WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXX the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.
Annual fee charged after AMEX representative promised refund. American Express charged my card an annual fee on XXXX XXXX, 2017. I called them on XXXX XXXX, 2017 at XXXX to cancel the card, within their grace period for refund on cancellation. When I spoke to the representative I requested to cancel my card and requested refund for the annual fee. During the call the representative suggested I leave the card open due to a pending trip booked using the companion certificate issued by AMEX and Delta Airlines. The representative said their refund policy is lenient and suggested I call back after the trip. On the call I confirmed annual fee would be refunded if I called after the trip at XX/XX/XXXX. When I called after the trip to request a refund I was told they needed to review the original call before they honor the refund. I was told a manger would review the call and contact me within a week, I did n't not receive a call. In the mean time I was charged interest and late fees. I called back 3 times after and got the same response, " a manager will review the call and get back to you within a week ''. On XXXX XXXX, 2017, I was told there is no record of my call. I was able to review my phone records and pinpoint the date of the original call on XXXX XXXX, 2017. I would have cancelled on XX/XX/XXXX for a full refund if not suggested by the representative. Since the call was recorded for minoring and training purpose they should be able to review the call. Especially since in my subsequent call I was told a manger will review the call and contact me. But after many attempts I have n't received a call back. I ended up paying the interest and annual fee to avoid further interest and late charges. I believe if an agent of the company suggested to delay the cancellation and will be refunded later, the company should honor word of their agent. I will create a page on XXXX to make other consumers aware of their action. I hope CFPB is able to request AMEX to review the call and listen to the conversation and honor the what was discussed.
This is in response to the Citibanks letter dated  XX/XX/XXXX  to my complaint #  XXXX .
The Citibank has completely ignored my statement, I never participated in any promotion that offered 10 times the interest. in my complaint.
If the Citibank insists on its conclusions that I participated in the 10 times the interest promotion and not the {$500.00} bonus, where is the proof? Is my reading something over the phone sufficient proof that I participated in a promotion without knowing details? Did I also waive my rights to receive the Promotion Disclosure Letter? I do not believe so. Why Citibank avoided sending me the proof for its findings?
On  XX/XX/XXXX  at   XXXX   XXXX   EST, I called   XXXX   and spoke with a Personal Banker called   XXXX   regarding the bonus {$500.00}. She assured me that I met all requirements to receive the {$500.00} bonus and the {$500.00} will be deposited in my account on  XX/XX/XXXX . When I asked for the confirmation of the {$500.00} deposit in writing, she said that it was unnecessary. I spoke with her supervisor called  XXXX . The supervisor promised to send the confirmation to my home address as she was unable to send me any email. She also told me that she was going to make a special notation in my account to deposit the {$500.00} bonus on  XX/XX/XXXX . I am still waiting for the mail and also no one in Citibank can locate either   XXXX   or the supervisor. If they were allowed to provide their full names, phone number, email and their IDs, I may be able to contact them directly. I was told that the policy of Citibank prohibits them to reveal their full name etc.
On  XX/XX/XXXX  I made an online inquiry at the Citibanks secured web site regarding the {$500.00} bonus. The Citibank sent me a response letter in the US mail stating that I participated in a promotion called  XXXX  and my account was deposited {$33.00} on  XX/XX/XXXX . I do not understand why this promotion number is different from promotion  XXXX  found in the recent Citibanks response letter. Why I was under    XXXX    promotions? If they are the same, then why didnt the bank disclose this information when I opened the account? I never participated in any of those promotions. If any one of them is a targeted promotion, then Citibank may have sent an email or an invitation in the US mail with the Citibanks Promotion Disclosure Letter. But I never received the Promotion Disclosure Letter. Also, why didnt the Citibank send me the Promotion Disclosure Letter with its email dated  XX/XX/XXXX  notifying the transfer of {$25000.00} to the new account?
If I had received the Citibanks Promotion Disclosure Letter when I opened the new account, I would have never opened the account or sent the {$25000.00} to sit there for 90 days to earn {$33.00}. The Citibank also failed to disclose the fact that how much money one has to deposit in a saving account and keep it there for 90 continuous days to receive the maximum {$500.00} under the 10 times Interest promotion.
Because Citibank failed to disclosure promotion details, I expect the bank to deposit the {$500.00} in my account now with any earned interest.
I canceled my account with XXXXXXXX in XX/XX/XXXX( at the request of XXXX ) because I was doing long term work in XXXX, Ak. XXXX advised me that they did not service Alaska and the roaming would be too high for them so I complied and canceled my phone service ( 2 lines ). I changed cell phone companies ( at the request of XXXX ) but XXXX continued service and billing on one of the phone lines that I canceled. So, I followed up with a call to XXXX customer service in XX/XX/XXXX to ensure they cancelled both unused lines and I would not be getting billed for them. The representative at the time informed me that 1 line was still active but assured me she would cancel and take care of all lines and charges. In XX/XX/XXXX, I recieved another bill, I called and went through the same process with XXXX customer care. Again, the representative confirmed in my account notes that the lines should have been canceled. The matter was not resolved until XX/XX/XXXX when I recieved another bill for the unused second line of the account that had been closed for over a year. Again I called and spent 1 hour +23 minutes on the phone with XXXX customer service and their manager XXXX while they poured over their notes and finally apologized for the inconvienience and reversed the charges and ensured the account was closed. In XX/XX/XXXX I recieved yet another bill! This time for {$43.00} for an account set up fee. Obviously, I don't have an account so I clearly did not authorize any fees. I contacted XXXX today via live chat to contest the false charges. The online representative XXXX XXXX was unable to help me because she showed the account in fact closed but with a new set up fee. She told me to call customer service so they could help me. I have been extremely diligent in trying to resolve the inacurate billing XXXX has charged me. At this point, I feel like they are intentionally adding fees and continued unauthorized billing in a predatory manner. It is my assertion that XXXX is trying to extract money from customers who don't have to time or resources to contest false billing. Please investigate XXXX 's billing practices. Furthermore, since XX/XX/XXXX XXXX forwarded this nonsense to a collection agency. XXXX XXXX. I went through several step with them as well as the 3 collection agencies and resolved the issue with all parties except Equifax. Equifax continues to report this false charge and their customer service representatives are very difficult to communicate with. Also, 3 of the 5 times I called Equifax  through this nightmare, they couldn't help me because their system was down.
TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
My credit was ran without permission nor was I told. These are unauthorized and I have been fighting with them and credit companies, XXXX is the only one that removed information. I have been fighting this since last summer 2017 and also the cable company ran my credit and was told that it would be a soft hit and that is not the case.
Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.
I had my loan with Citimortgage for many years and never missed a payment of was late. We have a XXXX XXXX loan 30 year fixed 5 % and when the rates went down I applied through Citimortgage for a refi. We were told no income varification or appraisal would be required and it was to have no fees charged. It would have saved us quite alot of money in monthly payments and over the life of the loan. As the refi was being processed Citimortgage sold our mortgage to XXXX now XXXX and which I learned only as the Citmortgage refi broker was looking at our account and watched it disappear off the screen. He filed a complaint with his supervisor that we were in the middle of the refi process and his complaint was denied. Now we are with XXXX, have not had the opportunity to refi as they say they can not honor the Citimortgage deal, and the services is atrocious. We do not want to do business with them and have had no choice. How is this possible that the consumer can not chose who they do business with on the most major purchase of their entire life, the mortgage of their home!!??? Outrageous.
XXXX XXXX ( Bank ), formerly known as XXXX XXXX XXXX XXXX Bank, has failed to provide important documents of an account they have sold to XXXX XXXX XXXX on my behalf. I am disputing this with XXXX XXXX XXXX and they do not have any sufficient documents to prove the balance of debt that you sold to them. 

I am requesting that copies of all documents that belong to this account including : Signed Credit Application/ Contract Copy of Identification Used to open account All bank mailed letters concerning selling of account Copies ALL statements from opening of account Details of Purchases that amount to balance owed Copy of letter of Sale of Debt to Portfolio Copies of all bank letters mailed on behalf of this account ( Ref No. : XXXX Complaint XX/XX/2017 ) I have requested from XXXX XXXX XXXX that this account be removed from my credit report. They said you sold the debt to them. I hope this is not FRAUD by you bank going on. Please send me these documents ASAP and no later than 30 days required by law.
Beginning of XXXX 2016, i receive a credit from a company called XXXX in the amount of XXXX and my bank that i bank with, which is bank of america did not credit my refund from the merchant into my new bank of america credit card, I tried to explain to bank of america. But there was little that I could do about this. I filed a clain. And once i filed a claim bank of america supposed to credit the money to my credit card, then complete the investigation or untill the investigation is over, because not only bank of america misinforming me, they are also not wanting to give me my money. It has been one week and 5 days since the merchant credit my account.
On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.
Disputed inaccurate bankruptcy information and Experian refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks
I have several hospital bills that went to West Asset Management so that they can collect from XXXX XXXX center. I have made payments straight to XXXX center every month, never missed a month of a sort of payment. West management contacted me in XXXX trying to get me to give them my bank information so that they can deduct monthly payments automatically. I denied only for the simple fact why provide that information when I 'm already voluntarily paying XXXX faithfully. The rep stated that the only other way it wo n't go on my credit is if I agree to pay the monthly minimum of {$25.00} a month for each bill which will consist of {$75.00}. I agreed to pay that which I did. Well come to find out they lied and still reported it to my credit.
I was denied access to my funds at the Chase branch located at XXXX XXXX XXXX XXXX, NY XXXX. I was a victim of profiling and discrimination at this location and forced to use another Chase branch to conduct my transaction. This event has caused me a lot of pain and suffering and will be considering legal action.
Escrow Not paying!!!! On XX/XX/XXXX, I sent a secure message to Round Point Mortgage Servicing using their website. When we purchased our home in XXXX, It was actually two parcels that by contract was suppose to be combined into one parcel. However, The county where we live only combines parcels once a year in XXXX. When you paid they tax bill in XXXX, it was not combined yet by the county and only one parcel tax was paid out of escrow. This caused another issue. In XXXX when they went to combine the parcels, they could not do so since one had not been paid. They do not combine parcels when one has a balance due. I called an spoke to a woman at the XXXX County Tax office by the Name of XXXX and she stated that until that amount is paid, that their policy is that it can not be combined. She stated they would speak to Round point Mortgage if they needed more information on this or any other info on the bill that needs to be paid. The number to the XXXX County Tax Office is ( XXXX ) XXXX. Sale Date XX/XX/XXXX Certificate # XXXX Certificate Holder XXXX Interest Rate 12.75 % Original Amount {$210.00} Interest Amount {$10.00} Fees {$6.00} UnPaid Balance {$230.00}XX/XX/XXXX XXXX I also sent messages on XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two onXX/XX/XXXX concerning this matter. ALSO, Now I have learned that my HOMEOWNERS INSURANCE has LAPSED as well!!!!! The payment was not made. I sent secure messages about this matter as well on XX/XX/XXXX. I have NOT RECEIVED any response other than automated stating my message was received. I have also called several times and spoken to various reps. Being told they would look into it and call me back and have this taken care of. No one has done so! I have contacted our lawyer, XXXX XXXX of XXXX XXXX and have made an appointment to speak to her further concerning these two matters and will have her do what is necessary to remedy these issues. WHAT I NEED : 1. tax bill paid for the previous year for parcel not paid and both paid from here on out. 2. The homeowners insurance paid and restored and paid on time from this day forward. 3. Someone to actually contact me back if i have an issue!
Requested PMI removal form from Mortgage company on XX/XX/XXXX. They said they would send me the form to drop PMI, it has been 3 weeks, multiple contacts and I still have not received the form in the mail. 

They refuse to EMAIL me this blank template while constantly telling me they " Mailed it '' yet can not show proof. It is not in my mailbox still after 3 weeks.
i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.
We did a Modifacation with Wells Fargo Mortgage They want {$2500.00} a month for at least 6 months to get caught up on payments, We said that was way to much, We offered {$1600.00} but they do n't respond they plan on foreclosing this month if we do n't Pay {$2500.00} we have contacted many Gov .websites they said to contact you? Thank You XXXX XXXX .. Ph. XX/XX/XXXX
I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX. 
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact PayPal, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did. 
Ive never received any correspondence from PayPal or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.
This company Harvard Collection has called numerous times. They are asking for someone who does not reside here now or ever! We have had this phone number 4 plus years and my wife and I are the only people here. 

I have asked nicely for the calling to stop, and to remove our number. I was told two phone calls ago the number will be removed. I see that is not happening. 

Please have them stop, thank you.
I attended classes at XXXX during the fall of 2014. I had asked to be dropped from my online classes due to issues with the courses. I am now being contacted by National Credit Management with threatening calls for a XXXX debt they say I owe. I have asked for verification of the debt 3 times to mailed to me and have not received it. They have left threatening messages and hang up on me when they call. They are threatening my credit.
I sent letters to XXXX and XXXX on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. Equifax is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX
XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.
I disputed a {$290.00} charge from XXXX XXXX with AMEX twice ( Ref Nos : XXXX and XXXX ) but AMEX never understood my questions. Here is the situation : we are XXXX XXXX card holders and we stayed at XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. Upon checking in, we provided our credit card for possible incidental charges and requested if an upgrade is available. We were given the upgrade and we know, as a benefit of XXXX card owner, the upgrade is free if available. Obviously, it is available. When checking out, no one asked us to sign any credit card slip. We found out later we were charged {$290.00} for the requested upgrade so we disputed the charge. So far, no one from AMEX even address our real concerns : 1 ) why were we charged for the available upgrade when it is part of the benefit ; and 2 ) we never authorized such charges and we never signed the credit card slip for this charge. I am hoping to get some answers since in those two disputes I mentioned, XXXX XXXX simply presented some internal record and a copy of UNSIGNED credit card slip. I hope AMEX can finally understand my questions and address them directly.