WillisBack/dataset-financial-user-claim huggingface dataset:
Citi advertises their prestige card as a " premium '' credit card. This is not true. The card is complete trash. Traaaassshhhhhh.

First, it is incredibly difficult to get through their automated system to get to a real human, when other premium credit cards allow you to easily speak to a human. One customer service rep told me to stay silent and it would get me to a representative. All that did was make them repeat the prompts repeatedly, which is infuriating. She also said to say 'representative ', which doesn't work either. This is unacceptable. Even some of my no annual fee cards, like XXXX, allow you to easily connect to someone in the US.

Then, they tried to deny me my bonus points for signing up on some technicality and it took no less than an hour of my time to get them to agree to put the bonus offer on there. And I'm still not sure it's on there because the last agent I spoke with gave me conflicting information.

Then, there is conflicting advertising with some places saying that you get 5x rewards on " travel agencies '' and other places saying its only on " airfare '' but when you call customer service they basically tell you that you can't know if something is a travel agency until you charge, so if you spin the travel roulette wheel and land on the wrong booking site, you could lose the 5x and instead get 1x.

Then, I receive the card and packet and the booklet that comes with it is outdated. They're for the old Citi Prestige card with the wrong information, so I don't actually know all the benefits of my current card. 

The card is cheap looking and feeling, where other similar cards are made of metal. This isn't a huge deal but should have been disclosed in advance. 

It took multiple attempts to get them to add the card to my online banking and ultimately I had to register it myself, providing the same personal information I had just given the agent. In the process I was transferred multiple times, including once to an agent who was hard to understand and I believe hung up on me. Other premium cards I've had, the customer service can assist with online banking. 

The customer service agents did give me points but that doesn't make up for the fact that it has been a horrible customer service experience and users are left not knowing how and where they can use their cards, which we pay approximately {$500.00} a year in an annual fee for, for their 5x points.

