WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a Citigold personal checking account with Citibank , NA, pursuant to a promotion offering XXXX XXXX XXXX Advantage miles contingent on meeting certain requirements after opening the account. The Citi promotion code was XXXX. On XXXX XXXX, 2016, I sought to confirm with Citi, in writing, that the promotional offer was linked to my count. On XXXX XXXX, I received a response from XXXX XXXX XXXX stating that Citi confirmed my account was enrolled in the promotional offer. The communication went on to list out my progress toward completing the requirements ( XXXX out of XXXX were completed at the time ), and contained an affirmative statement that the Aadvantage miles would be credited to my account following my completion of the last requirement. On XXXX XXXX, 2016, via secure message, I again contacted Citi to inform them that I had completed the last of my requirements, and sought to know when I should expect the miles to be credited to my account. The Citigold representative ( XXXX XXXX XXXX ) responded on XXXX XXXX, 2016, in writing, stating that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. The Representative further stated that the miles would be credited to my Aadvantage account by XXXX/XXXX/2016. I accepted this as true, and after waiting over three months and still having not received the miles, I again contacted Citigold via secure message on XXXX/XXXX/2016 to inquire about the miles that should have posted. I received a reply ( from a XXXX XXXX ) the following day stating that Citibank now deems me ineligible for the offer, because, they contend, that this was a " targeted promotion to which ( I was ) not a participant. '' The Citi representative went on to state that though I met the requirements, this does not render me eligible for the promotion ( which is in direct conflict with what the other Citi representative told me three months ago ). Citi 's sudden reversal of position after confirming my eligibility and going so far as to tell me a specific date when to expect the promo miles to transfer to my account is a reprehensible act. They held out an offer to induce my business, I accepted, and even went out of my way to confirm that their records indicated that I had met the terms of the offer, and received such confirmation, only to be told three months later that Citi has now decided not to honor their offer. This is a classic bait-and-switch tactic. If I were truly ineligible for the promotion ( which I dispute ), I should have been told the same by XXXX of the XXXX different Citi representative that I proactively sought confirmation from in XXXX, 2016. If XXXX out of XXXX Citi representatives are n't able to tell whether I 'm eligible for a promotion, then how can I be reasonably expected to know? Citi should stand by its representations and honor the deal. The written correspondence is attached and is offered as evidence.
I was contacted by a Mr. XXXX on the behalf of XXXX & XXXX apartments. This was end of XXXX to late XXXX early XXXX. I stated to him that I did n't owe them anything I was never presented with a bill after I returned my keys. He then stated to me that it would go on my credit report and I would n't be able to rent another apartment. XXXX XXXX or XXXX. I received a call from my aunt who was a cosigner when I first signed my lease with XXXX & XXXX, but she did n't sign when I renewed my lease with them. She stated that this XXXX guy has been calling her about a debt I supposedly owed to this apartment company. I stated to her that she should n't have gotten any calls because her signature was only on the first year that I stayed in the apartment. I called Mr. XXXX over 6 times. When he finally answered I stated my name and went on to ask why would he contact my aunt and she had nothing to do with my business because she did n't resign the lease when I renewed with this apartment complex, so she should n't have been contacted. I stated that he has disclosed personal information and asked could I speak with his supervisor he stated no and hung up in my face. I called back repeatedly he finally answered I stated that he waa rude and unprofessional and asked could I speak with a supervisor. He transferred me to another man. I stated my name and what I was calling for he too was rude. I repeated how mr. XXXX was very rude and how he has been contacting my aunt and informing her on information that has nothing to do with her because she only signed for the first year of my lease. He stated to that he was n't aware of what transpired between mr. XXXX and I and how do I want to settle my account. Still speaking in a even tone my voice is slightly elevated but not screaming. I said to him so after all that I said to you Thats your response. He then proceeded to tell me that my aunt was contacted because she was the guarantee on the lease so she is liable. I said no that not right because she never put her signature on the new lease that I had so how can that be. I then asked to speak to his supervisor he told me repeatedly and he too hung up in my face.
I received a phone called at work from a XXXX at Asset recovery solutions. This person was very degrading and I spoke to me in a very condescendingly way. Then alluded to suing me for not paying my debt.
I filed a dispute with Experian about a account being reported by XXXX XXXX XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. Experian Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from XXXX XXXX stating I needed to contact XXXX XXXX but they are the same company according to the chamber of commerce in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between Experian and XXXX   are different also it is Reported under XXXX XXXX on Experian but tenant tracker on XXXX and XXXX this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX  XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/14 and XXXX XX/XX/14 there is no way this collection account is valid as I am in no way tied to this debt.
There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX  are this XXXX XXXX XXXX XXXX XXXX  as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.
I sent two wire transfers of {$500.00} and {$2500.00} to Coinbase ( coinbase.com ) on XXXX and XXXX, respectively. These transfers were supposed to clear in 1 day. However, despite a week passing and three emails to their support, the money is unavailable. My contacts have been unanswered thus far. 

