WillisBack/dataset-financial-user-claim huggingface dataset:
I opened XXXX Barclay credit card on XXXX/XXXX/16 with the offer that promised to give me XXXX XXXX miles after spending {$1000.00} on this credit card. 
I met this spending requirement on XXXX/XXXX/16 and I expected to receive this bonus on my first statement on XXXX/XXXX/16. 
However it did not post on XXXX/XXXX/16. I contacted the customer service and they responded : " Dear XXXX XXXX : Thank you for contacting us regarding your XXXX Plus Card. We can certainly address your inquiry regarding the reward points on your account. 
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX, 2016! 
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX, they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however, it can take up to a maximum of 30 days. '' So then I expected to receive them on my next statement on XXXX/XXXX/16. 
But on XXXX/XXXX/16 Barclay closed my credit card without any reasonable explanation. 
I contacted customer service and they also could n't explain me why my card was closed. 
I inquired about XXXX bonus miles, but they said I wo n't get them because my card was closed by bank. 
I have not violated any rules and I met the spending requirement for this bonus on time when my card was active. 
It looks like bank is using these practices to refuse giving bonus miles to customers as promised.
I have recently went through the mortgage process and purchased a home. During this process it was brought to my attention that I had a couple negative items on my report. XXXX being an {$8.00} med bill and XXXX I realized was for an business auto loan that I NEVER signed any loan documents for. I did work for the company and was on the board at the time but when they said I would need to sign for the loan personally instead of as a corporate representative I out right refuse and never signed for this vehicle. I let the company a short time after. I have disputed this with all XXXX credit agencies and believe it have been removed from XXXX, I 'm not sure at this time about XXXX but Experian asked that I contact the lender direct which I did and they said they had no records to show my signature, only an electronic file showing I was a customer of theirs, and they suggested I dispute it and it would be removed. I told them I did and that 's why I was contacting them so they suggested I ask for a reinvestigation. Which I did and so far on XXXX occasions Experian has refused to remove it and just keeps telling me it 's " Updated ''. Here is the deal, show me my XXXX signature because I NEVER signed for it, and if someone forged my signature I want to know. I have a short email chain between me and the lender but obviously no script of my calls. This may seem petty since it is only listed for being 30 days late once but it is the point. I did NOT sign for this loan ... ... so WHO did. The credit reporting agencies should have to report who they spoke to and contact information for them and what documentation that they obtained " validating '' or " confirming '' an account belongs to someone. Not just send a generic letter stating they " updated '' the status and I can add XXXX words as an explanation? Whatever, show me the evidence.
Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.
Hello ; Cashcall charged this debt off without notification of collection, and it remains on my credit report. I request that Cashcall either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX
A letter was generated to my employer from Stephen Einstein and Associates on XX/XX/XXXX. The letter was regarding a debt from XXXX, where a judgement was made in XXXX 's favor as of XX/XX/XXXX. However, the debt that this " collection agency '' is attempting to collect has exceeded the 6 year statute of limitations in which you can legally collect on a debt. The letter my employer received stated that it was a subpoena, however this document was not signed by a County Clerk, nor was it delivered by a Law or Court enforcement employee, it was not sent certified mail either. The Einstein agency is attempting to collect on a total of almost $ 20K in manner that is not lawful. The letter advises you to visit their website for further assistance, yet their website www.stepheneinstein.com is n't available ... while I 'm aware that Sunday is n't a legal day to collect on a debt, the fact that their website is n't available makes this matter that much more questionable.
It 's my understanding that this Stephen Einstein and Associates took over a defunct XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which had a class action lawsuit against them for illegal collection practices ...
XXXX old tax liens that were paid/satisfied/released. 
XXXX from XXXX for {$800.00} and XXXX from XXXX for {$930.00}. These showed up on my credit reports last year ( XXXX ). I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed both of them immediately. 
XXXX removed the XXXX from XXXX, but not the XXXX from XXXX. 
Equifax did not remove either XXXX. 
I would like XXXX and Equifax to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.
