WillisBack/dataset-financial-user-claim huggingface dataset:
Booked several domestic flights for my trip to XXXX using my credit card rewards program, Citibank ThankYou Premier, using their own website that is advertised when accessing the Account. I was assured I 'll get protection from all parties : the agency providing the travel, the Rewards program and the credit card ( as it offer some travel benefits ). 
During the trip, I had an issue with XXXX flight, that was cancelled. 
I tried, for several times, to contact all of the above mentioned providers, using the phone numbers they provided. All numbers were blocked for collect call, contrary to what they advertised. I tried to place collect call through at least XXXX providers : XXXX, XXXX and a local phone operator. All of them informed all numbers were blocked, and I was unable to contact any of them. There was not option to contact them online. The Travel Operator did not reply my twitter message asking for help. 
The numbers provided and called are : Travel partner ( from their confirmation email ) : Outside the U.S., please call collect at XXXX Citibank ( printed in the credit card itself ) : INTL COLLECT : XXXX. 
I spent one hour trying to contact them, got very frustrated with this situation, and was already stressed by the flight cancellation. I returned to the airline counter and was informed I have to deal directly with the travel agency ( credit card/rewards ) since I booked from them. 
I was left without any assistance. 
I have to say I 'm lucky it did n't include a health issue. The credit card claims they provide this and other benefits. I 'm happy I did n't have to rely on them for anything else. 
Anyway, I absolutely regret using Citibank services, and next time I know I have to use my XXXX XXXX XXXX card for all travel related purchases. Citibank is an enormous failure. This is not the first time Citibank disappoints me. When I opened the account, I also had an issue having the card delivered and Citibank did nothing to remedy the situation. 
I need to be partially refunded for this lack of assistance and for the frustration and additional stress it caused. If I 'm not compensated to my satisfaction, I 'll obtain a extract of the call attempts and take it further.
Received an automated voicemail from H & R Accounts. Voicemail states that the call is to attempt to collect a debt, and any information obtained may be used for that purpose. Since the voicemail is an automated message, the debt collection can not confirm that whom they are calling is the consumer. Therefore, violating FDCPA regulations with regard to leaving a message relay that there is a debt owed and being collected on. 

Also the debt in question was pulled by their client over a year ago, as it was placed with their agency in error. This has been confirm by their client today by phone call.
On XXXX/XXXX/15, I contacted Chase claims department, and spoke to XXXX XXXX. I explained to XXXX XXXX about an unauthorized charge on my chase account in the amount of {$99.00}. XXXX XXXX requested my name and account number. XXXX XXXX then asked me about the company I am making a complaint on. XXXX XXXX looked up the charge and stated that I made an agreement with a subscription company. I informed XXXX XXXX that I never made an agreement for any services rendered to me nor singed anything with the merchant. I then informed XXXX XXXX that the company, XXXX offered me a 50 % refund instead of the full refund and I refused. XXXX XXXX then expressed to me, that he can not help me to dispute this claim, since I refused the merchant 's refund offer. XXXX XXXX aggressively and sarcastically insisted, I call the merchant to speak to the supervisor to request a refund. I did and they refused. XXXX XXXX then informed me that he is done with me. I am very disappointed and upset how XXXX XXXX did not solve my issue with the merchant being on their side and not mine. XXXX XXXX also never spoke about a couple options to satisfy my anxiety, of the unknown charge on my account. XXXX XXXX just talked over me, not giving me a chance to explain my part on the unauthroized charge.
My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect.
I have an outstanding balance of {$1200.00} originally from XXXX XXXX XXXX XXXX XXXX. I was unable to make the original payments because I was living with XXXX roommates that didn't pay me for their portion of the gas bill. I've called the gas company and the only resolution offered was a payment plan. I haven't yet been able to enroll in the payment plan due to a current financial hardship. I'm currently in collections for this debt from CCI ( Contract Callers ).
