WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the Citi XXXX Visa XXXX card in late XXXX 2016 under an advertised promotion to earn XXXX XXXX bonus points after making {$2000.00} in purchases within 3 months of account opening. After completing the required spending in two months, the points were not credited. On XXXX, Citi responded to my inquiry via email pointing to the current language on the company 's website stating the promotion is not available to existing Citi cardholders. The exclusion language was not on the Citi 's website or card 's terms and condition when I applied for the card. I responded to customer service and offer to mail/fax/email in screenshots of the promotional offer and terms and condition captured at the time I submitted the card application. Citi still would not honor the promotion with the screenshots stating the current language on their website override all previous offers. I called customer service on XXXX/XXXX/16 and spoke with an associate and a manager. Both reference the same current website language and ignore the previous offer. The manager XXXX XXXX XXXX XXXX even stated that he believed me when I said the language may be missing from the website at the time the application was submitted but the 24 months exclusion have always been the rule for the more than 5 years since we work at Citi. If the exclusion language was not present when the application was submitted, I should receive the promotion offer and should not be subjected to new terms and conditions that were displayed after the account was created. Citi is reneging on the original offer with recently added terms and conditions.
I was almost victimized by a company because they made the assumption that I would be a regular user of their services. Many, ( especially web sites ) businesses use this underhanded tactic to steal money from unsuspecting people. I think that something should be done to stop these companies from preying on people. I used the services of XXXX one time in XXXX of this year and I paid them {$19.00} for their services. They turned around and charged me for a month 's fee in XXXX, ( {$22.00} in XXXX ( the same day ), however, I used PayPal, and somehow PayPal neglected to pay them any more money until XXXX XXXX. 
I called them as soon as I realized that they had done this and demanded a refund of at least the XXXX XXXX payment and they did so. This should not be allowed to happen. At the risk of offending someone reading this, I feel I must say that this is the reason why XXXX XXXX has gathered so much support in this country. Many of our business leaders think that things like this are a good way of doing business. The charges should be posted in such a manner as to leave no doubt in the consumer 's mind as to what hey are consenting to. The consumer should be given the choice at the time of purchase of whether or not to have a recurring bill.
I was denied a credit card and I opened a dispute with the credit reporting agency ( XXXX XXXX, XXXX ). The information on the report is for a Chapter XXXX bankruptcy that I filed on XXXX/XXXX/XXXX in connection with a car loan. The XXXX only negative item on all XXXX credit reports is this item and is only on from this reporting agency all other entries ( XXXX reporting agencies ) involved with my XXXX XXXX were removed after the seven year period. I uploaded supporting documents from bank that had the car loan and a letter stating my explanation for the dispute and a letter denying me a credit card. I uploaded the supporting documents three days after the date of filing the dispute as per there directions. A decision was made not to change my credit report prior to them receiving supporting documents or reading my letter of explanation. I spent many hours locating the papers to sent and to write and to upload them. Nothing was said about the documents in their response nor was there time for them to read them their decision was made prior to them receiving the papers. It never communicated that they even received them it was on my end though.The process was very hard for the average non-computer savvy person but I took them to work and had the secretary send them no PDF converter at my home computer. I have copies of previous credit reports from this agency that states this item will be removed in XX/XX/XXXX. The newest report states XX/XX/XXXX for this single item from this reporting agency only.
I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through XXXX in XXXX. We traded the XXXX XXXX in for XXXX XXXX XXXX on XX/XX/XXXX in My name only this time.That being said the XXXX XXXX was paid off through XXXX and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car ( XXXX XXXX ) . Initially there were two 30 day lates, one reported onXX/XX/XXXX and the other in XX/XX/XXXX. I was advised to dispute it by XXXX because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed one 30 day late which was the XX/XX/XXXX. When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX, MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my Sales person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX so how can we have a 30 day late on our credit report for XX/XX/XXXX & XX/XX/XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XX/XX/XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither XXXX or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what XXXX 's response was or I really feel like they are n't even investigating the matter.
Disputes were sent to Transunion on XXXX XXXX, XXXX asking them to validate the debts by providing proof that these belong to me and are reporting correctly on my credit report. Transunion responded by sending updated credit reports stating that the debts had been verified, however did n't provide proof of how they came to those conclusions.
These people have been calling several members of my church, ( not an employer ), asking to verify my social security number and other personal information for " an important business matter. '' They told XXXX church member that they needed my information because they intended to garnish my wages to collect a debt. Again, I receive no wages from my church. This seems like nothing more than a scam. Everyone is rather scared and confused, and I now get embarrassing calls from other people in my congregation trying to understand what is going on.
