WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Citibank thank you premier card in XXXX XXXX. My whole experience with the card has been polluted with numerous instances where my card goes under review, I call up to resolve the situation, then it goes under review once again. Often this secondary review happens within hours after clearing the card. And each time, I have to spend hours on the phone to resolve the situation. This has happened almost weekly for the past XXXX months. When I call them they make promises that theyll call me back within XXXX2 business days. To no ones surprise, that call never comes, and I have to reach out to them again, only to have the same promises made, and the cycle continues. A little more than a week ago, I spoke to a supervisor who assured me that the issues are resolved and that this wont happen again. Foolishly, I believed the supervisor. To his credit, the card didnt go under review again until a week later, the longest time the card had not been under review between reviews. Alas, however, the review came. And after spending XXXX5 hours of phone time ( mostly in hold ) with them today, holding my XXXX so I wouldnt lose service in the bathroom, I am sitting here with promises of a call back that will surely be broken once again. This is beyond frustrating at this point. And I have not even been able to use my card so I may not be able to hit my minimum spend amount required to take advantage of their sign up rewards bonus. Speaking of which, I did not receive my thank you points for the second month of spending until I had to call the thank you points line to have them adjust it. I imagine that this hold is the reason for it. I anticipate that being the case with this month, once again.
I HAVE A 30 DAY LATE ON MY CREDIT REPORT. I PAID ON XX/XX/2018 FOR THE AMOUNT OF XXXX IT WAS taken from my acoount. I called freedom mortgage. I spoke with a REPRESENTATIVE and they told me to email my supportive documents and a brief message and they should remove 30 day from my credit report. Freedom mortgage is starting that they never got my payment. I was told it never cleared from my bank. I have my online banking showing it was taken out. I did have two return checks but not for this amount. Then i was told i made a payment on XX/XX/2018 in the amount of XXXX. I never made a payment on XX/XX/2018 and never make a payment in the amount of XXXX.
These inquiries are unauthorized, and I have contacted the creditors ... and was informed that you should promptly delete ... and that they will and have not verified this Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX
When took out this loan it only covered a small fraction of the amount I needed to attend school and I was and am currently repaying for the loan. I am struggling to repay this debut due to the fact that I never received a degree I kept running out of financial aid funding. I dont mind paying for something I utilized but if I didnt receive the benefits of a degree that I feel Navient does not deserve my hard earned money. I have a family to support. I am a single parent and my daughter now wants to attend college and I cant even help her..
Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio
Unauthorized hard inquiries from XXXX XXXX, XXXX, Axcess Financial, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Nationstar MortgageMonday, XXXX XXXX, XX/XX/2015nationstar IS NOT APPLYING MY PRINCIPAL PAYMENTS TO PRINCIPAL THEY ARE APPLYING IT TO FEES. i paid an additional {$20.00} to the principal and as you can see from the records below but when i login to my nationstar mortgage account they have the {$20.00} applied to FEES. they do n't say what kind of FEES it just says {$20.00} fees principal paid {$0.00}. 

why did XXXX allow me to get stuck having nationstar mortgage get my home loan from XXXX home loans??? 

Thank you for making a payment at MyNationstar.com! 

Below are your payment details : From Account : XXXX Bank and XXXX XXXX Account : Loan Number XXXXPayment Date : Monday XXXX XXXX, XX/XX/2015Payment Amount : $ XXXX Fee : $ 0.00Additional Escrow : $ 0.00Additional Principal : $ XXXX Amount : $ XXXX Payment : $ XXXX confirmation number is XXXX
I made my Coinbase account when I was in the XXXX and used it there for a couple of months before moving to XXXX XXXX. Throughout the past couple of months, I 've been using the Coinbase app, but when I wanted to sign in using my laptop on XX/XX/XXXX, I was told to verify my account with my ID. Since I do not hold my XXXX phone number anymore, I had to change my phone number to access my account. That went well. However, as soon as I submitted my ID, my account was XXXX. I contacted Coinbase twice, and I have not yet received any information regarding my account status.
My loan is with Ocwen loan number XXXX, and there is a foreclosure sale for XX/XX/XXXX-i am desperately asking for you to help me keep my home. 
i have been calling Ocwen to ask for help to apply for a loan modification and every time i call i speak with different agents telling me to send an application. I was approved for a modification in XX/XX/XXXX but i did not accept it because the payment was very high and the gave me a balloon payment of almost XXXX dollars. i callled and an agent told me to send a loan application but when i faxed it and called to see if they received it they told me no and that they could not help me to keep my home. Please help me so that i can have the opportunity to apply for another modification and i also asked for a repayment plan i am trying to get some money to make arrangements.
ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?
Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing
I have been a loyal BOA ( Bank Of America ) customer for roughly 7 years now. When I originally opened my account, I was told if I get direct deposit into my account, I would not be charged any fees. I went ahead and set up my direct deposit and from that day on was NEVER charged a fee. Until last month. Last month I checked my account on the mobile app, as I do daily, and noticed that I was charged a XXXX dollar monthly fee. I called customer service and spoke to a woman who happily waived the fee, apologized for the inconvenience and assured me it would not happen again. Well, it happened again this month. Although this time customer service was not so friendly. I explained to them my situation and they told me the fee was valid and continuously explained to me the their CURRENT standards for opening an account and how to avoid fees. I expressed that those were not the same standards as when I opened my account 7 years ago, and they told me there was nothing they could do. They told me nothing has changed on my account in 7 years. I asked how that was possible considering I had never been charged a fee in 7 years and now I 'm being charged a fee. I told them THAT is a change. They denied, denied, denied and continued sending me their current standards for opening an account. I used to love banking with BOA and even referred a couple of friends. It 's sad that after 7 years of being a loyal customer, this is how you get treated - without even an explanation as to why.
THIS IS NOW MY SECOND COMPLAINT ABOUT THIS COMPANY AND THEIR ILLEGAL THREATS AND TACTICS, THIS COMPANY HAS CONTACTED ME AND THREATENED ME NUMEROUS TIMES OVER THE PHONE STATING THEY WERE GOING TO HAVE MY LICENSE SUSPENDED IF I DO NOT PAY THEM, ON NUMEROUS PHONE CALLS YOU WILL HEAR EMPLOYEES YELLING AND SCREAMING AT ME AND EMPLOYEES TELLING ME THAT THEY WOULD NOT BE TREATING ME WITH RESPECT BECAUSE I AM NOT THEIR CLIENT, I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS BUSINESS AND THE TACTICS CONTINUE I CONTACTED THE COMPANY STATING I AM REQUESTING THAT THEY SEND ME PROOF OF THE DEBT AND THE EMPLOYEE REFUSED TO PROVIDE ME VALID PROOF OF THE DEBT. THE EMPLOYEE STATED THEY ALREADY SENT IT AND I RECEIVED IT AND I HAVE NOT IN FACT RECEIVED ANY WRITTEN CORRESPONDENCE FROM THIS COMPANY, THIS IS NOW A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES AND IM DEMANDING THIS ACCOUNT BE CLOSED DUE TO NUMEROUS ILLEGAL VIOLATIONS IF THEY DO NOT CLOSE THE ACCOUNT OUT WITH A {$0.00} BALANCE I WILL PROCEED WITH LEGAL ACTION.
Hard inquiry on my credit report on or about XXXX/XXXX/15. I was contacted by creditor XXXX XXXX about pending application that was fraudulent and they closed the account. I 've filed XXXX disputes with XXXX and Transunion and XXXX XXXX had submitted information on 3 different occasions. Each time I '' m contact back about the dispute I 'm informed that the inquiry is legitimate because they are looking at my actual account opened with XXXX XXXX, not the inquiry for the fraudulent account and refuses to remove the hard inquiry from my credit report. I 've also submitted documentation of the closed account due to fraud each time. I was informed the first document was not received and the second time I was told the inquiry was legitimate due to my active account. This process has been taking place for almost a year.
Since XX/XX/XXXX Ive had a support ticket open with Coinbase support to unlock my funds in one of their accounts. They have promised timely support and have asked for my patience but the weeks are turning into months and I still dont have access to my funds.
I received a letter from American Express in late XXXX ( I believe ) more or less stating that my interest rate on my credit card was being adjusted to nearly TRIPLE the rate I have had for almost 23 years. The reason was not one wherein I did anything to default on my card terms and conditions or anything of the like. I called in XXXX to address the matter and was told that American Express needed to align its card product to be in better alignment with market standards. It was due to a subjective business decision in other words. I was told that in order to contest the interest rate change, I was REQUIRED to go though an appeal process. Required. The supervisor with whom I spoke said she would submit one for me stating she understood and was in agreement that I had a stellar relationship with them for a long time and never paid late as I stated etc ... Within three days I received a letter in the mail stating that my FICO score which was very good. But AMEX still has chosen to raise my interest rate without material reason. The letter provided a number to further discuss and what proceeded was a sham. I spent nearly an hour on the phone being passed around to various persons because the number provided was misleading in that I could get further information. I have a record of all of the dates that I called and with whom I spoke. I suspected they were running a game hoping I would go away. AMEX is imposing usury level interest charges to suit their greed. If you provide a line of credit based on credit worthiness and the consumer has not breached any of the terms, it is beyond unreasonable to just decide to triple the interest rate because my guess is AMEX did not like the fact that I had recently let me balance run higher than normal. I have that right because it is in line with what I was approved for and I even paid off the entire balance. One time I was even connected to a group called Responsible Lending and spoke with a very reasonable rep who demonstrated the patience to hear out all details and he even said he did not understand why my interest rate would be raised so high. Yet he could not help me ultimately because I had been improperly transferred for the 3rd time that day. That aside, in terms of quality of customer service, in all of my nearly 23 years with this company, AMEX gets an F+ for making a decision to communicate such an egregious unfounded change to my interest rate after being an EXCELLENT customer so long. There is a deficiency in the internal processes to handle these sorts of matters which leads me to believe it is intentional. I am not going to just swallow a usury application of a charge. I made many efforts to identify the proper party to speak with re : what would become a SFP complaint and some were just ignorant and others just did not seem to care. Very unfortunate.
In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.
XXXX XXXX XXXX XXXX XXXX evicted my ex-wife while we were separated and I had relocated to another state for work. I had XXXX knowledge of the debt until now. On my credit report they have a judgement for {$2000.00}. There is also a collection agency trying to collect {$4100.00}. I am being told that I have to pay both of these and I do n't think that is legal nor fair. I understand I am responsible for the debt and I will undoubtedly pay it. However, it is not fair of them to double report on my credit. It is really hurting me in trying to live. I can not even find a place to rent. So I have to live with friends.
Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
filed a complaint with cfpb and against XXXX /transunion and a pay status was added to the account that this was a chargeoff account, this was never listed that way before, it was settled for less than amount owed but never charged off it should just say paid, XXXX was paid through XXXX also and they are reporting paid {$0.00} pay status current, on the XXXX account XXXX and XXXX is reporting paid {$0.00} pay status unknown and current, TransUnion is the only one reporting late payments when they were reporting after the account was paid. The pay status just needs to read current
Bayview servicing illegally forclosed on my propertyat XXXX XXXX  XXXX XXXX .XXXX  mass broke the non-judicial laws of the safe of mass and consumer protection act banking law XXXX A never helped to modify my loan .XXXX XXXX and XXXX. XXXX filing this complaint.
I have left XXXX on XXXX XXXX, 2015. Befort I left, I have payed the rent on XX/XX/XXXX2015. And payed the water fee of XXXX month on XXXX XXXX, 2015. However, My credit account show that I have overdue debt peported by XXXX. Please help me check. I have not received any mail or email to let me pay something. The attachment is the prove that I have payed off rent and water fee.
I get phone calls all day from them. They leave messages saying they're issuing a warrant for my arrest. I told them before I could only pay at least {$30.00} per month, more if I could, if they could agree to send me a monthly bill. They agreed but never sent a bill. So I keep getting threatening messages. I've tried to resolve this but they aren't sending me bills like they agreed to.
About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for {$1.00}. I accepted the offer as the price was right. Now they are billing me on my email account for {$21.00} as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted. I assume there was some kind of hidden in small print of something or other. Now they want me to pay a fee for something I never asked for. Now I 'm also asking them to return my {$1.00} for whatever scam they are trying to hook me into. Since I never signed any contract, explicitly or implicitly, this is an attempt at extortion.
I am filing a complaint against Synovus Bank because I do not owe them any money. The debt has been paid off ( XX/XX/XXXX ). This alleged debt was bundled in a loan package and sold to a debt collection company in Illinois. I am baffled about this purported debt ; the information provided was sketchy. Their XX/XX/XXXX letter did not provide in clear terms the date and amount of the loan, and a description thereof of the type of security for the loan that they sold to the company in Illinois.
I'm quite disappointed with Nissan Motor Acceptance since they are reporting several lates on my credit report. Since I didn't feel these are accurate I requested statements of the months I was late perhaps payments were misapplied. The months i'm referring to is : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
XXXX XXXX XXXX # XXXX. I had complaint about this company before and I had not received back any correspondence from this company. It has been more than 30 days since and this account I demand to be removed from my Credit Report.Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. Section XXXX, you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
On XXXX/XXXX/2015 I was induced in opening a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX Miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX Miles to be deposited into my account by the XXXX XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting the XXXX XXXX Miles. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
I opened up a credit card with Capital One in XXXX of 2015. I went online to setup auto-pay for my XXXX payment, but the system was down. I called and spoke to a woman who walked me through the process over the phone. I gave her my banking information and was told everything was all set. I track my credit closely XXXX, and received a notification that my score had dropped almost XXXX points. It was due to a XXXX delinquency with Capital One. I immediately called Capital One to discuss the situation. They appeared to be understanding. I was told they would no longer report this to the bureaus. I then received a letter saying they will not be removing this from credit reports. I called yesterday again to discuss the situation and was told there is nothing they can do. I am frustrated because this was a human error on their end and did not follow through with their promise.