WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted an application for a CitiAAdvantage Platinum Select MasterCard on XXXX XXXX by clicking through an offer that for XXXX AAdvantage Miles after spending {$3000.00} in 3 months. In the process of following up, I was told that I did not qualify for the offer due to closing a Citi AAdvantage Bronze card XX/XX/XXXX. 

The offer stated specifically that " XXXX XXXX AAdvantage ( R ) bonus miles are not available if you have had a Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) MasterCard ( R ) card opened or closed in the past 24 months. '' However, since I have not had a Platinum card since XX/XX/XXXX, I believe that I should qualify. 

If Citi/Mastercard count the Bronze card as part of the qualifications, then it needed to be explicitly stated. By stating XXXX specific card, it is understood by the consumer that other cards are not counted in the exemption, and that they are different products. 

Additionally, I have faxed the original offer that I clicked through and have not heard a response. The response time to secure messages has been over the promised 24 hours, with the same response multiple times. On the phone I was given the answer that the cards are part of the same family of cards, and therefore you are not qualified. When I asked to speak to a supervisor or if there was another number I could call for additional clarification, I was told that there was no one else to talk to, per their policy. 

I 'm attaching the offer which I faxed to them on XXXX/XXXX/XXXX at XXXX, EDT
I attended University XXXX at XXXX for two years and needed to take out private student loans to be able to afford school. My private student loans are through Navient, formerly known as XXXX XXXX. XXXX 2015 they withdrew XXXX dollars from my bank account without notifying me of my change in repayment terms. They had overdrawn my bank account weeks before XXXX. When I called to ask them to please refund the money to my bank account so I was n't charged an overdraft few they said it would be impossible for me to get the money back for up to three weeks and that if they cancelled the payment I would have to pay them immediately another amount even without the money being refunded to me.
I was once a customer of Wells Fargo. One day, someone deposited a fake check into my bank account. When that happened, Wells Fargo decided to close my account instead to finding out what happened or to explain to me why my account was closed. It has been few years since that happened and I went back to Wells Fargo to try to open up an account, but they told me that I could n't and contact you guys. The paper in which the teller printed out for me does n't have any explanation as to why I can not open another account with wells fargo. I would appreciate it if you guys could tell me the reason why I ca n't open another account with Wells Fargo and if I could open one up later. If there are some fees that I have to pay, I 'm more than willing to pay, I just want to know why I ca n't open an account, and if I can, how I would open one. 

Thank You.
I have had an ongoing issue with   XXXX   XXXX   credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my   XXXX   XXXX   card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.
I sent the attached investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.
I had a mortgage with Pentagon Federal Credit Union with a balance of approximately {$130000.00}. I applied in early XXXX for a re-finance in the amount of {$160000.00} on an adjustable XXXX rate mortgage and stipulated a Title Service company here in Alaska as my choice of service. After the loan was approved and scheduled for closing - I was notified at the last minute another Title company would service the loan. I objected ( by email ) because it would cost more - they said they would lower some fees to make up for it and they did ( but not for as much as promised initially - again by email ). 
Also questioned why we are paying {$1000.00} for an appraisal that cost {$700.00} ( which is why we wanted to choose our appraiser and Title company ) basically told verbally by " XXXX '' it was a service fee tacked on by XXXX (?? ) Signing was scheduled at our home for XXXX. Prior to that I requested copies of all documents we would be signing. I asked more than XXXX time by email. 
From XXXX XXXX we received XXXX different disclosures. 
We signed on XXXX and was told funds would be available on the XXXX - then the XXXX ... 
Was given an electronic deposit tracking # and told was made n the XXXX after XXXX. 
As of today the XXXX still no funds after repeatedly requesting by emails starting XXXX As of today no accounting received for our request for clarification of " changes '' we were told would result in funds received As of today we have not received ANY copies of any documents we signed. 
Emails attached along with copies of documents sent to us.
It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.
Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to XXXX and Experian intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.
XXXX is reporting as derogatory mark on my credit and I did n't open any accounts with them nor have i received anything in this mail about this company and it is affecting my credit and needs to be removed immediately.
This company calls me upwards of 3 times in 10 minutes all day long. I 've repeatedly answered these calls and asked that they stop calling and that I am protected from this type of harassment by federal guidelines - at which point they hang up. I 've also asked that they mail me information regarding the debt - I have not received anything since the request I put in 9 weeks ago.All of their repeated calls are done via an auto-dialer. If you do answer XXXX of these calls they typically drop the call if an agent is not free, and then will call you again 3 minutes later. It 's become completely harassing in nature. I am more than willing to talk to someone about paying off whatever it might be that I owe, but I will not respond to a company that uses these types of tactics to recover debt ( which I am fairly certain is less than {$1000.00} ). I 've asked to speak with a supervisor and I 've ever been hung up on OR placed into a voicemail for someone named XXXX XXXX and not transferred to a live person.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in  dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 

A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX/XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Type Other XXXX Account Type Other TransUnion XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX XXXX Account # XXXX
Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.
In XXXX 2017, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and XXXX XXXX re-added the account to my TransUnion file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Hello there, My Credit Card Limit was increased from $ XXXX up to $ XXXX without my consent and permission. I dont even know that during the moment i saw my " new '' credit card limit on my cellphone. Bank of America did that and I am wonder do they have a permision to increase ( rise ) my credit limit? Who gon na pay for it? I don need and never ask anyone to increase my limit. What about if i spent the money they gave me and cant fill out the balance. Just wonder! Please help me to get over that situation. I 'd want to protect my right and I need to know what the law says. Can I sue the bank and how. Absolutely agree they have to be punished about their action. Could you explain me please how that can be possible to get increased credit limit without asking for it in 21st century. Tomorrow they gon na increase me up to XXXX XXXX without my consent and permission. Who can stop the bank doing illegal things. They are mafia Also whole my life I am wonder why they can give me 1 % interest keeping my money for a year during they ask 15-25 % interest if I take a " loan '' from them? for same amount. I mean i can go to the bank make a deposit for $ XXXX and then they gon na give me a 1 % interest but in same time same day I can fill out a application asking for $ XXXX loan for a year and they gon na give me those monet with 15-20 % interest. WHAT is the difference why my action is named deposit and their loan. I can give them a loan also for 25 % interest a year who can protect my rights or I am sick to think about that like that. But please tell me what is the difference
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern Equifax, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
this is a follow up of the complain I sent about the transaction I had made for around 1300 dollars on XX/XX/2016. I had been in a battle with digital altitude trying to fight to get not only my money back but to shut down the company that had failed to keep their word. I wanted to provide documentation about how the company wouldn't provide me with the necessary refund even though I had requested it before the refund deadline. Below is the shady tactics that they did to steal my money. Once again if you search the digital altitude FTC shutdown you will see what i'm talking about thanks!
THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. 
We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.
XX/XX/16 - XXXXXXXX XXXX XXXX XXXX Hard inquiry that is still affecting my credit score XX/XX/16 - XXXX/XXXX Hard inquiry that is still affecting my credit score
My father had XXXX CDS with CIT BANK XXXX XXXX Bank. Home base for CIT BANK/ONE WEST is XXXX XXXX. He died on XXXX XXXX, 2016 in his home state of XXXX. His will was probated in the XXXX Courts, approved by the judge and an estate account was established. My brother & I are joint administrators for the estate. My brother contacted CIT BANK in XXXX 2016 & provided all data necessary to have the certificates redeemed and a check issued to the estate. CIT refused to honor the documentation as it is their policy to not honor the estate that is housed outside of XXXX. They insisted we had to file a new probate in XXXX to have the funds released. CIT BANK DOES NOT HONOR SISTER STATES PROBATE. I contacted the XXXX XXXX XXXX XXXX advised me to contact both you and the XXXX. The Chief Deputy Attorney General must have notified CIT Bank because 2 weeks later, my brother received a call stating they are sending a form that needs to be completed, signed & notarized by the both personal representatives and then the funds would be released. The condition, we had to close the accounts which ironically that is what we wanted to do! The form we received was an official CIT BANK form, affidavit of sister state personal representative. We were allowed to complete, sign, have notarized & SCANNED to the company. No hard copies necessary. We did receive the funds within 10 days however, I am still writing this complaint because my dad had a lot of assets in different institutions from XXXX XXXX to XXXX XXXX None of the other companies put us through this ordeal. It is stressful enough to lose your last parent and trying to settle the estate knowing that you are getting this money because your parents are both deceased .And if we would have to had to open a second estate, estimated costs of {$11000.00}. That would have eaten into the original balance of the funds plus interest..The estate left the funds to my brother, myself and the XXXX grandchildren. My dad served in both XXXX and XXXX. He was an intelligent man and his mind was very coherent to the end. I believe that CIT DID NOT DISCLOSE anywhere in the disclosures that if the owner of a certificate of deposit passes prior to maturity, the bank will not honor estates established outside of its home state which they perceive as XXXX. I feel that clients who want to invest with financial institutions be made aware that this bank will not honor out of state probated estates. 
thank you.
A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report.  It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to me.
For a year I have been called about a debt by delaware solutions, but they do not disclose the debt they just call it check fraud sometimes it is XXXX or XXXX companies calling on the same debt in the same month, they say they are a legal dept but will be specific. They keep calling my place of employment even though they have been asked not to by me and the others in the office, I will loose my job they called my office XXXX on XXXX/XXXX/14. They use robo calls and threaten with jail and fines I have spoken with these debt collectors and requested they send me all the information on the original debt including my signature that says I agreed to such a contract, they then get irate and start yelling, I refuse to give them any of my personal information but they continue the call, they think because they have the last XXXX digits of my SS number that I will agree to pay them money, they threaten jail time and fines if I do not pay with in a few days, after I refuse the calls stop for a week or XXXX and start right back up. I have them blocked from my personal phone but they keep calling my work, they even called my brothers house phone I did n't even have that number. How they got it I do not know. I just want this to end a year of this harassment is more then anyone should have to endure. Attorney 's say they can not do anything because these companies change locations. You would think after a year they would know I am not giving them anything and move on.
This company spot loan submitted an illegal usury interest rate claim to these people that is called XXXX banks XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.
I submitted a loan modification package to the lender for review. I was advised twice in XX/XX/XXXX that the loan package was complete and there were no more necessary documents.

I then received a letter changing the rep on my case, and the next letter I received was a letter advising they had not received a package since XX/XX/XXXX, and that no package is in review. 


I went to court last week and the attorney advised that there was no loan modification in review. I called my lender after the hearing and they advised they have a complete package and its with underwriting. 

There has been a complete mishandling of my loan modification.