WillisBack/dataset-financial-user-claim huggingface dataset:
This account was settled with the originating creditor prior to being put in for collections. I have not signed a HIPAA release form authorizing this third party creditor access to my medical information and a HIPAA complaint will ensue.
I have an ATT Universal credit card with Citibank. On XXXX/XXXX/15, I wanted to authorize an online transaction in the amount of XXXX British pounds ( a bit more than {$3000.00} ), to a firm in the XXXX XXXX, for the purchase of a collectible item ( a coin ). Citibank 's fraud protection unit often blocks transactions of this type ( they blocked XXXX of mine just three weeks prior ), and I contacted Citibank through its online secure messaging system to notify them that the transaction would be coming and that it was valid. The electronic response I received told me to telephone them, which I did on XXXX. I gave them all the information for the transaction, including the anticipated date it would be completed ( XXXX/XXXX/15 ), and I was assured it would be processed. 

On XXXX, I received notification from the vendor that the transaction had been declined ; I also received an email notice from Citibank that it had been declined. I telephoned Citibank again in the evening of XXXX, and they advised that the account had not actually been noted to approve the transaction ( despite the separate electronic and telephone notifications I provided ), but that they would do so now : I was assured that the transaction would be approved when the vendor resubmitted it the next day, XXXX ( at this time it was already after business hours in the XXXX XXXX ). As further assurance, the Customer Service Representative told me that she or someone else from Citibank would contact me when the transaction went through. 

After speaking to Citibank, I contacted the vendor to authorize him to proceed. 
On XXXX, the vendor notified me that the transaction had again been declined ; I also received an e-mail notification from Citibank that it had been declined, with a request that I contact them to verify whether it was valid. 

I AGAIN verified that the transaction was valid, using Citibank 's electronic verification system, which advised me to have the vendor re-transmit the transaction. I then attempted to have the transaction go forward ... and it was declined again. 

I then XXXX telephoned Citibank, but I was not able to reach anyone at Citibank to clear this up -- both times the phone system just went through voice prompt XXXX -- but when I checked my account online I found that they were XXXX " pending '' transactions for the vendor, each in the full amount. Those XXXX " pending '' items match up with the XXXX separate attempted charges -- each of which was returned as " declined. '' Notwithstanding that the charges were all declined, my available credit limit has been reduced by an amount equal to the total of the XXXX failed/declined transactions. 