I have ( 2 ) monthly reacurring charges from XXXX XXXX University ( XXXX ) in the amount of {$25.00} and XXXX XXXX in the amount of {$17.00}. On XX/XX/2018 the charge for {$25.00} from XXXX XXXX University posted to the account making the account negative - {$23.00}. I made a deposit to my account in the amount of {$50.00} on XX/XX/2018 at XXXX CST at a PNC ATM at XXXX XXXX XXXX XXXX, IL and found it strange that the {$50.00} didnt become available in my account immediately. I didnt think anything of it at the time because I normally dont have any issues with making deposits at the ATM. The next day I checked my account and noticed I was charged a {$36.00} NSF ( Returned Item Fee ). I reached out to PNC and expressed my concern in a very professional manner and explained to not only 1 representative but 2 and not only 1 supervisor but 2 that I made the deposit to secure the funds in my account and cover the {$25.00} charge on the same day the charge posted to my  account and was still charged a {$36.00} NSF fee larger than then my actual charge of {$25.00}. 
I think thats highway robbery and shouldnt be legal and very unfair to your customers and a bad business practice. Not only did I deposit the funds the same day and still got a fee I experienced horrible customer service ... .from 2 supervisors on your Money Management Team and only 1 representative I spoke with named XXXX was empathetic, friendly and understanding. I appreciated that because the 2 supervisors were in my opinion dry, very condescending, unprofessional and not empathetic at all to my situation and never tried to resolve the simple issue but, they represent PNC in a management position ... thats horrible and disappointing. Instead of amicably resolving the issue your ( 2 ) managers quickly shut down any option to resolve or descalate the issue but instead provided contact information to file a compliant and stated they were the highest level and refused any other assistance .... thats horrible customer service from management level ... and to say it was not a bank error and the deposit was made 11 minutes after cutoff so, unfortunately me being a customer with PNC doesnt matter and a courtesy couldnt be extended. 
This fee has caused a snowball effect causing not only for me to pay a fee to PNC but, to pay a fee to XXXX XXXX University because the {$25.00} was returned although I made a deposit to my account to cover the funds in my account. I am contemplating closing my account because this was a very disappointing and horrible experience and Im very shocked at the way your selection of management handled this situation. Instead of making things right and showing value to your customer they handled it in a very unprofessional manner and caused your customer more harm financially.
I have contacted this company several times in an effort to validate an account. I have requested that the company send me a contract with my signature binding me to the debt that they are claiming that I owe. However, the company have failed to validate the account. Other than me going up to the company in order to resolve other accounts, I would have never known I had this unverifiable account with the company. The company failed to contact me in regard to this account. In my opinion I think the company hold on to aged account in an effort to collect a higher return from interest. After researching this company, I have seen were the company overall profit has substantially increased in no time. I dont think it is fair that this company failed to communicate with me in regard to this debt, and I feel that the company is violating my consumer rights by trying to force me to own up to a debt that they have not fully validated. After I found out about this debt I requested the representative at the office to print out any copies of any documentation of any correspond that was supposedly sent to me and her response was she cant. I got the entire conversation of the representative unethical practice at this office. I feel that the company need to hire more people in the upper level other than the XXXX. Seem like this is the only person that you have to deal with because no one is in the upper level position.
I am XXXX status of approved XXXX and Pending XXXX ( adjustment of status ) with Employment Authorization Document. 

I applied for mortgage loan and explained my XXXX status and ask them to check it even before they run my credit, and they checked it with their underwriter andsaid there is no problem, I sent all my documents and got the pre-approval letter and found a house, after I paid for appraisal and all the other parts of it I got conditional Approval letter from them. As XXXX of the last steps I was supposed to open a checking account to get extra discount on my interest rate and they said they ca n't open the account online and I have to go with higher interest rate. When I said I can fly to a branch ( the closest is in XXXX, CO ) they said that will work. I flew there and submitted all my documents and returned to XXXX. After a couple of days they said not only I ca n't have a checking account with them but also my loan is denied. The reason they gave me is my XXXX status, what they knew from the beginning. They say because I am from XXXX I have to either have a XXXX or have XXXX despite what they told me in he middle of the process that if I am transitioning from XXXX to XXXX I have to have the approval letter of my XXXX ( which I have and provided to them ) along with my Employment authorization Document and a letter from my employer, I provided all of them. 
It is obvious if I had not applied for checking account and had accepted the higher interest rate this had not happened. 
Their XXXX department has made this decision as far as I could understand. 

The excuse they gave me was obvious to them from the start and they just played with me and I feel I am being discriminated based on my national origin which is against the Fair Housing Act. And this whole thing has made lots of punitive damage to me and my family.
