WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in response to complaint XXXX : Citibank refused my payments which is not legal and has un-closed an account in an attempt to validate their erroneous reporting of my account being late as I have never made a late payment to the account. The representative did not accidentally take a payment from me, she informed me my ability to make a payment online was blocked as I was in a chapter XXXX but I could make my payment by phone to her. Now they wish to pretend they did not willfully violate the Chapter XXXX they thought I was in by accepting payments and would rather un-close the account to show it as being paid late when it was not. I am returning the checks to Citibank along with the attachments below showing the Trustee Motion to Dismiss and my response as I am pursuing action for the fraud. If Citibank shows late payments on my account after reversing an account paid in-full I will proceed with legal remedy as the only reason they are doing this is because CFPB was asked to make them correct the erroneous reporting and they would rather willfully damage my credit then to simply correct the erroneous reporting and close the account. Please note the Trustee 's letter says " PETITION '', not " CHAPTER XXXX PLAN '', as Citibank was told I never affirmed a " VOLUNTARY PLAN '' and they were never submitted to the court as part of a plan. 


Thank you,
On XXXX XXXX, 2017 I made an online purchase for a pair of sunglasses. The company, XXXX XXXX sent me an email stating they were out of stock and would I like to wait or cancel the order. I immediately sent them an email back stating I wanted to cancel the order. I heard nothing back. I sent numerous follow up emails, attempted to call them several times and got nothing but a recording and no ability to leave a voicemail. This company had charged my credit card and I wanted them to credit my Citi Mastercard for the amount they charged which was {$140.00}. 
Since I had heard nothing back from them and the charge was still on my credit card, I put in a dispute with Citi Mastercard. I sent Citi a paper trail of the emails I sent to this company requesting they cancel my order and credit my account. I waited over a month for an update from them. They then advised me they were closing the dispute in favor of the merchant because I did not have a cancellation number from the merchant. 
This is an unjust decision because the merchant was negligent in responding with a cancellation number, never sent the sunglasses and I have no control over any of those items. I did everything I possibly could to resolve the situation. I believe Citi Mastercard should have done more to protect my rights as a consumer. I called Citi numerous times, spoke to supervisors and they still advised there was nothing they could do to help. They told me that is Mastercard rules and regulations.
Wilson Riley and Associates keeps contacting me illegally. They are trying to reach someone else. They have left me intimidating phone voicemail messages with a case #. I 've told them repeatedly they have the wrong person and they refuse to stop harassing me. I am reporting them every place I can find!
National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.
Coinbase requires that I use a webcam to validate my account. I do n't own a webcam and the solutions they offered are inadequate.
Called old family members threatened them and advising they XXXX to pay XXXX XXXX 's debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail
In XX/XX/XXXX, National Bank of Arizona ( NBA ) sought a banking relationship with us by providing 2 money market and 2 checking accounts with the promise of " no fees. '' We moved our relationship that was on a no fee basis to NBA based on their representations ( XXXX XXXX XXXX, Sen VP and XXXX XXXX, President ). The NBA account on-line forms consistently stated no fees if a balance of {$5000.00} was maintained. At all relevant times, sufficient balances were retained. At first, NBA did not charge fees. Years later, the fees would appear on statements. We called and there were reversed. It happened with additional frequency, and we called ( XXXX XXXX XXXX or XXXX XXXX ) on each occasion resulting in a reversal. The fees were hidden with descriptions of " Business Analysis Fees '' or some other veniculer. When questioned, NBA would state that the fees were for not going paperless. We informed them this was a no fee set of accounts, agreed to go paperless and the fees were reversed. Months later they came back without notice or explanation. We called and were informed that they were reversed. With the preparation of the tax return for XX/XX/XXXX, it came to our attention that the fees were not reversed amounting approximately {$900.00} per account taken from our accounts. The precise amount is difficult to determine because NBA will not provide the information even though we have requested it on 4 separate occasions. On XX/XX/XXXX, XXXX XXXX ( NBA Branch Manager ) informed us that they had been taking monies out of our accounts since sometime in XX/XX/XXXX. No notice of a change in policy was sent and XXXX XXXX stated that NBA changed its policy because they felt that after 7 years of no fees, NBA needed to make money. We were not provided with choices to close the accounts and avoid fees, were not provided with notice of any changes in policy, did not authorize NBA to take fees from our accounts and feel as though we as well as others have been victimized by the NBA XXXX similar to the XXXX XXXX fraud recently coming to light.
I have a two Chase Accounts. One the payment is due on or before the XXXX of the month and is paid by me on the XXXX of each month and there is no problem. However the other Chace account is due on the the XXXX of each month. I pay this one on the XXXX of each month as well ( early ) The Chace account that is due on the XXXX charge a late fee if you pay early. Most credit cards if you call them and let them know that you were not late and it is in the companies error, they will credit your account the late fee as you are on the phone talking. Chase does not do this. Chase wants your late fee first and then credit you later. I believe this is totally wrong as a consumer and it is penalizing the consumer that pays early or on time. This has happened twice so far the most recent today on XXXX XXXX, 2017. the last one was XXXX XXXX 2017 I believe. We have talked to a representative and they will not credit the late fee of XXXX. I would like this looked into for others that are having the same problem, Sincerely, XXXX and XXXX XXXX
My mortgage loan was transferred to Selene Finance company from XXXX XXXX XXXX as of XXXX/XXXX/16. My payment history was sent to Selene Finance with my payment history showing I was current as of the day of the transfer. I received my first statement from XXXX stating that I was XXXX plus days delinquent on my mortgage. I have contacted XXXX requesting them to send a copy of my payment history to Selene and myself. XXXX acknowledged that they have sent Selene a copy of my payment history as I have done so myself. I have spoken to Selene and they say they have no record of my payment history. On XXXX XXXX 2016, I mailed a certified letter to Selene Finance complaint department a copy of my proof of payment proving that I am not delinquent and to correct my payment history, remove interest that has accrued as well as report it to the credit bureau to have the delinquencies removed from all three credit bureaus. Selene Finance has sent me a letter stating they have received my certified letter and that by law they have 30 days to respond and are investigating the matter. I have researched Selene Finance on the internet and I have discovered that Selene Finance has a negative history especially claiming that they have not received payments from clients in order to force the clients into foreclosure. Fortunately I do have bank records proving that payments have and all being paid. I do no plan to become another victim of the scams being done by Selene Finance. The XXXX currently gives Selene Finance a rating of " XXXX '' and for good reason. I am requesting that Selene correct my payment statement and to notify all XXXX credit bureaus to have this remove from my credit record as I have mentioned above.
This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.
XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they Transunion and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over XXXX. XXXX states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over XXXX and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Amshire Collections is attempting to collect a fabricated amount even though I have made due effort to make them aware of that. In XXXX 2012 I contacted XXXX XXXX to cancel my account because I thought their services were outrageously overpriced. The account representative said she would apply a " loyalty '' credit to my account, thus locking me in a XXXX month contract without consent. Upon canceling my account I was notified that I would need to pay a {$170.00} contract termination fee for a contract that I never entered. Amshire Collections has failed to provide me with any proof that XXXX XXXX had any sort of a contract with me to validate this fee or an itemized statement breaking down the charges that I owe.
There seems to be a duplicate account on my credit report from Comenity Bank/Victoria Secret. I have one account with Victoria 's Secret and I am trying to understand why my credit report shows two accounts with Comenity Bank instead of one.
Thank you for taking time to review my issue. 

I purchased XXXX tickets for an XXXX WEEKEND EVENT EACH WERE {$590.00} before taxes. Included in the cost were XXXX gift bags valued at {$400.00} each ( XXXX for each ticket ). At the event they ran out of gift bags and I was told to email the merchant to have them mailed. 
As instructed, I did as such and to date have not received any gift bags. 
The merchant emailed me back to say they would send it, but never did, and stopped returning my emails ( please see attached document ) NEXT, I took action through my bank and filed a dispute with Chase. 
I had to reopen the dispute several times. The last decision for my request for {$800.00} back of the approx {$1200.00} I paid was denied. I was told the bank " could not get the funds back, and they agreed that this charge was valid. This is fraud, and the merchant did not do as promised.
I have disputed account listed below that does not belong to me and XXXX, XXXX and TransUnion XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX., opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, reporting XXXX XXXX  XXXX XXXX., opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX
Was immediately contact by 3rd party agency last week on acct, advised on first call I want to work out arraignments and advised will not be on credit as long as arraignments are worked and and kept and not even one week later it is reporting on my credit as derogatory. This is misleading and unfair, do not tell me I can avoid having the derogatory when I am clearing working on a resolution then go an report the derogatory anyway. Unfair and unethical I am furious
Starting yesterday, XX/XX/XXXX, I received a call from ( XXXX ) XXXX. I did n't answer it, but looked up the number. It came from XXXX XXXX XXXX, who are notorious for attending to collect on " zombie debt '' that has been sold to them and was written off many years ago. I received another call this morning, XX/XX/XXXX,  and again did not answer it. This relates to a small ( less than {$200.00} ) debt that I disputed at the time, refused to pay, and was long ago written off by the company. 

Please inform XXXX that they are legally not allowed to harass me about this matter. I will be sending them a certified letter with return receipt stating the same thing. Any assistance you can provide would be greatly appreciated.
Previously by mail and through dispute with all three credit bureaus in XX/XX/2018 via notification with the Identity theft affidavit, police report and verifying information Hunter Warfield, INC was notified of this fraudulent account and has continued to collect and report a debt that is not mine and refuses to remove and stop collections tactics of the debt that was obtained illegally by Identity Theft. One tactic that has been repeated is when they did remove the account in XXXX they reinserted it in XXXX with a different amount and different opening date which still remains on my credit report as of today XX/XX/2018. 