I then threw up my hands and ran the transaction using a XXXX credit card -- which went through without a hitch.
Chase To whom it may concern : I 've been undergoing a hard financial time since beginning of XX/XX/XXXX ( family emergency- please see my hardship letter on file ). 
I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
Received review of my options on XX/XX/XXXX but was n't agree with some numbers on Eligibility Data pages and have my application re-submitted again. 
Received another review of my options on XX/XX/XXXX. 
The only XXXX program that fits my situation is " Home Affordable Modification '' ( Tier XXXX ), but this program was not even indicated on the list of " Options For Which You Are n't Eligible ", ( Section XXXX, page XXXX of XXXX ) Besides, this list indicates XXXX XXXX modifications, but this loan is not XXXX loan at all.
I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment
On XXXX XXXX, 2015 I requested that Lexis-Nexis provide me with free annual reports of all facets of its consumer reporting group. Lexis-Nexis partially complied with the request. Lexis-Nexis failed to provide me with a free annual consumer report from their XXXX division. I demand that Lexis-Nexis provide me with free annual report that is created by the XXXX division. I have tried to talk with the XXXX department, but their automated answering system keeps me on hold for XXXX minutes and then hangs up on me. I have tried every communication method that Lexis-Nexis provides and each one of them stymies my attempts to clear this problem on my own. Currently Lexis-Nexis is in violation of the FCRA and FACTA statutes because they failed to provide me with the XXXX free annual report within XXXX days of the XXXX XXXX, 2015 request. Lexis-Nexis XXXX divison is required to answer consumer inquiries within a time frame dictated by regulations. Lexis-Nexis XXXX has failed to respond to my repeated calls within the legislated time, therefore that is a XXXX violation of FCRA.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to XXXX XXXX, Experian and XXXX regarding XXXX XXXX XXXXXXXX for {$2300.00}, XXXX XXXX XXXXXXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX 's letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
When l checked my XXXX  and XXXX Reports, l noticed that on XX/XX/2017 an unknown inquiry was made by CAPITAL ONE which l have no idea about it at all.
I used XXXX charge card to make a purchase of XXXX XXXX membership on XXXX XXXX XXXX. I had an offer " Spend $ 99+, get 5,000 Membership Rewards Points '' and it was attached to the card before the transaction as required by XXXX . However points did not post and I did not receive a confirmation that I used that offer. I contacted XXXX in regards to this issue and they opened a case and started investigating on XXXX XXXX XXXX. I also provided a receipt from XXXX with the description of that transaction for XXXX. It has been more than a month and that case is still pending. It is annoying to keep thinking about those points and transaction. I want XXXX to give me 5000 Membership Rewards Points as they promised and also add 5000 same point as a courtesy for all this disturbance.
In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to  another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at Experian about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that Experian advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both Experian and XXXX  that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
There is a credit inquiry from XXXX XXXX that was processed and affected my credit. The inquiry was for prescreening only and would not impact my score. I never authorized any inquiry that would impact my credit score.
My husband recently received an end of lease inspection from U.S. Bank for a XXXX XXXX. This was our XXXX vehicle lease but XXXX through U.S. Bank so we have XXXX times prior gone through a lease inspection with no charges imposed for ordinary wear and tear. I am an XXXX. In my opinion, the lease inspection was a joke and this particular institution is improperly using the inspection process as a profit center. Damage that was clearly ordinary wear and tear ( minute scratches on bumpers ) was categorized as excessive. A small dent on a passenger door valued at {$1500.00}. Most ridiculous, a {$200.00} charge for a missing car manual which was actually present ( in the glove compartment ). Apparently blind to the obvious, the inspector never even asked if my husband had the manual. A U.S. Bank customer service representative said we would be charged for the manual, even if returned with the vehicle, unless we took the additional step of ensuring the dealer wrote the bank a letter confirming that the manual was present. This is a ridiculous shifting of the burden of proving damage. 
A quick internet search indicates that there are many complaints that U.S. Bank is " inventing '' damage and collecting excessive fees for ordinary wear and tear. A complaint letter I drafted to XXXX XXXX, General Counsel at U.S. Bank, went unanswered.
I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
On XXXX/XXXX/XXXX my account was overdraft XXXX and i was fee of XXXX dollars on XXXX/XXXX/XXXX i was fee again for XXXX dollars with no notifications where i have checked on my account to receive notifications. 
on XXXX/XXXX/XXXX i was fee again for XXXX dollars XXXX was fee again for XXXX dollars on XXXX was fee again for XXXX dollars XXXX was fee again XXXX dollars XXXX was fee again XXXX dollars I went to my fifth third bank branch to see if this can be forgiven knowing that i have a good credit standing, i paid off their car loans that was with them with a 5 % apr.
The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX
I been trying to get a loan modification with well fargo bank for the last 3 yrs.it 's look like they 're do n't want to work with me.I feel that i 'm making enough money to work out this problem.please I need help to try to keep my home.thanks.
FedLoan Servicing, who took over my debt from a prior lender, has created a slew of problems that has lead to a gradual increase on the principal of my loan. Primarily, the issues have been with long delays in initiating a loan repayment plan, which has forced me to forbear my loans on multiple occasions during which periods interest accrues.     On the first of such occurrence, after the end of the tax year, monthly payments suddenly increased substantially without any warning whatsoever. Because I was on a plan that used automated debit, an amount exceeding the balance of my checking account was automatically withdrawn, creating a major inconvenience for myself until the issue was later rectified. The subsequent process to forbear the loan, await approval of a new payment plan, and restart payments was unreasonably long ( > 3 months  ).      The second of this occurrence developed during which new tax information was submitted in a timely manner, however, the approval process was again delayed for an extended period of time  ( ~2 months ).      On the third occurrence, the approval process took 3 months.     By comparison, I have other lenders that express little or no difficulty initiating an appropriate payment plan without the need to forbear my loan and accrue interest. This practice has lead me to believe that this is a deliberate action on the part of FedLoan Servicing in an effort to collect more money over the life of my loan.
I received an offer from XXXX XXXX offering XXXX reward points after spending XXXX. I applied and received the card. I made the purchases on the credit card within the time frame only to have XXXX XXXX tell me that I do n't qualify for the offer because I hold another XXXX XXXX card. I have written complaints. To XXXX but have n't received the credits. XXXX XXXX sends out offers to consumers to get customers and need to abide by the rules and honor their offers. I could have spent my money with other credit card carriers and received rewards for using ther credit cards.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I refinanced a mortgage through US Bank in XXXX 2015. In order to get a XXXX bps reduction in the rate I was told I needed to open a checking account in a branch. I went into the branch to open my account, and the girl opening the account offered me another credit card ( I already had XXXX from US Bank for several years ). I told her I was n't interested, and a week later I received a new credit card in the mail. After calling the branch manager to find out what happened, he said " she accidentally pushed the wrong button. '' XXXX it takes more than one button to open a credit card -- more like a few dozen. After assuring me that the card would be closed and it would not reflect on my credit bureau, it now shows that I opened a card and closed it the same month on my XXXX report. Fraudulent accounts being opened by bank employees is not just limited to XXXX XXXX -- they were just dumb enough to get caught.
Experian keeps putting phone numbers as they list are not mine nor have I had these phone numbers as a lot of other personal information wrong. 

