WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX / XXXX  I made a  purchase through the Citi Travel Rewards website for a flight in the amount of {$310.00} with my Citi Prestige credit ca rd.     According to the stated rewards and benefits of the card, I am entitled to a {$250.00} travel credit per calendar year for purchases made with the credit card. I made a travel related transaction last year in  XXXX  on  XXXX / XXXX / XXXX  for a  XXXX  flight in the amount of {$260.00} and was successfully refunded {$250.00} one week later on  XXXX / XXXX / XXXX .     Citi is not issuing me the travel credit for my  XXXX / XXXX / XXXX  purchase, however. This is especially problematic for me since I had intended to close my car d two mo nths ago, but have been waiting for the travel credit to hit my account. I now have a {$350.00} annual fee on that has hit my account on  XXXX / XXXX / XXXX  as a result of waiting. And because so much time has elapsed, I have now already paid the fee as part of my last closing statement.     I called t he Citi customer service on three separate occasions and reached three different customer service representatives. Each of them told me that my issue is being caused by a bug in their system that does n't recognize purchases through the Citi Travel Rewards website, but i t should be eligible for the {$250.00} travel credit. I was told by all three of the representatives that I just need to wait since there is nothing they can do and the credit will be issued to my account eventually.     I then sent a message to customer service and received a reply on  XXXX / XXXX / XXXX  telling me that the charge was ineligible since it was through the   Citi Travel Rewards website. This is despite all three other customer service reps saying it was actually eligible after checking with their manager. I responded to this message and asked them to please verify and was given a generic response telling me to send a letter to the " Office of the President. '' It has now been over two months and no resolution is in sight and the customer service team says they have no way to help me or is giving me conflicting information and is not confirming what is correct or not. Should I be waiting? Should I not? I feel that I have been wrongfully forced into keeping my card open so that Citi could collect a {$350.00} annual fee while they hold my {$250.00} travel credit hostage so to speak.
Your help here would be greatly appreciated.        XXXX
I have an open debt collection showing on my credit reports that is not mines. I did not authorize this account on my behalf or anyone else 's. I wish to dispute this matter immediately due to the inaccuracy of this information.
I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
I normally monitor my credit through   XXXX   XXXX  ,  XXXX   XXXX   XXXX  and now   XXXX   XXXX  . I noticed that there was a social security, address, name  ( s )  linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,  XXXX  of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contactin g one of t he companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have  XXXX  different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account (  s ) A nd also I am unable to pull my credit report directly from   XXXX   because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. 
I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.
The company has now stopped talking money out of my account for no reason at all and they sent it to collections which is XXXX and XXXX this company is XXXX me over
My fees and interest charges are higher than I expected and I was not informed on this interest rate. Ive accrued over thousands in fees, after being a loyal member for 5 years. It's never been this hard to pay off 1 credit card before.
Ask for verificatiin of debt showing on credit report and agency said they cant find the information yet its still being reported.
I have just been informed of this co llection as of  X/XX/17 . THe co  mpany is saying that they can keep this on my credit report for 20 years. I have researched this case individually, and the amount out for collection exccedes the amount the first party originally attempted to collect.
I called Transunion on XX/XX/2018 at XXXX  CST and spoke with XXXX their representative. I explained to XXXX that I knew about the companies breach and that their were inquiries on my report that had been removed and are now back. I also stated that under the FCRA sections 6 and 11 anything deleted can not be reinserted without my consent and or knowledge, he in turn said he would not remove them. There are several inquiries
REGARDING EMBRACE HOME LOANS INQUIRY XX/XX/XXXX XXXX XXXX XXXX LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/XXXX AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX   IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XX/XX/XXXX
I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act. 
Please Help Me Save My Home!!!!!
Purchase was XX/XX/2017 with XXXX XXXX XXXX Invoice states that NEW PARTS are to be installed on the vehicle. Please refer to attached invoice, in the TOP LEFT CORNER it clearly states that New Parts will be installed. I have circled this area in red so it is easier to see. 

Please refer to statement by the Merchant which indicates that they installed parts previously used on another vehicle. I have underlined this portion of their statement in red so it is easier to see. 

Based on these two pieces of documentation, it clearly shows that the Merchant 's description of the item ( What was stated on the invoice ) does not match the merchandise received. 

I am asserting my CLAIMS AND DEFENSES protection, and am within the 1 year deadline to do so. I am disputing the amount of {$1200.00}. The merchant has refused to refund the charges, and I am requesting that Chase dispute the transaction and return my money to me. The merchant is located within 100 miles of me, and I have not paid the amount that I am disputing, so I am well within my rights to assert my claims and defenses protection. 


The response from JP Morgan Chase : " We were unsuccessful because we have nothing to support that the service/merchandise that you received is different than what is on your final sales receipt or invoice. '' is misleading because the Merchant sent them the Statement admitting that they installed USED parts on my vehicle, when I have supplied them with the signed invoice stating that NEW parts were to be installed on my vehicle.
I get garage doors ( XX/XX/XXXX- {$1100.00} ) from Home Depot on their credit card that offered no interest for 12 months ( 12-month period expiring in XX/XX/XXXX ). I had to make a small minimum monthly payment. 
I did not receive my first XXXX statements, and the first XXXX payments were late. I paid the credit card in full on XX/XX/XXXX along with a {$60.00} prior late fees. I was told that the other late fees of {$25.00} will be reversed. 
The fee was never reversed. The card issuer starting charging interest and monthly fees on {$25.00}. As of XX/XX/XXXX, ( a copy of the statement is attached ) the {$25.00} outstanding balance has increased to {$130.00} and this outstanding is reflecting on my credit report as 90-day delinquent. My XXXX score is down by XXXX points. 
It seems completely ridiculous that though my outstanding was paid in full- 6 months prior to my payment data but still I am labelled as 90-day delinquent and my credit score is impaired. I applied for XXXX credit cards last month ( XX/XX/XXXX ) but XXXX were denied because of this 'Home Depot Delinquent Account '. 
The credit reports need to make a distinction between principal unpaid and fees unpaid so that the credit impairment for nonpayment of bank fees is not treated with the same severity as that for non-payment of principal. 

Thank you,
Hello CFPB I recently applied for a Premier Checking account with XXXX XXXX XXXX. The account was approved on XX/XX/XXXX. I then deposited XXXX dollars into the account and had no further activities since the account was approved. I found out yesterday that I can no longer access my account without any notice or explanation from HSBC. 


I called customer service today on XX/XX/XXXX and was finally told that due to " rules of deposits '', HSBC has decided to close my account with no further explanation or possibility to resolve. I can not possibility imagine that depositing XXXX dollars into my HSBC account has violated any rules for deposit or wronged the XXXX XXXX. Note there is absolutely no requirement for minimum balance level, and my account was already properly approved. I had absolutely zero activities since my initial deposit of XXXX dollars. 

Further, when I called customer service, the client relationship manager refused to have me talk a manager and informed me that HSBC is unlikely to do any business with me in the future! I mean I am now banned from opening any accounts with HSBC. If they don't want to do business with me, they don't have to approve my account in the first place. 

If HSBC is so negligent and improper for dealing with US customers, I sincerely hope their Charter be reconsidered for this country. 

Best, XXXX XXXX XXXX
I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.
I signed up for the AMEX Platinum card during a card holder bonus sign up offer where you get XXXX Membership Points if you spend {$3000.00} or more within the first 3 months. According to representatives I live chatted and contacted via phone several times, the first 3 times of contact, they told me I had spent around {$3400.00} for the first two times of contact, and the third time of contact, which was the week before my 3 month period came up, the representative told me since I had refunds made on the account, my new total was {$3000.00}, which is over the {$3000.00} spend so I should be getting my bonus points ... that never happened. I called a few weeks later, the fourth contact to amex customer service, and now the rep told me that my spend did not meet the minimum spend of {$3000.00} and that my total spend was just shy of it at {$2900.00}. This rep told me that my case would be forwarded to a supervisor for review, and she called me back a few days later telling me there 's nothing that she can do about it and that it 's a automatic process. This rep also told me that my total spend was around {$2700.00}. I do n't understand this miscommunication here, if I was told that I did n't meet the minimum spend the first 3 times of contact, I would have went ahead and spent the difference, qualifying for the promotional sign up bonus. There should be no reason that I 'm quoted a different total each time I 've called or been contacted. It literally makes no sense that my total went from {$3000.00} to {$2900.00} to {$2700.00}. There was XXXX refunds and credits done between the contacts between customer service, so I 'm not sure what 's going on, but I 'm missing XXXX points which I should 've gotten but I did n't because of some serious miscommunication. I understood the first jump between XXXX {$3400.00} to {$3000.00} because there was indeed a refund/credit, but the next 3 times makes absolutely no sense at all.
My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.
XX/XX/XXXX, I was about closing on a new home, when the underwriter called for my final credit report before the loan closes, the underwriter found out that I was reported to have a 30 days late on my current mortgage. When I contacted Bank of America the loan servicer, I was told that yes, I was late on my mortgage. However, what happened is that my XXXX mortgage which was reported late was paid on time. The issue, is that there was a slight adjustment on my escrow account in amount of {$50.00} or so. The bank refused to credit the already paid amount and Bill me for the balance but chose to report me late. The rep I spoke to said they tried to reach me but was unable to. They sent me a written mail to that effect but I did not open the letter. I thought is XXXX of the letters I receive daily. They have my email address but chose not to contact me through email. They even said, that they dont't have my phone number in their system, which was a surprise to me. Overall, I beleive that Boa did not treat me good after being with the bank for about 8 years paying my mortgage on time. Moreover, I beleive they knew I was about acquiring a new home for them to make this move. Please I need your assistance with this because my credit went fromXXXX down to XXXX, of which no bank can service any loan for with such credit rating. Also, I have {$10000.00} in my escrow account, which I may lose if this issue is not resolved in timely manner. I have pleaded with them to reverse this no avail. I even involved a lawyer to assist but it seems it got worse. Please I need an urgent action to this effect. My loan number with boa is XXXX. 
Thanks for your anticipated assistant to this effect.
This company promised me that they would get back to me within a month or 45 days but it seems like it taking longer and i'm getting no update ... has anybody out there had an issues with well fargo???? i went on XXXX and it seems like this company is trying to tear everyone down this is what they told me ... 

" Subject : Response to the recent inquiry Application number ending in XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX We certainly understand that our customers do not want to be to financially responsible for goods or services from which they do not believe they received benefit. We confirm our Fraud Department opened a claim on XX/XX/2018, for two charges to XXXX XXXX, one in the amount of {$83.00}, and the second one for {$84.00}. We confirm both of these charges were accepted by our Fraud Department on XX/XX/2018, for the total amount of {$160.00}. 
Our records show there was no claim submitted for the following charges that took place on XX/XX/2018, XXXX XXXX XXXX XXXX for the amount of {$200.00} XXXX XXXX XXXX XXXX for the amount of {$22.00} '' how much longer will this take???
Asset Acceptance based in XXXX, XXXX is a debt collection agency that has now attempted to ( and partially succeeded ) in collecting funds from my bank account via levy, on three separate occasions. I can provide paperwork and exact dates of each levy attempted, as needed. 

This debt was based on a XXXX XXXX XXXX credit card that was last paid XX/XX/XXXX. The 90 day window for the time of delinquency puts the date at XX/XX/XXXX from when the attempt for debt to be collected began. 

The statute of limitation in my home state ( XXXX ) regarding oral or written contracts is six years. As of the current date, This debt has not been collected for seven years and five months. 

The only correspondence received was from XXXX County courts, alerting me that funds were attempted to be collected from my bank account. When contacting the courts I was given a phone number with voicemail to contact. After leaving voicemail on three occasions, no return calls were ever made to me.
I received a call from PRG this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.
My husband expired suddenly in an auto accident on XXXX/XXXX/2013. His XXXX check paid our mortgage each month. I have been struggling to make make payments on my income alone. I bring home about XXXX a month and my mortgage is XXXXXXXXand is mostly interest. I was told I qualified for a loan modification by Ocwen loan Servicing which is my mortgage co. They then said I was denied by my mortgage co. Ihave asked XXXX times for the mortgage co. and have contacted them and each time the name and contact info was wrong. In fact this last company told me to contact you and they were very familiar with Ocwen doing this. In fact Ocwen does not actually have a physical address just po boxes. All calls go to XXXX and no one who answers the phone knows what is going on.