WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased cruise from XXXX on XXXX XXXX, after logging in to CiTi 's Cash Bonus Center and did everything as CiTi recommends, that is first I logged in to CiTi 's Bonus Cash Center and then clicked link to XXXX web site where I signed into my XXXX 's account. All this time, CiTi 's Bonus Cash Center web page was open as required for getting XXXX % bonus points. XXXX website required to call them to get some awards for the cruise. I called and worked with XXXX 's cruise salesperson who told me repeatedly when asked that paying on phone while you are on XXXX site linked from the CiTi Bonus cash center is the same as paying on line. 
CiTi refused to pay bonus points of XXXX % and refused my appeal on the grounds that I did not make purchase on line but on phone and what a third party ( XXXX ) who is their partner in their marketing and advertising and promotion does NOT matter and is irrelevant here. To me, if you partner with someone, you have joint responsibilities to honor your commitments. 
It seems to me that CiTi is looking for a loophole or some technicality to refuse to pay when I am out of significant amount of cash. 
XXXX
CBE debt collectors continue to call me daily, several times a day even though I have asked them not to call my cell phone. I have logged XXXX calls since XXXX, with today being XXXX. They need to stop calling and mail information if they think I have a debt to them, although, I have never heard of them until now.
Select portfolio servicing , Inc . 
XXXX XXXX XXXX XXXX, Ohio XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX are attempting to foreclose on my property at XXXX XXXX XXXX XXXX SC XXXX 1. They have denied my modification. 
2. They are foreclosing on me with an assignment that was fraudulenty created and robo signed. 
3. They pooling and servicing agreement that was filed with XXXX securities exchange clearly indicates that all conveyance were to have been done 90 days within the cutoff of the trust. 
4. The loan was placed in the trust 6 years after it closed. 
5. XXXX XXXX XXXX did not respond to my debt validation and Select Portfolios did not respond properly to my written requests. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form.

XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
I paid Citi Bank XXXX XXXX AAdvantage credit card approximately {$37000.00} so I could use the card to pay some medical bills and their website said the funds/credit line was there to use. Every time I tried to use the card the charge was denied. I have spent four one hour phone calls with them and they still have not resolved the issue. They are holding my money hostage.
I just recently open up an account with CHASE Bank, direct deposit from Social Secuirty, I '' m XXXX years old, widow & XXXX. On XX/XX/2016, after receiving my benefits from my late husband job, paid bills online. Then on XXXX, @ XXXX on XXXX in XXXX, TX trying to pay for a purchase, card declined. Thank God there was a CHASE bank nearby, left there with my daughter & granddaughter went into the bank to check balance, printed copy of transaction. I Immediately spotted an unauthorized charge for {$100.00} by AMAZON. The teller referred me to a Banking officer, who in called the Customer Service Claim Dept regarding the charge. The CSR ( XXXX ) time XXXX -XXXX, informed me I had to call Amazon to cancel the charge for a membership. I went home and called Amazon @ XXXX CSR ( XXXX ) informed her about the unauthorized charge to my account for {$100.00}, she then transferred me to CSR ( XXXX ), who informed me it would take 3 to 5 business days to cancel charge and credit. I asked for a confirmation number regarding the transaction, she stated I would receive 2 emails. I did receive the 2 emails, in return called CHASE Customer Service Claims back spoke with CSR ( XXXX ) that I spoke with Amazon regardingt charge, sending emails confirmation. I asked the CSR if I would fax the information to them, no problem I would go ahead and reverse the charge. CHASE refusal to accept the emails, ended up credit the account twice, after AMAZON had already credit the account.Then this week deducted their mistake from my account, causing me problems regarding paying my bills, where I can to make payment arrangement and do a bill in a cash payment instead of BILL PAY.
I have just received a foreclosure notice from Ocwen LLC they have not honored the loan modification took all my payments, did not apply them extended my loan to XXXX months and have told me repeatedly that it was being " taken '' care of but the modification department needed time to review everything and that it takes time. They went from " we are on your side '' to " sucks for you '' my Loan was at XXXX and despite payments they have increased it by XXXX to XXXX and not applied XXXX penny to the account, in addition I sent them proof of every payment made and cleared and they have not updated their system. I have at least XXXX equity in my property, they are basically trying yo steal it from me. They have made me complete at min, of XXXX loan modifications, because they messed up the paper work, giving different amounts to be paid, some as small as XXXX they sent me paper work for a payment of XXXX each month to XXXX then would not cash my check and returned it to me because they mad an error and the new amount was XXXX. A XXXX dollar difference. I have complained to XXXX and Ca department XXXX oversight and they have done NOTHING! I have ALL documentation and correspondence. I have bank records and even had XXXX bank call with me and they are not acknowledging my PROOF of payments and could care less.