I received notice on X/X/17 that Equifax experienced a data breach and that my personal information may have been affected. The notice informed me that I am eligible for 1 year ( 12 months ) of free credit/identity fraud monitoring. This is insufficient. If I now know that my data and that of 143 million other people is going to be monitored extra closely for 12 months, then the criminals who stole my data now also know that they should wait 12 months before using my data to steal money and commit fraud. How is 12 months of monitoring sufficient? I am very upset.
We contacted First Tennessee Bank on XX/XX/2018 with the following request : Please review and help get rid of the repetitive charges on this nonprofit account. XXXX XXXX was very unhelpful through this matter. The customer did not authorize the charge listed on the affidavit. A system block may need to be in order as well as this account to be closed. 

Our Business checking account was digged by an illegal operation and the bank charged us overdraft every day to the extent of {$1700.00}.
I have tried to file a dispute with XXXX  and XXXX for this debt. There are several issues that are incorrect but the debt collector 'XXXX   XXXX XXXX XXXX ' has claimed their information is accurate. 

My bankruptcy completed on XX/XX/XXXX and I paid XXXX XXXX XXXX directly on their website with my XXXX credit card. I never received any statements beyond the first one, nor did I ever receive any collections notices because the debt was paid. 
As of XX/XX/XXXX a collection account appeared on my credit report saying that it was opened in XX/XX/XXXX, and that I owed 3 times as much as what I originally said directly to the hospital in XX/XX/XXXX. Not only should this debt not have gone to collections because it was already paid off, the hospital apparently sold my debt to collectors that opened a NEGATIVE remark on my report more than a year after my debt was paid. I have disputed twice to have them verify the dates but nothing has been done. If this can not be removed from my report, the least they can do is correct the dates to XX/XX/XXXX instead of XX/XX/XXXX. The collections account is still showing as OPEN on my XXXX  report, although it also says discharged w/bankruptcy below that. 
Ica n't do much until housing/vehicle wise until this is straightened out. Please help.
In XXXX 2015 we closed on our new home. The mortgage was with XXXX XXXX. The first payment was n't due until XXXX XXXX of 2015. Between XXXX XXXX and XXXX XXXX we got notice from both XXXX XXXX and U.S. Bank that our loan was sold to U.S. Bank. From U.S. Bank we received our servicing transfer notice with the account number on it, but no follow-up paperwork or billing information. XX/XX/XXXX I got concerned about getting a late fee ( not knowing if a mortgage transfer keeps you with the same monthly amount to pay ), with the account number from the servicing transfer notice I opened an online account to try to pay the bill. I was unable to make a payment because the site said that we did n't have a statement. We called the bank to inquire about paperwork/billing information and we were told that a statement was on it 's way and we could do the payment over the phone-which we did. The following months we receive our bills we still have yet to receive any paperwork with details about the loan. 
One month we were accidentally late on our payment because there were XXXX deaths in our family. We tried to pay online, but had a fee that was n't there before ( we had no notice of any fees with online payments ), my husband called that night to pay online and the fee had jumped from {$3.00} to {$5.00}, I logged back onto the internet the next day and the fee had jumped from {$5.00} to {$11.00}. I wrote a note saying that I would no longer pay online or over the phone any more if there were fees. We were told it was because of the lateness of the payment and how late it was. OK, understandable ( we WERE late after all ), wish we had some documentation explaining this fee scale. 
XXXX XXXX I make a payment online. XXXX XXXX I receive a letter saying that my funds have been returned due to 'no account. ' Not sure what this means but now we have accrued a {$20.00} fee because this was sent by snail mail and nobody notified us by email or phone call even though that information is available in the account. I 'm assuming this was a mistype on our part when typing our bank information into the system. I got a, email receipt that said that payment was made-so I did n't follow up to double-check. It took 8 days for them to figure out that something was wrong and it took another 7 days for us to find out about it. I do not feel that we have been treated fairly by this bank and when I ask for explanation or help they suggest a call to customer service where we have to explain our situation repeatedly and get no help on the matter. Not even any explanation. I want written documentation about the fees and all fees and late payment information forgiven. 
Our last mortgage with XXXX XXXX was for over 10 years with no problems. It makes me feel like the problems with this account is not us. 
Any help is appreciated. Thank you for your time.