On or around XXXX 2015, I received a telephone call from Navy Federal Credit Union Fraud Department. They indicated several transactions from XXXX, and a bunch of other retailers making many charges to my account. I notified them this was not me, and to send to the investigations department. I outlined all the transactions from both cards ( My visa debit, and XXXX XXXX ) and attached to their online e-messaging system. They replied they received them, and the credits would appear within 3 business days. 
The facts are-Navy Federal did NOT close my accounts. They remained open, and allowed hundreds more dollars to be charged to the account. Once I contacted them to close the account -- there were STILL more charges being allowed onto the accounts, even AFTER they were notified as fraud. 
I sent over my police report, and FTC fraud affidavit, and she stated I was to blame, and she was freezing my account so I can not use it. This is direct retaliation and discrimination against me, for exercising my rights of the fair credit billing act, and probably many other consumer protection laws, simply because they failed to do their job. 
For 3 months, they continue to report a completely false balance to the credit bureaus.
MACDOWELL & ASSOC FILED GARNISHMENT FOR DEFT OUTDATED SINCE 2008 AND NOT COLLECTIBLE PER GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-25 AND VIOLATED FCBA WITH XXXX DIFFERENT COMPNIES DEMAND PAYMENT ON SAME ACCOUNT ; AS WITH " XXXX AND XXXX XXXX XXXX '', COMPANY FAILURE TO SEND ITEMIZE VALIDATION OF DEBT OUTLINED AND OR SIGNED APPLICATION OF ALLEGED DEBT
For the past 2 months I been battling with Paypal to allow me to add my new bank to my paypal account. I been with Paypal since XX/XX/2014 and have never been required to call them to add a new card but that's what they told me I had to do despite informing them I do not have phone service. Currently I've been charged {$4.00} in interest fees and {$27.00} in late fees with another round coming tomorrow despite Paypal stonewalling me from being able to link my bank account so I can pay my monthly balance. Please contact me at my email XXXX for any personal information needed in locating my paypal account. I am saving this complaint and the one I filed via XXXX XXXX XXXX to ensure if Paypal continues to keep me from paying my bill so they can continue to charge me that I've made an attempt to pay them but they clearly don't want it.
CBCInnovis ran my credit without my authorization ... I NEVER provide ANY signed, or verbal authorization for CBCInnovis to request a credit pull at ANY credit bureau. Also per the attached email communication Sales Manager XXXX XXXX vehemently lied regarding ultimately pulling my credit which was to be performed with my signed authorization per his due diligence regarding reviewing the submitted documentation per pre qualifying me.
I paid {$700.00} on my Wells Fargo credit card for a XXXX XXXX XXXX furniture purchase. 
I was told by the credit bureau that only {$400.00} was applied to the principal. When I contact the company, they tell me all {$700.00} was applied to the principal, but the balance due, statement, and credit bureaus tell a different story. This was not applied correctly, and they are not even acknowledging an error occurred. This seems very deceptive and illegal.
I was approved for a US Bank platinum visa credit card a couple weeks ago. I let the underwriter know the sole reason I was applying for the card was to take advantage of the 0 % apr for 20 months because I was going to purchase a wedding ring around $ XXXX. The card was approved at $ XXXX. When I tried making the purchase for {$11000.00} it was declined. shortly after, us bank fraud department gave me a call and said because of the amount they had blocked it but they would remove the block and asked me to try again. I tried again and was blocked. I called the fraud department and this time a different rep said because the amount was so high to try to cut the amount in half and try the transaction twice. I tried doing that and still declined. I called a third time to fraud and they said it was still too high and to try to break the amount into thirds. I tried that and declined yet again. the forth time I called the rep said because of too many attempts at various amounts it was suspicious and they were going to send it to review. I tired letting that rep know this is what the other us bank fraud reps instructed me to do but he said he was still going to send it to a review team. at this point I was very upset and asked to speak to his manager and he stated he had none. also the first 3 times I called the reps asked if I would like to do a survey  after the call but with this person I asked to do the survey he said it did not exist. 
