WillisBack/dataset-financial-user-claim huggingface dataset:
Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles by XXXX XXXX, XXXX ( 90 days after meeting the requirements ), but now Citi has told me that I was never eligible for the promotion and is ignoring the fact that one of their representatives told me I was eligible and had met the requirements. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed up on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion, charged me {$30.00} a month in fees for the pleasure of dealing with their abysmal service, and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi regularly defrauds their customers with these account bonuses. This is completely unacceptable and will not be tolerated.
Hello I had private student loans through XXXX/navient back in XX/XX/XXXX which were all paid off. In XX/XX/XXXX I was contacted saying that my four year private loan payment came due and I would have to pay over XXXX dollars when i am still in school for my XXXX. First I explained these were paid for and if they were only for four years why was I notified 8-9 years later. They did n't have an answer and refused to get to the bottom of this issue saying regardless I had to pay my loan that now had 9 years of interest. Navient never notified me I still had a loan with them from XXXX and wanted me to repay money I did not have. When i confronted them about this they said there was nothing they could do and oh well sorry about your luck. First off I already have one set of documentation saying one of the alleged loans were paid so basically they are trying to make me pay the same loan twice and then gave no sympathy I was still in school and could not afford the payment only stating oh well i guess your credit will suffer. In addition as stated even if some of these loans are possibly open they waited 8 years on a four year loan allowing years of interest to compile until they informed me
Two accounts are constantly being reported to the credit agencies inwhich I'm disputing due to the fact they're not mines. I'm within my consumer rights to ask that you the credit reporting agency to block the following accounts from my report. The accounts are XXXX XXXX XXXX, and XXXX XXXX XXXX.
Barclays ' Luxury Card allowed service members to receive an annual fee waiver and receive 0 % APR benefits under their then-current policy regarding the Servicemembers ' Credit Relief Act. Now, suddenly and without warning, they are threatening to charge my account with the annual fee, a complete reversal of their prior policy. I now have to close my account or face the possibility of being slapped with a {$990.00} fee. It is ridiculous that they do not allow a grandfathering of those accepted to be cardmembers under their previous policy, and are now leaving servicemembers with the difficult situation of paying the fee or being forced to close their account.
Has a XXXX on report as criminals for a XXXX XXXX and I WAS NEVER EVER CONVICTED. REPORT SAYS TO CONSIDER!!! I LOSS THE JOB!!!
I have been attempting since XX/XX/XXXX to work with US Bank on getting the PMI removed from my mortgage. I have met the requirements of on-time payment for the last 2 years and I believe my property will appraise high enough to put my LTV at 75 %. US Bank has been uncooperative in setting up an appraisal and there has been no follow-up after numerous contacts with their home mortgage dept. I believe they are delaying this process in order to continue collecting PMI or are simply inept at getting an appraisal set up. Either way it comes out of my pocket!
I tried to send money through Western Union, the money is on hold and they are giving me the run around and wont do anything to help resolve this issue. they have asked me several times about my identity and even ask me for a copy of my drivers license, which i have sent to them twice and still wont return my money.
I applied for a Barclays JetBlue credit card. I received communication from Barclays that they needed more information from me to establish my identity ( social security card, etc. ), which I sent to them. I never received any further information from them by mail about the status of my application, nor their reason for denying my application. I mailed a letter to them two months later asking again for status and reason, but have not yet received any reply. If my application was denied, they never gave me a reason for the denial, nor told me directly about the denial.
TransUnion continues to report account items as included in a bankruptcy that what deleted as inaccurate from my credit file in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

The items are below : ACCOUNTS XXXX XXXX XXXX  XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file
There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report.
Wells Fargo Dealer Services account no.XXXX .... is wrongfully appearing on my XXXX credit report.Wells Fargo , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers.

