WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending XXXX in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfers and did not apply to future purchases. Not only would I not have signed up for the promotion whatsoever had I known that it was only for balance transfers, but I also would not have spent XXXX in one month! I saved the promotional email which is deceiving. It explicitly states " Want to avoid paying interest on new purchases? If you accept this offer, you can avoid interest on new purchases. Pay the Interest Saver Payment ( your minimum payment plus all non-promotional balances, including purchases, cash advances, fees, and finance charges ) by the due date each month, and you wo n't pay interest on new purchase transactions '' I do n't need a promotion to pay my credit card balance in full every month. I can do that without jumping through hoops to sign up for their promotion. This is the most deceiving fraudulent experience I have had in a long time! This deceptive tactic tricks users into signing up for a promotion where they believe their problems are over and they will have 18 months of no interest, so that after the users ( who probably would n't have spent the money anyway ) rack up a massive credit card bill, they tell you you must pay the entire balance to avoid interest! Truly unethical. This practice needs to be stopped. Companies like this are why the average American is in XXXX of debt. I lost {$300.00} balance transferring the amount away from my Capital One card onto other credit cards that " actually '' are giving me 0.0 % APR. I will be closing my account ASAP. Thank you for your time.
Dear Consumer Finance, Please note that I have also submitted this complaint to the Federal Reserve complaint line. XX/XX/XXXX, I walked into a Citibank branch in XXXX to close all my accounts ( savings, checking, and Checking Plus ). I settled all my charges and at no time did the teller inform me that with Checking Plus, no automated transactions should go through within the 48 hours. XX/XX/XXXX, I received correspondence from Citibank stating that I had charges through automated debits from XXXX. I was quite surprised since I was not informed of the rules, however, I paid for the amount owed ( $ XXXX+ ) and ask them again to close my account. Citibank 's customer service told me that it would take 48 hours once again and that no charges should go through. I agreed. By XX/XX/XXXX, I received another correspondence saying that I owe $ XXXX+ through XXXX and once again I settled, but, I ask them Citibank from the time I settled XX/XX/XXXX and to XX/XX/XXXX ( more than 48 hours ) there were no charges that went through so my account should have been closed. They promised me at that time, that all is settled and the account would be closed. Now this XXXX Citibank contacted me again to say that I have charges. Needless to say, I am quite upset! I am certain that the money I paid went towards bank charges for which I am NOT responsible for since the account should have been closed properly XX/XX/XXXX, again XX/XX/XXXX, then XX/XX/XXXX. I feel that I have been defrauded or the inability to close an account properly lies with the incompetence of Citibank. The collection manager I spoke to XX/XX/XXXX and again XX/XX/XXXX, accused me of 1 ) not really wanting to close the account ; 2 ) that he has no record of it. I was in tears over this and am still upset. Everytime, Citibank contacted me, I duly called them and settled my charges and ask them if the account is closed. They also went against their own rule by not closing the account during the period of XX/XX/XXXX - XX/XX/XXXX ( more than 48 hours and no charges went through ). This should have been a simple matter of closing one 's account. The misinformation, misdirection, and mishandling of closing a Checking Plus account is outrageous. Once again, I will not pay for any bank charges because of their mistake and I also feel that I have paid for all the charges that was automatically debited from Checking Plus. I have been forthright in paying all the past charges, and it has been more than 1 year since I 've tried to close the account. I have spent more than 18 hours talking with Citibank and I have had enough! Please help!!!!! Sincerely yours, XXXX XXXX XXXX
We have already submitted the complaint on XXXX XXXX # XXXX and it still has not been resolved. The continue to allocate the payment as follows.They take out the minimum on the revolving charge and allocate the balance on the promotion. I have called and even spoke to an executive XXXX XXXX XXXX XXXX XXXX and assured me the allocation will be as follow. Pay the entire revolving charge in full and any balance reduce the promotion. My latest statement show they have not done this and continued to allocate in a way I believe is fraud. 
Please help in this situation. XXXX and XXXX XXXX XXXX
XXXX XXXX XXXX XXXX had granted my daughter a scholarship to attend. Half way through the year, XXXX XXXX added full tuition to our balance of XXXX XXXX We had previously found discrepancies in their accounting and brought this to the attention of XXXX XXXX XXXX whom is responsible for accounting at XXXX. This was handled in full. Fast forward to the next school year where my daughter was told that she would attend XXXX but only through an online program for 100 days and that we would then be in the same position as a public school in that the state covered the tuition. This bill did not pass legislation and so XXXX XXXX opted to back charge us. We attempted to resolve this matter with XXXX to no avail, All documents will prove this. Just as well, we have been working with the Nevada XXXX to hold XXXX accountable. Our contacts at the XXXX are XXXX XXXX and XXXX XXXX. So in short, our daughter did not attend XXXX for the time in question. She has been in online school. 
Sentry Collections and Recovery placed a derogatory mark on my credit file though I had been already disputing the debt with the original creditor. 
Never did they send information to my home via mail or even call. Only until I saw my credit report, did I contact them at which time Sentry could not verify the debt, changed the amount allegedly due, and added verbiage to manipulate their position. 
These people threaten to garnish wages, sue, and even have a fraudulent " legal '' department. 
If ever the government needed to step in and shut down a business, this is it. 

