WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for Citibank 's Citi Gold checking account under a promotion that promised XXXX Thank You Points in return for originating the ( new ) account and meeting the eligibility requirements and a series of tasks. The eligibility requirements were : Possess a Citi credit card that earns Thank You points ( yes : Prestige and Premier cards ) You must be XXXX or older, ( yes ), New checking customers only ( yes ), Must open account before XXXX/XXXX/15 ( yes ), Must use offer code : XXXX ( yes ) Upon opening the account I confirmed eligibility with a Citi representative via secure message ( Live Chat ). 
To qualify for the aforementioned points, the new account holder needs to use the Bill Pay feature in his/herCitigold account to pay one bill for two consecutive months. I did. 
Upon completing these tasks, I confirmed that I 'd met the requirements with a Citi representative via secure message ( Live Chat ). She indicated that the points would post to my account by XXXX XXXX. 
When they did not, I started a series of communications with Cit via Live Chat and telephone calls where a determination was rendered that I was not targeted and therefore ineligible for the XXXX Thank You Points. I 've repeated the process of explaining the chronology and communication three times to Citi Gold representatives by phone, who indicate sympathy and acknowledge that the conditions for the reward were met, but then file a report with " the back office '' that generates a form letter that repeats the assertion of a lack of eligibility.
Multiple Lenders unable to pull Equifax Credit Report. 

On XX/XX/XXXX I contacted XXXX XXXX to become Pre-Approved for a Mortgage Loan. The Lender came back to me and informed me that we were approved, but the Equifax Credit Report was blocked or frozen. The lender informed us that they would need to access this for us to qualify and close on a mortgage loan. They received the XXXX and XXXX report without any problem. 

After contacting Equifax Customer Care, they informed me that there wasnt a Lock on my credit report and its the lenders mistake or fault. 

On XX/XX/XXXX we contacted a different lender for a Pre-Approval. They also told us that the Equifax Credit Report was blocked, but XXXX  & XXXX report came through no problem. We were approved, but they would need the Equifax report for us to close. 

On XX/XX/XXXX, I contacted Equifax again to inquire if there was a solution to my problem. Again they told me it was the lenders fault and there wasnt a lock on my report. I told them it had to be on Equifaxs side, because the exact same problem happened a 2nd time with a different lender. I asked to file a complaint and they transferred me to an Escalation Department. They told me it would take 7-10 days to receive a response. There is no way to follow up and they told me I would receive an email or phone call. No complaint number or anything to follow up on. I dont feel confident that a resolution will come from this process. 

On XX/XX/XXXX, I called Equifax again to see if I could get a different response and that I wanted to file a complaint again. They told me if they filed a new complaint the original complaint would be deactivated and push the response time further out. I told them not to do that. Again they told me it was the lenders fault with no accountability whatsoever. 
On XX/XX/XXXX, we signed an offer agreement to buy a home and the close is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I called Equifax to ask about the Escalation of our problem. They told me there was no way to look up the progress and I just had to wait for a response, again via email or a phone call. 

On XX/XX/XXXX, I paid for the Equifax Credit Monitoring and tried to pull my Equifax credit report and couldn't access my report. Please see attachment. 

Needless to say Im a little worried that this will not be resolved in a timely manner due to Equifax and we will lose the home that were buying. 

