WillisBack/dataset-financial-user-claim huggingface dataset:
Signed up for a {$400.00} checking account signon bonus in XX/XX/XXXX. As of XX/XX/XXXX I have yet to see the bonus credited. From day 1 I should have realized banking with Citibank was a mistake as they took forever to put in my initial deposit which was in the online application, but somehow overlooked. A trip to the branch could n't even get the initial deposit completed and I had to personally call their XXXX number to get it done. Citibank also had very poor handling of new accounts created online and never sent out any confirmation of account opening. Now come XX/XX/XXXX and I 've been patiently waiting for their bonus which they say they will credit, but they keep sending the issue to research and it is yet unresolved. First they say they do n't have a XXXX form, which I filled out within two weeks of opening the account and handed personally to an account representative at their local branch. That means their online banking entity is completely separate from their branches or their system is so poor that they are n't in sync. I mailed another form in and after calling them they confirmed that they received it but still waiting for that bonus to be funded. A week goes by and now it is high priority researching status again. My experience with you shows you are unprofessional, unreliable, have poor communication, inefficient, and not trustworthy to do business with. No way do I want my money in your bank. Citibank you have totally lost me as a future customer.
I am receiving repeated calls from an entity on my caller ID displayed as Portfolio Recovery. No message is left. Each call comes from a different number, so call blocking is not effective. I have received no written communication from them. I have no outstanding debts or collection items whatsoever. Portfolio Recovery has many unfavorable complaints and comments on numerous Internet sites regarding their collection tactics, including complaints of attempting to collect debts from people who do not owe money. I am at a loss as to how to stop their calls.
Hi my name is XXXX XXXX XXXX, # the Following Crimes have happened to Me Financialy Losses # My 1st Report is = Transunion Credit report = this Transunion account shows a Criminal Acts, that were Theft & Fraud, Embezzlements, etc More. 
on the issues of = Loans, Advances, Lines of Credit, credit cards, etc made in my Name ID, CDL, SSN, Adress & Pictures and mayby more Not Telling  from Criminals were the Real Estate Targeted Places were Transacted for Crimes = IRS.gov property Tracers from Cyber or Phone # Transunion # XXXX XXXX XXXX, svcs web bank # XXXX,,, XXXX. XXXX XXXX, XXXX, tx XXXX XXXX credit limit = XXXX $ # balance = XXXX $ I know for a fact this computer was tampered with by the fraud & thefts accounts on my reports, plus it kept getting hacked into by cyberv criminals, I told the security, softwareof this and XXXX, I will report it to the cfpb, and all retaining docs, not saying I, m not paying but, what part do I pay at the end of your investigations help? date opened = XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I would like XXXX XXXX to help also in full with this issues please. 


2 # XXXX XXXX XXXX # XXXX,,, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX, XXXX,, creditor =XXXX XXXX XXXX {$640.00} $ Balance, =balance = due = XXXX $ very weird amount error?,, dates are wrong on opening, and closings = date updated on XXXX, XXXX # XXXX XXXX # XXXX,,, = XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ia, XXXX,, opened = XXXX/XXXX/XXXX ending date = XXXX/XXXX/XXXX,,, type unsecured credit XXXX XXXX, owing due = XXXX $ date closed = XXXX/XXXX/XXXX,,,, past due = XXXX $ XXXX. 


4 #, Attn this is all for my Transunion Reports # Financial Losses, Please Tell me who should I go to to Calculate Banking Loss $ Gas $ Time % $ Mental Anxiety, Wear Tear on Car Mileages Please,
I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( Chase Bank ) and their collection company XXXX funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.
I experienced discriminatory practices at the CarMax Dealership in XXXX XXXX, Illinois on Monday XXXX XXXX, 2015. I called the CarMax to inquire about a vehicle financing. I spoke with an agent by the name of XXXX. I am an attorney in the Illinois area and sought to purchase a vehicle from CarMax. I have very good credit noted to be in a range over XXXX. As such this would qualify my for some of the more competitive interest rates. When offered credit by the Carmax, I was told that I would only be eligible for a 13 % interest rate from available lenders. I have seen several other individuals with similar credit scores receiving much more competitive rates from the same establishment. I investigated the available rates for scores such as mine and found that they should not be offered above 3-4 % in my area. I was further told that if I added an additional down payment, I could lower my rate. Two days later I went to a reputable dealership and was given an interest rate of 2.2 % with the same credit score and a better quality vehicle. I certainly would not return to this chain in future. I have never been offered an interest rate so ridiculously high. Nor have I seen other individuals with similar scores offered such a thing. When I confronted the dealership about the offer, they blamed it on the lender. I see evidence of discrimination here and would like this investigated. I may also be pursing this issue legally with the Illinois Attorney General.
Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them.
On XX/XX/2018 I called Capital Accounts at ( XXXX ) XXXX to inquiry about a negative item on my credit report. I paid the debt and received a letter stating such. 

On XX/XX/2018, I called Capital Accounts because I wanted to know if and when they would contact the credit reporting agencies to report the debt as paid so the item would be removed by the agency. 

Before I was able to get a word in the representative said Yes Mr. XXXX I spoke with you yesterday and you want to set up a payment arrangement for the {$61.00} for XX/XX/2018 and that is something we will not do. 

Knowing the debt was satisfied I asked him if he wanted to review the account and then re address why I was calling. His response was I dont know. 

The representative was attempting to collect on a debt that was satisfied which is against the law and the representative refused to delve into my account in order to address my issue. 

I was transferred to a supervisor who told me his name was XXXX XXXX but instead of focusing the conversation around my complaint all the supervisor wanted to discuss was another account he had in his office for {$650.00}. I attempted to tell him that is not what I want to talk about but rather the incompetence of his collector but all he wanted to do was strong arm me into addressing an account that is not even with his agency. That account is with another agency and had already been set up on a pay plan. 

Capital Collections attempted to collect on two debts by making false statements and should be sanctioned accordingly.

After starting this complaint I called back to Capital Accounts as to inquire about the account number to associate with this complaint. A representative picked up the phone and addressed himself as Hello this is XXXX. I asked for an account number associated with an account that was satisfied and the collector said Mr. XXXX, please and proceeded to hang up on me. The company has refused to take any of my calls as to help me with my credit inquiries.
I made an international bank transfer from my XXXX bank ( XXXX XXXX ) to Coinbase Inc ( XXXX company ) for the sum of XXXX Euros on Sunday XXXX XXXX XXXX. My bank released the funds on XXXX XXXX ( due to the holidays ) and Coinbase should have credited my account within 24-48 hours. I have still not received this transfer and I contacted Coinbase support team ( online ) on Thursday XXXX XXXX XXXX and on XXXX XXXX XXXX to raise this issue but they have not responded at all to my requests. Their telephone support system was also not accessible. They did however gave me a case reference number # XXXX. 
If you can help to sort this matter out I would be very grateful. 
Many thanks
CommonWealth has been reporting false information on my credit reports. XXXX  is reporting false inforamtion provided by CommonWealth in regards to a bill they state I owe and has not provided me with any proof that this account belongs to me. reports have different information.

I sent off a letter for verifying a debt to CommonWealth Financial on XX/XX/2018 in regards to alleged debt. The company did not send proof of debt. After letter 2 was sent out XX/XX/2018 requesting proof the creditor has removed the information from XXXX  but has not removed the information from XXXX. CommonWealth continues to update debt on XXXX. No proof was provided by creditor. The creditor continuously reports this delinquent account on my XXXX credit report and has not proven it to be valid.
IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.
I am writing this on behalf of my wife of 55 years XXXX XXXX. 
Sometime in XX/XX/XXXX my wife saw some woman, XXXX XXXX XXXX, in XXXX, AZ who claims to be a physician. 
My wife has problems with hearing so I always go with her. We clearly and repeatedly stated that that we were there for the annual " wellness '' check-up which XXXX pays in full. 
We also asked for XXXX injections. The woman said XXXX did not pay for that, we had to pay ourselves. We know today that this is a lie, XXXX pays for that. My wife had XXXX, I was asked and paid {$25.00} for each. We have the receipts. The woman was also paid in full by XXXX. 

Fifteen months later, in XX/XX/XXXX, we received a letter from a " XXXX '' in XXXX, AZ demanding {$88.00} for XXXX XXXX XXXX and {$75.00} for himself. I went to that woman 's place and disputed that. She said I only needed pay {$88.00} to her. I left. Many months later, we received a letter from that woman claiming that my wife owed her {$160.00}. We ignored it. I reported the woman to the FTC and her partner in crime also to the FBI and FTC. I addition, I reported the woman to the Inspector General 's Office in the Federal Dept. of Health & Human Services. 

