WillisBack/dataset-financial-user-claim huggingface dataset:
I applied on-line to Citibank for a Thankyou Preferred Master Card in late XXXX 2015, under an offer to receive XXXX bonus points by spending {$1500.00} within 3 months of the card account being opened., I received the master card in early XXXX, and I made a purchase of {$1700.00} on the card on XXXX XXXX, 2015. 
I did not receive the XXXX bonus points as was advertised. Upon inquiring on this, I was told that my account was opened through a solicitation which offered a {$100.00} XXXX gift card after completing {$100.00} in spending with XXXX within 3 months of card membership. 
I do not recall receiving this solicitation. In fact, it was the on-line offer for the XXXX bonus points which enticed me to open the Thankyou Preferred Citicard. This offer is still available on-line as of today. 
I was told by Citibank that I had to provide proof of having applied under this offer in order for them to do anything. I can not do this as I did not print a copy of the on-line application I completed. Given that I specifically applied for the Thankyou Preferred card, despite there being multiple offers for other Citibank cards, I certainly did not anticipate that they would later refuse to credit the XXXX bonus points once I completed the terms of the promotional offer. 
Why would I have spent {$1700.00} soon after the credit card being opened, and nothing else since? 
All Citibank has to do is confirm that the XXXX bonus point offer was in effect when I applied in late XXXX 2015. For them to refuse to credit the bonus points and instead tell me that my account was opened under a different offer is incorrect, and guilty of false advertising. 
I hope you can assist me in resolving this matter. 
Thank you.
XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 
1. My sons name on his CD ( minor ) was spelled incorrectly. 
2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). 
I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.
InXX/XX/XXXXI was buying a home for the first time alone. I took out a loan for XXXX to purchase the home at 7.5 % interest and a renovation loan for XXXX to rehab the home at 9.5 % interest. The bank was HSBC Commercial Bank C/O XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXXXXXX Over the years I noticed that the Principal was barely going down, but attributed that to being told that most of the payment going to interest in the first few years, I did not know that ALL of the payments were going to interest until I got a letter stating that I had an Interest only loan and even though my interest rate would stay at 7.5 %, my payment would go up almost 350.00 inXX/XX/XXXX. I retired after XXXX over 25 years and my income was reduced dramatically and this new payment amounts to almost 1750.00 a month. Every year between XX/XX/XXXXI have tried to do a HARP refinance and once paid a lawyer XXXX to help me do a HARP. My answers have always been negative, even though I have never missed a payment. They in essence tell me my debt to credit ratio is too high and if they lower my payment they do n't think I will pay, even though I never missed the higher payments. It was suggested I miss a payment or short sell the house by employees sympathetic to my situation. Giving me " unofficial '' advice that would ruin my credit or at least put a real bad mark against me.I feel I can no longer afford this payment. I feel I was tricked into this type of mortgage product by HSBC and was turned down for a loan modification unjustly several times by HSBC. My home is worth only about 80,000.00 but I owe over 155,000.00. I am really desperate for some type of help. I feel trapped. Thank You.
Experian will not allow your to file a dispute reference am error on your report.   ive tried numerous time but I continue to get a message that they are unable to help and to contact them when you call them you are placed on hold and then dis-connected
This letter is being sent to you in response to a computer generated, unsigned letter dated XXXX XXXX XXXX, letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. <P/>This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. <P/>At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : PORTFOLIO RECOVERY ASSOCIATES, LLC. The state law for OHIO in which I am a resident, your letter does not meet the minimum standards of the OHIO UNIFORM COMMERCIAL CODE Chapter 1319 : MISCELLANEOUS CREDIT TRANSACTIONS see 1319.12 O.R.C. Taking Assignment of Debt.
Report shows XXXX hard inquiries where only XXXX are valid. ( does not show on XXXX ) XXXX XXXX XXXX in a week due to their own error losing my account information. Should be XXXX valid inquiry only. <P/>XXXX XXXX shows XXXX inquiries on same day for same service. A duplication that should appear as only XXXX valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
My husband & I applied for a XXXX Loan Modification that was approved in XXXX XXXX with XXXX XXXX XXXX. In XXXX XXXX we had trouble making the monthly payment due to a 2 week lag in pay due to a change in my job. We made a pmt of {$750.00} towards my {$1900.00} pmt by the beginning of XXXX to show good faith. Yet we received a Notice of Intention to Foreclose by XXXX XXXX. Then we made another partial pmt and again received a Notice of Intent to Foreclose the following month with 'legal fee ' of almost {$1000.00} added on. I contacted XXXX almost daily trying to find a way to bring the acct. current but I was told the total amount due including the legal fees were required and they would n't stop the foreclosure process until we paid the full amount including the attached new legal fees. Then they told me they WOULD NOT accept any partial pmts ; this all happened in a 3 month period. Frantic, we borrowed the money from my grandmother & paid the entire amount XXXX demanded. We were very upset at the time that after missing a partial pmt in XXXX, that XXXX would start foreclosure the following month and add on legal fees so quickly but, we felt completely helpless and at the mercy of XXXX. We can admit when wrong and we were wrong by making only the partial payment late but we were trying to make every effort to become current right away and we were trying to make partial payments to show good faith. Once the legal fees were attached, it was becoming impossible to catch up. I will remind you this all took place within a 2-3 months while we were still trying to making partial pmts. Anyway, once we borrowed the money to bring the acct current, we decided to put the whole disaster behind us. 
My problem now and questions are .... In XXXX XXXX sold our mortgage to Greentree XXXX Ditech. We received a letter from Greentree in XXXX XXXX informing us were eligible for the Pay for Performance incentive under XXXX. but then in XXXX XXXX Ditech sent a letter stating after an audit of our account we are actually ineligible for any of the incentives because XXXX told them we were 90+ days late back in XXXX. Ditech has now reversed XXXX credits we 've already received from a different incentive adding {$2000.00} to our principal balance and we are n't eligible for the {$5000.00} credit as well now. I have done some research and understand the incentive to be ineligible if : The borrower misses XXXX consecutive payments following the executions of the XXXX modification. ( That is, XXXX monthly payments are due and un-paid on the last day of the third month ) the, I would be considered ineligible for any of the incentives. We feel like we are being given the run-around and no one will give us straight answers. We were never 90 days pat due with XXXX in XXXX and we feel they were starting foreclosure proceeding very prematurely!!! Can you help?
{$800.00} worth of items purchased with my Chase credit card was stolen off my real property by an unscrupulous contractor. I contacted the police and filed a police report and tried to file a claim under my credit card 'Purchase Protection ' but have been given the run-around by Chase . I was on the phone with their representatives for almost 90 minutes on XX/XX/2018, and after being transferred from department ( XXXX to XXXX ) to department ( XXXX to XXXX ) to department, ( XXXX to XXXX ) I  was told to file the claim online and the call was disconnected. When I attempted to file the claim online I kept getting an error message saying that there is a problem and I should contact the XXXX number to file the claim. I called the XXXX number to file the claim and was told to go online to file the claim. 

I have written Chase on numerous occasions about this issue to no avail.
On or about XX/XX/XXXX, Diversified Consultants added, once again, an account that has already been identified as not mine back in XX/XX/XXXX. This is the same company that was included in a federal lawsuit filed in the State of IL and subsequently dismissed when Diversified Consultants removed the account. 

This company continues to report an account that is not mine and they have never provided, in past communications, any proof that the account is valid. Their assumption is based on a name only and nothing else. This needs to stop, and they need to remove this account from my credit reports immediately.
In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue. 

This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.
XXXX XXXX has repeatedly reported late mortgage payments made on time and verified via confirmation. International City Mortgage ( ICM ) has failed to assist/correct the fraudulent reporting of its mortgage payment processing center " XXXX XXXX ''. The excuse for the failure of XXXX XXXX to properly and promptly apply payments provided by ICM is that we provided " incorrect account information :. THE ACCOUNT INFORMATION ( BANK/ROUTING NUMBER ) WAS PROVIDED EXACTLY AS INSTRUCTED BY XXXX XXXX AND IS EXACTLY AS NOTED ON OUR CHECKS. Every payment has been made on time and is verified by confirmation statements sent by XXXX XXXX at the time of every payment, leading us to believe our payment has, in fact, been correctly processed. Weeks later, we receive a letter via US Mail stating they have not received payment. XXXX XXXX then assesses late fees and reports late payments to credit agencies. Repeated requests for assistance and resolution starting in XXXX and continuing to the current date have gone ignored. The fraudulent reports have significantly damaged our credit. The continued lack of response or ANY resolution indicates a serious customer service issue that must be addressed. Additionally, XXXX XXXX, XXXX ICM Branch Manager, upon obtaining our signature on the mortgage loan, immediately removed himself from any role of assistance, leaving us to attempt to seek resolution thru the main office in XXXX, California ; XXXX XXXX XXXX and XXXX XXXX have provided no relief at all. XXXX XXXX assured us he would " be there for the length of the loan '', if we ever had any problems, he would resolve. We are still waiting for ANY assistance whatsoever. Further, XXXX 's promise to set up a twice-monthly payment to minimize the loan interest has evaporated ; this was a key reason we decided to use ICM. XXXX XXXX appears to be using empty promises and false advertising to sell his product.
I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. 

Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.
I JUST RECEIVED A LETTER STATING THAT THEY WILL NOT REMOVE INCORRECT INFORMATION THAT THEY HAVE REPORTED ON MY CREDIT. I HAVE FILED A COMPLAINT WITH THE CFPB BUT NOTHING HAS BEEN DONE. I 'VE ASKED THIS COMPANY SEVERAL TIMES TO SEND ME PROOF THAT I SIGNED FOR THIS LOAN/ACCOUNT ALSO ALSO ASK TO SEE THE VALIDATION OF DEBT LETTER. IN WHICH THIS COMPANY REFUSES TO SEND ME. I KNOW THAT.S AGAINST THE LAW FOR THEM NOT TO SEND ME THE INFORMATION I REQUESTED. I 'VE ASKED THEM TO SEND ME THE SIGNED CONTRACT FOR THIS ACCOUNT, BUT THIS COMPANY REFUSES TO SEND ME THIS INFORMATION. THIS IS AGAINST THE LAW. I 'VE SENT PROOF SHOWING MY NAME AND ADDRESS AND THE ACCOUNT THEY ARE LISTING IS INCORRECT. I NEED FOR THE CFPB TO HELP WITH THIS ISSUE INSTEAD OF CLOSING THIS ACCT WITHOUT SENDING THE ITEMS I REQUESTED.
I paid my debt and when i was getting the amount i was offered a lesser amount to pay and i took the offer and paid and was told that my debt was now paid in full. The company later told me it was not paid in full. This is not right and falls under fraud.
Capital One has committed Mortgage Fraud against me they transfer my loan # XXXX over to XXXX XXXX falsifying that I was four payment behind XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One has never updated my loan in there system I never received mortgage statements in the last two years my loan was listed in Bankruptcy I was XXXX in XXXX my loan was current with a large payment amount to reinstate my loan. I had to hire and attorney XXXX XXXX with another fraud issue Capital One committed doing, there yearly payment statement doesn't match my mortgage payments reciepts. I would like for Capital One to remove those 4 payments error and contact XXXX  XXXX with this error.
On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.
My car was turned in XX/XX/XXXX before the lease was up and our local dealership paid off the remaining lease. As I knew, everything was handled and the car was under mileage and in great shape. XX/XX/XXXX, I started getting phone calls from ally saying I owed fees. I asked the gentlemen why havent I received a statement via mail or email but just a phone call. We verified my email and address and said I would not be paying any fees until I received the summary of charges in the mai. My address has not changed so still unclear why I got a phone call. The guy was harsh and I asked to not be contacted until the bill was mailed and once received then I would contact them. The calls began daily even on Saturday. All hours and it interrupted my job as well. A month later still no statement or email so I did answer and asked again for the next 4 months to mail or email me a statement and its the end of XXXX and still receiving harrassing calls now even from their attorney supposedly. I have still not received a statement of the charges via mail or email. Again my addresss havent changed. These calls have caused additional stress along with affecting my credit. How can you or anyone pay a bill based on a phone call? No statement or anything. The calls have been several times a day 6 days a week now for 5 months when all I asked was to mail a statement. This is harassment and at this time I will not pay for claims I have yet to receive and for the addtonal stress and time they have taken from me, a price cant do justice. I want this dropped before I start filing a case!
I was pushed into deferment, but when i started paying back they said I was late. My payments ( multiple separate loans they say ca n't be consolidated ) went up by hundreds of dollars.
Transunion closed collection accounts after I requested validation of the debt on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the information was placed back on my credit report. No proof of validation for the debt was given. Only a letter stating that the debt was validation. I requested copies of what information they had on file to validate the debt. That information was never received and its beyond the 30 day mark.
My problem is with Experian regarding my FICO score. I/we always have excellent FICO score. From XX/XX/XXXX to XX/XX/XXXX, our score ranged between XXXX to XXXX. This XX/XX/XXXX we paid off our mortgage loan and my FICO score took a huge dip to XXXX with absolutely no other changes in our financial situation. I called Experian and complained about the much lower score and wanted to know if the score is going to keep on falling. Experian 's response was yes, it was because I paid off the loan. Yes, the new lower score would adversely impact my ability to get a most favorable loan rate. Yes, the situation does not sound reasonable. No, there is nothing that can be done and no she does not know when the trend will be reversed and would I be interested to view their web site for some educational material regarding credit? Totally ridiculous response. <P/>We are in the process of buying a retirement property and I find this situation completely unacceptable .... why is it that we need to be in debt in order to be judged as better credit risk? It is illogical and it makes no sense. <P/>I hope you can help us.
I have not looked at a statement from XXXX 's in a very long time because of auto pay. There is a {$15.00} monthly charge from " XXXX XXXX XXXX ''. This has been charged monthly since I opened the account 6 years ago. I feel XXXX for not catching it earlier. When I called XXXX 's account support they said I enrolled in the program when I opened the card and it was a separate company from XXXX's.They then transferred me to speaking to a " XXXX XXXX '' company representative who terminated the service but was only able to submit my request for a fee reversal. I did not willingly sign up for this. If it was a separate company from XXXX 's then they would be able to dispute the charges, correct? The XXXX 's rep said this could not be done. This is around {$1000.00} that I have been paying interest on. I am going to close my account and encourage others to stay away from this company that participates in scamming it's customers.
Collection remove from credit report and re-inserted. 

Equifax is not follow FCRA 611 ( a ) ( 5 ) ( b ) of notifying me within 5 days of re-inserting item back on credit report.
XXXX continues to call my cell. I have told them they have the wrong person and they continue to call me.
My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.