WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a Citibank gold checking promotion that offered XXXX miles AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XX/XX/XXXX to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for XXXX spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than { {$90.00} } in account fees to keep the account open until the points had posted.
On or about XXXX/XXXX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded in a meaningful way or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. Experian has violated the FCRA XXXX regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 
The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES CAP XXXX NA XXXX/XXXX/XXXX CAP XXXX NA XXXX/XXXX/XXXX COMENITY BANK/VCTRSSEC XXXX/XXXX/XXXX CONSUMER PORTFOLIO SVC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOWCOM/WESTLAKE FINANC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FILINGS US BKPT CT IL XXXX XXXX/XXXX/XXXX BKPT CHPT XXXX DIS. 

COLLECTIONS RADIOLOGICAL PHYS. XXXX XXXX XXXX/XXXX/XXXX {$110.00} RADIOLOGICAL PHYS. LTD XXXX XXXX/XXXX/XXXX {$130.00}
Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.
Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.
I filed a complaint about this company XXXX and nothing was done about it. Their actions, fraudulant or not are the reasons why many students are in debt and unable to repay their loans because they do not provide solutions. I'm currently struggling to pay rent and other utilities while this company despite the number of complaints persists. It is amazing how this company is allowed to service federal loans and not offering solutions to resolve issues. I believe this loan taken out by my daughter, not me as I am a XXXX is a total sham maniupulated by XXXX College out in XXXX XXXX added to which my daughter left the school for health related issues long before her sophmore year began. These people do not cooperate and are not helpful in anyway or manner. They do not provide hard copy evidence or proof of the loan or supply you with physical hard copy mailings because they don't want to spend the money and purposely withhold information so they can keep the interest rates high to the point you'd have to starve yourself so they can get richer. It is a complete disgrace that they are allowed to service people who can not afford their unreasonable demands and have damaged my credit score because of it. I will not tolerate this any longer and I will file a second complaint.
I closed my Chase credit card account on XXXX XXXX, XXXX to opt out of further rate increases. At that time the interest rate was 7.99 %. In XXXX XXXX the rate increased to 8.24 % ( I do n't know why ) and increased again this XXXX XXXX, XXXX, to 8.49 %.
Pro Collect has been sending me multiple letters for a debt that is not mine. I have contacted the company several times ; however, they are stating they can not remove the debt from my credit reports unless I agree to pay or take one of the settlement offers they have made. I have also contacted the original debtor XXXX XXXX and they are stating that they have no information on file and that I would need to contact ProCollect Collection Agency. 

I have been dealing with the company for almost 2 years and they have yet to provide me with any type of validation in regard to the the numerous request that I have made.
I am XXXX XXXX XXXX XXXX, Victim Identification Number XXXX within the US Department of Justice Victim Notification System. My current bank is exhibiting the same behaviour as my previous bank that led to the criminal cases justifying the the assignment of my current victim identification number. It is possible that the culprits in the previous Department of Justice cases have started again against my banking accounts and identity. My current complaint is as follows : XXXX XXXX XXXX was grossly negligent in causing a 30 day late payment on my XXXX XXXX XXXX loan account. I have two direct deposit incomes into my XXXX XXXX XXXX checking account. One direct deposit of {$3400.00} is deposited on the XXXX day of each month. The second direct deposit of $ 1,700.00+ is deposited on the XXXX day of each month. I established automatic payment transfer from my XXXX XXXX checking account to pay my XXXX XXXX XXXX auto loan account. For the last 16 months, the bank has paid the auto loan from my checking account as agreed. On the first day of XX/XX/XXXX, my direct deposit of {$3400.00} entered my XXXX  XXXX XXXX checking account. The bank subsequently debited my checking {$520.00} and paid my XXXX XXXX XXXX auto loan as I have previously arranged. The bank has done so for the last 16 months on the first day of each month. I departed my residence on the Island of XXXX to visit family members living abroad on XX/XX/XXXX. Upon returning to my residence on the island of XXXX on or about the XX/XX/XXXX, I discovered the bank negligently failed to transfer {$520.00} from my checking account to pay the auto loan. Although my {$3400.00} direct deposit entered my checking account on the XX/XX/XXXX, the bank negligently failed to make the automatic payment from checking to the auto loan. I then withdrew {$1000.00} and paid the Auto loan twice. One {$500.00} payment for the month of XX/XX/XXXX and the second {$500.00} payment for the month of XX/XX/XXXX. Although the bank personnel apologized for the oversight, the bank still damaged my credit rating by placing a 30 day late payment on my Transunion and XXXX  credit reports. I request immediate assistance at reversing the banks unjust intentional negligence and a immediate restoration of my good payment record on my auto loan. I believe the bank to have acted in reprisal against me because of a complaint I filed to the banks headquarters reference the banks unfair pattern and practice. Please assist at preventing unfair pattern and practice conducted at XXXX XXXX XXXX. 

I further demand that XXXX  XXXX XXXX correct the status of the payoff of my XXXX  XXXX XXXX mileage plus credit card. The card was paid in full via a consolidation loan with XXXX XXXX XXXX. XXXX XXXX XXXX has reported fraudulent information to XXXX  and Transunion claiming the credit card to have been closed by the consumer with a balance due. The credit card was paid in full via a consolidation loan with XXXX XXXX XXXX. There should not be a balance due on the credit card. The banks unfair pattern and practice coupled with its blatant fraud upon my credit report has damaged my credit rating.
I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX  - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.
XXXX XXXX XXXX contacted me continuously asking for money while i was in bankruptcy. Once my case was dismissed they had men contacting me threathing to murder me of i did n't return my car. I was calked a XXXX and told i woul be murdered u am still afraid.
XXXX to some credit collection agency yet they aren't on my credit report from 2012 .. My go bill should handled everything yet dept ed.. Sallie Mae loans are all in great standing s right now.. I'm a veteran trying to accomplish my goals and achieve my degrees. yet I have proof these companies were charged off
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I was discriminated and treated unfairly by suntrust, because of these two other banking employees and a district manager at XXXX XXXX  XXXX XXXX. Who has been spreading untrue things against me and getting other banks to deny me a checking account. Because XXXX XXXX has such hate and malice against me and my mother that she thinks we do n't deserve a checking account. I know she has influenced them to close my account. And they 're recent attitude towards me. I have every right to be angry and outrage and the way I have been unfairly discriminated against. I ca n't even have a bank account because of XXXX XXXX and her defamation of my character.
Hi, my identity was stolen when someone broke into my car and stole my wallet around XXXX of 2016. Since then new accounts have been opened, not paid and placed in collections. I did place a fraud alert on my credit during that time which was only good for 90 days. I have reported and disputed this to the company and have not heard back. When I tried to pull my credit report, their were questions that were never related to me and I am worried. Please get back to me soon.
no contract with XXXX as this account was sold to action financial services. I contact the bureau and the responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home.
Applied to XXXX for employment had to get background check with First Advantage. 
Received my consumer report in XX/XX/2017 saying my social security did not match. I went to the social security office to get proof of identification made a dispute. I thought everything was fixed but called and they now said I had a XXXX I dispute it but every now and then when I call they still say I have a XXXX so they haven't fixed it. Now they say they can't find my credit score and history I have I have checked my credit everything matches my name everything is fine so I don't understand how they can't find my information. I have been trying for months to start working and they haven't done anything to fix my disputes and whenever I call they are always so rude and don't want to help at all.
RE : U.S. NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES XXXX. Wrongful Foreclosure. Violation of California Homeowner Bill Of Rights, Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). False information filed under penalty of perjury on California Declaration Of Compliance dated XX/XX/2016 as part of the Notice Of Default. Specifically, homeowner, XXXX XXXX, received a phone call on her cell phone on XX/XX/2016 from a representative from XXXX XXXX XXXX. The representative inquired about homeowners plans for the property as payments were delinquent. The representative was advised that there had been a change in material and financial circumstances. That the co borrower spouse on the loan, XXXX XXXX, had been diagnosed with XXXX XXXX on XX/XX/2016 after having been ill but undiagnosed for one year. The XXXX representative was advised that XXXX XXXX 's illness had kept him from working full time in his small business and had caused a substantial drop in business income. The XXXX representative was advised that the homeowners needed a review for loan modification as the interest rate of 8.625 % was too high and made the mortgage payment too high. The XXXX representative advised the homeowner that a review for a loan modification was " not an option '' because a loan modification had been previously completed. It was not until I received a consultation with an attorney, that I learned that the bank and or assigned servicer were obligated by law to review for a loan modification if there had been a change in material or financial circumstances. The statements made by the XXXX representative discouraged the homeowner from pursuing a review for modification. The SPs Representative violated the homeowner 's rights by NOT fully exploring all the available options to avoid foreclosure. A California Declaration Of Compliance was filed XX/XX/2016 with the Notice Of Default, falsely stating that all options to avoid foreclosure had been explored with homeowner. My rights have been violated. My home is being sold without due process of law.
account : XXXX debit card number : XXXX XXXX XXXX XXXX Chase Bank has placed me, XXXX XXXX, in a humanitarian crisis. I notified Chase Bank that I would be out of the country XX/XX/XXXX thru XX/XX/XXXX When I attempted to reserve a hotel in the XXXX, the charge was declined and I was not able to locate a place to stay, as Chase Bank had restricted / declined all my purchases. 

I called Chase Bank 6 times to resolve this. There was no suspicious activity nor any reason to decline the hotel transaction. Chase Bank then blocked the card for ATM withdrawals. I was not able to purchase food. I had some nuts and I am stranded here in the XXXX. HELP. Urgent. This is an emergency. I am very far from any embassy or consulate. 

Chase Bank has stranded me. I have over {$2000.00} USD in my account, but for no reason, Chase Bank has Frozen my account. 

At first the outsourced representative in the " Fraud Department '' asked to text me, but I am OUT of the country, so of course I can not receive texts. I do not have that phone, that plan or a way to receive SMS in another country. 

After I told the outsourced representative, they refused to verify me with a ) account activity b ) my credit profile c ) having me login to my account.

I can of course log into my account. Chase has frozen all transfers, payments, withdrawals, debits, for NO REASON at all. I just tried to book a hotel, got declined by Chase and now they are punishing me and I have no access to funds and I am in a foreign country. 

HELP! Urgent! Emergency! Humanitarian Crisis.
Used PNC 's Online Bill Pay to pay my XXXX XXXX credit card bill. In the autopay option in my PNC online bill pay, I had set up autopay and chose the option to pay " amount due '' upto {$1000.00}. It was my understanding that this would payoff the entire balance of {$450.00} on my statement from XX/XX/2017 ( since this was less than {$1000.00} ), but PNC only paid the minimum payment of {$25.00} for the last four months. This resulted in interest charges, and a negative impact on my credit score.

I brought this up with PNC bank talking to two different representatives in online banking services yesterday and today, and escalated to the manager today. They all refused to admit that there was any problem whatsoever with their systems, and refused to address the impact of the error.

Specifically, it is my opinion that 1 ) " Balance Due '' does not mean minimum payment and they fix their interface which I believe is misleading and erroneous.

2 ) Admit that this was a bank error and take responsibility for all interest charges from this error. 

3 ) They compensate me for the negative impact on my credit score, and their mistakes. 

Thank you for your help in resolving this issue.
XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX  ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
I contacted American Education Services ( AES ) in reference to three delinquent payments that have been reporting as a negative item on my credit for the last three and a half years. I have submitted verification requests for this information previously to no avail. I 've also submitted " good faith '' letters asking that this information be removed because ever since the loan reached maturity I 've made full on-time payments. AES never removed the information so I decided to try to get to the bottom of it today. After reviewing my payment history the floor supervisor I spoke to said that each reported delinquency was reported while my APPROVED forbearances were going through THEIR processing system ( I would also like to add that all forbearance request paperwork was submitted on time so there was no processing delay on my end ). Once the forbearances were approved it voided the bill and there was no longer any payment due however AES still reported to my credit that I was delinquent on said payment and never corrected the issue. Nor did they correct the issue when I requested they do so in good faith. They also never properly looked into the issue when I requested verification -- had they looked into it properly it would 've been obvious that my account was actually in forbearance during these dates and the information would 've been deleted. This is THE ONLY negative account on my credit reports at all XXXX bureaus. It is egeregiously irresponsible for AES to report inaccurate information and then proceed to be negligent when it comes to correcting their mistakes. As a consumer and an American who relies on the credit system for verification of my 'worthiness ' for just about every product ; this has negatively effected me unfairly for over three years. 

Furthermore, AES did not inform me of all of my repayment options. There was a borrower discount program available for my loan that would be assessed after 36 on-time payments. I was disqualified from this program without my knowledge -- I 'd like to reiterate that I was not made aware of this program AT ANY POINT. AES disqualifying me from a program with stipulations they never made me aware of is another egeregious and deceitful practice that should be addressed. All consumers should be made aware of repayment incentives and certainly not disqualified from potential money saving programs without their knowledge. 

In summary, AES has mishandled my loan repayment process from day one and I expect the situation to be reticfied or I will take legal action against them.
There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help.
Hi I bought a new XXXX XXXX from XXXX XXXX financed by XXXX XXXX XXXX as my previous second hand car also bought through them was leaking oil it was a lemon. They rolled the negative equity from the trade in from my XXXX into the new loan without telling Me and also added insurance to the car repayments which I do n't need as I am already insured with XXXX. Now I ca n't afford the car as it is more than double the car repayment I had before. I really needed a car and they took advantage of me at signing with huge auto loan more than double what the car is worth
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX