WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for this card on XXXX/2017 and the bonus was {$500.00} on {$4500.00} purchase within 3 months. The first month I spent {$3500.00}, but Capital One decided to restrict my account WITHOUT warning. They also, never disclose to me that the 3 months to earn it is still going on. 

Eventually I figured out what was happening, and they unfroze my account but then randomly they restricted it again when I tried to make another purchase. So after sending in the appropriate documentation they never unrestricted my account as they state they never received the documentation despite evidence of it being done. Then they would state that we sent them the wrong documentation and at the end of the day the customer service was not there to help me, but after 2 months they figured it was me.. 

After my account got unrestricted it was PAST the 3 months, and I called in stating that I completed my {$4500.00} when will I get the bonus, but they said it is not possible. All of this hassle is ridiculous and I need your help in claiming my signup bonus.
I called and an employee said it was a payday loan from XX/XX/XXXX. Then said a complaint was filed in XX/XX/XXXX ( I was overseas ). Then said there was no such thing as statute of limitations and threatened to take me to court. She never verified anything and was rude. She ended up hanging up on me. Not once did she say this was an attempt to collect a debt or that they were a collection agency.
I am trying to pay this debt howe ver, Citi/ATT Universal Card is fals ely charging me. I closed the account and pay more than the minimum payment. Call after call to Customer Service is useless ; written communications are not helpful ; I need help in resolving this matter. I made a payment of {$500.00}  XXXX     2017, it  did not clear then and to date it has not cleared my bank ;  XXXX   XXXX ,  2017, I called Citi,  was told payment was not received ;  XXXX   XXXX ,  2017, I stopp ed payment on the check and made a replacement of that check by phon e to Citi in the  amount of {$500.00} ;  XXXX     2017 statem ent shows a charge of {$500.00} ; I called customer service disputing this charge, they are useless and rude ; many attempts to resolve this monthly {$500.00} charge was resolved, so I thought. Please see attachments hereto. I am being charged {$500.00} each mont h by Citi ; I have called and written Citi without succe ss. Maybe you can assist me in resolving this. Thanks
I received a letter in XX/XX/XXXX from XXXX. The letter stated an escrow refund check they sent was never cashed. The letter provided instructions on how to proceed in receiving a new check. I followed the instructions and emailed a copy of the form they requested I fill out. I completed this on XX/XX/XXXX. The letter stated a new check would be issued within 7-10 business days of my form being submitted to XXXX. I have not received a replacement check. I called this morning and was informed that because of the high amount of outstanding escrow checks, over 60,000, it would now take 6-8 weeks for me to receive a replacement check. The lady I spoke with could not even tell me if they had received by completed form. The letter I received indicated the check was issued on XX/XX/XXXX. Please help.
I WAS  XXXX  IN  XXXX     2013  AND ARRIVED OVERSEAS END OF  XXXX     2013  AND WAS LATE PAYING MY MORTG. WELLS FARGO REIMBURSED ME FOR LATE FEES BUT WOULD NOT TAKE OFF  XXXX   2013  LATE PAYMENT OFF MY CREDIT REPORT. I WAS NOT LATE PAST 30 DAYS. I HAVE PAPER SHOWING THAT THEY REIMBURSED ME FOR LATE FEES AND ACKNOWLEDGE I WAS OVERSEAS BUT REFUSE TO TAKE OFF THE  XXXX  DELINQUENT MARK OFF CREDIT REPORT
XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX  XXXX XXXX.
Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate.
I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchased a home. I have never had a mortgage.
{$94.00} was taken from my Wells Fargo account on XX/XX/18. I added my wife to my account. The banker did not inform us that she owed money or that Wells Fargo would be taking money. Wells Fargo could not tell me why they could not contact me at any time during this process and inform me that they'd be draining my account to XXXX They could not explain why they didn't give me the opportunity to settle the debt or how much more they would be taking. I asked them if it was typical Wells Fargo fraud to allow someone with a debt to be added to someone else account simply because they know I will always have money to pay them. I asked them if these are the types of tactics that have them in all these settlements or lawsuits. I asked them if this was retaliation for me adding my name to the settlement I was emailed about. They had no response other than go to the local branch and ask them.
I wanted to refinance my condo. I was contacted by MiLend Phone number XXXX they are located at XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX My contact name is XXXX.After weeks of supplying documents and paying for an appraisal, I was refused the loan. 
The grounds were I did n't live In my condo? And. this condo they say is an investment property and they could offer an investment mortgage at a percentage point higher. I needed to prove I live there. I provided proof from the borough showing no rental occupancy, from my voter registration card showing I lived in this condo, from my tax return showing the mortgage payments and interest were takien off my tax return as a personal home. I do not think it is fair that I was refused the loan After providing so much proof I live there. 
My credit scores are in the low XXXX He should n't of had me pay an appraisal fee first.
I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. 
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!
I made a purchase at XXXX in XXXX, GA in XX/XX/2017. The store clerk persuaded me to apply for a XXXX card to get a special discount on my purchase. After a few weeks I realized, I hadn't received the card or bill, so I called XXXX and discovered they had the city of XXXX for my address. The receipt for my purchase however had the correct city of XXXX, GA for my address, so I have no clue why my card application was processed with an incorrect address. Anyway, XXXX corrected the problem, refunded all penalties and interest, and I immediately paid the bill in full. When I asked about the impact on my credit report, XXXX assured me it would be cleared up after 30 days. At this point, only Transunion is refusing to cooperate. My credit score from TU is 100 points lower because of this payment which was originally reported as late. I have tried to dispute this transaction with TU, but they keep over-ruling my objection because the information is technically accurate. The space TU has allocated on their dispute site wont let me enter this much detail, but this is clearly the creditors mistake and TU is failing to investigate the matter properly. This payment should not be affecting my credit rating as it has nothing to do with my ability or willingness to pay my obligations promptly
This advertisement does not give rates, APR or what other costs are involved. Also, I am not sure if they will help me because the size of home I want to purchase doesn't meet their specifications? Will they only help me if I have enough money to buy a home worth a certain amount?
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX ****
XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or aroundXX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXXup until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
I opened a CitiGold Checking Account in XXXX XXXX with a promotional code offering XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XX/XX/XXXX, as confirmed via email with a Citi representative, and was advised miles would post by XXXX/XXXX/XXXX. I also provided my XXXX account number to Citi via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. When the miles had not posted a few days after the XXXX XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that although I had been advised that I had the promotion on the account, that I was not eligible for the promotion. What 's most odd is that someone made this determination and decided that I was not eligible prior to the XXXX/XXXX/XXXX posting date, but chose not to tell me and instead allowed me to continue to incur monthly fees which are charged on the XXXX of each month. I have paid at least {$60.00} in total monthly service fees to Citibank since they made this determination and have appealed their response multiple times. Although the customer service reps have acknowledged the prior confirmations that I had the promotion and met the terms, they 've told me that they can not assist. They did agree to open an investigation on XXXX/XXXX/XXXX and gave me an expected turnaround goal of 7 business days, but it has now been 18 business days ( 28 total ) and I still have not heard back. They have again charged a monthly service fee to me on XXXX/XXXX/XXXX, which seems to be their end game with this promotion.
upon checking my credit report as I do very often, noticed Convergent outsourcing reported a collection 3 times and unpaid account 2 times for a XXXX account. I have not had a XXXX account in over 10 years and i do not owe them any money either. There is no XXXX collection. I disputed through XXXX. Convergent has reported collection account again and is unable to provide any proof of a balance. Now i am receiving letters to pay a debt that not only is dead but far exceeds the statute of limitations.
I have been receiving multiple calls, sometimes at the same time to my land line and cellphone. XXXX account, was closed a long time ago with XXXX balance. The last time I bought something from XXXX XXXX XXXX was on XX/XX/2018 and it was paid in full with a credit card and not with the XXXX XXXX XXXX account. I checked this morning my XXXX   account and the balance is XXXX. I blocked the number but still received text message with link to check my XXXX  account. I am receiving text and calls from XXXX with the same message from XXXX XXXX who owns the account.
I had a Best Buy CC since XXXX/XXXX/XXXX but destroyed the card. I purchased a TV for my daughter around XX/XX/XXXX. /XX/XX/XXXX on the phone and used the account by them looking it up. I was paying on the account monthly. I was being stalked at the time and had moved several times. I had a brief relationship with a man until I realized he was not safe. On XX/XX/XXXX while my daughter and I were out for holiday he broke into my home, hiding behind the bedroom door he attached me with a phone cord trying to strangle me. It took XXXX police officers to pull him off of me. I suffered a XXXX, XXXX and XXXX, I lost my job and it took months to recover. I maintained the account paying a minimum balance. Just before moving to XXXX for our safety I realized a laptop had been purchased on the account. Not changing my address through the XXXX XXXX, I month after month contacted B.B. directly to change my address, given their C.S. reps. my inform, yet it never changed. Each time I called I would ask them to verify the new address and give it again. In the 5th month of calling, I asked to speak with manager and was told by him it was " a courtesy to receive a statement '', I said they were incompetent. After the assault I moved from the address they had on file. B. B. raised my minimum pay. and I did n't know that with out receiving the statements so it was sent to collections. In moving back to XXXX. after the man was in jail, I spoke with collections, wrote out everything sending documentation. I know the man that tried to kill me purchased the laptop on my account. I received a letter from B.B. stating I won my case, they would remove the purchase, all fees and penalties and repair my credit in 3 months. I heard nothing from them again for months until recently when called by another collection agency. I was told they sold it to them and now want me to press charges against the man for identity theft ; I refused. He will soon be released and when he does I will not run for my life again over a {$650.00}. laptop. How can this be? The letter states that after investigation they removed disputed charges and any related fees and interest. I am uploading the document sent on XX/XX/XXXX. I have spent two years recouping from this ordeal and they have added undue stress to my life and ruined my credit. Please I need your help.
I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.
Comenity Capital reported to the credit bureaus that my account was late in XXXX of 2017, when it was not. I contacted Comenity Capital and they apologized for the error, but said the only way it could be fixed was to dispute my pay history with the credit bureaus. I did that, and Comenity Capital told the credit bureaus my account was delinquent in XX/XX/XXXX. I called Comenity Capital back and asked them why they verified the delinquency when it was an error, and they could not give me an answer. They said they were sorry, but there was nothing they could do. They said I had to dispute it with the credit bureaus again. This just is n't right. Comenity Capital has the control over the information they report to the credit bureaus, not me. It should be their responsibility to report correct information, not mine.
To Whom This Concern I had my retirement fund account closed and over  XXXX  was to be deposited to my bank via electronic transfer I called  XXXX   XXXX  at  XXXX  to say the funds were not in my account they said they transferred it earlier in the afternoon.  XXXX  told me the funds would not be available until  XXXX  am midnight which made no sense because the funds were electronically deposited into my account through wire transfer and should have been available immediately.  XXXX  also said they had no could n't see the deposit coming through but it would be available at midnight. Her name was  XXXX   XXXX  her supervisor was  XXXX   XXXX  and her  manager  was  XXXX   XXXX . I also asked who I could file a complaint with weather it be the FDIC or whoever she told me she had no idea and had no interest in finding this information out when its a federal law that they are supposed to know these things.   I appreciate your time and attention to this matter. I can be reached at  XXXX
I am facing foreclosure on my home. I have been try ing two years  to obtain a loan modification.
I applied for a loan modification with ASC. I was not late when I applied for the modification and I was not late on making payments during the modification period or now. I received an approval for a trial modification and was told specifically what amount and what dates the 3 trial payments had to be made to be approved for the loan modification. The letter from ASC was very clear. I called my assigned home preservation specialist and was told that I did not have to make a payment in XX/XX/XXXX ; that I would make my first trial payment in XX/XX/XXXX. I made my payments either on time or early. I was not approved for a HAMP modification in part because my loan was not in default and because my mortgage payments were not delinquent. I was approved for a non-HAMP modification. ASC reported me late to the credit bureaus and as a result the credit card company that I primarily use cut my available credit line down by XXXX %. ASC did not act in good faith and fair dealing with me and their reporting me late to the credit bureaus when I followed their written instructions and the verbal instruction of their representative is a deceptive and harmful business practice.
Let me tell you a story about CITI Bank and how they treat their cardholders. 

My family and I went on a XXXX, in XXXX of 2015. Before we left I contacted Citi Bank and informed with a nearly complete itinerary of where and when I would be in XXXX and that I would be making a substantial payment on my card so that I would have plenty of credit available. At the time I had a {$10000.00} limit. I was informed I was all set for my trip and that I would not have any problems. 
Apparently several days after I left ( remember CITI knows when I was leaving ), my credit limit was reduced by CITI to {$6500.00}, approximately how much was charged on the card, therefore I had about XXXX credit available. When I found out via a satellite courtesy call from the ship to CITI, an account manager recommended paying another {$1000.00} down on my card and I would be all set for the rest of my trip. So we did a phone transfer from my bank to the card. All set again right! 
So 5 or 6 days later when it came time to disembark in XXXX and come back to the good old USA, it turns out CITI refused the charge. Since it was the only card I had with me I was stuck, for all intents and purposes trapped with my wife and XXXX daughter. Fortunately another family member on board had another credit card for us to borrow. 
Finally about 3 or 4 weeks later we decided to confront CITI with this fiasco and how this happened. We called CITI and a customer care representative made about a half dozen excuses ' and then said CITI bank was sorry and they would give me {$100.00} for my trouble. I said that was unacceptable and I would like to speak to a manager/supervisor about this. There was no one available at the time, so we being understanding offered to make an appointment for a call back. The appointment was made for 4 days later, during normal business hours. The phone call never came. I guess we are n't important enough to call back. 
So a couple of weeks later, a few days after the next bill was due and I did n't pay it. I decided that would be the best way to get a call back. I missed the call that came 3 1/2 weeks later. 
Finally I spoke to an array of CITI another 2 weeks after that, and here are the excuses : My second payment was put on a 5 day hold because it was my second large payment in a monthThe employee who advised me of making the second payment had no knowledge that the hold would be made ( even though it is one of their policies according to another CITI member ). 
I finished my phone call with a customer service manager ( named XXXX ) who proceeded to tell me that it was only bad timing ( possibly a coincidence ) and not CITI 's error in way whatsoever and there was nothing he could do for me. I took that as TOO BAD. 
I do n't believe in coincidences, these decisions were made by CITI intentionally to get as much repayment as possible regardless of the cost to me the customer. I plan on taking CITI to some type of civil court so I can at least expose their ruthless inhumane to more people.
I have sent over 6 requests to have inaccurate address removed from Experian Credit Bureau ; on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each request has never been answered and never removed.
The company below posted this collections account to my credit report. The company has never contacted me to dispute. I have a right to receive the debt and be given 30 days to dispute. I was not given a chance to dispute. This dept is not mines also. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview