WillisBack/dataset-financial-user-claim huggingface dataset:
I received a credit card offer to apply for their credit card, I received this offer thru the mail. 
The card was CITI XXXX. They said if I was approved for this credit card, & then I spend {$3000.00} on credit card charges within the first 3 months of the card, I would receive XXXX XXXX Miles. I did apply for the card & was accepted. I did spend {$3000.00} on this credit card within the 3 month period of time. So, I did check on my XXXX mile account, no XXXX miles was given to me. I contacted customer service, & I did receive a letter stated since I had a previous credit card within the last 24 months -- no XXXX miles awarded. They stated I had a card 18 months ago. 
They send me this credit card invitation, I did not go to them. They then let me put {$3000.00} on the account, no letter or phone call to let me know that I was not eligible for the miles. 
I had to call them & ask what is going on. 
On XXXX/XXXX/2016 I did cancel this credit card. They send me the invitation to join, they never told me I was not eligible for the miles -- what a way to do business!!!!!!!!!!!!!!!!!!!!!!
My student loan servicer, Navient, continues to have long response times to online customer service inquiries that require telephone follow-up calls. The response time to messages sent via their website has grown in excess of one month, and the last three messages have gone completely unanswered. Calling Navient by telephone requires navigating a complex IVR system that will not route you to an agent for the first five minutes of the call. This all culminates in a very time-consuming and frustrating customer service experience. 

I feel that Navient should be held to certain customer service expectations and staff appropriately to meet customer demand. Waiting months for a response via their website, which is the method of contact they repeatedly recommend, is simply unacceptable.
I fell behind on a payday loan due to I.D . theft and having to close my bank account. I setup a payment arrangement to settle the debt in full on XX/XX/XXXX and since that time I have received constant letters from Americash increasing the balance and threatening legal action. Even after setting up the agreed arrangement. I called Americash several times about the issue. they advised once the first payment was drafted all activity would stop. But it did not, it seem to escalate. I continued to call and even advised my representative as in every other call ; I did not ant to continue to receive these communications. They were confusing especially as, I was currently making payments. My representative XXXX was very dismissive of my concerns and very uneducated about debt collections practices. My last phone contact on XX/XX/XXXX I advised the company I would submit a complaint as they seem to not care about continuing to abuse their role in collecting debt.
Asked for validation of this debt and they sent me info from an online payday loan company with no signatures. Just typed information with my name on it. That is not Validation nor is it proof that this is my debt.
Greetings I contacted the Hunter Warfield on XX/XX/XXXXin an attempt to just settle it quickly because I was attempting to buy a car and was made aware that there was a collection placed on my credit report that I had no knowledge of. The dealership told me that they may allow me to just pay a portion to get it removed quickly to proceed with the car buying process. That was not the case as they did not respond. 

On XXXX I requested a validation of the debt because I 1. Never received a bill stating that I owed anything from my former apartment. My keys were turned in at their request and we were moved out on time without any charges accessed. 2. I did not understand how they could place an unknown debt on my credit report without notifying me. 

On XX/XX/XXXX I received a letter stating they did not have that information available to verify the debt and they needed more time. I have disputed it through XXXX and they responded by saying they have the right to collect. 

No one is telling me why i never received a bill, what exactly I am being charged for, and how it is allowed to remain on my credit report even though they do not have the information available to verify what I owe and why.
My student loans have been sold/transferred to different servicers several times. The student loan servicing industry is broken - each time the loans are sold, data and information is lost. My current servicers can not even provide me with complete and adequate data to confirm payment history, principal amount, interest rate, incentives. ( XXXX of my prior student loan servicers are now out of business due to fraud and other violations that forced them out of business - and they can not be contacted or left any records either ).
I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, TRANSUNION AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX ; XXXXXXXXXXXX
The alleged mortgage servicer has contacted XXXX XXXX XXXX XXXX to initiate foreclose on my property. This concerns me because I 've never received any information in the mail that my note had been sold nor I have I seen a copy of my note bearing any signature that would support the claim that This XXXX XXXX XXXX XXXX XXXX represents. Trust name : XXXX MORTGAGE PASS-THROUGH TRUST XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX. 

The Trust claims it owns the note by way of transfer from XXXX, XXXX, Depositor XXXX XXXX LOANS, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SERVICING LP,
THERE WAS A FRAUDULENT PURCHASE MADE ON MY MACY 'S STORE CARD XX/XX/2015. CALLED COMPANY, INVESTIGATION WAS MADE AND THE FEES WERE SUPPOSED TO BE REMOVED, TOTALING A BALANCE OF {$0.00}. I REQUESTED CLOSURE OF THE ACCOUNT IN XXXX 2015. 

