WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 I contacted Citi online customer service as my account had not been credited with the advertised signup bonus for a Citi Thank You Premier card that I signed up for. The online agent was able to satisfactorily resolve my issue after several emails back in forth through XX/XX/2016. I then called Citi customer service and spoke with an agent, who said although she could n't help me, she would document my request and elevate it. I then later received a letter that my request was too old. Can you please fix that for me? I received marketing materials from Citi advertising a signup bonus for this card, and I met all of the requirements. I am a long standing good customer of Citi. I do n't think it fair to deny the signup bonus because this is taking a while to resolve ( through no fault of my own. Thank you!
In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016  XXXX   XXXX    XXXX / XXXX /2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX /2016- XXXX
THEY ARE REPORTING 90 DAY TO 120 DAYS LATE 3 TIMES I TRY REACH OUT TO CORRECT THE PROBLEM WITH NO RESULT THEY GOING FROM PAYING ON TIME TO 90 DAYS LATE AND IS EFECTING MY CREDIT SCORE.
I was unaware that a debt was sent to collections until after the company sent me a letter. They place this on my credit report on XX/XX/2018 after the original creditor sent it to them on XX/XX/2018 which is the same day I moved out. This debt was not even 30 days past due before they place it on my credit report nor was I aware that all of this has token place. I received a letter from the collection agency on XX/XX/2018.
In   XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please del ete inaccurate.    2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :   XXXX    6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Hello my story is simple. A female called Netspend ( a debit card ) company and had my card cancelled. Then had a new card sent to her address. Yes she had my personal info saved on her computer. Something I did n't know about. she was able to change security questions, user name, password etc. I was able to prove that was n't me who called. So the card sent to her address was cancelled and I was issued a new one. I did a police report and contacted credit bureau. I need proof she is the one who did it. So I called Netspend to send something anything showing all the notes on my account. They said no can do. So guess what. the lady will not be charged. No she was not able to spend any money but she still stole my identy to have a new card sent to her address. All I want was a print out of my account activity. I could n't get any help. All I got was I 'm sorry. Well I 'm upset just do to the fact that she know she got away with it cause I had no proof. Now she see. Me and smile or laugh in my face. I do not trust any debit card companies any more. I know it 's not their fault but aleast i could have gotten a little help just so she be punished for something. No I 'm not wealthy so I was not able to get a lawyer.
Stearns Lending, located at XXXX XXXX XXXX XXXX  XXXX, VA XXXX is a low budget, poorly managed company. I own many homes across the US and this is by far the worst company to conduct business with. The mortgage insurance depart failed to complete a simple mortgage e-bill with XXXX back in XX/XX/XXXX. As a result, the policy was cancelled and not caught by Stearn 's mortgage team until XX/XX/XXXX. Stearn 's sent 1 notification letter stating a cost 2X the market would be placed on my home for lapse in coverage retro dated to XX/XX/XXXX. I was informed that if I did not respond by mid XX/XX/XXXX, the policy was continue for the upcoming year. I was shocked and appalled by the lack of professionalism in the process as I spent >8 hours on the phone unpeeling the history and cause of this error. The results left me with on out of pocket lost of over {$1000.00} and continued frustrations. The error was not mine but I am paying an unreasonable rate for the gap in time that already passed. Stearn 's predatory practices allow them to pray on consumers trust and strip profit from both their mortgage and insurance departments.
My son, had a loan with XXXX XXXX XXXX XXXX, I am a co-signer. I was making payments on this account. My son, filed bankruptcy, and this company was made aware of the process, however, they did not show up and no one was there to represent this company during the process. I continue, to make payments. They added more money onto the account after the bankruptcy, I filed a complaint informing them that they were overcharging, why is there more fees, being added to this account for the car, the representative, reviewed the account and agreed, that there are extra fees, and stated that she needed to send the account for review. There are fees that should have been written off because of the bankruptcy, was added instead of being subtracted. In XXXX of 2018, we received an letter stating that there was a balance of XXXX still owed, on the car after the review. 
I contacted XXXX, and the representative, confirmed in order to closed the account, I needed to pay XXXX dollars. I paid the amount and was informed that the account was paid in full, and someone will contact me as to where the title should be mailed. After three weeks, I didn't hear from anyone I contacted them inquiring as to the process of receiving the title for the car. 
I was informed that I should allow another week. In XXXX, they reported on the credit report that this account was closed, then I received an late on the credit from this same company, I immediately, contacted this company in XXXX, 2018, I was informed that there was a balance left on the account. 
I explained that I called and also received a letter stating what was needed to pay this account off, I called and paid that amount. They also, reported on the credit this month another late, and the account is still showing closed on the credit. 
I still have not received the title. Every time I call, I am now getting the run around with this company. but the are placing a negative impact on my credit and my son 's credit. Yet, the car loan is still reported as closed.
I disputed a charge made on my account by a company who used deceptive and fraudulent tactics. I received a call from XXXX stating that I had a reward from XXXX and XXXX, they already had my credit cards numbers, telephone number and address which made me think it was legitimate. Such company said that I just needed to pay for the taxes which amounted to {$290.00} Then, I received the alleged award which really was a timeshare promotion. I did not agree to that. I disputed the transaction to Citi because it was a fraud. Citi denied the dispute even though I informed them that I was victim of a fraud.
I opened an account at CASE, put in about {$100.00} then after a few months they transferred my money to a different account or something and then started charging me a fee. My wife went into the branch and they did n't know why the account type or transfer happened but would n't refund the fees so she took whatever was left in the account out and closed the account. Now the branch says I have to open a NEW account for them to give me back the money they stole ... I went there twice but they gave me the run around and the wait was too long. Regardless, the transferring of accounts feels like a scam, why did they do that, how can they do it legally? Why ca n't they just send me a check?
I am a cosigner on a student loan for my son who became financially unable to continue payments. I went to AES in XXXX 2015 with a new direct debit form and again in XXXX with the same form. They continue to debit an account that has no funds in it, and every month my son gets an insufficient funds charge ( {$30.00} - which I pay ) and every month I get a threatening letter that my credit will be ruined and then I pay online through the account I am trying to get directly debited and then I call again and am assured the following month the correct account will be debited. I do n't seem to have any options, as written and aural correspondence has been ineffective. An attorney would cost more than the bank is charging and losing a .25 % interest rate just adds additional long term cost to the payments.
Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.
I have a Bank of America credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Bank of America customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ).
On XX/XX/XXXX, we purchased a XXXX  XXXX XXXX and traded in our XXXX XXXX XXXX, which we traded in ( through XXXX ). On XX/XX/XXXX, we were charged for our loan payment on the XXXX, which was financed through Wells Fargo Deler Services. We thought we would receive the money back in a timely manner -- This has turned out to not be the case. 

XXXX mailed the payoff check shortly after the purchase. Wells Fargo acknowledged their receipt of it on the XXXX of XXXX. 

Wells Fargo dealer services did nothing to notify us of the overage. We waited over 11 business days of radio silence from them, and then were forced to call. The recipients of our call were unable to ensure delivery of our check until well after the XXXX of XXXX because of their internal processes -- - Over 4 weeks after they have been paid, in full, on time, every time.

There was zero accountability on their part, and this appears to not be an isolated incident. It appears that the issue itself is systemic and that Wells Fargo is again taking advantage of consumers in ways that are unethical, if not illegal. Had I been late one time, they could have taken our car. Now, they are holding our money hostage as if it's no big deal. 

These shady, illogical, and asinine business processes amount to nothing more than a cash grab from hard-working American families.
We have a court order to remit {$35.00} per week to a law office on behalf of XXXX XXXX XXXX for a line of credit we had with them that we admitedly defaulted on due to being laid off and having XXXX medical issues. We have set up the weekly payment with our bank so that a check is automatically mailed every week. Regularly this debt collector holds checks for months and then cashes them all at once which is no problem as this checking account is only for this purpose. On several occasions, the debt collector has become impatient and has submitted a bank execution against us fraudulently - which we have even been to court on and had the court tell them to refund the amount of execution. Now they have sent us a form that they wish us to tell them about all our assets in hopes that they can escalate the payment of the amount we owe. We already filled out that form last year and nothing has changed so we are choosing not to fill in the form because as soon as we did last time, they drained all of our bank accounts for over {$6000.00} and then randomly drained them over and over throughout the year. We electronically pay on time every week without fail and they keep bank executing us to drain all of our accounts which has now caused us to go into default on our mortgage because money we had saved to pay our monthly mortgage payment has been executed for this debt collector. Also, when they bank executed us the marshal who " served '' us was permitted to keep XXXX of the amount executed for services rendered so in actuality, they bank executed us but our debt owed only went down a very small percentage once fees and interest were taken from that execution after the marshal took their cut.
When Cosco no longer accepted XXXX I walked into the store and was guided to an area where I signed up for a new Cosco credit card at which time the sales rep said the interest rate was 8 % and that was it so I believed them and signed up well when I checked my statement come to find out its 15 % and 29 APR which is something that was not told to me I called and explained that they was false and that I need my interest rate lowered and Citi Bank Cosco said sorry but they cant help me I am not rich and I have great credit but now because I was sold on lies they refuse to help and at least lower my interest rate at least to 10 % if not 8 which was told to me at the sales counter at Cosco I want them to do what was told to me at Cosco
On XX/XX/XXXX I checked my Trans Union Report and discovered Trans Union had put two negative accounts on my credit profile. The two negative items are from XXXX XXXX XXXX XXXX XXXX. Upon further research I discovered that the last update supposedly reported was on XX/XX/XXXX. This is absolutely bogus. I have a trans union report obtained in XX/XX/XXXX that will explicitly show that these two accounts were never on my report in XX/XX/XXXX as stated by Trans Union. These accounts did not appear on my account until after the XXXX breach. I tried to go on line to dispute these accounts but was not allowed by Trans Union. I request Trans Union remove these Bogus accounts immediately and not put them back in the future. Also Trans Union should be penalized for adding negative information without validating this information.
Upon logging in to my Chase online account I was presented with an advertisement that violates Section AA and the Federal Trade Commission Act by constituting an "unfair, deceptive, and abusive act or practice" (a.k.a UDAAP).  In addition, a nearly identical ad with the same UDAAP violation appears at this link XXXX Specifically, footnote XXXX of the advertisement states that "If...the checking...account is closed within six months after opening, the bonus you received for that account will be deducted at closing."  However, footnote XXXX in the ad only appears once with respect to the Savings account.  Therefore, someone only interested in opening a checking account would have no reason to read it, and might therefore unknowingly forfeit his/her bonus for the checking account upon closing it within six months.
I noticed this company on my credit report, i have sent Certified mail a Debt validation letter to request a copy where i signed or a contract i have with this company United Revenue Corp. The first response i received on XX/XX/2018 from them was a typed letter of Dr services from XXXX XXXX XXXX XXXX for {$270.00} nothing else to validate it was me. I sent out a second letter explaining this and i received the same response on XX/XX/2018 since then they have refused to acknowledge my mail or respond. i want this negative item removed from my credit report as it is affecting it negatively.
I have had a checking account, with a check card/debit card, and credit card with Bank of America for 18 months. I have always maintained my account ( s ) in the utmost financial responsibility. I have never had a late charge, over draft, missed payment, retruned deposit, or any other problem. My average deposits have never dropped below those required to maintain my account.

To the contrary, within the past 30 days, Bank of America has increased my credit limit from {$1000.00} to {$3000.00} without having requested it. The bankpersonell at the branch on XXXX in XXXX have praised my account and have been trying to get me toengage in other bank services. 

Social Security deposits my m, onthly benefit every month into this account. 

Out of the blue, with no explanation and with no reason, I received a letter from the Bank stating that my account ws being closed, incldiung my credit card for which I was just 3 weeks ago charged a yearly renewal fee, in 3 weeks. 

The Branch Manager and officer told me that they could find no reason for such action, and felt it was wrong, but could do nothing about it. No one can give me a reason for this action which will severly and adversely impact me and my SSA payments. 

This is egregious and wrong. By the way, I do not have a copy of the letter because the Bank Branch Manager has it.
I have had a very difficult time with Select Portfolio Servicing ( SPS ). I recently was unemployed for about 6 months. I am back to work and applied for a modification. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. After about 6 weeks, I was declined for a modification. SPS told me they would not allow me to do a modification. And the investor said the same thing. I have NEVER had a modification and this is the first time I have had any problems with making my mortgage payment. I can not believe that SPS is not willing to help a homeowner who is over the hardship. How can I be denied for a modification, when I have never had one?
XXXX Comenity called about a family member, responded to have number removed XXXX, XXXX, XXXX the same issue as above
My ex boyfriend took out loans with XXXX XXXX ( currently Navient ) and put me down as a co-signer without my knowledge. Navient calls me repeatedly throughout the day even though I have told multiple representatives that I am not making payments on these accounts. They have also told me these deliquesces have been reported to the credit bureaus.
I have a problem with XXXX XXXX XXXX, the loan belonged to my ex wife and not me, well, they had placed it on my credit report and it has been there now for many years. although it is not mine, and as of XXXX of 2016 it was suppose to be removed, and XXXX is refusing to remove it from my credit report!!!, as far as I know that XXXX went bankrupted, this is not my loan through them, can you all help me out?
I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. 

Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. 

Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!
I filed Bankruptcy in XX/XX/XXXX and it was discharged back then, but for some reason Equifax decided to update my bankruptcy in XX/XX/XXXX and now I do n't qualify for financing. By law they are not to damage my credit report after a discharged bankruptcy. My loan officer has given me a letter stating this fact of loan denial. I paid the price for my bankruptcy and now they still continue to hurt me!
I keep receiving debt collection phone calls from XXXX. When I call them back, they identify themselves as USI Solutions Inc most of the time, sometimes they identify themselves with a fictitious or illegible company name. When they leave a voicemail, they identify themselves a USI Solutions Inc. The calls are in regards to a XXXX account prior to their acquisition by XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. I told the debt collector that it was n't my debt and asked her to mail verification. She told me they were " not in the letter business. '' They wo n't even provide me with an account number for the alleged debt. I never received any verification or notification of rights. I called XXXX to try to verify the debt myself, and they have no record of it. They call every single day and if I attempt to communicate with them, they are very rude and talk over me with blatantly inaccurate information.
I have a Chase Visa, Account # XXXX XXXX XXXX XXXX. About 3 weeks ago, I went online to order an urgently needed item, XXXX XXXX bags. I found some on XXXX XXXX and ordered from them. I have never bought anything from XXXX XXXX before. I do not have an account with them. 

I saw on my screen that they took my credit card and charged my account. However, I never received the email with a receipt of purchase. Nor did I receive an email telling me the item was shipped. 

I contacted Chase twice via fax. Each time I asked them to clarify and provide me with the merchant contact info and to " freeze '' the charge while I was contesting it. 

I have gotten an endless stream of phone calls, nights, day, and on weekends, which I find to be extremely rude ( they call you Sunday morning and Sunday night ) rather than a letter telling me they are removing the charge and providing me with the merchant 's contact info. 

Please assist me in resolving this. 

The merchandise may or may not have shipped. It may have been lost or stolen. I do n't know and want to find out.