WillisBack/dataset-financial-user-claim huggingface dataset:
Citi wrote a letter dated XX/XX/XXXX. In the letter Citi stated " We ask that you contact us at XXXX to have your account reviewed. Our representative will assist in determining if there are available programs that suit your needs. '' I have contacted Citi on XX/XX/XXXX and after waiting on hold for about five minutes while the agent supposedly searched for what programs where available the agent came back and told me there were no programs available for me at this time and that I can call back after the end of the billing cycle which is around XX/XX/XXXX and have the account reviewed again. I called again on XX/XX/XXXX and was immediately to that there were no programs available to me at this time. I have contacted Citi twice now to resolve this however Citi is unwilling to negotiate any type of settlement or honor any one of my request such as removing this account from my credit report with the credit bureaus and still expects me continue making payments and charging me 26.99 % interest on an account that I can no longer use. 
In regards to the credit reporting and removing this account from my credit report with the credit bureaus Citi claims " Please be advised that under applicable laws, creditors are obligated to retain identifying and credit information in connection with a credit card account for a certain period of time. Therefore, although your account is closed to additional purchases, we are unable to delete your account records as you have requested. '' Credit reporting is not mandatory. Citi 's own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' Citi should be more specific and site specific laws it is referring to. Citi is not mandated, required, or obligated by law or its own customer agreement to report the account to a credit bureau so asking Citi to delete or remove the account that Citi closed on it own and without my permission or request and that I can no longer use is not an unreasonable request.
On XXXX XXXX I notified Early Warning they have incorrect information regarding myself w XXXX XXXX -- - Matter was adjudicated with XXXX back in XXXX -- - It is now XXXX. And they report incorrect information.
I am attaching a chat transcript of my efforts to resolve the situation. 
I signed up for XXXX XXXX American Express card in XX/XX/XXXX. The promotion offered XXXX point with the possibility of earning another XXXX points if I used the card to make qualifying purchases in a certain period of time. On XX/XX/XXXX I first inquired as to why I had not yet earned the points. I was told to check back later. In the chat session I was told that I had indeed qualified for the points. Weeks passed, still no points. I inquired again only to be told that a formal investigation had not been opened. Weeks passed again, still no points. I contacted them again on XX/XX/XXXX and got the same promise and to check back in exactly 7 days. 

This seems like a bait and switch to me. I have no balance on the card. I have paid it off every month after making purchases. I think I have waited long enough for it to be resolved.
I called to raise my credit limit, without authorizing or being told. I would have NEVER allowed a credit check, as I am trying to purchase a home and need to have a clean check history.
CITI Credit card offered me a promotional credit card to transfer balances. I applied and was issued the card. CITI has continued to charge me for returned check fees and other fees when they had the incorrect information on file. I called them at least 6 times, and the last person I spoke to was a horrible person, rude and not the least bit interested in resolving this issue. I have tried to contact them and as I explained, they don't care, and they don't have customer service reps that care. All I want to do is cancel the card, pay the balance minus any promotional fees they charged me for the transfers and returned check fees which there were not any. 

I don ; 't want this to affect my crfedit score, which has been excellent for many years, and I hope that CITY pays more attention to their customers. I have had other credit cards for manby years and have never dealt with a company so bad as CITI
My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.
DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX no response from collection
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of ally bank in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted ally bank and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( Ally Bank ) Debt amount XXXX
I had a credit  card with Capitol one that  I p aid off every two we eks to build my credit. On  XXXX   XXXX   XXXX  I went into the hospital to   XXXX   XXXX   XXXX  . I  XXXX   XXXX  times. I was  XXXX   XXXX  time. I   XXXX   XXXX   XXXX   and needed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and my family was told I was n't going to make it. Then I was airlifted to another hospital where I spent over a month getting   XXXX   XXXX   XXXX   XXXX    XXXX . After they came back and I was released it took months after being in the hospital to get as close to with it as I can. In  XXXX  of  XXXX  I paid my credit card off in full. They told me they had closed my account and I was unable to use my credit card anymore. I felt so discriminated against because of my health issues. I tried to work with them but they turned me away. I am currently filing f or SSI and have documentation to prove all stated in my letter here to you. I would like my credit card updated. Closed from consumer, and all delinquencies removed. I appreciate your time in this very important matter and hope to get a response soon. Thank you Sincerely
I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. 
On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. 
After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. 
Both banks closed my manageable accounts so that I could no longer print or view what had happened. 
Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. 
XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. 
XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. 
I have not received any mail in regards to my debt either from either company. 
I do not have my special equipment to receive or make calls so what can I do? 

Thanks. 

XXXX
I was called by XXXX XXXX about an account saying I owe a XXXX final bill for {$210.00}. I asked for information about the account and all they could provide me with was an amount. This account is on my credit report and they have no information at all. I asked the company to remove it from my credit report repeatedly and the rep hung up on me. I called back to speak to a supervisor and they said it would take 24 to 48 hrs to review. I want this removed from credit report immediately.
I had received a bill on a credit card in the mail only after it was delinquent, rather than prior to its delinquent status. The delinquent bill had late fee charges and interest. This is the second time this particular company has engaged in this practice. Upon calling their service center, they removed the late fee charges ( but not interest, which is minor to me ). I would like to register this in case this is a widespread practice. The company is XXXX ( Amazon credit card ). I think the bank is Chase.
After review of my credit report from Experian on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. I contacted menards on XX/XX/XXXX and spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted Experian and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.
CITIBANK has not fulfill its promotion commitment for XXXX XXXX XXXX AAdvantage miles that I qualified for under promotion XXXX with my checking account ending in XXXX. As CITIBANK Client Service 's research letter confirmed, dated XXXX/XXXX/XXXX and numbered, XXXX ( copy attached ) when I claimed the miles that for the promotion. 