I called yet again a 5th time and the rep said she would remove the block but because this is a new card I would need to make smaller purchases first and pay back to build history with us bank. I then tried to make a {$20.00} purchase and a {$3.00} purchase and both were declined. I called a 6th time and the fraud rep gave me the number to the review team and said to speak with them and hung up. I called the review team and their rep said I spoke with someone and she could not verify my income. I told that rep that none of the representatives from the fraud team asked me about my income at all, so he said he would transfer me to the person who stated the income discrepancy. I was transferred and no answer and can not leave message. I called the review team back again and another rep said that person was on vacation for a week and when I told her I could not leave her a message there wasn't anything I could do and that she was the only person who can review this. 

I let each rep, both from fraud and review, know that I planned on proposing end of summer/beginning of fall and that the ring takes 4-6 weeks to make after I purchase not including the time it will take to ship. I also let them know the only reason I applied for this card was to take advantage of the 0 % apr but with all the time this is taking my promotion rate for 20months is  decreasing.
I checked my credit report and there is information about a debt in the amount of {$670.00} that is not mine.
Anytime I try to request my Experian credit report from  annualcreditreport.com, I  receive the following error : A condition exists that prevents Experian from being able to accept your request at this time.     I 've attempted to request it multiple times over the last year, being met with the message each time. I have had no issues requesting my report from the other agencies, and do not have any additional security measures in place. A quick look online yields that many others have run into the same problem, specifically with Experian.
It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported XXXX still does not have my correct telephone number and even though I have reported and repaired the number multiple times. Equifax is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!
Stated I have an escrow shortage of {$190.00} when I am 100 % XXXX XXXX in Texas not paying property taxes and insurance was payed up. Still taking property taxes into escrow when they should not be. Will not return my calls or emails. Continue to say that they will be doing an escrow analysis on my account a couple days after I call. Escrow refund of {$5400.00} was told to look out for it in mail and haven't received it a week later.
On XXXX/XXXX/2015, I filed an dispute with Diversified Consultants. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Diversified Consultants never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
In XX/XX/2017 my payments increase after a 24 month repayment agreement. Unaware of my increase in monthly payments I attempted to make a payment and was told they were not going to accept the payment. I seek housing counseling from a HUD counseling agency and submitted a financial packet to be considered for a modification to make my payments more affordable. I was approved for a 2nd time for a 12 month repayment plan which is double the amount of my original mortgage. I disagreed with the decision and sent proof of my income and expressed that the rate is over 9 % and I was unable to afford this payment agreement. They insist on telling this is all they can offer.
On XX/XX/XXXX, I noticed my chase sapphire preferred card was getting declined. My balance was {$0.00}, I had no idea what was going on. After, I called Chase to see what was happening. They said that my sapphire and freedom unlimited were being periodically eviewed. I had a credit limit of {$27000.00} on the freedom unlimited, where I had a {$7300.00} balance. I HAD A 0 % APR OFFER FOR 12 MONTHS. That is the only reason I had a balance. 

I called Chase again last night and they said they closed all 3 of my accounts. I had a regular freedom card as well. I pay that off monthly like the sapphire. 

Back in XX/XX/XXXX I had two {$500.00} freedoms which I maxed out and never paid. In XX/XX/XXXX, Chase approved me for {$1000.00} on my new freedom. I have had 0 issues since then. Fast forward to XX/XX/XXXX, I applied for a sapphire and a freedom unlimited. I was approved for a combined {$36000.00}. I have had AGAIN 0 ISSUES. I made some financial mistakes when I was XXXX. The CFPB didn't even exist then. Now, all of a sudden, Chase decides to close all of my cards? I have NEVER manufacture spent or churned cards for signup bonuses. This is beyond absurd. 

I have XXXX points on my sapphire card as well by the way.
XXXX uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.
i reached out to XXXX and experian and asked them to remove inquiries that i did not authorize and they said that i had to reach out to creditors. I reached out to the creditors over two months ago and most of them said that they will remove inquiries. Almost 3 months later and the inquiries are still there
I have been a VICTIM of credit inquiries on my credit report. I am a victim of credit fraud and I have inquiries on my credit report that has not been removed after contacting TransUnion on numerous occasions. I have also contacted the companies that these inquires have been made with alone with a police report. I have listed the below companies and dates that they have made inquires on my credit. Customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX Online Info XXXX XXXX NC XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX GA XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX ( XXXX ) XXXX Inquiry form XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
Hello, I am a victim of fraud. An individual pretending to be a landlord requested two wire transfer 's, first transfer for {$4200.00}, second transfer for {$3700.00} for a total of {$7900.00} to cover a rental deposit and three months rent. I regrettably initiated both wire transfers from my personal checking account at XXXX XXXX  XXXX. The first wire transfer was sent on XX/XX/2018 and the second wire transfer was sent on XX/XX/2018 to an account with Chase Bank. I am submitting this complaint to seek aid in receiving a refund. I sincerely appreciate your time and attention to this. Please let me know what additional information I can provide.
X/XX/2017 Transworld Systems Inc. sending letter for extortion of {$240.00} For Creditor XXXX XXXX XXXX XXXX. These are illegitimate charges and are a form of extortion.
Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel.
Capital one gave a pre-approval offer. Credit did not change, all details were verified but still came back as a decline, from what the agent said i should never had received an offer in the first place. This is in breach of firm offer of credit under FCRA. I provided verification of income and all other relevant details and my profile had not changed at all between the times. Misleading advertising and impossible to have received the offer. Hard inquiry placed based on misleading offer that was unachievable for me.
I have received letters and phone calls from this debt collector demanding that I pay a fraudulent XXXX debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
The time it takes to receive a lost or stolen card. I reported my card lost and it takes 7-10 days to receive a new card. I am on day 10 and have not received my new card. They have methods to help you get cash from the card, but but I have exhausted those methods such as card to card transfer - {$2500.00} limit ; they have a new system where you need the card to to use it to get the security code off the back. They do not have an expedite system for new cards like many of the other prepaid cards like XXXX. If I were am American Express holder, I would have gotten a new card within 24 hours. Al my bills that depend on my paycheck are behind, i.e. insurance, furniture bill, rent. I can not put gas in my car or food on my table because my funds are tied up in WAITING for a new card. I think this activity is criminal, I think if they are going to offer the service on a card, they should have an expedited method for lost or stolen cards. You call customer service some where in XXXX, they do not have any information they can offer. They have no power or permissions to do anything. It is a ripoff.
TransUnion reported false information resulting in my being denied a loan. I contacted TransUnion and received their investigation results with the fraudulent account still on my Report and in Collection. 
Also, I do not appreciate that I have to register online my personal information to retrieve their reporting on me as my identity was stolen and reported by them to begin with.
The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.
XXXX XXXX XXXX has inaccurately reported my account with a balance of {$710.00} dollars. It accurately reports there were no late payments and the account was closed in XX/XX/2017. My credit report is showing this account as a charge off. The account was sold to XXXX XXXX. Please investigate further.
When I opened my account with M & T bank, I did so online. I opened an account with them after receiving a mailer stating that customers would receive a {$250.00} bonus 90 days after opening an account as long as they had a direct deposit linked to the account. I applied for my account online using the special code " QC '' or " QD '' can't remember which. I even entered the code in the promo code box. My direct deposit started on XX/XX/XXXX and the account was opened XX/XX/XXXX. As of this date, I have not received my {$250.00} bonus.
On XX/XX/17 I filed a dispute with my credit card company ( Chase VISA ) for an online purchase made on XX/XX/17. Chase VISA kept closing the dispute even though it wasn't resolved, acting upon misinformation from the vendor. When I called to discuss and provide necessary documentation, they advised me to " reopen '' another dispute. I did so four ( 4 ) times. Since my written disputes weren't getting reviewed, I attempted a phone resolution many times with many CHASE associates ( most of which had foreign accents ). I became very frustrated with their service and visited my local CHASE branch to seek assistance. The branch manager " escalated '' the matter, only to then discover it was past the time it could be disputed - due to Chase VISA failing to research, discuss and act upon the original dispute dated XX/XX/17 as well as the many follow-up ( re-opened ) disputes. This was no fault of my own and CHASE must take responsibility for their failure to resolve this matter.