WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I have a Home Equity Line of Credit ( HELOC ) with Citibank. The account number is XXXX and is in the name of XXXX and XXXX, XXXX, XXXX, Ca XXXX. 
The Credit line is for {$380000.00}. The money is in this HELOC account and when we need to use it we transfer funds from the HELOC to a Citi Gold checking account # XXXX. 
We then are charged interest from the time the funds are transferred to the checking account. These accounts were set up in XX/XX/2016 and we have transferred funds numerous times since then. 
This morning the Citibank web site that we access to make the transfer contained a notice that said. " To avoid a change in your Citigold package increase your combined average monthly balance to at least {$200000.00} '' My wife had an on line chat with the bank and this was confirmed. 
We are now forced to pay interest on a minimum of {$200000.00} of funds we are not using. 
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I had {$10.00} in my account on XX/XX/XXXX. On XX/XX/XXXX my account went negative by {$19.00} & change due to renters ins being taken out. The next day, my account was negative {$24.00}, the renters ins reversed & didnt come out but the {$35.00} overdraft fee charge it my account. I transferred {$250.00} in the acct by Monday XX/XX/XXXX.. waited til today to see if the renters ins would come out again & it never did. I called Bank of the West to get the overdraft fee reversed since my acct never went negative ( outside of them charging me the fee ) after the renters ins reversed, I spoke with XXXX who stated she wasnt able to reverse it since you only get one reversal a year. So, I called the call center, I was transferred to an extremely rude supervisor named XXXX who wasnt the least bit helpful. She refused to listen to my request & just kept repeating the same information that I was going to get charged solely because the renters ins was trying to come out on XX/XX/XXXX. Explained how the branch was going to try to reverse the charge, but couldnt themselves & she just continued to be rude with no compassion whatsoever. I would have eaten the charge had the renters ins actually came out, but it didnt.. no reason to be charged for something that reversed. Completely poor customer service skills.
I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.
I sent a debt Validation to the credit agency " XXXX XXXX   XXXX '' asking to show proof that the debt belong to me. XXXX technically isn't a creditor they are an insurance company so they shouldn't be reporting to the credit bureaus.
Hunter Warfield Collections has called multiple times per day, as well as not told me what the bill was accrued from, the debt collector on XX/XX/18 yelled at me stating my student loan would be harmed from XXXX XXXX. A clear threat was made, I told them once before I can not make payments until I'm done with schooling.
Hi there, I am an international student holding a student " XXXX XXXX XXXX. 

I opened a checking account with US bank in XXXX when there was a promotion. I told them that I am an international student and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XXXX. I received my bonus for opening a checking account, which is {$200.00}. 
However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. 

Then I went back to the branch where I opened my account, twice, the only answer I got there was " We have done nothing wrong ''. They refused to listen anything. Each time, they said they would call me back the next day with a solution, However, I have never heard anything from them. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.SXXXX ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a foreign student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX XXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. 

Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.
XXXX XXXX, opened XX/XX/2017, amount {$420.00}, is being falsely reported.
A XXXX bill was open in my name I currently a XXXX account holder I have no knowledge of the account that was open in my name I am in the process of getting a house so I needed this to be off my credit report so I just paid the debt in full the debt is not mines I would like it to be deleted off from my credit report since I have no knowledge of this account from fraud with out knowing wasnt giving knowledge of this account until today woke up on my credit report
I disputed a collection account that is on my credit report. This agency has no authority to collect on this account as they have not proven that ownership of the original account was transferred to them. I have never agreed to nor are there any legal documents that state I am liable to pay Cascade collections. I never entered into an agreement to pay Cascade collections and they have failed to prove that. Therefore I do not owe a debt to Cascade collections. The credit bureau did not review the authenticity of the attestation.
I dont owe any money to XXXX. I left them months ago with a XXXX  balance. I left at the end of my contract with everything paid off. I keep getting calls constantly and its getting old. Please stop trying to collect something I dont  owe.