I'm a good Citi customer, longstanding relationship, pay my bills, stay under my limits, regularly use my cards. There is no reason I should have to deal with this on a card with a {$500.00} annual fee.
I wrote a check to XXXX XXXX XXXX on XXXX XXXX for {$190.00} for bill account XXXX. The check was altered and written to an unknown individual by the name of XXXX XXXX XXXX and deposited into his bank account on XX/XX/18. I filed a claim for this claim on XX/XX/18, in which I was advised the issue would take 8-10 weeks to resolve. Two weeks later I received an affidavit, which I immediately took to my local branch at XXXX XXXX XXXX to have notarized by the branch manager. The affidavit was faxed and mailed to the claims department. I called several times over the course of a month, I left several messages on the answering machine of the check fraud department, only to never have my call returned. Early XXXX, I began calling customer service and asked to be transferred to the claims department, as that became my only means to get a live rep on the phone. On average I call customer service and am on hold for 30 minutes to ask for a transfer, then hold for an additional 40 minutes. I asked for an update on my claim, I was always advised it was still under review. I got onto Citizens Bank 's XXXX and complained about the way my claim was being handled, that no one has corresponded with me or contacted me whatsoever regarding my claim A rep named XXXX responded to me via XXXX XXXX and stated my claim legally does not have to be resolved within 8-10 weeks, that the claim can be under investigation for an indefinite period of time. On the third week of XXXX, a rep from the claims department indicating that the affidavit had still not been received. I spoke with a supervisor named XXXX, who was kind enough to fax the affidavit to me, which again was completed, notarized and faxed to XXXX on XX/XX/2018 at XXXX. Upon contact on XXXX XXXX at XXXX, I was advised the affidavit has still not been received, although the documentation has been faxed twice from my local branch to the confirmed fax number of the claims department. They have now indicated that they can not expedite having my claim resolved, although I have faxed the affidavit twice, mailed it once and have already waited 8 weeks for resolution.
XXXX XXXX has recently purchased a debt that I do not owe from Cash Store and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
When signing up for Experian free reports, it asked to charge for {$1.00}. It is not obvious that I can opt to not pay for the {$1.00}. What 's even worse is the {$1.00} is actually a trial for a $ XXXXmonth subscription. I was given no notification at the expiration of the trial that it 'll be renewed at a higher price. Also, there is no direct way for me to cancel until I dig through the website of Experian. This is not an acceptable behavior and borderline illegal.
I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports.
equifax and XXXX both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX
My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting  Agencies ( CRA ) Experian, XXXX, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA XXXX provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The XXXX CRA XXXX always state that they never received my supportive police reports or complaints. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
My wife applied online for a credit card from Capital One and was approved. She has XXXX other Capital One Card and I have XXXX, that we have used for several years. The personal information provided for this new card is the same as the information on file for those other cards. When we received the new cards in the mail I went online to activate them but was told the cards had been restricted and I needed to call XXXX. I called the number and was transferred to the Fraud department. The agent I spoke to said there was suspected fraudulent activity and my wife needed to provide some information. My wife got on the phone and answered all of the questions asked, confirming that there was no fraudulent activity associated with this new card. The Capital One agent then told my wife that to lift the restriction she would need to send them her Drivers license, Social Security Card, and Birth Certificate. My wife refused and handed the phone back to me. The agent repeated the demand to me, at which point I told her that was never going to happen, this was way more trouble than it was worth, and to just shut the card down. The agent then told me " the card will remain open and restricted, and we will negatively impact your wife 's credit score until you provide those documents ''. At that point I ended the call. The three documents Capital One 's fraud department is asking us to provide are the three best documents someone would love to get a hold of to steal an identity. Their fraud department is asking us to put our identity at risk. Threatening my wife 's credit score if we do n't provide the requested documents is extortion.
I applied for a job with XXXX XXXX and they ran a background check through a company called Checkr. Personal information on the report was correct, except for my drivers license number, which was completely wrong. The traffic violation was also not correct - it showed violations in a state I've never lived in.
ProCollect, Inc. has been trying to collect on a medical debt that I believed was paid by my employer XXXX in XXXX. I have never been contacted about this debt until late in XXXX by ProCollect. I have had continual communication issues ( they repeatedly call and harass me and have threatened legal action. There have been times I have tried to contact them just to negotiate a payment to get rid of them, they tell me they can not locate my file in their system and can not help me. I just received a letter in XXXX XXXX offering to settle the debt for half the amount ( {$320.00} ), so I made a payment online just to get rid of them, but that payment never went through, and when I called to verify the payment was made, all I received was voicemail. I received an email verification the payment was processed with no information other than the payment amount. Now I am worried I may be a victim of some fraudulent scheme.
The two accounts that's reporting on my credit file XXXX  XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.
Back in XX/XX/XXXX I was laid off my job and I lost everything from my car, to my house. I called into XXXX XXXX explain this issue. XXXX XXXX claim to have been understanding but still demanded payment when it was due. I struggled all year to get on my feet. I am a single mother and its not easy to lose everything and have kids you have to still feed, house and clothed. I started a part time job and gave what I can just to pay my credit line on time while trying to get back on my feet but it was until XX/XX/XXXX, I found a fulltime job and was actually on my feet. 

I have reach out to XXXX XXXX in XX/XX/XXXX to see if out of goodwill they would be kind to remove the late payments on my credit report due to my hardships and they stated they cant and that they will place a disagreement code on my credit report. I have been with this company for 3 years now. It just shocks me that they are not understanding of serious situations their customers endures at times.
Someone hacked into my XXXX account and placed a {$27.00} order for a wallet from a 3rd party seller and had it shipped to their address in XXXX ( I live in Kentucky ). I called XXXX and they said it was too late to cancel the order and that they were sorry. They told me to dispute the charge with my credit card company. I removed my credit card info which was saved in their system without my knowledge and I changed my password and deleted the new shipping address that the hacker added to my account. 

I disputed the fraudulent charge with U.S. Bank and told them I did not place the order, did not authorize the charge, and did not receive the merchandise. They made a provisional credit for {$27.00} to my account. XXXX rebuts with documentation showing the wallet order and the name and address where the wallet was shipped to along with USPS tracking information showing delivery to that address. 

I received a letter from U.S. Bank with copies of XXXX 's rebuttal. The bank tells me the charges appear to be correct as billed. They reversed the {$27.00} back to my account. XXXX failed to give the IP address of the person that placed the order. Why? 

Why am I being forced to pay for a wallet for a crook in XXXX which clearly is fruad? I do not have a California address and I have never lived in or visited XXXX. I do not have friends in XXXX. Why is U.S. Bank and XXXX not protecting me against this fraudulent activity? 

BTW, I am a Verified By XXXX member. Why did XXXX fail to protect my account?
I seen this company on my credit report Portfolio Recovery Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
This account was reported to XXXX XXXX and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. Portfolio Recovery Associates says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by Equifax that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX  and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.
XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.
It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, transunion, and XXXX. 

