WillisBack/dataset-financial-user-claim huggingface dataset:
Dear officer, First of all, thank you for your time on this issue. Back in XX/XX/XXXX, I was cashing a check at one of the local Citi bank branch, one of the banker approached me with an offer to get {$500.00} cash bonus. Then she helped me to open a Citi priority checking and savings account with the promo code XXXX /. I called the customer service line and all of reps confirmed that I will receive it by the end of XX/XX/XXXX. Meanwhile, I got the Citi Secured message communication with rep XXXX XXXX, she confirmed that I will receive the {$500.00} bonus in writing, here is the direct quote from the message and please see the attachment for the full transcript. I see that a {$65000.00} deposit was made to your account on XX/XX/XXXX and at least {$50000.00} has been maintained in your account for the 60 days required. 60 days from XX/XX/XXXX was XX/XX/XXXX. The fulfillment time for the promotion to be awarded to your account is 90 days from the end of the statement period in which you met the qualifying requirements, which will be the end of XXXX ( XX/XX/XXXX ). 90 days from XX/XX/XXXX will be XX/XX/XXXX, which is the date that you should have your cash bonus awarded to your account. 

I was confused why I still did n't get the {$500.00} since now is XXXX, then I asked for another research on XX/XX/XXXX and got a response on XX/XX/XXXX as The terms of this offer state your new checking account must remain open and in good standing in order to receive this offer. Unfortunately, you do not qualify for the promotion as the checking account number ending with XXXX has been closed. ( please see attachment for the full research result ) Then I did the online chat with Citi bank to ask why my account was closed, the rep told me it was inactive, which does n't make any sense. I did n't get any notification saying that the account will be closed due to inactive and it happens to be that the account was closed on the next day after I ask for the research. ( please refer to the online chat transcript ) I have been calling Citi bank customer service back and forth and still did n't get a formal response why my checking account was closed without notification, which caused me could not get the {$500.00} cash bonus. I am running out of patience to wait for another investigation I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. Thanks again for your time and have a great day! XXXX
Capital One 360 made a bank error, overdrawing my account in error, causing me to have inconvenience and incur fees to access funds elsewhere. 
I had a dispute regarding a charge XXXX/XXXX/16 from XXXX XXXX XXXX, where the merchant ( hotel ) owed me a refund of XXXX dollars on a charge of {$880.00}. I called Cap One, who issued a provisional credit of XXXX . I received no further documentation. 
On XXXX/XXXX/16, Cap One mistakenly debited {$880.00} from my account, even though the provisional credit was only for {$280.00}, when they resolved the dispute in the merchant 's favor. 
Notwithstanding the fact that I never was contacted about the dispute to provide documentation ( I have an email hotel regarding promised refund ) - Cap One debited my account for {$600.00} MORE than was at issue in the dispute. 
Capital One apparently realized their mistake a week later, issuing a credit for the amount on XXXX/XXXX/16. However, their error caused me great inconvenience, time wasted, and financial costs. 
Today, XXXX/XXXX/16, I called Corporate Office, asked for Exec. Customer Relations - instead was transferred to a supervisor for credit cards. 
I called Corporate Office a second time, asked again for XXXX, specifically for Cap One 360. I was transferred instead to an escalations department for retail banking ( XXXX, id XXXX ), who said she needed to transfer me to 360. Then she got XXXX, id XXXX, at 360 on 3-way who said she needed to transfer me to 360 business. I asked whether I was still at an escalations level, and they said no. I said I called XXXX specifically to speak with an escalations level, and that I would call Corporate Office again. 
I called Corporate Office a third time and they were closed. 
360
I did a money transfer on XX/XX/2017 when the person that was supposed to receive the money went to pick it up he was told that the transaction number was incorrect. He went three times to try and pick up the money but Was also told that the money he was trying to receive was not there. He double checked that all his information was correct which it was and still had trouble receiving the money. It 's been 15 days now so I 'm making this claim because you failed to provide this service and for not going through with the transaction the day it was supposed to happened. I 've tried to call customer service but no one has givien me a solution to this issue. Dolex dollar express inc. my name is XXXX transaction # XXXX Beneficiary : XXXX
I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called  XXXX   XXXX , which gave a service date of  XX/XX/2016    on a statement I received from them dated  XX/XX/2016   , to which I replied on  XX/XX/2016    telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.
On or about XX/XX/2018, I applied online for a credit card of XXXX XXXX Visa Card by Citi. The Citi credit card company denied my application immediately after I submitted online even I have good credit and good credit scores.Also, I am a XXXX member ( XXXX membership number XXXX ) while many others people have much lower credit scores than mine still got approved,
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX XXXX Act. # XXXX   XXXX/XXXX Act. # XXXX XXXX  Act. # XXXX-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX  | ( XXXX  ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX  ) XXXX  THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX Act. # XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
My Walmart credit card bill was due XXXX XXXX, 2015. This was a Saturday. I paid my bill on XXXX XXXX, 2015 which was a Monday. I was charged a {$35.00} late fee. According to President Obama credit card law, I had till Monday at XXXX to pay this bill, which I did. I called Synchrony Bank ( payments for XXXX credit card ) on XXXX XXXX, 2015 at XXXX and spoke to a customer service rep. He stated he would not reverse this late fee. Asked to speak to a manager and the manager also stated he would not reverse this charge. Stated he did n't have to follow the credit card law.
zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop
On  XXXX   XXXX     2017, we paid o ur HELOC balance in full.   Prior to payment we  called    XXXX   XXXX   to let them know we were paying off the full balance on     XXX/X/2017  .
We asked if there would be any problems if we did not make a   XX/XX/2017  payment,  as full pay-off would be made 72 hours l  ater.   We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' paymen t on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay  -off seven days earlier, it was unfair of   XXXX   XXXX   too harm our credit with a late report.
The Credit Rating companies -  XXXX    XXXX  and  Experian- h a ve wrongly reported this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
The aes loan I am paying back has worked out a payment plan for me. Now they told me they can no longer help me out with a payment plan and I have to pay the full amount. How am I supposed to pay the full amount if I do n't have the money? I would would be able to pay half the full amount. Please help.
It was 2 glitches with Trans Union and account was taken off the re added without me being notified. This is illegal
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX
Dear Chase Bank, After reviewing my records with XXXX  ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Chase. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX
I close my account, because I made a payment earlyer then, the date before it was due, I paid a XXXX dollars on the payment it was only XXXX and I paid a XXXX thinking that enough for 3 payments, so I didn't pay XXXX, customer service call telling me I missed a payment, so I tried to explain to her what I did, she wouldn't accept it, so I sent in two payments to get back on track, payments of XXXX, I wasn't please with the way customer service talk with me, so I made a loan and paid them off, I call and ask them to put my credit back to good standard, they said they couldn't. My credit score was at XXXX, and now down to XXXX, please help. My ID was stolen in2012, and I reported it, I have indents thefs on my record. please help I'm XXXX yrs old, and also .I never lived in XXXX Ga . Thanks.
My interest rate changed in 2015 and I was not informed. My payments were {$.00} short, a whole dime for 6 months. Wells Fargo began calling me stating that my payment was late. They charged me fees of {$28.00} as a late fee. When I checked my account they had pulled my {$240.00} payment on time every month. It took almost an hour of talking to customer service for someone to tell me that because I was {$.00} off for a total of 6 months of payments I was considered late and in default. I explained I was not informed that my interest rate had changed and was told that I should be monitoring my account as they do not send notifications. I was charged {$28.00} dollars and considered delinquent over {$.00}, not even a dollar. Had they informed me correctly I would have adjusted my payment as it comes out automatically because I have checking accounts with Wells Fargo. The tactics and fees are disgusting even to people who are trying to pay on time and are solid customers of their bank.
I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.
I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar.
Under Texas Finance Code 392.202 for debt validation I have had my rights as a Texas consumer violated and ignored. I sent State Collection Services a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in XXXX ways. XXXX, for ignoring my request, and XXXX, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus ( XXXX, XXXX and XXXX ). There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by State Collection Services and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you
I have sent TransUnion Multiple requests for Debt Validation letters and have submitted multiple online disputes. I am requesting per my legal rights the following information identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt This is in regards to the Account Numbered XXXX they are reporting on my credit report in the amount of {$3500.00} They have violated my rights each time i have requested this information by simply not complying with my legal request
OK hope this works this time. Been looking for a puppy XXXX for 2 years. Fri came across XXXX We converse and emailed for 2 days before we made our decision. Sun we agreed to pay the XXXX. In the initial email it takes all we have to pay is the XXXX to get the puppy with akc papers bc the company has coupons for free shipping for the puppies for Mon Wed and fri. Sun evening I moneygramed XXXX to XXXX. Mon morning I got email saying thankyou for choosing them and that they were doing the paper work on the puppy and they will take him to XXXX pet movers by Wednesday. Wednesday morning come and I get a email from pet movers which is saying that I have to pay XXXX for insurance on the dog. I told them I ca n't afford that. I emailed XXXX and told them what XXXX said and that I ca n't afford that and that was n't in the email or the website. Get email back from XXXX saying they are trying to work the money situation. I replied no I just want a refund. Never heard nothing else. Thursday morning I repeatedly called and emailed XXXX. They blocked my calls and my daughter calls. I call private and finally got an answer after about ten tries. The people saying I can get my money back on ten days. They had me on speakerphone. The playing rap music in the back loud as XXXX laughing talking mocking me etc .... Needless to say I 'm out XXXX
Target reported me as late on my credit card payment during my  XXXX   XXXX   XXXX  and is refusing to correct the reporting. I had no knowledge of any balance and apparently had a {$2.00} balance and they charged late fees and now the balance is higher. under the SCRA I should be protected during  XXXX  periods from any default reporting and they are refusing to correct this which is affecting my credit report.
I have been getting phone calls from Portfolio Recovery since XX/XX/2018. They always call from a different state area code such as XXXX  for New York and XXXX in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year
I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent
I applied for an XXXX XXXX Visa Signature Card with Bank of America. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.