WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is regarding Citibank 's AAdvantage Platinum Select credit card. In short, I believe that this card is marketing and servicing strategy behind this card is knowingly deceptive. Citi is offering a financial incentive to open an account with them in the form of an alternative currency ( the offer I was promised was XXXX AAdvantage miles ). This alternative currency expires in 18 months unless a purchase is made with a specific vendor ( XXXX XXXX ), or the card is used ( a condition that is hidden in the fine print ). 

For the vast majority of consumers, the latter method of keeping their miles alive is obviously the more realistic option. In effect, this creates a significant financial penalty for closing the card ( often in the magnitude of hundreds of actual dollars ). As the card itself is not very competitive when it comes to rewards, the primary reason that I ( and I believe many others ) keep this card open and pay the {$95.00} annual fee is because Citi and XXXX have structured the card to essentially exploit this penalty. Their primary method of doing so is by limiting the ways in which the alternative currency can be used ( for example, miles can be used to pay for upgrades from coach to business class, but not for upgrades from a regular coach seat to a coach seat with additional leg room ). In addition, miles can not be used to partially pay for a ticket. These limitations effectively make it impossible to redeem miles in smaller denominations, which makes it much harder to redeem them at all. As a result, people are more likely to have miles left on their account and therefore a financial incentive to keep paying Citi a {$95.00} annual fee. 

Even more alarmingly, these limitations are entirely absent from any marketing materials for the card. I believe that most individuals somewhat reasonably assume that this alternative currency, which is only redeemable at one vendor, is at the very least applicable for any purchases at that vendor. Neither Citi nor XXXX XXXX would incur any significant cost for removing these limitations. When I called XXXX XXXX, they mentioned that they launched the paid upgrades within coach class over 4 years ago, meaning that they have had ample time to address this issue. The only reason that I believe these limitations still exist is because they allow Citi to maintain a deceptive financial incentive over their Cardmembers.
A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.
I was told 2 different bits of information today in regards to 2 involuntary offsets in my accounts, 1 for {$150.00} in my checking and one for {$170.00} in my savings. Huntington says that there were 4 accounts in my name, and I have only ever had my 2 current accounts, and one other account. The customer service rep from financial services advised that they had charged these accounts off, and a lawyer in my family advised that it is illegal to offset an account once it has been charged off. When I called back the 2nd time, I was told the account had been charged off to huntington themselves, and that they had bought it back from themselves. ( yes I know that is strange!! ). I have payments that I have already set up coming out of the account and the need to put the money back. NO ONE ever contacted me from Huntington in regards to any account other than the one that I have already paid off. I am not certain this is not some sort of identity theft, and we would have no way to see, since they failed to even attempt to make sure I had open these accounts they are speaking off. 2 customer service reps did not assist me in any way, and I have been waiting on a supervisor to call me back before the end of the day, and that hasn't happened either. I would like them to PROVE they attempted to contact me in regards to this, they obviously have my phone and address and have sent ZERO notification that this would be taking place. If someone opened an account in my name, would I have any other way of being notified? Especially if there was other contact info used to set the account up. Huntington Bank needs to be held accountable for not banking inside the standards set up by the government.
I have disputed a debt that was sold to XXXX XXXX XXXX. I have requested validation of this debt by way of documents containing my signature, as this account does not belong to me. XXXX XXXX XXXX sent bills and advised that this account was sold to them by Sterling Jewelers, with whom I have never had an account. Sterling Jewelers has neglected to send proof of this account 's validity with verifiable documents that bear my signature as proof that I established this account.
I have asked LJ Ross Associates to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
At the beginning of obtaining this reverse mortgage my understanding was I was to pay the taxes of the property which I agreed to do. At the time, my property taxes were already behind and the default amount was not cleared or paid up current by the reverse mortgage company. What happen my default amount became an issue, because a clause of the reverse mortgage agreement states property taxes must be kept current which I was not advised nor aware of before I sign the contract, otherwise I would not have sign it. 