Coinbase account : XXXXXXXXXXXX Wire transfers info : Item # : XXXX Amount : {$2500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day Item # : XXXX Amount : {$500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day
Several times they have called me at XXXX and I know they can not contact me before XXXX or after XXXX I have told them and they still continue to call at that time
On XXXX XXXX 2017, I received a debt collection letter from Global Receivable Solutions Inc. This amount owed is not mine and the previous collector closed this case and so now this Global company is doing the same. I do not own a XXXX machine. I have been a victim of identity theft. I sent a Debt dispute letter to Global Receivable Solutions requesting they provide proof and validate this is in fact, my debt. I asked them to send me a signed contract agreement, a detailed explanation of how they came about this amount and proof this is mine. This company is fraudulently trying to collect money from me. And so was the previous collector. They keep changing the debt amount and has failed to provide proof it is my debt.
I never received a thing but a summons from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent XXXX XXXX a letter before I sumitted my answer to the court here in Arizona. 

XXXX answered back with a motion for summary judgment. XXXX ignored my letter electing arbitration per Citibank cardholder 's agreement. XXXX forced me into litigation when a clause in Citibank 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO XXXX FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave XXXX a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet XXXX kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
Bank of America applies credit card payments to the lowest APR first even though there was a law passed in 2009 requiring payments be applied to the highest APR 's first
I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you.

1. XXXX XXXX   Reported :XX/XX/XXXX 2. XXXX XXXX XXXX   Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. SXXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 6. XXXX XXXX Reported : XX/XX/XXXX7. XXXX XXXX   Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX
I opened a checking acct with PNC Bank in XXXX XXXX ( XXXX XXXX Office ) on XX/XX/XXXX. The agent that I spoke with and made the initial deposit with was XXXX XXXX NMLS ID XXXX. Several months afterwards, I called customer service as I needed to edit some information on one of the payees that I had entered into the account. While on the phone with customer service they somehow eliminated my entire roster of accounts. I was told that they could not recover the info and I would have to re-enter it one at a time. As this rendered the account useless I went to PNC and told MS XXXX   what happened and that I wanted to close the account. This was on XX/XX/18. She told me the account was not open 90 days and they would have to charge me {$25.00} to close the account. I withdrew some money at that time and left some money in as I was not willing to close the account and pay the {$25.00} to close the account, essentially paying for PNC 's ineptitude. I returned to the bank on XX/XX/18 to close the account and was told then by MS XXXX  they needed to charge me {$25.00} to close the account as it was not 120 days ( up from the 90 days I was originally told ). After this visit I reviewed the paperwork I received with the account and there is no mention of any fee to close and account. Way too much razzle dazzle!
Experian has had MORE than 30 days to looking into my dispute and have not shown any proof per FCRA laws I have done my due diligence as a consumer and have exhausted all options. They need to delete my inaccurate accounts since they are unwilling to verify and " show proof, '' key word is " show. '' Simply printing it with the exact same copy is not verifying or showing proof. Attached are the the XXXX reports that show the exact same copies of reports where nothing was updated as they claimed. They also need to delete inaccurate personal information it is not historical when it is n't mine. Telling me its from other sources is illegal it is n't mine. I am telling you what is my name and address you ca n't tell me someone else told you who I am.
We are U.S. Military Veterans and previously changed Homeowners Insurance Companies from XXXX to XXXX XXXX in XX/XX/XXXX and the new HOA Premium amount and policy was sent into the Roundpoint Mortgage Insurance Department on XX/XX/XXXX. Also, we requested a new Escrow amount be calculated to lower our payments from {$4900.00} since the new HOA Insurance Premimum has been reduced to approx. {$1800.00} vs. {$4000.00} and have requested repeatedly to have this information reviewed. Also, an XXXX Representative called Roundpoint Mortgage on in XX/XX/XXXX as well and spoke to a Representative in the Roundpoint Insurance Dept and she duly noted the account and the XXXX Representative again faxed over the information to the Insurance department and the receipt of the information was confirmed. However, Roundpoint Mortgage is llegally causing an undue financial burden to our family by not adjusting the escrow amount to lower our monthly payment. 

Also, the assigned reperesentative - XXXX -for the Loan Modification process is very rude and abrupt when I had to repeatedly request her to explain what the Stop-Gap process was and believe they are not being very transparent on which program are actually available to Veterans while waiting for the Loan Modfication Process to be completed. Also, I believe they are unnecessarily causing a longated process to complete the modification request. It is very undue and their business practices towards VA Homeowners is very alarming! We should not have to go through this much red tape to request a loan modification. There was much impatience exhibited by my assigned representative XXXX XXXX. I also requested if she could help me get the insurance situation resolved with their department and she initially stated she could, but then reversed and told me she could not transfer me and to call back to the Insurance Dept. This is ridiculous, very non-proactive and this causing more financial burden to my family as well because the representative is not going the extra mile to help.
I 'm getting robo calls from a debt collector weekly since XXXX XXXX for a relation, XXXX XXXX. The automated voice says if I 'm not XXXX XXXX I should disconnect immediately. Well I 'm not XXXX XXXX and I 'm getting this voice mail every week and I need it to stop. I 've gotten a call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have tried to block this call and it still keeps coming through. 

I have records of these calls through my voicemail transcription service. This is what the first 30 seconds says. 

" Hello this is a message for XXXX XXXX. If this is the wrong number please call XXXX to have it removed. If you 're not XXXX XXXX please disconnect immediately. XXXX you should listen to this message in private as it contains private information I 'll pause you can do so this is XXXX XXXX XXXX with Windom professionals a court ... ''
I opened a PayPal account XX/XX/XXXX for an eBay purchase and have only used my PayPal account sparingly since then, never experiencing any issues until this XX/XX/XXXX. XX/XX/XXXX I sent {$100.00} to a friend using PayPal ( no different than I had ever done in the past ) and I assumed the payment went through because there was no reason to think otherwise. To my dismay, XX/XX/XXXX/XX/XX/XXXX, I received a call from a collection agency saying that I owed money on my PayPal account. Specifically, I was told that I did not pay back my PayPal line of credit, so in addition to the {$100.00} payment and {$3.00} PayPal convenience free, I also owed a {$25.00} late fee. I was upset because I never established a PayPal line of credit, and assumed that my PayPal account was linked to my credit card and/or bank account as it was in the past. This felt sneaky to me, especially since I had to pay a convenience fee to use the service, only to get burned with late fees later on.
Chase bank received my mobile deposit on XX/XX/XXXX they hold ck which is fine, XX/XX/XXXX available balance check cleared, I am at Chase trying to get money from ATM and they have restricted my acct on the possibility that check will bounce I have no neg history never have had history of neg at all with them. Yet I deposited a ck and my acct is placed on hold. I spoke to 3 ppl one says check funds will be available when my acct is off restriction next guy says he can't guarantee but check will be returned tonight last guy says my funds aren't available and they haven't received check back 5 days and they show available funds but funds aren't because acct is on restriction.
I have tried to resolve my payment problem with bank of america. But they keep giving me the run around. They have sent my account to their fore closing department ove r 3  payments which equal to {$3000.00}. I have applied for a home loan modification but was denied because they said my income was hire. I have appealed it and its in the appeal processing. I believe they are retaliating because of my past complaints. By Alabama law its suppose to be  17 pay ments past due and I have received a letter from them to still keep making my payments during the appeals process. They gave cancelled my payment plan of {$740.00}. I have tried everything to resolve this with them about them not applying my recent payments to my balance, when I have my checks that have cleared the bank.
BSI servicing company keeps harrassing me with threats to report my account to credit bureaus and tacking on late fees for a payment they have already received by failed to apply. Please see all attached evidence, statements, and copies of checks cashed. i have emailed and called them several times to remedy this, however their customer service representatives simply have no answers and offer no solutions. My grace period is the XXXX of the each month, my payment is {$110.00} and I always round up to {$110.00}, and I have never had a late payment in my LIFE! I am sick of being harrassed by phone calls from BSI EVERY day ( 3-5 times per day ), EVERY MONTH from the XXXX to the XXXX of the month when I have never paid late! 