I purchased a XXXX XXXX Card in the amount of {$200.00} on XX/XX/XXXX I registered the aforementioned prepaid card in my name on XX/XX/XXXX by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. 

The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I have repeatedly asked, faxed, and e-mailed Carrington Home Mortgage for an itemized list of all late charges since they obtained our mortgage- specifically wanting details of exact charges and why. They have refused to comply other than mailed documents that literally were just numbers on a page. Now Carrington Mortgage is charging a {$5.00} " convenience charge '' to pay our mortgage online. The only way to pay our mortgage without a fee is to enroll in their automated system, which disallows a grace period, and is in essence, other than that exact method of allowing them to take money automatically from my bank is the only way to stop them from otherwise charging me to pay my mortgage on time. This is called " pay for pay '' and in currently illegal in several states. There is currently a class action suit being developed against Carrington and other companies that use this unethical, and often illegal method. Please address with this with them. I will also write to my elected officials and publicly share my experience on various forums and media.
I wished to try XXXX product so I used my master card and charged {$6.00} and received a small jar of anti-wrinkle cream instead of lash cream. There was no contact info on anything. On XXXX/XXXX/16 I received an e-invoice from XXXX stating I owed them {$86.00}. I immediately called Bank of America Mastercard and asked if a charge from XXXX was on my bill, the person said no. I explained the situation and was told I could not stop the charge but once the charge was made I could dispute it. XXXX charged my account twice for a product I did not want. I call the Bank and asked that no charges be put on my account for 3 months and was told by XXXX of Arkansas that he could not block the card and to just dispute the charges. I called back and got XXXX from Virginia who cancelled the cards and sent me a new card. I complained to the Bank and at first they took the charges off but after receiving a letter from XXXX, see attachment who said they have a tracking number for the package the Bank put the charge back in the amount of {$170.00}. Why would I want t pay {$86.00} for product that normally costs {$34.00}, see attachment. XXXX might have a tracking number but I never singed anything and did not get the merchandise. Therefore I can not return it.
I asked Transunion, XXXX, XXXX to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.
On XX/XX/2018 A XXXX contacted me from Diversified Consultants Incorporated. I asked XXXX to hold on a second and allow me to start my recorder. XXXX agreed and then began to reintroduce herself as I had asked of her. I explained to XXXX that I wanted this debt validated and wanted her to send proof of such to the address on file. XXXX continue to try and pressure me to make a payment on an account that I had no proof of me owning. When I proceeded to tell XXXX that I wanted that proof mailed out and nothing more, she said she would just keep calling me back. I do not appreciate being harassed by a company calling me from a private number from whom I have no relations with and who has no permission to call my home. I have not gotten anything in writing alerting me of this debt.
Long story short when I refinanced after the first year to lower my interest rate Wells Fargo never bothered to check the current property taxes. 
The property taxes literally tripled but when Wells Fargo took over the loan they used a year old settlement statement instead of making sure the impound was sufficient to pay the taxes. Even after Wells Fargo paid a supplemental tax bill that was substantial nearly a year ago they never did a Escrow Analysis until XXXX 2016. Which means the impound account went over for nearly a year before they did a new Escrow Analysis. Now Wells Fargo demands that I pay them XXXX sum odd dollars before XXXX XXXX, 2016 or my mortgage payment go from XXXX a month to XXXX a month for a year to pay back the XXXX and the new amount needed to pay the increased property taxes. I like most have my taxes impounded so I do n't get in to this exact situation. So now I 'm having to beg Wells Fargo to modify the loan so I do n't starve to death or loose my home. I 'm XXXX years old and was laid off after 7 years employment due to oil prices. I have a new job but the pay is substantially lower am I 'm devastated at Wells Fargo course of action. I am having to beg them to modify the loan and being treated like I 'm in default! All my payments have been on time so why is this happening when I did every thing I was obligated to do according to the loan docs?