MY FIRST PHONE CALL TO THE COMPANY WAS IN XX/XX/XXXX, TO CLOSE THE ACCOUNT AND START AN INVESTIGATION. THEN I CALLED IN XX/XX/XXXX, BECAUSE THE REQUEST IN XX/XX/XXXX WAS NEVER DONE. TRIED AGAIN IN XX/XX/XXXX, TO FIND OUT THAT MY OLD ACCOUNT WAS CLOSED AND MACY 'S SIGNED ME UP FOR A NEW ACCOUNT. AND MY LAST CALL WAS IN XX/XX/XXXX, WAS NOTIFIED THAT MY NEW ACCOUNT WAS ACCRUING THE LATE FEES FROM THE OLD FRAUDULENT ACCOUNT. I SENT THE COMPANY XXXX EMAILS, WITH NO RESPONSE. AND I AM STILL RECEIVING EMAILS THAT I NEED TO MAKE PAYMENTS ON THE NEW ACCOUNT, THAT I ASKED THEM TO CLOSE IN XX/XX/XXXX.
This is my second CFPB complaint to Capital One, I filed a previous complaint last month which I have not got any response still. When I contacted Capital One they stated that I need to verify my Social Security Number and send me a SSN form to fill out which I returned to them, they also asked I send in a copy of my driver 's license and SSN card which I did last week. Now there asking for bank statement, which am not comfortable sending my private information in my bank statement. I had this account for years and now Capital One put a restriction on the account and asking for all this without letting me know why there requesting this information.
This is not a duplicate account. XXXX XXXX is still not willing to delete this account even after XXXX has taken the account out of dispute status.
Hi, PayPal recently shut down my account without warning. They stated that my account was shut down because of " unusual activity. '' They did not ask to see any records or invoices, nor did they ask or try to help me resolve this issue. I then emailed them asking why my account was shut down, and on XX/XX/2018 they sent an email saying my account was shut down because of " unusual activity. '' Why don't they help me figure out a solution? Why don't they ask for more information about my business? Why don't they tell me which kinds of transactions are unusual and why?
I have several problems with payments with Chase mortgage. My payment was reported 30 days late for XXXX and XXXX of 2016. I paid XXXX mortgage payment within the 30 days of it being due. The payment did post XX/XX/XXXX16 on their online site but Chase reported my payment 30 days late. Chase online site has had some technical difficulties by their staff admittance. I logged in on XX/XX/XXXX16 scheduled a payment. The payment was never processed. I had to call in to make the payment. XXXX ( supervisor ) admitted the online site has been malfunctioning and applied for a credit amendment for the incorrect reporting. Chase seems to be having problem on managing payments and the problem needs to be rectified.
The main complaint is on Citibank XXXX XXXX refusal to initiate a chargeback per Visa regulations on a merchant XXXX XXXX XXXX  in XXXX. 1 ) When dispute is initiated under dispute Case # XXXX, many evidences submitted are lost in its computer system. 2 ) When I discovered false claims from XXXX XXXX through a helpful service rep and then reported, there is no follow-up with me from the investigation team. In fact, there is XXXX inquiry with me from XXXX XXXX throughout the dispute. 3 ) When being confronted with conflicted claims in writing from XXXX XXXX, XXXX the supervisor of investigation team refused to consider them. 

Summary of Incident with the merchant XXXX  XXXX XXXX  XXXX : On XX/XX/2018 the car rented from XXXX broke down on a rural highway in XXXX. XXXX XXXX claimed it was an incidental damage and, under this presumption, I paid the damage amount of XXXX {$5600.00} with my XXXX XXXX XXXX ( Attachment 1 ). Later one, after repeated requests, XXXX XXXX found no proof for any accidental damage on the car ( Attachment 2 ). But they refused to refund the charge. 

Citibank claims per supervisor XXXX : XXXX charge you for the damage of the vehicle under my procession. So there is no misrepresentation of the charge. 

My counter-argument : XXXX XXXX made the false claim of the damage due to an incident. Under this claim I paid the damage. Then they admitted in writing that they are unable to find any evidence of incidental damage. Thus under the rental term ( Attachment 3 ), XXXX XXXX should responsible for the damage. They gave me a false claim of incidental damage at the time to trick me into making a payment. This is a classic case of merchant misrepresentation per XXXX chargeback rule. 

More information are available upon request. Since my wife is the primary card holder for Citibank XXXX XXXX, some of the documents are addressed to her name XXXX.
I first Disputed item " XXXX XXXX XXXX Partial Acct # XXXX '' on my Experian report in XXXX XXXX, and it came back verified. I disputed again on XXXX XXXX, XXXX, and once again it came back verified. 
Please see attached signed XXXX certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their XXXX XXXX XXXX XXXX have any record of me or this alleged account. 
Attached is also proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are the same company. 
Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Experian. 
I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 
Please find all relevant documents and Certified Mail receipts attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
I have disputed the infomration on credit report regarding XXXX XXXX XXXX times with Experian credit reporting - the 7 year statute of limitations has expired. Yet, Experian will not remove. They have consistently continued to respond with a statement that the account was updated and left it on the credit report. Additionally, XXXX XXXX continues to submit the same infomation to Experian on a monthly basis ( last date of submission XXXX/XXXX/2016 ).
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, Equifax, XXXX, and XXXX. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
XXXX client, XXXX XXXX is a victim of identity theft. She received a collection attempt from Credit Counsel , Inc on  behalf of XXXX XXXX XXXX for {$1400.00} dollars, an amount that she has advised is related to an issue of identity theft. This issue as well as other has been reported to the XXXX Police Dept for investigation. An official dispute of this account was sent to Credit Counsel Inc XX/XX/2018 ; as of this date Credit Counsel Inc has not provided any update as the status of the investigation of this issue which is a violation of the FCRA and FDCPA since this account was reported to my client ; s credit reports.
XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT
I paid my car loan off and reviewed my credit 3 months later and they show I was 30 days late on a payment when I was n't. I actually had automatic pay setup through my bank. I have sent ALLY the bank statements showing that the payments were made but they will not correct on my credit. I have disputed through the credit agencies and ALLY keeps turning it down with the documentation. This late payment is stoping me from getting a job that will help me support my family in a better way. Please help me I can provide the documentation supporting that I was n't late. I call in to Ally and ask to speak to a manager and they wo n't let me. Ive been hung up and basically told they do n't care. Please, please help me.
I took out a parent plus loan so my daughter could attend XXXX XXXX of XXXX XXXX. When the loan was taken out I was told by the financial aid director that the checks will be sent directly to them due to problems in the past where they never received the money from past student that decided to not attend. XXXX XXXX XXXX financial aid director said that she would send me a check for the amount I took over school cost to pay myself back for purchasing my daughter 's XXXX. She said XXXX would need to complete so many hours before she could send me the money ( ca n't remember # of hours ). She did n't advise me of the name of the loan holder I would be going through. I got a few emails saying I owed Navinet over {$700.00} and need to pay right away. The emails did n't say what school they were for, so I figured tahey were some type of scam. I think I got a few possible calls from Navinet but still I felt this was a scam. Then in mid XXXX I received a letter stating I was going to be sent to collections. Even on this letter the school name did n't appear. I asked my daughter if this was who she had her loan through. She advise me it was not her lender. I decided to call to see what this was all about since they keep on trying to contact me and also said I would be sent to collections. When I called I spoke to XXXX, I asked if this was the loan for my daughter 's XXXX. She advised me I was behind {$770.00} on the loan for {$17000.00}. I asked why the loan owed was that amount when my daughter only attended for 6 months was on XXXX for 6 months then forced to withdrawal due to a medical condition. She proceeded to tell me that they sent me the check for the amount of my loan. I told her I never got the check that is was sent to the school. I asked what address they sent check to? She gave my home address XXXX XXXX XXXX XXXX XXXX XXXX. I told her that was a lie. She said they only pay check to the borrower. I told her that they never sent me the check. Also I never cashed a check from them. I only got a check from the school after for the amount I borrowed to pay myself back for her XXXX I asked for copy of front and back of check. She put me on hold then told me they were n't allowed to do that, they could only send it to the borrower. I said I am the borrower, and they are legally able to provide that to me. She said get copy from the school. I said if check was sent to me and cashed by me why would the school have copies. I told her they did send it to the school directly and not to me the borrower. She argued with me it was sent to me. I asked why they would send the full amount of the loan when she was only attending for 6 months plus the school also took money from my daughter 's loans she took out. I asked for a supervisor she refused to do so each time I asked. I got tired of arguing with her and said I was out on a XXXX and unable to pay at this time. She set up a forbearance to hold my payments until XXXX 2017.
I was befriended by XXXX from XXXX and over the period of XXXX mos from XX/XX/XXXX to XX/XX/XXXX I loaned him {$5000.00} XXXX. He agreed to pay me back but still has not. I contacted him again last week asking him to pay me back and he now refuses.
XXXX XXXX XXXX called me on XX/XX/XXXX and XX/XX/XXXX *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX continues to call and I have two voicemail messages from them on XX/XX/XXXX lasting 20 seconds and on XX/XX/XXXX lasting 31 seconds.
I have been scammed by a person claiming that they are apart of XXXX claiming that the can qualify me for XXXX vouchers to help pay debt. they informed me that I would need to submit to them {$3200.00} by XXXX / XXXX in order to proceed with the program. they informed me that they would need my username and password to login to see if I qualify for the program. I was notified by the rep that i qualified for the program and the next morning I received a deposited amount through mobile bank for {$3900.00}. So the rep informed me to send {$2700.00} by XXXX and {$500.00} through XXXX. Wednesday night, I found out that the amount that was deposited was reversed. I call PNC and they informed me to call XXXX.I called XXXX and they could not pull up my info. The rep asked me what state am I located in. I informed the rep that I reside in Maryland and found out from the rep that XXXX does not cover Maryland. I called PNC again and they informed me to call them in the morning to make a claim. I spoke with a rep in the morning stressed out about the situation and was told that It happens all the time and he claimed that I would handle well and that I could go back to work because it will be resolved. All I need to do was wait for the form to finish the claim. Its been over a week and I have not received the form. I was also told to open another bank account in order to use funds. During the week I deposit money in the new account at PNC finding out that my account is on hold due to the investigation. I called PNC and ask to speak to a manager in the fraud department and I was transferred to Employee Service in mind of that I am not a employee of PNC. I was finally transferred to a rep who claimed that she was a manager and has not cared on how I was treated from the company nor car on how many times I had issues with PNC Debit card had to be replace due to fraud alerts. I want to speak to corporate of PNC Bank. I filled out a IC3 form requested by FBI and filed a report with Federal Trade Commission.
I cosigned for a student loan for my daughter. The agency handling the loan is Navient. They have the loan listed as a group loan. However, I am the only person that receives the bills for this loan because they have made it a group loan. My daughter, that is the primarily responsible for the loan, is not able to receive information ( online, phone or mail ) regarding this account because all information about her account is sent to me, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have been contacting Navient for over three months trying to get the accounts separate so I can receive my bill and asking that they sent XXXX XXXX her bill. However, I continue to get the run around. The account was behind three months and XXXX XXXX was not aware of it because the bills were sent to me. I tried to find out why I was receiving the bill. However, they would not give me any information. I finally contacted XXXX to find that she thought the loan was still in deferment because she was in school. This effected both of our credit ratings. If XXXX 's loan was sent to her, she could have made the appropriate arrangements to pay the loan. This means she has paid additional interest and fees on her loans and should receive refunds for those funds. I am currently forwarding all mail from Navient for XXXX XXXX XXXX to her address at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have placed my loan in deferment and received a letter that Navient placed XXXX XXXX 's loan in deferment which she did not request. I understand that I am the co-signer for XXXX XXXX 's student loan. However, she should have access to her bill separate from my bill. I want Navient to separate the bills to ensure that I, XXXX XXXX, and XXXX XXXX have access to ours bills. 
XXXX XXXX, XXXXXXXXXXXX, XXXX.
TransUnion has on my credit file as balance or money owed to XXXX XXXX Credit Card account showed by transunion # XXXX there is no balance owed or money owed on this account as stated by Transunion of {$490.00}
I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices.
I believe there was more grants available I was a single mom and still ca n't coordinate all the loans it took me to get my degree
Wells Fargo Home Equity Loan opened on XXXX, 2004 is showing up as an Open Account on XXXX. I have reached out to Wells Fargo in an attempt to have it closed/removed with no success. They had me send a fax with all the info and was told it would be removed in a couple weeks. I have done this multiple times. It 's now been a year. I 'm unable to provide the loan number because I was taken off the loan when I was divorced. I 'm also unable to provide my x-wife 's social security number because were not married and I do n't have it. How do I get this removed from my credit report if Wells Fargo refuses to contact XXXX?
Equifax 's poor security measures resulted in a data breach which they have indicated included my personal information. I 'm now at high risk for identity theft because of their negligence.
This was paid over a year ago and have contacted western services and the credit bureaus about this with no results