Attached proof of removals and disputes
I never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Macy's/DSNB is reporting the DOFD incorrectly, and has XXXX Charge Off dates on my XXXX and XXXX credit reports XXXX
PSLF COMPLAINT : The PSLF program is riddled with delays and inaccurate calculations. I believe that these delays and errors are specifically intentional in order to delay the processing of the loan forgiveness.

In XX/XX/XXXX, I submitted paperwork for the PSLF program to my lender XXXX, they then transferred my loan to PHEA, XXXX. Last year in XX/XX/XXXX my loan officially transferred to PHEAA, XXXX XXXX  due to the fact that I am eligible for the Public Service Loan Forgiveness ( PSLF ). Initially, I was told that it would take 90 days to process my eligibility for the program and calculate my payments. I contacted XXXX  in XX/XX/XXXX and they said that one of my employers wasn't verified even though it was a public school. I finally had the school call after resubmitting some paperwork and finally at the end of XX/XX/XXXX XXXX  approved my employment history as I have been XXXX   for 11 years.

After the employment verification was complete, I contacted XXXX again and they said that in a couple of weeks, my payment history would be calculated. As ofXX/XX/XXXX my payments were calculated however, there were substantial issues. I made another phone call on XX/XX/XXXX to discuss this matter and all of the payments that were not counted were flagged and the account is now headed back to be reviewed. The only evidence that XXXX   gave to why years of payments didn't count was because they were stated as though the payments were not fully satisfied in the month. I have been on the correct Income based repayment plan, have never been late on a payment in the last 11 years, and had all of my payments Direct Debited from the same bank account so this claim is quite confusing. There were a few months of forbearance or deferment while my loan was being updated or transferred. Upon asking how long this process might take, I was told that it could take 6 months. At every step in the application process I have faced substantial processing delays as well as errors that caused me to get a review of the application taking a process which should have been under 6 months and extending it to over a year. Meanwhile I'm making payments but I'm quite frustrated with the fact that it appears like there are huge inefficiencies in processing loans for PSLF. I even went through and calculated my payments made to my student loans that should qualify.
There is an address on my credit report where I have never lived., XXXX XXXX XXXX, XXXX XXXX XXXX , Me, XXXX. There is an incorrect birthdate on my credit report of XX/XX/XXXX. /There is an incorrect spouse named XXXX on my credit report and I have been divorced since XX/XX/XXXX and also he is dead. There is an incorrect social security number of XXXX on my report. There are several Misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. wrong phone numbers on credit report. XXXX, XXXX, XXXX.
In XXXX of XXXX, I had XXXX student loans that were in the deferment through J.P. Morgan Chase. At the same time I had an application pending for XXXX discharge of my student loans. I called customer service, of the servicer for the JP Morgan Chase student loan, numerous times to make sure that my student loan deferment was still in place while I was waiting decision on my application for discharge of the student loans because of the XXXX. They assured me I was fine and I did not need to make a payment pending decision of the discharge. Ultimately I was approved for the discharge and the loans were assigned back to the government and discharged effective back to XXXX. However I have 120 day late as of XXXX XXXX that should not be there and I can not get J.P. Morgan Chase to resolve this issue on my credit report. I was advised over and over that I needed to do nothing until the discharge went through. However they are showing a late on my credit report during the time they told me I did n't need to do anything and it was still deferred. I have disputed it numerous times with all XXXX credit bureau 's and they will not fix or delete the account. This is my last attempt, before I file a lawsuit for the damages I have incurred by higher interest-rate, to resolve this issue. This XXXX account is the only negative account I have on my credit report. I was told that it should not be on there numerous times by the customer service representative 's that were servicing the student loans before the discharge was approved. Thank you
I was a victim of fraud in the form of a check kiting scam. Bank of America was aware of what was happening to me as I was calling them at every stage of the con for guidance. Each time they assured me I would be protected should I cash a fraudulent check. After I completed a cashiers check and sent it to the fraudster my personal checking account was charged for the amount of the check. Before depositing the check, the bank Manager at the BOA of XXXX called to verify the account and the amount of the check. I called Bank of America in their fraud department, I filed a police report with the Police department of XXXX, NJ. I went into the branch that cashed the check for me they told me there was nothing they can do. I paid the XXXX balances and closed the account. I would like a partial refund and damages for the stress and aggravation this situation caused me.