WillisBack/dataset-financial-user-claim huggingface dataset:
False Advertising - Citibank US ( Promotion Code XXXX ) Opened an account with Citibank with Minimum deposit of XXXX back in XXXX.Maintained the funds for 6 months now, Citibank promised to gave promotional bonus {$400.00} ( on maintaining the minimum balance for 90 days ) its been over 2 months when the criteria is Met. 

Still awaiting promotional bonus dollars. Filed a complaint on XXXX XXXX with Citibank ( Complaint # XXXX ). Supervisor XXXX telling me still it will take 30 business days to complete review of account and process once the verification is done. 

3 Visits to the bank and 3 phone calls, 6 months of account opening and still waiting for resolution on the case.Need help to resolve the complaint.
Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and XXXX knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really XXXX me off.
I am a victim of Identity theft. A police report and FTC report was sent to XXXX, Transunion and XXXX detailing the fraudulent accounts and information that needed to be removed from my account. This was sent certified mail XX/XX/XXXX. All three credit bureaus deleted the fraudulent accounts in XX/XX/XXXX after speaking with them last week XX/XX/XXXX and again this week after reviewing my credit reports. While reviewing my reports I noticed that they removed several of my accounts that were in good standing and was not apart of the police report or the FTC report. I told them they removed accounts that were not fraudulent and was told that they removed all accounts if they reported at any time with the address associated with the fraudulent accounts. I advised them that was not correct and to place my good standing accounts back on my account. I called again today to XXXX   in particular and was lied to this time and told my bank told them to remove it which is not true because I spoke with all of the creditors and they all said the information is being sent to the credit bureaus. I asked to speak to a manager and was told I could not speak to one and I could go into a voicemail and someone would call me back, which is another lie because no one ever calls back from any credit bureau. My good credit accounts were removed without my permission and they choose to keep on the accounts that showed any type of late payment that they felt might be correct.
What I said in my complaint ... 


To whom it may concern, I Disputed multiple inquiries online on XX/XX/2017 that was being reported on my credit. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
XXXX   XXXX   pulled my Equifax credit report twice on   XX/XX/XXXX  and  XX/XX/XXXX , and my  XXXX  credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after   XXXX   XXXX   pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.   <P/> I have sent a letter and made multiple calls  (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and y et they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inqu iries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   rem ain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>   XXXX   XXXX   must remove these inquiries from my Equifax and   XXXX   reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company
On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. M y credit score w as wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .
In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  three  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down my credit score. I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized 100 times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue   XXXX   of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. 

I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. 

Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. 

Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. 

Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 

2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 

3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 

4. No way I could know if I would have double cashback in 60 days. 

5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. 

They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.
I closed a home equity account with Union Bank in XXXX of last year. The Bank states " refinance your account with a new mortgage product with Union Bank.. '' ( letter dated XXXX XXXX, 2017, from Union Bank ) which was done in XXXX. 

However, the Bank continue to send statements bearing the account number from the old terminated account, and refuses to explain why. This old account had some undesirable features that I do not want to continue. When I request the source documents from the new mortgage account I get no reply.
I am not getting anywhere with the bank need to have the president of the bank try to figure this out the bank told me the payment would come down after one year but the payment stays the same it needs to come down the payment is way to high if this was you would you stand for this the banks customer service is not good as far as this also need the president of the bank personal office number so the bank lied to me saying the payment would come down which it did't please get in touch also i do n't want a relationship manager call me do n't get any ware with them need someone higher up like president thanks XXXX XXXX
I was contacted by a company by the name of Student Loan Processing Service regarding lowering my student loan payments. The company charged me an initial fee of {$240.00} ( approximately ) to begin the paper work to help lower my student loan payments. I was also informed that I would be charged a maintenance fee of {$39.00} a month. This would be to ensure that the company would monitor my loan payments and make sure they remained as low as possible. This was about XXXX years ago. So, for approximately XXXX years I have been paying them {$39.00} a month. I was just sent an e-mail XXXX days ago from a representative of the company informing me that the XXXX XXXX XXXX XXXX company had shut down and she wanted to know if she could now take over my account. I was puzzled because when I checked my bank records they were still withdrawing money from my account as recent as last month XX/XX/2017. Needless to say a red flag went off and I call my loan company. They informed me that their is no charge for applying for a reduction in my loans based on the income-based application I was currently on. So for the past XXXX years I have had money withdrawn from a company who I now have researched and found out to be a scamming company. Please help me. What do I do to retrieve the {$1400.00} dollars taken from me over the past XXXX years?
Date : XX/XX/2017 to date XXXX XXXX account attempting to collect a cancellation fee that is not owed and continue to add charges. 

Dispute, early termination fee. {$380.00} I transitioned to another carrier in XX/XX/2017. I did not have an open contract with XXXX at the time of the change. I paid our monthly bill up and through XX/XX/2017, when we switched to another carrier. The auto payment was terminated by XXXX as well as online viewing capabilities. XXXX refused to provide a final bill without an attorney letter. XXXX refuses to provide proof of contract to date. XXXX erroneously added the additional termination fees and the fees appear to continue to climb. 

The agreement with XXXX XXXX was to pay monthly fee for services on our 2 phone lines. There was a delay in paying the final monthly bill of {$160.00} on XX/XX/2017, which was paid upon proof of the final bill received by XXXX in XXXX, 2017. 