XXXX XXXX XXXX none of these are my phone numbers I have provided the right numbers and even sent you a copy of my phone number but Experian just keep coming up with information that 's not mines. 

XXXX that is my number that 's in my name. 

I 'm also filing a FTC complaint on Experian
Informed Portfolio Recovery to stop calling over the phone and to communicate with me in writing only. Instead of communication in writing, Portfolio Recovery keep calling from different phone numbers. The last phone number they used is XXXX.
I received a certified letter from Chase attempting to collect a safe deposit box fee that was cancelled and discharged through Chapter XXXX bankruptcy. I filed in XX/XX/XXXX, discharged in XX/XX/XXXX. The deposit accounts and all closed and discharged. 

I emailed the Chase Executive Team on XX/XX/XXXX, and still to this point have been told that the legal team has it but no updates or other information can be given.
I started the process to try and have things removed from my credit report, I called and spoke to customer service at XXXX XXXX about the lates on this account. I was unaware of this many lates for this account. They said that I was only late 1 time. But on my credit report it shows 7.
coinbase transaction # XXXX I sold my litecoin on coinbase website, they told me transaction was pending until Saturday XX/XX/17 ... as of today, I ca n't withdraw my money, I ca n't transfer my litecoin to a wallet, it 's a total of {$180.00} ... just sitting at coinbase, where I ca n't buy or sell any coins, nor withdraw the money to my bank account. Now they are saying more problems with their site, and it might be 15 days???? 

Alot of people are having problems look into XXXX ... 

thank you
This complaint is regarding Coinbase. On the XXXX XXXX 2017 I purchased XXXX Ethereum ( XXXX ) from them. The transaction went through ok and I received my coins. However a few moments later I noticed that they ran the transaction for a second time without my authorisation and a further XXXX Ethereum was deposited in to my account. I sent a message to their tech support via their website alerting them to this however I did n't receive any response and havent to this day. I then phoned my bank on the same day informing them of this. They said they would investigate and get back to me in due course. On the XXXX XXXX, I received an auto generated saying that my bank had removed money from Coinbase for a transaction that went through and that my account would be on hold until I paid the outstanding balance of XXXX. I tried to pay this on the site as I wanted to sell my entire holding of both Litecoin and Ethereum. The total holding was XXXX. However the site prevented an error message to try another payment method, none of them would work. So at this point I am unable to sell my coins or remove any of my funds from the site. I raised a tech support ticket on the XXXX XXXX stating the issue and that I urgently needed this resolved. I received an auto generated email saying someone would be in touch within 72 hours. However I didnt hear anything back and raised another on the XXXX XXXX. I also Tweeted their tech support team to see if that method would work. I tried this multiple times and did n't receive any response. At this moment in time I was very worried that they were running a scam so search the internet for any answers. I came across a XXXX forum where people had similar issues to myself. I found a telephone number for the company but I could only leave a message and no one responded. I found an address for them in the XXXX and when I turned up I was told no one from Coinbase had ever been to the building. I then posted my issue to XXXX on the XXXX XXXX and CC 'd in a number of their tech support and also direct messaged them. I then contacted XXXX XXXX ( Coinbase CEO ) XXXX ( XXXX XXXX XXXX ) on the XXXX XXXX he responded asking what the issue was. At the same time one of their developers responded on XXXX and looked in to my issue. My account was still locked on the XXXX XXXX and so I raised a tech support ticket again receiving no response. I was finally able to sell my holding on the XXXX XXXX for XXXX. A drop of XXXX. I approached their CEO again to enquire if they could look in to whether I could be recompensed as this loss is down to coinbase. Firstly because they took an unauthorised payment which meant my bank removed funds from them, resulting in my account being put on hold and secondly because they refuse to answer any technical support issues, XXXX or direct messages. A lot of people are having this same problem. I was told by their CEO that there is nothing they can do and now refuses to respond. You are my last hope in trying to get back anything from this sham of a company.
This company calls around 15 times a day for past due payments even when asked to not call.
I reported in XX/XX/XXXX a name change to all XXXX credit bureu, I went back to my maiden name. today is XX/XX/XXXX and on XXXX of the credit bureu my name is still wrong. I have not financed nothing since XX/XX/XXXX. Yet I have found numerous Items finaced in XX/XX/XXXX and later when I went to refinance my house this year. So we put a fraud alert on file. XXXX months later nothing has changed ... credit bureu 's have done nothing to take off the old reports or to fix the problems yet i 've sent documents, copys of dl # divorce doc ... this is crazy! Please help!
In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.