WillisBack/dataset-financial-user-claim huggingface dataset:
I received an offer to get XXXX XXXX miles from Citi Bank after opening a Citi Gold account and completing the requirements. I received a letter in XXXX stating that I had completed the requirements and I would receive the points within 90 days. The deadline I was given was XXXX XXXX. I did not receive my points so I chatted with Citi and spoke with XXXX on XXXX XXXX. I was told I would have an answer by XXXX XXXX. On XXXX XXXX I still had no answer so I chatted Citi online again and spoke with XXXX who told me I would get a response by XXXX XXXX. 

I called Citi on XXXX XXXX and spoke with XXXX who said he was opening up a second investigation into the situation. He said we would hear something by Wednesday XXXX XXXX at the latest. 

I called today and spoke with a manager named XXXX who said Citi had " run out of miles '' so we could not get them until at least XXXX. 

I have been told so many different dates and none of them are true. I have waited long enough and I need help figuring this out.
Information deleted from my file a year or two back that I disputed is re-appearing on my file. I previously sent Early Warning a police report and other documentation and as per Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) they are reporting inaccurate and previously deleted information on my report.
I have never banked with this financial institutions or had this bank accounts ; Bank Name : XXXX XXXX XXXX - XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX  Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX  Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date :XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Previous Account Status : Savings Post No Debits Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date :XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX There is also a listed transaction that I do not recognize been reported on this file.
Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX XXXX  {$200.00} Account Closed
I attended XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I currently owe {$56000.00} in loans. I am just beyond upset and frustrated that I am paying back a loan which charges $ XXXX/day in interest to a company that took over my loan from XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX and unknowing at the time I now know that their financial issues were an issue way before I graduated. I do not feel that it is my responsibility to continue to pay for this loan, the company my loan is with they should be forgiven. The interest I am paying alone with this loan will have me in debt with this for my lifetime and that is just not fair seeing as how the school closed and went bankrupt. I am a single mom and was a single mom when I attended XXXX XXXX. To have to owe {$56000.00} to a school that no longer exists is just mind boggling. I know I am not the first to complain about this and I may be a little late with my complaint but financially this is going to be such a burden on me and I just want for this issue to be looked into a little further.
My Pay pall smart connect account was stolen and used to make purchases in an amount of {$500.00}.
Closed credit card account last XX/XX/XXXX. After informing Chase in writing to close the account they contacted me via telephone and and confirmed that the account was closed and the balance was XXXX. In XX/XX/XXXXI received a notice that there was a balance. Apparently after my notification to close they account they posted two more transactions for a total of about {$80.00} to the suppedly closed account. They did not communicate this to me but have been applying late fees and interest without advising me. The amount is now about {$260.00}. The late payments are also reflected on my credit report.
I called and asked Navient to stop robo calling me and my cosigner 's phone number because I was XXXX days late on my XXXX. I told them what date I would be making a payment and tell me that because it is an automatic dialer they can not stop the harassing phone calls. 

I just want them to stop calling. Can I get some assistance with that?
The lender Ethos Lending charged lock extension fee unnecessarily when they had required conditions in house for 10 days or more. Lender kept insisting on stamped received tax return when the return was already e-filed by tax preparer. We explained many times to the underwriter that the IRS will not re-stamp a e-filed tax return because it would require a new confirmation number and that it would confuse the IRS system. The Underwriter did not believe us until they charged us the {$650.00} lock extension. Then all of a sudden it was a non issue. The borrower was a XXXX and I had promised him a no fee loan. I as the broker had to reimburse him for the {$650.00} after the loan closed or he would have cancelled the loan. I repeatedly had asked XXXX XXXX the Sales Manager to refund me on this matter, however most of the time he did not return my phone calls or e-mails only to say that he would look into the matter. 
I think this is a way for them to make more money on their loans by having the lock period expire and then charging the broker for a lock extension. Their administrative side is also lacking because you could not talk to a underwriter directly. Only by email and most of the time you did not get a reply. Their former XXXX XXXX XXXX will testify that this is the truth as he agreed with me that it was the lenders fault for letting the lock period expire unnecessarily. I have enclosed a letter from the sales manager stating that he totally agrees with my argument and will go higher up for a solution, however nothing has been done to this date
The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.
I applied for a CITI mastercard after they bragged about offering a 21 month 0 % interest rate to roll other cards to. I have a XXXX FICO credit score that was just reported to me by a creditor, I have a card I wanted to roll to them with XXXX limit. They did not approve I called their number and it said because I filed bankruptucy, I have an old discharged bankruptucy that is not on my credit report and I have not been turned down for credit by anyone for this reason since it has been discharged for quite a few years now. The old bankruptucy was for medical bills and debts, not my home or car. I have even refinanced my mortgage without problems and leased 3 cars. I was told the bankruptucy was off my record after the discharge, which has been some years removed. I do not think this is fair if Citi Bank was able to get these records and I want to get an attorney. I applied for this card on XX/XX/XXXX and just found out XX/XX/XXXX when I called their XXXX XXXX and entered my SS #. I feel I was treated unfairly, I pay all my bills and have a XXXX FICO score and was just told that by a company this month who said I have excellent credit. I feel very frustrated and do not think CITI has the right to deny me for this old history. I do want to seek legal action against them.
Equifax has ignored my request to provide me with their verifying information they said is on file. It 's been past 30 days and they have not been able to verify the information. They are required to do so under section 611 ( 5 ) ( A ) of the FCRA or promptly delete all information. Please resolve this matter asap. Thanks
I have notified Equifax of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XXXX XX/XX/2017 2. XXXX/ XXXX XX/XX/2017 3.  XXXX XXXX XXXX XX/XX/2017 4. XXXX XX/XX/2017 5. XXXX XX/XX/2017
XXXX XXXX FSA-ID Student Help Center Citrix XXXX Department of Education These are all the companies associated with this scam - which is essentially funneled through one company - XXXX aka XXXX. 

This all happened between XXXX EST to XXXX EST on Thursday, XX/XX/2018. 
The phone he called me from is : XXXX and the email he used to email me was : XXXX. 

The address signature and other info in his email is as such : Processing Dept Customer Service : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX He proceeded to direct me to : XXXX, claiming he was working with the Department of Education, telling me my loans were being converted from Navient to a company called XXXX. I have saved all the emails. 

He also apparently created an ID for me in the website : https : //fsaid.ed.gov and hacked his way into that as well. I called FSAID and they were absolutely no help when I told them that my identity had been stolen and I was a victim of fraud. They kept me on hold for 10 mins and never once apologized for what was going on. 

The other emails came from : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The guys supposed name is XXXX XXXX. He told me he was working the department of education and federal government under the Obama and Trump initiative to help lower student loan payments for people in debt. I did fill out a form on their website and he called me directly and that is when he proceeded to impersonate a government affiliated official. He asked me for my driver 's license number, my social security number, my debit card account number, home address, email, mobile and finally asked me to email him 3 pay stubs from my job which have the last 4 of my banking account number. 

He scammed me out of {$500.00} that I was saving to make an interest payment on my student loans. What kind of person hears your story and then capitalizes on your pain? I'm sick to my stomach about this and can't believe I fell prey to such an evil person. Be aware.
On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XXXX, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
I spoke with a  XXXX . She claimed that this was a debt for  XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.
I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.
The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, XXXX and TransUnion. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.
I wrote on at least two occasions disputing the validity of two accounts. The first disputed account does not belong to me and I have been disputing this account for seven years, according to my credit report which states that an account was opened on XX/XX/XXXX and was closed with a balance of $ XXXX I forwarded a copy of my SS Card and my drivers lic accompanied with a letter disputing my credit report. I was seeking a security clearance with the federal government, due to reckless reporting practices, I was denied employment and I'm contemplating legal action against the credit agency. I would appreciate any and all help to rectify the situation as soon as possible. 

I took the same actions with letters and Identifying information forwarded to the reporting agency, I was told that an investigation had been conducted, I then forwarded a certified letter to the agency asking what methods were used to verify the misinformation, needless to say I didn't receive a response. The amount of the stated debt is {$1800.00} and opened on XX/XX/XXXX.
received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}
When Costco changed from American Express to Citibank- my balance was high and I decided to close this account and pay it off. I had set up 2 payments of   XXXX   each month with a  XXXX  total payment each month. On   XXXX   XXXX  , Citibank withdrew   XXXX   from my account. When my husband called to complain of the mistake, we were told that they would refund   XXXX   within 3 days. We checked for this with our bank several times and then on   XXXX   XXXX   we noticed that Citibank withdrew another   XXXX   from account. Both times wiping out this account and causing fees for unpaid transactions. When I called the second time I was told the previous refund request was denied due to being over the limit. I also spent 1.5 hours with 4 different folks attempting to resolve the issue ending with a " we 'll call you '' resolution.
I have called my bank and attempted to stop payment on this transaction but it my be too late.
To sum up, within 3 weeks this company has yanked over 2,000 dollars from my account when there was an agreed payment of   XXXX    per month. I have requested to be removed from auto-pay and think the company owes me money to cover fees from the first money yank from my account. I feel that I have tried to work with Citibank and their actions are shifty and dishonest.
I attended XXXX University from XXXX and was wondering why my federal, private loans and parent plus loans werent forgiven? Considering all the false advertising the school admitted to making. Also considering the school settlement with the FTC to pay students back and forgive their loans for students who attended that school from XXXX. I did receive a small {$300.00} from the FTC settlement with XXXX but that is nothing to the $ XXXX in student loans I have attending that school. I currently cant even make enough to pay the loans back, even under the IDR plan my payment is {$0.00} for my federal loans. But yet how can I go on living knowing that my student loans are still growing in interest. I currently have a Borrowers Defense application getting processed but it isnt 100 % they will forgive my federal loans. But what about my private loans and parent plus loans? Would I still have to pay all of that considering the school false promises to me? I hardly make enough to support my XXXX kids and each month my loan payments for the private loans are about $ 200+ Currently. Struggling at months to even provide enough food and clothing for my kids! Please help me with the options that I have to deal with my private loans. I thought according to the FTC, XXXX was suppose to have already forgiven my loans because I attended that school exactly in the time frame of the school fraudulent advertisement, but I havent seen or heard anything from the school at all. Please help ... All of $ XXXX I have in student loan debt is from attending XXXX only and I have a XXXX XXXX that does nothing for me.
Information that I have a current derogrtory account was falsely furnished to Citi, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
My credit monitoring service has flagged a hard inquiry from CBNA, XXXX XXXX XXXX, XXXX XXXX, IA XXXX on XXXX/XXXX/2016. Online research seems to indicate that this is Citibank. While I have held Citibank cards for many years I have neither used one recently nor have I applied for credit with Citi. I have not authorized this hard inquiry and want it removed from my credit report ( so far at XXXX ). I have had some attempted credit fraud earlier this year and want to be sure that this is not unauthorized activity but can not seem to get any response to my inquiries at Citi.
This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX