WillisBack/dataset-financial-user-claim huggingface dataset:
In about XX/XX/XXXX My local XXXX ( XXXX, Ca ) store had a promotion for their new XXXX XXXX XXXX XXXX Credit Card. The {$55.00} statement credit offer was expiring in a few days. My wife and I applied right then in the store and were approved for a high limit. The offer was that we would " receive a statement credit of {$55.00} within 2 statements, as long as we spent over {$150.00} ''. We exceeded that amount on the card that day, as we bought groceries and upgraded our membership to the executivXXXX. We were assured by the store employee ( an assistant manager ) that we met the criteria and will receive our credit within 2 statements. After 2 months passed we had received 2 statements without the credit being applied. We contacted both the XXXX store and Citi to inquire about or missing credit. Both the store and Citi blamed the other. After calling 4 consecutive days an agent at Citi 'claimed ' that they could see we met the criteria and the credit was pending and will be on our next statement. When the next statement arrived, we still did not receive the credit. I called back Citi again and was told i needed to talk the the XXXX store manager, I repeated that, no, i will not call them, as i have a credit card with Citi and not with XXXX. Citi claims that the credit is coming from the XXXX store itself and the store claims it has to come from Citi, as the credit card company. In XX/XX/XXXX, my wife called Citi and asked to speak to a manager. The Manager listened to the situation and called the XXXX store on our behalf. There was no resolution that day, but the manager took down our info and promised to call us back within a few days. We have never heard back from that manager as promised. It is now XX/XX/XXXX and we still have not received either the call back or our {$55.00} credit. I attempted one final call to Citi to attempt resolution, in XX/XX/XXXX i called Citi and they claimed that they 'never had a deal like that ' and 'i was lying about it '. I asked to speak to a manager at that time and was told, 'one is not available and they would be unable to help me anyway '. I am beyond frustrated now, i do n't care where the {$55.00} comes from but I WANT MY MONEY I WAS PROMISED. 
For the record, i spend $ XXXX-XXXX  a month on this credit card and pay off the entire balance every month. We have been dealing with this for 6 months when this should have been credited to us after 3 months at the latest. I demand that Citi do the right thing and credit my account the {$55.00} i was promised. They have been rude and incompetent and have exhausted all of my patience. 
I am asking for the CFPB to get involved since I am unable to get any resolution with this issue with either the XXXX store or Citi itself. 
I will be happy to provide any follow-up information requested. Please help
I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.
on Wednesday XX/XX/2018 at XXXX XXXX a collector called my place of employment. I did advise the collector that he called my place of employment and that he should not call my place of employment. He then advised that this is a contact number. I advised the collector that he should not be calling my place of employment. He went and advised me that I will be served with papers and arrested due to non-payment on payday loan. 

I then advised him that he is not able to contact me at my place of work and threaten me.
On XX/XX/XXXX, I requested in writing that NCB a debt collection company should only communicate with me in writing. The telephone number that they are calling is a work phone and is on an unsecured line that can be monitored at any time by individuals who should not be privy to personal matters that pertain to me. I followed up with written communication via the BBB odr system again on XX/XX/XXXX to reiterate my request to communicate via writing only.. NCB has continued to call the line and even left a voice message which has resulted in me being reprimanded by my employer for using a work phone for personal reasons.
At the end of XX/XX/XXXX, XXXX XXXX transferred my mortgage to Bayview as my new mortgage servicer. On XX/XX/XXXX I received a Transfer of Service Notice from Bayview. 

I missed the XX/XX/XXXX mortgage payment and made a payment arrangement with XXXX to pay {$2400.00} per month from XX/XX/XXXX through XX/XX/XXXX. Please see attached XX/XX/XXXX letter from XXXX. It is my understanding that the payment arrangement that I made with XXXX would follow over to Bayview. I sent a copy of this letter to Bayview on XX/XX/XXXX. 

I have been paying a month behind because I only get paid once monthly at my job. By the month of XXXX I should be able to start paying within the month. For instance on XX/XX/XXXX I paid for the month of XXXX in the amount of {$2500.00}. I get paid next on XX/XX/XXXX and will pay the amount of {$2500.00}, which should be my last payment of {$2400.00}. I have notified Bayview of this.

Every statement I have received from Bayview has a different amount. I have called Bayview several times trying to straighten out my loan. Every person at Bayview that I spoke to has told me a different amount that we owe and a different story. Yesterday I received a notice on my house door to call Bayview.

