WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, my Fidelity Rewards Visa Signature card was temporarily restricted by the Payment Risk Group at XXXX XXXX XXXX ( the organization who manages the card ). I called the payment risk group and spoke on the phone with XXXX. XXXX indicated that the reason for the restriction was that a large number of payments had been made using money orders. While we were on the phone, XXXX looked up the issuing bank/vendor for the money orders, verified that they were on an approved vendor list, approved the payments, and removed the account from restricted status. 

In late XXXX, the Fidelity Rewards Visa Signature account was closed by XXXX XXXX XXXX. I spoke with XXXX in the XXXX XXXX XXXX Payment Risk Group on XX/XX/2018. XXXX XXXX   direct phone number is XXXX. Per XXXX, my account was triggered internally by XXXX for review. XXXX refused to provide the reason for the review. XXXX indicated that as a result of the review being triggered, XXXX elected to perform a soft credit pull, and upon seeing that I had applied for other credit cards in the previous month, made the decision to close the Fidelity Rewards Visa Signature account. XXXX stated that XXXX considered the account to be a risk due to high usage, even though all balances had been paid in full by the statement due dates. 

The Fidelity Rewards Visa Signature card is agreed to have a 2 % cash back rewards component. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX that a final statement was processed and placed in the mail to me, and that XXXX had elected to assess no cash back for the final statement, despite considerable charges being placed on the account. I disputed the decision, and as of XX/XX/XXXX, XXXX has refused to reverse its decision after multiple conversations on the phone. The amount due to me is {$1000.00}. 

XXXX refused to provide a reason for their initial decision to review the account, so their decision to close the account is not legitimate until a valid reason is provided. Further, the terms of the user agreement were still in effect until the time of account closure and XXXX is obligated to deposit the agreed-upon cashback amount of {$1000.00} into my individual cash account ending in XXXX. 

Thank you for your review of this case.
After the XXXX breach, my wife put a freeze on using either of our credit reports without our consent. We live in Texas, a community property state, where both spouses are liable for the debt of the other. Experian is the only credit rating agency that required I submit a seprate security freeze request. I tried to submit the request on their online form, but they responded saying that " they could not honor the request based on the information I entered. '' They did not say what information was at issue. The reply said I must submit all the same information requested by the form to them by mail. Name, address, SSN, prior address, date of birth, and a fee. First complaint : Why they do not allow on spouse to submit the freeze for both spouses per other agencies. Second Complaint : Not identifying the issue that prevented using the on-line freeze. Third Complaint : Requiring me to send all the information to them by postal service. 
I did not contact them by phone ( they have no email contact information ) because these policie and procedures seem to be designed to discourage consumers from requesting a freeze. In effect they have collected all my personal information and do not provide a easy process for me to protect myself from someone getting hold of that information,
National Credit Adjusters Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX  ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Since XX/XX/XXXX I been contacting our mortgage company, Dovenmuehle Mortgage Inc. to address the need to make our tax payments and correct our impound account. 

The property in question is in the county of XXXX XXXX, purchased XX/XX/XXXX. The mortgage company began an escrow account ( in which we requested, but they will not let us close now ), at approx {$10000.00} annually ( two installments of {$4900.00} each ). 

The county issued a secure property tax bill ( {$770.00} x2 = XXXX ) and two supplemental property tax bills ( {$4300.00} x 2 and {$170.00} x 2 = XXXX ) instead of combining them in to one bill with two installments. The mortgage company paid the supplemental property tax bills as I requested, however are still showing that {$4900.00} is due in XXXX, hence stating we have a shortage in our impound account. 

They have requested documentation from the county reflecting otherwise to make the changes to the impound account as they increased our payment by {$390.00} at month. I have provided this documentation several times, however they are now stating they will continue to collect the higher amount until they reanalyze the impound account in XX/XX/XXXX. Per the supervisor, ( I can't get anyone higher to up to call me ), they will only pay what the county reflects is owed in XX/XX/XXXX, and they have the documentation reflecting it is only {$770.00}, however they WILL NOT make the changes to the payment amount. Hence, we will be required to continue to pay them the {$390.00} a month unnecessarily until they want to change it and then reimburse the funds back to us. Why do they have the right to collect money they agree they don't need? This puts us in financial strain and if we don't make the payment we may loose our property. 

Secondly, if they make the payment to the county of {$4900.00} instead of the amount due, we will show a shortage and then again risk loosing our property. 

