WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Citi Bank CitiGold checking account which provided for a bonus of XXXX ThankYou Points upon meeting certain criteria. That criteria was met and confirmed by Citi no less than 4 times via secure messages and telephone calls. It took approximately a month and a half of repeated calls and e-mails to get Citi to honor this offer and deposit the XXXX ThankYou Points in my account. When the offer was finally honored, I transferred the points to my ThankYou account tied to my Citi Premier credit card and requested that the checking account be closed due to the poor customer service and needing to waste hours of my time following up with them to get Citi to honor their offer. I was explicitly told during the phone call where the checking account was closed and the points were transferred that I would have 90 days to redeem those points. Approximately 70 days after those points were transferred and the checking account was closed, I noticed the points had been deducted from my ThankYou account balance. When I inquired with Citi as to why, I was told that because I closed the checking account, that Citi was only allowing me 60 days to redeem the points. At no time was this ever communicated to me, and if fact this was in direct contravention to what I was explicitly told by Citi 's own representatives when I transferred the points and closed the checking account. The points have a value of ~ {$500.00} when redeemed for flights - which is what I intended on doing with the points. I have made a request that Citi honor the terms of their representative 's statements to me about expiration date of the points, and Citi has denied the claim. I either want the points reinstated with 30 days to use them, or for Citi to compensate me for the ~ {$500.00} in damages Citi has caused by not honoring the terms of their own agreement.
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
XXXX and Experian responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if XXXX  should be shut down. They are extremely shady and dishonest. 

Experian refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!
XXXX refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then XXXX  should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and Equifax is reporting 6 unauthorized hard inquiries and refuse to remove them also ...
Paramount recovery has been carring a debt XXXX since XX/XX/XXXX on my credit report, I have requested a copy of the original bill I keep getting a ledger copy with no information of what it was for. The billing was disputed, as any bills would have been paid by my employer insurance at the time. What I keep getting ( lrdger copy ) is showing line XXXX and sent to Paramount XX/XX/XXXX. I recently inquired again, and I received the same information in addition to a letter address to XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX Acct # XXXX billing for XXXX. I will send XXXX XXXX information to him, but I am concerned Paramount is send customer information to other customers. XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , TX XXXX Payment Information Toll Free XXXX
XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.
I have a mortgage account with Wells Fargo Bank. I had a overage in my escrow account which they sent me a check for. I do not have any other accounts with Wells Fargo Bank. I went into a branch to cash the check and was told I did not have an account with the bank and would need to pay a {$16.00} fee to cash the check which was made out to me and my wife drawn on Wells Fargo Bank. The branch manager got involved when I asked why a fee when I have an account and she told me the mortgage account did not count as an account for cashing a check. She suggested I could deposit it into my mortgage as a principal payment but would not cash it for cash. My wife has also signed the check but after discussing waiving the fee she refused to process the check without my wife present.
Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.
I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.
I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. 
Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. 
Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.
XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.
A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the  payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.
Reference recently closed complaint XXXX dated XX/XX/XXXX. This company has begun aggressively calling my house again after telling me through the CFPB complaint process that they would stop bothering me. They have began calling daily, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. As you can read from previous report, the company is looking for XXXX XXXX, the son of my home 's previous owners who sold to us in XXXX. This person has not lived here since XX/XX/XXXX and the company has been told this multiple times.
Immediately after three separate failed attempts by a XXXX number exactly 1 minute apart to contact me on my cell phone, my wife got a call from a " local '' number on her cell phone XXXX which she answered. The person was claiming to be XXXX XXXX ( a courier ) that would be delivering law suit paperwork if I did not call XXXX and give them reference number XXXX. So I called the XXXX number listed above and was told that the company name trying to collect was Global ( nothing else " just Global ). They claimed that I acquired a payday loan which now has accrued a balance of XXXX. I asked them what the original loan amount was that was taken out and when it was taken out ( both of which they could not answer except to say, " we ca n't see that on our end '' ). I then asked him for Globals mailing/street address, contact telephone number, debt collection license number, and a validation letter. Once I did this I was asked to be placed on hold. After a brief hold I was then " transferred '' to the complaint department ( to my surprise ). I quickly restated the previous questions in the same order and then the women ( whom never would give me her name ) got angry and told me to do better research on what to ask of debt collectors and then got hung up on. Shortly following that conversation I received a call from a " NO CALLER ID '' and it was XXXX XXXX again. He was threatening to deliver paperwork to my place of employment Envoy ( which is n't even accurate ). I asked him who the debt collector was and all of the same questions to which he had no answers to. He just kept threatening me with being served papers and asking where I was and when he could show up. I told him to come to my house to deliver them and I 'd be waiting for him. He then stated numerous times that he would come to my place of business and ask the president of my company where I was currently even though I had just told him I 'd be at home. I laughed. He then kept asking me if I thought this was a joke etc. I finally said yes I think it is considering I have never taken a loan out and that no one could offer me any sort of legitimate answers to my simple questions. My assumption is that is a total scam. Therefor I am formally filing a complaint in hopes that the CFPB can begin an investigation against this apparent scam.
