WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam, Please see the following complaint below. This is regarding Citibank 's unauthorized add-on charges towards my credit card since XXXX XXXX to present. 

On Monday, XXXX/XXXX/XXXX, I contacted Citibank to dispute an " add-on charge '' on my credit card. I was told by a Citibank representative that this was not a mandatory charge, that it was in fact an " optional fee '' for insurance by a company called Payment Safeguard. I told the representative I had no knowledge of this nor did I ever approve this service. I asked to see proof of enrollment and was told by Citibank that they would send proof to me within 30 days. I never received any type of proof of enrollment even after 30 days. I then requested Citibank to send my statements from XXXX to XXXX ( present ) to see how much I was being charged since XXXX which totals {$16000.00}. On XXXX/XXXX/XXXX, I received a letter from Citibank Customer Service stating that I had cancelled this Payment Safeguard service with the following statement : " Based on the length of time that your account was covered by the program benefits, your account protection fee refund amount will be {$530.00}. We 've credited your account for this amount, as well as any related interest charges. The credit will appear on your statement within two billing periods. If you have any questions about Payment Safeguard, please contact XXXX. '' This amount of {$530.00} is unacceptable, I never agreed to it and I am entitled to the full amount of {$16000.00} plus interest since XXXX. Since XXXX/XXXX/XXXX, on several different occasions, I spoke with various Supervisors from both Citibank and Payment Safeguard. On XXXX/XXXX/XXXX, I spoke with XXXX, a Supervisor from Citibank, I was again transferred to the Payment Safeguard company in which I spoke with a Payment Safeguard Supervisor named XXXX. This is where I hit a road block. XXXX informed me that all that Payment Safeguard can do is submit my claim to their Account Maintenance Department which has no phone number to speak with an actual person, all they have is an address with a post office box ( see address below ). This was my last contact with Citibank. 
XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX Upon further research, I discovered that on th CFPB website, Citibank had been issued a XXXX page consent order by the CFPB File NO. XXXX which I 've read thoroughly. Also, on CFPB website, please read an article by XXXX XXXX - XXXX/XXXX/XXXX titled " Citibank to Refund {$700.00} XXXX to Credit Card Customers to Unfair and Deceptive Practices '' which has affected XXXX XXXX cardholders including myself. 

On a personal note, being a single homeowner, the amount of these add-on charges could have been put towards my mortgage for the last 13 years. 

I would like to thank you for your attention and time towards this matter and look forward to having it rectified as soon as possible.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
The XXXX XXXX XXXX account, is incomplete and then not reporting correctly. 

1 This account, was closed XX/XX/2015. 
2. Its Pay Status should be " Closed '' and not Current 3. The Payment received field says XXXX, when this is inaccurate 4. The Pay History is incomplete - please Validate this account, and update the pay history for this account XXXX. The Balance History is incomplete - please Validate this account, and update the pay history for this account
On Friday, XX/XX/2018, an unauthorized Debit transaction for {$8500.00} was posted to my bank account. Since I am notified immediately of any transactions that occur in my bank account, I then drove to the local branch of the bank. with the intention of closing that account and opening a new XXXX. However, when the bank found that the unauthorized transaction had occurred, they abruptly closed my account and gave me a check for the balance left in the account, LESS the {$8500.00} that was taken illegally. They also infomrmed me that they could not, and would not open a new account for my business.. 
This unauthorized transaction was done by a former member of my XXXX at another branch of the bank where he knows the XXXX XXXX. 
I had already emailed her on XX/XX/2018, attaching my official Annual Report for 2018 that I filed with the North Carolina XXXX of XXXX XXXX showing that I was the sole member of the XXXX and requested her to remove said former partner from my bank account. 
This branch bank XXXX intentionally avoided removing my former partner from the company bank account ; then deliberately avoided processing new Bank signature cards that were signed on XX/XX/2018 that specifically showed that the former partner was Not permitted access to my company bank account. I am quite certain that she also infomed my former partner that I was going to close the bank account so he hurried to his local branch bank and made the illegal withdrawal. 
I hold both the banking institution and the XXXX XXXX liable for reimbursement of {$8500.00} plus damages that have occurred, limiting my business operations and generally causing a great amount of despair.
I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX  XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}. 