My 48 month auto loan was paid off.After receiving clear title, the pink slip from Wells Fargo a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for Wells Fargo fraud to XXXX the account remains on my credit report.At the least this account should be immediately deleted and Wells Fargo, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.
XXXX was charging me double the charging of medical treatment before I had insurance. So when I set down with there medical billing department. I qualified for a program that paid my previous bills due to hardship. Also they paid the rest of the bills from XXXX all the way to XXXX. They printed from their screen that my balance was XXXX I did n't own anything anymore. I turned the papers in to XXXX they sent back their report telling me that this company will stay on my credit report until XXXX XXXX. I also came across a page that XXXX had written in file that I have n't worked in three years how can I pay these debts off. So score is staying at XXXX because of this company.
Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on Equifax and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
This Unknown number has been calling me for a month now, and it is Comenity Capital Bank. I informed the rep I did not want to be contacted by phone and to mail any correspondence. The rep began to get irate. Every week, they call me at least  XXXX  a day.
I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.
This company called and without taking any security measures regarding my private information, spoke with someone other than myself about very detailed medical information from several hospital visits. It is also my understanding that this collection agency has full access to the local hospital 's database for purposes other than collecting past due medical bills. When asked to verify debt, the company mailed screenshots of my medical charts from the hospital 's database which was obtained by the debt collector having log in access to patient records. This information was also disclosed to me during a meeting with one of the customer service representatives at the hospital being referred to.
I learned about the new law allowing free freezing of credit file with Equifax, XXXX, and XXXX. I applied online and froze my report with XXXX   and XXXX with no issue. However, I was not able to do so with Equifax. Neither the online system nor the automated telephone system allowed me to proceed after I entered the required information - the SSN and residence address. No human support is available on a weekend, only the aforementioned automated system. I will be calling them again on Monday.
I received a notification from my employer that my wages were being garnered. The debt was purchased off another collection agency and I was not made aware or served with paperwork before this was garnished. This debt is also over 12 years old and the case it is being brought up on states it is a closed case on the court website. Not only that in Ohio it states that if no funds were paid in 10 years that the debt is void, which this is as the case is from 2005. I was served no paperwork and this should not be legal. XXXX XXXX XXXX c/o XXXX XXXX XXXX
Took out a homeowner 's loan in the amount of {$110000.00}, in XXXX with Fifth Third Bank of XXXX, Ohio. At the time, the company advised that I would be paying PMI due to the loan amount being more than 80 % of the property value. In part, this was due to the housing market crash. Before the crash the property was valued at greater than {$130000.00} by Fifth Third Mortgage on XX/XX/XXXX. I have the original property evaluation. They told me today that my property is only worth {$100000.00} and since I owe them {$100000.00} I will never get out from under the PMI, since I now owe over 100 % of the property value. They said that, no kidding ....!!!!!!!!!!!
I started a refi with XXXX & they had Freedom Mortgage as the banker, I had a credit score of XXXX 6 months ago, with Freedom Mortgage and XXXX telling me for the last 4 months that they were closing and not to pay debt, made my credit score go down. I want to know how a Bank like Freedom Mortgage can lag and cause my score to go down, Also I would like to know how a mortgage Broker XXXX can lag a refi for 6 months, I was having my home taxes impounded and now they are refusing the loan. I must of signed at least XXXX redisclosures with Freedom. I will make up my late payments but I want to know if this place can be sued for damages that they have caused. How can they do this on a FHA Loan to make it drag on?
My son XXXX was treated for XXXX at XXXX Hospital on XXXX/XXXX/13. At the time I was unemployed and had no insurance. One of the nurses suggested we apply for XXXX because I was unemployed. 

We submitted all requested documentation to the XXXX vendor the hospital used and were told by one of their representatives that our application had been approved. 

Two years later, XX/XX/2013, we received a notice of Lawsuit from the law firm of XXXX, XXXX, XXXX on behalf of XXXX Hospital for {$1000.00}. The full amount of my son 's treatment. 

I contacted the hospital and I was told that my XXXX XXXX Application had been lost. That they had been using an outside vendor and the hospital was forced to terminate their contract due to many errors. I asked if they would honor my original application and they declined. 

As a compromise, I offered to pay {$600.00} to settle the account and the person I spoke to agreed to my offer and I made a payment of {$600.00} via debit card. I later checked with the law firm and with the court and they confirmed that the lawsuit had note been pursued. 

