WillisBack/dataset-financial-user-claim huggingface dataset:
In the XX/XX/XXXX I applied for a CitiGold checking account with CitiBank. They were running a very attractive bonus offer : XXXX XXXX XXXX miles for opening an account and spending {$1000.00} on the corresponding debit card AND using their billpay option for XXXX months straight. They even allowed the initial deposit to come from a credit card. Over the course of the XXXX months after opening this checking account I met the terms of the offer AND used secure messaging and at least 1 phone call to their customer support to make sure I was qualified for this offer AND that I had met the requirements. I was assured in both cases that I had. 

The terms required " up to '' 90 days after the statement close on which requirements were met for the points to post. That was around XXXX/XXXX/XXXX for me. No points. In fact, NOW Citi 's customer service is opening " research cases '' that seem to be taking weeks to complete ... what research is needed is beyond me. I am currently on my second pass, the research case is now " escalated '' and I 've waited XXXX weeks with no word. In the meantime, Citi is happy to charge me {$30.00} a month in fees for this account. I 've paid XXXX fees so far and am working to NOT pay another fee on XXXX. 

To be fair, the fees were part of the agreement. However, so was the XXXX miles bonus which Citi is not rewarding. Even better is the length of time it is taking these " research cases '' to complete, all while Citi is charging {$30.00} a month. 

I am sorry I was lured into this offer and I will never trust a deal from Citi again. However, I am positive I am due the promised award of XXXX miles and this is the focus of my complaint. What kind of scam is this, particularly when the CSRs are telling you you are good to go ... until it 's time for them to ante up? 

I will close this account and several other accounts I have with Citi. After many years of doing business with them, I now can not trust them. But I still want the promised bonus particularly since I did all of the work to meet their published requirements with the CSRs coaching me along the way.
I am in need of your company 's help. I received a copy of my credit report and there is a company named XXXX XXXX XXXX that does not belong to me. I disputed this with the bureaus and they stated it was verified. I believe this may belong to my father but I know this is not mine. I am a XXXX and it has happened before that they mix my information with my father but I know this isn't mine.
An American Express customer service representative has been calling a family member, to ask for my personal information like social security number, DOB, adress, for a credit card debt i have, this department calls daily, at all hours, weekend to my cousing to his home wich i have live before, my cousin informs me. My cousin told him that he could not give me that information because it is personal and he was not authorized to give this information and he dont have anyway. He does not know this information to give, the person insisted that give it to him because it is a debt with american express.

I had talked to them before and told them that if I could fill out the form fo the card insurance because to pay off the deb, I lost my job almost two years ago and Iam not working, they refused to give me that benefit.

I would like for this to be investigated, and give me the benefit that I have for the insurance of the card that come with it, my account should be completely paid by them, according to the law, also for the harassment to my person and my family, as well for denying me the insurance benefits of the card.

I hope you dep can help me with this abuse of power and influence that American express has.
I sold an item on Ebay and as a result the item was paid for using PayPal. Unfortunately they keep putting a hold on my funds and I sell these items to pay bills. I was on a probationary hold with Ebay for safety reasons of fraud, but I am the one who is at risk. It is not fair that now they have removed the hold and now PayPal puts one on. I had to pay almost {$75.00} to ship the phone to XXXX and that included insurance and return receipt. This is not right that they do this, when they are the 3rd party and they hold money when the merchandise leaves the seller. The money is the security as the item transfers.
Recently I filed a complaint with Wells Fargo and I am not happy with the response. Wells Fargo has provided previous bank statements showing another authorized user on my accounts but has not provided any signature cards or any written documentation that proves that " I '' added another person to my account ( s ). The instance of me removing the other user on XXXX XXXX is also questionable as I previously explained this person is a police officer and very manipulative. I attached documents pertaining to a restraining order that I had on this individual for intercepting other accounts. The years in question XXXX are also involved in other legal matters that have been tampered with in another matter. I 've also received notifications from Wells Fargo concerning class actions against the bank for opening accounts without user consent. Again I have a letter from the branch manager saying there is no written documentation of me adding anyone to my account ending XXXX. I have obtained legal representation for this matter as I will continue to pursue intensely.
Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.
I had a personal loan account attached to a credit card with Wells Fargo. I received a letter XXXX XXXX, 2016 stating charging privileges on my account and reference to reasons why. The account has been open and has not been past due. The account has been open maybe just over a year. After, the letter my credit score dropped and I could not understand why. I did not give Wells Fargo permission to run may credit after the account was open. The account now says, your account has been closed but you can still make payments
transunion has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX. These are closed accounts but has otherwise been paid in full.
XX/XX/XXXX Credit collections Bureau XXXX. XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : I am in receipt of your letter dated XX/XX/XXXX Please be advised, I am a Member of A  Protected Class, because of my physical XXXX and the XXXX XXXX brought on by my on-going XXXX XXXX treatments. Therefore, my preferred method of communication now is via fax because it gives me time to look over documents with right understanding and get the necessary documents together as covered in sections III-4.2000 Reasonable modifications, and III-4.2100 General. A public accommodation must reasonably modify its policies, practices, or procedures to avoid discrimination As per your letter Section E : I am forwarding my financial sheet and letter of debt from the I.R.S., and am in the process of pursing remediation against XXXX XXXX XXXX XXXX ( XXXX ) in Federal court, which has jurisdiction over this matter. Please see attached letter dated XX/XX/XXXX to XXXX. 