Thus, the reverse mortgage company contacted the tax office and paid up the default amount fully on the property and provided me with a monthly repayment plan to repay them as well as the ongoing current amount, leaving me with XXXX tax payments obligations to handle, which became overwhelming to handle, considering the others house up keep that also must be kept up as well. I carried it for as long as I could until it became impossible to keep it up. 
So this is were we are now. The reverse mortgage company has file to foreclosure on the property
I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time.
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY XXXX XXXX XXXX XXXXUSD XXXXI DO NOT OWE ANY MONEY TO XXXX. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
On XXXX XXXX, XXXX, I deposited my payroll check ( a there-to-fore common practice ) in my Wells Fargo checking account and received a deposit receipt ( copy attached ) which stated that the deposit would be credited on XXXX XXXX. On XXXX XXXX, I received a letter from Wells Fargo ( copy attached ) which said that the funds had been placed on hold and would be credited on XXXX XXXX, XXXX. Luckily I had not drawn on those funds. I called Wells Fargo customer service and was told that the letter had been sent in error and my account reflected the credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I deposited my payroll check ( copy of deposit receipt attached ) and was told specifically that there would be no hold placed on the check and my deposit would credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I accessed my online banking portal and discovered that a hold had been placed on the funds and that the deposit would not be credited until XXXX XXXX, XXXX. I again contacted customer service and was told that the hold was a result of " risk '' with no further explanation. I went to my branch office and requested an explanation. They contacted " loss prevention '' and all they could tell me was that a " general '' hold had been placed on the deposit. I asked for a written explanation of the hold and its ' reasoning. I was told that Wells Fargo does not provide written explanations. I asked specifically if they were denying my request for a written explanation and they responded " yes ''. I should note that the account on which the check ( s ) were drawn was also a Wells Fargo account and that that account was at the same branch as my account. I believe that both of these holds are in violation of Regulation " C '' for duration, failure to inform at time of deposit, and failure to provide explanation and reasoning for the hold ( s ). I believe that Regulation " C '' has specific sanctions defined when a violation ( s ) occurs. An appropriate sanction, in my opinion, is that the institution be required to match the funds which are held in violation of the regulation. It seems that Wells Fargo is attempting to replace income from opening illegal accounts to causing overdraft fees by, without informing the customer, in fact misleading the customer, as to when funds will be credited. I should also note that following the XXXX XXXX deposit and XXXX XXXX letter all evidence of the hold action had been removed from my account history and my monthly statement and online account information reflect the deposit credit on XXXX XXXX, XXXX as if no hold had been placed in the first place. I assume Wells Fargo will " cover their tracks '' on this new hold as well.
I have been contacted by XXXX LLC via letter. They are requesting payment for a 2007 XXXX XXXX credit card. The debt was sold from XXXX Bank to " XXXX XXXX XXXX ''. his debt has since passed the statue of limitations.
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX  through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Freedom Mortgage carries the FHA loan for my townhouse. I sold the property and will be closing on XX/XX/XXXX. The law firm XXXXXXXX XXXX XXXXXXXX, XXXX, contacted Freedom Mortgage on XX/XX/XXXX, requesting pay-off for XX/XX/XXXX, and received a pay-off amount of {$69000.00} from Freedom Mortgage with a closing date of XX/XX/XXXX. This is {$1000.00} more than expected that I have to bring to the table at closing. I called Freedom Mortgage on XX/XX/XXXX for the pay-off but they wanted to charge me {$30.00}. I also called twice on XX/XX/XXXX for explanation as to why the amount was so high and Freedom Mortgage gave me the run-around with no concrete reason. I was told that there was an FHA charge of {$250.00} and taxes included in the pay-off. I phone twice on XX/XX/XXXX, and was told that the attorney 's office put in the request for XX/XX/XXXX. The attorney 's office denied that they submitted that request. Finally, Freedom Mortgage told me that they made a mistake and it should be for XX/XX/XXXX because it 's a FHA loan. They promised to correct it and placed an accelerated request for the correct payoff. I informed them that the attorney 's office would be contacting them as well.
