WillisBack/dataset-financial-user-claim huggingface dataset:
I have had Citibank Credit Card since XXXX cobranded with XXXX XXXX . During XXXX 2015, i received an offer letter from XXXX to open an Citibank CitiGold Checking account by XXXX 2015 and then make purchases of {$750.00} from the checking account 's and XXXX Bill payments from the checking accounts within 90 days of opening the account in order to receive XXXX XXXX reward miles. The offer also promised to provide these reward miles within 90 days of completing the qualifying transactions. 
I opened the account by XXXX 2015 and completed all the necessary qualifying transactions within 90 days of opening the account. However, I did not receive the any airline miles within the 90 days. Moreover, i was shocked when the Bank began to assess $ XXXX Monthly fees for XXXX consecutive months. When I enquired with the customer service, the servicing agent mentioned that I need to have {$50000.00} in linked deposits. These terms and conditioned were not mentioned when i signed up for the account. I also did not receive any communication on the terms after opening the account. I wrote back numerous times to the bank to reverse the fees and close the account. After many complaints, i received the XXXX Airline miles well after 7 months of opening the account.
XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.
I purchased a ring from XXXX XXXX using XXXX XXXX Credit Card ( by Comenity LLC ). At the time of purchase ( XXXX 2016 ), the promotion was misleading as it described as if there would no interest payment for the 12 months. Instead, the promotion was actually deferring 12-month worth of interest payment on the initial amount, which is applied when full payment is not made by end of the 12-month period. In my case, I had already paid off about half of {$4400.00} of the intial amount by the 12-month period, but was charged with about {$1000.00} ( which XXXX XXXX credit card company had calculated with the prinicipal amount ) at the end of the promotion period. I was not aware of the deferred payment, nor do I belive that calculating 12-month interest payment on the intial prinicipal amount is fair. The monthly statement does not indicate anything about the deffered payments until the very end of the statement. Also I was not notified via separate email to warn me about the end of the promotion and changes it will make to the account other than a small section in the statement of the month the promotion ends ( which can be easily missed ). The misleading promotion, lack of customer service in terms of notifiying incoming charges, hard to find information on deferred interest payment on monthly statements, and calculation of 12 month interest on the intial principal amount make me believe that XXXX XXXX Credit Card wants the customers to pay larger amount of interest than they would have if they had no promotion at all.
Loan was made on XXXX XXXX, 2017, but lender did not disclose that loan was a 30-day loan. Now when payments are made, they claim that payment is application for new loan. All payments were applied to interest only, which high interest was not disclosed to borrowers at the time of loan. Documentation was made on lender tablet and no time was given for borrower to read documents. Tablet was handed over with indication of where to sign. Same action was taken upon payment, tablet handed to borrower and signature required, indicating it was showing borrower payment. Later disclosed by lender that subsequent signatures were new loans. Only family vehicle was taken by lenders agents during the night with no attention to physical infirmary of borrowers, which had been disclosed to lender. Borrowers are 50+ aged XXXX persons who tried on numerous occasions to refinance loan at lower interest in order to pay on loan principal, but were denied assistance. All requests have been met with demand to visit store front, even though lender was notified borrower was hospitalized and has been for sometime. Co-borrower is needed at hospital and could not leave during lender business hours.
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and   XXXX   XXXX   financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Trans Union letters have been sent wrong information and on XXXX accounts wrong lastname some one used the credit cards other than my self I ask Trans Union to sent meproduce document proves my name none the amount of the accounts are worgI have sent them letters its been more than year.
I received a loan from One Main Financial 's XXXX, MD office back in XX/XX/XXXX. I made one payment, then in XX/XX/XXXX, I was offered an additional amount to be added to my loan, so I accepted. At the time, I was unaware that my initial loan would be " satisfied '', and a new loan would be opened under a new account, but I was not focused on that because I was thinking of the holidays and my daughter 's XXXX Birthday approaching, and what I'd be able to provide for myself and my children. I was told that furthermore, my first payment after the additional amount was added wouldn't be due until XX/XX/XXXX, so I had plenty of time to enjoy the holidays. 

