WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016, I went to Citibank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) to inquire about banking opportunities. I was encouraged to open a Citigold account. Within the bank over the telephone, I opened a Citigold account after learning about an amazing promotional code ( XXXX ). Prior to finalizing the account details, we reviewed the promotional code requirements. I was assured that within 3 months of meeting the requirements, the miles would automatically post to my account. The promotional code and my AAdvantage account were then linked to my citigold account to make it easier to transfer the miles. 

My account was funded with {$1500.00} on XXXX/XXXX/16. I met the promotional code requirements within two moths of opening my account. I spent {$1000.00} in debit card purchases on XXXX/XXXX/16. I had two consecutive automatic bill payments to XXXX XXXX on ( XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 ). In XXXX, I called Citigold ( XXXX ). I was informed I had met all of the promotional code requirements. On XXXX/XXXX/2016, I called Citibank again. I was told the XXXX miles would be deposited into my account within 90 days of meeting the program requirements. On XXXX/XXXX/16, I was informed " Unfortunately, there was not an XXXX XXXX promotional offer in conjunction with the opening of your account. While Citi does offer XXXX mile promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I was shocked. I immediately appealed the decision to the Citigold representative. On XXXX/XXXX/16, I received the exact same letter without any additional information. 

I do not understand why my account does not quality for the promotional offer XXXX, which was offered to me from within Citibank. On XXXX/XXXX/16, I was informed for the first time that this promotional code was not targeted to me. This does not make sense. From account inception until XXXX/XXXX/16, there were multiple telephone calls with Citigold confirming that my account had met the promotional code requirements with the miles to be credited to my account in the near future. As I had no reason to suspect there would be an issue, I do not have a log or transcription of any of these telephone calls. However, I suspect there are multiple internal notes linked to my account within the Account Services department. 
I see no other recourse than to file this complaint with Citi.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .Thank You
I received a message from XXXX company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for Chase. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.
I called Experian today XX/XX/XXXX because I received an email stating there was an update to my file. I explained to the Representative that a tradeline had been inaccurately deleted from my by them per the representative I spoke with 3 weeks ago. The first Representative today told me my creditor had the account deleted on XX/XX/XXXX after I stated that is false information because I spoke with the creditor who stated they received a Block notification from Experian on XX/XX/XXXX. The Representative then stated it was deleted due to the address the creditor was reporting that was reported as a fraudulent address which again was incorrect because I verified the address my creditor was and is reporting. The representative then stated my creditor is reporting the trade line but they are reporting it with an old address, I then asked why is it not showing on my credit report if it is reporting, he then stated my creditor needed to call and speak to their Experian Rep at XXXX. I asked to speak to a Supervisor or Manager and was put on hold for 50 min until I stated I could hear all the representatives in the background and his call time was increasing, so it would look better if he just hung up on me and he did. When I called back and got the next representative she again stated my creditor was having my credit blocked and I explained to her I spoke to the creditor again on XX/XX/XXXX who told me they sent the proof via email to them that they sent the block notification and the sent the reinsertion form to have the trade line put back on. I asked to speak to a supervisor or manager and was told they will tell you the same thing to send a reinsertion form. I asked again to speak to the manager or supervisor and was told to hold I would be transferred to him and I was sent to the voice mail of XXXX XXXX because he did not answer the phone. I sent my letter stating the accounts were not fraud as I was instructed by the first representative 3 weeks ago and the creditor has sent a reinsertion form with proof of their mistake to them.
In XX/XX/2017, I received a letter from this company regarding a debt that was supposedly owed to them. I sent a request to this company requesting verification of this debt. To date, verification has not been provided. I requested the legal documentation that shows I entered into a financial agreement with this company and theyve yet to provide. I have now received notification that theyve reported this account on my credit profile. This information needs to be removed immediately until requested documentation is provided.
I was selling a household goods item - the person that bought it sent me a Wells Fargo Check for {$2000.00}. I deposited it into my Wells Fargo checking account. The company picking up the item for the individual was paid by me out of that {$2000.00} - a sum of {$1000.00} to pick up and transport the item ( about 40 feet of solid surface countertops, a sink, and a range ). As it turns out, it was fraudulent - the persons that sent me the check fraudlently drew a check on someones account, sent it to me. The bank took the {$2000.00} from my account, of which only {$1000.00} was left. So ... I am out {$1000.00}, the person to whom it was taken from is whole, the fraud perpetrator is up {$1000.00}, the bank is whole - it was a Wells Fargo check and I deposited it into a Wells Fargo account. I am the only one that was punished and I was as much a victim of the fraud as the other person. I thought fraud protection was one of the things the bank was supposed to help prevent, help make clients whole ( they do it for credit cards that they charge you 20 % on ). I have copies and specific dates as needed.
There are 2 public records from Wisconsin Child Support reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with Equifax and XXXX XXXX to update these items has paid. Please remove these public records from all 3 credit bureaus.
I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.
I have CDs with Ally Bank which were expiring on XXXX XXXX. Ally Bank automatically renewed those CDs into a 5 year term and when I called in to complain and move the money out they want to charge an {$80.00} fee per CD. This seems grossly unfair to me
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX  before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
XXXX THIS WAS NEVER A CHRGE OFF, ACCT WAS PAID IN FULL AND I HAVE MY TITLE TO MY XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED USER
As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights
My identity was stolen back in XX/XX/2016. Multiple credit lines, banks, and other products were open under my name. My wallet was stolen and my drivers license, social security card and credit cards were stolen. Bank of American was one of the banks that opened these fraudulent accounts under my name. Now they have placed me in XXXX XXXX XXXX marked with a notation of fraud. I was never aware of these accounts being opened. I was never notified by bank of American and Bank of America has not validated that any of the accounts and checks that were cashed were mine, they have not provided me with any documentation with my signature. By law any fraudulent accounts that were opened due to Identity theft should be blocked and removed. Bank of America is in violation of many federal banking laws and the FCRA federal laws I have filed complaints with the OCC and my local attorneys general office. I am aware of my consumer rights and my father is an attorney. If this issue isnt corrected by Bank of America I will seek litigation to clear my name!
I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.
I was XXXX XX/XX/XXXX and I received an email XX/XX/XXXX that my Clearance was being Adjudicated, on XX/XX/XXXX a list of the accounts was provided from my POC and I then learned one of the accounts involving a XXXX XXXX Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XX/XX/XXXX and explained that I was currently XXXX and had disputed the account with XXXX XXXX because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address XX/XX/XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XX/XX/XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay XXXX XXXX XX/XX/XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.
My XXXX father took out a car loan with Chase Bank. He is nearly XXXX and can not hear. I am his child. I manage his financial affairs for him. When he set up the account and took out the loan, he expressed to Chase Bank that it was acceptable for me to contact them regarding the account and to make his payments for him. Despite this, when I went to make the initial payment, they would not allow me to make the payment for him. Thus, his initial payment will be late. When I called Chase to make the payment for him, they would not allow me to do so. When I asked for the telephone number of the automated payment, manager " XXXX '' in Texas gave me XXXX as the automated payment number. That number is disconnected. Chase XXXX beyond belief.
On XX/XX/2018 at XXXX pm, GC Services called my son from number XXXX looking for me stating it was a " personal business matter '' and that they had my son 's number, " XXXX '' as a valid contact for me, which is not possible since I have never given anyone that number as a valid contact for me, nor is he on my loans as a contact, since at the time of the debt he was XXXX years old. He only recently turned XXXX. 

This is harassment and I would like to press charges.
I have a collection for XXXX from XXXX XXXX XXXX. I 've never heard or have done any business with this company.
Back in 2015 ( XXXX XXXX ) we had contacted XXXX and citimortage to tell them we needed to do a loan modification. We were denied twice. We tried our best to make payments the best we could. After that we had put the condo on the market to try and sell it. We received a offer for a short sale one back declined or one accepted. We then got a second offer and it was still declined. We filed for a deed in lieu and of course that 's was denied. We have tried to be honest good people and ca n't seem to get rid of this property we can not afford. More fees are being adddd on to thibgs this issue has been dragging on for awhile. We need help these lenders are not willing to work with us. I have had sch appointments with my account manager at XXXX and then after taking the time to behome for them the account manager is to busy. The citi mortgage account manager she never replies to my emails. What are we to do?
I have 2 mortgages with GMFS.

I have had one mortgage for nearly 4 years.

My bank allows me to pay bills through their site, and I paid my mortgage with the same address for years.

My bank and mortgage company are different companies.

Last month, GMFS notified me that my loan has been purchased by XXXX XXXX XXXX but its still GMFS. The lender has not technically changed.

But they failed to receive my payment that I had sent to the same address for GMFS for years.

So, I changed the address.

Now my payments have been returned because its not made to XXXX XXXX XXXX but its coming from a GMFS letterhead. Its still GMFS. Its not like I was sending payments to XXXX or XXXX XXXX  
This is ridiculous. I believe its deceptive banking which causes unnecessary confusion to cause customers like myself who have paid on time every time to incur expenses. This needs to be investigated.
Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.
Three months after purchase of vehicle I called of numerous complaints of issues with the car and overpayment as well I was told that their would be an adjustment and for months it never happened. Months later I am having issues with this car a second time, and I complain to Toyota that im not satisfied with the issuesI keep having as well as them making an adjustment as the promised. Fast forward months later as I continue to struggle with myself about making payments on what I would consider a lemon I decided to give Toyota one last call to try to make some kind of deal regarding the issues as well as the overpayment at whoch time they refused to lower the price, but would spread my payments longer which made no sense. I then told them I was doing a voluntary repo because not only did I overpay, but im continuing to drive what seemed to me was a lemon
I HAVE BEN STRUGGLING WITH NAVIENT FOR ALMOST 2 YEARS IN TRYING TO GET MY STUDENT LOANS ( FORMERLY XXXX XXXX ) DISCHARGED THROUGH XXXX. 
ALL OF MY FEDERAL STUDENT LOANS HAVE BEEN DISCHARGED SINCE LAST YEAR AND NAVIENT IS VERY UNWILLING TO ASSIST ME, OR DO ANYTHING TO HELP MY FINANCIAL SITUATION. I AM LEGALLY XXXX THROUGH SOCIAL SECURITY AND HAVE A LETTER TO PROVE THAT BUT WHEN I GOT MARRIED IN XX/XX/2016, I LOST MY SSI BECAUSE OF THE MARRIAGE PENALTY ACT. 
CURRENTLY MY BROTHER WHO IS A CO-SIGNER ONLY ON MY LOANS IS STRUGGLING TO MAKE PAYMENTS ON THEM WHILE SOME HAVE DEFAULTED AND HAS CAUSED MY CREDIT TO SUFFER WHICH IS CAUSING ME GREAT STRESS AND XXXX AND EVEN WORSE, MY HEALTH IS DECLINING RAPIDLY DUE TO ALL OF THIS. 
NAVIENT IS UNPROFESSIONAL, UNCARING AND MOST OF THE TIME DOES NOT RESPOND OR RETURN CALLS OR GIVE YOU CORRECT INFORMATION. THEY WANT MY BROTHER TO KEEP PAYING BUT HE CA N'T AFFORD TO AND IS VERY UPSET THAT HE HAS HAD TO PAY SO MUCH IN THE PAST TO SAVE HIS CREDIT. MY XXXX ( XXXX XXXX XXXX- XXXX ) IS ONE OF ONLY 4 LISTED AS COMPASSIONATE FAST TRACK FOR BENEFITS BECAUSE OF ITS SEVERITY AND NAVIENT NEEDS TO ADDRESS MY ISSUES AND DISCHARGE THEM LIKE THE GOVERNMENT DID OVER A YEAR AGO. I CAN SEND MY XXXX LETTER BUT WILL NOT GIVE THEM EVERY PAGE OF MY MEDICAL HISTORY BECAUSE IT IS NONE OF THEIR BUSINESS WHAT I AM XXXX FROM AND IF THE SOCIAL ADMINISTRATION LETTER PROVING I AM XXXX IS N'T ENOUGH FOR THEM I WILL SUE THEM UNTIL I XXXX I AM SO ANGRY WITH THEM. PLEASE HELP.
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my visa made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.