WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I opened Citibank Account Package on XX/XX/2018 by clicking their bonus link ( attached 1 ). The offer stated to Receive a sign up bonus of {$300.00} when you open a new Citibank Account Package and transfer {$15000.00} to the new checking account within 30 days and maintain for 60 days. The bonus should be posted within another 90 days. 

I confirmed the bonus term with chatting onXX/XX/2018 ( attached 2 ), and completed the transfer on XX/XX/2018 ( attached 3 ). I confirmed that I met the requirement by calling Citibank on XX/XX/XXXX, and was told the bonus will be posted by XXXX ( confirmation code XXXX ). But I received 3 emails on XX/XX/XXXX, XXXX, and XXXX from Citi, saying I enrolled in Citibank {$50.00} to {$700.00} Checking Offer ( " Offer '' ), but have not fulfilled the Offer 's required activities for the following reason : The offer requirements were not completed within offer period. 

I XXXX  this different offer ( attached 4 ). Apparently, this is not the offer I signed up, and the system messed up with my offer and this offer, and determined not to post the bonus. Theres even no explanation on which requirements were not completed. 

I chatted online with a Citibank agent, XXXX on XXXX ( attached 5 ). Initially he admitted that I met the requirement of {$300.00} and he will find out why its not posted. When I told him about the email regarding a different offer, he said they are the same offer. But he could not explain which requirements were not completed. He said he will ask someone to look into this and reply me within 7 days ( Citibank Service Request # XXXX, Reference : XXXX ). 

Now its been half a year since the transfer of the money, and 10 days since I last contact with Citi. No bonus posted, no reply, no explanation. 

Please Citibank, honor the offer you provided. 

Thanks,
I have XXXX special term loans with Wells Fargo Financial. XXXX of these loans is set to expire on XX/XX/XXXX. I have been making my payments but only a fraction of my monthly payment is being applied to the special loan balance that will expire the soonest which is contradictory to the information on their website that states that payments are applied to balances with the highest APR and then to balances with special terms that will expire soonest. According to the phone agent that I spoke to today only {$14.00} of the {$190.00} monthly is applied to the balance that is set to expire on XX/XX/XXXX and the majority of the dollars of my monthly payment is applied that will expire in XX/XX/XXXX. I was told that I would have to pay {$550.00} to pay off the balance of {$360.00} to avoid being charged the outstanding interest set to hit in XX/XX/XXXX.
Dear Sir, Iam filing this complaint as my INSURANCE CLAIM was rejected by EQUIFAX XXXX   insurance! I had the {$1.00} XXXX Insurance in regards to the Identity theft insurance with XXXX provided by Equifax as our Data was breached! We had XXXX Bitcoins stolen from our Digital Account XXXX and we havent received the REFUND from XXXX and hence reached out to the insurance XXXX being handled by XXXX XXXX and after going through the insurance policy, filed a claim with TRUSTEDID through XXXX along with the documents 1 ) Proof of Bitcoins being transferred from our accounts to anonymous address 2 ) Police Complaint 3 ) FBI Report 4 ) Email proof of rejection of REFUND from the Digital account [ Our Digital Account website where Bitcoins were staying ] 5 ) Email proof of filing complaint with The XXXX [ Our Digital Account website where Bitcoins were staying ] 6 ) Also attatching the CLAIM BENEFITS! 

And the insurance clearly stated that we are eligible for the CASH Recovery if there is a XXXX, THEFT, UNAUTHORIZED TRANSACTION FROM YOUR ACCOUNT.But I was rejected saying that my account is not a FINANCIAL account, the main reason for carrying this insurance was to retrieve any stolen, fraudulent and unauthorized transactions of your financial assets from your account. 

I would like to get this to your notice that main reason EQUIFAX provided this insurance was to save customers financial assets from XXXX, THEFT or UNAUTHORIZED ACTIVITIES which happened in my case. 

My total stolen amount was {$12000.00} which was XXXX BITCOINS and would like to request to REFUND either of those as per the insurance claim.I would like to get this to EQUIFAX, TXXXX as well as XXXX! 

Appreciate your help in this case!
I recently pulled my free annual credit report and found XXXX accounts being reported that are owned by Midland Funding Debt Collection. I submitted a dispute through Experian for these XXXX accounts as they are being reported erroneously. These accounts were originated with other companies and purchased for pennies on the dollar by Midland Funding. 

I need assistance with deleting these XXXX items from my credit report for the following reasons : 1. Midland Funding has not provided adequate evidence of the existence of the debt nor validated the amount owed. 
2. The payment history reflected on all three accounts on the credit report is inaccurate, and does not reflect the entirety of payments made ( on time ) for the respective accounts. 

They ca n't have their cake and eat it too. How can Midland claim rights to this debt, yet it is unverified, and reported inaccurately? Their haphhazard reporting is causing harm to my credit score and financial well being and needs to be removed immediately.
On XX/XX/XXXX, I sent an investigation request to XXXX and XXXX XXXX. Over 30 days have past, and they have yet to respond.
The purpose of this complaint is to clarify the terms and accounting on my clients ' mortgage. My clients suspect that they may be the victims of a predatory loan. They have asked the lender several times for basic documents and accounting, but it has failed to provide this information. 
The debt originated with Chase in 2005 with a balance of approximately {$290000.00}. Over the years, my clients have received XXXX hardship modifications to the loan ( XXXX for unemployment and XXXX for XXXX ). These modifications included a forbearance period. 
As my clients began to receive statements from Chase, they were surprised to find that the new loan balance had grown to approximately {$310000.00} -- an amount greater than the original debt. They made inquiry to Chase but received no relevant explanation of the new balance. My clients then filed a complaint with the Arizona Attorney General 's Office, questioning if the terms of the modifications were predatory. Several days later, Chase sent notice that the debt was transferred to XXXX XXXX XXXX. 
Because of the actions of the banks, I suspect that there are unfair, predatory, abusive and/or deceptive terms in the loan or modifications. Further, because my clients have not been provided with relevant information concerning the debt alleged, they feel they can not make informed decisions about it.
XXXX XXXX - I paid off my Sear card balance of {$700.00} XXXX XXXX - I buy supplies at XXXX to replace my kitchen sink {$120.00} XXXX XXXX - I make a payment of {$330.00} to payoff the supplies and kitchen sink purchased online XXXX XXXX - The XXXX 's charge for the sink is posted {$210.00} XXXX XXXX - My most recent payment is not posted. I am charged finance charges. 
XXXX XXXX - I call Sears to see what has happened. Support is poor. They can not accept a pdf copy of my receipt and do n't answer the fax number they gave me for the fax copy. I call CFPB online to report shenanigans!
" This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report.
PNC ( subordinate lien ) is countering the short sale to receive a full pay off based on exterior only value of the property. They are going off of a drive-by BPO value ( {$430000.00} ) which can back completely out of range of true fair market value. It is common knowledge that a drive-by BPO does not property asses the property value because interior defects are not taken into consideration. The first lien is being paid off in full and we are offering PNC a handsome net of {$70000.00} which they are denying because they are refusing to order an interior BPO to get true property value. Even with supporting documentation to support our offer amount of {$33000.00}.
Re : XXXX XXXX XXXX  Account : XXXX I have previously disputed the above referenced account twice and the item was deleted from the credit file on the subsequent credit report. However, now the item have reappeared on my credit report as of XX/XX/2018. This company is not license to collect in the state of Texas. Each time the account is removed then reinserted.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a stat. ement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
I have called numerous times, and sent a letter to XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/XXXX to each institution, I received a response letter from the XXXX of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past XXXX years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
On XX/XX/XXXX i received notice on my credit report that i owed XXXX XXXX {$230.00} being reported by waypoint resource group LLC who is a collection agency so i called them up and talked to them on the phone about this new collection.they told me that my date of my last payment was XX/XX/XXXX I have no Knowledge of this account and i have never had XXXX XXXX XXXX.I have submitted disputes to all 3 Credit Bureaus as they are reporting my last payment was XX/XX/XXXX which is not what they told me when i talked them on the phone.i need them to update my file with the correct date they told me on the phone or delete this frivolous and inaccurate account on my file.the 2 credit bureaus have verified this account as being accurate and 1 has deleted the file ... Waypoint Resource Group has failed to provide me any contract or documentation regarding this account being true.and owed by me.
XXXX keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and speedy cash is still trying to collect the original amount.
I was unable to receive my free credit report. I got an error message saying the site was temporarily down. When I went back to get my credit report, it stated I already had received my free credit report but I did n't.
From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( XXXX ) by the creditor/student loan provider, XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX Assistance XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT TECHNOLOGY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Hello University XXXX XXXX has continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth University XXXX XXXX has never responded to me. So how is experian verifying this information. According to her phone call I had with a experian rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Cavalry Portfolio Services is reporting a collection account to all 3 credit companies in the amount of {$650.00} this account is not mine I have been disputing this for a long time account dated XX/XX/2012 ... I need written confirmation that this is my account. 

thanks
American Revenue Management is calling my work place and continually harassing me. My ex girlfriend is the one who owes them money but they keep harassing me. Their agent by the name of XXXX. XXXX has been calling my place of employment even after telling her this is not allowed.
I went to a first time home program seminar and they told me that I couldnt sign up because of my credit. I got a copy from the annual report and there are alot of items on my credit that is not mine. Please remove so I can co sign for my son a car. XXXX ( Acct # XXXX  Equifax ), XXXX XXXX XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX. I also saw  where my credit was ran several times and I went through it and these inquiries are not mine. I dont run my credit like that : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX   XXXX XXXX.XXXX  XXXX, XXXX XXXX XXXX.XXXX XXXX XXXX.XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX.XXXX. I have contacted the police and the people at FTC. I'm doing this on my own and need help.
Business Caller would not identify company name or identify itself as a collection agency until after repeated requests to identify their company name. 

Abusive tone of voice when asked to provide information about how was calling.
On XXXX XXXX, 2010 our clients purchase a manufactured home which had a lien from the previous owner. The mortgage was paid in full on XXXX XXXX, 2010 but a release of lien was never provided and now our client is in the process of selling their home. I 've requested, on 5 separate occasions, a release of lien. I 've provided all proofs to show that the lien/mortgage was paid in full. They lien holder has not acknowledged receipt of any of my requests.
I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX  credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX  saying the debt is mine but refuse to provide and proof that it is.
Evidence is attached of Fraud by Wells Fargo and the Arkansas Tax Collector for XXXX County. Attached is one of thousands of examples resulting in $ Millions of dollars of Fraud to Wells Fargo customers in the State of Arkansas : 1 ) For example 2015 Tax Payment Receipt # XXXX is listed as a bulk lot payment of {$11000.00} for several parcels with Escrow holdings by Wells Fargo. However when you go into each tax record individually several of the Tax Parcels claimed to have been paid by Wells Fargo were actually paid by the Homeowners themselves or other Escrow Holding Companies. Not Wells Fargo. 
XXXX 2 ) This intentional mis-grouping of tax payment records results in an opportunity to steal in the tax collectors office and the opportunity to send money tagged as " over-payment '' back to Wells Fargo Executives. This is intentional deceit and intentional theft. 
3 ) With this fraud scheme Wells Fargo Executives overcharge the Escrow accounts of mortgage customers, then intentionally send over-payment to County Tax Collectors in Arkansas. Wells Fargo cleanly benefits when money is returned to them by the Arkansas Tax Collector as " over-payment/duplicate payments '' for accounts that have already been paid by other parties. 
4 ) The Arkansas Tax Collector keeps some of the " over-payment/duplicate payments '' in a holding fund for disbursement as they see fit. The Tax Collector and Bank Officials conspire in advance how much money will be overpaid and held each year. The Arkansas Tax Collector knows that Arkansas State only Audits the Summary Tax Records which show the Banks payments were legitimately accounted for : No one checks the individual tax record descriptions which show Wells Fargo was returned funds because that parcel tax record was already paid by another party. 
5. There are thousands of Examples of Fraud currently on the XXXX County Tax Assessors website especially in XXXX County. False Summary Tax Receipts List " WELLS FARGO REAL ESTATE TAX SERVICES '' as the Payee of Parcel Tax Records that were actually paid by the homeowner or another Escrow servicing company. The misapplication of tax dollars represents $ Millions of dollars of Fraud. 
6. Examples of Fraud are provided in this Compliant.
On or about  XXXX / XXXX / 17 , I applied for a card and was approved for a secured card. I subsequen tly 20 minut es later I called to cancel the card and void authorization to withdraw any funds from my account. I was told that it was done. On  XXXX / XXXX / 2017  Bank of America withdrew {$300.00} out of my checking account without authorization and have not produced a card or any documentation for the reason and have not refunded my money. Once again this institution has perpetrated a crime as far as I am concerned and has not answered for it. This makes a total of {$420.00} dollars taken without explanation, written or otherwise, but I require written.
ERCIS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$310.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
On the fall of XX/XX/XXXX I decided I wanted to get some unwanted tattoes removed. I went to XXXX unaware that you have to take out a loan through a third party in order to get the services done. I decided to do it anyway because I knew I could pay back the monthy charge without any issue. I tried to set up my bank account through their credit union but for some reason nothing was working. Instead of buting my brain I just decided to withdraw from the seccions and step away from any credit union. After  receiving confirmation from XXXX that the credit had been refunded I started looking for my other options. It is now almost spring of XX/XX/XXXX and they are harrassing me with diffrent collections agency on the same matter. The company sending the collection agencies is XXXX XXXX XXXX XXXX.