WillisBack/dataset-financial-user-claim huggingface dataset:
Last year I elected to change my banking relationship from XXXX XXXX to XXXX. One of the accounts I attempted to close was a checking account # XXXX I used to auto pay my monthly homeowners fees to XXXX XXXX XXXX in XXXX, Fl. in the amount of {$68.00}. 

I personally visited the XXXX XXXX  branch on XXXX XXXX. XXXX to close the account and spoke to a bank officeXXXX named XXXX who supposedly closed the account as requested. 

Several weeks later I began receiving notices from the HOA that XXXX XXXX was continuing to send payments to the HOA which they were returning without cashing, and I needed to contact XXXX to resolve this issue. 

I again visited XXXX XXXX  and spoke to the same officer and stated that the account was not properly closed and XXXX was continuing to send checks to the HOA. He said he would take care of the matter without further delay. The issue was not resolved and checks continued to the HOA. 

I then continued to contact the original XXXX XXXX manager who had opened the account and he contacted XXXX. This appeared to resolve the matter and I assumed everything was finally properly taken care of. 

Last week I received a call from XXXX XXXX stating I needed to pay an outstand debt on this account in the amount of {$54.00} or it would be turned over to a collection agency. This is more than a year after I assumed everything had finally been taken care of. They also stated I received a collection letter I also did not receive until several days later. I called the collection agency to explain the issue, however, they said since XXXX  was their client I needed to contact XXXX directly. 

I again visited the XXXX branch on XXXX XXXX. this time speaking to the manager XXXX who promised to look into the matter. A couple of days later I received a call from her stating XXXX was not willing to waive any fees and I needed to the debt or a collection action would be taken against me. 

Tis is not a debt which I owe and is clearly the fault of XXXX XXXX  which did not properly close my account when tis all started. /what I find most interesting the debt attempting to be collected {$54.00} is not even the same as the HOA fee of {$68.00}.
On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for TRANSUNION to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
I am looking at the XXXX that exists in the student loans in this case it is my student loan when I sign this loan with the XXXX XXXX according to the person who did the paperwork told me it was a federal loan and not private which was not so, she made me privately deceive me that she was federal and she also told me that she was going to pay a monthly payment of XXXX dollars a month which at this moment the Navient company is charging me monthly amount of XXXX dollars I have been paying the loan but I have already reached the point that my life has become very expensive in exchange for not working and the little I do is to spend on my home expenses t the babies that I have are XXXX I call the Navient company and I tell them the problem and they do not give the solution I have complied with them all the time and now what they do is raise interest and payments when it should be in reverse now I'm paying more than when I started and I do not know what Please help me solve this problem thanks my number is XXXX and my email XXXX XXXX
The complaint is against CHASE credit card services. I have a checking account and also auto loan with them. They offered a balance transfer with 15 months zero interest. I asked for about {$2700.00}, and I was approved immediately. Yesterday XX/XX/2017I received the card in one mailing, and then a letter in a second. The second said " Update : Your credit card application is approved but no balances transferred. '' The reason cited : " PA-The payee address is unknown ''. CHASE does n't know the payment address for a competitor, XXXX? I called and the agent said the reason was a $ 150+ transfer fee. My response was to order him to close the account. This is bait & switch. Today I wrote to a letter XXXX XXXX XXXX, Executive VP Chase Card Services. Her name was on the cover letter with the card. I do n't know if she is really the one to address this problem. I copied XXXX XXXX, who was the CEO of Credit Card Services. I do n't know if he still is there.
Applied and Completed application with Ameritech ( XX/XX/XXXX ). Company initially charged a fee of {$88.00} in the first month ( XXXX ) and then three payments of {$280.00} in each of the next three months. {$99.00} was charged monthly until membership was cancelled ( XX/XX/XXXX - monthly Ameritech fee already withdrawn ). Customer noticed that while making the payments to Ameritech balance of federal loan was not influenced by amounts paid to Ameritech. During the courting process, agent working for Ameritech did reveal that monthly payment would be lower but did not accurately nor thoroughly described what services they were providing, namely enrolling customer in repayment plans. Agent did not mention that the fees Ameritech would withdraw do not directly go toward the balance of the federal loan.
We leased a new vehicle from XXXX XXXX  XXXX through american honda finance on XX/XX/XXXX. We turned back in our previous XXXX XXXX for a new one. The dealer advised that the excess mileage fee would be waived if we leased another vehicle. I looked at the account on line and saw a charge in the amount of {$440.00} which was comprised of {$410.00} for excess miles and an additional {$29.00} for the taxes on that mileage fee. We called XXXX on XX/XX/XXXX to discuss and they advised it was due and would not be waived. We advised we have purchased many vehicles through them and also that the dealer advised it would be waived based upon our new lease. We were placed on hold then advised by the rep that we did qualify for a waiver of half the fee due to our new purchase. If so why were we billed for the full amount? I would like the balance of the fee to be waived based upon what we were advised by the dealer as well as our continued relationship with purchasing through XXXX.
Realtor, mortgage company and title have a duty to make sure that clients are being taken care of in a professional and expeditious manner. All and all though the paperwork process income state was communicated to multiple parties/ originators ( XXXX XXXX ) whom advised that such would not hinder the proceedings. With that being said, I don't think my file was treated with diligence and my best interest at heart. An appraisal was ordered on the property without the file being submitted to underwriting, so I'm out {$570.00} for an appraisal along with my option and inspection with no house to show for it. Then for me to finally get to the proposed day of closing per contract, only to find out that the deed is not dated within the time period for Texas state law, this should have been discovered a long time ago. At the end of it all, I have every party involved arguing through email and playing the blame game in which no one wants to take responsibility. So what am I to do when I have professionals working on my behalf who have " dropped the ball ''. 