I have tried to fix this problem but have had no help! they refuse to provide and fix incorrect information.
On XX/XX/2019, I had noticed my Chase Visa debit card was not working, I tried my other one and it didnt work either. I checked my app and I had plenty of money to purchase the diapers and other supplies for my daughter. 

That same day, I had went to a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, where I decided to withdraw {$8000.00} so I could have cash ready for every day purchases due to the unknown debit card issue. That same visit I brought a check for {$360000.00} to put into a business account I intended to open that day with Chase Bank, when I tried to withdraw the money from my personal account the teller had a problem but had no information as to why. The branch manager worked with me and we found out that Chase Bank closed my account, I also had a pending ACH for {$25000.00} going to my personal account which had not hit the account yet. That day I had also noted that my debit card ending in XXXX was used multiple times in Texas fraudulently. I called Chase Bank to report the charges, the agent told me I would receive a credit for the charges while they investigate the claims, However Chase Bank did not credit my account accordingly.
In XX/XX/XXXX, I was told by my loan holders that I could apply for loan forgiveness if I consolidated my loans. I asked who I need to consolidate them with in order to get the loan forgiveness and was told there are several loan companies and the one they recommended was XXXX. 
Once I consolidated to XXXX, I asked how to get student loan forgiveness and was told my only option was that my loan would be forgiven after 25 years in repayment but I could apply for income-based repayment ( IBR ). 
I applied and was approved for IBR and was fine with 25 years because the amount that I needed to repay was something I could NEVER afford. 
I was in school for XXXX  XXXX XXXX but in my last year of school was given a XXXX  and not allowed to return to school. My appeal was denied. I then had the loan of a XXXX  with the income of a XXXX. 
Because so many things bad happened, I came to realize 25 years was better than never having the loans off my back. 
THEN, I heard about public service loan forgiveness so I had my employer send in a verification of employment and was told I did not qualify because my loans needed consolidated. I told them that I had my loans consolidated but then was told the loans needed to be with DirectLoans. 
I IMMEDIATELY sent in my application to consolidate with Direct Loans and am now on the right track. 
BUT, my complaint is the numerous times that I was misdirected by the loan companies. In particular, I had a time period from XX/XX/XXXX-XX/XX/XXXX where XXXX told me I was in the loan forgiveness program and in fact, I was not! 
It was not until I read an article that OTHERS were also DUPED that I realized this is happening to more people than just me. 
It must be understood that I went through a traumatic experience when I was kicked out of XXXX XXXX. I was preyed upon by these loan companies because my loans were HUGE AMOUNTS!! 
I now owe over {$340000.00} in loans that are held by XX/XX/XXXX ( {$320000.00} ) and XX/XX/XXXX ( {$16000.00} private loans ). 
I have written several politicians with no response. I've even written the President of the United States of America. 
I need help and will give you all information you need! I will attache the documents I have readily available. 
I trust you are the one that can direct me to a solution! 
* ( Please note : I attempted to acquire previous loan information from XXXX, XXXX XXXX, XXXX, NelNet, XXXX XXXX XXXX, and all other lenders that my loans were transfered between, but was told there were no records under my social security number. ) Thank you for your time! 
Kindly, XXXX XXXX
I am filing this complaint against Equifax ; because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soon as possible. Thank you for your help.
I had always paid my mortgage online every month with a mortgage company and they always show that they receive my payment. However, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
XXXX mortgage. First Delinquency XXXX XXXX when the company was still XXXX XXXX. Company transferred to XXXX XXXX XXXX and XXXX reset our delinquency as XXXX XXXX. Foreclosed XXXX XXXX Credit Reporting Agencies refuse to delete the account from record despite it 's being almost eight years since first delinquency. They are now telling us we have to wait XXXX years from " last activity '' which was the last time XXXX took payment from us. XXXX is bankrupt as of XXXX and therefore not reachable. Equifax dispute number is above but all three agencies are uncooperative.
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
I have attempted numerous times and have disputed information pertaining to my XXXX and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
Repayment issues. 
I was entered into the XXXX program for XXXX years, payments were based on certain criteria and payments were manageable. XXXX ( and circumstances ) have not changed in XXXX years ( I have more debt actually than years past ) and suddenly payments have gone from under {$30.00} a month to over {$300.00}. Seems like Navient 's XXXX program has had a change in calculating their new repayment terms, or I am, again, getting screwed by XXXX/Navient.
I received a letter from Avant that indicated throughout that I was pre-approved for a loan.There was no indication that their application would require a hard request on my credit or that it would make a difference if there was. They made that request and denied my application. If I can not get that loan based on the information I was given, I want that request removed from my credit report.
XXXX XXXX XXXX XXXX. This Student Loan was discharged XX/XX/2016 by the SSA due to my permanent XXXX. I am currently receiving XXXX payments.
stated at the time that I 'm unable to make payments due to be laid off from work and XXXX in my XXXX XXXX. I asked for all calls to cease but company is still trying to contact me .I received a phone call today from my old employer stating that the company was calling for me and that this was a disturbance. I can not pay this bill at this time and all the phone calls and email communications are putting me at risk for XXXX XXXX.
TransUnion had a glitch in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed be REMOVED.
I am being sued on credit card debts. Despite being notified of my current address, and mailing notice to sue to my current address, Einstein and Associates PC, located at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX continues to serve these papers on my parents, grandparents, aunts and neighbors at an address in XXXX XXXX, harassing my parents and embarrassing me, while being fully aware of my address in XXXX. 
I have copies of the notice to sue with my XXXX address. They gave me the index numbers of the matters in XXXX XXXX, but to date, have not served me with papers, but continue to serve my family members with these papers, even though they have nothing to do with the suit.
The debt is over 10 years old and un collectible in the State of NJ statue of limitations is 6 years
Hello, Equifax continues to report disputed inaccurate information on my report that had been removed previously as follow : 1. XXXX XXXX XXXX XXXX {$290.00}. This account is not mine and XXXX XXXX has failed to respond to the CFPB in the past with proof of debt. This must be removed. 
2. A closed collection account, # XXXX, remains to be provided on my report with no contact or account information. This must be removed. 

3. XXXX XXXX XXXX. As note din a prior dispute this account payment status is not correct as payments have been made monthly. This must be updated top accurate information or the account information deleted. 

Thank you.
I co sighned for my son XXXX for XXXX federal XXXX loans back in XXXX and XXXX for a original interest rate of 8.050 %. In XXXX XXXX said I that I could consolidate and get a reduced rate, but infact they increased my interest rate to 8.0125 %.
I asked for a cash out of {$50.00} on X/XX/17 from the XXXX app however later that day I received an email saying the request was canceled
NOTE : My complaint, which while I consider as concerning a false statement, is not covered in the sub-sections below it. 
Syndicated Office Systems, XXXX dba Central Financial Control, is still reporting the the credit bureaus that an account ( debt of {$200.00} ) dating back to XXXX is still open despite it being included in a Chapter XXXX bankruptcy ( XXXX XXXX ). Central Financial Control is still 'updating ' this account and showing it as open ( last reported XXXX/XXXX/XXXX ) in its reporting to the credit bureaus. I have written multiple times requesting that the account should be reported as 'closed ', but they have refused to do so, and instead now show the account info as 'disputed '. The original account is not in dispute, nor have I ever disputed it. The only thing I am disputing is that it is an 'open ' account with an associated negative credit report comment, that they are still supposedly reporting on. 
Their reporting to the bureaus is incorrect and is negatively affecting my credit with all the financial penalties ( higher interest etc. ) that it entails. I worked hard to bring my score up, only to have this inaccurate negative comment on my file.
We received XXXX letters from Full Circle Financial Services claiming we owe {$150.00} to Shark Rocket Deluxe Pro Vacuum. I replied to the first letter stating we do not owe this money and have never done any business with XXXX XXXX. We then received a second letter. We do no own a XXXX XXXX Deluxe Pro Vacuum, nor have we ever considered owning one. They also claim it was paid for with a XXXX ending in a number that is n't any card number we have ever had.
Portfolio Recovery i s attempting to collect a debt in my State of Michigan which they are not Licensed or bonded to collect such debts. I just got off the phone with the Attorney General 's office which stated to me to take the complaint to an attorney. I also contacted  XXXX  and they stated that they are not in the system as well. This is new information that I just recently found out. This is my last attempt to have them remove this debt from my credit reports.
On XX/XX/XXXX I sent a certified letter to Experian disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Experian received my letter on XX/XX/XXXX.

On XX/XX/XXXX I reviewed my Experian credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, XXXX XXXX of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to Experian again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

Experian received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that Experian has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.
I recently applied for a loan online and most of the websites that offer this services online, are confusing so I never understood when I applied for a loan or not because at the end XXXX or more windows popped up with more applications and they were all confusing, however the ones that I successfully submitted were denied. So I requested my credit report for the agency ( Clarity Services and XXXX XXXX ) and the one from XXXX XXXX is ok, but the one from XXXX Services came out with information that did n't make happy at all. The report says that my SSN is false!!! And all my information is real, I have a real SSN and a way to prove it. Also my name is spelled wrong, and I am sure I never used my name with " Z '', my name is XXXX and they used XXXX ( which means happy in XXXX ) So I called them but never answered the phone and I am very upset because the report is wrong and I have n't been able to get the loan I need for an emergency I have. Please help me.
First Data was my merchant processor up until XX/XX/XXXX I submitted a request to close XXXX accounts, which were supposed to close on that date however a mistake was made on their end and XXXX of my XXXX accounts were left open. The account numbers which were left open are XXXX and XXXX. The account that was closed ends in XXXX ( I dont have the full account number but I can get it. ) Over the course of the last XXXX years my bank accounts have been ach debited {$66.00} and {$76.00} per month for service that has not been provided to me. I have NO activity in my merchant processing with First Data since they are not my merchant processor and have not been since XX/XX/XXXX. These charges went unnoticed for a number of reasons 1. The wording in the statement is misleading because First Data uses the word " Deposit '' ( read below ) leading me to think its a deposit going into my account without looking at the actual charge which is my mistake. 2. I have so much activity on my account on a daily basis I simply overlooked that these were fees. 
XX/XX/XXXX EMPS DEPOSIT XXXX MY I PHONE REPAIR {$76.00} I contacted First Data at XXXX and talked to XXXX at extention XXXX who politely explained there was not much he could do other than a XXXX month refund per account. There was no supervisor above him that he allowed me to talk to and gave no reason why they can not refund me for these XXXX years of fees except to say that there are no notes in the system that I wanted the accounts closed. He also mentioned that First Data was working on a system to check if an account is in active for a certain period of time and if so then to disable it - would have been nice to have this system in place - instead I have been charged over {$3500.00} in fees for a company/service that I do not use. 
I contacted First Data and explained the situat
I have been trying to repay my student loan with Navient. However, they accused me off missing a payment, and had me start the whole process over. And when I was not working from XXXX - XXXX, they harassed me constantly, and would not offer or approve a hardship deferment. Navient does not care about students and uses loan shark tatics.
When you think of danger and consumer XXXX - the CHAIRMAN OF USSA BANK AND ALL AND I MEAN ALL OF ITS PRODUCTS are not the top of the list, but the very top of the list. Federal Trade commission is still a little blind to this, I do not know if there is something going on under the table with this company cause I know thousands and thousands of people who have had similar issues like me. CEO XXXX my life, destroyed it, he lied and LAUIGHED VERY HARD over the phone telling me he enjoyed keeping and taking my money. All my bills paid on time, all insurance issues, I did reports and police reports and all. USAA BANK illegally closed bank account and kept money and they have not complied with the law and I can prove it this is XXXX of over 75 legal issues I have I want justice and regulators get on the ball with this company and fire CHAIRMAN, ceo XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX needs be put in jail for fraud.
I was working with Quicken Loans for the loan I was trying to obtain. They approved it and ask me to get an appraisal on the house. After this was done Quicken denied the loan. I asked about a refunds on the appraisal and they denied it. According to them it was a service provide that is non-refundable. I was not told this upfront only after everything was done. Now I want to used another lender and they mentioned I might have to to another appraisal done. I am very displeased because this is money coming out my pocket and its not cheap.