I contacted my Mortgage company in XX/XX/2017, and informed them that some of my mortgage payments was being posted to the wrong accounts. I check my payments each month by using my bank account. My Mortgage company was rude and informed me that I was not making my payments. I was also told that I would have to provide them with my bank statements to determine if I was correct. I did not provide them with my Bank statements I cleaned up the statements and faxed them to the mortgage company. Three months passed and my mortgage company did not contact me. Two weeks ago I discover they have me in foreclosure. When my account is only dew for XX/XX/XXXX payment.
I am writing now in hopes to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant part in this process. I am inquiring about the account number referenced in this complaint.

I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX and XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
XXXX XXXX XXXX , XXXX. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. XXXX XXXX XXXX , XXXX. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( RISE ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
I was seeking to re-finance my mortgage to a lower rate. I checked XXXX, and discovered the lowest bid for my situation with a 30 year fixed rate mortgage was with Reliance First Capital , LLC. The indication rate was an APR of 3.315 %, a nominal rate of 3.25 %, and fees of {$3100.00}. We contacted XXXX XXXX at the XXXX, TX office of this firm. He established that both I and my wife have credit ratings of over XXXX. He asked what I would like our new payment to be. I simply said the lowest possible. He finally quoted a rate of 3.875 % with an APR over 4 % and fees of over {$5000.00}. He was very reluctant to provide the APR, and told us there were no fees. We had to badger him about what the new balance of the mortgage would be to finally understand most of the fees were in a higher mortgage balance. This sort of bait-and-switch behavior makes it very difficult to shop for mortgages.
I studied at XXXX, FL XXXX XXXX for XXXX XXXX XXXX Degree. My private loans through XXXX trying to force me to make a XXXX time payment of {$78000.00} and they would wipe out the interest of {$35000.00}. or the other option was to make a XXXX time payment of {$62000.00} or XXXX months payments of {$10000.00}. I asked the women that was on the phone time after time that there has to be other payment plans that are lower and would work for me but she stated that those XXXX options were all that they have to offer. 

My Grandmother also took out a private loan to help me finish my schooling and XXXX XXXX they had her got a loan through XXXX totaling at the moment {$18000.00} and is trying to force my grandmother whom lives in a home to pay the total in XXXX lump sum, instead of working with me so that I can pay it off for her in small amounts.
In the year XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.
I was revoked my XXXX credit cards by CHase and there are still many fraud charges not credites back. I request CHase to give me and re activate my credits or let apply to new ones without this negative history being considered in the process of opening a new card and applying for it. I also request Chase to refund me the XXXX dollars they still owe me.
Recent call : NO message left XX/XX/XXXX, XXXX Wakefield Associates I have asked for written notification of debt and asked to ONLY be contacted in writing.
We moved on XX/XX/2015. Connecticut XXXX XXXX ( XXXX ) erroneously applied payments for the gas account of our new home to the gas account of our former home. In XX/XX/XXXX we received a bill that our account was past due despite our making payments in full. When I called XXXX to find out what was going on, they realized they applied our payments to our old house 's account, not to the new house 's account. XXXX reversed the late charges and applied the payments to our new home 's account, and we actually ended up with a credit on our new account. The XX/XX/2015 statement I shared with Experian shows payments in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a reversal of the late charges, and even a balance on our account as we overpaid the bill. Experian refuses to remove the 60 day late flag from my account, despite the fact that my payment was never late. XXXX received my payment on time, they just applied it to the wrong account. Attached is the XXXX statement showing a balance of {$17.00}, due XX/XX/2015. ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$120.00} balance, due XX/XX/2015 ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$160.00} balance ( Paid with credits from our old account ). When I called XXXX on XX/XX/2015, they realized they had applied our payments to the old account. The XX/XX/XXXX statement reflects payments of {$76.00} on XX/XX/2015, {$120.00} on XX/XX/2015 and {$34.00} on XX/XX/2015. Based on the payments applied to the wrong account, it is clear we made our payments on time, and the error lies with XXXX. Experian refuses to remove the 60 day late flag from my account, despite the evidence showing we were never late.
My wife and I recently sent the attached follow-up letter to Equifax. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
I found out there was a medical collection ( account XXXX for {$260.00} from XX/XX/2012 ) from PMAB , LLC on my XXXX  credit report that I do not recognize. I tried calling PMAB multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from PMAB. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX