WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I went on line to check my bank accounts with 5/3 bank and observed an electronic check withdrawal from my savings account that I had not authorized. I immediately called to report the fraudulent activity with customer service and was told to go in person to file a domestic collections package. The same morning I went to the branch and closed all accounts, issued new account numbers and changed passwords, etc. ALso filed a police report. Was advised the process could take XXXX days to resolce. I have dutifully called the bank and receive the same response, the other bank ( XXXX XXXX ) is still investigating. I feel helpless and XXXX days later, still no money. I do not know the person who made the electronic withdrawal nor do I have any affiliation with XXXX XXXX.
My sister saw an article in XXXX magazine and recommended that I contact you in hope that you can resolve a financial issue with Sear 's credit card company, Citibank. 
Due to an illness, I fell behind in making my monthly payments on my Sears Card to Citibank. Citibank charged me monthly late fees, interest and high minimum payments due that I could not possibly pay. At which point, I stopped trying to make payments that I could not possibly afford and Citibank stopped sending me statements even though my address and phone number have not changed. I 've attached the statements and noticed that they consistently posted my payments 2 months late which I would think would affect the interest calculations. 
On XX/XX/XXXX, I received a letter from Citibank stating my Sears account had been closed. It also stated it was my responsibility for any balance left on my account which was {$2400.00} at that time. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX ( Collection Agency ) offering a reduced settlement. I was still not financially able to pay the offered amount. 
In XX/XX/XXXX, now being financially able to settle the debt ( with family help ), I contacted the collection agency on XXXX XXXX, who told me the account was no longer with them, that they had handed my account back to Citibank. They gave me the phone number ( XXXX ) for Citibank to contact. I attempted to do so XXXX ( on XXXX XXXX and XXXX ) but got the run around. No one there would assist me. 
After those unsuccessful calls, I contacted an attorney who advised me to write to them ( copy enclosed ) offering them a payoff. I offered {$1500.00}, the amount that the collection agency proposed previously. I sent the letter certified, return receipt requested on XX/XX/XXXX which was received by them on XX/XX/XXXX. To date, I have not received any response or further communication from them.
I received a prescription from my XXXX doctor at XXXX. It was approved by Medicare 's XXXX section. I chose XXXX. I had problems getting lots of things from XXXX and finally could on my own.But the one thing I could not get was the XXXX. XXXX in Medicare 's XXXX department helped me. All went well after that. the XXXX and a lot I believe of the XXXX I had. But because of the cost I switched to an XXXX plan. XXXX probably knew long before it said anything to me which was XX/XX/2016. At that time XXXX said if we did n't make arrangement we would start being charged. I quickly called my XXXX plan they agreed to pay XXXX the same amount that Medicare was paying them through he end of the year ( 13 months ). Now I felt comfortable. I waited until I heard back from XXXX, the operators first said do n't worry I do n't owe anything, second said you only owe {$500.00}, then Phone call saying the machine must be returned or I will start being charged, then a XXXX showed up NO ADVANCE NOTICE, NO PAPERWORK! and two more times he said they always do this. I thought about even the older Medicare patients using Medicare, just doing what they are told. XXXX has paperwork for something cost {$6.00} but some of these machines cost {$4000.00}! Anyhow I returned it myself. They would not take it up front, only in the back, I noticed right next to a XXXX office Any employee could run a scam. Well after dropping it off I had to go back up front to sign. He pointed where to sign, I did not, I wrote right above. I covered the entire page saying that XXXX was not willing to work with my medical insurance co.. 
Then I started getting bills. The first for " new patient '' for a {$1000.00}. and that went on at the same time as they tried to get additional personnel informational. I kept on saying I will not give personnel information over the phone- request it on company letterhead and I will answer it. They never did. I would get calls asking for calls with my middle name, and just like for anyone I would ask what did you want if I did n't recognize the voice. Then I got this letter saying if I did respond within 30 days of receiving it then I accept the amount owed. Well the XXXX happens to be a Sunday and they are closed. Trying to get a letter there over night at XXXX no. so I figure the best way was to tell you, the government, that they are and have been using scare tactics on me since XXXX with all the health issues I have ; all you have to do is ask me to print them out and you can see. I am not making this up. I 'll call XXXX on Monday, and different people if need be. Thank you so much for taking the time to read this and even if you ca n't do anything I understand There always is XXXX and XXXX. Company doing collection for XXXX now GLOBAL RECEIVABLES SOLUTIONS
I have a Citi Dividend card and a City Thank You card. They both provide rewards points. Shockingly, despite promising rewards points, Citi Cards actually cancels all those points, effectively stealing them from their customers, after only a year. The catch they have created is that you must accumulate a minimum of {$50.00} in order to be able to cash them out. Unfortunately, I can not spend enough to accumulate {$50.00} in rewards points in less than a year. So, Citi Bank effectively steals the money they supposedly rewarded me with after only a year. This is in effect false advertising, because these are no rewards points ; these are temporary incentive points to try to force you to spend more. And if you do n't, the bank simply steals the rewards they claim to have rewarded you with. I am not aware of any other credit card provider that have the same catch-22 policies to cheat their customers out of their rewards points.
I was contacted by planning folders to place an ad in a folder that would be distributed to a local facility that rents out for weddings. They said it would appear for one year in their folders and would be {$370.00} for one yer. They would design the ad and I would have a proof. A few days went by and they called and said they could offer year 2 for the same amount. I said ok. The ads and proofs never came t be. I contacted the CC company but they first put it in fraud but then moved it to dispute. They now are unwilling to work with me even though I have provided all the proof
I am trying to obtain a deletion letter from Allied Collections, because I am trying to buy a home. When I made the payment, the person I spoke to, said they will provide me with a letter stating I no longer owe them the debt. I spoke to my Lender, and she said, she has received a deletion letter from Allied Collections about 3 days ago. I 've called several times Allied Collections in the last three days, and they refuse to provide me with the deletion letter. I do n't understand why they refuse to provide me with that letter if the debt has already been paid.
I sent an additional payment to Navient with instructions as to how to apply the additional payment. Navient did not follow those instructions, even though I followed their policy by enclosing a separate piece of paper with instructions as to how to apply my additional payment.
Funds were taken from my XXXX XXXX XXXX savings account without my consent. ( XXXX entries on XXXX for {$89.00} each. ) These funds were sent to a fraduulanet Paypal account. I spoke with XXXX, they sent me to Paypal. After waiting over three weeks, PayPal still has not resolved the issue and even tells me that XXXX should reverse the fraudlent ACH.
Within the past 12 months, I opened two store credit cards : XXXX and XXXX XXXX XXXX and XXXX XXXX issued these cards. I began receiving threatening calls from XXXX XXXX  representatives in XXXX ( XX/XX/18, XX/XX/18, and XX/XX/18 ; I received one call prior to XX/XX/18 where the individual stated he was from XXXX XXXX but I did not write down the actual date he called ). The calls are stating I need to give them the name of my attorney and I need to return their call immediately as they need to take action on my account. I've only returned one of these threatening and upsetting calls and when I spoke to the person, she could not tell what she was calling about or why I needed an attorney. 

I contacted XXXX and XXXX XXXX XXXX about my accounts and both businesses confirmed my accounts have a XXXX balance ; I requested a XXXX balance letter from both companies and have the letters in my possession ; they are dated XX/XX/18. 

All of them are telling me to return a call to XXXX and when I call the number, it answers, " thank you for calling XXXX ''. I want the calls to stop. I have listed my phone and my employer 's phone number to stop the harassing calls. Please help.
I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.
On or about XX/XX/XXXX my credit card was declined. I called Capital One onXX/XX/XXXXto inquire and was told that the additional checking account that I added raised a flag and the account was now restricted due to fraud. I have Power of Attorney of my fathers bank account and added it to manage his affairs. I explained to this to Capital One and they sent me a link to upload bank statements verifying the account owners. Someone would contact me within 72 hours of receipt. 

On XX/XX/XXXXI sent the requested documents and a letter from my fathers bank indicating that I am the Attorney-in-Fact and I 'm authorized to use his account. I also included the case number and my contact number on each document. 

On XX/XX/XXXX I called to check the status of my account to no avail. Capital One indicated they had the statements and someone would reach out to me within 72 hours. 

OnXX/XX/XXXX I called to check the status and was told that because I blackened out the balances and deposit amounts, the documents were invalid. I now needed to send in voided checks. I sent in the voided checks for each account and was told that they needed to verbally speak with my father. I informed them that he is in the hospital and can not speak but I have his Power of Attorney. The manager insisted that they had to speak with him. 

I called back later in the day to speak with someone on the Executive Customer Service Team and spoke with XXXX, a Capital One Fraud Specialist. She indicated that I needed to submit the Power of Attorney documents to Capital One for review. No one could tell my why this was not requested initially. I have submitted the Power of Attorney document and still waiting on a resolution.
I 've been having on going problems with naviet ( formely XXXX ) my loan was originally taken out XX/XX/2010 when I went to XXXX and I have been making steady payments.the principle never seems to go down.im single taking care of my sick father providing for a house.they have puts marks on my credit report, which have hurt my credit.I always ask to see records on how much I have paid and they cant ever really give me a current balance.very bad experience.
On XX/XX/XXXX, BB & T charged me two separate {$36.00} overdraft fees based on " pending '' transactions. On the morning of XX/XX/XXXX I made a cash deposit to cover all the " pending '' transactions. The transactions which allegedly instigated an overdraft were still " pending '' at 4 pm on XX/XX/XXXX. The bank does not issue the overdraft fee based on the posted balance, but instead counts " pending '' transactions.This is an unfair practice, since some merchants may place a hold on an account without the intent of initiating a charge for the amount of the hold. An electronic payment may be " pending '' for several days before the dated agreed by the merchant and consumer, e.g. automatic payment for a XXXX/XXXX bill. Secondly, this practice of using " pending '' transactions as the basis for determining overdraft was not plainly presented when I opened the account. Its plain the bank is exploiting the lack of clarity in timelines and processes for electronic transactions to exploit the consumer through fees. After speaking with a customer service representative the bank refunded a single overdraft fee.
took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.
Midland collections is collecting a debt of mine from XXXX XXXX. The date of activity is long after I stopped using this account. I may be the victim of identity theft for a portion of this balance. I asked Midland to provide a list of charges on the account. The individual replied : " We do n't have to do that. We only have to give you the application which I will request. '' The Fair Credit Reporting Act provides that a consumer may request a detail of charges on an account that may be a result of identity theft. And that the creditor MUST provide that detail in no more than 30 days.
I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. 

I then began looking into the company and found this site XXXX XXXX XXXX XXXX   They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. 

Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX  site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.
I applied for the WF Cash Wise Credit Card and got approved on the same day. After 5 business days, I received the credit card and tried to activate it online but it will not let me so I called the number on the front of the card. I was told that that I had ti visit a branch in order to activate it. This was a surprise to me as I had never have to go to a bank branch to activate any credit card for the past 30+ years. I XXXX the WF credit card online and was surprised how many complaints this company had over this card. Anyway, I called up the next day, lunchtime, and spoke with XXXX, and asked her to close my account as I am not longer interested in using it. To my amazement, she told me that I am not able to close the card as I had to go to the branch to close it. I am fuming mad by this deceptiveness and want to file a complaint to this bank so that everyone can see what a big scam this is.
We are asking for a loan modification from Nationstar. The information was submitted on XX/XX/2016. Upon calling ( they do not call you ) they are constantly asking for additional information, We are on our fifth transmission of request for information. Each time we call there is something new requested. Upon asking for a midigator or underwriting they can not forward the call. And when asked why this was not requested previously all they can say a different person must of looked at the file. We are now over 30 days and they are still requesting information. It appears as if they are stalling so that this goes into foreclosure.
Credit card company : American express Issue : 1 ) I requested for a name change on one of my addition cards that I gave to my friend. This request was to change the card name from XXXX XXXX to XXXX XXXX 2 ) however, after serveral unsuccessful attempts, Amex effected a name change erroneously for my card and account. Amex had erroneously change the principal card and account from XXXX XXXX XXXX to XXXX XXXX instead of the request in ( 1 ) 3 ) upon realising this error, I contacted amex on various channels - online banking, online chat, tweeter for more than 10 times to rectify the error, however, they refused to rectify the error they had made.
XX/XX/XXXX ; XXXX XXXX purchased a XXXX family house located at XXXX XXXX XXXX XXXX XXXX NY XXXX. With a XX/XX/XXXX loan for the amount of {$640000.00} finance by XXXX XXXX ; property was own by XXXX XXXX who transfer lien to XXXX XXXX XXXX XXXX for the amount of {$500000.00} on XXXX XXXX, XXXX XXXX sold property to XXXX XXXX. United State Government create rules and regulation to evaluate the code of conduct, this ones are RESPA, TILA, ECOA, those one include several provision that protect the integrity of appraisal process. TILA also prevent the creation of toxic loan for an over price property with high interest. like this loan, XXXX ( 80/20 loan ). 
Flip on a house price by FBI ; buy a property wit the intent to re sell it an artificially inflated price for consider profit, even though they only made minor improvement to it. paying an appraisal a fee to submitted a false and artificially- inflated appraisal report.
I was denied credit, went to XXXX to order my free credit report, went through the process online, website kept asking me to refresh then finally stopped working. Tried to resubmit, website said I had already received my report which due to the refreshing I did not. What upsets me the most is I can not reach a human being to report the website problem. I 'm old and really take issue to auto attendants on the phone and computers.
In late 2018 I was traveling on holiday. My wallet was stolen and my primary Credit Cards were taken. As such I had to use my Wells Fargo Credit Card, which i rarely use due to the rate and the service. When I received my XXXX statement, i was shocked to see i was XXXX over my limit. I was also shocked to see I had missed a payment. When I called the bank, the banker informed me my statements were now being sent electronically. I did not request electronic statements and rely on the paper statement as a way to make payments. This has happened many times over the years. 

While Wells allowed me to transact - i was required to make the full payment. I am fortunate that I have the reserves to pay a huge one time payment. I know most consumer can't cover a {$400.00} unexpected expense. I asked why they continued to approve my purchases, why they never sent me text messages I had enrolled in, and why they never tried to contact me about being past due. The response was " because you are a good customer ''. I of course immediately paid the full amount due over the phone. But when it came to helping me as a customer, the answer was basically " no ''. 

Wells Fargo can/does send me daily emails on marketing materials, and does send me alerts of every fashion on my other accounts. I don't understand why they would allow this to occur and give no recourse to the situation. They refused to refund the late fee, ( I have never had a late payment in the last 20 years ), they reported the late payment to the credit reporting agency. I asked them politely to correct the reporting and they said no. They required I make a XXXX payment immediately or risk further damage to my credit score. This seems very deceptive and unfair. As I stated, I am lucky i can afford to resolve and that i have perfect credit - but what happens to most consumers in this situation? 

I called today to close all of my accounts. I currently have a mortgage, personal loan, personal line of credit, a credit card, two checking accounts and a savings account. I was directed to go " talk to a branch '' and see what they could do. 

I think the practice of allowing a customer to go grossly over their limit - just to report it as a negative on their credit report and create a very large payment due is unfair. They have many ways to contact me and choose not too, and should have simply declined my card purchases. This treatment has created fee income and adversely impacted my good credit.
The Account referenced has been placed with a collection agency by XXXX XXXX XXXX multiple times in the past. after a past complaint the account was removed from my report. Now months later it has reappeared again ( XXXX XXXX ). Please see attached documentation from previous mistakes by XXXX XXXX After the last time the XXXX representative assured me and the representative from The CFPB ( on a conference call ) that this was not going to happen again. Yet again It has appeared on by credit report. How Many times does XXXX Get to play this game? 
This time " XXXX '' Is now the Collection agency XXXX. 
XXXX ( XXXX ) XXXX XXXX, MT XXXX
Chase has been calling me repeatedly XXXX to 3 times a day about credit card debt owed. I had told them to stop calling but they will not. They are now even contacting family members and harassing them.
I'm still having problems with incorrect or missing information in my Experian Credit report. On XX/XX/2018 a seven year fraud alert was placed on in my credit report, and I have never requested a seven year alert to be placed on my credit report. I have a lock already on my credit report. 
Also my home address was deleted, and I did not make a request to delete my current home address My name is a XXXX XXXX   and that was removed without my consent as well. My identity has already been compromised due to lack of verification by the crediting reporting agency 's. Also fraudulently bank mortgage are still in my credit report as well. With no information by the bank confirming that it is really my account being that my name is so common and my information is either inaccurate or missing altogether still.
I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.