After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.
I wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 SYNCHRONY BANK XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements
Sun loan companyXX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX
I opened a checking and savings account with First Bank on XX/XX/XXXX in order to take advantage of the XXXX $ promotion they had. They told me that I would see the credit aplied with in 60 days of opening the account ; however, the credit was not aplied. I check my bank account two to three times a week to make sure that everything is running smoothly but have not seen the credit applied once. Today I decided to call and check when I would be seeing the credit but was told that it was posted on XX/XX/XXXX. See it in the bank statement but i know for a fact that it was not made available to me as Ive been constantly checking my account and it has not reflected the deposit. Now that I want to go back to the deposits and withdrawals that Ive made online and in the app it says that the details for XX/XX/XXXX-XX/XX/XXXX are no longer available and the statements are the only place to see the deposit?!
Credit score with Transunion significantly dropping even after paying off accounts and lowering my utilizations. No explanations for score dropping. Possible fraud going on.
Their refusal to have the accounts removed has ruined my life and especially my credit. The department of education has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with Navient and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXXand they are all the same accounts.
Exorbitant service charges without warning I have recently been making a quite a few online purchases using my peoples debit card via the online service paypal. I use my debit card online because it should be the same as cash with out fees. I had n't noticed these " network service charges '' until my most recent statement where the charges reached {$81.00} dollars. Furthermore the total charges for the past 12 month are {$200.00} in total of said " Network Service Fee 's. '' On Monday XXXX XXXX, 2016 I contacted XXXX, peoples, and had a conference call with XXXX institutions. I First contacted XXXX to question the fees on on bank statement, I spoke with a supervisor and he assured me that they do n't know why peoples would be charging a " per use '' fee. Second, I contacted Peoples, explained my frustrations on being charged over {$80.00} dollars in fees in one month alone, they assured me that " XXXX was aware of the methods of payment charges according to the 'nice ' system. '' From what i gathered from the conversation with peoples bank is that i am being charged as if i were using a " non-network atm ... '' I Have never been charged a fee to use my debit card online. ever. Furthermore, I do n't understand, nor could peoples bank explain, how making a purchase online is in the same category as making an atm withdrawal. When i make an atm withdraw, which is infrequent in my case, i am immediately notified on the screen of the impending charges BEFORE i make a withdrawal and only then am i asked to proceed. These charges on my statement have had no such warning. I asked peoples for an explanation of these charges and a refund. They denied my request. Explaining that " it 's in their universal contract '' that they will not refund and its not a problem with them, but the issue lies with paypal and " how they initiate the charge. '' To the average consumer, such as myself ' I would have no way of knowing that these charges would be instilled prior to to getting the statement! I feel defrauded out of {$200.00}, due the the fact these charges were instilled with out my knowledge. If I were to have known prior to these purchases that an additional {$3.00} " Network Service Charge '' per use of XXXX were to be placed i would have certainty have not done so.
I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).
On XX/XX/XXXX, I was involved in a motor vehicle accident with my XX/XX/XXXX XXXX XXXX financed through Toyota Motor Credit/Toyota Financial Services. They are was deemed a total loss and my insurance carrier, XXXX, paid off the remainder of the loan and the title was signed over to XXXX by Toyota. I also had gap insurance. On my credit report, I am showing a charge off for a balance of {$700.00} on XX/XX/XXXX and late flags for XXXX, XXXX, XXXX, and XXXX. When I contacted Toyota to dispute this and get more information, I was informed that my account was closed and they were unable to access my account or help me in any way. This leaves me unable to dispute this with them and I have no where else to turn. The resolution I would like to see is the charge off removed from my credit report and that of my husband 's ( the joint account holder ) and the late flags removed for XXXX, XXXX, XXXX and XXXX on my credit report as the loan was satisfied and the title was released.
Delta Management went through the State of California and garnished my retirement with out any prior communication. They claimed I had signed a loan consolidation through them and I had not. When I ask for proof they would put me off and would not respond to my calls or e-mails. I tried to work with them and they appeared to want to work with me but when I started to comply with their request, they backed off, The process went like this : They were informed and requested for paper work to work with them on a payment plan. 
o I complied with every request made. 
o I saw on the internet where they were doing things that were not in compliance with the information that was on their website. I inquired about it. 
When I inquired, that is when they stop trying to act as if they were working out a plan with and for me. 
The XXXX said they are not working for them and they have had a lot of problems with honesty and integrity and they were not representing them.
This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.
Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed
XXXX XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history. Please conduct a proper investigation and remove these items from my credit report.