I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
I was never late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Date : XX/XX/2015 Amount : {$19000.00}
My account was moved from Ditech to XXXX on XXXX/XXXX/XXXX and I submitted my XXXX payment in 4 payments for XXXX. I called twice a day to ensure they gave me credit for XXXX/XXXX/XXXX. All documents sent to XXXX to find them in un applied funds and an escrow account. Di tech undermines the home owners and lie and cheat do we can go into forclosure
I have contacted XXXX ' XXXX and the credit bureaus regarding the reporting of my account. When I last retrieved my credit report, I noticed that XXXX XXXX XXXX   last reported my payment history in XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report and XX/XX/2018 on my XXXX report. I reached out to XXXX XXXX XXXX and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with XXXX XXXX. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments to date.
I entered into a thirty day escrow to purchase a home on XXXX XXXX XXXX. I had been in contact with Sierra Pacific Mortgage prior to the offer and they indicated a willingness to serve as my mortgage broker. Upon opening of escrow Sierra Pacific Mortgage proceeded to start a loan application process. I received a mortgage report on XXXX XXXX XXXX and a request for documents required to process the loan from the Sierra Pacific Mortgage office at XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX. Close of escrow was identified as XXXX XX/XX/XXXX XXXX. All documents requested by Sierra Pacific Mortgage were provided to them by XXXX XXXX. The documents included copies of my joint XXXX and XXXX tax returns. I had not yet filed our XXXX return. Sierra Pacific Mortgage also requested a form XXXX be completed and signed by myself and my wife. This was done and provided to Sierra Pacific Mortgage on XXXX XXXX. A Uniform Residential Loan Application was completed and submitted to Sierra Pacific Mortgage on that same date. Sierra Pacific Mortgage made a request for some detailed information on XXXX XXXX which was promptly provided. On XXXX XXXX we received an email from Sierra Pacific Mortgage saying ; " Great news, we have loan approval and you can release the loan and appraisal contingencies. '' We did release the loan contingency on this advice and that of our realtor. In fact, the loan was not approved and ready by the agreed to closing date of XXXX XXXX. We were forced to submit a Closing Date Extension request to the sellers which they accepted with no penalty to us. A new closing date of XXXX XX/XX/XXXX was requested in the extension. Additional loan-related information was requested by Sierra Pacific Mortgage on XXXX XX/XX/XXXX and promptly provided to them. On XXXX XX/XX/XXXX I asked Sierra Pacific Mortgage, " Did we provide everything you needed for the last set on contingencies? '' The reply was, " Yes, I believe so. I sent everything to the underwriter this morning. These conditions get reviewed and signed off, we will be able to get docs early next week. '' The XXXX of XXXX XXXX was a Saturday, upon hearing this clearly closure on the XXXX was not going to be possible. Our realtor sought another Closing Date Extension from the sellers. The sellers accepted but this time sought compensation ; " Sellers credit to buyers of closing costs per Addendum No. XXXX dated XXXX XXXX, XXXX shall be reduced from XXXX to {$1000.00}. '' We accepted rather than risk losing our entire deposit but lost {$1000.00} by doing so. We received word on XXXX XX/XX/XXXX from Sierra Pacific Mortgage ; " We have funding the loan and will let you know once XXXX XXXX XXXX has received the wire and property is recorded with the county. " We feel Sierra Pacific Mortgage lead us to believe they could provide a loan within the original XXXX escrow time period, and continued to do so at Loan contingency release, and also during the XXXX extension to XXXX XX/XX/XXXX.
I can't access my Wells Fargo checking account. I have two credit card bills due this week, and I want to pay my mortgage.
I am a senior citizen from XXXX. I got a student loan at the XXXX University XXXX in XXXX XXXXXXXX My only income is Social Security. I had been asking for forgiveness for the loan. For the last years, I had XXXX XXXX a wife with XXXX and no jobs available in XXXX. The U.S Department of Education prequalified me for forgiveness. And told me some papers were in the mail to be sent to them. But Navient the loan server asked me to start paying $ XXXX month. Then they placed me on the credit bureau, but I challenged them and it was deleted. 
The loan was for {$38000.00} approx. Navient says now that is {$58000.00} principal. And they had added about {$70000.00} in interest only. With my Social Security there is no way I could pay this amount until my death. My wife and I are married under a legal prenuptial agreement. We have separate accounts. I do not own any assets such as real-estate. 
Recently I lost a home which was given to me by my parent 's will. The bank made a foreclosure. Our home belongs to my wife, she got it before our marriage. It is my understanding that the feds. could not garnish Social Security deposits. 
Please help to find and honorable forgiveness, I got a XXXX XXXX and a XXXX was placed in my XXXX. I worked years ago with the XXXX but did not accrue retirement benefits. 
Please have mercy on my situation. XXXX Bless You? 
XXXX
I have received phone calls from Premier Recovery Group ( XXXX ) XXXX at my place of employment. The first time it was an extremely rude gentleman on the phone who I kindly requested to not call my place of employment. He stated " that does n't work for him '' and continued to harass me about when I would pay him so I had to hang-up. A few days later I received a call from the same company while at work, but this time it was a woman stating she was told by her coworker that I wanted her to call me back while I was working so I could give her my information to give her money. I told the woman that was false and asked her to please not call me at work - she continued to get increasingly harassing so once again I had to hang-up. The same woman called right back to my place of employment and proceeded to tell my coworker who answered the phone that she is sending paperwork to garnish my wages from my paycheck because I wo n't pay her and asked my coworker for the office fax number. I have asked Premier Recovery Group on multiple occasions to not call my work and now they are telling my coworkers I owe debts and they are going to garnish my wages. My boss caught wind of what was going on and now he wants to know why somebody is repeatedly calling the office and threatening to garnish my wages. Premier Recovery Group has crossed the line in several different ways. Premier Recovery Group CAN NOT disclose personal information to my coworkers about personal debt or say they are going to garnish my wages nor can they continue to call a professional business when they have been told not to contact me at my place of employment more than once.
I initially went on XXXX to get my free credit report. After I chose XXXX it said I had to mail in a letter by mail and get it mailed to me. I was going to look at a house and wanted it immediately, so i followed the link to Experian. It said I could view my credit report for {$1.00}. In fine print it said I was signing up for Experian XXXX XXXX services and would be charged {$1.00} per day which I did not realize. Once I saw daily {$1.00} charges from Experian in my credit card transactions I called to cancel. They assured me there would be no charges and I had caught it within the 7 day " free trial '' period. This was on XXXX XXXX. Then on XXXX XXXX and XXXX XXXX I was charged for {$24.00}. I called XXXX, XXXX XXXX and they verified that my account was inactive but found that XXXX people signed up for their services using my credit card number. These are the only unauthorized purchases on my card. I find it convenient that their response to this was to call my credit card company rather than reimburse me and report it as fraud. And then of course they tried to sell me their services. They want me to give them MORE money after they just put me through this hassle and allowed people to charge my card in my name. I find these extremely deceptive from a company that is supposed to be helping to protect people 's credit. Did they have a security breach in the last month that I dont know about? I dont know how anyone could have my card number and why they would use it just for credit report services. Now I will have to watch my credit reports but I will definitely not be giving them a dime. Especially when they are unwilling to refund me these charges. I dont believe my credit card company should be responsible for refunding me those charges. 
XXXX XXXX, Certified Financial Planner ( TM )
I continually receive multiple unwanted SPAM emails from this commercial mortgage broker every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

Hi XXXX, Please remove my email address from your automated emails and marketing : XXXX Thank you, Live Support Chat Your Name : [ XXXX ] Hello! My name is XXXX. May I have your name please so I know who I 'm chatting with? 
[ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] mailto : XXXX  [ Visitor ] Please remove my email address from your automated emails and marketing XXXX Thank you [ XXXX ] I have that noted. may I have your name please? 
[ Visitor ] XXXX [ Visitor ] I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you [ XXXX ] Alright. Thank you for contacting us. Please do not hesitate to contact us again if we can be of further assistance. Take care! 

I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you Thank you, XXXX
During my XXXX I was insured by medicaid. I was under the impression that medicaid would cover all cost. When i called the collection agency they mentioned to me that this debt could have been from the XXXX/XXXX that was given to me.