WillisBack/dataset-financial-user-claim huggingface dataset:
Citi Bank to dispute a charge for a purchase of XXXX and insurance to cover my purchase XXXXXXXX {$2400.00} Insurance {$190.00} In XX/XX/XXXX I bought from XXXX XXXX XXXX fro {$2400.00} and insurance to protect my XXXX XXXX For {$190.00} I never receive my purchase, due to multiple no show I cancelled my purchase with XXXX manager and supervisor. They told me that {$190.00}. Will be put back on my card right away and {$2400.00} in 10 business day. Both manager and supervisor told me that they understand why I am cancelling. XXXX were back on my card. But the price for the XXXXXXXX OF {$2400.00} Never was returned. I called my credit card company and they said that they will file dispute. In XXXX {$190.00} and {$2400.00} was recharge back to my card. Which brought me over limit of my credit and dropped down my fiscal score, and brought me burden. I am still not having my refund from XXXX.Citi XXXX card is customer service is been difficult and uncooperative to have my money back from XXXX. They charge the balance back on my care with any notice. They claim that they sent me a letter and email that I never received. They stated that I have send them back the letter. He toke me all day and call to multiple supervisors rude and polite such : ON XX/XX/XXXX XXXX ID : XXXX AND her supervisor very rude XXXX XXXX. Called later that day XXXX XXXX. XXXX finally helped but he transfer me to XXXX XXXX. She stated that she can't help and transfer me dispute department manager XXXX in XXXX   wasn't available but did called me back. found that none of their letter wasn't get to me. XXXX helped to have the letter that I File and faxed same dayXX/XX/XXXX. On XX/XX/XXXX I received an email requesting the letter I faxed it again and email it. on XX/XX/XXXX I recieved another email requesting same letter that I faxed again and email it. Today I receive another request. 

Citi Bank kept telling me that they didnt receive the form I sent back by emails 6 times and fax 4 times until I contacted XXXX and provided the proof all my emails and faxes. 

Today XX/XX/XXXXI called to follow up on my dispute and XXXX in XXXX ID XXXX Stated that because they didnt received the form before XXXX XXXX. They no longer can dispute the charges.
On XXXX XXXX XXXX I withdrew using XXXX the amount XXXX to my XXXX account ( # XXXX XXXX XXXX NWBK XXXX XXXX XXXX XXXX ). XXXX convert this to XXXX XXXX XXXX XXXX. I had an email saying the funds would be available XXXX XXXX XXXX. XXXX XXXX after the funds did not arrive I raised a support request through their website Support XXXX # XXXX. On XXXX XXXX I received a reply saying " Thank you for contacting us about this. 
We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 
Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' XXXX XXXX I received " Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 
Thank you for your continued patience, and sorry for any inconvenience caused. '' Since then I 've received nothing on this ticket and they will not reply to requests for updates of where my money is or when it will be returned. I 've tried twitter and the BBB and the replies I 've had via BBB have just stated there is an issue and nothing else. 

I can see that many more people are having the same issue and although the status on their website says there are no issues obviously lots of people are suffering from this company.
We have had our mortgage with Freedom Mortgage since XX/XX/2007. Sometime early on they began using a service company called XXXX. We did not send any payments to them as we did not understand what this is all about. Each and every single, on time payment has been made to Freedom Mortgage also indicated for what month and year the payment was made. They then advised us they took it back from the service company and gave the mortgage loan a different number. We have continued and have always made the mortgage payments on time and accurate. However, on a consistent basis they continue to send us a huge balance stating the payment was not received or is late. And then finally after speaking to several agents, a revelation came to me. This agent had said that the Loan service company is getting the payments and depositing them into their account that is XXXX as Freedom Mortgage uses XXXX. That it will take a long time to straighten out. The mistake is on their part and not on ours however they continue to hurt and report negative to the XXXX credit bureaus not allowing us to refinance with a different bank or mortgage company at a far lesser interest rate : That is why it is not important to them as with Freedom Mortgage we are at a 6.75 % interest rate. Oh if only you knew how exhausting this was. We have seen a lawyer, we have sent several letters to Consumer Financial Protection Bureau, XXXX and the Federal Trade Commission. Please, Please I am begging, pleading, praying and believing you can help us.
I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification
XXXX XXXX XXXX XXXX is not allocating my payments correctly. 
They refuse to send statements showing payments I made on account. 

