WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking account with citibank on XXXX XXXX stating that if I deposit $ XXXX I will receive a {$300.00} bonus. It is now XXXX XXXX and I still have n't received it. I have submitted inquiries twice and called to get this cleared up and both times they have denied me and said they either do not have the bonus code on file or that I did n't meet the terms of the bonus. Their explanations have been inconsistent. I have been given XXXX completely different reasons for my denial an each referenced a different bonus program which tells me that they are not being consistent and they are being fraudulent. 

I am writing you because I have been made aware that Citibank has a history of doing this to customers and they need to be held accountable. I have no reason to just park $ XXXX in an account for them for 4 months. It seems to me that they do this with the hopes of having a free $ XXXX to use as essential an interest free loan for them since they did n't hold up their end of the bargain and apply the {$300.00} bonus. It irks me to no end that I have been given the run around by them for over a month now and I will be canceling my account with them and ensuring others do the same.
I have just successfully completed Chapter XXXX to save my home. The case was discharged XXXX 2016 with all payments made and a signed workout agreement in place with the mortgage company. I even received a refund from the Trustee. I made a payment in full of the amount due for the monthly payment on XXXX XXXX, 2016. On a statement dated XXXX XXXX, 2016, Wells Fargo stated " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds, call us for a reinstatement or payoff quote .... '' This statement shows a payment for the full monthly amount due was received on XXXX XXXX, 2016. The Trustee paid the XXXX payment. The XXXX XXXX payment I made was for XXXX. 

I called Wells Fargo at XXXX the number listed on the statement. I spoke with XXXX in XXXX XXXX. She said she could not access the loan and would transfer me. I then spoke with XXXX in XXXX. He said that he did not see any foreclosure notice on my account and that my payments appeared to be current. 

I asked him to provide that information to me in writing. He declined. He said he had to get his supervisor to do that. I then spoke with his supervisor, XXXX XXXX who told me he could not provide any written documentation to me and that he would transfer me again. He assured me that the person he was transferring me to COULD provide the written documentation I requested. 

I then spoke with a rude, argumentative person XXXX XXXX who refused to tell me what city she was in because " it is n't relevant '' and who then proceeded to badger me for calling and having the audacity to ask for " written documentation. '' As I explained for the FOURTH time, I had documentation ( via the Federal Court ) that I had paid up to date and all I wanted was a written statement that my account was up to date and perhaps a note that the " Your loan has been referred to foreclosure ... '' was a mistake. She then sniped that she would have to investigate and would open a case ; that she would absolutely not send me anything in writing and completely refused to tell me when I might ( no guarantee that it would ever happen ) receive the simple, one sentence letter that I requested confirming that " As of today, XXXX XXXX, 2016, we show your account is current and we do not show your account being referred for foreclosure. '' That 's all I wanted. 

And after XXXX people and 45 minutes on the phone, all I got was a rude person who is " going to open a case. ''
This is in regards to an unauthorized transaction that occured on my Capital One Quicksilver card on XX/XX/2016 for {$440.00} under the merchant XXXX XXXX College. This charge was unauthorized and I absolutely do not know who made this charge. I informed Capital One the SAME DAY that this was an unauthorized charge on my account and a credit was placed. However, a few months later, I was rebilled for this amount again. I contacted Capital One 's Disputes department to inform them that this transaction for {$440.00} is 100 % unauthorized and under Capital One 's {$0.00} fraud liability, I was not liable to pay for this transaction. The representative refused to cooperate with me to remove this charge. I am now demanding that this charge of {$440.00} be removed from my account ASAP. I will most definitely not pay for a transaction that I did NOT approve of. Capital One 's {$0.00} fraud liability also guarantees that I am not liable for any fraudulent transactions. This {$440.00} is a fraudulent transaction and must be removed ASAP.
On XXXX XXXX, 2016, we received notice regarding your complaint filed against Exeter Finance Corp. ( " Exeter '' ) through the Consumer Financial Protection Bureau ( " CFPB '' ). Exeter is committed to providing best in class customer service, Today is XXXX XXXX 2016 still not updated or correct for 13 Months now I am Demanding the Exeter Finance remove this from all XXXX Credit Bureaus. Before Legal Action is Taken against Exeter Finance and all XXXX Credit Bureaus
I had an account in collections with Optimum Outcomes. I paid the account and they continue to report the unpaid balance on my credit report. This has caused a negative impact on my credit score and report.
There was a bonus when I signed up - XXXX bonus when you make $ XXXX in purchases in the first 6 months. I met that spending requirement but I never received my XXXX Virgin Atlantic miles. I've contacted Bank of America already but they continue to deny me.
On XX/XX/XXXX I called Navient to discuss why the previous month they took {$690.00} from my account last month and schedule a payment for this amount for the upcoming month when I am supposed to be on the rate reduction program. I have been on the reduction rate program for a couple of years now. In XX/XX/XXXX I was sent paperwork to reapply which I filled out and sent back to Navient on XX/XX/XXXX. From XX/XX/XXXX until  now no one called to follow up on the paperwork like they normally do which triggered my phone call for today. 
Upon calling Navient I was transferred to five different departments and when I finally go to the correct department, a gentlemen got on the phone and told me that I was not eligible for the reduction program. He also told me that I was entitled to a refund since the full payment was taken from me last month " company protocol '' and wasn't sure why no one took care of it for me. Therefore when I asked " why I did not qualify for the program anymore '' he was unable to tell me so I asked to speak to a supervisor. Once she got on the phone she told me that I did not qualify for the program and when questioned " why '' she stated that the back office picks and chooses who qualifies and she did not know why or how I was chosen. And according to cooperate they are not offering rate reduction programs for people anymore. She had not options to offer me. And ended with that if I don't pay they will come after me legally. Then the phone call was over.
I 've never filed for Chapter XXXX Bankruptcy ; and this debt is not even mine ; This needs to be immediately removed from my credit report.
I do not have a contract with Diversified Consultants. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. They are reporting on all XXXX of my credit reports and they need to be removed.
Is Experian beyond adhering to the Fair Credit Reporting Act. I have contacted Experian over a 3 day time span and have tried to get them to place hard inquiries that are reporting on my credit report under dispute however this was met with great difficulty and an inability to have this done by several of their agents. These hard inquiries that they are reporting are not factual and I received the answer from each one of the representatives and supervisors I spoke with, XXXX on XX/XX/XXXX, XXXX who was a supervisor in the Disputes Department ( XXXX XXXX ) on XX/XX/XXXX, XXXX who was a supervisor in the Special Services Department ( XXXX XXXX ) who called me back on XX/XX/XXXX after I had reminded XXXX that a supervisor was to call me back from my previous call with XXXX, and lastly on XX/XX/XXXX XXXX in the Texas Office, all stated this information is factual and they must by law report who accessed the credit report and if I had any disputes I must reach out to the creditor.
They are directly violating the FCRA as it reads according to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if they do n't investigate and respond, the CRA must delete the dispute information from its files. The very fact, that 4 representatives refused to place the inquiries under dispute, constitutes hat there was NOT an investigation performed. I am submitting this complaint as there was no investigation done on my request for the hard inquiries that do n't belong to me. This is blantant violation of the FCRA and Experian knows better than what they are doing. Not only is this a violation of the FCRA but also a violation of my consumer rights. Just in case they need a refresher, these are the accounts that were requested. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX I would like them to comply with all applicable Acts.
This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.
On XX/XX/XXXX, I made a second mortgage loan with XXXX XXXX XXXX. On XX/XX/XXXX, my loan was sold to XXXX XXXX  XXXX XXXX, and on XX/XX/XXXX, the loan became serviced by Shellpoint Mortgage Services. I was never notified that my loan was being sold to XXXX XXXX and serviced by Shellpoint. Shellpoint has a history of not sending statements timely, which led to my loan becoming late over several months. I spoke with Shellpoint numerous times to rectify the problem but no resolution was reached. Per Shellpoint, they use a third party to prepare and mail mortgage statements. I have done whatever I can to work with Shellpoint to keep my account current. I recently received a Notice of Default and Intent to Accelerate dated XX/XX/XXXX, and postmarked XX/XX/XXXX, stating an amount of {$300.00} was due within 45 days. I also received a monthly billing statement dated XX/XX/XXXX, postmarked on XX/XX/XXXX, stating total payments due was {$470.00}. Another statement dated XX/XX/XXXX, postmarked XX/XX/XXXX, stated {$480.00} was due. In the meantime, I had sent {$100.00} on XX/XX/XXXX and {$280.00} on XX/XX/XXXX. Neither of these payments were processed timely by Shellpoint. The {$100.00} payment was posted to my checking account on XX/XX/XXXX, and the {$280.00} was posted on XX/XX/XXXX. So apparently, payments are sitting at Shellpoint for a long period of time before being processed. From a phone call with Shellpoint on XX/XX/XXXX, I found that the remaining balance of {$100.00} would be coming due on XX/XX/XXXX. I have not received a statement for that amount. I asked to speak to a manager regarding these issues, and I made the {$100.00} payment over the phone, which now brings my account current. My problem is that I received a Notice of Default letter when it clearly looks to me like the problem is with Shellpoint not providing timely statements. To me, this looks like an unfair and deceptive collection practice. Also, Shellpoint is making harassing phone calls to me six times a day, after I have already asked them not to call me because my line of work ( truck driver ) does not allow me to answer the phone without the possibility of losing my job. I have also been charged a late fee of {$7.00} that I feel is unfair since the statement was postmarked AFTER the due date of the invoice. The account manager I spoke with today ( XX/XX/XXXX ) is aware that their account statements are not being sent timely, and told me they are " looking into getting statements sent more timely ''. This conversation with Shellpoint was recorded with recording number XXXX. As of now, my account it paid ahead of schedule, and I want to keep it current, but can only do so if statements are sent timely, allowing to make a payment within a reasonable amount of time before it is due.
My complaint is with Chase Cardmember Services and their Executive Office. 

Looking back, I made several transactions with my XXXX Chase credit card last XX/XX/XXXX to get cash to give to a foreign company called XXXX XXXX XXXX to make binary options trades for me. Since I did not have any cash on hand for these trades, I obtained cash from four of my credit card companies for XXXX XXXX XXXX to use to make the trades for me. The four credit card companies were Chase cardmember services, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debit card visa. 

When I realized that I was part of an elaborate scam ( I only realized this in XX/XX/XXXX ), I began contacting the card companies to let them know that I was part of a scam, and to tried to get them to give me my money back. Two of the banks ( XXXX XXXX XXXX and XXXX XXXX ) agreed with me, and credited my accounts for all of the transactions I made through them. 

However, Chase Cardmember Services and XXXX XXXX XXXX XXXX listened to my dispute, but WOULD NOT give me my money back ( see attachments from Chase ). 

They said that since the transactions ( {$33000.00} cash credit card transactions ) had occurred more than six months prior to my dispute, they would not credit my account. 

XXXX XXXX XXXX XXXX has also rejected my dispute and they have failed to give me my money back. I made a {$1700.00} debit card transaction with XXXX XXXX XXXX XXXX and a {$50000.00} wire transaction through their bank ( when I cashed-in a {$50000.00} annuity from XXXX and deposited the money in XXXX XXXX XXXX XXXX ). 

I have filed four separate disputes with Chase and each one has been rejected. The dispute with XXXX XXXX XXXX XXXX is still pending, but they have indicated that they will reject it also.
I had a Walmart store credit card until several months ago, Synchrony Bank upgraded my account to a Walmart MasterCard and transferred over my balance. Out of habit, I paid my bill through my bank 's bill pay and paid to my old account. When I realized what I had done, I requested a refund and submitted payment to the correct account. I received my refund check and deposited it. Shortly after, I checked my Walmart account online and saw they had taken the payment from the old account, sent it to the new, and I now have incurred a balance on my closed account. I try repeatedly to pay it off but it still goes to my new account, leaving me with this balance and interest charges each month. I have phoned them, left online messages, and have gone through an account investigation with them with no resolution and am worried about my credit.
I am receiving no less th an 3 to 4 calls a day from PMAB, who  claim that I owe money for a hospital bill form 4 years ago, that has been paid. I have even sent them a copy of the paid bill, and a copy of the deletion letter they sent to me and the credit bureaus to remove the old debt form my reports. NO DICE. They keep calling.
*Racketeering and RICO violations complaint of Shellpoint Mortgage Servicing* *On XX/XX/XXXX I submitted a complaint ( Complaint # XXXX ) about Shellpoint Mortgage Servicing, LLC XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX * My main complaint, of multiple complaints was that the former owner of my mortgage ( XXXX XXXX XXXX ) had already agreed to do an " assumption of novation '' in order to simply remove my ex-spouse 's name off of the mortgage. I was told Shellpoint Mortgage Servicing, LLC would be require to preform the simple task of a " assumption of novation ''. Instead of addressing this directly, they are saying that the divorce judge requested I refinance the home. The judges orders are that I simply have my ex-spouses name removed from the mortgage deed. The judge does not care how this is done and a assumption of novation is the easiest way to accomplish this. 
*Shellpoint Mortgage Servicing, LLC is not even a true mortgage lender, but is a debt collector mortgage foreclosure company. They have little interest in " servicing '' your mortgage. They only want to charge you over the top interest rates and then their finale goal is to take your home. Example : A year and a half ago my ex-spouse requested a modification with XXXX XXXX XXXX. She got it.It 's now owned by Shellpoint. We were only behind around {$8.00}. Only {$8000.00}! My wife and I were coerced into this insane modification by XXXX XXXX XXXX! We were told that we had to do this modification because otherwise, they would start foreclosure proceedings immediately. I'm claiming racketeering/RICO violations here. We only owed XXXX {$8000.00}, but the modification charges me {$800.00} a month for 5 years ( 60 months ) which they admit. That's over {$46000.00} for a {$8000.00} loan. See RICO violations. 
*I am willing to overlook this for the time being if Shellpoint gives me " assumption of novation '' to remove my ex-spouses name from the mortgage which my lawyer says is okay with the divorce judge. That's what I need done ASAP please. As I was promised. * The response to my initial partial complaint # XXXX that they never reported any late payments to any credit reporting agency is a partial lie by Shellpoint. They may not have reported it, but the mortgage companies I've contacted about refinancing call Shellpoint and are told I have multiple late payments. Thus, I am unable to refinance my home ( Even with 18 months of on time payments and a high income! ) because of Shellpoint 's saying I have late payments which is false.
On friday XXXX XXXX 2016 I went to wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a account with wells fargo checking and saving and I call early moring services and for some reason I can not get to them it doesnt take me to speak to a representative to find out about opening a account with wells fargo that have been declined to my request.. thank you
On XXXX XXXX, 2017 Nationwide Recovery Services placed an account for the amount of {$66.00} on my credit report in violation of the Fair Credit Reporting Act. Nationwide Recovery Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Nationwide Recovery Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Notice a collection account was added to my credit report on XX/XX/17 that does not belong to me. I recently had my identity stolen and have a police report to support.
I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound account.
Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. 

I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of  {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. 

As a veteran of this great country I am asking for your help in resolving this debt issue promptly, thank you.
Yesterday morning, I attempted to freeze my credit on line at Equifax. It put me into a loop that they could not process it at this time and to try later. After several attempts to try later, I called the number given for customer service. They said their system was updating and to try again in 30 minutes to 1 hour. I tried again in 1 hour to the same results. I then waited overnight and tried this morning at XXXX CST with the same online loop, then the phone call to customer service, where they said they were updating and could not access any files, so try back in 30 minutes to 1 hour, or try the automated system. I called the automated system and when I pushed the selection for credit freeze, it froze the line to dead air. I waited 4 hours and tried again on line ( to the eternal loop ) and called customer service, who told me they were updating their system and to call again in 30 minutes to 1 hour. I called the automated system and, when I got to the dead air point, I waited it our for 45 seconds and then got to input my street number and SSN to order the freeze, after about another 45 seconds of dead air, the voice came on to say they couldn't process my request at this time. My guess is that if I wanted to purchase some product of this bureau everything would worked fine. All I want is to put the freeze on my credit as I did with the other two credit bureaus.