Please provide documentation as well as check the FDC status.
I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
I use a credit monitoring service, I was alerted yesterday XX/XX/XXXX, that a hard pull was run on my credit on XX/XX/XXXX through Equifax from a company called XXXX. After some research I found out this is XXXX. I have not applied for any credit cards or loans and did not give this company consent to run my credit. I have reached out to the company and still have not gotten a reply back. I have never had an account with this company so I do not have any access to know what amount was given or who has access to it.
Bank of America debited my account on XXXX XXXX for an annual service. The teller told me there was another person on my account. I cancelled the service the next day XXXX XXXX because I was the only account holder, and I have concern about their mistake.The person who closed my account refused to refund my payment, instead she told me to call the XXXX number which I did several times. TheXXXX refused to give me a reference number nor was I given a claim number initially. I was told to call the bank, the banking center said the person in charge was n't available. I got a letter from BOA where it stated there was NO transaction on XXXX XXXX for the amount of {$240.00}. I have supporting papers of payment, cancellation of service and their letter refusing to acknowledge they had debited my account of {$240.00}. I.tried to take care of this situation on XXXX XXXX, but all I got was being out on hold and being transferred from XXXX dept to another with long wait time in between while being put on hold. They might expect callers to be discouraged and hang up so they do n't have to fix their mistake by doing a refund. I filed a complaint with XXXX and the Bureau of Consumer Financial Protection so unwary customers wo n't get scammed this way.
On   XXXX   XXXX  , I contacted the   XXXX   credit reporting agencies,  XXXX ,  XXXX , and Experian to ask to remove only the dispute for   XXXX    acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once  XXXX  did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
I called Chase Credit Card Services several months ago to ask why interest was accruing on my account. I had recently done a balance transfer and was not aware of the implications on my grace period ( which I found out months later ). I was instructed to pay my purchases in full which were stated at the top of the bill. I pay my card on time and typically in full each month. The next several months I paid slightly more then the purchase amount at the top of the bill yet interest was still accruing. I called Chase today and spoke with the rep who clearly did not understand how the statements work - it started with pay your bill in full and after several holds as she needed clarification it continued with the minimum payment goes to your purchases and the rest goes to your balance transfer till finally after over 20 minutes she found out that balance transfers eliminate grace periods. I asked for the interest to be refunded maybe {$75.00} total as I was previously told something different. I then spoke with the manager who should not be in customer service. XXXX of the frustrations is that I was told they are charging interest on a figure that I can not see and that it 's a " long drawn out calculation that is done in the system ''. How am I supposed to know why I 'm being charged something if its not disclosed. After much back and forth with the manager it was clear that she was knowledgable enough to throw out terms but not knowledgeable enough to fully educate the consumer. Having been in finance for years this is not that complicated but the lack of transparency and not being clear on the statements is cause for concern. After much discussion I further inquired about the interest portion on the bottom of my bill and she figured out it was my average daily balance that I 'm getting charged interest on - again this makes no sense as these figures I was told previously by the first rep - ignore those and just look at the purchase amount. The second rep said they were the purchase amount ( no this is at the top of the bill ) and the manager stated this was the average daily balance ( not stated anywhere in the section ). I simply wanted to know what I was getting charged interest on and no one could answer this. When I asked for a refund of the approx {$75.00} of interest the manager said no even though it was my previous communication with the rep that stated I would n't accrue interest if I paid my purchase amount in full. She said they had already refunded my interest once before ( which they did the first time I called to find out why there was interest on my bill ). I 've been a customer for years and the lack of transparency, the lack of understanding on their own products and the deliberate, what feels like deceit, in allowing the statements to be clear about what interest in being charged on and why is incredible frustrating and leaves me feeling disgusted.
I am trying to connect my bank account with XXXX XXXX and they notified me that Capital One is not allowing me to connect my account. XXXX notified me that I have the right to access my account and suggested for me to contact the company or file this complaint.
American Honda Finance Corp is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact American Honda Finance and all 3 credit bureaus about the inaccurate payment history on my account.
Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms.

Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data.

I applied for auto loan and specifically repeated no personal guarantee or Id wait until business credit was better. Dealer somehow got my personal SSN even though I have not provided them with a application in the last 30 days. Salesmen cursing at me, being rude. Using threatening and harrassing demeanor.

This is dealer fraud, and identity theft.
XXXX XXXX XXXX erroneously mismanaged this account and fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion. They have erroneously reported me as a charge off collection remark since XXXX but more importantly the stature of limitations regarding the FCRA guidelines is from date of last payment which on this dates back is XXXX. And this needs to be deleted off my credit profile as of XXXX. This needs to be updated to current or deleted now for fraudulent reporting activity
I had a car through XXXX XXXX, and it was a poor functioning vehicle that would not last me, I asked if I could trade it in, was told no, the end result was me turning the property back over to the dealer, and I 'm guessing have resold the car since. Yet, they are still coming after me for the full amount of the car.
I opened a self-directed online brokerage account with XXXX XXXX, called XXXX XXXX, in XX/XX/XXXX. Thereafter, I received marketing material from Bank of America ( " BofA '' ), promoting the benefits of opening checking and savings products with Bank of America. Of the benefits listed, BofA noted that an aggregate balance of above {$10000.00} would result in the waiver of maintenance fees. BofA specifically notes that the value of a XXXX XXXX account, combined with the value of all BofA accounts, will qualify a customer to receive this waiver. In XX/XX/XXXX, I set up a BofA checking count, and shortly thereafter successfully linked my BofA and XXXX XXXX accounts. I received verbal confirmation that this took place. In XX/XX/XXXX, the aggregate balance of my BofA and XXXX XXXX accounts surpassed {$10000.00}. For two pay periods until XX/XX/XXXX, BofA nonetheless charged a monthly maintenance fee to my checking account. Upon calling BofA in XX/XX/XXXX, they made an excuse that my accounts were not linked, which in fact they were. They apologized, credited my accounts immediately, and confirmed verbally that the accounts were in fact linked and that I qualified for the waiver. In XX/XX/XXXX, I discovered that my checking account continued to be charged a maintenance fee. Upon calling BofA, they again stated that my accounts were not linked, and instead blamed XXXX XXXX for the problem. My XXXX XXXX representative called BofA to resolve the problem, and BofA again claimed that the accounts were not linked. Further, they mislead the BofA representative, and claimed the accounts needed to be valued at above {$20000.00} to receive the fee waiver. Shortly after the call, and without my knowledge, BofA corrected an error to mask that the accounts were never in fact linked, and failed to notify me of this correction. This directly contradicted a year 's worth of service, during which they mislead me to believe that my accounts were linked. Upon calling BofA to speak to a supervisor, the supervisor acknowledged that they had corrected the error, finally, without my knowledge, and assured me they would document that they had acted without my knowledge. I believe BofA intentionally broke their promises to me. They failed on the several occasions noted above to fulfill their promised services. They further, surreptitiously, tried to cover up their failures. Then, when confronted, they apologized and made excuses as to their series of error and misconduct.
Reported to XXXX, Equifax and XXXX that the balance has been paid in full still reporting that I owe the amount.
I opened an account with Home Depot. They never sent me a bill and have been charging me late fees. I have spoken and written to them about the problem and told them that I would gladly pay the bill when receive a bill. The continue to hassel me and add charges. They have called multiple times and have not corrected the problem. I refuse to pay any late fees they have added due to their mistake. They have been completely unresponsive.
I have a complaint about PayPal credit services because I did n't ask to get sign up for the credit account and I find out after that they attempt to get a pre-approval credit loan on my account. I thought that they pulled money from my credit card or linked bank account. I never get any statements from them and now I see a lot of debt incurring. I do n't think that they have updated the refunds or accurately post them in my account balance! I feel like I 've been cheated because I did n't sign up for this and the high interest rate.
Caller, XXXX XXXX, left message with a threatening tone for XXXX. He suggested we have our attorney return his call. My husband returned his call and informed XXXX that he divorced XXXX more than 15 years ago. My husband also requested XXXX to stop calling us. XXXX was relentless and said since XXXX and my husband have kids together, he should tell the kids to inform their mother to get back to him. The conversation escalated to the point where my husband asked XXXX, " Are you threatening me? I know several policeman who can deal with you ''! - to which XXXX quickly hung up.
I have been an AMEX Bluebird cardholder since XXXX XXXX. On XXXX XXXX, XXXX, I disputed what I suspected was a fraudulent charge for {$240.00} on my Bluebird AMEX. AMEX issued a provisional credit to my account while it investigated the charge and notified me by email. On XXXX XXXX, XXXX, Bluebird AMEX informed me by email that the provisional credit was final and the fraud dispute was resolved. On XXXX XXXX, XXXX, my account was reviewed and closed by Bluebird because Bluebird determined that the {$240.00} disputed charge was valid -- some 3 weeks after it had sustained the disputed charge.
I am a XXXX veteran and I was treated on XXXX/XXXX/13 at XXXX XXXX Hospital as per an agreement between the Veterans Administration and XXXX Hospital. The VA has made payment in full for this treatment. 

This is the second or third time I am having to deal with this. The collection company name has changed from the XXXX now to Avante USA but a XXXX XXXX is the CEO. This leads me to believe that this is the same company. The name XXXX XXXX XXXX I am not familiar with at all. 

The fact that they have out of the blue turned up and have entered this account as a collections account on my XXXX credit file upsets me very much.
I obtained my free credit report on XX/XX/2018. It was at this time that I noticed a Bankruptcy that was attached to my credit file. On XX/XX/2018, I sent a certified letter to Equifax. The letter was dated XX/XX/2018. In the letter, I stated that I did not know the source of the bankruptcy and therefore, this was a violation. ( Letter attached ). I called and spoke with a representative concerning the inaccurate, negative mark on my report. The representative stated the information related to a bankruptcy was verified accurate by the United States Bankruptcy Court. Soon after, I received the Equifax investigation results. Equifax stated that the bankruptcy was verified through a third party, XXXX XXXX. I submitted a letter to the United States Bankruptcy Court. In the letter I asked how the credit bureaus or any third party agency verfiies a bankruptcy for a debtor? The bankruptcy court responded in a letter dated XX/XX/2018. The letter stated that the " Court have no jurisdiction over credit reporting, nor do they provide information to the credit agencies or verify the accuracy of such records.. '' I also initiated an investigation with XXXX XXXX. I finally received an answer from XXXX XXXX on XX/XX/2018. Their results indicated that XXXX was unable to verify the accuracy of bankruptcy within the timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX XXXX report. 

I submitted all of this information on XX/XX/2018. It was not removed, nor did I receive a response. I called Equifax on Monday, XX/XX/2018 to once again dispute the bankruptcy that still remains on my credit file. The representative told me he would attach the documents previously sent on the new dispute. The next day my credit score drops XXXX points and Equifax is listing a new bankruptcy! I called and spoke with " XXXX '' yesterday, XX/XX/2018 and was told my documents were " out of date '' and that I would need to resubmit everything I had already sent to PROVE my case. Equifax wants me to waste more money and time to fix their error. I will not! As a consumer I have done everything I needed to do. I have provided more than enough adequate support. 

This is absurd! I have been trying to resolve this issue for nine months and I keep getting the run around. I have completed my research, documentation, spent money and time. The representatives are reading off of scripts and no one truly provides the consumer with what is suppose to be FAIR! I know my rights!
I noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.