WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank account holder ( the XXXX ) passed way in XX/XX/XXXX. At the time of XXXX the XXXX was a citizen and resident of XXXX. The XXXX maintained 2 accounts ( the " Accounts '' ) with Citibank for the benefit of his cousin ( the Beneficiary ). The Beneficiary is a Citizen and Resident of XXXX. The executor and the beneficiary have been trying since XX/XX/XXXX to get balance and accounting information and closure for the Accounts.. Citibank has imposed shifting requirements on the closure of the Accounts. Citibank has refused to provide the information or close the Accounts. 

Chronology of Events is as follows : XX/XX/XXXX - Executor sends notice of Appointment as Executor of XXXX XXXX XXXX. 

XX/XX/XXXX - In response to Executor 's letter requesting accounting and closure of Accounts, Citbank instructs that a certified copy of a XXXX certificate and notarized letter of instruction from Beneficiary is first required in order to close the accounts. 

XX/XX/XXXX - Executor provides Citibank with among other things ( 1 ) a certified copy of XXXX  Certificate ; ( 2 ) a notarized letter of instruction from Beneficiary instructing Citibank to close the accounts and remit funds to the Executor. 

XX/XX/XXXX - In correspondence Citibank advises that all documents must be in English translation and must include attestation from U.S. Consulate, Embassy, or Apostille. For the first time, Citibank informs Beneficiary that a Federal Transfer Certificate ( FTC ) will need to be completed. Citbank provides a telephone number but no one calls back after messages are left. 