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XXXX and XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect even though I'm a victim of Identity Theft.
Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.
There is a woman named XXXX, her extension is XXXX. The phone number to this debt collection company is XXXX. I never can get a clear answer of the name of this debt collection company, but when I did call after receiving threats from XXXX, she continued to try and get personal financial information of mine from me. She, or whoever else continues to call my mother 's house and leave information about the debt and what they are going to do if I do n't pay it. They continue to say they are going to take everything I own, going to sue me, I was talked very rudely to on the phone. I do not appreciate how this was handled. I do not dispute the debt, however, things could be done in a lot more nicer and professional manner. I would like them to cease contacting my mother 's house. I do not live there. I do not know why they continue to bother her with my personal business. The website I used to get the loan was okay to begin with ... the way people were able to get the amount of a loan needed, and pay it back on the next payday. Their policy was owing 10-15 % plus the amount of the loan. Then, for some reason, they changed their policies, not giving really any good reason as to why the change, and the website was not explanatory enough as to charging a certain interest rate per day that you did n't pay the loan back up until your payday. I kept it up for a while, until it just got so ridiculously expensive, and I just could n't do it anymore. I could not afford what they were trying to charge me and it was racking up charges left and right..just bewildering me. What I do not understand now, is why all the hostility over a debt? Why call and say I 'm in trouble, I 'm being sued, they want my financial information, they want to wipe everything out of mine, rather than it be something that just goes on my credit at the end of the day? Does it have to be this hard? I understand it is my debt, but when I can not do anything about it, and I continue to get harassed and heckled about it, even my mother 's ... should something be done to relieve my situation?
Mohela is refusing to supply me with information of a loan, however they are continuing to report false information onto my credit report. The loan has since been moved and in good standing with a new provider ( XXXX ). I spoke with a supervisor name XXXX and he refused to provide verification and validation on a account from 2004 ( which is still reporting on my credit ). I would like for this account to be removed from all 3 credit agencies. They have changed the dates so that it fits int the stautue of limitation and this is completely fraudulent on Mohela 's behalf.
On XXXX XXXX, XXXX, I purchased a five oil change package for our XXXX XXXX XXXX in the amount of {$220.00}. I received two oil changes, and then XXXX 's XXXX XXXX went bankrupt. I am disputing the undelivered balance of the oil changes. I calculate that I received 40 % of what I paid for, accordingly, I am disputing the balance due me of 60 % of the total, or {$130.00}. 

I submitted this dispute to Citicards in writing outlining the above. Citi confirmed receipt on XXXX XXXX, XXXX. Since then I have had a ridiculous amount of correspondence with them I have provided all the documentation they have requested including a copy of the credit card statement showing the charge, and the invoice from XXXX 's XXXX XXXX. I the most recent letters from them they have : Said my dispute letter was lost ; I resent it Claimed that the charge was made several years prior to the date shown on the credit card statement. I resent the documents, and clarified their error. 
Their most recent letter claims that they needed my dispute within 60 days of the dispute, and stated they would not honor my dispute. This stipulation is an obvious impossibility, given that the provider went bankrupt well after the 60 day period they arbitrarily stipulated. ( This also calls into question the content of the second letter recapped immediately above. ) It has become obvious that they are simple seeking any reason to deny my dispute. On XXXX/XXXX/XXXX, in wrote yet another letter indicating that I would be filing this complaint. 

I can provide all the documentation regarding this matter, as you may require.
Purchased a faulty watch with my kay outlet jewelers and now they do not want to take the return even though the watch is faulty.
On or about XX/XX/XXXX I received our 1st invoice from XXXX XXXX XXXX  on our XXXX vehicle we purchased we are happy with the purchase and the vehicle just not the hidden fees in this invoice dated XX/XX/XXXX it clearly states, there are 2 options provided on invoice website or call XXXX and underneath paragraph states " This service is free to XXXX XXXX XXXX customers ''. However when I called today XX/XX/XXXX they charged a hidden fee of {$7.00} processing fee for using phone service although paperwork states free???
I have already made XXXX complaint against Huntington Bank about my families mortgage. 
We have lost our house to the bank which was unfair and should have never happened and now we are getting notices from Huntington Bank telling us we need to insure the house we DO NOT own since XXXX XXXX of 2015. I have contacted Huntington Bank about this notice and was told that there is NO record of the Forclosure in the Huntington Bank records at the higher up building and they make a note of this Forclosure. We have now received a second notice telling us to insure the house that Huntington Bank has bought at the sheriff sale in XXXX of 2015. We would like to move on with forgetting what was done to us since we lived in this house for 23 years and we was pushed out with NO legal right to do so.
I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to VW credit. In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and VW Credit continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time. VW Credit is intentionally attempting to damage my creditworthiness.