WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Citi Thank You card that has had fraud activity on it several times in the last 6 months. The fraud activity is always for the same amount and same place in XXXX. Each time this has happened, I have had to close the card and am issued a new card. I have had XXXX cards since XXXX 2016. The most recent card sent to me ( my XXXX card ) due to fraud activity was activated on XXXX XXXX, 2016. I had it for less than two weeks before there was fraud activity on it. I had to close it was issued another card ( my XXXX Citi Thank You card ). I have not used the card since XXXX 2016 for a doctor 's bill. The card is not registered at any online sites. Yet, this fraud activity still occurs. When I spoke with Citi regarding the most recent activity, I was informed that once I activate the card, I could call and consolidate it with my other Citi card and close the Thank You account. So I did that. But the rep that I spoke to told me that she could n't do it but I could call back on XXXX XXXX, 2016 between XXXX a.m. and speak with a supervisor who could make changes to my account. I called and was denied speaking with a supervisor and was told that a supervisor was unavailable. I called back and was informed that supervisors who can make changes on accounts are only available between XXXX XXXX. This is in contradiction to what I was originally told. I keep getting the runaround and no one is willing to help me. I 'm tired of having to close my Thank You card and activate another one every month or so because of some issue with Citi 's security.
My Mortgage payment amount changes each month. 
I never know how much I am suppose to pay. 
The company PennyMac XXXX CA XXXX I have tried to speak to someone about the constant changing of the mortgage amount I am to pay each month.
I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. 
I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. 
Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.
A direct marketer, XXXX, contacted the Citi bak cardholder, and elderly woman with diminished memory, and manipulated her into providing information that enabled them to charge her card for an extended warranty on a vehicle registered in her name. The car has not been driven and the cardholder does not drive.
There has been an effort to contact the direct marketer, but every time additional information is requested and subsequently nothing is done when information is provided. When the charge was initially posted, Citi was notified that it was not a valid charge. there was initially a credit, but then it was reversed. After the reversal, another case was opened with Citi, but now they are stating that too much time has passed, and that they can not dispute this transaction as unauthorized as we previously advised them that this transaction was knowingly entered into. This is incorrect. they were advised that there was a phone call where the direct marketer obtained the necessary information to be able to charge the account, but it was not agreed to and has been disputed from the beginning. We have attached the latest correspondence we sent and received. We have all the documents if needed.
We paid off the  XXXX   XXXX  in  XXXX    XXXX  . We called in  XXXX  and were sent a letter on  XXXX / XXXX /  XXXX   that states " Chrysler Capital recognizes the above reference account as paid in full on  XXXX  ''. The letter asks us to wait 30 days. We are well past 30 days and still no title. We can not sell or trade the vehicle without a title.     We met our obligations and expect Chrysler Capital to send the title  ASAP P.S.    I am unable to upload the letter
They won't release our funds and since the XXXX of XXXX the have said that they are aware of the issue but it is now the XXXX. My bill are late now and my insurance got cancelled because the EFT bounced. They are not giving a temporary credit or any other resolution. Customer service just tells you to keep trying.
Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for XXXX XXXX XXXX and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
I lost my job and fell into default with my car loan i am a single mother and i really needed my car i asked to try and refinance to at least help me lower the payments the company said no i tried to make arrangements to settle the back payments i owed once i found a job again. Again the company said no. They wanted me to come up with all the money from the  3  payments i was behind. I was unable to so they repossessed my vehicle. Now they are calling me telling me i owe  XXXX  dollars to them.
USAA is my bank I had used a customer service representative to transfer XXXX dollars from my checking account to my XXXX account to increase my secure credit card line of credit. The representive transfer out of my account XXXX yet the bank does not know where the money is. It was never transferred to any of my accounts and is no longer in my account. Im XXXX XXXX XXXX and was leaving for a crusisevwith my daughter. I could not go cause the bank lost my money and did not find it after I begged and explained this was a once in a lifetime trip. I lost my money that I paid for the cruise cause I couldnt make the trip without money to travel. Im heartbroken the bank refused to give me back my money.
I sent a deposit for XXXX XXXX XXXX XXXX to import a vehicle. I have not received the vehicle since the purchase XX/XX/2016. I guess there are problems with the exporter in XXXX but now I dont get the vehicle I purchased unless I pay someone else to ship it. XXXX
On XX/XX/18 I asked that they stopped calling as I told them when I could make a payment. This conversation was never recorded. They have continued to call 3-4x a day and said they have every right to. On the XXXX I did tell her I would file harrassment charges with you. Again she said this was notated. Tonight I spoke with XXXX that transferred me to XXXX that transferred to his supervisor XXXX who then transferred me back to XXXX who then transferred me to XXXX agent # XXXX. They all told me they had a right to call up to 4x a day until they received a payment.
An account was deleted and my score went up but then a week later the same account was re-added and brought my score down again.
This is an update to my most recent complaint concerning USAA. The bank did not let me speak with the President, Vice President or CEO. Instead they had a specialist contact me by email which did not address the matter whatsoever. They stole my XXXX refund, told me I had no basis for a claim and reversed the credit they issued me and billed my account for it ( XXXX ) thereby limiting me to getting the refund from XXXX yet they stole the refund because ( I have no claim ) so they must give it back to XXXX so I may begin the claim process ( because they can not steal the refund AND bill me for a reversed credit ). Please have a senior officer contact me because there is serious corruption at this bank internally.
I talk to XXXX over at Equifax XXXX/XXXX/2015 XXXXEst. I called to ask about permissible purpose allowing false data to being reported on my report and the protection of my identity. He stated that the data was factual. ( Factual : Concerned with what is actually the case rather than interpretations of or reaction to it ). I have sent over XXXX Letters out to these creditors asking them to show permissible purpose that I allowed permission to run my private information, I did n't receive a letter of return from not one of these companies. I have engaged a freeze on my private information because of the damages. It is your responsibility to ensure that the creditors demonstrate clean permissible purpose in accordance with the FAIR CREDIT ACT before releasing a consumer 's credit report Demonstrates that the hard inquiry for met the requirements, pursuant to the fact. 

XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere are multiple dates reported that it was permissible purpose. Please show that it was permissible purpose, each dates, each creditor full documentation. The data is very damaging
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX SV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a Surviving spouse of XXXX XXXX Service member.
Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!
We bought the car after experiencing the loss of our previous car from a MVA in which the car was totaled. We felt pressure to buy something quickly, from the insurance company. We purchased a XXXX XXXX, and the XXXX dealership obtained financing through XXXX XXXX XXXX. The account number is XXXX. The payments became a struggle when I had to stop working as a XXXX XXXX XXXX due to health problems. I tried to work with the company to reduce payments and they were unwilling to work with us to lower the payment amount. We thought maybe we could trade the car in and lower the payments that way, and the gentleman at the XXXX dealership suggested just letting the car go. It would only hurt your for a year. In fact he told us he had done the very same thing and it did n't affect his credit at all. They refused a trade in because the amount owed was more than the value of the car. Being desperate to lower our payments we fell for this and purchased a XXXX XXXX XXXX for {$300.00} less per month. I tried to talk my husband out of this but he would change his mind. My husband was diagnosed with XXXX XXXX XXXX in XXXX and does not always see things clearly. They came and repossessed the car, sold it and the amount we still owed was {$17000.00}. We only paid XXXX for the car new. I was not able to maintain employment and had to file for XXXX due to XXXX. We tried so hard but we were so gullible. The car was purchased at XXXX XXXX in XXXX  Carolina.
This Complaint is about Fraudulent Transfer of Tile to Real Property in which Schools First Federal Credit Union SFFCU Offered False or Forged Instrument for Filling and Recoding ( Cal Pen Code 115 ) with XXXX County Recorders against my legally owned property located in XXXX County, State of California, with intended to defraud and with parties, with no legal interest in the property, or authority to do so. On or after XX/XX/XXXX, in the County of XXXX , Schools First Federal Credit Union , did  unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : the TRUSTEES DEED UPON SALE in XXXX County Public Property Records .. On XX/XX/XXXX, in the County of XXXX, Schools First Federal Credit Union, did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : COMPLAINT FOR UNLAWFUL DETAINER in XXXX County Superior Court to be filed, registered and recorded in the Public office within this State, which instrument, if genuine, might be filed, registered and recorded under a law of this State or the United States, in violation of Penal Code Section 115, subdivision ( a ), a felony. On XX/XX/XXXX, Schools First FCU, sent an email alleging, Schools First FCU Home Equity Line of Credit Statement, while claiming to be the owner of the claiming to have purchased the property on Auction under a fake created loan number. This fraudulent action scheme could have been carried out because I have a Home Equity Line of Credit with Schools First FCU, which I have been paying on since on or after XX/XX/XXXX, through a direct withdraw monthly payment schedule, dating back to XX/XX/XXXX and has not changed. On Friday XX/XX/XXXX, I found a Notice to Vacate my legally owned property. The Notice to Vacate appeared to be with a Void judgement from the Superior Court of California County of XXXX, with attached XXXX County Sheriffs Office, ( XXXX ) XXXX. No documents were attached to the Notice to Vacate to prove alleged ownership, by Schools First Credit Union, which can not be proven because the Judgement was void on its face. SFFCU acts constitute to unfair and deceptive practice. I own my property and I have the Grant Deed to my property to prove ownership. The Note the Deed of Trust Schools First claim to have obtained had no out standing Debt and the Deed does not transfer the property ; nevertheless, Tile or Deed of Trust together with the note by law can only be transferred by owner or it dedicated agent, and with documentary evidence to prove agency relation and certify the statute of fraud.
At the beginning of XXXX I activated a 5 % cash back bonus reward for grocery stores & local markets on my Discover card. Got ready to pay my bill, I had a balance of {$430.00} with rewards of {$21.00} that was verified by Discover card supervisor XXXX employee # XXXX in Ohio on XX/XX/XXXX. However, they would only let me redeem {$4.00} of that reward before paying my bill. XXXX said I couldn't redeem my full reward until after XX/XX/XXXX. Bill is due XX/XX/XXXX. This is unfair & deceptive. Why do they get to " hold '' my redeemed cash back benefits instead of crediting my bill when I actually make the purchases? I can't find this in the fine print anywhere & even if it is, this is deceptive.
I made a purchase for a mantel from a company on XX/XX/2017, and they were supposed to deliver the item 2 weeks later. After numerous phone calls and 8 weeks later, I was finally told that they were overwhelmed and behind, and they were working on getting the mantel into their warehouse. Additionally, the salesperson screamed at me. I told them at that time that I wished to cancel the mantel, and would like a full refund. After arguing with the salesperson, I contacted Discover and advised them that I wanted to dispute the purchase because I had not received the merchandise, and I was misled as to when I receive it. Since XX/XX/XXXX, I have been going back and forth with Discover Card, and they have sided with the merchant after their representative told me not to cancel my dispute until the merchandise was received. I have never received the merchandise, and after 9 months I don't want it. Discover states that I signed a form stating that the merchandise was special order, which was not true. The special order item was the fireplace door, which I cancelled and those funds were returned back to my card. At this point, I have exhausted all options with Discover Card, and they are refusing to credit my account for the full amount, because the merchant has stated they have tried to contact me, which again is not true because they advised me back in XX/XX/XXXX that until I cancelled my dispute they would not deliver the item, and I have not cancelled the dispute because they refuse to deliver the item.
Hope that you can help. 