BSI acct #
It has been two months that I have been asking for verification, still have an unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EXPERIAN Provide verification of the following company XXXX : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EXPERIAN. Cease and Desist all further communications and collection actives and provide the verification of the purported debt from XXXX.
My fiance and I both have individual credit card accounts with Synchrony Bank, along with one joint account ( account is in both our names ). I received notification from Synchrony that they had added two of my individual accounts ( accounts in my name only ) to my fiance 's online profile. This means that he has access not only to his individual Synchrony accounts and our joint account, but also to the account information for credit cards in my name only. Synchrony should NOT have exposed my personal information from my 2 individual accounts to him ; he did not have those account numbers nor my social security number, and did nothing to facilitate those accounts being made available to him. This is unacceptable and a mis-management of my personal information. I spent about an hour on the phone with Synchrony, explaining the issue to 3 different people. No one took ownership of the issue ; instead, they told me " it could n't happen '' ( in spite of the emails I received from them and confirmation from my fiance that those accounts were displayed to him as being able to add to his profile ) ; they also told me he could just delete from his online profile, if he did n't want to see my accounts. They are OBVIOUSLY missing the point and refusing to hear that they have violated my privacy by sharing personal/private individual account information with someone who is not listed as joint cardholder or even an authorized user on the accounts. I have no idea if this issue only occurs in scenarios where people share a joint account through Synchrony and also have individual accounts, or, if there is an even larger bug in their system where they are exposing my account information to people I do n't even know. Synchrony must be able to discern which accounts are appropriate to show an individual. Only the joint accounts should be exposed, along with only the individual accounts belonging to that person, and NOT the unrelated individual accounts belonging to the other joint cardholder. Synchrony needs to take greater responsibility in handling the private data of its customers, and most certainly needs to train their customer and fraud support teams to listen to and act on customer complaints when a privacy violation has occurred.
Nation start starts calling on the XXXX of the month 3 times a day. They push on me verifying personal information and they get very rude, when I tell them I do n't give personal information over the phone. I have told them multiple time that I cant talk due to being at work and they call right back. I have asked they contact me by mail only and they still keep calling me.
There was inquiry made by Wells Fargo on XXXX XXXX, 2017 by way of XXXX XXXX that was pulled by error. Enclosed is a letter from XXXX XXXX that was sent to Wells stating that fact that the inquiry was done in error. The inquiry still shows on my XXXX
Disputes and accounts where not verified no info that it was verified was sent to be by mail, they just simply stated that they will not Reinvestigate.