There was no further collection activity of any kind for another 3 years until I received a collection letter from Certified Credit & Collections Bureau on behalf of XXXX for {$490.00} which is the balance I would owe from the original bill. 

I have done everything possible to honor the debt as best as I could. The hospital has carelessly and recklessly perpetuated the collection of this debt for almost 6 years. This has been a very frustrating experience for me and my family at a time when we are under financial stress. 

I believe this account to settled and it is unfair that the hospital is engaging in these predatory practices. We believe that the debt in question has been satisfied and we should be considered settled.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XXXX/XXXX/17 at approximately XXXX I attempted to deposit {$1200.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I performed XXXX separate transactions, the ATM dispensed a receipt that stated " The ATM has experienced a technical problem '' to confirm your deposit was completed properly, contact a Chase representative. I called the bank, representative initiated a claim and said I should have an answer within 12 hours. The following day I received an email from Chase that my account had been credited. I logged into my account and did not see that funds had been credited to my account. I called and was told they were still investigating, and would notify me in 3 business days. I explained I needed access to the funds but was told I had to wait until they completed the investigation. I asked to speak to a supervisor and was transferred to XXXX in the Claims Escalation Dept. XXXX provided the same response. I explained to XXXX that I was entitled to full use of the funds during the investigation. XXXX stated I was not entitled to full use of the funds, I told him Chase was required to provide me with access to the funds. I reminded him of the Electronic Fund Transfer Act and informed him Chase could be liable for penalties for not complying with The Electronic Funds Transfer Act. XXXX again said they were not required to provide me with access to the funds I attempted to deposit. He said it was up to Chase if they wanted to provide credit as a courtesy and they would respond to me within 3 days. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA and spoke to XXXX XXXX, XXXX XXXX was sympathetic to my concerns and immediately made some calls. The person he was speaking to told him they have had technical issues for the entire month of XXXX and because it was a technical issue they were not required to credit my account until the investigation was complete. I then asked her if all the other customers who have had this problem in XXXX had n't been credited as well. She said they did not receive access to the funds until the investigation was completed. XXXX XXXX asked her how many ATM Machines had experienced this problem and she said she could not say. XXXX XXXX contacted the banking office where I performed the transaction, they mentioned they had not received an email from the claims dept in reference to my claim. XXXX XXXX asked the branch to dispatch the service company to check the ATM. He gave me his card and offered to waive any fees if I was charged.
My mortgage is with PNC, and I attempted to log in to my account online, and after 2 password attempts, I was locked out. This is ok if there was someone available Saturdays and Sunday 's to unlock my account, so I can get my XXXX Forms for taxes, which I can not do during the week. 

This is the 3rd instance with PNC password reset failed to provide adequate support for gaining access to MY online account.
I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers. My original opt-out date was XXXX 2014. It has been well XXXX and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I see on the back of the notice that Equifax is named. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.
I am trying to get a mortgage for a house and the lender went to pull my credit. XXXX and XXXX both came back with good scores as a result of the XXXX credit cards I have ( XXXX and XXXX ). However, Equifax would not give me a report saying I have no file. I spent three weeks and many hours on the phone with them to resolve this issue. They tell me that the only way for it to be fixed is for me to update my file by having one of my credit cards report to them. Upon checking with both cards, they both do in fact report to Equifax ever month and even sent an off cycle report. According to Equifax none of these reports have been received and they are unwilling to fix whatever it is that is causing them to lose them or not get them entered into their system. I need them to find these reports that are being sent to them and update my credit report. Any help is much apprecitated.
Got XXXX calls on my home phone from phone # XXXX at XXXX and XXXX on XXXX/XXXX/2016, Caller ID said only XXXX, NY. Immediately after, I got a phone call with a voice mail on my cell phone threatening me with a lawsuit in my county if I do n't immediately take care of this. I have received nothing in writing, no validation of debt, and this is far beyond the five year Statute of Limitations even if it is a debt I may owe. In fact, this debt does not show on my credit report, so I do not believe it exists. 

The number is a Voip number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.