Honestly do not think buyer was represented well. This miscommunication of vital information is undesirable. For Buyer to be working on paperwork for this property since XX/XX/XXXX and now XX/XX/XXXX a fault is being noticed is obnoxious. 

Then the representative XXXX XXXX XXXX will not accept the fault of XXXX XXXX finding the error that the deed was not sign until XX/XX/XXXX and submitted XX/XX/XXXX until the proposed day of closing XX/XX/XXXX which was never communicated to buyer. 

Staff is not on the same page and sells dreams and misleading information
I paid off the balance on my tjxrewards card and also have it on autopay. Your confirmation says that it will take 48 hours to reflect on your account. In five days it still did not show and my available balance did not change. I called and they said because it was an unusual payments I would have to wait 5 more days. So you get penalized for paying your bill & website confirmation is a lie it may take 10days for a payment to show. I paid from my regular bank account that I have had for years
I have received multiple items that are damaged or missing parts/pieces from Kohl 's Department Store. I have sent the damaged items back over and over ; each time they continuously charge my card, add interest, and never refund me the full value of the items. After this last order I contacted the manufacturers directly about the multiple damaged items ; the items are being damaged by the delivery vendor of Kohl 's. Kohl 's is supposed to file a claim with the shipping vendor and receive the value of the items from their shipping vendor whom is destroying the merchandise. Kohl 's refuses to remove the charges from my credit card and obtain the merchandise value from their shipping vendor. Kohl 's has stated they expect me to ship the items back again and again and again, continue to recharge my card over and over, wait several weeks for a refund, and then they will dispute the broken items with the shipping vendor ; as per the manufacturers and Ohio law this is incorrect. Kohl 's needs to remove the items from my credit card account and pursue their vendor for the costs. Also, there are several returned items which Kohl 's has not taken off my charge account and several items which they charged me for then refunded me less than what I had paid for the items. I have contacted Kohl 's probably 19 times including speaking with and emailing : XXXX XXXX XXXX Executive Correspondence Advisor, Office of the President Kohl 's Department Stores XXXX XXXX refuses to credit my account which is fraudulent. Kohl 's customer service representatives have stated on multiple occasions on a recorded line that there is not one single person employed by Kohl 's that is able to make outbound phone calls so I find it strange that the Corporate Office has contacted me. Now, XXXX from Kohl 's is refusing to return my phone calls or email and will not remove all of the charges from my Kohl 's charge.
I received a copy of my credit file  XXXX  from TransUnion. I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to TransUnion the write back confirming these are factual and to contact orginal creditor. On  XXXX / XXXX / XXXX  I called  XXXX    XXXX   XXXX   @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XXXX / XXXX / XXXX   Trans Union   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  Trans Union  : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the Act. My Social Security number is  XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,  XXXX   XXXX   XXXX
On  XXXX  I was transferred a call from a coworker and it was  XXXX  with  National Credit  management. I asked that she do not contact me at my employers number and she said okay. I then called again on  XXXX  to confir m NCM  will not call my work number again. The gentleman informed me the number was removed and this will not happen again. However again on  XXXX   XXXX  at  XXXX  I received another call on my work number from  National Credit Management. I again called and then sa id it was removed AGAIN.
I applied ( and was approved ) for the American Express Delta SkyMiles Blue Credit Card around XX/XX/2018. At that time, the sign-up bonus marketed online included XXXX SkyMiles after spending {$500.00} in the first three months, as well as {$50.00} statement credits for XXXX rides every month for the first six months. I called American Express on XX/XX/XXXX and filed a claim regarding this issue ; I never heard back. I then tried calling again on XX/XX/2018. The representative told me that the claim was found to be in my favor and that I should receive the sign-up bonus when my statement closed. I called back XXXX after the points were not transferred, and was told by the representative that they should be credited in XXXX after my XXXX billing cycle closed ; they were not credited. I then called American Express on XX/XX/XXXX to inquire on the status of the sign-up bonus ; the XXXX Skymiles were credited to my Delta SkyMiles account, but I did not receive the statement credits. I called again on XX/XX/XXXX, and they had no answer for me other than to wait 2-4 weeks for further investigation. I should be credited {$300.00} ( it's been about 6 billing cycles, and I've spent well over {$50.00} on XXXX rides each statement ). I have attached a screenshot of the website promoting the signup bonus, from the time I applied for the card.
Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.
I contacted Equifax via phone on  XXXX / XXXX /  XXXX   to inquire about items that were removed and reappeared on my credit report. The first representative,  XXXX , was rude and wouldnt provide information regarding this issue. I asked to speak to a supervisor to report her and she transferrred me to a department that did n't handle the issue I called about. The representative told me that they have no record of any account being removed. I advised the representative of the accounts in question and he advised me of an account I never heard of. I advised the representative again of the accounts and dates removed but he was unable to assist. The representative aslso told me the letter I sent them regarding unauthorized inquiries were in fact mine. I also advised the representative that those inquiries were not accurate. I waited on hold for  XXXX  minutes to speak to someone concerning this issue but the only thing i recieved was a rude representative and a representative who couldnt care less about these inaccurate marks that is affecting my credit. I have attached my credit report along with the report showing all accounts that should be removed from  XXXX
Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto  Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Credit Card XXXX. 
XXXX XXXX XXXXnquiry from XX/XX/XXXX Credit Unions
My name is XXXX XXXX and I have been harrassed by Exter Finance for over 7 months of non paymnet and asked for more money over the phone againt my account after proven I never missed a payment but has in fact over paid on my account. All phone calls are recorded and their are managers stating I have overage amounts waiting on my account but each day they were calling like XXXX times a day an sending threatening documentation to repossess my vehicle which I told them was stressing me out they did not care. I have given them every fax from my bank showing over payment from bill pay an yet they do not update my account but continue to harass me. I would like this stop and my account reported to XXXX bureaus as always being in good standing as well as reflecting on my statements of over payment. I think I should also be compensated for there neglect to human negotiations an respect for me as they attracted my character and integrity. My payment is only XXXX ... I have alays over paid.
XXXX, tow truck driver, entered my gated community after XXXX when the gates were closed on behalf of One Main Financial. Proceeded to park his truck in front of my walk way disrupting the walk pattern of residents, leaving his diesel truck running loudly between four buildings, stomps up my stairs, alarming the neighbors dog, pounds on my door with something metal, screams he is here for repo, knows where I work and is going to go tell them the repo man ask for me. Further he forces a card between the weather strip stating, " you call me or all go to your work asked for you repo ''. I feel threatened that he plans to intimidate or stalk me to my place of business. After, he stomped back down the stairs all the while saying he knows where I work. He turns his truck around, backs up to my garage and try to enter the garage, he then publishes and tapes a note to the garage door stating, " Repo, if you don't call me all go to your work and said repo asked for you XXXX XXXX XXXX '' This has greatly disturbed the peace within my household and community. I was terrified to hear this person I don't know, stomp up the stairs, pound on the door with something metal, all the while screaming about knowing where I work, then forcing something into the apartment! This has upset me and my daughters. I feel like this person is going to take additional unlawful actions and further disturb the peace. I am in fear for my safety and the safety of my kids.
On or around XX/XX/XXXX I received an email stating that I would get a FREE APPRAISAL, NO DEPOSIT AND A {$500.00} REBATE once I closed the loan. At the closing I noticed that I was charged {$400.00} for an appraisal but I closed anyway knowing of the letter that implied a rebate of {$500.00} and a rebate of {$400.00} for the free appraisal. When contacting the company they said that they were not going to refund me the {$400.00} but would send me a check for {$500.00}, which they did. 

The appraiser requested the house be painted. So I sent an estimate in of {$1900.00}. 
They held as a " hold back '' at closing {$3000.00} to be released once the house was painted and approved by an appraiser. This was done and a request for the funds to be released was denied and only {$1900.00} was released. No reason was given except this was their policy. However, I have a letter stating that ALL funds will be released once the painting is completed.
XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.
Company : Freedom Mortgage ( Ironic name ) XXXX XXXX XXXX XXXX, TX XXXX Background : We were selling our home and had closed on XX/XX/XXXX and were assured that the wire transfer would be received before XX/XX/XXXX. 

On XX/XX/XXXX I called Freedom Mortgage at XXXX and spoke with XXXX ID : XXXX. I was calling to make sure that if the wire transfer was received that day that there would not be a hit on our credit. The representative placed me on hold and assured me that it would not affect my credit. I was willing to make a payment but since he started as long as your closing documents show before XX/XX/XXXX. It will not affect your credit I was on the phone with this gentleman for 20 minutes to ensure there would be no discrepancies with my credit. Yet here now I have a late payment reported from this lying company that has dropped my score over 100 points!! 

Our documents clearly show that we closed before XX/XX/XXXX!! When I called in ( talked with XXXX ) I was willing to make a payment!! I even asked if I needed to send in my documents showing we had closed on that date! 

I am absoutely FURIOUS that I was lied to! I had the money to make the payment and was happy to do so!! The call with XXXX was recorded and all of the conversation and my attempts to take care of this can be heard. 

Because I had made an honest attempt to resolve this, reached out to ensure that there were no problems, and was LIED TO about what would occur next from the companies representatives, the correct thing for Freedom Mortgage would be to remove the derogatory mark from all 3 of our credit reports. They got their money! All XXXX of it!! Why would they need to ruin the lives of three people trying to get by.

I would appreciate a prompt response to this matter