I have sent attachments to them on 12 occasions since XXXX XXXX now and we have gotten no where. 

PLEASE HELP US.
I have been mislead by Citibank and spent $ XXXX/months thanks to the promise of a sign-up bonus that they are eventually denying to me. 

I have opened a high fee checking account ( CitiGold ) on XXXX XXXX XXXX with Citibank under the promotion code XXXX, which entitles to receive XXXX TY points after meeting the eligibility requirements ( " Within 60 days after account opening, one qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. " ). I applied on the dedicated Citibank website ( XXXX ) with the promo code and fulfilled these requirements in due time. As the points were not showing on my account, I contacted a citibank customer service representative, who checked my account and confirmed that I met the requirements and the points would be awarded to me at most 90 days later. 

After receiving that confirmation, I did not worry about it and happily continued spending the monthly fee of {$30.00}. In XXXX XXXX, 6 months after opening the account and still not seeing the points, I contacted citibank one more time. Now Citibank is telling me that I was never eligible for the promotion. Moreover, Citibank is ignoring the fact that one of their representatives told me I was eligible, that I had met the requirements and that the bonus was coming. 

Citibank lured me into signing up for a CitiGold account with an attractive sign-up bonus, charged me a high monthly fee, without delivering the promised reward. After numerous message exchanges ( I sent 5 compensation requests so far ), it is now clear that Citibank will not resolve the issue without external support. Therefore I am filing this complaint with CFPB.
Banks accounts opened at XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX were opened or attempted to be open. TD bank was successful they added a account under my name. Transferred monies from my main bank account in a different location Fraud did not catch it in time. Also my mail was forwarded for 5 times now to another location unknown to me, and in turn many of my checks were returned to sender. <P/>I do n't have that info anymore as the account is closed tied to the frauded acount. I need help in finding who is doing this and why.Local Police were alerted and case numbers for both are : XXXX XXXX Contact XXXX NJ Police Department at XXXX for all paperwork. I will also forward anything i have. Posted on XXXX and XXXX today too.Targeting me because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not get you anywhere just fuel my case even more. United states Postal service you forwarded my mail 5 times now with held my mail and sent it back many times after i ask you for an exclusion which means unless i directly come in there with ID, social security and birth certificate and my signature you are not allowed to accept any forwarding of my mailing address to anywhere. You however vilolated my rights as a US citizen and not protecting us will be entered in a lawsuit. I hope you all see how well you think your protected but really not. I also hope none of you go through this. If I have to pay for a P.O. Box you will be forwarded your own bill. I am not going away and refuse to be treated in this way. I want all to see this.
I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt.
AS I UNDERSTAND CFPB & XXXX XXXX HAD AN AGREEMENT THAT CURTAIN CUSTOMERS XXXX WOULD E REFUNDED CHARGES BECAUSE OF DECEPTIVE PRACTICES. LAST FRIDY I LEARNED I WAS DUE A PAYMENT OF {$540.00}. THERE HAS BEEN NOTHING WRITTEN, JUST PRYING INFORNATION FROM XXXX, SO THE FIGURE MAY BE A LITTLE DIFFERENT. BUT IT IS CLOSE. I IMEDIATELY CHECKED MY BANKING RECORDS & could not find the figure. When I CALLED TO REPORT THAT I HAD NOT RECEIVED MY FUNDS I WAS TOLD " SINCE XX/XX/XXXX HAD PASSED I COULD JUMP IN A LAKE AND THERE WAS ABSLOYULY NO RECOURSE!!!!! THE TERM " JUMP IN A LAKE '' WAS NOT USED, THAT WAS THE MESSAGE!! WHAT A CROCK, I NEED PROTECTION FROM THE UNSAVORY??? YOU CAN CALL THEM WHAT IS APPROPRIATE. 

GUESS THAT IS MY CONDINCED VERSION. WHAT OPTIONS DO I HAVE? I WOULD LIKE SOME THAT RESULT IN $ $ $ PAIN TO THIS CROWD!! 
XXXX XXXX XXXX XXXXXXXXXXXX AWAITING YOUR ASSISTANCE.
The payment history indicates that I have paid over {$4000.00} in principal on my {$5000.00} student loan yet Navient is still stating that I owe {$2300.00}. It appears that I am being overcharged therefore I am requesting a break down of how this current amount was determined along with a recalculation.
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$1400.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$1.00}, XXXX. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX  regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from XXXX, Transunion, and XXXX.
I have a home in XXXX new York. I fell back on my payments due to lack of income and tenants stop paying rent. I tried to modify my loan. However my lender Ditech which is the second mortgage lien on property has refused to help me. My first lien lender modified my first mortgage and I have kept my payments on time for over four years! Ditech has decided to litigate and cause me heavy legal fees instead of modifying my loan. I believe that the bank is violating my civil rights because of my race and religion. There are many of their clients in a similar situation where Ditech Modified their loan without any documents. They gave them a streamline modification. This is unfair and I want to pay and have shown my ability to pay my first mortgage after a successful modification. I should be afforded another opportunity. I can afford to pay {$1800.00}. a month if more is needed I will get it.
Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. 

The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.
On XXXX XXXX, XXXX in response to the XXXX hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today ( XXXX XXXX, XXXX ) to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.
I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover what was needed. If I can put money in the account " Pst " time then it should count
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Filed a complaint through the White House of the USA. Was assigned Case number : XXXX with your agency. 
Property address : XXXX XXXX XXXX, XXXX, IL XXXX The following response was received from the Company : " Response We have been unable to establish contact with XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX loan concerning the origination of the loan and retention option. XXXX XXXX XXXX, extension XXXX. '' XXXX XXXX is being less than honest. I spoke to XXXX XXXX on XXXX XXXX, 2015, for 17 minutes, at XXXX XXXX. He told me that he would have a response by XXXX XXXX. 

I received the above response on Thursday, XXXX XXXX, and XXXX XXXX left me a voice mail message on Thursday, XXXX XXXX, stating that your agency has given him until XXXX XXXX to respond. 

Given my experience with the modification process, this stall tactic has been well documented by agencies and customers nationally, and seems to be the standard. 

We would appreciate a response from the company, and we do appreciate your help in this matter. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
information is gathered since age of XXXX, in case of youngns less than that to record, gps trace, listen in etc.. including gathering of emails and phone numbers which are protected under the 4th ammendment and recently ruled on. 

If the police cant intercept nor can they fake a cell tower, then how in XXXX does these companies think that the american consumer is for sale? 

I dont care how you got the info. The fact that you posses it in the first place is a violation of law. We wouldnt want the XXXX to hear abt this ... would we? 

Once a charge is disputed ( and i always demand it in writing ) the corporation must then NOT call the consumer.multiple times they persist and call anyways. The FCC has ruled that this is illegal and fineable at XXXX per occurance.
there claiming a breach on rental lease and that i owe XXXX that the origianal amount is XXXX and the dates are wrong i disputed no responce from them but credit bureau said they certified accurate but wont send information used to validate.
this account was opened fraudulenlty and is a result of identity theft but yet is reported on my credit report ..
My student loan account XXXX with a balance of XXXX has been corrected by my student loan company XXXX ( XXXX ) showing that I have never been late. However Experian is still showing them as late. I have contacted my lender and they said they have sent the correction twice to them in the last month and do n't understand why they have n't corrected it. This error has resulted in getting denied for a mortage and when I try to dispute it with Experian they stated that it was " previously disputed and leander came back verfied '' and thus will not investigate, however lender stated that they did n't verify anything and was never sent anything by Experian for a dispute. The lender stated that they have exhausted all their efforts to correct the error and its up to Experian to report it correctly. Experian refuses to look into the matter. I am filing this complaint as a last effort before filing in court for the damages of being denied a loan if they refuse to correct it at this point.
According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with Transunion and XXXX even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when Transunion and XXXX can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that Transunion and XXXX place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.
JP Morgan Chase basically accuses me of lying about the procedure and the fact that we provided every single piece of documentation that they requested in a timely manner. I ( as well as the attorney that I was working with ) mailed everything piece of documentation that they requested and in a timely manner. They are also basically of accusing me of lying when I tell about a representative refusing to accept a temporary payment when I called to make one after making them for several months. 
I am completely XXXX at the defamation of character and the fact that they can XXXX us over and left us homeless by foreclosing and selling the house when the sale was supposed to be stopped and they sold it anyway and just get away with it. 
I have reported this matter numerous times hoping that someone will help obtain a satisfactory resolution and I will NOT stop reporting the matter here or with every organization that matters.