I inherited a house years ago and the banks did not keep up with the paperwork. I did not know anything. Thought the house was free and clear according to probate court. Now I try to get a loan and can not. Have not been able to to find anything on who is servicing this old mortgage so I can get it released. 4 companies so far and no ones has it. I am tired of the run around and mortgage companies being able to do what they want and leaving people helpless. They need to be filing proper information like everyone.
This relates to existing Case No. XXXX against XXXX XXXX XXXX. I want to file a complaint against Citibank Corporation. in XXXX, 2016, my father purchased a chair and he paid for it with his Citibank card. The total purchase was {$1000.00}. When he received the bill from Citibank in XXXX, he wrote a check no. XXXX on our joint XXXX XXXX XXXX account for the full balance. It was put in a Citibank envelope and mailed. In XXXX, Citibank called him and asked him why he had not made his payment. I contacted Citibank and gave them the check number and that it had cleared on XXXX XXXX. I also mailed them a copy of the check. I also contacted XXXX XXXX XXXX and opened up a fraud claim. Citibank rejected the copy of the check because they did not receive the payment. They removed the conditional credit and added late fees and interest. I contacted XXXX XXXX XXXX and received a claim no. XXXX. XXXX XXXX XXXX informed me that the check had been cashed by unknown persons at Citibank Branch No. XXXX/Sequence No. XXXX. They indicated that would contact Citibank. Then I heard nothing for a long time, and continued to try to follow up and finally filed a complaint with the Federal Reserve. I received promptly in XXXX a letter from XXXX XXXX XXXX to forward to Citibank which I did. Citibank just recently sent correspondence to my father indicating that they did not cash the check and would not pay the check. Citibank has now accumulated over {$100.00} in interest on the unpaid balance of {$1000.00} despite the fact that have sent them letters, and XXXX XXXX XXXX has sent them letters. Now my dad owes them {$1100.00}, so I have to pay that balance and close the account, but I need help recovering that check from either Citibank of XXXX XXXX XXXX because they playing against each other. XXXX XXXX XXXX says they ca n't return the funds to the account even though they paid the check. Citibank just wo n't deal with it.
I received a voicemail with a time stamp of XXXX XXXX XXXX, XXXX from Wells Fargo agent requesting I contact her ( XXXX ) at phone number. I did not notice the voicemail until approximately XXXX that evening. The message stated an unrecognizable phone number. After listening to the message a few times, I attempted to log onto my Wells Fargo account website using my XXXX that I use primarily for online activity. I was locked out, so I decided to go to our local WF branch at XXXX XXXX, NC the next morning, Friday, XXXX XXXX ( beginning of XXXX Weekend ). 
I talked with a Customer Service Representative there and explained the voicemail and my problem logging in. I do not remember her name. ( The branch manager, XXXX XXXX should provide that info ). She assisted me in changing my password and I acknowledged that everything looked well by observing my checking and credit card accounts. 
I typically manage my credit card and checking account transfers online as well as personal savings accounts. I routinely use the online option to transfer funds from checking and savings accounts to payoff credit cards. The money market account in question was never accessed routinely. 
The money market in question was started as a safe storage place for money realized from the sale of our primary home in XXXX, NC the previous XXXX XXXX. I had never set up this account for wire transfer and rarely accessed this account between XXXX XXXX thru XXXX XXXX. 
When looking through my accounts on XXXX XXXX in order to accumulate funds to buy property to build a home, I discovered an unauthorized wire transfer had occurred XXXX XXXX for {$9700.00} as well as a {$30.00} wire transfer fee. The transfer was directed to XXXX XXXX XXXX in the name of 'XXXX '. I do not know this individual and have no idea how he or she accessed my account. 
I immediately proceeded to the XXXX XXXX branch and was assisted by XXXX XXXX XXXX to initiate a complaint and start the investigation. 
Since i did not know and report the unauthorized transfer in the allotted time of 30 days, and Wells Fargo insists this was an authorized transfer of my money to an unknown recipient, WF has denied my complaint and closed the case. 
FYI ... .I have been a good customer of Wells Fargo and previously Wachovia Bank since XXXX and have never experienced a problem similar to this. 
My Question ... ... .I can only suppose that the phone call from XXXX XXXX XXXX at XXXX was to verifiy that it was actually I initiating the transfer. Why, when I did not return her call did the transfer go forward without my consent? 
As well, I was informed that the transfer was completed using an Advanced Access Code which was sent to my phone. I have no knowledge of such a call or message. I have received a history report from my Carrier , XXXX XXXX XXXX, and no record of such call exists on that date. 
Still, Wells Fargo Bank , NA considers the case closed and is not pursuing the thief or thieving enterprise who STOLE my money!!!
I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either.
I am writing in relation to Experian XXXX XXXX. It 's an extension of their credit monitoring ( credit tracker ) business that connects consumers with a credit adviser. There are XXXX packages offered to consumers. The first is a free XXXX minute consultation. In the fine print of the Service Contract, however, it says the consultation is actually {$19.00}. I 've attached evidence of both, though it 's easily findable on their website as well. I think this is false and misleading advertising. I tried to register the complaint with the FTC, which deals w/Section XXXX deceptive marketing claims. But the FTC routed me to CFPB. I 'd like this to be cleared up for myself and other consumers. Those that signed up because it was advertised as FREE should not be charged. Thanks.
In the course of obtaining a car loan today, XX/XX/XXXX, my credit union tried to run a credit report from Experian. They failed to get one generated because there is a security freeze put in place as far back as XX/XX/XXXX. I tried to call Experian Customer Service at XXXX several times but all I got was an automated voicemail, saying that I should request to have my credit freeze removed in writing with paperwork to prove my identity and address. 

I need Experian to remove the credit freeze. It can do so by calling me at XXXX XXXX XXXX XXXX.
What 's up with these XXXX banks, forcing us, against our will, to use their flawed, chipped cards? On XXXX XXXX, 2016 I stopped to get some groceries on my way home from work. I bought XXXX dollars worth of food and was told at the check stand my card was refused. On XXXX XXXX I called my bank ( Chase ) and was informed that they de-activated my ATM card, which expires XXXX, and that I HAD to use the chipped card that they sent me. I told them that I never received a new card from them, that I did n't want to use a chipped card, and that short of going into the bank for each and every transaction that I had no access to my money. Their response was that they could direct me to a place where I could go to pick up an expediated card! their card is flawed! I 've seen Chase Customers go up to Chase ATM 's and walk away saying that the ATM was broken. I put my non chipped card in and the ATM worked just fine! Many stores are NOT or only partially set up to use a chipped card. A flawed system should not be foisted upon people who do n't want it. When they came out with a finger print option on your card, it WAS just an option. Now Chase and a few other banks are forcing customers to use a flawed system and I 'm unable to reasonably be able to access my funds! Ca n't Chase and these other banks be told to honor their customers valid ATM debit cards? Is n't there a way that they can be forced to give their customers a choice as to the service they want? XXXX shoe does NOT! fit all! I 've received absolutely no prior notice from Chase and they are denying me proper access to those funds.
Continued phone calls about missed payments before the due date and letters being sent to only one of my co-signers about missing payment for {$67.00}. My co-signer receives this letter almost monthly.
Today I was told when I attempted to make a deposit that Chase had decided to close my account and no longer do business with me. I had written {$7000.00} worth of bills/checks against this account. Today they told me they closed my account on XXXX. No written notification was given and me and they tell me they will not reimburse me for bad check fees and charges that I will incur because of their action. I as you know have been fighting them for XXXX XXXX years over mortgage modifications and the fact that they illegally foreclosed on me in XXXX. No one helps me at Chase. They deny they have done me wrong and it just continues. Now they are do to foreclose on my property after not even posting the foreclosure notice on the house or notifying me in writing. PLEASE HELP!