Tragically, I was terminated by my employer on XX/XX/XXXX, so my life took a drastic turn for the worse. There's an insurance program attached to the loan, and I've been getting conflicting information from different employees at the One Main  XXXX office, as well as the One Main   customer service center in Texas. There are 2 different insurance companies that One Main uses, depending on what type of loan you have ( that was described to me by the customer service rep. ) One is XXXX, the other is XXXX. 

According to customer service, my account is being handled by XXXX, but when the XXXX, MD office manager mailed me the forms to complete and submit, they were for the XXXX company. I told customer service, and the rep. said she would send me the correct forms to submit, and that I had to wait until it had been one month since my termination from my employer, which I had not heard from anyone at the XXXX, MD office. The XXXX, MD office manager did suspend my account, after speaking with me about my situation, but that suspension ended on the XX/XX/XXXX, less than a month after my termination, and I started getting calls from a Mrs. XXXX at the XXXX, MD office. While speaking to her this morning on the phone, she told me that I should borrow some money to make a payment, or she fears " the lawyers '' will take over my account and the XXXX office will lose control of it. She also told me to contact the State Department, since I've been unsuccessful in reaching anyone from the unemployment office in order to submit my claim. I'm somewhat confused, disoriented, and unorganized, due to everything that's been happening all of a sudden.
My father 's health is failing and he has XXXX XXXX. He has XXXX daughters of which XXXX is under indictment XXXX, her arraignment was yesterday ( XXXX XXXX, 2015 ). Myself and another sister gained joint POA over our father in XXXX 2015. The XXXX daughters united and currently have a civil case against the XXXX under indictment. This XXXX sister called Suntrust Bank and said that my fathers account was being used fraudulently and that it should be investigated. Suntrust put a freeze on my fathers account, jointly owned with my sister who has joint POA and is the XXXX party payee for VA for my father. He has no income now and they can not make their house payment or pay for monthly medical expenses. There is no court order to freeze and no valid reason to freeze. On XXXX XXXX, 2015 we sent a copy of the POA, a letter from the XXXX XXXX XXXX, and a copy of our case against the sister under indictment ( the XXXX who called Suntrust and requested investigation ). We had the Detective call Suntrust Bank and talk to the individual who put the freeze on and she still would not listen. The representative for Suntrust, XXXX XXXX XXXX, was unwilling to discuss or offer a number that we could call to dispute. She said ... '' get a court order to remove the freeze ''. My father is without funds and has no way to support himself. My sister does not work and is the fulltime care taker for my father. We will now retain an attorney in Tennessee to fight this but the bank had no documentation to support this freeze and is discriminating against my sister for unjustified and undocumented claims.
there is a XXXX XXXX account on my credit report that is not mine. I have never had a XXXX account nor did I ever authorize the opening of such an account. the account number being reported is XXXX. I have no such account. I have not had any XXXX account.
On XXXX/XXXX/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. I have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve this situation and every time I call them they accuse one to another. they charged me the XXXX. but this money is nowhere to be found.
Equifax mishandled my information and I was listed as a potential victim according to their security web site following the recent hack. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I am writing you this letter to dispute XXXX late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XX/XX/XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
I am a victim of fraud I was told that XXXX was a part of XXXX. My computer was infected. The company, XXXX XXXX, fixed my computer and told me I needed to buy another version of XXXX. They told me the service was good for a year. My computer is now dead. XXXX is in the process of suing the company and told me to get my credit card company involved. Citicard has refused to help me in refunding the? XXXX that was billed.
XXXX/XXXX/2015 - account balance - $ XXXX/XXXX/2015 - NSF Fee ( {$37.00} ) -- why? unknownXXXX/XXXX/2015 - spoke with CSR who told me that the computer system on XXXX had my balance as - $ XXXXXXXXwhy my online view is different than the CSR online view -- unknown and not goodXXXX/XXXX/2015 - balance had not gone negative and yet NSF Fee ( {$37.00} ) -- why? unknownit would appear that they are keeping XXXX different sets of " books '' for posted transactions -- XXXX that I have online access to view and another XXXX that the NSF Fee goes byit is quite impossible for me to ever possibly prevent NSF Fees if I do not what is truly going on with my account and its balanceit seems to me that this amounts to a lie and probably fraudulent activity
On XX/XX/2018 AARP CHASE VISA I have made a payment in full in the amount of {$1000.00} today XX/XX/2018 I attempted to make a payment to XXXX XXXX in the amount of {$59.00} and the Card did not go through. When I called AARP CHASE Visa the issuer of the card they said they put a hold of 7 days on my card. I paid off the full amount and they should not had put a hold on my card. I told the Rep I also have XXXX  XXXX and by next day the card is cleared to XXXX balance. I have no idea why AARP CHASE Visa does that to my card but I don't think it's right. They know I made and make those charges each month. 