Neither XXXX or Sentry can validate the amount due. The requested amount does not match between the XXXX. 

Lastly, I have been served papers from Sentry which after my review of FDCPA is in direct violation.
I have made two payments this month to my mortgage company through my online banking at XXXX XXXX XXXX. My mortgage company is Nationstar / Mr Cooper. Both payments have been rejected by the lender and returned to my online banking account. I havent been able to get them to mail me statements for over a year despite repeated requests so I have had to go online to their website to see my statements. When I logged on this evening I was greeted with a message saying my mortgage has been transferred. There is no information about where it has been transferred to, nor have I received any notice regarding the transfer. Can they do this? 

Additionally, there is a statement online that says my payment which is due to them, will be past due on XX/XX/XXXX! Yet they have returned my payments TWICE this month! 

I need help please!
Equifaxed leaked my data due to their negligence, and I have to pay {$30.00} to freeze my credit to protect myself from their mistakes. I will have to pay again to unfreeze. Equifax needs to be liable for all individual 's whose data was leaked.
This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. 
The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. 
The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. 
One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. 
The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. 
This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. 
Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. 
By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors
Bank of America refuses to allow me to use my credit card for internet purchases. I am only allowed to use the card for in person transactions that use the chip. Several months ago fraudulent activity was discovered by Bank of America. Since then, Bank of America will no longer allow me make credit purchases except in person with the chip. I have called Bank of America 6 times and am told it 's the merchants fault. That is false. I could not use my credit card for XXXX, XXXX XXXX XXXX, XXXX and XXXX.
We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of " Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. 
On XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.
My wife and I had an American Express Credit Card as members of XXXX. XXXX ended their relationship with American Express on XXXX XXXX, 2016. We were issued a substitute membership card from XXXX as of XXXX XXXX, 2016. 

Our last Statement from American Express enclosed a draft for {$78.00} ( and change ) as our rebate rewards for our purchases with the Amex XXXX card. We lost that draft. 

We went to our local XXXX store and asked them to re-issue our rewards draft. XXXX told us that they could not -- only American Express can re-issue the draft. 

I telephoned American Express at their customer service telephone number on their Amex card. I got a recording stating that the credit card was closed. Repeated telephone calls all failed. HOW DO WE GET OUR REBATE?
This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.
On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, Wells Fargo, to inform them of the error. Wells Fargo stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding this error. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is located in XXXX not in the US. Wells Fargo nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.
A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.
I have submitted information several times to Equifax regarding a  XXXX   XXXX  dispute but they still refuse to correct the problem.
Over the past two years I have been paying monthly payments to XXXX XXXX now Navient through my bank 's bill pay service. These payments have been accepted by Navient using the Navient account number I used to set up my bill pay service up until XX/XX/2017. I learned by phone on XX/XX/2017 that my Navient account was delinquent. I checked my bank account and found that the payment I made on XX/XX/2017 had cleared my bank account with Navient as the payee. I contacted Navient who stated they required a copy of my bank statement showing this debit to the account which I provided and Navient has confirmed its receipt. I was told to wait for their research process. I contacted them today ( 6 days following initial contact ) and found no progress had been made. They suggested something was incorrect with my billpay service. I contacted my billpay service through my bank and confirmed that payments made to my Navient account over the past year had been accepted by Navient to the account number specified. I did learn though that this most recent payment had been returned by Navient to my account with the indication that the account number did not exist. I verified this information again with the bill pay service representative who stated again that was indeed the notation made by Navient. I had not changed any account number on my bill pay service since the time I initially setup the bill pay account. I contacted Navient again this morning who told me the account number I have been paying to for the past several years was not an active account and did not exist. They informed me of a " new '' account number that I have. They stated that this was likely the cause of my returned payment. I have now been charged a delinquent account penalty and have lost the interest and reduction in principal on my account for the past month. Navient acts as if I had never made the payment on XX/XX/XXXX even though it is clearly shown on my bank statement and the funds were removed from my personal checking account on XX/XX/2017. So, how were my payments accepted for the past several months to an account which according to Navient does not exist? And how did I receive this " new '' account number? And finally, can I recoup my lost interest?
On XX/XX/XXXX I called to report that my purse had been stolen 2 days prior. When I spoke to the representative through Wells Fargo Services, I was advised that I would not be held accountable for any transactions made on my account. At the time I called, I was asked if I had made any recent transactions. On XX/XX/XXXX, I was also advised an amount on my card for {$2100.00} was pending and the amount was adjusted and removed. The first card was closed and a new card was issued with a {$0.00} balance. I was sent a letter by the dispute department l, which I signed and dated confirming I did not authorize any charges. On XX/XX/XXXX, I received a letter from the dispute department stating this was a valid charge and my name and address matched for the transaction. I called immediately and spoke to card services again. The agent was rude and kept stating he could not help me and offered a fax number. I requested to speak to a Supervisor and she confirmed they had no notes on my file stating my purse was stolen along with my SS security number, driver 's licence, contact info such as phone number, email, etc. I always carry this type of information in my planner and wallet.
Transunion online website doesn't work for me ... has error messages, will not function.In order to dispute with a record I disputed XXXX XXXX  XXXX/ XXXX  account number XXXX by mail. THIS ERRONEOUS ACCOUNT IS SHOWING ON MY FILE WITH ME AS THE OWNER- ( RESPONSIBILITY INDIVIDUAL ) OF THE ACCOUNT.THE ACCOUNT IS NOT MINE! WHAT'S WORSE IS THE ACCOUNT IS SHOWING OVER THE LIMIT AND DESTROYS MY FICO SCORE TO AN UNLOANABLE STATUS. 
Formerly until XX/XX/2018 I was an authorized user on this account, a gift from a family member that I did not want or appreciate.NOW FOR THE ERRORS OF TRANSUNION AND OR XXXX XXXX  my credit is destroyed.This account should have been immediately deleted upon TRANSUNION 'S RECEIPT OF THE DISPUTE ... .BUT NEVER SHOULD HAVE APPEARED ON MY FILE IN THE FIRST PLACE. 
THIS IS NO EXCUSE OTHER THAN INCOMPETENT, IRRESPONSIBLE, UNCONSCIONABLE CREDIT REPORTING BY TRANSUNION AND THEIR CARELESS SUBSCRIBER.
I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX on XX/XX/2018 confirmation # XXXX, and credit reports from Experian & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately XXXX How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & Experian are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
I have been disputing a public record since XXXX 2012. I do not know the supplier is with Transunion or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal form the known XXXX bureaus and others XXXX still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it form their records. and XXXX other reports that should be removed. 
Thank you
I requested a FREEZE on my credit reports in the past week of XXXX XXXX, XXXX and when I called XXXX XXXX at XXXX on XXXX evening, I told them my accounts have a FREEZE on them. I have a pin number that was sent to me, but apparently the FREEZE does not work. I was able to purchase XXXX at the level I chose with the 30 day free promo code. I was unable to call them to fix this because of the long phone queues and no one answers. I know they are under fire from watching XXXX XXXX. If the FREEZE is not going to work, t hen do n't issue a pin number. I always follow up. Trust and verify.
I submitted a fraud report to the three credit bureaus, XXXX, Equifax and XXXX. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX
On XXXX/XXXX/2009 I was sued by CitiBank while I was going to XXXX for college. I was working full time and going to to XXXX full time, but I did not receive any indication that someone was attempt to collect a debt from me or notice that I would have funds that came out of my student loans for college would be sought for as damages. When I was going to pay for my next semester of XXXX my student loans had been garnished from my bank account by CitiBank and I was forced to apply for additional student loans to continue school.
Dear Sir or Madam, It has been a struggle to remove this fraudulent inquiry from Capital One/Saks 5th Ave. On XX/XX/XXXX, I received an alert from hard Inquiry from Saks 5th/Capital One. I never applied to Saks. I called customer service and the rep stated " thank you for bringing it to our attention, we will get back to you ''. It 's been a few weeks and nothing. I need this fraudulent inquiry removed asap. <P/>Thanks.
Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation.