WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 I rented a car from XXXX. I declinded their insurance because I spoke to an agent from my Citibank Credit Card and he assured me I was covered if I used my credit card for the rental insurance. I asked if I was fully covered because I had limited insurance on my older model car. " Yes, '' the agent said, " do n't use XXXX 's insurance you 're covered. '' I asked if there was a deductable. " NO deductable, you do n't have to worry. '' On my way home a Semi-Truck spit up a rock which made a XXXX. crack in the windsheild. I paid XXXX upfront and filed a claim. Now the nightmare begins. Called to file a claim and was told to sumit the information to XXXX fax number with a claim number. Did that. Waited, waited and finally messaged them asking what is goin on with the claim and was told they did n't have enought information. Sent it again, to a different address I was provided. Waited, waited. Citibank decided the repairs were unneccesary, claim denied. What? Messaged them that was not exceptable. Waited, now its XX/XX/XXXX, XX/XX/XXXX Citibank messaged me that my claim was something my insurance would have to handle, claim denied and if I 'm late with my payment they will turn me into the XXXX credit bureau. I 've never been late and my credit score is XXXX. Sounded like a threat. So which is it, the repair were unnecessary or they do n't cover windsheilds??? If I had known I was going to get the royal run aound I would have gotten the {$20.00} XXXX insurance and saved myself {$150.00} and a huge headache. Apparently I 'm not the only one with this kind of complaint with Citibank as I 'm looking on the internet.
I saw a collection on my credit from Pro Collect. A debt that I do n't owe. I sent for validation from this collection agency and they did not send me anything. It is now four months since I sent for validation. Pro Collect is not bonded to collect in my state. This is a time barred account. They are continuing to re age this account. This agency is in violation of the TEXAS FINANCE CODE AND THE FDCPA.
Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, XXXX, TransUnion and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against XXXX, XXXX, TransUnion and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.
I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. 

But a few months later, they did mark my credit report with a late payment. 

I called XXXX customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). 

Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. 

How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? 

How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?
Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA for approximately {$21000.00} after down payment receiving financing from Nissan Motor Acceptance.  Upon purchasing the vehicle I set up auto-pay in order to make direct deposits in order to pay off the vehicle. From XXXX until XXXX I had never missed a single payment and was well on my way to paying off the vehicle. Upon the final payment, which should have been XX/XX/XXXX, I checked my account and saw a {$0.00} balance. At that time the account was closed out and I was no longer able to log on to the website. I had figured everything was taken care of and my debt was paid. About 8-months later I received information that I still owed {$410.00} ( the last month 's payment and the final balance ). Keep in mind I move around a lot being in the military so if they had sent me letters it was probably to a prior residence. After finding out the information, I called Nissan Financing and they were unable to help me, stating that my balance had been turned over to a collections agency, which I just recently found out wasn't true when I finally paid the remaining {$410.00} balance. 
I have recently disputed the claim just to get it taken off my credit report after paying off the final balance, but they acknowledged my payoff and refused to take the negative information off my report. My question is, what would be the sense in paying 59 payments of {$410.00} over the course of nearly 5-years, then simply disregarding the final {$410.00} installment? {$410.00} isn't worth not receiving a title or my credit being destroyed. Why in the world would I invest that much money into something I didn't intend to pay? Why would 59 payments be made at the same exact time each and every month during the duration, then suddenly stop on the 60th installment. I just want a clean credit report as all of my other accounts are clean and never late.
ALLIED Collection Services ( Nevada ) attempted to collect {$610.00} for XXXX ( XXXX ) on a {$9.00} co-pay. 

The principal amount of {$420.00} went to collections after an insurance billing error. My insurance company paid the bill and XXXX zeroed out my balance. ALLIED claimed that I still owed {$190.00} in principal. After speaking with XXXX repeatedly and forwarding documentation, I was still told I owed XXXX {$190.00} - it turned out these were really ALLIED 's fees and interest. 

I still owed a {$9.00} co-pay, but ALLIED charged me {$13.00} to cover their interest and fees. 

ALLIED then asked me to pay a bill from XX/XX/XXXX, also for XXXX in the amount of {$56.00} - {$42.00} in principal and {$14.00} in interest and fees. I requested an original statement, since I was not familiar with this debt. 

I later received a phone call from XXXX # XXXX informing me that they reported this debt to the credit bureaus on XX/XX/XXXX, but I could receive a letter to remove both credit report items if I paid immediately. At the time of the call ( XX/XX/XXXX, XXXX PST ), this debt was 7 years, 3 months and 28 days old - past the statue of limitations for credit reporting. 

I asked to speak to the supervisor " XXXX '', but she was again in a meeting and unable to speak, so I outlined my complaint to XXXX. He was going to transfer me to XXXX 's voicemail, but it was a line that just rang and never picked up. I called XXXX back on his direct line and he immediately transferred me again, so I hung up and called XXXX again on his direct line and he did n't answer.
A previous complaint was lodged against Specialized Loan Servicing, and now another problem has come up. 

About 2 weeks ago I received a letter from the servicing company stating they were increasing my escrow payments by more that {$200.00} a month, and their own figures on the document did not show a need to increase the escrow payments Since I am required by my home insurer to pay the annual insurance in XXXX myself and that they will not accept the servicing company 's payment.

I phoned and spoke to a customer service person with the servicing company and they said I could not speak to the escrow department and they would send them a message that I have to pay the home insurance myself in XXXX, and to figure that into new monthly escrow payments ; last week I received a letter from them stating I could not eliminate my escrow account, which I did not ask to do! 

I called and spoke to another customer service person and was told that is their final answer, and that even if the home insurer requires me to personally pay the annual policy, that they would require me to make the increased payments into my escrow account, adding more than and excess of {$2400.00} in my escrow balance that they would just leave in my account and not refund to me for the foreseeable future, which is against the law. 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX
I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.
Data breach on XXXX XXXX 2017.
Their website indicates that I may have been impacted. 

Any negative effects on my credit report due to this must be resolved.
The Company XXXX XXXX XXXX called my cell phone and harassed me at work and claim to have sent me a letter via mail. First they said I had a debt of XXXX  with the irs from XXXX/XXXX, which was filed and accounted at the time. Second, the claimed debt is over 5 years old and the company could not validate the debt. The staff presented this to manager who was informed that they were sent a letter to cease and desist all phone calls and would only be permitted letters at this time. 

The debt has still not been validated and the company is being asked at this time to provide written proof of debt which it has failed to do
Hello - I signed up for a Chase credit card as part of a promotion ( for XXXX bonus miles ) with Southwest Airlines. Southwest advertises this promotion everywhere - every time I go on their website or use their mobile app or even at their terminal in the airport. I clicked on this promotion and signed up with the card ... and some how ended up with a different promotion that I have never seen advertised anywhere. I repeatedly called Chase asking when my bonus miles would appear, and they reassured me that I had to wait, as it takes up to 6 weeks, even after I had waited that long. Finally some one told me that I was signed up for an inferior promotion, that again, I had never seen advertised or described anywhere. So I was basically tricked into something else, and they eventually agreed to change " after the next billing cycle '' a delay that essentially violated the terms of the agreement. Furthermore, Southwest 's response is to claims that it 's " Chase 's promotion '', even though are the ones advertising it, to the point that it is the main thing Southwest is pushing. My take is that Chase is engaging in false advertising, and Southwest is claiming no responsibility.
I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with XXXX XXXX XXXX in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. The title company was First American Title Insurance .when this new refinance Loan was " filed '' with the XXXX Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " Wells Fargo Bank ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.
I made extra principal payments on my mortgage and my loan servicer did not apply them to principal and just pocketed the money. My loan was in the bi-weekly payment program since XXXX of XXXX. In reviewing the payment history I received from Ocwen Loan Servicing, it was determined that the XXXX XXXX, XXXX and the XXXX XXXX, XXXX payments were not applied totally to principal per the terms of the bi-weekly payment program. 
In researching my loans payment history, it was also determined that the XXXX XXXX, XXXX payment was not applied totally to principal per the terms of the bi-weekly payment program. 
In addition, when the loan was assumed by OCWEN, an additional {$1300.00} was added to the principal balance. This amount was equal to the bi-weekly payment amount, and OCWEN has never explained why they increased the loan balance by the amount of the bi-weekly payment. 

I calculate that Ocwen owes me {$3600.00} based on the calculation belowXXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX payment added toprincipal balance : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXXPrincipal reduction after properly applying paymentsto principal balance XXXXOcwen indicated that the final loan balance at the time of payoff was {$340000.00}. This does not match a standard loan amortization schedule with all the additional principal payments properly applied which indicates a final loan balance of {$340000.00}. Which results in a difference of {$3600.00}, which confirms the above. All additional principal payments made can be documented through either loan or bank statements.
Our Mortgage interest rate resets as of XXXX XXXX, 2015. The loan provides for XXXX years of fixed interest only payments converting to a fully amortized adjustable rate for the final XXXX years. 12 USC 1026.20 ( d ) requires a servicer to provide the borrower with a notice between XXXX days before the mortgage rate resets that includes an estimate of the new mortgage payment and other required information. We never received this required disclosure, and at the time it should have been provided we were not receiving monthly mortgage statements. Nationstar did not provide monthly statements in XXXX our of XXXX months and still has failed to provide us with a copy of the note as required by California Civil Code Section 2943 ( b ) ( 1 ) and the Deed of Trust. Today, XXXX XXXX, 2015 we did receive the Change in Interest Rate that is required XXXX days before the reset, but this document does not fulfill the requirements of the estimated notice we never received.
I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. 

I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. 

They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!
Bank of America and XXXX Based BOA XXXX XXXX XXXX XXXX XXXX are yet again depriving me of my rights and preventing me from doing the right thing. 

Given the trauma, uninformed staff, its predatory nature, its refusal to allow a supervisor to speak with me, its illegal non-compliance with existing banking law, and the its apparent illegal discrimination against me in banking decisions because of my XXXX I today decided to close my BOA account. 

In doing so I was alerted by XXXX in Nevada that I could not close my account because there was deficit of XXXX dollars listed yet there was no listing of the nearly XXXX dollars BOA has of my money which it is refuses to deposit. Nice scam is you can make it work! 

Anyway I am so tired and traumatized by this whole experience that will be extent of todays post with a great deal to follow in the future. Thanks..
I filed a compliant with the CFPB in XXXX XXXX on Bank of America 's handling of paying the liens and fees assessed by my Home Owners ' Association. I am now filing a new compliant based on the fabricated and fraudulent information Bank of America provided the CFPB and Florida Attorney General. Bank of America fabricated a letter dated XXXX XXXX, XXXX. This is a completely fraudulent letter that was created for the Florida Attorney General. The date does not even correspond with the situation that was at hand ( see court document for lien ). Due to the mishandling of the lien and fees, I did n't pay my mortgage for XXXX and XXXX XXXX based upon the statements that were made in court on XXXX XXXX, XXXX. My concern is Bank of America 's ability to create fraudulent documentation/information in a effort to say that they did not improperly handle the situation.
On XX/XX/XXXX, I was making a purchase at XXXX XXXX. The total charge was {$50.00}. I initially tried to pay by XXXX XXXX credit card. The new cashier in training told me she could not process my credit card and asked me to pay cash. I then paid {$60.00} in cash and I got {$10.00} for change. 


After two months, I got a bill stating I owe {$78.00} including the late fee. That means I was charged twice on XX/XX/XXXX and I paid twice ( XXXX credit card and my cash ) for the same items.I did not even got the first bill of {$50.00} in the first place. 


Since I have already paid the items by cash, I am not responsible for the {$78.00} card payment. I called XXXX XXXX and filed a dispute. I was told I would not be charged the interest during the investigation. I faxed my letter explaining the situation and faxed a copy of the receipts. 


However, I got three letters today on XX/XX/XXXX from XXXX XXXX. The first one stated they got my request for the dispute. The second one I got was asking me to call them to provide further info. The third one was the statement asking me to pay {$110.00} now including the additional late fee again. I called XXXX XXXX   again and the representative twisted the story. She said the cash payment was cancelled and the credit card was charged. I discussed about the receipts I sent them earlier by fax but the info was ignored. 


Therefore, pls follow up and waive all the charges and fees.
I sent in XXXX checks ( {$6200.00}, {$4100.00}, {$4400.00} ) to payoff my student loans that I had taken out for my sons college education. The checks were sent in on XXXX XXXX. As of today, XXXX XXXX, the checks have not been posted. I have been told I sent the checks to the wrong address. I also have been told the checks were cashed already, but the money has not been credited to my account. I believe the accounts should be paid off with an effective date of when the money was received and I should not accrue an additional interest. 
I included a letter which stated if there was a problem and/or question to contact me at my email address or cell phone.
on XXXX/XXXX/XXXX I received an email from Bank of America stating my credit line had been decreased. 

I called on XXXX/XXXX/XXXX to understand why, the rationale was completely arbitrary and when speaking with the " underwriter '' she stated they pulled a soft inquiry and evaluated my deposits into my checking account. 

My credit line was decreased {$2000.00}. I have been a credit card holder through Bank of America for 12 years and have never gone delinquent. 

I recently closed 4 accounts ( paying total owed off ) that may be affiliated with Bank of America leaving my only open credit account to be with Bank of America. 

from an income perspective this is my highest income year since I 've had the card. the rationale does not seem to be based in fact. 

please help me understand if this is a fair practice.