WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a CitiGold checking account in XXXX 2016 with the promotion code : XXXX. This promo code gives XXXX AA miles when you have XXXX consecutive bill pays and {$1000.00} debit card purchases within 60 days of opening the account. When signing up, I ensured that the code went through into my account on the right-hand side before proceeding to open the account. 
After 60 days, I contacted Citibank regarding the status of my account and when I would receive my miles. They told me I had qualified for the promotion and that the miles would be applied to my account in XXXX 2016. When I logged in again in XXXX and inquired about the miles, they had told me they put a claim through. In XXXX, I heard nothing back from Citibank and inquired again. This time, the representative put through a claim and I received a response back stating that the promotion code was not applied to my account and I did not qualify for the promotion. 
Each time I spoke with a representative, I inquired about downgrading my account, but each representative said that they can not until the promotion value has been added to the account. Because of this, I continued to pay the $ 30 monthly fee for having a CitiGold account. None of the employees would allow me to downgrade the account because I had qualified for the promotion and was advised to keep it opened until everything was settled and cleared. 
I was told by two representatives that the promotion code was on my account and that I had qualified, and told by another representative that they could not see the promotion code and that they are unable to give me the points. If one representative was able to see the promotion code, why were the other representatives unable to see it too? 
It is not XXXX going into XXXX and my XXXX AA Miles have still not been credited into the account.
I am in a short-sale with Bank of America. It mislead me, then lied to me, and now refuses to honor its word. I was approved for the short-sale Im in in early XX/XX/XXXX. BOA states " Further research shows that on XX/XX/2016, we initiated a short sale review. This particular program does not require an offer for the sale of the property be submitted at the time of application. As of that date an offer had not been received. On XX/XX/2016, you contacted us and informed us that you had XXXX prospective offers. You were advised that we would close the review and reopen a new review to accommodate the offers. '' That does not make sense. Why close the current program if an offer for sale does not need to be submitted in the application per BOA compliance person XXXX? This is what BOA used to start swindling me out of the $ XXXX relocation assistance, which is now has down to {$2500.00}. Then, I was told things by the multiple representatives that certain things were the case AND notated, yet compliance found none of those notes. This is the result of a previous investigation by the CFPB.
Received XXXX messages. Both messages were the same. The first was from " XXXX '' the second was from " XXXX '' " this is XXXX at XXXX with the litigation support services. You have a pending case in our office that requires your immediate attention it is imperative that I speak with you or your attorney of record immediately today my number is XXXX XXXX XXXX if I do not hear from you or your attorney of record I will document that you waive your right to counsel and submit your case covering yourself accordingly '' I called them and they said they put a warrant out for my arrest in my county. They knew the last XXXX of my social security number. I told them to hold while I got my attorney on the line ( a fake stement ) and they hung up.
XXXX XXXX XXXX purchased XXXX XXXX in 2017.  Prior to XXXX XXXX XXXXXXXXs purchase, XXXX XXXX were serviced by XXXX XXXX XXXX and there was a dedicated website to see an actual amortization schedule and payments made to the mortgage on a monthly basis over differing periods (based on a drop down menu selection) which clearly stated the principal and interest breakdown of the payment, any additional principal paid and escrow etc..  In the months since the acquisition, TD Bank is woefully unprepared to service mortgage accounts, and at a very basic minimum does not  provide a simple breakdown of my monthly mortgage payment such as how much of my monthly payment was applied to principal and how much to interest.  They will not provide online statements unless you have opened a checking account. If you require a statement from a previous month, TD Bank requires you go to a branch to request.   This is simply unacceptable mortgage servicing.  There should be no excuse for not providing a customer a detailed allocation of their mortgage payment.   This is  basic mortgage service expectation.
The original creditor was XXXX XXXX XXXX XXXX XXXX apartments. My husband and I moved in XX/XX/XXXX. We were evicted XX/XX/XXXX. The apartment complex " SOLD '' the contract to PROCOLLECT INC. they are reporting on all three credit reports that we owe a balance of {$5400.00}. This was placed in collection XX/XX/XXXX. We have sent out letters for them to validate this debt. However, they sent us a copy of the contract and another statement with the amount owed to them. They doubled the amount. We have reached out to them many times regarding this issue .... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,. We sent out several letters to which we have no response. We need this debt removed from the credit bureaus as soon as possible. They are making it hard to apply for credit and to move forward within our lives. This debt has so many unaccuracies. Please help us! PROCOLLECT INC is a SCAM!!!!!!!!!!!
On XXXX XXXX, 2016 I submitted an application for loan modification through my mortgage company OCWEN. I owe more on my house, so I ca n't sell it. Plus, I pay about {$300.00} out of pocket because my rental income does n't cover the mortgage. I sent every required document that 's listed on a checklist that comes with the application. Initially, they needed an additional few documents, so I sent them. Then the next week, they needed something else and was a different person ( I have never spoken with my so-called " relationship manager '' ) ; it 's always someone else that I ca n't understand and that knows nothing about my case. Then the next week and so on. Never at any point in time have they spoken with me about my application or have been organized enough to tell me everything they were missing at one time so I could provide them with what they need. Another example is that they required my banking statements to be within 90 days of the application. Mine were valid, but they expired because OCWEN continued to " need additional documents ''. Today, they said that they needed rental income verification, which is a tax document and that amount is listed on the tax return. The caller on the OCWEN end had no clue what I was talking about. It 's as if they do NOT want to help me. Am I even talking to people in the banking business? My private information is out there ( and my husband 's ) and I 'm terrified. I am just trying to make a tough situation better and I want to document this somewhere in case they try to make me foreclose ( i 'm making my payments ). As a consumer, I have no control over anything and OCWEN knows this. I am at the mercy of this company that has been in trouble for their dishonesty once already.
Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
I have a checking/savings account with Citibank, among other Citi services. I originally had a product called Ultimate Savings Account with the accompanying checking account and had these accounts for nine years. With these accounts I received free ATM reimbursements, free wire, ACH transfers. It was a fee free checking account. Appx a year ago I was bumped, without my consent, into Citigold, Citi 's premium tier for high deposit amounts. I did n't want this service as it required me to maintain a high balance with Citi at essentially no/nominal interest. When I called Citi to tell them I wanted the account products I had for years back, they moved me to the Citibank Account Package product which still requires a {$10000.00} min balance. I recently found out this is totally different than my original services. I have been charged several ATM fees. I was recently charged {$15.00} to wire a {$25000.00} *intoXXXX my Citibank checking account. This is completely abusive and I never agreed to these terms. In total I have been charged {$55.00} in fees which should have never applied with {$4.00} ATM fees and a {$15.00} wire transfer fee in the last week. I have contacted Citibank, but, of course, their customer service has not done anything to rectify this situation. 

This seems to be a systemic issue in which XXXXiti moves their high balance customers into Citigold, without their consent ( I never signed or approved anything ) which allows Citi to essentially trap customers into allowing Citi to hold substantial amounts of funds at no/nominal interest. If you tell Citi you do not want this service, they put you into a check product that has a fee for every action ( and amazingly still requires a {$10000.00} balance ).
On X/XX/2017 I contacted the Transunion credit bureau, about some inquires on my credit report that I did not authorize. They would not help me, they gave me the run around, and would not give me any solution to these unauthorized inquires.
Second Complaint Against Debt Collector for separate issue. Debt Collector continues to engage in unfair practices prohibited under both the FDCPA and and CFDCPA. Debt collector is unwilling or unable to provide all requested and required validation items that I as a consumer am entitled to under State and Federal law. Debt collector is unwilling or unable to verify that they are entitled to collect supposed debt by original creditor and is attempting to charge interest on supposed debt without providing requested documentation that they are entitled to do so as required under Federal and State Law. Company has refused to identify their company 's agent of service and is unwilling or unable to produce documentation where I agreed to pay supposed debt or to pay interest on supposed debt. Company has previously willfully denied attempted communication via regular and certified mail and over the phone and has now refused to provide requested validation documentation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / Equifax / XXXX XXXX/XXXX/XXXX RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Netspend put my tax refund on a card. When I used it at XXXX store to buy a XXXX ticket, Netspend blocked the card from me using it claiming possible Fraud, What resulted was months and months and months and money spent at XXXX XXXX trying to jump through every hoop to prove I was owner of the card and that no fraud had occurred by emailing, calling, faxing THAT RESULTED IN THEM KEEPING ALL MY MONEY .... IN THE END, THEY SAID THEY RETURNED IT TO THE IRS ... but the IRS says they have no such return. The amount was approx. {$1800.00} ... but since we lost our apartment, my car, our marriage, our children 's respect, and my job due to the time, energy, effort, and resulting medical diagnosis of XXXX, I really can not put a dollar amount on the devastation this company has caused me. I want this company to be held responsible for knowingly practicing acts of dishonesty, setting up help call lines answered by individuals who lie saying they are located in Texas and are not, and do not ever intend on helping the customer. I have documentation of every call, up to XXXX minutes each time, and want to be reimbursed my tax refund and an additional amount to compensate me for the physical, psychological, and financial damage this company has caused me. Thank you.
CapitalOne froze my account for potential fraudulent activity. After sending the requested documentation they still insist on not resolving my issue. If the end result is to close the account and terminate the relationship then let 's do that but to have our funds frozen and prevent us from operating is not right.
It all started on XXXX XXXX, 2015, I have my payroll check deposit on my prepaid card, i check my balance on my card and it was well over {$300.00} dollars so I went into XXXX and pick up some lunch and to my surprise I could not use my card. I tried XXXX and it would not go through so I went outside to call and see what the problem was and they could not find anything wrong. It took two days for them to tell me that Comerica had my account block because I owe the over {$600.00} dollars, I ask them to cancel my card because I have not been to Comerica in over thirty years, They would not cancel the card so I cancelled my direct deposit for my check and the card is still open and they will not give me my balance that remains and all of the bills I use to pay this card with I had to change them but they are telling the bill people the card is over charged but I ca n't even use this card anymore.
See attachment XXXX for a copy of my XXXX XXXX, XXXX Information Requests. See attachment XXXX for a copy of M & T Bank response letter dated XXXX XXXX, XXXX. 

The following complaints are in reference to the M & T Bank response letter dated XXXX XXXX, XXXX to my XXXX XXXX, XXXX Information Requests, by paragraph number : 1. M & T Bank makes a one day distinction between when they acknowledge delivery through the mail and when correspondence is considered " received for review. '' 2. There is no trust identified as XXXX XXXX filed with the SEC. 
3. M & T Bank failed to identify the investor, as requested, to which the Investor ID referred. 
4. On XXXX XXXX, XXXX, M & T Bank sent me a payment history from XXXX XXXX indicating that my loan had a balance of {$0.00} on XXXX/XXXX/XXXX. M & T Bank now represents that XXXX XXXX was not servicing my loan at that time. M & T Bank has failed to provide an accounting, as requested, of when and how my loan balance increased from {$0.00}. 
5. M & T Bank failed to identify who made material alterations to the security instrument and why it was necessary to record the altered security instrument after the original security instrument had already been recorded. 
6. M & T Bank continues to not answer my corresponding request. This will be my fourth request. I need to know the dollar amount that M & T bank has paid to any entities from the principal and interest payments that I have paid to M & T Bank. 
7. I asked if XXXX XXXX was an agent of the lender when Property Inspections were made at my residence. M & T Bank 's response did not answer my question, unless they are now representing that M & T Bank was the lender at those times. 
8. M & T Bank failed to provide document references for items that they identified as " other defaults. '' 9. My question was only about Servicers for my loan. M & T Bank did not answer my question, but instead responded with references to Master Servicers. I still need a accounting of the payment history from the Servicers previously identified by M & T Bank as the Servicers of my loan. I also need to know if my loan was in default on the date that XXXX XXXX XXXX started servicing it. 
10. I asked a question about lender ( s ). M & T Bank responded with a statement about a Servicer. 
11. I asked a question about whether my loan was in default on the date M & T Bank started to service it. M & T Bank failed to address the " default '' question. 
12. M & T Bank failed to provide me with a copy of their initial communication to me concerning a debt. They also failed to identify the current and initial creditor on the debt. 

M & T Bank has failed to provide me with a chronologically consecutive payment history for my loan. There are at least XXXX gaps in the payment history records that M & T Bank has provided me. Those gaps make the mathematical accuracy of all calculations subsequent to those gaps indeterminate.
XX/XX/2018 I spoke with XXXX XXXXXXXX XXXX and resolved that an account they was reporting on my credit report was not mine XXXX XXXX XXXX concluded in there investigation the account was opened fruadulantly and removed there account from my credit reports, I contacted XXXX XXXX as directed by XXXX XXXX XXXX and the phone receptionist assured me the account listed by them would be deleted within 72hours and still they're reporting negative inaccurate data on my credit report causing me to be denied credit and employment in my field of work, I sent direct dispute letters with no response. XXXX XXXX is knowingly and willfully reporting inaccurate incorrect information about this account that does not belong to me. The account reporting is incorrect in their files according to the receptionist it doesn't exist.
I contacted this agency through mail with written notice asking them to verify that this account belongs to me either with a copy of my ID, a signature, or a copy of my social security card. This agency responded by sending me 3 letters asking me to send my request in writing but I already did that. This issue is stopping me from living life to my fullest potential and i need action taken as soon as possible.
i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.
Today  XXXX / XXXX /  XXXX  , I tried to contact the compa ny US  Bank to settle all the charges in my account, do not agred with all the interest charges they charge me twice on the same day, have me in collections for late fees, when been making my payments on time.     Any help, I appreciated it. Thanks.      XXXX   XXXX .
A 40 year old mortgage has not been satisfied in the Recorder of Deeds office. 
The lender asked for a title search and copy of the mortgage to be mailed to them. 
After over 3 weeks the lender states that they have not received the request
My social security number, credit card numbers and personal information were breached in the 2017 Equifax breach that was the result of negligent security practices by Equifax.
I sent a letter to XXXX XXXX XXXX regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to XXXX XXXX XXXX back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my Experian credit report immediately.
XXXX Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX XXXX CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.
I bank with Wells Fargo and they charge {$12.00} for ISF. However, I have overdraft protection! Last time they did it was on XX/XX/2018. Isn't this the point of the protection? .To avoid this fee? 

In addition, they take MORE money that is needed. 

out of the savings acct to make the checking acct have a positive balance, then charge you. I called to resolve and they said, '' well normally we would charge you {$35.00} vs. 

{$12.00} to transfer funds if you didn't have this protection. ' '' Please advise. Thanks ...
I sent Transunion proof of big error on my credit report. I sent the papers and started three cases as they refuse to help me I have kept all deocumentation of the reports with them finding no fault even when sent proof. Ive called them numerous times also asking them how can they find all information correct when I sent proof. They informed me they dont have to take off wrong things off my credit if they dont wish to.