WillisBack/dataset-financial-user-claim huggingface dataset:
I was mailed a promotional offer by Citibank for a Citi / AAdvantage Platinum Select Master Card which included an offer for XXXX American Airline bonus miles after making {$3000.00} in purchases in the 1st 3 months. I met the purchase requirement, and contacted Citi to ask about the status of the miles. I was told that I do n't qualify for the promotion since I had the same credit card in the past 24 months. I knew there was a restriction on opening and closing cards to keep people from taking unfair advantage of the offer, and it used to be 12 month. It had been 14 months since I last had a similar account with Citi. However, Citi was mailing these promotional offers every few weeks, so I called the Application Line to find out if I qualified. I specifically asked the agent if I qualified for the XXXX mile promotion, and assumed she had access to my account history to confirm eligibility. The agent confirmed that I qualified for the XXXX mile promotion, and that I would receive the miles as soon as I met the purchase requirement. There is no question that the Application Agent told me that I qualified for the promotion. I never would have signed up for the credit card if I had n't been guaranteed the bonus. Today, Citi customer service said that it does n't matter what the agent did or did n't say. They will not give me the frequent flyer miles even if the agent promised them. They agreed to go back and listen to the application recording, but stated that it wo n't matter because at the end of the call the agent would have read a disclaimer that overrides any promises made during the call. I understood the disclaimer, which is why I asked if I was eligible for the promotion. I did n't remember exactly how long it had been since I had been a previous Citi customer, so I had no way of knowing whether or not I was eligible. I relied on the Application Agent to tell me - and she said " yes ''. I 'm not an expert on laws governing over-the-phone financial applications, but at a minimum I think Citi is obligated to fulfill the commitments made by their employees. This appears to be a very deceptive practice, with similarities to what XXXX XXXX has been doing to their clients. While there is no cash value associated with these miles, XXXX airline miles could be used for XXXX domestic tickets which could cost {$500.00} or more each.
Select Portfolio Services claims in their response to my complaint XXXX that XXXX made a " Protective Advance '' when they paid off XXXX XXXX. What were they protecting? I was not under threat of foreclosure from XXXX. 
Also, where in my mortgage document with XXXX XXXX ( the original mortgage holder ) does it even mention " protective advances '' or anything like them? 
No matter what SPS tries to call it, it was a cash out refinance, entitling me to both disclosures of disbursement of funds and the right of recision.
I received notice from XXXX XXXX of a fraudulent credit application based upon data provided by Experian. I tired to freeze my credit report and they will only freeze my account based upon a cumbersome certified mail process. The will however lock the account for a substantial monthly fee.
For this entire month so far, Financial Accounts Service Team of XXXX XXXX XXXX In XXXX, TN, XXXX, has been calling me. I searched the number and company, and found that there have been 10 complaints filed against them with the XXXX XXXX XXXX, 7 of which have been in the last 12 months. I am not sure at this point if they re actually am legitimate business or a scam. So I proceeded with caution when I returned the first call. The person who answered asked if I was the person they were trying to reach. I refused to say yes or no because I thought they might be trying to get me to do so in order to record it and use it, and I told her so. So we got no farther. I told her to stop calling the number or I would report them to the Federal Trade Commission, which I have done. Her response? " That doesn't work on debt collectors, ma'am. '' I have continued to receive calls from them despite telling them not to call me anymore. They continue to use the telephone service to harass me. The most recent call was on XX/XX/18 from XXXX, who gave her extension as XXXX.
Hi, I applied for an Auto Loan at XXXX and XXXX XXXX.

But I see about 5 more extra hard inquiries on my credit report to whom I have not even spoke or had any business associations with.

I wanted the inquiries made by them to be removed from my history.

Below are the firms which made hard inquiry on my credit report on XX/XX/2018 : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. Chase Auto 4. XXXX XXXX XXXX 5. XXXX I tried reaching out to the customer care numbers, but the menu options are members centric whereas there seem to be no way to file a complaint related to credit report pulls.

