WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016, I opened a Citigold checking account under promotion XXXX. I have a screen shot I made showing Citibank accepting this promotion code. This promotion grants XXXX Thank You points for opening the account which requires maintaining a {$50000.00} balance and a bill pay on two consecutive months within 60 days. I fulfilled these requirements. On XXXX/XXXX/2016, after not getting the promised points, I contacted Citi and they opened an investigation. A few days later when I again contacted Citibank the representative told me they could not investigate further until 90 days had passed following completion of the requirements ( which would have been XXXX/XXXX/2016 ). I still did not receive the points, so I contacted Citi again on XXXX/XXXX/2016 and the supervisor said they would not honor the promotion. Since I opened the account based on the promotion worth {$400.00} and met the requirements, I would like Citibank to honor the promotion and award the points.
I have been dealing with this student loan for about 6 years now, originally through  XXXX   XXXX , then through  XXXX  and now through Navient. I paid my student loan off to the school,  XXXX , which is no longer a school anymore. I made payments in  XXXX  and  XXXX  of almost {$2000.00} and then more payments through those 2 years of about {$450.00}. I only attended that school for half of the program and am being told that I owe the entire programs loan amount.   I have tried to get in contact with Navient about what payment history they have for me, and to explain how I owe the money they are claiming, but no one will respond to me.
In  2011 I r eturned to California from  XXXX   XXXX  and wanted to have a utility in my name. I discovered that there was an extremely old cable bill from  XXXX  and I called the company. I explained that the bill did not actually belong to me. It belong to a roommate who had changed it into my name at the time we both moved out, leaving it ( unbeknownst to m e ) un paid. I was told that if I paid it in full immediately, it would be removed from my credit and I did so.It was subsequently, changed from account in collections to collections/paid however, they have never removed it. I have twice now, contacted the credit bureaus and made this request, the last time in  XXXX  of  this year. It is th e only derogatory mark on my credit file and I would very much like this company to show me something with my signature on it to prove that it is mine or remove it once and for all. It has been paid since  XXXX  of  2011 and although I paid it in full to avoid a utility deposit, it is not mine and needs to be removed as it is causing me to pay a higher rate on my car and my house.
I have contacted RBS Citizens on several occasions regarding my title. I am being told that my automobile is listed in repossessions. RBS citizens repossessed my vehicle over a year ago and payment was current. They refused to bring my vehicle back and I had to go pick it up due to their error. I contacted their corporate office today and was informed my vehicle was shown as paid off. When I asked about the title I was transferred again to repossessions. This even shows as a closed account on my credit report. I have found unexceptional mistakes that RBS citizens has made with consumer accounts. They expect consumers to just take it. The last payment was made in XX/XX/2016. I have not received a statement since and have been awaiting my title. Corporate shows it as paid off and my credit report shows this account as closed. RBS Citizens have been trying to avoid me and their mistakes are not my fault.
I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including Credit Control Services. I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.
On XX/XX/19 I tried to retrieve dispute results and view my credit report on Equifax 's website to find out that Equifax has blocked me all access to my dispute status and my current credit report from its website. Prior to me filling a complaint with the CFPB everything worked totally fine. 

I filed a complaint with the CFPB on XX/XX/19 because Equifax refused to address fraudulent data on my credit report. Equifax has constantly ignored my request to remove inaccurate information and now has punished me to be able to view my information real time because I filed a complaint against them.
I joined XXXX  to run a credit report for all three bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the three bureaus, however, XXXX and Transunion both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' Transunion even states that I had a serious late payment 1 year and 10 month ago, however, they could not tell me which account it was.

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those two bureaus.

I have attached the two reports and a screenshot.
I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Discover Bank. 

The root of the situation is that Discover Bank is reporting my credit card opened on XXXX XXXX, 2011 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Discover Bank. 

I have provided documentation to Discover for over a year, just to fall on deaf ears and not have any of my calls returned. 

Discover has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Discover. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Discover Bank send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - " Included in bankruptcy '' from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you.
Please refer to my previous complaint # XXXX. 
Rather than resolving the issue - this adamant and customer unfriendly bank ( US Bank ) simply messed up this issue further. 
1 ) Neither I have online access.

2 ) Nor I am getting paper statement or any kind of notifications. 

Due to my relocation plus issues ( mentioned above ) when i reported this matter - CFPB did nothing. Moreover this bank took further advantage of this situation. 

Rather than helping me they escalated this matter more. 
I want my money back and immediate closure of this account. I want US Bank to pay for the return check fees also. 

If CFPB can not do anything or be a mute spectator - please let me know whom to reach out to?
Citi Diamond Preferred has refused to notify XXXX my Citi Bank ending in XXXX is a closed account. Have disputed at lease 4 times and XXXX  will no longer take the dispute. Nor will they show this as a closed account on my report.
My mortgage was transferred, effective XX/XX/XXXX, from XXXX XXXX XXXX to DiTech. 

In accordance with the mortgage transfer instructions, I made a payment direct to DiTech for the payment due on XX/XX/XXXX. Payment was made via check, and was mailed, in accordance with the instructions, to XXXX. XXXX XXXX, XXXX, CA XXXX. As I did not yet have a DiTech statement or an account number I sent a copy of the transfer letter ( from XXXX XXXX XXXX to Ditech ) along with my check. 

Payment was made via check drawn from my XXXX checking account. The check was made payable to " DiTech Financial '', and was cashed by DiTech on XX/XX/XXXX. As I did not have a DiTech account number, I included my previous mortgage service ( XXXX XXXX ) account info on the check, thinking it would simplify the transfer completion. 

The check was for {$2900.00}, slightly more than the {$2800.00} due ; I had indicated on the letter included with the check that the additional {$40.00} was to be applied to the principal balance. 

I 've made 2 phone calls, to no avail, and I 've submitted 2 separate requests via DiTech 's customer service portal. During the phone calls, the customer service representative was absurdly rude and extremely condescending even as I explained I had a copy of the cashed check ... she insisted that DiTech did not cash the check. It 's absolutely egregious that almost XXXX weeks after DiTech cashed my check, my mortgage account has not yet been credited, and DiTech ca n't tell me what they did with my check. 

I 'm well educated ( XXXX ) and have a federal job that requires me to maintain a good credit worthiness rating ; DiTech 's mishandling of the mortgage transfer and inability to credit my mortgage account with a payment made weeks ago is putting my credit rating at risk. Also, end of year tax statements will be inaccurate due to their mis-handling of my payment. 

To make matters worse, as a result of my submitting a request for assistance via DiTech 's customer service portal on-line, I get a form letter that says, in part, that the communication is an attempt to collect a debt, from a debt collector. And, that they will reply in writing within 30 days. Unbelievable!!! Most ridiculous customer service model I 've ever heard of!! 

Put simply, I want the payment I made on XX/XX/XXXX, to be appropriately credited to my mortgage account, effective that day. This seems to me to be a very straight-forward matter ... I made a payment on time, DiTech cashed the check on XX/XX/XXXX and it still ( as of XX/XX/XXXX ) has n't been credited to my mortgage account. 

I have attached a front and back copy of the cashed check ( made payable to DiTech ), as well as a screen shot of my bank statement showing that the payment was drawn from my checking account. These documents have been previously provided to DiTech, as well. 

Please advise/assist. 

XXXX XXXX XXXX
I recently received a monthly statement from Key Bank with a {$50.00} annual membership fee. This account has been inactive for at least 5 years, probably 10 ( and the company is no longer in existence, but I am sure my name is associated with it ). I called their their listed number to get this charge/account eliminated. I spent 30 minutes on the phone in an attempt to get the account closed. I was told to visit a branch to do this and told them that is not possible. I waited on hold for 15 minutes for a supervisor, and was told that one would have to call me back.
I just want them to close this account which was never theirs in the first place. I do n't have the time or money to deal with this. 

How do I get them to eliminate this ridiculous charge and close my account?
Chase Bank is repeatedly assessing late fees to my mortgage account, when I have never been late on a payment in 12 years. I have been billed over {$200.00} in the last 4 years.
I had an old loan 8+ years old with XXXX XXXX . The account went to a repossession due. They would call my job, and family members constantly on a daily basis, even though I told them I could not receive calls at work. I also told them that my Family has nothing to do with the debt and to stop calling them. Approximately 1 year ago, I received information in the mail that XXXX was in a class action lawsuit due to violating the FDCPA and FCRA for calling me and thousands of other clients excessively. The were notified by the US District court to cancel all debts for clients included in the class action against them for excessive robo calling. What they decided to do instaed of following the courts ruling was to sell the illegal debt to a collection Attorney by the name of Jormandy at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, VA XXXX. Ph # XXXX. I told them the debt was noncollectable due to the courts order, but they ignored me and obtained a garnishment against me anyway. This is 100 % illegal, and I have found out on the internet that XXXX and this company have done this to who knows how many people. They have no legal right selling debts that the curt mandated are noncollectable. I want my money back and this off of my credit asap.
Hello my name is XXXX XXXX filing a complaint on a loan company called California Check Cashing on XXXX XXXX, CA. I just had a baby, so I am having a little hard times right now especially with hours being cut at my part time job. So, I decided to get fast money by taking out a pay day loan. My baby boy needed a few things. I was approved for {$200.00}. My loan is due XXXX XXXX, 2015 of {$230.00}. I have been calling since the XXXX trying to get a payment plan like they let me do last year in XXXX, because hours got cut even more because of seasonal hiring. The loan company refuses to allow me to do a payment plan. They told me I can only do it once a year and I did it last year, this is 2015 now. Mind you I pay all my payday loans back on time and I am a regular custimer there and they refuse to work with me. I asked to speak with a manager or supervisor she refused to ransfer the call. Very bad customer service there.
I am a veteran of the XXXX. As a benefit to me for my service, I receive free healthcare. The VA was my insurance for my prenatal care and labor and delivery. My son was born XX/XX/XXXX and the doctor that I chose for him made the initial doctors visit while we were still in the hospital. I received the bill from the doctor some time later and gave the doctor office the VA 's information so that they could process the claim. What I was unaware of was that the VA needed my son 's SSN in order to process the payment. I had no idea that the doctor 's bill was still deliquent until XX/XX/XXXX, 16 months after my son was born, until I received a letter from the collection company. I made contact with the collection agency more than twice and told them that I contacted the VA and gave them all the information they needed so that they could process the claim. I also told the VA that the debt was in collections and I was told that they " always do that, '' meaning the collection agency will continuously go after the patient until they receive payment, even though the patient has insurance. I got tired of letters and phone calls from the collection agency so I contacted the XXXX and made them aware. The final result was the collection agency not contacting me anymore. This issue has knocked off XXXX points from my credit score and the note says, " individual responsible. '' I am not responsible. The VA is responsible and the doctor will not get paid until the VA finishes processing the claim, however long it will take. I would like this issue to be removed from my credit report.
On XXXX XXXX 2017 My family member mailed a check via USPS-to Citi card, as payment to my account. On XXXX XXXX this check was cashed by citi card bank. I have an email copy of the check showing this. By XXXX XXXX my account had yet to be credited. On XXXX XXXX I call to speak with a supervisor, who is unable to find the payment. She tells me I must open a payment investigation & asks for all the info on the check-which I provide. I am told citi card will locate the check & credit the account within 4-5 days. She also informs me a conditional credit will be made until it is found. 

On XXXX XXXX I receive a letter from citi card requesting additional copies of both sides of the check, and complete bank statements -which I do not have access to ( as the check-was sent by a family member from a different state ) The letter threatens to erase the conditional credit & re-bill my account if I do not provide info by XXXX XXXX. Wow, Re-bill my own account a payment-which was already sent to them, received & cashed by them! 

Also note : This is my second payment investigation with citi card in 6 months. Another check I mailed was similarly cashed immediately but NEVER posted to my account. When I contacted them, they claimed it " lost '' and unable to be found for 6 months. Payment investigation involved a lengthy, time consuming, and costly process- requiring numberous faxes, service fees, phone calls & mailed documents to get my own check posted my to my own account. I am seeing a rather atrocious pattern of mishandling of payments. 

I have been a long time customer, making timely payments for years, with a good credit score. Citi bank does not seem capable of quickly crediting my account for the amount I sent, with the information I already provided to them. I am currently on XXXX and undergoing medical treatment, and no longer feel at this point they are capable of resolving this issue easily -which is what I expect from this company and why I have reached out here. 
Thank you
Wells Fargo re-ordered my transactions to post the newest, largest debit first and the oldest, smallest debit last so that the first would put my account into the negative and then charge XXXX {$35.00} overdraft fees. There were only XXXX debits. XXXX for {$4.00} and XXXX for {$20.00}. Wells Fargo purposely re-ordered the transactions to result in XXXX fees instead of just XXXX as the first was covered by my balance in the account. The second was a bill payment that they rushed through on the same day when it normally takes that payment XXXX3 days to post. So they rushed the {$20.00} bill payment through in order to incur {$70.00} in overdraft fees. I made a deposit of {$40.00} cash the next day and then discovered that the bill payment had already posted and incurred the fees. The previous month, it took 3 days for that payment to post to my account which is normal as I have been making that monthly credit card payment for years and it always takes several days to post.
According to Equifax 's security report on www.equifaxsecurity2017.com/potential-impact/, I am likely part of their privacy breach. To be as safe as possible, my partner and I assume that our private identifying information is no longer private. Equifax 's exact words were : 'based on the information provided, we believe that your personal information may have been impacted by this incident. ' I submitted my information at XXXXXXXX XXXX PST XXXX XXXX, 2017. I found it disgusting that they attempted to enroll me in their 'XXXX XXXX ' account service, which includes in their terms of service the condition that I waive any right to participate in a class-action lawsuit against them. I did not accept these terms. 

After receiving this confirmation, I got my latest credit report from XXXX and placed a free 90-day hold on my credit, to avoid new lines of credit being taken out in my name. However, my information will now be available to malicious parties for much longer than 90 days. Once personal information is stolen it can never be made private again. Permanent damage has been done. 

Equifax has irresponsibly mishandled my personal information, and the personal information of millions of other Americans. Their behavior thus far indicates to me that they are more concerned with their survival as a corporation than the very real damage that will be done to people 's lives as a result of their cavalier actions.
i was hit by a XXXX driver in XXXX and the ambulance fee wasnt paid in time but i was suing the insurance company to get all fees paid so the ambulance fee didnt get paid in time. im trying to get this off of my credit record.
Repeated call to my cellphone - One today from Portfolio Recovery Associates. The number they called from today ( XXXX/XXXX/2015 ) was XXXX. 

On two other occasions I have ask that no calls be made to my cell. One of the other call was from XXXX on XXXX/XXXX/2015. Requested for the second time no calls are to be placed to this cell number. 

In all three cases I notified that they were calling a cell and to never call this number again.
We have originally opened up a short sale file on the property for loan #  XXXX  on  XXXX / XXXX / XXXX . After numerous delays, we finally received approval on  XXXX / XXXX / XXXX . However, the offer had to be revised due to an appraisal issue. It is currently  XXXX / XXXX / XXXX  and  Wells Fargo  still has not offered us a revised approval/ decision quoting ongoing variance. Taking over 4 months for the new review has jeopardized this deal, and it should not take longer than getting the initial review!
Syncb/Care Credit aka Ge Capital Credit aka Synchrony Bank, account number ending in XXXX On XX/XX/XXXX Syncb/C.C. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and Synch/C.C. for verification. Over 30 days later on XX/XX/XXXX Syncb/C.C. recalls ownership of the account from XXXX. Then on XX/XX/XXXX Syncb/C.C. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
XXXX with the executive department refused to assist me, nor answer my questions regarding a fraudulent charge, almost three months ago. Key bank has not investigated the fraud, not shared pertinent information with me, so that I can defend myself legally, against false charges regarding this entire debacle. The person committing fraud, filed false police charges, Key bank said, " oh well, that's your problem and doesn't have anything to do with us. At all. '' Then XXXX copped a major attitude when I refused to allow her to berate and degrade me on the phone about my " many addresses '' and all sorts of outrageous things she felt entitled to inflict upon me. My address instability being the reason they have failed to do their jobs on a basic level, instead of mailing me requested documents that are needed for LEGAL PURPOSES, according to XXXX. Also, that she " would try '' to possibly get me the requested information pertaining to the fraudulent charge, which she clearly had no intention if doing. They have blatantly blocked me from vital information to my case, in particular, what was the ACTUAL AMOUNT of the fraudulent charge. They have been lying to me for almost three months now, that the person who victimized me somehow knew the exact amount in my account and only charged EXACTLY that. Well, that's impossible, and they refuse to answer the question law enforcement has asked me, WHAT WAS THE FRAUDULENT CHARGE AMOUNT? Not a good look.