reservation # XXXX and access code : XXXX. 
Signed by XXXX XXXX Senior Vice President, XXXX XXXX P.S. Don't miss this exclusive offer. Get the NEW XXXX Card and watch your points add up! Reply today. 

Since I already have 2 credit cards with Capital, I wanted to make sure a third application will be favorable, and therefore I called Customer Service and I was rest assured the application is pre-approved and it would be no problem to apply. I have also stated to the Customer Representative that I have changed my address from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and again the representative stated it should be no problem with the application. 

After the conversation with Capital one representative, I have temporarily removed the security lock on my credit file, and completed the application on-line for the XXXX XXXX, and I have received the message that I am conditionally pre-approved and I must call for more details. In the call, the Capital One Customer Rep stated I need to send additional information about my identity to prove that I am the person making the application. 

I have noted that Capital One have accessed my credit file, and made 3 hard inquiries with all 3 credit bureaus. After the inquiry has been made successfully, the credit file security lock was activated again. 

As a response to the request, I have sent few faxes with all documents requested, but with no success received. I have called again multiple times to confirm if my documents were received, but Ive been told the Fax images are not clear and I must send the documents again and again. In total, Ive send 3 different faxes ( in color and black-white ) and also Ive mailed an envelope with copies of my documents. 

On XX/XX/XXXX and XX/XX/XXXX, Capital One has made unauthorized attempts to access my locked credit file, only succeeding with XXXX. 
The result was my application for XXXX XXXX was declined.I am very disappointed with the Capital One and the overall application process for XXXX XXXX. 

I made multiple calls, sent faxes and mail, and lost a lot of time trying to clarify what I was told to be a sure thing. Above all, I am perplexedly disappointed that Capital One made another ( unauthorized ) enquiries on my credit file, without asking my permission. 

I had applied for this credit card in good faith, however it was done under the false pretense that I was " pre-approved '' - in the end all I have got was 4 hard inquiries and a lot of frustration and time lost. 
Respectfully, XXXX XXXX
Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this " refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer.
My account statement for a Chase Credit Card was due on XXXX XXXX in the amount of {$1700.00}. I processed the payment in full on XXXX XXXX XXXX day prior to the due date in the amount of {$1700.00}. The back of the statement states and I quote " If you pay your account in FULL each billing period by the due date and time due, NO INTEREST is charged on new purchases month to month ''. I call this evening and question why when I paid my account balance in full per my last statement was I charged {$25.00} interest. I was told that is the interest due from the XXXX of the month until such time I paid my balance on the XXXX. That is contradictory to the information listed on the back of their statement. He then proceeds to tell me that if I pay the new balance in full with the interest charge by the due date I will not be charged any further interest. That is exactly what I did last month but yet am charged interest. I am forwarding this information to legal counsel as well as it appears there is " double dipping '' occurring and they feel the consumer wo n't questions this. If a statement balance is paid in full by the due date it is paid in full. At this rate you would never pay the card off as they would continue to generate interest monthly unless you overpaid.