XX/XX/XXXX - Citibank is provided with English translation and certification with Apostille of the following : 1. XXXX certificate of XXXX, 2. Notarized letter of instruction from XXXX. An FTC was not completed for the following reasons : 1. FTC requires the disclosure of account balances being transferred. To date, Citibank has refused to provide this information, making completion of the certificate IMPOSSIBLE. 2. Funds held by XXXX for the benefit of Beneficiary were never property of XXXX 's estate, but belong to Beneficiary, XXXX. Completion of FTC is not required for property administered by an Executor.
I HAVE A SAVING ACCOUNT WITH ALLY BANK. BANK CLOSE STATEMENT XXXX XXXX OF EVERY MONTH. TODAY, XXXX. I DID NOT RECEIVE MY STATEMENT BY XXXX. I CALLED THEIR CUSTOMER SERVICE BUT THEY NEVER CO OPERATE WITH CUSTOMER. THIS BANK HAD A VERY BAD CUSTOMER SERVICE. I CLOSED MY OTHER ACCOUNT IN XXXX XXXX BECAUSE OF THEIR HORRIBLE CUSTOMER SERVICE.
XX/XX/2018 my XXXX account was hacked and someone made a {$450.00} purchase on my account without my permission. XXXX sent me an email that there was fraud on my account. XXXX card services would not remove the charge. Thanks for looking into this problem. I closed out my XXXX account and cancelled my credit card and received a new one.
I received a promotion in the mail fr om Santander Ban k to open a ne w Business Account  with them in exchange for a {$500.00} bonus. The requirements for the bonus were to maintain an average daily value of more than {$1000.00} for more than 3 months.  <P/> I opened the account with a banker and a {$100.00} deposit. The banker said I could deposit the rest of the money when I got my debit card, which did n't arrive  for 2 weeks. A s soon as I got the debit card I deposited {$1000.00}. I then kept the balance of my new account above {$1000.00} for the proceeding 4 months.  <P/> I saw no bonus deposited, so followed up  with Santander who r eviewed and denied the bonus twice, citing that I had not maintained an average daily value of over {$1000.00} for 3 months.  <P/> It is misleading that the promotion was advertised in such terms, I deposited the funds as soon as I was able ( once I had received my banking card ). If the requirements were to have {$1000.00} in the account from the day the account was opened, they should ha ve A ) explicitly said so in the promotion they sent me, and B ) the banker should have indicated this. I made t he banker aware of the promotion, and she manually reviewed it and entered the promo code into her system when opening my account. She told me that waiting until my debit card arrived would be fine to deposit the full {$1000.00}. Had she told me that I needed to deposit the full {$1000.00} that very day, I would have certainly done so.
for one, they ALWAYS autodial my call, never state who they are until i give in and give them personal information. If i ignore the call on my cell phone it redials immediately so that they are calling me within seconds of hitting ignore. I have no Idea how they do this but it happens everytime, the only way to get it to stop is to turn my phone off by removing my battery ( includes remiving a difficult to remove protective case ) or by answering. Whne I expressed that it is illegal to use an autodialer system on a cellular phone line the representative told me " thats your problem '' I informed him of the law, he said " it is a system used to call you '' then when I talked about the harrassing calls he stated that they are allowed to do this. I know my rights you can not call me 20 times back to back to back if i ignore or do not answer the call. <P/>also to get them to identify who they are is like pulling teeth. wont tell me who they are or who they are with unless i agree I am who I am and other information. Information I do not feel comfortable giving over the phone to someone who calls me
Loan funded Role : Borrower Applied : XX/XX/2018 ( 4 months ago ) Financing Amount : {$2700.00} Interest Rate : 14.50 % School logo Application Ref # XXXX XXXX XXXXXXXX XXXX Start Date : XX/XX/2018 I attend XXXX of XXXX, Fl for a XXXX XXXX which cost XXXX as told with option of monthly payments that was never made clear until I finish the course and started receiving email how I need to make $ XXXX  monthly payments when I talk with climb credit the company who loan the money for the XXXX XXXX told me over the phone monthly payment are set by me I pay what ever I can offered so I said ok. A few months later I'm being told I have to pay {$500.00} because I miss two monthly payment when on their web site ( climb credit My Applications login ) I cant set up my monthly payment plan to what ever I like. Why have this option if it will not be honor this makes no sense how can I choose my monthly payments in the first place if this institution imposes a mandatory monthly payment please help they are practicing illegal lending thank you.
I saw a hard inquiry on my equifax from XXXX XXXX XXXX XXXX XXXX without my Authorization , XXXX XXXX XXXX is denying that they have not done any hard check, Equifax recognizes the hard pull
CALLED AND DEMNDED PAYMENTS BEFORE THEY WERE DUE BY 15 DAYS. FALSE CREDIT LIMITS AND INCREASES PROMISED FROM BEGINING TO END. HARASSING PHONE CALLS. NO HELP FROM SUPERVISORS. FALSE CHARGES ON MY ACCOUNT. HOURS WASTED ON THE PHONE. THE MOST EVIL COMPANY THAT I HAVE EVER ENCOUNTERED. THAT IS THE SUGAR COATED VERSION.
For Experian. Please note case number XXXX on file for XXXX. 
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX
I 'm selling a Minivan on XXXX, and guy text and says he will take it, but can only use XXXX. Get email from XXXX to wire fee thru XXXX XXXX and then I would receive payment. Called XXXX this morning and they said they would never ask for fees and to call police to file a report, plus contact XXXX to file fraud charges with them.
I've contacted XXXX  many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
My XXXX year-old mother has been telling me for many months that someone is calling her house every day and then not talking when she picks up. I was visiting and saw calls from this number on her phone memory for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I googled the number and the company and there were many complaints from people and I got their contact phone number. When someone answered, I told him that I wanted to know why they were harassing my XXXX year-old mother. He told me they were looking for someone named XXXX with the same last name as my mother. There is no one named XXXX in our family. They just randomly chose my mother to harass because she shares the same last name with the person they want. They made no attempt to find out if he lived at the number they were dialing FOR MONTHS!!!
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX
I purchased two items using my TJ Maxx MasterCard issued by Synchrony Bank totaling {$31.00}. I received a statement for the transaction and a minimum payment of {$25.00}. The items were both damaged in transit. After following up a few times looking for the refund credit, I filed a dispute for the transaction amount ( {$31.00} ). After a few days, I received a credit for the merchandise less the shipping and handling fees ; less than the transaction amount. I made another phone call to request the remaining balance ( shipping & handling fees and tax ) and to question why I was still required to make a minimum payment for merchandise that I did not have/receive. I was told that I would receive a customer satisfaction credit for the remaining balance but I had to make a minimum payment since the credit for the disputed transaction and the customer satisfaction credit posted in a different billing cycle. I requested to speak to a supervisor regarding this issue. I spoke to a customer service manager XXXX from Ohio ( operator number XXXX ) to explain my perspective, which I think is predatory and not consumer friendly and he echoed the same message. I know that I should at least have 23 days to receive a billing statement for new transactions before a payment is required. Synchrony Bank seems to be violating this law based on this disputed practice. I have excellent credit, so I am left paying for transactions that I have not been billed for so my credit is unharmed despite having no merchandise. Seems like a XXXX thing to do to customers. It is already poor enough to work with an ordering department and a billing department for this issue, which seems like common customer courtesy.
