WillisBack/dataset-financial-user-claim huggingface dataset:
dear sirs. Here 's the problem I 'm on fixed income and retired and have serious health problems  XXXX   XXXX   XXXX   XXXX   XXXX  not too long ago. I had a checking account and savings account they were charging me {$10.00} for taking money from savings to checking per transacti on at one m onth  XXXX  in fees and another month  XXXX  in fees for  XXXX  accounts in the same bank. I have modest income and about und er 2.000 in saving s in the bank. Because my serious health conditions I can not always monitor how much I have in checking savings too avoid overdraft fees. Because of my health problems I have a lot of  XXXX  and always worry about paying my bills. I ca n't pay all my medical expenses. I called customer service at Bank of America to see if they would refund my overdraft fees from savings to checking because my poor health situation. They said NO they do not care about your situation or that you do n't have a lot of money. They are the most heartless people that I have dealt with. All they care about is making as much money off the poor as they can. They are just the worst in humanity its always the bottom line  XXXX  forgives they do n't. I can give you copies of my paperwork from this bank. I do n't like complaining but its always the little guy vs the big banks. I had to close my account and go too another bank too save myself from financial disaster. Please help me. Sincerely  XXXX   XXXX
My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX, XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks, CITIBANK has refused to do so. Instead, they have cited the need to have my father personally enter the branch and fill -- out additional forms that I believe to be exclusive to CITIBANK and wholly unnecessary if not illegal. My Father is away until XXXX XXXX and it is therefore impossible for him to appear. 

Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover, I have been denied access to speak directly to the CITIBANK 'S legal department and have been, instead, directed to speak only to branch officials. 

I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution, in this case XXXX XXXX XXXX, had no issues with power of attorney while CITIBANK continues to put forth obstacles for granting my father 's wishes.
Citizens one sent me a letter in respect of non-payment of the " Property Taxes. '' Not only I do not have a tax dues rather no bill even sent in yet ( according to the city office. ) This can be confirmed by calling to XXXX XXXX XXXX @ XXXX. The person I spoke to in the city office is XXXX. 

The main complaint I have against Citizens one is there non-existent customer service and wasting customer 's valuable time. The contact phone # : XXXX provided in the aforementioned letter never connects to any one in their Real Estate Tax office. It just disconnects after going through all the menu options. It 's to mention that the same complaint in writing was made to Citizens One previously, and I was promised that this problem will be rectified. It appears nothing had been done other than constant harassment of the customer. I can be reached as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX Fac : XXXX E-mail : XXXX
Date back to mid-XX/XX/XXXX this year, my Citibank credit cards were all closed by the company with no reason. 

I have used Citibank for checking account and credit cards for a quite long time ( two years ). During the time, I always paid full for my credit cards balance, never produced problems, and never used it inappropriately. I even didn't ever make a dispute. Citi prestige card was even my favourite card and I brought it out everyday with me. 

I am a US resident alien and applied for card in-branch. I meet all the eligible requirement for the card. During the time I held the cards, I always paid full, rarely did refunds. I even rarely used the benefits for the cards. I used the card with me for everyday purchase. I can even recite the card number as I really used it a lot with online purchases. During the time I held the checking account, I believe I also did very well. The branch is just 2 minutes walk from my office of employment and I always had good time there. I really don't feel I did anything wrong. At least I should have a chance to defense for my self. 

The closure of the accounts with no reason is very disappointing and unacceptable. Moreover, after account closure, I called multiple times ( and also wrote to the executive unit as suggested ) about the reason of the closure of the account. Never got a mail or reply back, which is more disappointing. Moreover, the annual fee charged for both card should be working for a whole year, but during the middle of a membership year, my account was closed by Citibank, but annual fee still not refunded.
My niece defaulted on a student loan of {$9100.00} through XXXX XXXX on which I was a co-signer, that was referred to XXXX XXXX. I have now lost contact with my niece ( she finished XXXX XXXX and XXXX XXXX XXXX ). The loan went to Navient and now they have turned this over to XXXX XXXX agency. The have offered two options : Pay a lesser amount on the loan ( {$4400.00} ) or pay XXXX to take my name off the loan. 

My question is whether this is even legal since XXXX XXXX says only the original loan holder can ask for the co-signers name to be removed? 

I want this to be resolved with least cost to me but that will restore my credit ( otherwise excellent ).
On XX/XX/XXXX I purchased a subscription for the product " XXXX '' via XXXX, XXXX ( Vendor ). When making this initial purchase, I used an employer email address to which I no longer have access. 

On XX/XX/XXXX, XXXX, XXXX charged my credit card for another year of service. As I no longer worked at my employer, I was unable to consent or redact my consent for this charge from XXXX XXXX. 

On XX/XX/XXXX Upon noticing the charge, I contacted XXXX XXXX via phone ; at ( XXXX ) XXXX who advised that though they could not find my account via email address, they could find it via the last four digits of the billed credit card. ( XXXX ). They advised at that time they would issue a refund. 

On XX/XX/XXXX no refund was assigned to the account and as such I began a dispute resolution process with my credit card provider, Discover Bank. The dispute was resolved in my favor on XX/XX/XXXX and a credit issued to my card. 

On XX/XX/XXXX Discover Bank reversed their decision, and abruptly charged my credit card for the initial amount without notice, and without any indication as to why Discover Bank changed its resolution decision even though Discover Bank previously rightly determined this charge clearly falls within their Dispute Resolution guidelines. Worse, the re-posted charge to my account had its post-date retroactively applied making the transaction difficult to track as clearly occuring on XX/XX/XXXX.
In XX/XX/XXXX it came to my attention that my credit card history with Capital One ( a credit card I've had since XX/XX/XXXX ), is not showing on my XXXX Credit Report ( though it IS showing on XXXX and XXXX ). 

I called XXXX and they informed me that they collect all reported information from Capital One and that the problem must be with Capital One. To look into the issue they filed a research inquiry. 

On XX/XX/XXXX, I contacted Capital One to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to XXXX  to make sure that this card is showing up. 

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my XXXX  report, I followed up with Capital One. They once again assured me that they are reporting it, that it must be a problem with XXXX, and they once again promised to file a request. I then followed up with XXXX, and they too assured me that everything that Capital One reports they include, and so the problem must be with Capital One. They too attempted to assuage me by initiating a research request. 

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my XXXX  credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit. 

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.
This illegal communication occurred toda y (    XXXX   XXXX    2017 ) . Other than the date, this complaint is identical to : Complaint number :  XXXX  submitted to CFPB :  XX/XX/2017    -- -- -- -- -- -- -- - Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offi ce. Press 1 now  to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates  ( http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.
I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX XXXX Experian will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
1 ) I needed a private loan while attending XXXX University ( now closed ) in XX/XX/2002. The private loan amount was for {$10000.00} through XXXX XXXX, now known as NAVIENT. My loan amount has NEVER decreased at all, ever. It has increased or stayed the same for the past XXXX years. 
2 ) My payment initially was affordable at {$65.00} a month, and overnight doubled to {$130.00} a month. After explaining it was not affordable for me, they told me I had no other options. 
3 ) I have always made my monthly payments, but when I have called throughout the years to better understand why my balance never decreases or why I am never eligible for a lower payment, I am told every excuse there is. I have also experienced very rude customer service on many occasions.
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud
Inquiries not mine.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.
I started the application for a mortgage with Bank of America since XXXX XXXX of this year. I was promised a closing date of XXXX/XXXX/16. The date got delayed to XXXX then now XXXX. They have tactically requested repeated financial information from me to justify the delay and as of this morning ( 2 days before the third closing date ), they want me to call a third party agency to do a credit supplement check on credit cards that I have already supplied statements and written letters for. If the loan does not come through, I loose my earnest money and other costs associated with buying this house. I have filed several complaints with the bank but was ignored. My loan officer said he is sick and never called back. I can not get anyone to respond. This is just a night mare and no one should have this experience. I have all of the email history to prove their incompetence.
I started a refinance process with Lakeview Loan Servicing on XXXX/XXXX/15. Since starting this process, it has been an absolute nightmare. It started with me constantly requested a copy a of appraisal and not receiving if for 6 weeks .... until I filed my first complain with the CFPB. When I filed my first complain XX/XX/XXXX, the company finally started to work on my loan application and things began moving along. The loan finally moved to underwriting where I was told I would have to bring almost {$900.00} to closing. Mind you, I have an email from XXXX/XXXX/15 that states the only out of pocket costs I would incur was the appraisal fee, which I had already paid. So not they want another {$900.00}. I told them I felt misled. They then stated I needed to have a condo questionnaire completed .... another {$200.00}, what happened to that {$410.00} that was supposed to be my only out of pocket expense? Fine, I had everything completed and moved ahead, I was told they had everything they needed. I had n't heard from them in awhile so I send an email yesterday to check up on things. I received an email back stating the loan was held up in underwriting due to a litigation with the HOA. They never told me about this ... I only found out because I emailed them. Coincidentally I received an email yesterday from my HOA manager stating she had sent several emails to my loan processor and provider him with her personal cell phone number because he asked her for some documentation and the loan processor never responded. The HOA manager is neighbor/friend who is going out of her way to do something extra for me and the loan processor did n't even have the decency to respond to her. This constant lack of communication is unacceptable. Being put on the back burner time and time again is unacceptable. Being told I will only have to pay the appraisal fee as my out of pocket expense and then being told 2 months later that I need pay another {$900.00} in closing fees and {$200.00} for a condo questionnaire is highly misleading. I would not have even started the refinance process had I known that all of this was a possibility. I even told the loan originator that on the phone when I called regarding their refinance offer. I told him up front that I did not have extra cash to bring to closing and that last year I went through the process with another bank where I was told my appraisal was my only out of pocket expense and then they wanted {$2000.00} in closing costs. I was very explicit when I said I did not want to waste anyone 's time if that was a possibility this time around. But here we are, over 2 months later and they are backing out of their word. And yes, I have the email where this is guaranteed. I am tired of this process. I am tired of fighting with this bank. I am tired of having to check up on them like they are children to make sure they are doing their jobs correctly. I have my own job to do, I ca n't do their jobs as well as mine.
Can not receive free credit report online from Experian through XXXX. For at least two years, anytime I try I get this message : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. '' I do not have any trouble getting the free credit report from XXXX or XXXX.
I moved into a new home on XX/XX/XXXX. My first payment was due XX/XX/XXXX through XXXX XXXX home mortgage which I paid. XXXX XXXX sold the mortgage to Provident Funding thereafter. I have a 60 day grace period to make my first payment to Provident so technically it was not due until XXXX. I made a payment to Provident on XX/XX/XXXX anyway and then created online autopayments on XX/XX/XXXX. My understanding is that the autopayment would be for the next month since I had already paid for the month of XXXX. Provident Funding debited my checking account twice on XX/XX/XXXX. I asked for the second payment to be refunded and they told me they could not do this without seeing the balance in my checking account. I don't feel that this is relevant information, Provident should not need access my checking account details to refund money that should not have been debited for another month.
Experien failed to investigate. Had they did a proper investigation they would have realized XXXX XXXX XXXX had broken multiple laws. Instead they chose a short cut three times and updated what public records has stated. This is not a joke, it 's my life, my way of living, providing for my daughter 's and I expect to be treated fairly. Third dispute and they update a foreclosure. These workers are not doing full investigations, they need to understand steps and procedures to follow when a creditor, lender breaks the law. I like to know I would be protected, instead i feel im being treated unfair and onesided.
I received a call from a ladys starting she is a attorney representing XXXX XXXX, and that she is needing my Checking/Routing numbers saying that she needs to take money from a checking account. She then started I could continue to make my agree 'd payments of {$50.00} for 3 more months, and that I would have to pay {$100.00} payments after that. She then threatened to take my license, or have it suspended if I did not start making {$100.00} payments. 

They are using illegal practices for collection as started in the Fair Debt Collection Practices Act
I disputed an interest charge on XXXX XXXX, 2016 and as of the writing of this complaint I have yet to receive a response, I thought TILA required a response within 30 days. The interest charged was about {$150.00}. I filed a dispute, which was resolved but Bank of America still charged me interest, a violation of TILA
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX ( Closed ) I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
A target in-store cashier convinced me to open a Target Credit Card when I already had one open as of 2015, and the cashier told me I did n't have one opened in the past. Now it 's on my credit report and now I have XXXX Target Credit Card 's when I 'm not even using the XXXX. I called Target customer service who said that he would close my new card that the cashier opened for me recently and that he would close the card after transferring the owed balance to the old card. That does n't resolve the issue because that 's now on my credit report for a unauthorized credit pull as I was lied to about not having a red card opened in the past when I clearly did.
XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.
I had XXXX at a residence that i moved from and tried to switch it to a new residence. XXXX switched it to the wrong address. We lived at XXXX XXXX XXXX they switched it to XXXX XXXX XXXX XXXX XXXX , in 2015. We paid XXXX there as a part of our rent tot he owner. I never received a phone call, an email or any communications from XXXX that i was being double billed. I recently was alerted by the credit bureaus that a collection account was added to my record from I.C. sytems. I researched and informed them and XXXX that i was not responsible for that bill as i never lived at that address and i never received those services. They are still reporting and trying to collect on that bill.
I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit reports this year, I found that BAC has given me a negative rating starting XXXX. It started with a N/R rating, then on XXXX it went to an X for unknown. They also stated that this account was closed XXXX/XXXX/XXXX as well as discharged in the bankruptcy of XXXX. Again, IT WAS NOT INCLUDED! I have all my statements from BAC, my bank, and even an escrow account review that begins XXXX and ends XXXX, showing that I have paid every month. The previous credit report that I received in XXXX stated from BAC, that I paid as agreed, was current and never late. And nothing has changed on my end. I have tried to rectify this with BAC and the credit bureaus, but to no avail. However, since I disputed their rating, BAC has retaliated against me by transferring my account to XXXX Mortgage, XXXX, which I have since found out to be a collection agency. And I have read nothing but horror stories about this agency. There was no reason for the adverse credit reports in the first place and certainly no reason to transfer my account to collection agency, since I am current and always on time with my payments. This is a malicious and unconscionable act on the part of BAC. Nor will BAC even speak to me concerning this or the credit reports. I had no idea that there was even a problem with BAC until I saw my credit reports and I do n't understand why they just changed everything, out the blue, when nothing had changed with my payments. I suspect, since their XXXX statements started mentioning the bankruptcy in bold print and that they could foreclose if I default in my agreement ; that by making fraudulent claims, they are trying to set me up for foreclosure. Why they ca n't just do the right and just thing for consumers, is beyond me. It is as if they have a department that does nothing more than figure out ways to steal, disrupt the lives of and just plain defraud their customers. All they had to do was just report the correct information on my credit reports. I ca n't even refinance my home because of the adverse credit reports by BAC.
The company responded to my claim. The credit card company 's response does not satisfy my request. I did not authorize a credit card transfer, and should not be responsible for any fees associated with the transfer, including the compounded interest. I would like the Consumer Financial Protection Bureau to retrieve the recorded conversations. The recorded information confirms I did not authorize a transfer.