The delay from XXXX to XXXX in payment was because XXXX refused to provide a final bill after multiple attempts. Further, I had to hire an attorney to send a letter to XXXX on XX/XX/2017 to dispute the bill and provide the monthly statements ( letter attached ). XXXX has implied that I have a 2 year contract, I did not have a contract at the time of cancellation. I had our service with XXXX for over a decade and never missed a payment and was always on time with payments owed. I did not purchase a device on a plan in the past 2 years on either of our lines with XXXX. All of the phones we have purchased outright. According to the agreement, on XXXX there will be a XXXX cancellation fee for those customers who have completed the contract. When documentation was requested as to why the termination fee was applied, it was denied ; rather XXXX chose to engage multiple collection agencies, even after multiple attempts to come to a resolution. Many of the collection agencies hired by XXXX stopped collection efforts after XXXX could not supply them with proof of contract and amount owed. MRS BPO LLC have not stopped the efforts and have impacted my credit score. This action by XXXX has negatively impacted the credit score of well over 800 and is now seriously damaged. Addition to this, I hold securities licenses and this action has the potential to negatively impact my XXXX and has created undue anguish and could possibly cause even further complications with my employment. 

This letter serves as a complaint and dispute for erroneous cancellation/termination fees charged by XXXX XXXX. XXXX has knowingly and willingly refused to provide any proof of the debt they claim owed as well as all request to remove these erroneous fees. Most importantly the erroneous information has seriously impacted my employment, credit score as well undue time, energy and XXXX as a result of this situation. After a letter from my attorney, calls from me, letters and multiple attempts to resolve this issue XXXX continues to ignore and cause further damage to my reputation, career and financial life.
Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
I called NCC and made arrangements to pay a debt that I owed and XXXX XXXX continues to call me. XXXX XXXX calls me and he seems not to remember that he has called me. XXXX XXXX calls me all the time early in the am and XXXX and XXXX times a day. I have made a payment on the debt and stated when I was going to make other payments but XXXX XXXX continues to call me.
I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX
I received my mortgage loan XX/XX/XXXX and refinanced XX/XX/XXXX. The mortgage showed on my credit report until then but dropped off after the refi and I was n't told this was going to happen. I 've had over 4 years of on time payment history that is n't reflecting and I would like it back on my report. I called Chase who told me to call the XXXX reporting agencies. I called and they 're all telling me they can only report what 's given to them and if Chase does n't provide the info, then they can not report. Do I have any options at this point?
This company calls repeatedly including my work. I can not receive calls of this nature at my place of employment. Futhermore, I have no idea what this debt is for or who the original owner of the debt might be.
As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.
Transunion has made it impossible to activate " Security Freeze '' of my personal credit report. I have logged onto their site, where they heavily advertise their alternative " Credit Lock '' for {$19.00} monthly subscription. it take time to find the link to the Security Freeze option, which ultimately returns a 'technical error '' message, with a number to call. I have called the number, but that also returns a recorded message of 'technical error '. In short, Transunion has effectively block any method to security individual credit reports without using their high cost subscription service
My identity was stolen while I was stationed at XXXX XXXX, XXXX, in the United States XXXX. 
An individual residing at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX opened an account with XXXX using my SSN. I contacted XXXX and informed them that I did not live at this address and that I currently resided in XXXX not XXXX. They told me they would remove the credit inquiry from my credit report after I submitted the police report to them. 

I faxed them the police report and also submitted a dispute with Equifax about this inquiry, but about 6 months later the inquiry is still on my credit report. Equifax is also reporting this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX which puts me at further at risk for identity theft. 

I would like Equifax to remove this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and remove the credit inquiry from XXXX dated XXXX/XXXX/2014 from my credit report.
I opened a XXXX checking account with a promotional offer ( XXXX - receiving XXXX bonus AAdvantage miles after meeting requirements ) on XXXX/XXXX/XXXX. After completing the purchase and billpay requirement associated with the promotion in XX/XX/XXXX, I contacted Citi customer service many times inquiring about the status of the promotion. Each time I was confirmed that I had completed the requirement and was qualified for the promotion, and I was promised that the bonus would post within 90 days of the statement closing date after I completed the requirements, which is the XX/XX/XXXX. However I have not received the promised bonus miles as of XXXX/XXXX/XXXX.
I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX
This dispute was finalized and the creditor of the account has instructed Equifax to delete this entry from my account. It was opened fraudulently and is a causing a negative affect on my credit.
In XXXX 2015, Navient Solutions XXXX Inc. sent me a statement that did not appear to be correct. In response, I attempted to contact customer service and get a complete accounting. Instead of providing me with the documents, they reported me delinquent to the major credit reporting agencies. I hired an attorney and in XXXX, my attorney requested all financial records from Navient Solutions XXXX Inc., including identification of the lender holding the note. In response, XXXX XXXX sent me a letter threatening to file a lawsuit against me if I did not make a payment. They still have not provided me or my attorney with an accounting showing the amount of money that is owed.
I sent two certified letters to this collection agency. I sent an initial request after receiving a phone call that violated FDCPA by disclosing a debt to a third party. I requested the validation of the debt on XX/XX/XXXX as this account has been disputed for identity theft. I sent a second certified letter to this collection agency XX/XX/XXXX disputing the validity of the debt as the documentation received as validation did not include any evidence that this debt is mine. I also further filed a report with the FCC in regards to the identity theft and abusive and illegal collection practices this agency has taken which has caused me great financial harm. I am now filing a complaint with the CFPB, FDCPA, FCRA, and the XXXX   in regards to this claim. I have done my part as a consumer to notify this agency that this debt is invalid and I am requesting immediate rectification or I will seek damages via an attorney.