WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a call from Citi Bank asking if I was using a XXXX car. Someone charged my account twice. I checked my Citi Bank account on line and found fraudulent charges and called Citi Bank back. The charges were from XX/XX/XXXX-XX/XX/XXXX for {$2400.00}. I paid off what I owed and locked the account. The balance was {$0.00}. They did remove the charges except a revolving charge of {$49.00}. They continued to allow this charge on the card. I was given a new card with a new number and they allowed the {$49.00} to continue. I have called then over 30 times or more. The last charge of {$49.00} was XX/XX/XXXX. I am now being charged late fees, interest on the account and the original fee charged of {$1.00}. The interest includes the amount for the fraud items charged from the start. My new balance is {$190.00}. Citi has reported my payment late. I have been talking with supervisors in the fraud department and can't get this resolved. On XX/XX/XXXX I was told the balance will be cleared and my credit report will be updated, and I would receive a call when completed within 3 days. I haven't received any call and the current balance has increased. They didn't do anything, no call back either. They have not cleared the account and I get e-mail messages they have unlocked the account.
I went to pay my Macy 's credit card account 6 days ago and was unable to get in to the system, it keeps reverting back to Macy's.com after it says it is leaving to go to XXXX. I tried to get assistance and there is no one that speaks XXXX to speak to then I spoke to XXXX different people in XXXX minutes and it took XXXX phone calls. 
My account is now late, they say that you have to get a new credit card with a new number and then you can use the system. NO WHERE has anything been sent stating this was going to happen and now I have a late fee and they are ONLY concerned with trying to get a payment prior to them even trying to HELP. I am disgusted, I think I have had these cards for 15 years at least and now they say the new & improved system is great however it SUCKS and you can not even get into it. 
I understand things are changing but since when does XXXX the customer over help? What happened to sending out a new credit card and explaining WHY you need to have a different number instead of XXXX the customer, the tech support ca n't even answer if this is going to show up as an additional number to the previous one on your credit report, yet again if it does it can effect your credit report and there again screw the customer ... 
Macy 's is the ONLY company that I have a credit card with that you can NOT pay online for the date due, you have to pay online on the day you are online doing it ( something new with them in the last year ) ... XXXX is wrong with this company?
My mortgage # XXXX held by XXXX XXXX was sold to Wells Fargo on or around XX/XX/XXXX. Wells Fargo has assigned # XXXX to this loan. 

I made my XX/XX/XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX. Wells Fargo is demanding that my XX/XX/XXXX payment be sent to them. For some reason, XXXX XXXX and Wells Fargo can not communicate between themselves to straighten this out and I do not feel responsible for this problem. 

I had nothing to do with the sale of my mortgage to Wells Fargo. In fact I am not happy to be doing business in any form with Wells Fargo due to there record of unethical dealings. I do realize that I have no control over the transfer of this loan. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments have been accepted by Wells Fargo. The outstanding issue is the proper crediting of my XX/XX/XXXX mortgage payment.

Please help. I am an old angry widow and have no patience with this nonsense.
We have an account with Citibank World Mastercard that went 7 days past due for the amount of {$38.00}. This account has never been past due and we didn't realize the original payment was a little short. A simple reminder would have sufficed and we would have promptly made up the difference. Instead, Citibank has contacted us via phone at least 6 times in the past three days ( we think more where there wasn't a message left ). While we are only {$38.00} past due, their message misleadingly indicates we must pay {$420.00} as it's the balance due ( which the actual due date for the additional amount over {$38.00} is XX/XX/19 ). We contacted them twice and I also answered the phone one additional time letting them know we had made a payment and we had also transferred a payment via reward points to them which would more than cover the amount past due. This morning within 5 minutes of me hanging up the phone with them, they called AGAIN! I asked for a supervisor and advised about the payments on the way and that they were harassing us with all of the calls and threatening, misleading messages. They claimed they notated the account so the calls would stop.
On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS 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 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX XXXX {$670.00}
Company : XXXX  [ Coinbase ] I have been an customer for XXXX XXXX XXXX XXXX for a while and since first week of XX/XX/XXXX my account is disabled and unable to access. My account has around 25,000 USD hard earned funds. I have made more than 20 customer service calls and opened a customer support Case # XXXX on XX/XX/XXXX. It's been one month now and no resolution and giving me mental torture with standard template message saying " '' Thank you for reaching out Coinbase Support! I apologize if this has been taken so much of your time. We have been receiving a high volume of escalation recently and we are trying are best to respond as fast as we can. '' '' Please help and one month is lot of time for any financial company to resolve customer high priority issue.
Collins Asset is attempting to collect on a debt that was removed and discharge from my credit over 8 years ago however the home was fourclosed over 10years ago. This loan was a 80/20 lo an and serviced with  XXXX   XXXX  and sold many times  XXXX ,  XXXX  and  XXXX  attempted to negotiate with me.  Collins Asset i s now taking me to court stating that they accelerated the loan.
Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.
Today XXXX XXXX, 2016 I did called the sears citi master card to request for credit increased. The male representative in XXXX XXXX, never even check his system he just asked my social security number, and never reviewed the report that I have, this company made a mistaked and went into my account, to enrolled me to a paper less payment, this company told me, that I owed them, and they said that there will be a late charged, Ive been in this company for almost 5 years, but I never missed my statement from them, there male representative declined my credit increased, and hang up on me, he ruin my credit report, I called there investigation department, and they said, that they will call this guy, but they will never call me anymore, is this a right policy, how this company ruin my credit, there representative told me, that my payment will be hold for 48 hours, so by Monday, that is the day I could apply for increase. Its not the company but the poor of this call center.
I have been a Bank of America client since XX/XX/XXXX. I have never had an overdraft, a NSF, or a returned check. My checking and savings accounts with Bank of America are in perfect standing. 

In XX/XX/XXXX, I was approved for the Bank of America Travel Rewards Visa credit card with a credit limit of {$2000.00}. I have never missed a payment and my account is, as far as I know, in perfect standing. 

On XX/XX/XXXX, Bank of America sent me a letter stating, This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the banks risk tolerance. 

As of XX/XX/XXXX, I had over {$100000.00} on deposit with Bank of America. As of XX/XX/XXXX, the total credit available to me from Bank of America was {$7000.00} across two Visa credit cards. Both credit lines were closed, without warning, by Bank of America. 

Despite the fact that the funds on deposit are at least 14 times greater than my available credit, and my payment history is 100 % perfect, the bank claims that there is a problem with my risk profile. 

I have contacted multiple departments within Bank of America, even writing to the Office of the CEO, and all I have been told is that my account is closed, the decision will not be reconsidered, and Bank of America has no obligation to tell me why I am being denied credit.
I got a credit alert from several of my monitoring companies for a credit card that I do have from   XXXX   XXXX  . It was a   XXXX   MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with Transunion. That 's the only report it 's on. The other  XXXX  Bureaus show no latenesses. Transunion claimed the information was verified. I ca n't dispute again.
On XX/XX/XXXX we had submitted the certificate of eligibility for the Sandy Forbearance program to Caliber home loans. After months of calling and asking for a response, they sent us a letter dated XX/XX/XXXX stating they require a Certificate of Occupancy prior to reviewing the loan for the program. On XX/XX/XXXX, when we received our CO, it was faxed to Caliber Home Loans. According to the letter requesting the CO, it states that upon receipt of the requested documentation, a Single Point of Contact representative will contact us to inform us that they have the information required. Subsequently, we will receive a follow-up phone call explaining the particulars of the forbearance. We have not received any phone calls, e-mails or US mail responding to the information sent. In addition, we had e-mailed a copy to XXXX XXXX, as he had requested that an e-mailed copy be sent to him. According to the law, we are eligible for a 12 month forbearance from the date we received our CO. We are facing foreclosure and have been patiently waiting for this offer of forbearance. I have been calling the Customer Service line at Caliber once a week since sending the CO and nobody is aware of any such forbearance. Time is not on our side. We desperately need this offer of forbearance, as we meet the criteria according to the law.
XXXX represented they could take a settlement agreement for Capital One. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and Capital One has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.
Hello. 
On XXXX of 2017, I purchased a " Used '' XXXX. 
Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. 
The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. 
Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. 
A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
This is a summary and a full version will be attached to this complaint. I was victimized by a scam involving online sale of puppies. Perpetrator was sophisticated in the way they described their program and involved victim in their process. They started out with a beautiful puppy and great concern over well being of the puppy and got you to buy into how sincere they were. They convinced me to send {$750.00} -- {$500.00} for puppy, {$250.00} for shipping ( at a cost of {$11.00} to me ). Then they said they would ship puppy & I would be contacted by delivery company. Delivery company contacted me with elaborate delivery procedures & instructions then at the last minute the delivery company contacted us wanting {$1800.00} for life insurance on the puppy saying they would return {$1700.00} of the {$1800.00} at the time they delivered the puppy. The backed up the demand for the {$1800.00} with references to XXXX regulations. We did not pay the {$1800.00}. It is a pretty elaborate scheme. It works fast. I am afraid other vulnerable people are being defrauded by this scheme. I suspect that the breeder and the delivery company are actually the same person or people.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Hello, please help. To be brief, in XX/XX/XXXX I filed bankruptcy with my now ex husband and surrendered a home. BKY discharged in XX/XX/XXXX. To this date, the home has NOT yet foreclosed! After more than 7 years! This mortgage was part of that Countrywide/BOA buyout issue and the foreclosure has started and stopped many times. Currently, the case is closed, without foreclosing. The judge just this year ordered the note to go back to the mtg company, and closed the case. I have since then remarried, and have worked very hard rebuilding my credit. Even though I am not responsible for this debt anylonger due to the bankruptcy, I still can not qualify for a loan until 7 years past a foreclosed date!!! My score is over XXXX now, but due to the home not foreclosing, it has stopped me from moving on with my life, and purchsing a home with my husband. I have written nurmerous letters to the bank as well as one to the XXXX of Florida, and have been directed to you for assistance. I have seen homes foreclose within a year or so, and mine has been over 7!!! Can you please help?? The way this is going, with the case not being assigned to anyone, after being buried for years, this can continue indefinately for years and years. Please help. THIS HOME NEEDS TO FORECLOSE. Former name XXXX XXXX. I will supply documentation of surrendered home in bky pwk when contacted. Original bank was Countrywide, and BOA purchased the loan.
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.
CASE # XXXX This is a relatively small amount of money but it's the principle of the thing they stop serving breakfast they didn't have what we wanted it's not my fault if you would have pushed them to respond which I know you haven't then they would agree that during the time that I was checking out is when they stop serving breakfast which means that I paid for something I never caught but Capital One failed to do their due diligence and they're allowing this company to steal my money I didn't sign anything and there are cameras why don't you ask them for the camera footage will see I don't have anything whenever I'm leaving I never got any food why don't you ask them for this proof that's because Capital One doesn't want to do the work to support their card members and one last thing there's no receipt because I didn't buy anything
On XXXX we applied for a chapter XXXX due to debt incurred with XXXX XXXX.Our chapter XXXX process terminated around XX/XX/XXXX, the debt claimed by XXXX XXXXXXXX was paid up at the end of such time period. The third week of XX/XX/XXXX we received the first call from XXXX XXXXXXXX, asking us if we wanted to pay what we owed or if we want our home to be foreclosed. Days after we received a certified letter from them claiming we owed {$8500.00} plus {$1800.00} to be paid by XX/XX/XXXX to avoid foreclosure of our only residence. Do to the fact that XXXX XXXXXXXX, closed operations in Puerto Rico around XXXX we have no way to communicate with a XXXX XXXXXXXX personally. The debt they claimed was paid at the end of our charter XXXX process. We tried numerous calls to CitiMortgage since the third week of XX/XX/XXXX with resolution. By the way on every call we were constantly harassed on with no explanation at all. As of XX/XX/XXXX XXXX XXXXXXXX commence refusing our monthly payments claiming the payment should be in full including what they claim we owed them. This procedure ballooned the amount of our debt for no reasons at all. Due to their constant aggressiveness and harassment toward us we were driving to applied for a second chapter XXXX ( XX/XX/XXXX ) to stopped them to foreclosed our only and principal residence, On XX/XX/XXXX they started one more time to pressure the process one more time. I take this moment to thank your organization for your time and support regarding this injustice.
There is a collection company that is illegally and erroneously reporting a debt due, I already requested an investigation thru all XXXX credit bureaus and I have been unsuccessful. The company still says that the debt is due when there was never one. The collection company is showing a debt due as a rental/leasing category from an original creditor when I never even rented from them. Need this item removed from my credit inmediately.
Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX X Account Type Installment Loan Date Opened XX/XX/XXXX
On XXXX XXXX, 2017 I applied for a XXXX XXXX position with XXXX XXXX XXXX XXXX XXXX in XXXX, Utah and told the HR Manager that I did have XXXX XXXX from 9 years ago. On XXXX XXXX, 2017 I received my background report from GSI ( General Information Services ) and on the report they had listed my charge as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on page 3 ) which is the correct charge but on page 2 under grading results they had grouped it with XXXX XXXX. I immediately filled out the dispute form stating that no where in my record was there anything close to XXXX. On XXXX XXXX, 2017 I spoke with XXXX XXXX about the dispute and she told me that there was nothing GSI could do about the grading results, she said that XXXX groups like charges together. I told her that the charges were n't even in the same category and that I wanted it removed immediately, to me this is defamation of character. She basically told me that it did n't matter that I and XXXX 's were the only ones that would see this, I still told her that this was unacceptable and that it was sent on GSI 's company letterhead and so therefore I would hold GSI responsible. On XXXX XXXX, 2017 I received another letter from GSI stating that they had not changed anything on my report. I can understand not getting the job due to the charge but I refuse to have my charge grouped in with anything like XXXX. I feel that if they did this to me they are doing this to others and it 's not right. I have contacted several agencies and they agreed that I needed to file a complaint. I sent all of my court papers to GSI in my dispute letter and feel that they are responsible of a gross injustice by grouping the charges where they are so different. I believe that they should be held legally responsible for defamation of character and they need to be investigated for false reporting and should n't be allowed to group such different charges together. I take ownership of my past but refuse to have anyone accuse me of something such as XXXX XXXX
On XX/XX/2017, XXXX XXXX XXXX XXXX offered a good deal on a credit card. Then, without my knowledge, someone in my family applied for the card for me. But to my surprise, I saw on my credit report that I was declined for something I didn't apply for! Therefore, it's a complete mistake as I wouldn't apply for a non-secured credit card with the short amount of credit history that I have!
I can not LOCK or UNLOCK my credit history on Equifax 's so called TRUSTEDID XXXX website as they advertise. When I called for customer support I reached people in the XXXX who transfered me no less than XXXX times. I could not get a straight answer out of any of them. This whole situation is totally ridiculous!
I had received a called from XXXX XXXX about helping me get more money if I put XXXX in and days after days after days he kept stooding me up telling me to wait the money I used was rent money and that was told to him that I needed his help now Im finna loose my home and all I want is my money back to my family