WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for the Capital One XXXX rewards card with the intention of using this card for its travel benefits. Knowing I would be able to spend the {$3000.00} in the first three months required to obtain a XXXX mile reward, I applied and was accepted. I applied for the card and was accepted the beginning of XXXX 2015, and was given a 7 - 10 day estimate to when my new card would be delivered. It never came, I called it in XXXX XXXX, 2015 when it had not arrived after 14 days and was told they were sorry that the card was actually never shipped to begin with. They promised to expedite ship my card to me then, and that it would be at my address within 3 days time. It was not. I called again, this new representative looked at her system and stated that the card I was supposed to have expedited to me was also not ever in the mail. The previous rep had just taken down notes but never began the process of issuing a card to me. By this time, it is now a week into XXXX 2015. I finally get my card in the mail two weeks into XXXX, and call in to ask what can be done about the fact that I was supposed to have three months to spend {$3000.00}, but I will of had the card for only a month and a half. I was told to use the card as normal and that I would get a call back before the time period was up to discuss it further. XXXX XXXX XXXX XXXX had told me that shw would take care of it, and that I should n't worry. I would be treated fairly. I proceeded to use the card, and called in when my time was running near, this is at end of XXXX. 

The rep that answered says that XXXX is not available but that she would have her give me a call back. She did n't. I call again after another week of no response. Only to have someone tell me that I could possibly get an extention on the time frame needed for the rewards bonus. But that I would need to wait for a response from her as she was supposedly a manager and this particular rep did not have that kidn of authority. I NEVER GET A CALL. I am just told " you should get a call withing 7 -- 10 days from someone to help resolve this issue, we apologize for any inconvenience ''. I wait, and wait. Then wait some more. Nothing - for months. How can one make progress when the customer is the only XXXX showing initiative to reach out to resolve an issue, and the issuer does not even comply to their own statement of giving a simple call back? 

Enough was enough, I called XXXX last time, and was told that there is no record of anyone talking my calls and that they are sorry that there was nothing they can do from then on. I recorded times, dates, and employee numbers during this time. Yes, there is a record of calls made. the contract I signed when I was accepted for the card says THREE MONTHS to spend {$3000.00}, and I was given only HALF the time. Not once, did I ever receive a call that was promised to me. Not even once. 

Also, the automatic payments continues to charge my old bank account to pay off balances, even when I have deleted my old bank and inserted my new bank information. Glitchy webpages have made my old account overdraft by using the wrong source of payment.
i started making payment to XXXX and all of a sudden they switched me to navient in which it seems my loans has increased
I have been trying to cancel my monthly subscription to Experian credit monitoring services. They charge XXXX per month on a reoccurring billing cycle. I have called 5 days in a row and get nothing but music and long hold times. in five days I have spent 7 hours 52 minutes and have never spoken to anyone. Meanwhile, I will just keep getting billed because there is no other way to cancel. 

It 's disappointing that this is allowed to take place but companies at all.
I had a pending balance with the apartment complex that I was renting and it was taken to court, a judgment was given for certain amount. I am willing to pay that amount but the collection agency which owns that debt are trying to collect an amount that almost doubles the judgment given by the court.
This company Transworld Systems Inc continues to call me and my little brother, too. They claim I have a debt, and I have asked them to provide documentation showing the debt. Yet, they continue to call and harass me and my little brother, and even admitted to using an automated dialer.
Never received correspondence from Walmart, synchonity bank? ( Thats what I recently learned it was called ), didnt receive correspondence from XXXX XXXX. I received no notice of anything until all of a sudden I received a letter from XXXX XXXX XXXX asking for payments, I sent in a little here and there, not even two weeks later I receive a letter in the mail that I have a court date in XXXX and am being sued. I called XXXX to straighten it out and figure it out outside of court and made a {$50.00} payment on XX/XX/2017 because they said I had to to avoid going to court. I still have not received any sort of any information on this balance and why its there and where it came from and I dont understand why I had no option to dispute the debt, yet when it was time to send me letters from attorneys to sue, THATS when I began to receive correspondence.
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX  student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; XXXX # XXXX ; Experian # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

