WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment. <P/> I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due. <P/> Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high XXXX 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
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Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday, XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XX/XX/XXXX or XX/XX/XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.
ATTEMPTED TO GET A TITLE LOAN BUT DID N'T FOLLOW THROUGH AND THE LOAN WAS NOT FUNDED, YET THEY REPOSSESSED THE CAR. I NEVER RECEIVED ANY MONEY FROM THE COMPANY AND YET THEY STATE I OWE THEM XXXX DOLLARS IN ORDER TO GET MY CAR BACK.
I have 2 issues with this company. # 1. I called and advised them I completed an economic hardship deferment online. I was asked/advises on the form to upload my pay stubs. This was performed online through their website. I am requesting a letter stating they gave me the deferment based on what I submitted through their website. Now, a rep is telling me they dont show it. I called when I finished it and the IBR application to say I had uploaded my pay stubs twice one for each to make sure they got it. I requested it back through XX/XX/XXXX to bring my loan current. How do you lose something that is on your website? Where you have to complete it online. I am so confused. I wanted a letter stating my loan was brought current back through that date to not reflect the XX/XX/XXXX late on my credit as I put the request in. I was not provided a letter of denial, but just told my loan was now due to XX/XX/XXXX. Which I assumed was due to the hardship because I hadn't received any info regarding the IBR yet. Then, later on I was advised of my payment amount. The initial letter received about the IBR had incorrect/inaccurate data that had me confused upon reading it. Again, how do you lose something completed through your very own website? 

# 2. 
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note credit bureaus are required to bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I dont reflect nelnet, XXXX and XXXX are bonded in the state of Texas.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear XXXX, Experian, XXXX RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX  7. XXXX 8. XXXX 9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX XXXX miles promotion. XXXX code : XXXX. I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 

In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. 

In XX/XX/XXXX I received an email stating that Citi had closed my account without permission and I still had not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. Then, they have closed my account, I suspect in an attempt to not have to give me my miles. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
As a result of the financial crisis in  XXXX , I was hit hard after just purchasing a home. I got married in  XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two  XXXX  credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.   The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my  credit score. I hi red an attorney to help me with this. The attorney pointed out that th e Statute of L imitations had expired on both accounts since my last payments on both accounts were in  XXXX . I filed disputes with the  three credit bureaus. One removed the two   XXXX  accounts from my file. Two others,  XXXX  and Transunion, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.
The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. 
The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 
12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. 
Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. 

Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. 

WHY the unreasonable difference on DISCLOSED loan documents? 
Each amount disclosed was not accurate by facts from the XXXX XXXX. 

WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 

12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. 

WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? 

Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available.
I commissioned a XXXX on XXXX/XXXX/2015 through XXXX. The XXXX was to agree to my terms, and even replied with his acceptance : The XXXX submitted several mock ups, however - in agreement with the terms, I stated my disagreement with how the XXXX was handling the piece. The XXXX has received a XXXX $ pay, and will not respond via deviantart note, email, or other. He completely ignores me, and has not sent a mock up in two weeks. Below is the copy/paste of the note from the XXXX : alright, that seems fair as it is also the standard practice. 

-XXXX no less than 1 per week -whole body shot -half of XXXX following the first image and the last image. 
-your email : XXXXXXXXXXXX -my email : xxxxxxx all sounds good to me see you there at the web-based email service.
I've been repaying by debt through the XXXX XXXX company. On XX/XX/XXXX I requested a record of all the payments I had made on Federal Student Loans. I asked to get a record of what payments I had made, and which ones qualified toward repayment. I was told that it would take 3 months to get a detailed summary of my loans, what qualifying re-payments had been made, and a record of which of those payments counted towards PSLF. I never received this report. In previous years ( before XX/XX/XXXX ) there had been a tool on the website showing that I had 4 or so years towards my repayment, but such information has disappeared from the website. 
I have been repaying loans since about XXXX, but when I consolidated my loads through PSLF, either all records of those payments were lost ( I have records ) or else they were not counted towards PSLF repayment. The years fromXX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX, though I had been XXXX and paying loans, which I made sure to check were qualifying, were lost. 
Another complaint is that when I am asked to re-certify with an employer, I do so, and I also request that XXXX ensures that I am currently enrolled in the correct repayment plan. I have no way of verifying this or making sure that the payments I am making qualify. 
When I am asked to submit documents I do so, but almost every single time I am sent a form letter about how some of what I submitted was incorrect, and I am forced to make a call ( hold and transfer time 10-30 minutes ) to XXXX to find out exactly what it was. Case and point, I was given a form that told me to submit records of my income. I submitted all XXXX and XXXX forms ( which in step 5 of the IDR form was what I was instructed to do. Nothing was said about tax return forms ) with my income from XXXX, an in return I was sent a form letter that did not specify what I had incorrectly submitted, but letting me know that my request was rejected. When I called, I was told that I was supposed to have submitted a tax return form, though it was not specified on the form and instructions I was originally given. 
My specific complaint is that XXXX is withholding information necessary to participate in the PSLF program, and is making it unduly difficult to submit information, ensure you are fulfilling requirements, and receive information about my student loan and repayment. Any other entity dealing with loans and other financial matters would not be permitted to mismanage information in such a way that XXXX has been.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX COMPASS BANK XXXX XXXX  XXXX XXXX AL XXXX XXXX XXXX COMPASS BANK Account Number : XXXX Balance : {$9700.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : COMPASS BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
In XXXX XXXX, I followed a link that was on the CitiBank website to open a new checking account. At the time of opening that account, there was a promotion that was being offered that said that XXXX XXXX Thank-You points could be earned by completing qualifying activities after opening a new CitiGold checking account. After completing the activities as specified in the original terms when opening the account, I sent a message through the CitiBank website to inquire about the XXXX Thank-You points that I was supposed to receive as a result of participating in the promotion and completing all of the necessary requirements. I received a response back from CitiBank indicating that I had indeed completed all of the requirements of the promotion on XXXX XXXX, XXXX. I was then told the bonus points would be credited to my account no later than the end of my XXXX XXXX statement period, which ended on XXXX XXXX, XXXX. After this date passed and no points were credited to my account, I called twice and also sent messages through the CitiBank website. I was given several different responses, including one customer representative denial that I was signed up for the promotion, another customer representative said that I was not qualified for the promotion, etc. However, I pointed out to all of them that I had verified earlier both at the time of signing up for the checking account, as well as, after I had completed all of the requirements of the promotion that I was indeed qualified and had completed all of the necessary requirements for receiving the bonus XXXX Thank-You points. I have also attached to this complaint a written copy of the letter that was sent to me directly from CitiBank that confirms that I was enrolled in the offer, that I did complete the requirements of the offer, and that they stated that I would receive the XXXX Bonus Thank-You points by XX/XX/XXXX statement.
I received the American Express Delta Platinum card with a XXXX   miles bonus if I were to spend {$3000.00} in the first 3 months. I completed my spending threshold in XX/XX/2017 -well within the 3 months since opening my card.

I have contacted American Express at least 4 times via chat ( since the phone number is not an option online ) and have been told repeatedly that my case required escalation and assured me that it would be resolved promptly and to check back in a week. This has been ongoing since XX/XX/XXXX and I keep getting the same run around when I ask for a status. My miles were to be awarded within 6-8 weeks and I have given them ample opportunity to rectify this. My biggest issue with this is that I counted on these bonus miles to book a trip that I now have to pay for out of pocket so this is a huge cost to me. I feel that American Express is unwilling to resolve this issue and feel that they used false advertisement of bonus miles to get me to open an account and use my card with them.
on XX/XX/XXXX, I called Transunion to remove inquries that i did not authorized.i spoke with a XXXX Rep that was handling my request. in the midst of our phone call, as we confirming the ones that needed to be removed, the call was disconnected.i called back and waited 15 minutes to get another XXXX rep on the phone.i explained to him what happened and how the XXXX Rep on the phone.I explained to him what happened and how the XXXX rep was deleting unauthorized Inquries and could he continue. he told me that he couldnt do it Again. i explained that the other XXXX rep was in the process of deleting these unauthorized Inquries.however.he did not care.needless to say, he didnt help mewith what the other XXXX rep was more than willing to help me with.there is XXXX inquries and also a repo from a car loan place and my score drop twice after talking to them when my accounts are all in good standing none of these Inquries since XX/XX/XXXX have been mines because i file an Identy theft
Portfolio Recovery called my house several times and did not present themselves as a debt collector and threatened a lawsuit. The last time they called they stated a suit against me had been filed. A week later here was a piece of paper on my door stating I was being served and needed to call the process server. 2 days later he showed up at my door and told my husband he can only talk to me. The next day there was another note on my door with my full name and date of birth. The next night I was home and he rang the bell at XXXX XXXX. Told me that he would come back every night until I took this document, they claimed was a law suit filed in my county. I did not sign for the document but took it and it is a false document. The court they referred to is not in my county. I checked court records and my name was not listed under the " case number ''. This started happening on XX/XX/XXXX. I received the documents on XX/XX/XXXX. The cover of the so called law suit is a collection notice from Portfolio Recovery for the amount of {$1500.00}. I have never signed anything with that company, they assumed a debt that was from another company.
I have a fixed rate of 6 % on my citi credit card. Several years ago, they changed some terms ( raising the rate ) and the offer stated that if I rejected the new terms, they would close my account, but the rate would remain at 6 % until I paid off the card. The rate has steadily been creeping up and now it is at 7.49 %. When I contact them about it, they tell me I have to open the account again, to even negotiate a rate with them! They are not upholding the original deal, which I had no choice but to accept, by the way. I pay on time and have an excellent credit score.I want my 6 % rate back, as I was promised. Thank you.