Any help that you can provide would be greatly appreciated! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Mobile : XXXX
In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ). 
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX. 
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?
I had gone on a  XXXX   XXXX   XXXX  vacation back in early  XXXX  of  XXXX . It was a  XXXX  night  XXXX   XXXX   (   XXXX   XXXX   XXXX  departing on  XXXX / XXXX / XXXX  at  XXXX  and returning on  XXXX / XXXX / XXXX   XXXX  with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ).      During the last  24 hours of my trip I purchased a {$25.00} USD  souvenir from the   XXXX   store. However, after the trip, I received my credit card statement with a charge that was {$2800.00} USD that I had not authorized! I immediately filed a dispute. Since then I have spent countless hours calling both the cruise line and Chase bank, as well as physically going into several  Chase bran ches in both   XXXX   and  XXXX  to try and resolve the issue. Every time I make a phone call, departments continuously make excuses saying " it 's not their departments responsibility '' and would transfer me to the next department. I have continuously asked both the merchant and bank to show me the proof of my signature and neither have been unable to provide any proof of signature!     Now, it has now been over half a year and Chase bank has just recently given me a deadline (  XXXX / XXXX / XXXX  ) to pay my bill. They also have charged me interest on the late payment and are threatening to send this to collections agency. I have continuously tried to dispute this with the result always ending in both merchant and bank unable to provide the proof of my authorization. I really am not sure what else I can do at this point and hiring a lawyer would probably cost me more than the money they are charging me but this is complete fraud for something I never purchased! PLEASE PLEASE PLEASE HELP ME!!!
The issue is summarized in this letter I am sending to Freedom Mortgage via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies. 

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by Freedom Mortgage. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Equifax remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
I am filing this complaint on behalf of my clients. XXXX XXXX of XXXX XXXX XXXX XXXX, New Jersey XXXX. They are from XXXX and speak a limited amount of XXXX. The clients retired and could not longer maintain the mortgage. Clients stated they attempted to sell the property but the market during that time was too low and they were unable to get their asking price. 
Clients state they asked for a short sale, but was never provided information on a modification or any retention programs offer. 
When they came to XXXX, they had received some terrible advise. They had filed bankruptcy, and had limited amount of savings. 
Once I investigated the information provided and back tracked to Penny Mac, what they did do to attempted to do to assist the clients I found the following : They were sent to a translator that only spoke XXXX as a second language, They were never provided information to obtain a modification, forbearance or mediation in a timely fashion. 
The attempts I have made to assist them has been met with phantom phone numbers to attorney 's and letter send after the fact. I spoke with Penney Mac to attempt some relocation funds in XXXX. The sent a letter when we clearly stated they would be out of the country to attend, to an ailing mother. So the offer expired prior to their return. 
The Client has been issued a eviction but was not Offered any assistance they could use in a timely fashion. 
I believe they are not acting in a fair business manner as it relates to these clients. I have tried to contact agencies in their area, the attorney XXXX XXXX and leave messages with no answer. 


Thank you for any assistance you may be able to provide to XXXX XXXX and spouse. 

XXXX XXXX. 
XXXX XXXX
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Portfolio Recovery Associates owns an account of mine purchased from XXXX XXXX, account # XXXX. They have listed this same account on my report twice once under Portfolio to XXXX and the other as XXXX XXXX to XXXX with variation of the same account number. I have disputed this several times and it has not been corrected. This has caused me to be denied for credit! Additionally, the instance reported to XXXX is factoring as an open account when it is a collection! This violates the FDCPA and because it does if it is not removed I will sue!
Date : XXXX XXXX XXXX. 
I logged onto the Transunion website to place a credit freeze on my accounts ( due to the XXXX  hack ). After answering all questions, the website instructed me to call them. I called them ( was on hold for 90 minutes ), going through their automated phone credit freeze, again answering all questions, only to be informed at the end that I needed to speak with one of their representatives, who ultimately told me that they would NOT FREEZE MY CREDIT, unless I did the following : Make a copy of my social security card, my driver 's license, and a bank statement showing my address. Write them a letter telling them WHY I 'm asking for a credit freeze, list my name and address and last 4 digits of my SS number, and MAIL it to them at : XXXX XXXX XXXX, XXXX, PA XXXX. Then, THEY will decide if THEY will place the credit freeze. The hard copies of my SS card, driver 's license, and bank statement becomes their property to be kept " on file ''. I also need to include a check for {$5.00} made out to Transunion XXXX 
I had no problems placing a credit freeze with XXXX or XXXX online, but Transunion is making it practically impossible, and incredibly risky for me to place a credit freeze with them! Can anyone HELP us poor consumers!!!
I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due X/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Diversified placed an adverse report on my Transunion credit report. I dispute that any amount was ever owed. Nevertheless I paid it to get it off my report. However, Diversified still reports it unpaid.DIVERSIFIED CONSULTNTS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Remarks. Here is how this account appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} DateUpdated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status :
Manager XXXX XXXX stated that the only thing TransUnion does is see if the name, address, social matches and if so they allow items to be placed in credit files, XXXX made me aware that he knows the FCRA well. I informed him that section 609 states that they must have on file the original contract signed by the consumer or delete the item. I sent in a sworn Affidavit that I never had an agreement with the XXXX. The item is masquerading as account to hinder my mobility in commerce which causes my family to suffer as a direct result of not following : whomever at Trans Union that handled the 2nd dispute stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. 