I called and their excuse is due to high interest loan I was charged. 

I received a statement on XX/XX/2019. Not listing my payments.
I KEEP RECEIVING PHONE CALLS FRON NORTHEAST RECEIVABLES MANAGEMENT LLC. I NEVER RECEIVED ANYTHING IN THE MAIL OR ANY PAPERWORK VALIDATINHG THIS DEBT. THEY ARE CALLING MY JOB AND MY RELATIVES TELLING THEM I OWE THEM MONEY. TO BE HONEST IM NOT EVEN SURE WHAT THIS IS FOR. I HAVE MAILED A CEASE AND DESIST LETTER TO THEM AT XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX
I was contacted by Cordoza & Wexler Recovery Services on XX/XX/XXXX. They left a voicemail for my husband and me stating that they had a case under maiden name ( XXXX XXXX ) and SSN and needed to contact me in order to recoup money owed to a creditor, or the case would go to court. I called them back at XXXX. At the time they did not provide me with much information, other than a payday loan originating in XXXX that went unpaid in XXXX was now needing to be paid or go to court. I did not take out such a loan. I called them back on XX/XX/XXXX for more information and they sent me an email with the information stating that XXXX XXXX XXXX was the payday loan provider. They also provided me with an old XXXX checking account number, which has been one of my accounts. I called XXXX XXXX XXXX, and XXXX XXXX, both pay day loan providers they listed and they both confirmed that I do not and never had pay day loans with them and they confirmed that they did not turnover to Cordoza & Wexler for recovery services. I last spoke with a XXXX at Cordoza and she said that I could settle for {$190.00} before they sent over to court. The voicemail received on XXXX was from XXXX XXXX XXXX. The email I received with the " proof '' of the debt came from XXXX XXXX at XXXX.
I filed complaint with CFPD XX/XX/2018, # XXXX. The company Capital Accounts LLC responded XX/XX/2018 stating the same exact word for word response as they do to credit bureaus. I was advised by all three major credit bureaus to send the exact documentation to your organization and CFPD would have it removed because I do not owe this debt. After the company Capital Accounts LLC responded, my case was immediately closed within 5 minutes. This is not an investigation. I request a full investigation.

I called CFPB immediately and was told that my attached documents ( which all was in 1 attachment ) had not been reviewed and to submit a new complaint and she was flagging my first complaint to be further investigated. I was told by the representative that this complaint should have resulted in the negative trade line should be removed from my credit file as it is direct, black and white proof that this debt is not owed. I will attach the documents ( in one attachment ) again. I ask for each one to be reviewed. I request the negative trade line to be deleted permanently.

Capital Accounts claims I owe {$120.00}, as stated in their letter to me, however in their response they claim I owe {$100.00}. 
-Texas Consumer Protection Statutes : 808. Unfair practices, 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Capital Accounts has committed a violation.

Capital Accounts LLC also blatantly lied regarding their statement that when a copy shares medical records to a debt buyer, that that is not a HIPPA violation, when in fact it is. No debt buyer or collection agency should be given medical records when a debt is purchased. Especially when the debt is not owed. All medical providers require their HIPPA form to be signed before an appointment. I did not give consent to Capital Accounts LLC to have access to my child 's medical records. Nor did I give consent to XXXX XXXX XXXX to share mine or my child 's medical records. Both companies have committed a federal law. Capital Accounts LLC states that XXXX " opined a medical provider does not violate HIPPA when it shares medical information with a hired debt buyer ''. This statement is 100 % false. XXXX has just informed me that it is a violation as well. The patient 's rights have been violated. A debt buyer should not have the medical records. This is a violation on numerous federal laws. 

I request further investigation into this false claim that this debt is owed. I request that each document I have provided in my ( 1 ) one attachment be reviewed. I request the debt to be removed from my credit files. I also request that Capital Accounts LLC be held accountable for their deceptive trade practices and credit reporting. 

Thank you for your time and assistance.
i have disputed a bankruptcy with experian credit bureau and for the months of  XXXX  and  XXXX   2017  they never disputed my complaint. I have sent them a certified letter which was signed for on  XXXX   XXXX ,2017. I also contacted the clerk of court in  XXXX   XXXX  and told me this belonged to a   XXXX    XXXX  whom i do not know. They are listing inaccurate information on my credit report
On XXXX XXXX, XXXX I submitted a complaint to CFPB in reference to a loan with Bank of America N.A . ( BANA ) case # XXXX. In their final response to me they referred me to the XXXX case no. XXXX XXXX and told me to contact the class administrator or their web site. I tried the web site and it was closed. I contacted the class administrator and they told me the case was closed and I would have to contact the bank for everything. I did learn that BANA had told the court in this case that BANA had deliberately quit sending Form XXXX from XXXX on, but that they would hence forth provide the Form XXXX when legally required to do so. Their was also a CFPB Bulletin issued in XXXX that restates the mortgagor 's responsiblities. I am asking BANA for the corrected copies of the XXXX Form XXXX that is owed to me. I was never provided with either a copy of the Notice or Claim Form that was supposed to be provided for me in the above mentioned case. Becasue I need the form to do an amended return of my taxes it is essential that the bank provide me with this form. Also BANA provided me with a Form XXXX that was incorrect in XXXX. BANA included deferred interest, that had never been reported to me as interest or to the IRS as income, in the princiapl amount of the loan in box XXXX of the form XXXX. Virginia foreclosure law requires the mortgagor to return any money over the principal amount if the value of the property is more than the foreclosed principal amount. BANA did not do this in adddition to adding the interest to the principal illegally. During XXXX I received three letters from the CEO 's office of BANA stating in violation of their agreement with the court and violating the CFPB Bulletin rules, that deferred interest is principal and does not have to be reported as interest. BANA provided corrected Form XXXX for mortgagees that were still being serviced be BANA but not for mortgagees that had been foreclosed on or the loans that had been sold or transferred to other banks or XXXX and XXXX.
Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through XXXX XXXX XXXX XXXX. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to XXXX XXXX XXXX XXXX after the open date of XX/XX/2018
I have a company that is free to help me get guidance in talking or helping me with this problem and they wrote the letter to you to reopen my case. Since my other half XXXX   it's been very hard to keep things straight and keep my head above water and they have already taken my car once and I can't have thast happen because of the 15 doctors I have to see each month and XXXX I have to work with all the time. I have XXXX XXXX to take and I'm suppose to have a person staying with me 5 hours a day and taking me to my appointments with my car not theirs but this is just another way for them to take it again. It costs almost {$1500.00} to get it back and that means I have to use my rent money and my other money to keep it. 

I don't know if the company that is helping for free sent you any of the copies of the letters they have been writing me for the last couple of months, but I did ask the man to do that along with sending the information you needed again to open up my complaint again. Please help me with this ... .I 'm so stressed out right now and the doctors are all angry with me because I want a job and they won't let me wo rk. I'm going to be XXXX and I'm so XXXX and I'm XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want my car and the title in my possession and not have to worry about them taking it. It's terrible when the other half of your income is gone in a n instant and you don't know what to do next!!!!!! PLEASE HELP ... .I KNOW THEY THINK THEY CAN GET A WAY WITH THIS AND THEY'RE TREATING ME LIKE A JOKE.
I decided to consolidate my bills due to financial situations I could not control.  I contacted XXXX XXXX XXXX to see what options I had in this matter and decided to go with the company.  I was informed no to have contact with my credit card companies because they would be taking over from that point.  I have been receiving seven to eight calls a day but the once I received a call on my job I felt this has gone too far.  The number that showed up was an XXXX number and a recorded message said, Please hold the line while I connect you I waited and the person on the other end said is XXXX XXXX and I said it is pronounced XXXX.   He went on to say he was from Synchrony Bank and asked about a payment, I told the man that I had consolidated my bills and during this time, I had customers and co-workers within a foot from my desk.  I tried to whisper because I did not want everyone to know my business but it keep replying, what did you say as if he could not hear me.  I told him that I have told you once and provided the number.  He told me that he was not calling and informed me of a payment that was do and again I gave him the same information and told him he cant hear because his phone keeps clicking.  I started to get upset and my tone was beginning to change so I hung up.   When I got off the phone, I was embarrassed.   While I was sending this complaint, I received another call.  I NEED my job!

Contacted my job dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Contacted my cell: XX/XX/XXXX , XX/XX/XXXX (6x)   XX/XX/XXXX (9x)  XX/XX/XXXX (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX (6x)  XX/XX/XXXX (8x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (10x) XX/XX/XXXX  (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (4x)   XX/XX/XXXX  (1x) so far
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : CashNetUSA. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt. 
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.
I noticed in XX/XX/2019 that my credit limit was reduced from XXXX to XXXX. There is no reason why. If you check my history with the company I have never been late. On my credit report I don't have any late payments to any creditors. So I am wondering why an adverse action was taken. I have never had a high balance with them never missed a payment etc ....
My name is XXXX XXXX and I am contacting you regarding account CBNA Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
I received a credit card offer from CapitalOne for the XXXX card. While there was no reference to " prescreen '' or " prequalification '' the mailing states that the " card is for people with excellent credit '' and provides a website " XXXX '' where I can apply with a seemingly indiviualized reservation number and access code. There was no opt-out notice included in the mailing. Additionally, when I called the number, I pressed the option to opt-out of future communication and the line died after several seconds.
I am disputing the collection account XXXX and account number XXXX which they show as being opened XXXX/XXXX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXXin the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
I was receiving offers from Amex ( physical snail mail and tons of email offers ) to sign up for a pay over time feature on my card, and receive XXXX membership rewards points. I signed up around the end of XXXX, and received my confirmation email that I was enrolled on XX/XX/XXXX. In the offer, it said the points would be deposited within 8 to 12 weeks. I web chatted with Amex 3 times, when it seemed the points were taking a while to arrive. Once was either 5 or 6 weeks ago, the other time was 3 or 4 weeks ago, and the other time was today. The first chat, they said they would escalate the issue to be investigated. The second time, the associate said they could see the previous chat history and that the issue had been escalated to investigation, but there was no outcome yet. 

Today I got on to do the web chat and was told that the investigation was concluded and that it was denied because there was no such offer on my account. I was never notified of the outcome of this investigation till I asked by myself, today. I received physical advertisements in the mail for this offer, and still have the emails in my inbox. Why I am being told there is no such offer on my account is unclear to me.
BoA opened a credit card in my name to a party in Washington State ( I reside in Michigan ) Shortly after opening this account, I received calls to my personal cell phone from BoA about fraudulent activities on this unauthorized account. I received " welcome to BoA '' letters at my home in Michigan. It seems obvious to me that BoA knew full well they were opening an account and issuing a credit card fraudulently. If BoA ( with whom I 've never done business ) had access to both my cell phone # and my home address, it seems only reasonable to assume somebody there knew this was n't proper. I have suffered no financial loss, but has required a lot of my time to contact credit bureaus to clear my name from this mess.
Experian Reply XX/XX/19 Complaint ID XXXX has not justified to why XXXX XXXX XXXX was removed. I did not request it be removed. Experian reply has stated or justified the removal of XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Report # XXXX for XX/XX/19 shows XXXX XXXX XXXX Also there was no request by me to remove it. I paid the account on time. The account was paid off and closed and should show that. I also have last year print outs as the loan for XXXX XXXX XXXX. 
I want to no why the account was removed I did not request no removal nor can Experian show any letter or request with my signature or any other form of documents requesting the removal o ( XXXX XXXX XXXX XXXX )