WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX my mother received a phone call from the Weinberg Mediation Group concerning a debt of mine. They did not call me, although they have that number on file.They ( her name was XXXX ) told my mom I owed {$420.00} and if not paid that day I would be sued. Even made it sound like I had used my mom 's information to get a credit card. They emailed my mom a statement of who and what was owed. How can they talk to my mom, I 'm XXXX years old and do n't even leave with her. I called Weinberg back and was told on my credit application I used my mom as a reference and that 's how they got her number. I did set up payment because she told me I had to payment is for the XX/XX/XXXX. I really do n't believe I took this credit card out, there are 2 on my report from the same company about 2 weeks apart. I would not of done that. The Weinberg refuses to Validate this through USPS, said they ca n't. Today I called the original creditor and was  told they do n't ask for references on applications. So I know this lady got my mom 's phone number from something else. I just do n't know what to do. I would like more time for this to make sure I did this and its not Fraud.
XXXX  2017  : received a bunch of Voicemails during business hours from  XXXX . Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX / 17  : my attorney sent a certified letter to  XXXX  to verify debt and gave them 30 days to respond.      XXXX /2017 :  XXXX  has not contacted my attorney with proof of debt.      XXXX /2017 : Debt in collections appeared on credit report. Attorney never received proof of debt.
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles within 90 days. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. I further confirmed this in a later chat on XXXX XXXX, 2016 ( also attached ), that the miles would be awarded no later than XXXX XXXX, 2016. After XXXX XXXX passed with no miles awarded, I messaged Citibank again, which opened an investigation that appeared to do nothing. I messaged again XX/XX/XXXX, an on XXXX XXXX received a letter ( also attached ) stating that the miles would be awarded as soon as I gave my XXXX XXXX frequent flier number, which the bank had somehow lost. I called and gave the number that day and was told that the miles would be deposited within 3-4 business days. When this date also passed with no miles deposited I messaged again, which resulted in Citibank starting a new " investigation '', though I am not sure exactly why. The CSR was unable to tell me how long this one might take. 

Each month that passes without my miles being deposited results in a {$30.00} charge from Citibank for this " premium '' Citigold checking account. So far it has been over 2 months since the date I was to receive my promotional miles, or {$60.00} in additional charges that Citi has dragged from me because of their stubbornness in awarding the bonus they themselves admit I have completed the requirements for. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX, 2016. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. 

Please help me to get my awarded promotional miles. Thank you. 