Five days ago, we had a look at our credit report. It says there that the " XXXX XXXX XXXX '' has posted in my wife 's credit report that she owned him {$160.00} and that she had paid. My wife has never owed money to that woman nor to that " XXXX XXXX XXXX '' and never ever paid any money to them. They can not prove that unless they have forged my wife signature in which case they will go to jail. That woman, XXXX XXXX XXXX, may have my wife 's signature, from XX/XX/XXXX. 
Please note, they posted that in my wife 's credit report sometime since XX/XX/XXXX as, we have a credit report from this Month which does not contain their entry. 
In the above context please allow me the question : is everyone allowed to go to XXXX and/or the other criminals and claim that someone else owes him money, without presenting any evidence? and even anonymously? 
We appreciate your help us we are both retirees and can not afford to pay a lawyer. 
Depending on their response to you, we are considering spending our last penny and get them to jail. After losing any professional license they may have. We will make the story public anyway. 
We able and willing to repeat the above in a court of law, under oath.
PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful
This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
On or about XX/XX/XXXX I went to XXXX XXXX to check out a XXXX XXXX XXXX that was advertised on XXXX for {$7700.00}. The car had only about 40k miles on it. Since I started to work in the XXXX XXXX XXXX and my current car had XXXX miles, I figured I can make the payment at that price with just my XXXX XXXX business. I started working as an XXXXXXXX XXXX as of XX/XX/XXXX because I was let go from my previous employer. I explained to the salesman at XXXX XXXX that I did not have a fixed job because but was doing XXXX XXXX. The salesman said that it was ok they can use your previous employer information, they ( assuming Ally financial ) never check, and these loans are always sold as a package deals along with other auto loans. I also said that I had XXXX I can put down from a XXXX XXXXXXXX credit card. At first the dealership wanted XXXX down of which I did not have. The salesman said that's the only way they could finance the deal. So I shook his hand and went on my way. This was a Sunday XX/XX/XXXX. 
The very next day Monday XX/XX/XXXX, the dealership salesman calls me and tells me that they can now do the deal with XXXX down. 
I was sceptic because I didn't have a full time job and I was barely making ends meet. I moved out of my home and rented it in XXXX. I figured I could make the monthly car payment because I could work more as an XXXX XXXX. 

The deals that XXXX XXXX made with Ally Financial is astonishing. They didn't verifying any information, only what had come up on my credit report. 

The dealership also fraudulently raised the advertised price from {$7700.00} to {$10000.00} knowing. I am speculating that the price had to be over 10k in order for the Ally to finance. I made a complaint to the Arizona Attorney General whom is still investigating this matter. It has been since XX/XX/XXXX that I submitted the complaint, but the dealership is failing to respond. 

This car should have never been sold to me because I didn't have the means to pay it at the time. But car dealships and finance companies are the biggest scammers of all. 

I would be in a better financial place, of I had not bought this car at the time I could not afford it.
I disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
In XXXX, upon checking my credit report, It came to my attention that a Synchrony Walmart Credit card was opened fraudulently in my name. I sent debt validation letters to both Synchrony and XXXX XXXX XXXX, and for a month it was either Synchrony saying they sold the account to XXXX   XXXX and that I should deal with them directly. 

I sent XXXX my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent Synchrony Bank a packet of information with supporting documents, and recently Synchrony Bank sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked XXXX for debt validation they sent me the attached letters. It just states that Synchrony sold the account to them and that was enough to establish its validity.
I have tried several times to get my title lien cleared so I can get a new title from Virginia DMV. 
I called Ditect Financial Customer Service Dept.XX/XX/XXXX to request the title be released from Greentree, which was the finance company that financed my motor cycle. Greentree merged with Ditect Financial. I was told a ticket was opened and they would get back to me on or before XX/XX/XXXX. No one ever got back to me.

I called again on XX/XX/XXXX and requested to talk to a manager. I was told that was not possible. I hung up and On XX/XX/XXXX sent a email to they complaint department. Received an email back stating that someone would get back to me in 3 to 5 days. No one has got back to me.
Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.
I was denied a modification on This home on XX/XX/XXXX According to the lender. However, prior to notice of decision to deny which came on XX/XX/XXXX, the lender had an appraiser call me to schedule an appraisal. I was called on XX/XX/XXXX. So they claim they denied me but still needed an appraisal after the fact??!? I am very confused by this. They denied me and then scheduled an appraisal at my expense. How is that fair or accurate. 

I do not think they considered all pertinent info prior to denying my modification. I appealed the decision and they are saying it was submitted to late however it was submitted 2 days after we received notice. They are not giving me time to rebut the misinformation. Nor are they allowing a fair disclosure times, when considering they sent me the denial after the allotted time to appeal.
The  XXXX   XXXX ,    2016  application for a  HAMP 2 loan was denied because Nationstar INCORRECTLY calculated my Gross Social Security Income, and refuses to acknowledge and correct this ERROR, and approved me for a HAMP 1 loan  at a considerably higher monthly payment with less favorable terms.     ( see attache d 2 pa ges )
I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.