The letters dated XX/XX/XXXX to the U.S. Department of Justice, U.S. Attorney Generals office and XX/XX/XXXXto The White House were turned over to the U.S. Department of Health and Human Services,  because XXXX XXXX XXXX XXXX wrote off all of my medical expenses billed within their company in XX/XX/XXXX. 

However, I am willing to pay {$25.00} a month now, and apply the {$79.00} being applied to past medical bills XXXX which Im still not sure I should have paid due to the circumstances these bills are accruing XXXX as of this letter, set to expire in XX/XX/XXXX for a total of {$100.00} beginning in XX/XX/XXXX. 

NOTE : Because all of my medical bills are a result of medical malpractice beginning in XX/XX/XXXX and on-going and I am seeking remediation from XXXX  which falls under the jurisdiction of Federal laws at this time I am pondering contacting the Consumer Financial Protection Bureau ( CFPB ) for assistance ( if necessary ) that they may help negotiate this reasonable monthly payment which is all I can afford.
My Mortgage company, OCWEN sent me a letter via XXXX mail on XX/XX/2016 ( Dated XX/XX/XXXX ) stating that my mortgage payment was returned for non-sufficient funds by my bank, XXXX. My account shows that no attempt was made by my mortgage company to get the payment that I had made electronically on the XX/XX/XXXX. I also spoke to a representative at my bank who confirmed that no attempt had been made to cash my payment. I have been paying my mortgage electronically for several months and keep a confirmation notice. There is a default feature at the OCWEN website, which allows me to pay from the same account -- which I did. 
In the letter from my mortgage company, I was instructed to make an immediate payment or I would suffer penalties in additional fees. So, in order to avoid those fees, I sent a rush payment via XXXX. But it still ended up costing me an additional {$45.00} above my regular mortgage payment. I feel that OCWEN was either careless or dishonest in this instance. I wanted a record of this complaint so that they will correct this situation, instead of allowing them to blame me for their incompetence.
I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX XXXX my current address XXXX XXXX, Ct XXXX
In or around XXXX 2014 I was notified that my personal information may have been used to open fraudulent accounts. Pursuant to law I made a law enforcement report and upon their findings of fraud I forwarded the bureaus copies of the law enforcement reports and supplamentals which were provided to me. On many separate occasions and attempts I was informed by Equifax that they would not recognize my law enforcement reports and they outlined that they looked into my claim and that the original creditor indicated the accounts were valid despite law enforcement 's reports outlining different findings. Over the last XXXX months I also obtained letters from the original sources XXXX Bank and XXXX XXXX that the accounts had been identified as fraud. At this time despite all these supporting documents Equifax still refuses to comply.
I made a purchase that I believed to be on my debit card with XXXX on XX/XX/2017 that was charged to my XXXX XXXX credit card instead. 

XXXX had switched cards between companys so no records of any debt were on my online account and no bills were sent to me. XXXX if there was any issue had the ability fo notify of any debits, but, likely due to inefficiencies did not until 3 months later where I was notified of a statement. Seems odd that they would not notify me earlier if there were any debts. 

This statment initially showed a dead, no balance account, as was shown when I checked in with XXXX in early XXXX. 

Despite this XXXX 's attacked my credit rating, has refused to correct the misreporting, and had penalized me in fees ( which I paid to stop the credit damage from them ).
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$98.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss.
I am contacting your agency because I need your help in disputing some charges done on my PayPal Credit by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a {$3400.00} charge done on my card by iePlexus charged on XX/XX/2016. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
I made a payment online on XXXX/XXXX/XXXX. However, I was erroneously charged a {$27.00} late fee on XXXX/XXXX/XXXX by Comenity Bank, XXXX XXXX XXXX.
Chase Bank has charge me late fees in the amount of {$25.00} for XXXX XXXX, XXXX and XXXX XXXX, XXXX although the due date is on a Saturday and Sunday which is not their legal dates of customer bank operations. I have called and I am being lectured by the Customer Service supervisor XXXX of how many days that I have in the month to pay my bill. I consider this very rude and inconsiderate.
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from experian When I got my score in XX/XX/XXXX it was XXXX in XX/XX/XXXX it is XXXX-XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Experian and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX
In XX/XX/2010 I was the victim of identity theft. 

The person or people had my name, date of birth, social security number, address, a credit card number, and a fake driver 's license. 

They attempted to get {$15000.00} from a bank in another state that issued the stolen credit card number but the bank did not give them the money. They then opened several consumer credit cards and bought things before I was able to stop them by placing a 7 year fraud alert. I got a police report in the city where I live to officially report the identity theft. 

Today I called Experian planning to extend the fraud alert another 7 years. 

Experian has a policy that they will not place a 7 year fraud alert unless there is a police report. I told them there is a police report. I was told there must be a new police report to issue a new 7 year fraud alert. They offered me a 90 day fraud alert. 

My argument is this : The data stolen from me ( name, DOB, SSN, address ) that allowed the thief or thieves to open credit cards at retail outlets has not changed and is still in the possession of the thieves. The risk of fraud is as real now as it was in XX/XX/2010 and no further fraud/new police report is necessary to prove that. 

Any consumer should have the right to restrict the use of their data for the purposes of opening a line of credit or credit card. A consumer with a history of documented identity theft all the more so. Requiring the consumer to renew a fraud alert every 90 days is akin to my child 's pediatrician offering vaccines that expire, and require a new shot, every 90 days. 

It does n't make sense, there is presumably a rationale on the part of Experian that relates to their business model and generating revenue from consumer customers, and in my opinion that is unfair and ought not be allowed.
I and my husband each opened a 6-9 month CD on XXXX XXXX, 2017at an HSBC branch bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX as part of a promotion. We also opened a checking account and applied for charge cards. Everything went as it was expected to. We presented the teller with our check and received the appropriate paper work for each of the XXXX CD 's, the checking account was opened and the information for the charge cards processed. The checks were cashed. A couple of days later, we were told the bank was closing our accounts and would be mailing back checks in the amounts we deposited. The bank teller ( XXXX XXXX ) read an email which made no sense and would not elaborate on it. Her manager ( XXXX XXXX ) gave no further information but said that the bank had a right to close an account and they did not have to give a reason. My husband called the customer service number, spoke with someone named XXXX who refused to give him any information including any identifying information such as a tag number to further identify her. As we both were DEPOSITING money, have good credit to the best of our knowledge and have never had a problem depositing money or opening accounts, I believe I should be given an explanation. If it is fraud or some other reason, I would like to know it so it will not occur again.
In XXXX I put a fraud alert on my account in XXXX I requested by mail to have it removed .when I looked at my report it was still on there and it says it was updated again I sent the info again to get it removed equal just sent me a letter stating they updated it again did not take it off and with out my permission sent it to the XXXX other credit reporting agencies to up date their 's .I told them I wanted it removed not updated. I called equiafax they finally removed it but now since they passed it to the other agencies .transunion and experian say they ca n't remove it .I want it removed from all of my accounts thanku
As a Wells Fargo Customer I deposited check on XX/XX/XXXXand a check on XX/XX/XXXX. The deposits where very similar to usual and customary. Wells Fargo gave me a deposit receipt showing funds available on XX/XX/XXXX andXX/XX/XXXX. Wells Fargo received funds from the depositary institute onXX/XX/XXXX, and XX/XX/XXXX WELLS FARGO HELD MY MONEY FOR 10 DAYS AND CHARGED ME {$170.00} OF OVERDRAFT FEES.

Wells Fargo placed a 8 day hold on one the check deposited XX/XX/XXXX, Wells Fargo put a 10 day hold on the check deposited XX/XX/XXXX. I called the XXXX on XXXX, and spoke to a representative that said they would follow up with the Branch that accepted the deposit. No Follow up! I called the XXXX number as a follow up on XX/XX/XXXX. After receiving incorrect information from XXXX. XXXX gave me incorrect information about Wells Fargo policy. She ten transferred me to XXXX XXXX her supervisor. XXXX then bridged a call with branch assistant manager XXXX XXXX After 2 calls with XXXX she hung up on me.

I had to call back to speak to XXXX, the branch manager. XXXX promised to call the back office holding the deposits. She did not follow up and did not call back.

Each Wells Fargo representative communicated that Wells Fargo did not have the money from the depositary institute.

MY DEPOSITARY INSTITUTION PAID THE CHECKS ON XX/XX/XXXX AND XX/XX/XXXX.
I was a previous customer of XXXX XXXX ( XXXX ), an electric utility company that provides reporting to the credit bureaus, when I lived in XXXX ( XX/XX/XXXX-XX/XX/XXXX). In early XX/XX/XXXX, I was reassigned for work to XXXX XXXX. Upon moving from XXXX, I requested that XXXX disconnect my service. XXXX terminated my service as requested ; however, I did not receive the final bill from XXXX. I was only notified of an outstanding balance on my XXXX account in XX/XX/XXXX when I was called by a collection company. I suspected the collection call was a scam so I hung up and immediately called XXXX. I was advised by the XXXX representative that I did in fact have an outstanding balance, but that I would be all set if I resolved the matter with immediate payment to XXXX. In light of the XXXX representatives assurances, I paid the outstanding balance at that time and settled my closed account with XXXX. Despite the XXXX reps assurance, I recently discovered that XXXX  reported to TransUnion and XXXX that I was delinquent and referred for collection in XX/XX/XXXX( however, I paid and closed the account in XX/XX/XXXX)! On XX/XX/XXXX, I attempted to dispute the inaccurate reporting through TransUnion ( and separately through XXXX ), but after investigating TransUnion informed me on XX/XX/XXXX that the reporting was verified by XXXX as accurate and updated. Nevertheless, my TransUnion Credit report still reflects collection in XX/XX/XXXXmore than three years after it went to collection and was paid in full ( and despite the fact that the XXXX representative indicated there would be no collection issue ). I immediately called TransUnion to follow up and they told me that I would have to submit a dispute ( again ) to get the date corrected, even though I had just attempted to dispute it! I also notified a XXXX representative of the incorrect reporting via the Better Business Bureau ; however, XXXX has not notified me of any intent to take corrective action. The XXXX reporting to TransUnion therefore remains inaccurate. The collection ( which never should have been reported for collection in the first place ) occurred in XX/XX/XXXXand despite my best efforts to dispute it, is still reflected in the TransUnion report as occurring in XX/XX/XXXX. Please help me get this removed from my account. A screenshot from my TransUnion Credit Report is attached as evidence that XXXX continues to incorrectly report to TransUnion that my account was referred for collection in XX/XX/XXXX.
Barclaycard would not take a loan check from my credit union to pay off my credit card ; thus, saving me interest and letting me close the account with a {$0.00} balance. Barclaycard said my account was not open long enough to take a payment that way.
Cities bank located at XXXX XXXX XXXX stole funds from my checking account.By sending payments to a company that was paid off in XX/XX/2014.of said year.It made my account seem overdrawn which it was n't.