XXXX XXXX XXXX
This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.
We are a business and receive calls form XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. He has an address for our business that is 10 years old. I asked him to provide documentation for the debt and he said they do not do that and he will file suite if I did not pay immediately and that it would be a criminal case. These people need to be shut down.
My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer.

On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX  which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ).

A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.
i reported to equifax that this information on my credit report is incorrect. I even mailed them proof that the company XXXX stated that they made a mistake and the info should have not been reported to the credit Bureau and that they are willing to delete account from credit. Equlfax refuse to remove the inaccuracies from my credit report. When they have received all proof.
I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX  would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX  just keeps updating it and not deleting it off my report along with experian it is still reporting.
I've made numerous attempts to get a billing statement and welcome packet. 

When I got the loan I was told there would be a way to see my billing statements online, there is not. I can make payments online through an online portal, but there is no way to view " my current balance '' Portal link : XXXX However, this online portal does not appear to be a secured system for logging too. ( A person only needs your email, zip, and account number- NO PASSWORD? ) Im extremely frustrated with this company, as today when I called ( like every other day I've called ) they validated my address and have make no indication that the address in their system wrong until today. Something I ask on numerous other calls and requests. 

I'm concerned this company 's methods are NOT in line with federal and/or state requirements.
My husband and are Citigold customers - preferred customers based upon aggregated balances with Citibank ( in excess of $ XXXX XXXX. We 've been told numerous times by branch employees as well as Citigold account representatives that with being a privileged customer comes special benefits. One of those benefits is no foreign transaction fees. We were told this on numerous occasions and it applied to all of our Citi products. 

Recently my husband and I were traveling overseas and used our Citi credit card and learned that a transaction fee was charged. Immediately upon our return to the states we contacted Citi bank to alert them to the information we received and we were told that 's not accurate for all products. This seems unfair and deceptive. I kindly asked Citi to make a one time concession for us and they have refused. 

Given the misinformation we received on numerous occasions, I believe Citi is not being clear and transparent with their customers. If this benefit only applied to certain products, then we would have used those products - we have multiple cards with Citi where it does apply. 

I 'd like Citi to refund our foreign transaction fees and be clear with customers on what it means to be Citigold and what it does not mean. And I 'd like them to educate all of their departments on the differences. Instead of just passing the buck of blame to someone else internally.
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX
This is in regard to CFPB Complaint # XXXX. I have received several missed calls from XXXX with Bank of America Regulatory Complaints Department, but unfortunately I was not at liberty to answer calls during work. I promptly returned her call and then again 10 times  later last week but was forwarded directly to her voicemail each time I called. Please advise XXXX to : a ) Send me an email at XXXX to schedule the best time to speak ; or, if a ) is not an option : b ) Call me between the hours of XXXX XXXX  and XXXX XXXX Eastern Standard Time ( the earlier the better ). If she misses me, attempt to redial in around 15 minutes and I'll do my best to answer the call.
An account is listed on my Equifax Credit Report from a collection department has listed this account as open derogatory account with the open date of XX/XX/XXXX. I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. A year before this collection company stated that the account was closed. This Open account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report. On XX/XX/XXXX. I resubmitted again 0n XX/XX/XXXX, XX/XX/XXXX. The amount is XXXX. This account is reporting as an open account while the other bureaus have deleted.
XXXX and Transunion are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned XXXX is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.
Besides closing my account without informing me, CAPITAL ONE put charges on my account which I never made. I never had overdraft protection, but balance showing now is {$1100.00} instead of {$700.00}. I contacted them a lot of times, but they just keep ignoring me.