It has been more six months since that letter and, yet, my AAdvantage Account # XXXX has not been credited with the XXXX AAdvantage miles due to me. I addition to the numbered letter confirming my qualification for the award ; on XXXX XXXX, XXXX, a CITIBANK chat agent also confirmed that my award was in process ( a copy of that is attached, also ). 

Since that time, CITICANK claims they do not owe me the reward because I have since closed my account. That was not the case when I requested the awared and CITIBANK agreed in writing, that the award was due to me. CITIBANK has since closed all its Massachusetts offices, so having an account with them is impractical. I should not be punished with CITIBANK 's tardiness.
I am in receipt of Professional Account Management, LLC., letter informing me that they are handling the collection of an account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Professional Account Management LLC., and me which makes them entitled to enforce a commercial claim against me.
I have been receiving calls a few times a week from Mohela student loans. They have some how broke in to my phone contacts and show up as a contact of mine called XXXX XXXX. This is i ; ; egal to make constant calls to me and ileegally using a contact name on my phone. I want to know how they broke into my phone?? Today I did not answer and allowed them to leave a message. I am only if anything a month behind and that is because they sent me something saying if I filled it out they will let me go two months without paying. I tried to go to their site to get my loan adjusted to my salary and their site is n't working. 
This is harrassment and illegal tactics breaking into my phone contact names.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX.
Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX  I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX  will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
My mother and I were co-borrowers on a home loan that was opened XXXX XXXX through Litton Loan. The loan was later taken over by Ocwen Loan Servicing in XXXX XXXX. During the time that the loan was with Litton we had several issue of payments not being posted correctly or being put in a suspense account. The payments included principal, interest, and property taxes. My mother was contacted by a local business man in XXXX who essentially told her that he owned her house now and that she should start paying him or he would put her out. We found out that Litton had not been paying her property taxes and that he had purchased the home in a tax sale. He wrote a letter to Litton Loan explaining such and drew up a contract with my mother. Litton then sold the loan to Ocwen. My mother file CH XXXX bankruptcy and pursuit of the debt seem to stop. I found out that it was reporting on my credit file and disputed it based on the history and mishandling of the account all along. They started reporting the account as " association terminated '' in XXXX of XXXX and deleted all account history. As of XXXX XXXX I get an update that state that I am XXXX delinquent on the account owing over {$15000.00}. I just gained access to the website and have found that there is no up to date information, statements, nothing. How can I be 180 days late on an account that has no history. The credit reporting alone is a violation. The loan should have never been sold to anyone when the original servicer was mishandling payments and not paying property taxes resulting in a loss of ownership and equity. My mother is now making payments to a person she never borrowed money from.
I have a bk chapter XXXX showing on my credit report that should not be on there I never been discharged from the debt which I went into the court and filled out paperwork only never went to a hearing or follow through the paperwork and if you call youll see I never succeeded with the filing how can this happen
I went to check my credit score on XXXX XXXX ( as I do several times a month ), and I noticed a significant dip in my credit score from one of the reporting agencies ( nearly XXXX points ). After digging through my reported items, I noticed my score dropped because of a newly reported collection account from Midwest Recovery Systems. The account stated that I owed {$690.00} and that the account was opened XXXX XXXX 2016. The collection account was reported to the credit reporting agencies on XXXX XXXX, 2016. I never received a written statement saying a debt was owed, and I have n't received any phone calls from this collection agency. Also, I have no record of any debt owed to the company listed as the original creditor XXXX XXXX.
I have a complaint against Citibank, servicer of Best Buy Visa Credit Card, which was opened in 2016. Everything was fine but unfortunately, I had my hours cut and tried to work out an agreement with them, since their payment dues were excessively high, out of proportion and unfairly billed. After several attempts to work out things, my account was closed and placed under a payment program of {$50.00} a month until paid in full. Unfortunately, once again, my hours were cut again at my workplace and tried to negotiate to settle my credit card debt by either pay off half of it or cancel the whole amount owed, which repeatedly refused to do so and insisted in charge me the full amount, regardless of my current financial situation.

Since I followed the advice of working out with my creditors during financial challenges, unfortunately, Citibank has been reluctant to work to help me in this tough time. I do the best I can to meet ends, but what if I lose my job and I am not able to do so?
My load was sold to Specialized Load Servicing in co. Ever since the transfer, back in XX/XX/XXXX they have called every month about my loan. My loan is due the XX/XX/XXXX of every month, and late after the XX/XX/XXXX. I was on auto payment, and they did not call. I removed that service, and now they are calling everyday. They are complete XXXX. They seam to ignore the terms of my original XXXX XXXX Loan, which by law they have to follow.
My wife and I had a lease w/ Hyundai Motor company. After the lease was at term, we turned the vehicle into the dealership we purchased it from. Shortly after, the dealership contacted us and said that they had decided to purchase the vehicle for the amount left owing and we should not be due any further charges. We then received a bill XXXX XXXX for {$400.00} for disposal of the vehicle. I called and asked their Lease End dept. to ask what the charge was for and they said its just part of the contract and if I did n't pay it, they would charge it off and put it on my credit report. Im going to pay the bill but I think Hyundai is charging customers for something they are not incurring any costs for. How many other XXXX customers are being charged for the same thing? I would like for someone to look into this because i dont think its fair and I would like my money back without my credit being affected.
I have contacted XXXX and XXXX and experian to correct some errors with my reports. XXXX and XXXX corrected the errors and my score has increased due to the help. Experian did not correct the incorrect information and I disputed the inaccuracies 3 times. At this point the my score with XXXX and XXXX is between XXXX and XXXX. My score with Experian is still around XXXX and has not increased. I have been refused financing options from companies that are using Experian and this difference and refusal to help is unacceptable. Please help me.