WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2018, I opened a Citibank Account Package ( checking account and savings account ) with a promotional offer for {$400.00}. The terms were : " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' On or about XX/XX/2018, I deposited {$15000.00} of new-to-Citibank funds. I allocated {$10000.00} to the Citibank checking account and {$5000.00} to the savings account. 

On or about XX/XX/2018, I had held the {$15000.00} minimum balance continuously for 60 days. 

On XX/XX/2018, 120 days from meeting the promotional requirements, I have yet to receive any promotional funds.
I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$2500.00}
I contacted LoanDepot in XXXX of this year to refinance a rental property that I own in Florida and began working with XXXX XXXX. A couple of weeks into the process, XXXX XXXX left and my loan was transferred to XXXX XXXX - this is where the problem began. 
XXXX XXXX quoted me a 15-year loan at 2.875 % for {$100000.00} ( rolling in the closing costs and buying of points ) after I bought points from 3.25 %. The cost would be around {$1500.00}. 
XXXX and LoanDepot did not execute my loan in a timely manner - despite my constant emails asking for the status and info they needed. Eventually, in XXXX the loan paperwork was completed and we went to sign, but the interest rate was now 3.25 % with no points being bought down. I refused to sign the loan. 
I was contacted by XXXX XXXX from LoanDepot, who explained why they could not honor the 3.25 % and he was to compensate us {$200.00} on the closing for late fees due to the current mortgage company. Despite not getting my interest rate, I agreed as long as the {$200.00} was compensated. The loan paperwork came again - exactly as the first one with no {$200.00} compensation. I refused again. 
I began asking friends about the loan. Each made the point that LoanDepot could honor the 2.875 % rate but are refusing. 
At this point, due to LoanDepot 's and XXXX ' incompetence, I am not refinancing my property but I am out the appraisal fee of {$300.00}. An appraisal fee that would not have paid if LoanDepot was going to switch the interest rate on my last minute. ( Not to mention that {$35.00} late fee to the mortgage company ). 
In summary, this company has wasted my time, lost me money in additional months of a higher interest rate by not refinancing ( or refinancing in a timely manner ), a late fee, and an appraisal that I did n't need. I am seeking restitution in money lost or them honoring the original interest rate they quoted me.
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2018 as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the that the creditor has authorization to legally access my medical records and to attempt to collect on this account as it should have been fully covered under medicaid and this account continues to negatively affect me.
There was a dispute mailed to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX. In regards to incorrect and non accurate information being reported to my credit file. It was received and signed for by one of the companies representatives on XX/XX/2018. I have not received any such rebuttal for the claims that I marked invalid on my report. I contacted them again and they still refuse to remove or correct the issue at hand. I was told that they never received the letter however I have the documentation showing that it was signed for and accepted by one of their representatives.
Comenity Capital Bank in XXXX Ohio had closed my account long ago. I finally paid the account off in XXXX 2017. They have no grace period, and it takes several days for a payment to post to my bank. I was not notified that they had charged me a late fee of {$25.00}. Since then they have continued to charge excessive fees and I was just recently emailed I owed {$89.00} when the count was paid off and already closed. They have reported negative information on my and my co-signors credit reports despite the account being paid off and closed. I want the charges removed because if an account was already closed and then paid off no other fees should have ever been charged. They refuse to reverse the charges and to correct the credit reports which is damaging my and my co-signors credit.
I have been receiving phone calls from a debt collector or financial agency called " Coastal Credit ''. Each time they call, they state they are looking for XXXX XXXX XXXX. I do not know this person and they are not a relative. I never heard of them. I do not know how these people got my phone number. I keep telling them I do not know her but they keep calling me. When I block their number, they always call from a different number. They do n't care that I do n't know this person. They just want to call and harass me.
Ticket scam on XXXX ( {$500.00} ). 

I am a customer of Bank of America. The scammer directed us to move the money via the BOA 's XXXX product. It was the first time we used the BOA XXXX functionality. Unfortunately, the Scammer understood more about the vulnerabilities of XXXX than we did. 

I have filed a police report, FTC complaint and FBI IC3 report.
The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing.
My checking account with Bank of America was closed by the bank in XX/XX/XXXX due to being overdrawn and unused for 100 days. Had my taxes done XX/XX/XXXX and my account inadvertently the old account instead of the new one I gave him. Bank of America deposited my return on XX/XX/XXXX to a closed account! On that same day I was issued an atm and and received a email notifying me it did as such. XX/XX/XXXX I received the atm card in the mail. On XXXX XXXX I learned of my account mistake and called the XXXX number on the back of my old debit card and it stated I had {$6000.00}. available in my account. Went to use the debit card and it was declined, went to withdrawn money for the bank with the atm card it was also declined. Called customer service that night and was told my account was frozen due to the fact that it was a closed account. Also was told the saving account I had connecting with the checking was still open. Then was told they could transfer from the checking to the saving but it would that 3 days!!! It is now XX/XX/XXXX ( 3 days ) and just left the bank and my money is still NOT transfer!!
I borrowed {$190000.00} from Quicken Loans/Rocket Mortgage to refinance the mortgage on my condominium. The loan closed on XX/XX/XXXX. I checked with the County Recording Office and Quicken recorded a mortgage on XX/XX/XXXX for {$190000.00}. The problem is that the original mortgage has not been cancelled. Right now it looks like there are 2 mortgages on my condominium. I contacted Quicken and they told me that there is nothing that they can do about it. Quicken provided the closing agent for the Loan. Why hasn't the original loan been cancelled and the mortgage marked satisfied? Did they pay off the first mortgage?
I disputed with this company back in XXXX the company is Avant. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX  has so many names and addresses on my file I didnt sign up for this.Please reach out to this company Avant to investigate.
I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX Hard Inquiry- XXXX Capital One- Hard Inquiry- XXXX, XXXX XXXX XXXX Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
A {$150.00} prepaid XXXX was issued from XXXX XXXX for signing on as a new customer in about XXXX XXXX. The card indicates it was issued from XXXX. 

The card was not used and shows an expiration date of XXXX. When the card was attempted to be used in early XXXX XXXX, it was denied as expired. 

I called the phone number on the card XXXX. They said that they no longer handle this card and referred me to XXXX XXXX. XXXX XXXX told me that it was true that they no longer work with XXXX, but that that there was nothing they could do, and that I had to work with XXXX. 

I found an e-mail address for XXXX - XXXXXXXXXXXX who I e-mailed the situation. They replied with a different phone number to call XXXX. I called that number, and based on the card number was referred back to the original number on the card referring to them as " Young America ''. The contact at XXXX said that it is called a sweep card and that at expiration all of the funds are removed from the card. I could not get an explanation of where the funds go. 

In another conversation with the original number listed on the card, I was again told that they " no longer work with XXXX XXXX, and that they transferred all of the information back to them '' Bottom line is that someone has the {$150.00} and it is not me.
I have a Auto Loan with XXXX XXXX XXXX ( Balance {$31000.00} original Loan {$36000.00} ) It was removed from my credit report and I wish to have the auto loan reporting again.
Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score.
I had a checking account with Wells Fargo that I closed over a year ago. I recently received a statement for the account indicating that the account was still open with a balance of XXXX cents and a service charge of {$10.00} due to the low balance. 
I called the customer service line and explained the situation. The representative asked for my password but I explained that I had closed the account of a year ago and that I did n't recall. Their response was that they would not be able to assist without the password and that I would need to visit a local branch for assistance. 
I explained that I did not need to discuss the account and that they should be able to clearly see the issue and resolve the matter without further discussion. I further explained that this was their problem and that I had neither the time nor the inclination to visit a bank branch to deal with what was clearly their error. They offered no further suggestions and reiterated that I would need to visit a local branch for further assistance.
I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian.
I received my Capital One in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. I have been a proud customer with them for years ; however, in XX/XX/XXXX due to XXXX XXXX, XXXX XXXX   and family obligations I was left in an unfavorable position financially which caused me to have a late payment on my Capital One account. 

I have sent Capital One goodwill letters on multiple occasions ( two Goodwill letters to the CEO ( XXXX XXXX, XX/XX/XXXX ) and multiple phone conversations with XXXX of Capital One Executive Office ( XX/XX/XXXX ) ) to request for assistance and understanding of my situation. I have also offered to send proof of medical history during my hardship. They have denied my requests and they are not willing to negotiate, change my status or assist me in any form. 

I have taken numerous steps to ensure that I am a current and abiding customer. I have downloaded the Capital One App and I received notifications to my phone & email to ensure that I am most current on my Capital One payments - and I have been. Even with these successful changes and a spectacular payment history since, they have not been willing to consider my request to remove this single late payment from my credit reporting history.
MILITARYSTAR ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MILITARYSTAR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MILITARYSTAR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
I am not aware of these inquiries made on these dates. 

XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards
I recently opened a business account with BBVA in XXXX 2016, and ever since then, I have been having issues with logins, password retrievals and the rest. The most painful thing was when XXXX of my clients wired money into the business account and subsequently had to wire some into the company 's brokerage account. The wire transfer was cancelled and hence, account frozen. I have gone to the local branch at XXXX TX to make complaints, but all to no avail. I was told they could n't unfreeze the account because whoever froze it is still unknown and neither do they know the reason behind it. This is a business account, and I have n't been able to conduct business the way I should. 
All I want is to withdraw all my cash and possibly close my account with them. If no resolution is reached in couple days, I will proceed with legal actions. This is absolutely absurd and uncalled for. 
XXXX XXXX
2nd ltr to be sent -- -- I am writing this letter regarding an interest charge of {$800.00} plus dollars, almost the same fee I am paying for my kitchen floor which was added to my existing bill which will be paid in full on XX/XX/XXXX. I paid my {$5000.00} plus bill from XX/XX/XXXX to XX/XX/XXXX off with my XX/XX/XXXX payment which was {$300.00}. I am a XXXX senior who is not stupid, has XXXX, or XXXX. I am actually quite smart and know a scam when I see one. ( Remember this is an online account not a paper account ) Do the potential and ongoing customers out there know what you are doing? Is it Wells Fargo Bank that has been cheating the customers or XXXX? 
I am going to file a complaint with the Banking Commission, Federal Trade Commission and the Consumer Affairs Div. Let me not forget all the agencies like the XXXX, XXXX, and XXXX including XXXX and XXXX! I want you to know I consider this a scam tactic preying on the elderly. If you feel I owe you some interest based on a dispute of days, a few dollars would have been acceptable but if you think I am paying you close to {$900.00} you are mistaken. I will be forced to hire an attorney to fight this and it will create a hardship on a senior who paid her bill in full. Again, I am so sorry I did business with XXXX and Wells Fargo Bank. I have never had a problem with any other monthly payment plan and certainly wo n't be telling guests who did my floors and they should give them a call, as long as you are the financial bank handling the accounts. I have had several other payment arrangements through XXXX, etc and never had a problem with any of them.
In XXXX I took out a mortgage loan with XXXX XXXX XXXX. They advertised affordable monthly payments and low interest rates on their loans. However, every month the bill came higher than expected. It got to the point where I no longer was able to afford a monthly payment. In XXXX, XXXX Bank, entity that did not know, started a foreclosure action against me. The entity suing me was different than the one I took out the loan. Then, I heard from American Servicing Company, another bank that started collecting the debt. I tried to do loan modifications several times but I was denied. I feel that the bank did not do a proper and fair review of my loan modifcation application and just wants the house to be foreclose. The legality of this loan is in question since I do not know to which entity do I really owe money to.
Transunion and XXXX both have failed yo notify me of credit investigation results I requested. I have for months disputed accounts with no resolve other than comments being added yo my credit report that I was disputing certain accounts. Please ensure this is dual complaint both against transunion and XXXX credit bureau.
I originally received a promotional offer from Citi for opening a CitiGold checking account with a promotional offer for XXXX XXXX miles upon qualifying debit purchases ( see attachment on XXXX/XXXX/16 ), and upon calling Citi to open my CitiGold account I was put on hold to verify my eligibility and was CONFIRMED that I was ELIGIBLE, and the account was then opened with the promotional offer. I also contacted Citi via online chat to confirm the debit purchase requirements, in which Citi confirmed that making {$1000.00} in debit purchases ( along with the already completed bill pays over 2 months ) " to receive the promo bonus '' ( see attachment on XXXX/XXXX/16 ). After completing the requirements, I contacted Citi via online chat on XXXX/XXXX/16 ( see attachment ) to confirm all requirements were met and the representative confirmed everything was met and after 90 days I would receive the bonus. After the 90 days I contacted Citi via secure message on XXXX/XXXX/16 and was told that I was not eligible for the promotion ( despite being continually confirmed of eligibility ) and therefore would not receive the promotional bonus. I signed up for this offer based on this promotional bonus and Citi has $ XXXX monthly fees for the account ( which I would not have agreed upon without the promotional offer ). This willful misleading is unethical and fraudulent, Citi willfully agreed that I was eligible and confirmed the completion of the requirements as evidenced by the attachments, and now that I am due the promotional miles Citi has suddenly reneged on the offer while continuing to charge monthly fees for the account. Citi should be held accountable for honoring the promotional offer, particularly given the fact that throughout the process they confirmed and reconfirmed my eligibility and qualifications for the promotional offer. This type of misleading can not be legal and Citi should be held accountable, particularly given that a quick internet search shows that Citi has " scammed '' many people with this same offer.
Car was repoee with 13 days delinquent and would n't allow recovery unless full loan amount paid EXETOR FINANCE