I kindly request for your help on the same.
I am a XXXX  with XXXX XXXX XXXX in XXXX MI. I am writing a formal complaint against Members First Mortgage out of XXXX XXXX Michigan. They are by far the worst mortgage company I have ever worked with. They are sloppy in their paperwork, nobody returns phone calls, they say they send out documents when they never do. They don't have universal underwriting standards. In the 10+ loans I have closed with them, not one has closed on time, one took nearly 6 months for no good reason. 

I have had several clients switch lenders because of how poorly they were treated. I am working on a current loan where they are requesting receipts for repairs that were not part of the appraisal and were personal things asked for between the buyer and seller. The seller was able to fix many of the issues himself and therefore doesn't have receipts, this is the first time in my 5 years of working with them that they have ever requested receipts of repairs. They are extremely rude and have had issues with processors making my clients cry due to frustration with their questioning. Very accusatory and not customer oriented. They have already had to remove one processor XXXX XXXX due to her lack of customer service skills and the person they replaced her with is no better. 

I have attempted to contact XXXX XXXX who is the mortgage originator several times and have only received a return phone call once. They demonstrate gross negligence and general inconsistency with their practices. I am starting to feel like they are singling me out personally and giving me a hard time on purpose. I am feeling discriminated against and would like my complaint to be on file against them.
My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.
4 months ago I received my credit report and it had inaccurate data concerning my Bank of America credit card account. In XX/XX/XXXX, the report stated I was late three months in a row. They were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I had set up automatic payment through my checking account a year prior. At the time, I contacted a representative from Bank of America and was told it was an error on their part for halting my automatic payments. After the initial month of a late payment I had to resubmit my checking account. However in XX/XX/XXXX it happened again. As well as in XX/XX/XXXX. Finally, I started to pay manually to make sure the payment was taken. I was told by the customer service representative that no adverse action would be shown on my credit report About three months ago I mailed a certified letter to Bank of America expressing my concern about the negative and inaccurate reporting to the credit bureaus showing missed payments. I received a letter from Bank of America stating that they did report my missed payments accurately and had no information regarding the representative stating that the inaccuracies would not affect my credit report. I would like this resolved as soon as possible.
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.
On   X/X/2017  I  want to continue to move forward with clearing up my debt.      XXXX   XXXX   XXXX   XXXX , has not provided me with adequate information regarding this debt but I presumed it could be true being that My then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to  XXXX  requesting validation and of options, by    X/X/2017   .     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  XXXX .
On XXXX/XXXX/16, applied for a credit line increase on my mastercard account with Barclay USA. I received a denial letter dated XXXX/XXXX/16, this denial letter reflected an incorrect credit score, incorrect denial reasons, and was outdated back to XXXX/XXXX/16 ( over XXXX wks ). Barclay claimed they received this credit information from XXXX. On XXXX/XXXX/16, I got my annual free XXXX credit report, report reflected the opposite of what Barclay USA Mastercard Services claimed. On XXXX/XXXX/16, I contacted XXXX, rep " XXXX '', verified no negative information on my credit report and gave a XXXX point increased different credit score than what was reflected in Barclay 's USA letter dated XXXX/XXXX/16 to me. On XXXX/XXXX/16, I then contacted Barclay USA, rep " XXXX '', questioning the incorrections & not current credit information & score. I additionally asked why my statement which was due on XXXX/XXXX/16 was still not processed nor was there interest fees correctly updated & reflected. " XXXX '' asked to " hold on '' so she could get her service manager on the phone, " XXXX '' then transferred me instead to XXXX, rep " XXXX '', who also again reflected that Barclay USA written claim denial of credit information & score was inaccurate. I then asked XXXX rep XXXX for written XXXX credit report be sent to me due to Barclay 's credit increase denial for written verification directly from them, in addition to my free annual credit report obtained online on XXXX/XXXX/16. My complaint : Barclay USA Mastercard Services Company appears to be in violation of the " Fair Credit Reporting Act '' & using " Deceptive Credit Consumer Tactics '' with utilizing " outdated '' consumer credit information & inaccurate credit scores in their business letters, and additionally deceptively trying to pass the " blame '' on to XXXX Credit Bureau in the process. Please additionally note, that in XXXX 2016, my original Barclay Mastercard, a CHIP card, was breached, ID theft and fraudulent charges occurred. My local police department report was made and Barclay reissued me a " new chip '' card/mastercard. It appears there is some deceptive business practices ensuing with this business.
There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXX  to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.
I started receiving calls from East Point Group in XXXX, NY on XXXX/2017.  They claim that I owe money on a credit card that was already settled with the company that issued the card. When I did not agree with their claim that I owed on the card, they called my old roommate and my husband and told them that I had 19 outstanding delinquencies, that I was a liar, and specifically told them that I owed money on a credit union  issued credit card. This company called my old roommate, my husband, and myself several times yesterday and again this morning. This company is harassing me and my family in addition to lying about debts I owe. I have attached the receipts showing I paid off this debt to this complaint.
had been financed for a medical procedure when i was XXXX. all debts had been paid off, but the medical office made a mistake and sent my account into collections.
Despite learning of the massive personal data breach in XX/XX/XXXX, Equifax failed to notify the general public until this week. Using the website Equifax set up with respect to this matter, I confirmed that my personal data may have been compromised as part of this breach. As a credit monitoring service and credit reporting agency, Equifax has a fiduciary duty to protect our personal and financial data, a duty which it clearly failed to fulfill. 

From XX/XX/XXXX to XX/XX/XXXX, I subscribed to a credit monitoring service offered by Equifax. Per the billing history reflected in my Equifax account online, the total fees I paid to Equifax during that time frame were {$1100.00}. 

I have already contacted Equifax by social media channels and via their customer service portal on its website but have not yet received a response to either.
Called Transunion on XX/XX/XXXX to file a dispute on my credit report for an item that is being reported longer than the allowed time. The representative opened the dispute and told me to I should have it investigated and removed within 30 days. Received a letter dated XX/XX/XXXX stating the dispute was resolved and my file is now updated with incorrect information. I called XX/XX/XXXX to verify who verified this information and who was reporting it. They stated the creditor, I explained I called the Bankruptcy court and they stated they do not report or confirm any information. I asked again where did they receive the incorrect information they are reporting to my credit report. She then offered to dispute the information again. I explained I've just disputed to have this item removed and they updated it with incorrect info. My bankruptcy was dismissed in XXXX and Transunion has updated my report stating it was discharged in XXXX which is not reported by the courts or my lawyer. I'm requesting this item to be removed due to Transunion reporting incorrect information that is hurting my credit score. According to the FCRA outdated and inaccurate information is to be removed from a consumer 's credit file. Transunion has broken the law twice.
Experian has submitted and maintained known to be false and clearly erroneous information on my credit report concerning my address, a item of information that must be correct for many banks to open an account for a consumer. 

Specifically, Experian has maintained that I live at " XXXX XXXX XXXX SD XXXX '' for a number of years and as a result of Experian 's failure to correct these records, a violation of federal and state laws Experian has effectively locked me out of the financial services market because I am unable to provide any bank with a " proof of address '' that matches " XXXX XXXX XXXX SD XXXX '' and further, any bank that does a consumer application to credit report address check would deny account opening because the addresses would not match. 