I spoke to Bayview today and the woman I spoke to said that the payment arrangement was broken. I was never told that. Where is all the extra money I have been paying going to?
The company continues to call me, saying I owe although I 've made a payment in full.
I have had a very difficult time with XXXX XXXX. I am elderly living on a fixed income. With my family income, I can afford my mortgage. SinceXX/XX/XXXX, I have been trying to get a modification with PNC. Their system is very dysfunctional and slow. It can take days or weeks to get a simple answer from them regarding the modification. We have been in underrating since XXXX with 2 update  requests. We have asked PNC to place the foreclosure on pause while we go through our review. On the last request from PNC, we had to get an updated profit and loss from an accountant. Which is a 3rd party and not quick. We sent documents needed a few hours late and PNC is now kicking our file out of the review. It took 4 days for XXXX our representative to even tell us this. Now we have to file a possible bankruptcy all because PNC is a predatory lender, and the representative has done everything possible to backdoor our file into foreclosure.
I have a mortgage that is serviced by Ditech ( https :  //www.ditech.com/ ). I 've noticed a flaw in Ditech 's online payment process, that I believe to be an intentional act of deception to increase their own revenue in a way that a consumer ( borrower ) would never notice. Let me explain : When initiating an online payment on Ditech 's customer portal, the main welcome screen after logging in will show my current mortgage balance. If my payment is late, or there are any other applicable fee 's, this number will reflect them. 

Now, I click the green button to " Make An Online Payment '', and I 'm redirected to a screen with my past payment history. Here I see a ledger of my prior payments. I then click continue and I 've arrived at the Electronic Payment form which has my payment amount pre-populated for me. Maybe you 're thinking, " How nice of Ditech to make it easy and pre-populate my payment amount ''. WRONG! Yes, that would be convenient assuming I did n't have any late fee 's, but let 's assume I 'm making a late payment. Their form will still only display my monthly payment without penalties and fee 's. Nowhere on the payment form does it show anything about late fee 's. What 's worse is, the total payment field can not be edited, but they do include an " additional amount '' field where you can add to your payment. 

Ok. So I login. I see that I owe {$1600.00} from my main welcome screen. 

*Click* Make Electronic Payment > Continue > Electronic Payment Form. *Click* I see that my payment amount is pre-populated, but this number says {$1600.00}. Huh? 

*Click* Back Arrow, Back Arrow, Back Arrow *Click* Ah, I see, I owe some late fee 's. 

*Click* Forward Arrow, Forward Arrow, Forward Arrow *Click* Now I add that amount in the " additional amount '' box underneath " payment amount '' and everything is copacetic. 

How many people do you think completely miss the fact that they must manually add in their late fee 's? Making a payment in a hurry, I would imagine a very large number of people click through each of the screens without even realizing that Ditech wo n't include the late fee 's on their pre-populated " payment amount '' box. 

By leaving the {$50.00} late fee off, next month that late fee will grow and grow..and grow, leaving Ditech with a nice little bonus. Multiply that by the amount of loans they service and it probably adds up to a very large number. 

They have a very sophisticated portal, so I can not imagine this being a technical limitation. I mean, all they would need to do is pull a different number into the form ( instead of the monthly payment, pull the current balance ). Alternatively, they could include my late fee amount on the payment form, in red. 

They are a massive company that has been in business for a while, so I do n't see this being an accident either. It looks, smells, and feels like deception.
Last week i attempted to secure a credit card from XXXX XXXX ; i currently have a savings account with them. This was opened XXXX week ago. I was informed that the card was being denied ; that among the reasons was that my wife and i had too many credit obligations and that there was a collection notice in my file under Experian. 

The only collection attempt that i can recall may under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was would be about XXXX years ago. 
I had enrolled in the above service and then attempted to cancel the next day and was informed it was too late to cancel. 
When the prescriptions arrived from XXXX ; i refused to accept the package. 
If this is the collection notice on my credit ; i am disputing being charged for any orders that was never accepted. 
I notice that XXXX has parted ways with XXXX XXXX.
Transworld System Inc has contacted me three times, once at home and twice at work. All three times I have informed them that I paid XXXXXXXX XXXX XXXX and they keep telling me it is not paid. 

The amount in question is XXXX Dollars. 

XXXX XXXX received it no later than XXXX XXXX, 2017
XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous e-oscar verification that is causing so many consumers trouble
Dear Sir or Madam/To Whom It May Concern, Please be advised that I have filed several complaints since late XX/XX/2018 with the CFPB ( Consumer Financial Protection Bureau ) regarding the improper investigation ( s ) of negative credit item ( s ) on my Equifax credit file. 

On several dates since XX/XX/2018, through the CFPB complaint filing system, I requested that inaccurate/erroneous items that were illegally being reported to my credit file with your agency be deleted. You refused to do so and claimed to have verified these items. I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter. You failed to provide me with that information and again failed to delete the negative items. I am again requesting it be deleted. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with the CFPB. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SST # XXXX I am again attaching the newest documents and older documents from two previous FDCPA requests of debt validation. Again, no contract or evidence of personal liability to XXXX XXXX. Only the corporation is liable for the debt and not the individual. Reapplying this false information to my personal credit file is a violation of the FCRA. 

Thank you, Dr. XXXX XXXX XXXX XXXX XXXX XXXX
My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.
The reason for my complaint is because this company did not provide all the services that I paid them for. It was XX/XX/2017 I paid XXXX XXXX XXXX {$2500.00} for these services. 

It all started back in XX/XX/2017 I saw an ad on XXXX about opening an online store, I saw this and was encouraged thinking it would help pay the bills since I no longer have been able to hold down a job due to physical problems. I was contacted by several companies but, One of the companies I paid in all this fiasco was XXXX XXXX XXXX the representative who contacted me seemed so genuine at the time and was very compelling, he made it seem so easy and that I could greatly profit from this investment. Even though I expressed not having much knowledge to all this, he persuaded me and agreed to set it all up for me and I would not have to do much. He talked me into opening more credit cards to pay for all this. It didnt take long once they got my money for him to desert me. I didnt realize it then, but I was taken advantage of because I was an easy target, gullible and a XXXX-year-old woman that just coIt alluldnt remember anymore as well as they did. Today I am in serious financial difficulty for trusting this person to the point that I might have to file bankruptcy. Please help me get my money back.
I went to XXXX XXXX and that school shut down due to Fraud. My Degree in XXXX XXXX is worth nothing to me since we didn't learn anything. Our professors and teachers gave us the answers to all of our exams. Everyone in our class always passes with great numbers. I don't anyone ever got a C in any of our classes. everyone passed with an A or a B at most. I am now stuck with a huge student load and not working in the field I went to school for. It's like I took out a loan for absolutely no reason. 
I am the only one working in my household and supporting XXXX kids, wife and a Grandmother. I do not have the fund or make enough money to make this monthly payment. I have spoken to the company who holds my loan and told them my situation. They have not done a single thing expect gave me a 2 month deferment and then raised my monthly payment. If I couldn't afford the original payment how can I afford a higher payment. 
I need some help and any help world be highly appreciated by my family and I Thanks,
I have been attempting for several years for my mortgage servicing company ( SPServicing ) to remove the private mortgage insurance from my loan. Several years ago they were provided an appraisal from a licensed appraiser that also showed the loan to current value below 80 %. I have also made sufficient extra payments to have the loan at 65 % of the original loan value and they still refuse to remove the PMI. Multiple attempts to correct this have been made in writing, to which SPServicing only responds with a form letter advising they are following company policy.
I have my mortgage with Chase, they have a system whereby you are able to pay by phone, the system acknowledges receipt of funds on the day the payment is processed subject to you providing you providing your routing number and checking account number. Upon receipt of my statement, Chase reflected that the payment was processed a day later and charged me a {$25.00} late fee. This has happened on XXXX occasions to me this year. In the past when I called they acknowledged a 'systems glitch ' but this time they would not refund the fee after spending nearly an hour on the phone and speaking to multiple agents. How many customers are charged fees like this every month, its an obvious attempt to delay the posting of payments to rack up late fees. I would like the XXXX to investigate my case and the overall business practice here. Since mine is a HELOC, the late fee is fixed, however on traditional mortgages the late fees could be significantly higher. Thank you in advance for your assistance in this regard.
I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through Transunion nor XXXX. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.
I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.
I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.
On XX/XX/XXXX I paid {$18.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I received confirmation that Experian received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I again, paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. There are fraudulent/unauthorized inquiries which I did not authorize nor give permission to run on my credit. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Experian has 30 days to review and remove my ( consumer ) complaint. 

It is now XX/XX/XXXX and It has been OVER 180 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible. 

In this process of fraudulent/unauthorized inquiries and trying to rectify my credit, I have paid over {$140.00} to resolve this urgent matter.
Bait and switch.. Prequalified and they even did a hard pull afterwards. Talked to a rep who then turns around and says, Oh, your collateral isnt of enough value so we wouldnt be able to proceed. I ask what value it came back as, they say, they dont have that information. These people are absolutely ridiculous and dishonest. I would never do business with them. Ever. Now I have another hard inquiry on my credit.
I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made