Experian ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX  is the only account reporting this information. In addition ; Experian is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XX/XX/XXXX for XXXX because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
My parents have been receiving phone calls on an almost daily basis from ERC, Enhanced Recovery Company. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that XXXX had requested they start a collection process from me. I contacted XXXX only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a XXXX account. They were made aware of this, but somewhere between XXXX and ERC the communication was lost.
My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.
On XX/XX/XXXX XXXX was withdrawn from my account for a pair of shoes I never walked out of XXXX XXXX with. I swiped my card three times and was told the transaction was not completed. A reciept was never printed for the merchandise. I left the store while checking my account and I seen three charges for the the same pair of shoes I had just tried to purchase. I talked to the merchant and was told I would have to file a dispute with my bank. I contacted my bank and was told it takes up to 20 days for new customers. 20 days passed and still no update to the dispute. So I called back and was then told it wouldnt be updated til XX/XX/XXXX which is four months after the fact. I will never open another prepaid card with Netspend theyre a scam! I contacted XXXX XXXX customer service number and a representative was able to locate the transactions saying that all three were declined on their end but somehow the money is still missing from my account.
I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XX/XX/XXXX I notified the agencies to place a fraud notice on my file. This happened again in  XX/XX/XXXX
American Adjustment Bureau sent me a letter claiming I owed a debt to XXXX Hospital. I have not/will not use XXXX nor their affiliates due to past experiences. I spoke with American Adjustment Bureau to find that the supposed debt was my husband 's for an XXXX. XXXX failed to bill his insurance company, XXXX XXXX. I sent all information to American adjustment Bureau 2 months ago and heard nothing back from them. XXXX XXXX sent a letter verifying that they paid this bill and that XXXX had charged the wrong account previously. Again, I received nothing from American adjustment Bureau. I only found that they reported my so-called bad debt when I checked my report because I am trying to rent an apartment so that I can move my XXXX-year-old grandmother in with me so that she can avoid being put into a nursing home. I have paid my debts and I have worked hard to repair my credit. XXXX Hospital does not send out bills to patients, they just send their information to these goons who don't do their job either.
Supposedly there is a debt that I owe XXXX. It has been with a particular collection agency for the past 8+ years I am assuming ( Since i have not had XXXX in 8+ years ). I just now get a notice from a different Collection agency that they have been assigned this debt from the First agency. So they are sharing my information with 3rd parties for debts that are past the statue of limitations as well as I have no business with either Company. This is not only unethical but it is also immoral.
On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. 

I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). 

Thank you for your attention in resolving this ongoing matter. 

XXXX XXXX
I have had a Home Depot Credit Card for three years now. It had a low $ 500limit which I did not mind since I do not frequent Home Depot as there are otheroptions closer. The credit limit was recently increased to {$1500.00} which I did notrequest nor was I notified of. 
I received a letter in XXXX stating that if I do not use the card byXX/XX/XXXX XXXX 2015 they would close my card. Two days after I received the letterthey closed it. I called the same day and spoke to a rep on the phone whosaid they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, XXXX/XXXX/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her manager. 
Another rep today informed me a manager never saw the issue and they wentahead with the closure any way. 
The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning. I have other cards that mylimits have been increased, but Home Depot givesme {$500.00} and says that is too much of a " risk ''. Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling, or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices.
My wife and I have a Macy 's credit card. Today I received, in the mail, a notice that they had automatically enrolled us in credit protection program and would charge for this monthly based upon the outstanding balance. I called them and cancelled as I did not want nor ask for this. The reason I am writing is to complain about Macy 's in the context that it should have been an " opt in '' program not something that they could process to customers in an underhanded way and hope that people missed the notice and they could bill them. It was just lucky I read the notice and could just as easily missed it.
Conn 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to Conn 's. I 've sent Conn 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called XXXX XXXX. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. Conn 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????
Transunion, XXXX and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX/2017 - XXXX XXXX XXXXXXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL onXX/XX/XXXX/17 -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's Transunion , XXXX and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, OnXX/XX/XXXX XXXX, XX/XX/XXXX they ran with 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 XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Equifax did not do their due diligence to protect data and lost over 143 Million social security numbers
CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE XXXX SECURITY BREACH
I bought a vehicle and the Santander Consumer usa is the leasing bank. I had several financial isssues and the vehicle was repoed, i paid XXXX in debt. But the day the vehicle was repoed they cause several damages to the door bumpers and the permanent damaged the battery. Till this day nothing has been done they aledge never recieved the papers but they did. I sent all papers numerous times and my vehicle continue to be damaged.also now the vehicle is facing reposation and nobody has helped me. I want to file a small claims suit but due to my budget i cant. Please help me im a veteran witha family that counts on me to get things done. Please help
I REQUESTED ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS I SEND FRPOM XX/XX/XXXX TO XX/XX/XXXX SENT TO ME.
I had bought a vehicle from Express Credit Auto in XXXX. When we signed the contract, the salesman put a stack of papers in front of me and had me sign one after another without letting me read them. He said it was n't necessary because it was all standard paper work. I asked him if the Vehicle had a cutoff device, he said that they no longer used those devises. In 2014 I went through several months where I was having problems paying. Express credit said that they would put the payments to the end of the contract. Later I was at my brothers house and when I tried to leave the van would not start. I was 3 days late on the payment. when I called them they said I would have to make the payment plus a cutoff fee or they would n't turn on the van. That 's when I found out that the van had a GPS Tracker with a cutoff switch and that they had lied about the cutoff switch. I also found out that they could track every place that I went. They agreed to turn on the van but it would immediately disable if I made another stop. I was forced to go directly to the dealership and make the payment. I consider this a form of soft repo. Later I went and got a ledger of payments from them and on reading the ledger, I found out that they had closed the original contract that I signed and refinanced the vehicle without my knowledge or consent. They also showed on the ledger that they had returned {$6700.00} dollars to me during the refinance. I never received this money or saw a check made to me. They also altered they contract by adding a personal protection insurance on the vehicle in the amount of {$2300.00} without my consent which made my payments go up. I am now in the process of fighting them because they committed fraud by closing out the contract, refinancing, and altering the contract to their benefit. Also by telling me that the vehicle did not have a cutoff device with GPS. I feel that by tracking my vehicle everywhere I went, constitutes an invasion of privacy.
I paid a fee to Bank of America on XXXX XXXX, 2017, to stop payment on a check. I requested the payment be stopped the same day I wrote the check ( which was for {$990.00} ). The check went through and Bank of America has not refunded my money. I have a paper trail from Bank of America verifying the stop payment request. 

The letter from Bank of America admits that we " issued a stop payment order on XXXX XXXX, 2017 for {$990.00} against check number XXXX XXXX XXXX XXXX XXXX. '' ( The quote is taken from the Bank of America letter. ) The letter goes on to say that Bank of America is refunding our {$30.00} stop payment fee " as a courtesy. '' I fail to see the courtesy here. We have the evidence that we paid for a stop payment on check number XXXX. Bank of America admits that we paid it. However, Bank of America allowed that check to go through. 

For me, as an individual customer with Bank of America for 27 years, this is outrageous behavior! I am deeply hurt and disappointed by my bank. The {$990.00} is a lot of money for me. I need that money returned. Surely a huge institution like Bank of America can do right by a customer who has been with them for 27 years. 

The mistake belongs to Bank of America. I place the stop payment order and paid the {$30.00} bank fee to do so within two hours of writing the check. Bank of America did refund our {$30.00} stop payment fee but has refused to refund the {$990.00}.
I owe this company a debt and they have my correct contact information on file, including my direct work extension. Today they contacted a work number that is not listed on my account and disclosed the reason for calling. This put the person answering the phone in a position to be harassed about a debt they do not owe. Calling my job in this manner also constitute personal harassment. I asked the person how they got the number they called and they stated that it was an automatic dial and that they did not dial the number. This should not be possible without some deliberate tactics. My main concern is calling another person who has nothing to do with the debt I owe and harassing them to speak with me.