I have attached proof of this and ask that Experian immediately remove this false information, reply to me with a full report on why this information was allowed to be on my credit report and include the contact information of the reporting financial institution, as well as resend my credit report to all financial institutions who inquired upon my report within the past 6 months.
The company constantly has robocalls calling from several different numbers. If I schedule a payment, they still continue to robocall. I talk to a rep and they tell me they ca n't see the online payments so they continue to call. They also robocall my job. If I do n't answer, they will email. If I respond back to the email, they tell me they are n't allowed to correspond by email. They set payments up biweekly instead of monthly. So if you miss a 2 week payment, they call and tell you you 're in default. Each message tells me they can help me find options, but whenever I try to get help, they tell me that there are no options available. I paid my loan faithfully every two weeks via direct withdrawal from my checking account. When I started having problems, I called and asked for help, they told me I did n't qualify. Now I 'm supposedly 60 days behind and they STILL tell me I do n't qualify for assistance. Even having one month moved to the back of my loan would help me catch up.
I was distraught to see my car missing as we exited our apt with my mother in laws XXXX in hand. The XXXX sign had fell into the dashboard and was hardly noticeable.. The towing company took the car. They asked for {$270.00} to release the car with the original registration owner to the vehicle present. The original registration owner of the vehicle is in Arizona and the towing truck rep illegally allowed me to sign for her when it was against policy. 

I humbly asked chase bank to dispute these charges as I have evidence to support my. cause with the car being registered to the apt complex.
I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it.
so last year I had open an account with wells fargo my account was getting hacked I had to open up claims the claims were denied and all my money was gone, I went into the branch to let them know what was going on and come to find out they said that they can no longer due business with me there nothing i can do, I had got a email from XXXX let me know that my social security was out there and that I needed I need to let everybody know I let wells fargo know what happen they still closed my account and said they ca n't do business with me I was so hurt because i really loved wells fargo and i came from wachovia and i never had any problems with wachovia and for wells fargo to just dismiss me after i was hacked says they are not gon na protect me and they do n't protect there customers. after I saw that wells fargo was being sued due to people hacking into people account I let them know that i was hacked and then i was let go they basically said i still ca n't do business with them and theres nothing further they can do and basically i owe them money. wells fargo owes me my money and my name back and I want that they were doing shady business when people back was turn own up to what has been done so i can clear my name I mean its rough when banks do n't believe that its you wen accounts are getting hacked
I went to the Chase Location XXXX XXXX XXXX, XXXXXXXX XXXX. XXXX off this Location needs new management, there is always only 1 teller open with more then 6 employees on location and when you look behind the glass there is 3-4 employees in the back not helping customers. open 1 more window service will go faster not 30-50 minute waits. Anyways on Thursday XXXX/XXXX/XXXX I went to this Location and waited almost 40 minutes just to purchase checks which I need to submit to a credit card. I advised this to the teller, I was never informed the checks will have that locations routing number and not my routing number ( my bank account was opened in XXXX XXXX routing number XXXX I was given a XXXX Routing number XXXX ). I was then rushed away due to the fact that since she was the only teller open they bank was already closed with 3 customers still behind me. I returned to the location Saturday XXXX/XXXX/XXXX as per informed by customer service if I went and told the location to have checks reprinted with the correct routing number they could do it for me. I was directed to the manager ( not helpful at all useless ). and was told " all we do is temporary checks which contain the locations routing number '' I explained the situation and asked for my {$2.00} back ( I will not pay for a service which is incorrect and done wrong ) and was told " I can not search transactions that far back you will have to call the XXXX number and they will give you the fee back '' ( transaction is only 2 days old how can you not search transactions that far back? ). I called the XXXX number and was denied the fee back. The point is not the {$2.00} the point is paying for a service which is done incorrectly and then being stolen from ( the way I see it ). If JP Morgan Chase wants to keep their {$2.00} they can but they have lost a customer of almost 8 years since XXXX. ( left and came back and had an account closed and reopened due to Fraud ). I have never been so unhappy with an institution ( I started having problems with chase in the past 6-12 months not sure what they changed but I am not the only unhappy customer ). This is my second complaint to Consumer Protections for JP Morgan Chase and will be my last as per they have lost my business. I suggest this institution be investigated and whatever possible to stop stealing from its customers.
This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections reported by XXXX and Equifax from XXXX XXXX XXXX for {$470.00} XXXX COMPANYPO BOX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX