WillisBack/dataset-financial-user-claim huggingface dataset:
I opened up an checking account with Citi in XX/XX/XXXX over the phone to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account before XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days before the {$400.00} is deposited. During the phone process, I gave the banker the account information from another bank for them to take the {$15000.00} once Citi is ready. When I finally receive the paperwork including the XXXX verification in the mail, I noticed that my name is mispelled XXXX XXXX instead of XXXX XXXX. I crossed that out and corrected it and also call it in. The person over the phone claimed that Citi will have to resend another XXXX in the mail for me to sign and will send me the revised version to my email. However, I did not know that also got my email incorrect ( XXXXXXXXXXXX instead of XXXXXXXXXXXX ). As a result, I did n't receive my XXXX until 2 weeks later. That in addition to the original 2 weeks to receive the paperwork mean 4 weeks has already passed. As soon as I receive the 2nd XXXX, I called in to ask for a fax number for me to fax in the correct form and also send it in via mail as well. Citi claimed after multi days that they did n't receive my fax so I had to fax it in again. After multiple attempts and multiple calls, Citi finally said that they have my XXXX and confirmed that my account was opened. It took another week or two before the {$15000.00} deposit was made using the original instruction from XX/XX/XXXX. I had to call in multiple times but each time the bankers said that the system should process it when it recognize the account has been confirmed. During these calls, I had asked about my promo status as I know the deposit would not make it in time. The bankers mentioned that it should not be a problem and that they put notations on the account that it was n't my fault and it was due to an incorrect name in the beginning. Since XX/XX/XXXX after it passes 90 days waiting period and with the bonus still not in my account, I have opened up multiple cases with Citi to get the {$400.00} bonus. Each case was rejected by the back office with the standard argument that I did not deposit the money within the 30 days period. The bankers that pick up the phone agreed with me after looking at my notes but all said that they ca n't communicate directly with the back office ( dispute department ) that handles these cases. The bankers thus kept on putting in new cases for me hoping the back office would read the notes and understand that I had no control over the deposit and that it was delayed due to an error by a Citi banker that opened the account for me.
I open the Citibank checking account back to XX/XX/XXXX because Citibank has a promotion. 
it state that to qualify for a XXXX cash bonus, open a new consumer checking account in the Citibank account package by XX/XX/XXXX Within 30 days from the date you opened your new checking account, deposit XXXX or more in a new to Citibank fund into your new checking or new or existing Citibank saving plus account. 
A minimum balance of XXXX is required to be maintained in the new checking account or new or existing Citibank savings plus account for XXXX consecutive calendar days following the date you made your qualifying deposit. 
The bonus will be received 90 days from the date of the qualifying transactions. 
on XX/XX/XXXX, I went to the branch to see what happen with my XXXX bonus, the branch told me she will send the claim to the customer service but it will take 48 hours to response to me. I kept waiting for the answer. Finally i got the response on XX/XX/XXXX it said my account has meet the requirement to receive the incentive for the amount of XXXX. 
I assume I should get it by XX/XX/XXXX. I called the customer service on XX/XX/XXXX to follow up my case, they told me I better go the branch to find out what 's going on with Bouns since i opened the account there. XX/XX/XXXX, I went to the branch, the branch made the phone to trace my bonus. Again, they told me It takes 5-7 days to process my bonus Up to date XX/XX/XXXX. I still have n't seen the XXXX bonus in my checking account. I feel so frustrated the way CITIbank they handle the case. I thought Citibank should be honor what they promise on the promotion. It seems like a scam, why they keep delaying the payment.
I contacted your organization in XXXX 2016 regarding my mortgage with GREENTREE SERVICING/DITECH. Approximately two weeks later I received a MAKING HOMES AFFORDABLE packet to apply for help. This info. was dated XXXX/XXXX/16. The very next day I received a second packet from DITECH stating they received my application and they determined it was INCOMPLETE. They listed what was missing. How is this possible since I had only received my application the day before. So, the next day I received a letter from DITECH stating I was ineligible for their Home Affordable Modification Program because and I quote " WE SERVICE YOUR LOAN ON BEHALF OF AN INVESTOR OR GROUP OF INVESTORS THAT HAS NOT GIVEN US THE CONTRACTUAL AUTHORITY TO MODIFY THE LOAN UNDER HAMP. How many consumers have these same issues with GREENTREE/DITECH? As I reported to you previously, I attempted to get help through this program before and got the runaround from GREENTREE. It was the same scenario then. They said incomplete paperwork etc. Everything was there. I had made copies. I have the letter from them and everything I had sent them. They are the worst. I pay 10 % interest on my mortgage and it is absolutely crippling me. They do nothing but take the money and do n't care about the consumer. HELP. XXXX XXXX
I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, Ditech, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. Ditech then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Requested onXX/XX/XXXX that my insurance be removed from escrow account. Provided written documentation that I had changed insurance companies, provided new insurance company name and policy number. XXXX statement included insurance in escrow, so I paid in full. XX/XX/XXXX requested update and responded to a XXXX  appraisal stating property only worth XXXX with a XXXX appraisal showing XXXX value. Received XXXX mortgage statement still requesting the insurance payment included in escrow, though I also received a letter on XX/XX/XXXX from Loancare LLC acknowledging my new insurance and stating it is my responsibility to arrange for refund from previous insurance company.
they deninded a modification and state it was due to title issue however again the county and everything is showing only myself on title which was done back in XX/XX/2016 when the modification was in process. I am not understanding how when everyone/everything shows only myself on title how you can denine the modification. they did not answer this question
Captial one has inquiries on my credit report that I have no knowledge about with the same dates more than once, there is the dates XX/XX/XXXX, XX/XX/XXXX, listed 2 times on all 3 credit bureaus, XX/XX/XXXX listed once, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they did not have my permission to run my credit report and XXXX, XXXX and XXXX will not remove this inquiries stating the info has been verified.
Requested lender to remove PMI for last two years. Sent few written letters. They wanted the home appraisal to be done at my cost, which I havent done. 
Loan took around XXXX Current loan outstanding XXXX which is about XXXX % balance.
I sent XXXX BITCOIN from my XXXX XXXX XXXX XXXX XXXX on XX/X/2017 at XXXX XXXX central time. I received notification from Coinbase via email that I received XXXX BITCOIN and that it should be available after 6 network confirmations. 

I have yet to receive my BITCOIN since I was notified on XX/X/2017 that my currency would be placed in my virtual wallet. According to XXXX, there is currently over 3218 confirmations on the block chain, which far exceeds the required 6 to confirm the transaction with Coinbase/XXXX. 

Please review this link : XXXX XXXX  XXXX I have sent approximately 20 emails to XXXX support and 20 emails to Coinbase support, one per day per each support service. I 've also made approximately 5 phone calls to live phone support at Coinbase and at XXXX. The most that anyone has been able to tell me is that my support ticket will be escalated to a specialized agent. An agent has not gotten back to me to resolve my problem. 

Enclosed are screen shots of my PENDING transaction. It is clear that I have gone through the requisite number of confirmations for the transaction to post in my XXXX/Coinbase account.
Client came to a HUD agency ( XXXX research, XXXX, De ) for assistance. Housing counselor submitted required documents to lender back in XX/XX/XXXX. Have not heard from lender since submission stating if there is anything additional needed. Client gives Housing counselor a call for follow up and the agency has not heard from lender as well. We also requested payment history of the loan before loan was serviced released to Green Tree Servicing LLC from XXXX. We did not receive any history. XX/XX/XXXX lender called client to request status on second mortgage which also is with Green Tree Mortgage. Mortgage has a XXXX and XXXX with Green Tree. Mortgage is also not reporting on credit report since loan was originated back in XX/XX/XXXX. We have been trying to get answer from lender but have been unsuccessful in getting a response.
On XX/XX/10, I checked my online account for a payoff amount, which it indicated an amount of {$840.00}. I paid the full amount due and owing on XX/XX/10 in the amount of {$840.00}, which was the listed payoff amount. The following month, I received a billing statement asking for {$8.00} in interest that posted to the account on XX/XX/10 ; the same date of my payoff. I called the company to advise this was an error and they claimed it was per diem interest charged for each day following the previous month 's statement date. This statement is contrary to the system annotation received and to what is listed on the statement itself. Per the statement, this interest was billed after the payoff and subject to the full balance, which is misleading per the least sophisticated consumer.
XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.
After multiple disputes with XXXX XXXX XXXX, with every dispute coming back as a valid debt, I contacted Capital one directly. 1 dispute with capital one discovered that it was a fraudulent account. Attached is a copy of capital one 's letter date XX/XX/XXXX that says this debt is fraud. I also attached a copy of XXXX XXXX letter dated XX/XX/XXXX that says it a valid debt. 

Please remove from my credit files now. XXXX XXXX has refused to provided me with a copy of the original credit application and the drivers license on file, when I requested it. XXXX XXXX  has violated my rights as a consumer, by refusing to send me the information I requested. They also have violated my rights by not properly investigating if the account was fraudulent. 

Please remove now.
For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed. 

I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case. 

On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid. 

On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.
This student loan was taken out in my name fraudulently I did not attend school the year the loan was disbursed. I was living in another state.
On X/X/2017 I was issued a credit by a previous renters policy cancellation paid on a previous SunTrust debit card for XXXX. SunTrust is legendary for playing hide the refunds with my previously closed debit cards. This is why I no longer bank with them. Another case of money not credited. The insurance company has informed me that SunTrust did not inform them the account was closed. So, once again SunTrust has attempted to steal more money from me. <P/>Agent XXXX claiming she is n't aware of the card I 'm referring to. Call on X/XX/2017 she says my current claim will probably be denied because I do n't have the full card number. <P/>XXXX was refusing to listen or help in any way. As usual another wasted 30+ minute phone call. They ca n't even find the card I 'm referring to. They do n't know anything about anything.
1st I got a call from a place who said they were XXXX phone # XXXX they said they were filing charges against me for a payday loan that I did n't know anything about in XX/XX/XXXX-XX/XX/XXXX, I refused to pay told them it was n't my debt. I called my attorney because I filed bankruptcy XX/XX/XXXX My attorney said do not pay them because anything before XX/XX/XXXX would have been on filed on my bankruptcy. XX/XX/XXXX called me back I told them what my attorney told me. but they keep calling me back and threating me I finally gave in and paid them the money they took out {$190.00} a month for 4 monthsXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA XXXX XXXX {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- $ XXXXXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX XXXX {$190.00} Now have a place called TAG phone # XXXX XXXX calling and threating me on the same debt I Demanded the person give me her name, company name, and address. and I Demanded that they send me a debt validation letter by US mail. and she hung up on me, I then called back and talked to some one else I Then told him somebody else called me about the same debt and they threated me until I paid I told him that I was going to Call The F T C and he hung up on me
On   XXXX   XXXX   XXXX     I went to Chase to close my account with them and find out that another account was overdraw and ask the Ban k Staff a t the can I close this account once I pay the amount overdrawn I was told no I would have to wait to the cash, Cashier is process in order to close the account. I would like is ther e United State Federal Reserve and United States Federal Regulation regarding this that   state if I was to deposit money not matter it is Cash or Cash Check from another Bank that I would be required to wa it unto the transaction is clear. What are in the United States Federal Regulations about closu re of account and Fraud Account is it legal to hold the customer responsible for Fraud that happen in an bank account debit card and will the bank require to investigate convicted the individual that committed the Fraud many of the banks are make the customer responsible for these charges and what happen to FDIC  Insurance on Unit ed States Banks  Accounts an whe n you open account are the Bank inform customer of the FDIC  Insurance on accounts hand out legal documentation Please investigate ensure that Chase,    XXXX   XXXX   XXXX  ,   XXXX   XXXX   and  XXXX   XXXX  are process and conducting Banking Product according to United States Federal Reserve and United Sta tes Federal Regulations and do the bank supposed to issue Bank Debit and Credit on the spot or is this conce rn a temporary Debit Card because this is was the United States Banks are doing.
Reference : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXXAPN XXXXI XXXX XXXX am the legal owner, with recorded property rights, fee simple, absolute paramount interest to the marital property, community property, A grant deed and order from family law has been perfected in the registry of deeds. 
XXXX XXXX XXXX, ( XXXX ) XXXX which it call center is stationed in XXXX XXXX, and also holds an address at XXXX., XXXX XXXX XXXX, whom was spinned off from OCWEN Loan Servicing , LLC . 
Both OCWEN and XXXX claim they have a right to sell our family home online world wide web thru XXXX, and has connect our home to property I. XXXX XXXX. 
I have researched XXXX XXXX registry of deeds and did not locate any instruments that would give authority to OCWEN and XXXX to sell our home. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXX is an awarded asset in family law, the order has been perfected. 
I believe that a fair solution is to identity clean standing and produce true and genuine instruments ; A fair settlement, not just take my home. 
Comply with Consent Order and Homeowner 's Bill of Rights. 
It appears that my order from family law and discharge order bankruptcy has been refused by both parties. I provided all the required information, such as order from Family Law, Discharge Decree Chapter XXXX, Declared Homestead, Grant Deed, repeated times within the stated timeframes, no response or progress was ever made. 
To my knowledge Ocwen Loan Serving , LLC also XXXX have not filed any documents to establish foundation and enforce a debt, much more threaten to seize our family home. 

I request for a full, fair and complete investigation, under the supervision of an assigned Independent Case Examiner.
XXXX XXXX XXXX Collection acc 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late - Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department - Unpaid Status Updated XX/XX/2018 Balance {$710.00} Balance Updated Past Due Amount {$710.00}
We received a call from Freedom Mortgage our current mortgage holder offering us a no cost option to refinance our home because all of our payments were on time. The lender said that our new rate would be a at least of .25 % less then what we are currently paying and it could be even less then that if our credit was good. They sent us us back a denial letter. In the denial letter they said that our credit score was XXXX which we thought and were told by everyone is n excellent score. However we own rental properties. Therefore we have several mortgages. All of them have always been paid on time with never a late payment to anyone. However because our loan can not be sold on the secondary market we were denied If lender turn down people with XXXX credit scores and who are willing to personally guarantee their loans. I guess the only people who can get loans are people like XXXX XXXX, who has had many bankruptcies and never provides a personal guarantee.. Why are we who are truly credit worthy being discriminated against.?
I was charged interest on a recent credit card statement of XXXX which was onerous given that I had sent XXXX checks in the same envelope for the entire balance minus XXXX. XXXX check was for XXXX and the other check was for XXXX. I had made an error in my math as I normally pay in full which is why I noticed an interest charge. Given there was only XXXX balance remaining I was mystified that I could have accrued XXXX interest charge. After much repetition of their policy of charging interest on the average purchase balance I finally got the supervisor to tell me how that average purchase balance was calculated in my case. They applied the check of XXXX and for whatever reason, tho they posted having received the XXXX check as well on the same day, it was not included in the adjustment to my balance owing. Meaning, they calculated interest on a liability they did not have as they calculated it as tho the XXXX had never been received, tho it is clearly posted. They immediately credited me back the interest, but I was upset for all the people less fortunate than I who could have been unfairly charged, or do get unfairly charged all the time. Isn't it fraud to charge interest on a liability they did not have?
How could they do this? The resolution is not my being credited----they did that. Resolution for me is having someone explain to me how this is not fraud. And who and how and what gets to decide to credit the XXXX and not the $XXXX----if they were only going to credit one check before calculating interest, is it legal to only credit the check with the smallest amount paid in? What's up with that? The whole thing screams of fraud to me and made me sick to my stomach. Again, I am blessed and have the resources to pay in full and get "credited" when something snarky is done as I am a good customer, but what about all the others who are not so blessed, nor persistent, or just plain careful when they read their statement?