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Good Morning, I have been a Chase authorized user since for the past 13 years, I first opened my Chase account when I was a XXXX in fact because I had heard amazing stories from my parents about their professionalism, and how they truly cater to those bankers in the neighborhood. One of the best features for me as I got older was Chase Quickpay. It was an amazing tool to use being that I left XXXX to go to college out of state and was able to receive / send money back to my family in XXXX. As I 've gotten older it 's become even more beneficial as I have relocated from my hometown and use the function to send money to my family. Chase had this wonderful option which made me feel safe and secure that if for some reason I typed out an incorrect address or phone number I had a grace period where I can cancel the transaction, and the money would not be deposited into said account. I do n't know who is responsible for the decision making at Chase, but whoever thought it was a great idea to REMOVE that option and AUTOMATICALLY deposit the money into the 2nd parties account, really messed up. I sent a quickpay for {$740.00} to an incorrect address, I noticed immediately it was an incorrect address and notified chase as quick as possible. They said it would take about 3-5 business days to get a response or action on my claim and to keep my eyes peeled to my email address. The 3-5 business days had passed and I 'd yet to hear any thing back from the Bank, I called them myself to follow up and they informed me they would re-file my claim and get back to me. It has been a total of ( 17 ) days since I first filed the claim and I have yet to receive any type of follow up. I called Chase this morning only to be told that " Oh, well if you have n't heard anything back that means we ca n't help you, we do not have any Quickpay protection it 's up to the consumer to make the right decision. '' Seriously? That is the response I get? After waiting this entire time it took that gentleman 2 seconds to tell me this while the rest of the company has had me in Limbo? How can this be? How can you DELETE a function that protects your VALUED customers and then when an issue arises basically kick them to the curb and inform them that sorry, your money is n't our concern? How is this possible? I just want the situation rectified, I have complied with all of Chase 's demands and needs pertaining to this matter and yet there is nothing they can do at all to rectify the situation? How do you not plan for this or have a system in place to protect your customers. It 's crazy that after years of banking with them everything I thought Chase stood for it is actually the opposite.
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, TransUnion and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
I have been disputing these items through the credit bureau and they keep them on my report. There is a car loan listed through Capital One, that was updated on XXXX as a repossession on a vehicle that I still have and that is n't on repossession status that I still have and I am current on. Also, there is a credit card listed on my credit that does n't belong to me. I have never had a credit card ever, with Capital One. I need this removed off of my credit immediately. I called them to rectify this, but they say that it is n't in their system, but I have proof from my credit report on both issues showing this. I need this resolved asap.
I used my Chase issued Visa XXXX credit card a couple of hours ago in XXXX. My card product does not have any foreign transaction fees. However, after I came home a few hours later and now that I see the receipt on coming home, I see that the Merchant ( XXXX, XXXX, XXXX ) and their processing Bank ( XXXX ) and VISA XXXX have used a significantly unfair and LOW foreign currency conversion rate ( XXXX per USD ) versus the almost XXXX per XXXX USD. Per the VISA guidelines disclosed to me, VISA is supposed to use the BEST conversion rate on the day. Also, these entities have additionally charged me a 3.5 % Mark Up like a foreign transaction fee! My own Card company Chase does not charge me a Fx fee ; why is VISA, XXXX and XXXX adding on all these UNDISCLOSED charges to me? Please resolve ( Have ALL Merchants STOP this ILLEGAL surcharge ) and refund me the amounts ASAP. Chase Card Services is NOT in the wrong here at all, but instead it is VISA who has violated their terms and abetted such criminal activity.