WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a CitiGold account with Citi Bank in conjunction with a promotion offer XXXX American airlines miles after {$1000.00} in debit card purchases and bill pays in consecutive months. I quickly met the requirements and called in to Citi bank several times to confirm that the promotion was noted on my account and that I had met the terms of the promotion. Every time I called in the customer service representative informed me that I had met the requirements and that I would be receiving the miles within 3 months of meeting the final requirement. They also informed me on XXXX XXXX through a secure message that the miles were in process are were due to arrive in my account within 30 days. Citi bank is now refusing to honor the terms of the promotion saying that I was not initially targeted for this promotional offer. This is a direct contradiction to the information I received from several customer service representatives stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. I believe that Citi bank knows that they owe me the miles and have been intentionally slow and unresponsive in their dispute resolution process. I began several investigations with them 2 months ago and the issue is still not resolved. As a whole the company has been very unhelpful and I think they are hoping that I just give up so that they dont have to pay the miles.
I enrolled in a {$200.00} bonus enrollment offer and have completed all the requirements for the bonus but have not received the bonus.
MY DISCOVER CARD WAS CHARGED FOR 2 CHARGES ONE ON XX/XX/XXXX FROM A XXXX   XXXX XXXX FOR XXXX AND THEN IN XX/XX/XXXX FOR INTERNATIONAL TRAVEL FOR XXXX I CALLED DISCOVER TO REPORT FRAUD ON BOTH CHARGES AND THEY NEVER GAVE ME MY MONEY BACK. I NEVER DID BUSINESS WITH THESE SAID COMPANIES AND I NEVER AUTHORIZED ANY OF THESE CHARGES. PLEASE HELP ME GET MY MONEY BACK PLEASE. THEY ARE ACCUSING ME OF MAKING THESE CHARGES AND I DID NOT AT ALL. PLEASE HELP ME
I am a XXXX year old XXXX XXXX woman who got caught up in the Wells Fargo Mortgage Scam. I fought for my home. I was taken to court three times by Wells Fargo because they wanted to take my home and not do a modification. I always had my papers in tact. A Maryland State judge ruled three times that I had my documentation together and that I was eligible for a loan modification. Wells Fargo fought that. The third fight in court I won totally. The Judge actually threw their case out of court. The caveat was that they could open the case up again. They did. They were determined to take my home while at the same time telling me that the banks don't want your home because its a headache on them. Not true. 

When they opened the case again six months later, I was diagnosed with XXXX XXXX   XXXX XXXX. I was also working on my XXXX in XXXX XXXX at the time. I had to drop all fights. I could no longer physically fight Wells Fargo for my home nor could I finish my XXXX degree even tho I was at the XXXX   XXXX. But finding out I had one of the most XXXX XXXX ever put everything else in my life on hold. I feel like I was forced to put my home up for short sale. They finally took my home. Then after the short sale had the nerve to call me and say you should see what the new owners did to your home. It is beautiful. Then asked if I wanted to see it. I thought he was kidding after all the hardship and pain I had been taken through. The house was beautiful because I had put almost {$30000.00} worth of renovations in it and the new owners piggy-backed off my labor and money. I ended up with {$5000.00}, no home, homeless, sick, no where to go and no equity no nothing. 

I bought the house in XX/XX/XXXX but the fight with Wells Fargo happened in XX/XX/XXXX-XX/XX/XXXX. At the trials I learned that Wells Fargo had no idea where my mortgage payments were going. They had no documentation as that satisfied the courts. 

My suggested resolution is that Wells Fargo owes me a home. I need a home to call my own where I can recuperate instead of running from Maryland to XXXX for XXXX XXXX every four weeks. I need a home to lay my head, rest and die in peace. Wells Fargo took that from me. They took my pride, my dignity, my inheritance to my daughter, my hard earned money and threw everything I worked for down the drain. I worked three jobs for eleven years to buy a home that I could live my life out in and pass down to my only child and grandchildren. Now I have nothing. Now I live off of the mercy of others who want to put me out in the cold because they have the power to do so. Each month I live in the fear that I will be out in the streets with XXXX XXXX XXXX XXXX. I am fighting for my life and this situation makes what is left of my life so difficult that I do not have the words to explain. 

I need help with this fight. I thought it was over until I saw XXXX XXXX XXXX and saw that they abused their powers with many many others. I am writing to see if there is a recourse for me. I just want a home, preferably in XXXX where I have to be for treatments every four weeks. 

Thank you for your attention to this matter that I fear no one will listen to anyway - again.
My loan is a combination of federal and private loans that i consolidate in the XX/XX/XXXX. i graduated in XX/XX/XXXX and consolidated thereafter. My original loan was XXXX. XXXX sold my loan to Navient. I have {$320.00} taken out of my checking account automatically every month and I still owe XXXX. There is no way to pay this loan off. The end date keeps changing. I will retire from the XXXX with 30 yrs in or around XX/XX/XXXX and will still owe student loans!!
They are contacting me outside of approved hours. Calling me at XXXX. Called and informed of this issue and still threatened that I 've been served. Over phone and on voicemail.
I have opened an account with Coinbase more than 3 months ago and deposit a large sum to purchase crypto currency. They locked my acccount for more than 3 months now. I have no access to my account and dont know what is going on with my balance when I called customer service at coinbase they were helpless. They responded by oh sorry but we have our specialist working on the case and we could not tell you how long it would take? I am worry about my money and dont know what they do with it. Please investigate this matter case # XXXX
my name is XXXX XXXX my social security number is XXXX my date of birth XXXX/XXXX/XXXX. my complaint is that equifax credit address pobox XXXX XXXX ga XXXX, the office of consumer affairs at equifax keeps giving me a hard time. in disputing my negitive information thats fraud on my credit report also i stated to the office of consumer affairs that i would like the security freeze to be premently remove off my credit report, every time i call the XXXX XXXX number to speak to a equifax representive to do a dispute i give them my confirmation number XXXX then when they access my report they tell me that they have to transfer me to the office of consumer affairs every time i get connected to the office of consumer affairs executive title XXXX XXXX ofr XXXX XXXX or XXXX XXXX keep telling me that they need a ssa form from the social security administration verifiy my social securtiy number, i dont understand why there asking me to do this in order to removed the security freeze off my report or do a dispute. i ve delt with XXXX XXXX from the excutive office of consumer affair back in XXXX when i did a dispute i send in a verification lettter from the social security adminstration verify my social XXXX and a copy of my birth certificate. and they have it on file along with my drivers license copy and utility bill. over the years i call equifax to do disputes i never had a problem until know, the issue is they keep refusing to remove the security freeze from my file is also refusing to do my disputes, until they recieved the ssa form, i told them several times that the social security adminstation no longer gives the letters anymore they told me to just send in equifax a copy of my social security card. also equifax block my file from on line acces, which means that i cant do any on line dispute, example go to equifax .com click on line dispute put in my confirmation number XXXX then my personal infor then sumimit, it will tell you they cant process my dispute on live, and the reson for that is the office of consumer affairs put a dummy profile in the system so when i put in my information it wont match, they have a different data base what they do is put my social security number in the system, but changr the address and date of birth and address in differently showing a different address and birth day. so ithat i cant access my account on line and block me out also from buy credit monorting sore wath from equifax. if you try to access my report through equifax .com youll see what i mean. also i wont like you to take action againt equifax for violating my constutional rights, i have a mortage pending and i need acess to my credt report. i can be reach at XXXX XXXX
I was XXXX when this all took place so this should n't have went against my credit.
XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank
XXXX XXXX XXXXXXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
XXXX XXXX XXXX XXXX XXXX has received 2 requests from myself asking for proof of the disputed debt as well as proof they are licensed to collect debts in my State. Each letter is responded to with one saying Your dispute is rejected. They have never shown proof of debt or even that they have a legal right to try to collect this since I believe they are not licensed to collect in the State I live in. I can not deny or accept the debt without proof from the original creditor and they have outright refused to provide that.
I ordered a " XXXX XXXX XXXX XXXX XXXX '' from XXXX, XXXX on XX/XX/2018. It worked for a short while then started having issues. After troubleshooting the issue I contacted XXXX, XXXX regarding these issues and had to send it back to them for service. After receiving it back, it was in worse condition. At this point, my purchase was after 30 days but within 90 days, so I contacted Citi Card Benefits on XX/XX/XXXX with all the documents they requested to initiate a 90 day return protection claim for a refund {$300.00}. After the initial contact, I contacted every 15 days to figure out what the status was. It took them until July 18th, 70 days later, to get me instructions on sending the item to them. I sent the item to them in the original packaging and using the original shipping box XXXX, XXXX used. 16 Days after I sent it, on XX/XX/XXXX, then sent back a reply claiming I did not send them back everything and that power cord, software and two screws were missing. I replied back stating the I had sent everything XXXX, XXXX had sent to me. I did not receive a response back and received back the printer a short while later, poorly repackaged and in worse shape. There were four screws missing, the extruder was detracted, the power cord was not in the box, and the metal frame connecting the exturder and fans to the belt was bent. The SD card containing the software was still in the box. A week later, I received a letter stating that the claim was denied due to missing parts. My attempts to contact the Citi Card Benefits have resulted in promises on a call back, with no call back.
Around the XXXX of XXXX XXXX I contacted Bloomingdale 's Credit Card Services ( XXXX ) to verify my account limit. After inputting my card number and other identifying information I was advised that my credit limit was {$2000.00}. I actually thought that my limit was much higher than that. About 5 days later I received a letter from Bloomingdale 's dated XXXX XXXX XXXX stating : " Why we 're writing you It 's been a pleasure to have you as Bloomingdale 's Credit Card customer and to serve your credit needs. We are sorry to hear that you no longer wish to keep your account. As you requested, we have closed your Bloomingdale 's Credit Card account. '' After reading the letter I immediately called Bloomingdale 's at XXXX on XXXX XXXX XXXX to advise that I never requested to have my account closed. The Bloomingdale 's representative indicated that my account was closed in XXXX XXXX which was a surprise to me because around XXXX XXXX XXXX I was informed I had a {$2000.00} credit limit! 
I requested that my account be re-opened because their letter falsely accuses me of requesting a closure of my account. The representative then transferred me to her supervisor. I then re-iterated my concerns to the supervisor at Bloomingdale 's Credit Card Services again stating that I never requested to have my account closed and just a week earlier I was informed that I had a {$2000.00} limit. I also indicated that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act affords me the right to receive an " adverse action '' letter from a creditor if they took an adverse action against me. I did not receive such a letter in XXXX XXXX stating my account would be closed and I did not request to have my account closed in XXXX XXXX. I then requested that the supervisor re-instate my account and she advised that she would have to transfer me to yet another department that could handle that request. I was placed on hold and then a gentleman came on the line, I greeted him and after several " Hellos '' he did not respond anymore so I disconnected the call. 
I am very concerned about my credit reports and my credit scores being adversely affected by the closure of a 7 year old account with Bloomingdale 's which was in perfect standing and for no reason of my own. Also, it seem peculiar that the gentleman in the Bloomingdale 's credit department would not respond after coming on the line and has not called me back to discuss the matter.
In XX/XX/XXXX my XXXX loan servicing was transferred from Conduent/ACS to XXXX XXXX XXXX. Payments sent to ACS after XX/XX/XXXX were supposed to be applied by ACS to  XXXX. I sent in my regular monthly payments ( timely ) on XX/XX/XXXX. I had not at that time received a notice from XXXX at that time to change servicers. THE XXXX FAQ site covering the change says that any payments received after XX/XX/XXXX would be applied by ACS to XXXX. As of today, XX/XX/XXXX I do not see that this has happened as I am getting past due notices from XXXX for a month 's worth of payments ( {$300.00} ), which I assume to be XXXX 's which were never sent by ACS to XXXX. 

This issue encompasses XXXX loans, whose monthly payments total the above {$300.00}. 

The XXXX # are : XXXX XXXX XXXX Thank you very much for any assistance you can provide.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX WFXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt  requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WF/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX-XXXX-XXXX-XXXX  I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.
On XX/XX/19, I received an updated credit report from my investigation. Equifax has failed to provide specific investigation results such as who and when they verified this collection. This is unlawful. They are continuing to report unverified information on my credit report that they havent verified by law. The other two reporting agencies are now in compliance with the law and are no longer in violation of my consumer rights. I demand that Equifax immediately delete this unverified account. I have submitted 4 certified letters to them and they fail to remove this item and they continue to ignore the fact that they must provide specific details of their investigation. I am now in the process of pursuing litigation against them and can provide evidence of their unlawful credit reporting and investigation actions. I demand that they remove this item and provide me with an update credit report.
My personal information, including my social security, driver license was stolen from equifax. 

XXXX XXXX XXXX
Capital one credit services have pulled my credit several times in the past year and I have reached out to them regarding this I have never requested credit with capital one credit and there are over 10 inquiries on my XXXX  and XXXX report. Capital one acknowledged these inquires and were suppose to remove them from my credit file however they are still showing on both reports.
I closed on a house recently with PRIMELENDING A PLAINSCAPITAL COMPANY. During the disclosures, the loan agent ( XXXX XXXX ) asked me to sign another disclosure without clearly explaining the reason for it. I signed it and asked the agent on the phone why some charges were higher. He indicated that these charges will be adjusted in the final disclosure. He never indicated to me or disclosed to me that those charges were for a rate lock extension and will never be taken away. Finally, a couple of hours before the closing time on the closing date, he mentioned to me that he can not take those away because they were for the rate lock extension. 

Upon closing, I raised this issue with his boss ( XXXX XXXX ) to get a refund for the charges that I should have never paid. He pointed that I would have to provide written proof of XXXX XXXX agreeing to the rate lock extension charges being waived. I provided him what I could find at the moment. But was asked for more written evidence. He did not agree to provide me with a refund of the interest rate lock extension fees.
I contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.
OCWEN FAILED TO FURNISH A RECAP OF ALL PAYMENTS MADE FROM XXXX FOR THE LIFE THIER SERVICING AND A SEPARATE RECAP FOR ALL XXXX XXXX PAYMENTS.
Originally the debt was claimed to be a school debt. No documentation was provided after repeated written requests. I sent a certified letter as well, asking for the correct information from the original claim to prove it was mine. Debt Recovery Solutions has not provided any documentation to show it was truly my debt and they would not disclose how much they bought the debt for. I found out that the original debt was written off from the original school. 
They did not respond within the 30 days as requested in the letters. I did attempt to settle the debt with the company. 
The debt then was CHANGED to a " medical '' debt on my credit report for the same exact amount. Currently, the debt shows up on my credit report as a student loan again ( as they changed it again ).

XXXX has removed the dispute on my credit score but it still shows up on the XXXX credit report. 

The Debt Recovery Solutions ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX needs to be investigated. This has hindered my ability to purchase a home due to the dispute showing up and because of the amount of time they have waisted not responding to my letters. Thank you.
Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice! All this is happened this year.
I continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help!
Bank of America refused to honor a check for {$1200.00} to a vendor. They said the check appeared to be " counterfeit, '' despite it being very legible, written and signed by the same person, and had no issues that they could identify. 

The vendor relied on the check and paid other bills. When the check was dishonored, he ended up with multiple fees for bounced checks on his account. 

Multiple calls to Bank of America customer service produced no results. They refused to honor the check and refused to refund the resulting bounced check fees for the vendor ( we were both BOA customers ). 

I deal with half a dozen banks on a weekly basis, and some are certainly better than others, but BOA has absolutely the worst customer service I have experienced in many years.