I am a XXXX with 30 years in the business. 

We have a home equity with Key Bank, for which we continue to get harassing phone calls at two or three days past the due date. Generally I pay at the end of the grace which is five days. 

I sent XXXX a letter, which requested under the fair debt collections act that they send any request via XXXX Mail and do NOT contact by phone. They have previously acknowledged the receipt of the letter. 

I have also verbally requested that they cease and desist. 

I also verbally informed them that they are not in compliance with the law, yet they persist ...
In XX/XX/2017, agreed to terms with Aldrige Pite Haan regarding my medical debt. Provided payment information and agreed to payment terms for {$830.00}. After the last payment, I called to confirm that everything was paid, they told me that I was in good standings. 8 months later they file an Affidavit of Noncompliance for the Money Judgement. No communication from them from the last payment to 8 months later. No phone calls, no letters that a payment did not go through, 3 months after the judgement, I receive a letter from them with the affidavit.
The account was deleted and has been put back onto my account. As a result, I requested in XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX for Experian to furnish me a copy of the documents they have in their files to validate the disputed account for {$120.00} Date opened onXX/XX/XXXX. The account was a result of identity theft. I requested from the company a copy of the actual payment voucher ( From their banking institution ) and they could not furnish any such document ( s ). I requested once again for Experian to provide me with proof of payment as it states on my credit report and the CB has failed to furnish to date. I have sent 4 letters requesting to permanent delete the and the Experian has not responded to date with correspondence. 

NOTE* I have and still am a customer with the disputed account with no breaks in service for over 9 ( nines ) years.