Note : the password to open the protected citibank leter dated XX/XX/2016 is XXXX
I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off????
around XX/XX/2016 i got a check from tenant. I am a XXXX and I accept a check from him after that i found bedbugs that he brought from work. 
I have to give him notice for moving because my apartment had a carpet floor. 
My roommate got a problem and moving out. and he also gave me a checked and cash in the same time. I after that time i got that the checked was report for lost. 
and Fraud also. Bank of America close my account and report me I am a thief and fraud with check. I have a paper that give him to sign and let him know about the payment after he left for bedbugs treatment. I need bank of America resolve this problem that i am a XXXX that he used to lived before he changed the address. i can proof with letter that he report that was lost. but its not he was lie to bank. Cheating on my with the checked.
I have a account that is over 90 days never been overdrawn but made Mobile deposit it does not state its going to be weeks for funds to be available I would say for a XXXX check from a rental company at least 24 to 48 hours but it should state that when making a mobile deposit I mobile deposit on XXXX XXXX in the afternoon I figured it would be available on XXXX XXXX or at least by the XXXX The money is still being held today is XXXX XXXX I tried talking with them and been told in the beginning that my branch placed ahold on it call my branch to get it removed I did go to my branch and basically treated like I was not intelligent and they dont have to do nothing I tried again through the XXXX XXXX number this is Key bank today I tried to get my funds again the Bank which the company uses stated that the check had been cleared on XXXX XXXX during my conversation today with Key bank Supervisor I was told it was fraud that placed a freeze on my deposit I now know why I was treated like a thief which I dont know how to do or ever would I am a single parent and do need my money to buy groceries and keep my electricity from being disconnected Definitely Extremely Hurt and Disappointed at Key Bank
I applied for a speedy cash loan which was {$350.00}. I paid by the money I owed which was {$1100.00} now speedy cash is telling me I have to pay and addittional {$470.00} and I have to pay the full amount or refinance with more fees which I dont have I have been paying {$99.00} every two weeks per pay check. Is their any way I can get around paying the extra {$470.00}? I would really appreciate your feedback thanks
Company XXXX XXXX XXXX keeps 'war dialing ' me from XXXX. I have submitted dozens of violation reports to the FTC 's 'Do Not Call ' list but still this company keeps calling me. I have never done business with them. I do not want to do business with them. I have no outstanding debt. They call multiple times a day at all hours of the day and night. Please help!!
This company charged off/sent my account to an attorney in XXXX of XXXX.. I received a letter from the attorney approx XXXX XXXX XXXX. I immediately called cash call because I was on a settlement plan and I made the XXXX XXXX payment the end of XXXX, I had to go back and forth with them for almost 2 weeks and submit proof pf payment etc ... finally on XXXX XXXX XXXX they claim that they got the account back from the attorney and I could start payments again. I got an email from them on XXXX XXXX at approx XXXX XXXX. This was XXXX. and It was a Saturday. I made the payment XXXX XXXX which was a Sunday and I thought we were starting payments from that point. I have been faithfully making payments ever month since then. I pay via money gram and I pay {$6.00}. In XXXX XXXX I happen to call and they said my account was charged off ... I said they was impossible and that was a mistake. I thought it was the same mistake from XXXX XXXX and that the rep was confused of they never fixed the mistake. So she said she saw the problem and it would be resolved ... I never heard anything since then I 've just been making payments every month. I pulled my credit report and it stated that the account was charged off ... I called because I was so shocked ... .Again I have been making payments faithfully every single month hoping to try to avoid charge off and bankruptcy only to find out this company has charged off my account off and I have been making payments faithfully ... They claim that when they talked to me on XXXX XXXX in the evening that I was told I had to make the payment that day ... Again this was Saturday and XXXX evening ... So they payment was made in less than 24 hrs and they are claiming that because of that the account was charged off ... remember they have been taking payments monthly and I have never received anything in writing stating the account was charged off ... They are taking advantage of me and paying games.. They are a predatory lender and I need some help please. They know that I have has some financial problems so they are taking advantage of me ... Please help I am so stressed out and do n't know what to do.Thank you XXXX
I sent my tax paperwork into credit adjustment on XX/XX/XXXX. I was told by the agent that I was clear of an offset and that he didnt see anything on my account. He said as long as I set up my first payment I was good. I set up my payments and made sure they took them out of my account each month. I filed my taxes XX/XX/XXXX. Im in a group on XXXX and saw that there is a number to call to check on offsets and I called it. Sure enough there was on offset with department of education. I called Department of Education & Credit Adjustments and was informed an offset was placed on my account XX/XX/XXXX. I filed a complaint against the agent for giving me false information. If he wouldve told me that I had an offset I wouldnt have filed my taxes until the offset was lifted. My complaint was resolved and the Department of Education proved my claimed was valid and that he did indeed give me false information. But, they were still moving on with collections and he was going to be talked to and go into training. This is ridiculous, I shouldnt still be penalized because of what the agents you hired told me.
In     XXXX    2017  and   XXXX      2017  I disputed an account by mail, that was reporting incorrectly. BOTH times I received a letter stating that the account in question was n't on the credit report. Ive called only to be told that the account number that was put on the dispute us wrong. It is my right as a consumer that if an account is inaccurately reporting to demand removal. I do n't understand how I can write the account number wrong that I received off of their website? Twice? The only resolution is that the account be deleted.
From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call
I have attached the narrative and references detailing this complaint along with many copies of our letters and responses from Webster Bank. I have more information - like proof of delivery - that I can provide upon request. 

Webster Bank, over the past 9 years, has refused to provide a chain of title regarding our mortgage, as well as refusing to supply us with accurate contact information for the owner. These are the subject of this complaint. 
Please note that in XXXX of 2014 - a letter from attorneys accompanying the service members relief and the notice itself do not mention the owner of the mortgage at all. 

Throughout the correspondence between us and the bank there are clearly other issues at play, including dual tracking, which was the subject of a previous complaint, and pyramid fees, refusal to provide cogent information about our payment records, abusive including calling us names, leaving strange hand-written notes on our door, and harassment that have caused distress and health issues. 

This bank clearly does n't understand the applicable laws in certain areas including the chain of title, subject of this complaint. 

