WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I opened up a new account at Citi Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX branch. Citi had promotion through XX/XX/2018 that {$600.00} cash bonuses will be given for new customers who deposits {$50000.00} and maintain this balance for a month. The bank staff XXXX at this branch went through all the procedure and requested all the information from me. She confirmed she had everything needed for opening my account. 
On XX/XX/2018, I deposited {$50000.00} into the Citi checking account and since then always maintained {$50000.00} account balance. 
On XX/XX/2018, I received a phone call from Citi Bank customer service, claiming he wanted to obtain additional information regarding my salary and employer. I provided all the information to him. The customer representative in the end told us on the phone that my profile is now complete. 
I subsequently visited Citi Bank local branch in XXXX and spoke with XXXX, the branch manager. I wanted to make sure nothing was wrong with my account. She then called Citi customer service in front of me. With her assistance, we repeated the required personal information to Citi Bank customer service center and XXXX assured us they got 100 % everything. 
On XX/XX/2018, when I was expecting the {$600.00} cash bonus paid us XXXX, I received a letter from Citi Bank stating that my account was closed on XX/XX/2018, without any reason. They refunded me with the {$50000.00} check but failed to include the {$600.00} bonuses that I was eligible for. The date they closed my account was one month, the threshold for getting the cash bonus. It is clear that they intended to take my {$50000.00} saving with them for free for 30 days. This is commercial fraud and also breach of contract. 
I then contacted Citi Bank through phone calls and visits requesting for a reason since XXXX XXXX. They promised to investigate but I did not hear anything back from them. All they told me was : Citi Bank has a right to close customer 's account at any time- No reason was needed! This is shocking for banking industry. 
I wanted this matter to be given attention to and someone would investigate into Citi Bank. I do not know how many customers and consumers suffered financial harm because of Citi 's fraud and scheme!
Provide me with proof of precious payoff, releases and truth in lending statement or release the lien on my house
I began my full-time XXXX school program for my XXXX in late XXXX XX/XX/2009. All of my undergraduate loans except my NJ Class loans were automatically deferred due to me being a full-time student. When I called NJ Class to ask why they were still sending me bills, they said they would not automatically defer my loans and that I had to send them paperwork. I filled out the paperwork and sent it in. It took them until XXXX to actually put the deferral through. I did not pay in XXXX and XXXX XX/XX/2009 because I was a full-time student and did not have the money to pay. They marked my account delinquent, even though I sent them the paperwork to have my loans deferred. They must have taken forever to open up and process the paperwork I mailed in. They used to do the same thing to me when I mailed them checks. When I called them to work it out no one ever answered. If you do a search for NJ Class/XXXX on XXXX it becomes very clear there is something not right with their organization. 

I disputed this delinquency with XXXX I provided the necessary paperwork to prove I was a full-time student in XXXX and XXXX XX/XX/2009. They responded back that they checked with NJ Class and the delinquency was not an error. I do n't understand why they are taking NJ Class 's word for it when I have proof that I was a full-time student who was eligible for deferred status. 

If this delinquency is not removed, I will have a lower credit score than I should for two more years. I am in my XXXX and I would like to buy a home and start a family. I would also like to refinance my student loans. NJ Class 's error is going to keep costing me money in the form of higher interest rates on loans from my less-than-perfect credit score. This is the only delinquency in my credit report. I have other student loans and credit cards, and perfect payment records with all of them.
My mortgage was purchased by Shellpoint Mortgage Servicing in XXXX XXXX. At that point an " Escrow Analysis '' was done on my property, showing an Escrow Shortage of {$630.00}. The Escrow analysis stated that my payments, once the shortage was paid in full, would be {$1200.00}. Along with our mortgage payment, We sent Shellpoint XXXX separate checks from XXXX XXXX to XXXX XXXX in the amount of {$100.00}, to pay the escrow shortage. The checks were clearly marked in the memo as payment for escrow shortage, further identified on the payment voucher in the line item " extra escrow payment ''. 
Shellpoint did not apply the separate checks to Escrow shortage, instead misappropriating the funds to principal. Shellpoint is now requesting an additional {$400.00}. to " clear up the Escrow shortage '', and currently reporting to the credit bureau that we are 2 months late on our mortgage. 
We have paid our mortgage, and our shortage, and are now being subjected to false credit reporting because of inappropriate accounting practices. I have been denied prime lending rates on XXXX loans because of this false reporting. I am also receiving daily phone calls from the company attempting to collect a " debt '' owed to them. Acting upon advice from legal consul, I have sent Shellpoint a " Qualified Written Request, Billing Error Notice '' to dispute the claims. This letter was sent, Certified Mail through USPS, on XXXX/XXXX/XXXX.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
On my XX/XX/XXXX Cabela 's Club XXXX card, I misread the amount due and paid {$1600.00} instead of {$1600.00}. When I received my XX/XX/XXXX statement, I was charged {$1.00} finance charge for the XXXX cents not paid on the XX/XX/XXXX bill. I called Cabela 's Club XXXX at XXXX to complain and was informed they base their finance charges on the average yearly daily balance and not on the actual amount owed and not paid. I was successful in having the {$1.00} removed, but I ca n't imagine it being legal to charge interest on monies you do not owe. When I use this card I always pay in full immediately so this caught me quite by surprise. I ca n't imagine how many persons are being charged this exorbitant amount of interest and do not realize how their interest is being calculated. In my opinion, this is a huge consumer rip off and steps should be taken to ensure fair and reasonable finance charges are in place by this company.
On XX/XX/XXXX, I wrote to XXXX  to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit  card accounts. My credit report showed that I was late on my XXXX XXXX credit card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX, Equifax, and XXXX, both my XXXX XXXX accounts still showed me as being late on the dates listed above.
DEBT WAS SETTLED IN FULL ON XX/XX/2013. LETTER OF SETTLEMENT OBTAINED. 

Improper contact and sharing confidential information with people who are not affiliated with me in any business or financial or professional capacity. 

Threatening to take legal action and improperly contacting and sharing this threat with people who are affiliated with me in any business or financial or professional capacity. 

I had received NO prior written information OR phone messages prior to various friends and/or acquaintances with similar names contacting me with this information. 

XXXX XXXX XXXX Debt Collectors Employee XXXX XXXX illegally contacted people other than myself, slandered and lied about my financial obligations to people other than myself. 
XXXX XXXX XXXX Case # XXXX. 

When I advised her that I had already settled the debt and pointed out that she and her firm has broken several privacy laws, her response that was I had provide that letter AND be prepared to present the letter for many years to come as her firm would also be " bundling and selling '' this debt back to the market place. 

I told her I would be providing a copy of the Letter of Settlement to her and that it was only file with various credit reporting repositories. 

This firm needs to be severely reprimanded and fined for their actions. 

LETTER OF SETTLEMENT WILL BE ATTACHED TO THIS COMPLAINT, IF POSSIBLE.
One past due payment of {$27.00} dollars, on a store charge card, resulted in a credit score drop of over XXXX points. This essentially ruined my credit score and my ability to apply for loans of any type. It should not be that easy to affect ones credit score in a nation where credit is so important.
I disputed the negative reporting related to XXXX on my credit report. They updated it to show as paid ( {$0.00} balance ) but still show it as a serious delinquency due to paying late. This has negatively impacted my credit score. It took us a VERY long time and a lot of work to get a final bill with detailed charges from XXXX and once we finally did we paid it within a few days. It is the creditor 's responsibility to provide the consumer the information they need to understand if the charges are valid and since we did not receive this we do not want the late/delinquency reported on our record. Here is more background. I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. XX/XX/XXXX their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over XXXX minutes on the phone with XXXX and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. When they finally did send me the bill I paid it ( plus the collection fee ) in a very timely manner. However, I have a significant problem with XXXX not providing me the information to know whether the debt was valid and then reporting it as late/delinquency on my credit report. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
For approximately the last 5 years, Ocwen Mortgage Servicing has been making accounting and payment errors that have resulted in overpayments, overcharges, incorrect payments, and most recently a loss of coverage for my primary residence. I have XXXX accounts with Ocwen, and both accounts have been transposed, and misappropriated in the last 5 years. I have spent numerous hours trying to explain the errors. In XXXX case, it took two years before they admitted that they were overbilling me. Most recently, I spoke to a representative and explained that they did not make the premium payment for my primary residence policy and my coverage was cancelled as a result. The representative stated that she would correct the problem. I stated that I want to request termination of my escrow account due to the constant ineptitude and incompetence I have been experience over the last 5 years. I was given the contact information to start that process. I also stated that I should not be liable for any fees associated with the reinstatement of my account because I paid the escrow and it was Ocwen 's error and not mine. As of today, the situation has not been resolved. I fail to believe that a company that size can be so grossly incompetent, but I do believe that it has been a system of using incompetence as cover-up for manipulating funds so that Ocwen has more funds to receive interest from at the expense of it 's customers.This complaint is just another part of the struggle I am experiencing in my efforts to hold Ocwen responsible for their actions and handle the escrow payments myself.
I sold my home in XX/XX/2016 This account is closed and is not released of record yet. Per Guidelines, my mortgage lender has XXXX days to process and release of record. This is still posting negative reporting as a late payment and this home is no longer in my name and my lender got wired the funds at closing?! Please help me get this released of record.
I realized my bank had made XXXX payments for homeowner policy when they notified me that my escrow account was short and it resulted in increased monthly payments.
I have sent Experian requests to investigate and remove accounts from my credit report that do not belong to me and they are ignoring my requests.
I opened my XXXX checking account at the beginning of XX/XX/2018 with the promise of {$200.00} if I deposited {$1500.00} or more within 30 days and held a balance of at least {$1500.00} for 90 days thereafter. The {$200.00} was promised within 6-8 weeks after the conditions were met. 

On XX/XX/2018, as evidenced by my attached statement for XX/XX/2018, my balance reached {$1500.00} to satisfy the first condition of the promotional offer. 90 days from XX/XX/XXXX would be XX/XX/XXXX. 

My subsequent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements show that my balance never dropped below {$1500.00} by the time my statement in XX/XX/XXXX closed. It did, however, in mid-XX/XX/XXXX which what I think is causing the issue. 

After 8 weeks I inquired as to why I had not received the promotional offer yet. I was told by the representative, XXXX, that I did not meet the conditions for the bonus as my account balance dropped below {$1500.00} on XX/XX/XXXX. Turns out, he was just reading " XX/XX/XXXX '' as " XX/XX/XXXX '' and blamed it on the " small font. '' Convinced that I actually should have been awarded the bonus, he submitted a formal complaint to the marketing team and said I would be notified. 

Several weeks go by and silence from XXXX. I give them a call. The front line representative ( didn't get her name ) goes over what I was saying, and agrees that I should have been given the bonus. She then looks at my investigation and says that the marketing team denied my investigation request for the bonus. I ask why. She says that she couldn't tell because they " didn't take proper notes. '' She says that since it looked like my investigation should have been approved, she will try to get me the bonus, but she would have to submit an additional investigation, but she would personally reach out to me with whatever happens. 

Several weeks go by and silence. Since I can not seem to get a hold of someone who has both the ability to converse with me and make a decision in my investigation, I have been left with my only resort which is to follow through with a complaint.
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. OnXX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). 

XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt
I moved out of the house located at XXXX XXXX XXXX XXXX NY XX/XX/2010 and someone was using my name there for XXXX XXXX account. I spoke with XXXX and they told me if I provided proof they would remove the account. I mailed them the lease of my new address and this account was never removed and its affecting my credit
A company calling themselves XXXX XXXX XXXX contacted me about a very old credit card debt, long gone from my credit report, perhaps 9-12 years old. They said I was going to get served for court and face charges if I didn't pay. As it turns out they are trying to collect on the very same old debt another company just got me to pay off. I believe I have been scammed. Now this second company keeps calling my cellphone, my work phone and my mothers phone. They know my address and other information as well. A man who is calling himself " Investigator XXXX '' keeps calling me at work. Initially I did speak with him and he was telling me I Need to reverse the charges with the other company and submit payment to them instead. The first company, the one I did pay is calling themselves XXXX XXXX XXXX XXXX. I will be filing a report about them as well because they too appear to be using illegal tactics. 
I am going to see an attorney regarding both companies next week
I purchased a used car back in XX/XX/XXXX. I have paid every payment on time for the last XXXX years. Towards the end of my loan I noticed that TransUnion closed the account which dropped my credit score quite a bit. I submitted a disputed stating that my account was not close and it was still active. The next day it was deleted entirely. I contact my creditor and they assured me that they were bought out and once I keep making my payments it should report back on to my account. This happened in XXXX. I even contacted TransUnion to make sure theres nothing they needed on their end. They told me theres nothing they can do. My creditor has to make the changes. Its been 8 months and its still not fixed. I have since paid off my car and received the lean release. My creditor refuses to do anything because its a closed account and TransUnion refuses to do anything as well. I have submitted a complaint through XXXX and nothing has come of it. I am extremely upset and disappointed over this because this could boost my credit quite a bit.