On XX/XX/2018 I sent the final payment to XXXX Credit Card ( phone XXXX ) to complete a 12 month special promotion. They claim they did not receive my check so I agreed to send a another check by overnight mail. They then cashed both checks, the one they claim they did not receive plus the one I sent overnight. 
They said they would send an electronic transfer to my checking account for the over payment. They have not done that as of today, although they said it would be an immediate transfer to my checking account. 
The amount I am owed is {$2200.00}. I have also incurred costs of late payment fee and USPS cost for overnight mail. 
In trying to resolve this issue, I have dealt by phone with two supervisors who 1. Lied about not receiving my first payment and 2. Lied about returning the overpayment. 
My payment record for over 40 yrs with XXXX, XXXX, XXXX is without blemish and I have credit score over 800. However, this is the second time Ive experienced this problem with XXXX  special credit promotions when they claim to not have received the final payment on time, so I accept personal criticism for being fooled twice. I believe this practice by XXXX Is intentional so that they can bill a late fee plus accrued interest. I sent the final payment in ample time to meet their required date. They of course can claim they did not get the check, how can the customer argue or have proof that XXXX did have the payment on time?
I have a bankruptcy listed in my credit files that Transunion is reporting which is inaccurate and incomplete. The XXXX XXXX requires that the credit agencies provide mechanisms to ensure each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the XXXX XXXX XXXXXXXX and XXXX stating that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy on file for me. Yet Transunion keeps telling me they have verified it with XXXX and I know that they are not investigating my case.
I believe they have someone else info on my acct but there is no way you can TALK to anyone to discuss Their phone system runs you in a 1-2 loop with no other option for discovery of fact.
File Number : XXXX Dispute Date : XX/XX/2018 Report Date : XX/XX/2018 TransUnion 's reply to my dispute was as following quoted : We investigated the information you disputed and updated : Not specified. TransUnion allegedly re-investigated my dispute without verifying the disputed information with XXXX XXXX XXXX XXXX ( the data provider ). TransUnion failed to comply with 15 U.S. Code 1681i ( a ) ( 2 )  ( A ) before the expiration of the 5-business-day period beginning XX/XX/2018, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX. As a consequence of TransUnion 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until TransUnion reports my dispute to XXXX XXXX XXXX XXXX. TransUnion 's re-investigation of my dispute was unreasonable. TransUnion persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX account. The inaccurate information being reported by TransUnion has been seen and used by one of my creditors to significantly drop my credit score.
Wells Fargo Dealer Services is my auto loan lender. After only XXXX days of being past my payment due date, they have harassed and called me 3 times a day, at all hours, every day for 2 weeks straight without ceasing, which I find predatory and very uncomfortable. They also press you for a good and specific reason as to why you are late in making your payment.
This company has called me numerous times for someone that I do n't have contact with. I 've asked them repeatly to erase my phone number from the files & they have yet to do so. I 've left messages saying that I was n't the debtor & ive called the company & was harrassed and hung up on. Please make them stop calling my phone during work hours!!
Due to financial constraints, and holding on to my property post the height of the economy ; I opted to try to sell my home to get out from under it. I purchased my home in 2006, the value of the home is barely what I purchased it for. I purchased it for {$270000.00}, appraisal is for {$280000.00} with all the upgrades in the last 10 years. I had a buyer with an offer of {$270000.00}. The offer was accepted by the first mortgage and denied by the second mortgage, therefore forcing me into forclosure and ultimately bankruptcy. The load was a fannie mae dictating how much money would go to the second mortgage. The system is broken. I thought things were better to support this type of situation. How can a bank deny the sale. How can a bank deny the sale based on " principle '' as they said to me. They would rather have nothing than the amount offered to them.
After reading about the CFPB lawsuit against Navient, I believe I am victim to some of the alleged misdeeds by Navient. First, I was denied a cosigner release despite having a household income above $ XXXX. Second, I have been unemployed and without income as a XXXX since XXXX 2016, and Navient did not inform me of an income-based repayment option ; I was ushered into forbearance for the past year. The private loans are set to come out of forbearance in XXXX with a year 's worth of interest accrued.
XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.
XX/XX/XXXX I sold my home after 47 years, Had the XXXX card since XXXX. 
I drove and traveled around us for 3 months using my brothers address in SC. Got locked out of my card constantly for the address which was hard as I was driving down to the south. Short version my cell broke, got a new one and then it began. They would not accept It was new. would not help, e and locked up the card. I needed to verrify from the old cell, Talked to fraud dept many many times, they said the ladt one its fixed promise you. 
I prepayed on XX/XX/XXXX dollars cause I was locked out on line, Tried to use card XX/XX/XXXX by my new home in XXXX, wa. emabassed cause I was locked stil. would not give me gas so I used my visa. Not my XXXX gas card. He chaged me XXXX on my card but I did not get it with the card. 
I jad it on my visa. I just gots tmt called. again they wont accept its me because they dont have this cell. I gave it to them but not good enough nor do they record it. I was on my old home phone that they have the number. 
He sent me a code I gave, it back but not good enough becauee the phone is through the internet. I have a nalance owed of XXXX since I had paid ahead XXXX dollars. I will have to pay this to save my credit but I did not get the gas my account was locked. These people are not practising good business practices, I told them to close my account and he said pay the bill. I told them before to close the account and he at the fraud division isnce no no I fixed the problem. Here I am payimg for something I did not buy, The XXXX gentleman at the counter thought it was funny. He must have put the gas in his vehicle. what time was it pumped?
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one behind Convergent. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Convergent ) directly on or about XX/XX/XXXX or XX/XX/2018 ( attached ). They responded validated because they provided me with a 5 page bill which isnt quite VALIDATINGanything. Im simply seeking assistance in getting this matter resolved.
1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
Purchase was made with XXXX XXXX which was not to suppose to charge my Chase Card nor Chase was suppose to charge me. This matter was well discussed and was going on months and months just to frustrate and not resolve by the facts and merits. I have a number of dispute with chase and they are very wrongful people they know it well as I know them well know, it is just out of way in the business due to the relation with these people. I will discuss in particulars of the matter when you get through and I I hear from you in particulars in written form that will be subject to discussion. Looking forward to hear in this respect. Sincerely.