If I have omitted any of the referenced correspondence please let me know and I will send it.
A collection agency, which I have never heard of or from, has reported negative information to the major credit reporting agencies and has lowered my credit score. 
How can a business do that without contacting the person they claim are owing the debt? 
The debt is from a payday loan company that I have never heard of so I am curious how I can be in collections for something I know nothing about. 
Imagine the surprise when I found this unpaid debt on my credit report just out of the blue. 
CFPB is asking for me to attach any supporting documents. How can I do that when I have n't heard from either party. haha
We filed for Bankruptcy in 2009 and our case was discharged as planned. However Experian has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : XXXX Days : XXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATETXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days : XXXX Days : XXXX Days : XXXX, XXXX, XXXX
Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.
RSI ENTERPRISES IS TRYING TO COLLECT XXXX DEBT FROM XXXX XXXX XXXX, THAT HAS A BALANCE OF XXXX THEY HAVE ENTERED XXXX SEPARTE COLLECTION REPORTS OF XXXX,XXXX,XXXX AS OWED ACCOUNTS. I HAVE A STATEMENT FROM XXXX XXXX SHOWING XXXX, THIS BALANCE IS FROM MY HEALTH INSURANCE COMPANY FAILURE TO PAY THEM.
My client has requested mortgage assistance from PHH Mortgage Services to allow for them to short sell their property. The property has been vacant for more than 10 months and the owners have an offer for the purchase. Due to the property condition the price is less than neighboring properties. PHH declined the sale offer because the offer did n't meet the net requirement for the investor but upon further discussion the negotiator for PHH mixed up the lien position of the short sale investor ( 1st trust getting full payoff ). She thought she was handling a 1st lien short sale so the rules she was applying were incorrect. Even after admitting her mistake she still has n't straightened on the issue. She claimed to send to the investor for approval 21 days ago and keeps stating the review is n't complete. Not only is the investor losing money, but my clients are still paying insurance on the property 9 months after vacating ( they ca n't afford to pay ), and the neighborhood is being affected by the dilapidated property sitting vacant. This has been going on with PHH since last XXXX and they have the same person working on the file that messed it up last XXXX. They either need to replace her on the case and escalate it to management for completion or intervene in the process to make sure the investor is actually deciioning the file
This past summer I signed up online for a credit card with Chase Marriott and I was supposed to get a XXXX point bonus that required {$4000.00} in spending. I spent over {$4500.00} within the next 3 months fulfilling the conditions. When i called to say i never got the points, Chase Marriott said that i signed up for a different promotion where i needed to spend {$5000.00} and would receive XXXX points. I would have been glad to get this promotion but its not what i saw or what i signed up for. I asked them for proof of my signature, but they said they dont have it.Obviously their computer system mistakenly shows that i had a different promotion and they are refusing to fix it. I wish i had taken a screenshot of the promotion.I suggest that others make sure to do this.
THIS ACOUNT SHOWED UNDER MY XXXX AND EQUIFAX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX XXXX  ,XX/XX/XXXX, {$17000.00}
Every time I deposit money in Scottrade, there is no telling when it will available. Sometimes it 's 3 days or XXXX maybe XXXX or XXXX ; they hold deposits for ransom. On the website it shows 2 or 3 days - bait and switch. I am going to close all accounts with Scottrade. The branch manager, XXXX XXXX, told me I should just use my other bank account that I transferred money from. Any bank I 've ever dealt with has a 3-day hold. This deposit was an ACH deposit from my other outside bank account. It 's not even a personal check ; it 's from one bank to Scottrade. I talked to XXXX different people at Scottrade and all XXXX had different answers from 3 days to 7 days. I called at XXXX in morning and I 'm still waiting for an answer XXXX hours later ; I 'm still waiting - maybe tomorrow, the money will be available. I made this deposit on XXXX/XXXX/13. On XXXX/XXXX/13, XXXX XXXX said that it should be available. This is a joke. Look on website ; it will show 2 or 3 days.
I am behind on my mortgage payments and am going through the short sale process. I have submitted all my paperwork to Wells Fargo and they are currently reviewing everything. I also have an offer on my home which I have submitted as well. I now have a foreclosure sale scheduled on XXXX/XXXX/16 and they are telling me they do n't know if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Thank you in advance for any help you can provide.