Tried to contact " customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem.
In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.
Today, XX/XX/2018, I was advised that because of a freeze on my credit data reporting by Experian, a prospective landlord and XXXX XXXX XXXX XXXX in XXXX, CA could not check my credit. I had placed freezes on all 3 credit reporting agencies after the XXXX data breaches a couple of years ago. I have my Freeze PINs so I logged onto Experian and followed their directions to remove the freeze, but I have spent several hours at it and keep getting a message that they are unable to do it. I tried calling the telephone number at which I am supposed to be able to remove the freeze, but the robot voice only offers the option to place a freeze, but not to remove one. I've been at this for hours and have been frustrated at every attempt. I can't reach a human being at Experian of get their processes supposedly in place for this to function. I can't even get into the XXXX website.
I contact Penn Credit Corporation about XXXX XXXX XXXX collection accounts reporting on my credit report. I acknowledge owing XXXX account, but not XXXX and was concerned that XXXX were reporting, hurting my credit score. I spoke to XXXX, who confirmed that I owe $ XXXX XXXX account only. She stated that Penn Credit Corp reports accounts as they receive and update them, resulting in XXXX collection accounts reporting to the credit bureaus. She also stated that Penn would not remove the second account-acknowledged to be a false collection account-until the first was paid in full. I asked to speak to a supervisor and was transferred to XXXX XXXX. XXXX stated that when an account stays in the office for a certain length of time without payment, Penn Credit Corp assigns the account a new client number and re-reports the account to the credit bureaus as a new collection account, resulting in a false, duplicate second collection account. XXXX supported XXXX 's actions and re-iterated that if I paid my account balance in full, XXXX of the collection accounts would be removed from my credit report. I explained that the false collection account is impacting my credit score and making it appear that I have XXXX collection accounts with XXXX XXXX when in reality I only have XXXX. XXXX indicated that she would file a request for a balance verification. I asked how long that would take and she said she had " no clue ''. I also asked what this would do as I had acknowledged owing a balance. XXXX said it might delete the second collection account from my credit report. In the meantime, I still have the XXXX collection accounts reporting on my credit report, causing my credit score to be lower than what it should be. The original account was assigned in XXXX and has reported since. The false, duplicate account was assigned in XXXX and reported since. At this point, what is to stop them from assigning another client number and reporting a third collection account to the credit bureaus?
I paid for a FICO score with Experian for XXXX dollar. They did n't give me a my score, because they said I was un-score able. I ask for my dollar refund and they said no refunds. I said your advertisement do n't mention if you were un-score able there are no re-funds.
I was told by Freedom Mortgage when I received my XXXX advance check in XX/XX/XXXX that as long as the checks are under XXXX they will endorse and send the check back out. I also informed Freedom Mortgage that I am the homeowner XXXX and will be XXXX along with my fianc and uncle to help. I received the remaining balance for repairs of XXXX a few days ago and sent it to them and now I am told I need a contractor for them to release funds. I have contracts that I have signed for my windows and fireplace that needs to be paid with the remaining and that is only the beginning. I am not in my home its been 4 months since the flood and I am not making enough progress there is mold on the outside of the exterior that needs to be repaired and I am now told I need a contractor after some of the work has been completed by my family and I. To top it off one of the representative left me on hold and ended the call. My family and I have suffered enough and are still currently displaced. I am also required to continue making monthly payments to Freedom Mortgage and my HOA. My HOA is also guaranteed a portion of this money to complete exterior repairs. Another representative told me they have to make sure the repairs are right however my home has passed framing inspection and electrical. My final inspection will be put on hold if this money is not released because I can not afford to pay out of pocket to fix my home. I am very upset that I was told I will be reimbursed by sending in receipts after I have to pay with my own money. I am already paying to live in a temporary home and my current home is not able to be occupied until the final inspection.
I have had a Mortgage with Chase Mortgage for a few years. In XXXX I received notice that my escrow payment was to be increased. If not, my payment would be increased {$280.00} to XXXX. I made the payment on the escrow shortage on XXXX XXXX 2015. In early XXXX I received a letter from Chase in the mail that my new payment would be increased by this new amount ( to XXXX ) There was no acknowledgement that they had received the escrow payment or otherwise why this was. I called Chase on or around XXXX XXXX to ask for clarification. I went through XXXX sets of menus and talked with XXXX people, XXXX of whom was XXXX. I ended up talking with a woman whose name I did not record. This woman tried her best to insist that I now owed the amount of XXXX, but in the end could not explain why, even though she put me on hold for around XXXX minutes while she talked with a supervisor. When she returned, she again tried to explain but could not. While I had informed this woman that i was about to be late to work and needed to conclude, I was on hold for a long time, spent XXXX minutes with her letting her try to explain why the payment was increased ( but in the end could not ). n the end I spent nearly an hour on the phone, She told me that my payment would increase to XXXX in XXXX, but could not exactly explain why that was either - given that I 'd paid the escrow shortage in full ( I have made the increased payment of XXXX for XXXX ). She finally promised to find out and call me back. In the end - even though I had made it clear that I could not spend much longer, due to my attempt to accommodate Chase employees attempt to explain ( which they could not ) and the long hold periods - I was late to work and the cost to me in idle workers and other consequences was close to {$700.00}. As of today I did not receive a call back, but did receive XXXX robot calls saying I needed to call on an important matter. I called Chase back and spent nearly XXXX minutes during lunch with XXXX ( spelling is XXXX ) who tried her best to tell me why Chase wanted a payment of XXXX in XXXX, even though the escrow shortage payment that Chase requested had been made in mid XXXX, which she confirmed, and that the other payments that I had been required were also received. She also told me that Chase had received the XXXX payment ( which is the amount that had been required before now ) but not applied this payment because I had not paid the full amount. In the meantime, for " late '' payments Chase had assessed me {$170.00}. After XXXX minutes of trying to explain - and insisting that she was giving me the answer - she told me she was not qualified to explain the answer to this question and would send me to someone else. At this point I had to return to work and ask her to try to call me, She said she would.
The summary of documents I received from WFHM, included and attached are the payments WFHM chose to omit. For whatever reasons they chose to do this, has cost me a chance to refinance and due to the fact that WFHM does not report my mortgage. It has also affected my credit score for years, the re-affirmation paperwork was never sent to the XXXX XXXX XXXX XXXX. I have gone directly to XXXX and spoke with XXXX XXXX XXXX directly and his staff and WFHM, failed to send the required paperwork to the XXXX and Courts. Additionally, they are refusing to re-affirm the loan and refusing to take responsibility for the missed payment history and responsibility of fault. As seen in the correspondence attached. WFHM needs to be thoroughly investigated for the common practices they exercise in not reporting all mortgage payments of their customers. It seems the monies received from clients are used to set up other accounts not known to their clients. This is the precise reasons they have been bumped down to a XXXX rating. This has been I estimate about the 50th letter I have sent to the CFPB, only for WFHM to reply and stall in working on a solid solution. WFHM does a smoke screen in delaying the responses, so as to apply the payments late and set up accounts, unbeknownst to the consumer.
I opened up a new Citigold Interest Checking account with a promotional code for XXXX AAdvantage bonus miles on XXXX XXXX, 2016. The promotional code was accepted and included in my Welcome Packet from Citibank. I met all the terms of the promotion, and called several times to confirm this directly with Citibank The customer service representatives confirmed that I had met the terms of the promotion, and I simply had to wait for the miles to post. Many months passed, but I did not receive the miles. I called Citibank again in late XXXX, and the CSR told me that Citibank had " run out '' of miles, but she would open up an investigation and I should hopefully receive them soon. Still, I heard nothing, so I called again about 2 weeks later, and had them resubmit the dispute. Finally, I heard back from Citibank via a digital letter, who now, all of a sudden, claimed I was not " eligible '' for the promotion. I called Citibank yet again, and a CSR echoed what the investigation said, even going as far to claim there may have been a " glitch '' in the system when I applied for the account. This is despite the fact that Citibank accepted the promotion code, printed it in my welcome packet, and then I had many different CSR 's confirm with me that I would indeed receive the promotion. I believe this entire situation has been quite troubling, deceiving, and unethical on the part of Citibank.