WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}
Previously, XXXX/XXXX/2015 requested EqualFax to remove XXXX of Georgia since the last reported date exceeds 7 years, and by law Equifax needs to drop or delete this account ( See attached )
I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies
I have spoken with both Equifax and XXXX credit bureaus and both have stated that the information XXXX XXXX is listing as my reason for being declined is not correct. 
I have seen a copy of both reports and also do not see the reasons listed from XXXX XXXX.
I contacted XXXX  XXXX credit and questioned them about my 0 % introductory APR. I had been being charged interest on my purchases and wondered why. If you go to the website like me, I saw a specific line that said 0 % introductory APR for 12 months. This was the reason I opened the card. I was told over the phone that this only applied to balance transfers. When you look at the website, you see were they write about the balance transfer APR. Directly below the bolded balance transfer info there is another bolded statement that says 0 % introductory APR for the first 12 months. I assumed that to mean that this meant upon account opening on all purchased items. Ive taken a picture of the website so an official could review the writings and misleadings. I feel that the marketing trick here was to bait me into believing it meant on purchases and balance transfers with the use of separate lines in bold on the website. I wish to have what I believed I would receive which is 0 % APR for 12 months on all purchases. Thank you for looking into this scheme.
I was viewing my credit report and noticed that my XXXX XXXX XXXX  stated credit line closed-grantor request reported by subscriber. I never closed this account in fact I was going to be using it this Spring. I realize when something is reported as closed it does affect your credit score.
Today, XXXX XXXX, I noticed XXXX reduced my credit limit after Transunion reported to them that my credit score is much lower than it was six months ago -- XXXX points lower. And I have never been late on payments this year. Or last year. This is a travesty, and I will get a lawyer to sue XXXX, and Transunion for doing this repeatedly over the years. I have hired an attorney previously who managed to get my credit score increased across the board to almost XXXX. Now XXXX score is listed as : XXXX. Absolutely mind-boggling. I 've had it! Gon na take legal action now. But CFPB should intervene here.
I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. 

Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. 

In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. 

Please Help!! 

IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
I contacted One Main in XX/XX/2018. I have asked them to provide me with specific information regarding the said account. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. I have previously informed them that my ex husband XXXX XXXX is responsible for the debt as stated in our divorce documents. The debt was incurred through identity theft and deception. I also has insurance and liability on this loan in the case that anything should happen. 

I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
I had to research the phone number to discover who the company was. They continue to call my cell phone with a dialer ( There is a long pause and click before a human comes on the line ) despite the technology that allows them to identify the phone number as a cell phone.
Ongoing connectivity issues to online mortgage account with LoanCare servicing. I 've been experiencing many problems being unable to access my online mortgage account to download statements and pay my monthly mortgage using online payments. Additionally, when this happens and I place a call to the mortgage servicer I consistently have unusually long ( 30 minutes ) hold times before I can actual speak to someone to attempt to address these issues.
In XXXX I applied for and rejected a HAMP modification with my mortgage servicing company Ocwen Loan Servicing. They never canceled the modification after XXXX conversations and XXXX letters to the company. Upon making my XXXX payment per the online system in the amount of {$650.00}, which has cleared my bank account. I am now being told that Ocwen will report my loan as late as there is a balance remaining for XXXX in the amount of {$170.00}. Keep in mind in 10 years I have never paid a late mortgage payment and I have always paid my mortgage on line. No where in the online system did it state that my payment was anything more than {$650.00}. I have recently received my current billing statement for the month of XXXX and it states a total amount due of {$1000.00}. My normal mortgage payment is {$880.00}. When I call the automated system I am provided the following : payment for XXXX received {$650.00} ; Payment for XXXX due {$650.00} ; Payment to change XXXX/XXXX/15 from {$820.00} to {$880.00}. Ocwen can not get things straight and they are pushing it off on me. How do you get that I owe {$1000.00} when my mortgage payment is {$880.00}. 

Further, I am in the process of refinancing my mortgage and have requested a payoff statement which Ocwen is refusing to send or claiming they have emailed it yet nothing has been received.
This company continues to call my place of business stating that they are going to serve me papers and I do not owe them any monies. They have spoke with my employer and she has asked them not to call the office any more and they continue to leave messages and harass me. They threaten to embarrass me in front of my coworkers.
The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever
According to Equifax my personal information has been potentially stolen through their cyber security breach in 2017.
Good afternoon, My complaint is against Receivables Performance. I have a debt with XXXX which was {$1900.00}. I have the debt due to switching providers. However, the new provider was suppose to pay the phones off. Because of the time of waiting for phones to be paid by the new provider, I am assuming that XXXX sent this collection to Receivables Performance. I did have contact with RP, and I spoke with them about waiting for the new provider to pay off the debt or the phones owed. Because the process was delayed, I agreed to set up payment arrangements in XX/XX/XXXX and XX/XX/2018 for {$200.00}. The first payment was successful, and the XX/XX/XXXXpayment was changed to XX/XX/XXXX, which was also successful. However, during that time of the last payment arrangement, Receivables Performance sent a derogatory remark to XXXX, which took my credit down. I called RP, and asked them why since I did send two payments. In the midst of the conversation, the Supervisor XXXX explained that I was late and changed payments. I told him that I only changed one payment and that was for XX/XX/XXXX. However, I found out that Receivables Performance is not licensed in the state of North Carolina to ask for me to pay them this debt. I spoke with them about this, and each time they will hang up. The last conversation I had with a supervisor, she lied on the phone about me calling and having a conversation with them on XX/XX/XXXX and eventually she hung up as well. Because this collection agency is not licensed to collect a debt for the state of North Carolina, I believe that they should delete and remove this derogatory remark off my credit.
As I am now looking for an apartment to purchase, I noticed, much to my surprise that there is Collection Item on my Credit Report. I am in the process of chasing it down and have discovered that it originates from a company called XXXX. I am extremely annoyed by this as I HAVE NEVER received bills from this company and now I find that a large amount is in collections and I am very concerned that this could effect my credit.
I applied for a store credit card last XXXX 2015. I never received the card or any billing statements pertaining to the application. I contacted the card issuer to inquire as to status and they informed me that they had my address incorrect. Thereafter, I provided them with an updated address. In response, I was told that they would resend the card and billing statements. Approximately, some time in XXXX I called the card issuer again because I still had not received the card. In response, I was then told that the address was not entered correctly in their system and that they would update the address and ensure that I received the card and billing statements. They informed me that at the time I had a balance on the card due to the store purchase. I, therefore, paid my balance for the store purchase. However, I informed them that I did not believe that it was fair that I should have to pay late fees and interest when they had failed to deliver me billing statements. In response, I was informed that all late fees and interest would be waived. XX/XX/XXXX, I recently learned that I have a balance for late fees and interest due to the prior balance on the card. I immediately called the representative and informed her of the history regarding the failed delivery of the card and the billing statements. In response, she was very rude and stated even though I had not received a card or a billing statement that I was responsible for going online to view my balance. I asked her how I was supposed to do that without an account number and a card to set up an online account. She then became belligerent and repeated that regardless I am responsible for the late fees.
About 5 years ago my daughter attended XXXX where they required a large upfront payment over XXXX dollars and the program was for several months. Each week she would have to make a payment prior to class and the financial arrangements were to be completed by the end of the class. My daughter graduated from the school and really it was a joke but that 's not the point. 

I recently pulled my credit report back in XXXX of 2016 and disputed this collection only to be met with no verification of debt but a simple consumer disagrees. I have sent disputes to the credit bureaus and letters and would like this issue resolved.
Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Your last response to our complaint you had stated you have not tried to collect the debt and that you have validated the debt ... XXXX and I received a notice from your agency yesterday in the mail, stating " this is an attempt to collect a debt '' Also has the information on how to pay your company and contact your company to pay the debt or make arrangements. To me this seems as if this is attempt to collect debt and you are not licensed to collect in the State of Utah. Secondly I asked that you provide us with full accounting information of the debt, supposed signature from XXXX and myself, full proof and validationof this debt. You mailed us the attempt letter with the copy of the judgement paper. This is not  validatingthat this debt is ours. I am going to ask that you either 1 delete this from our credit reports or 2 send us TRUE and VALID debt validation with all accounting information, application information, signatures, and  proof. Thanks,
There is a bankruptcy on my experian credit report in which experian indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
Transworld Systems continues to call us on a medical debt that the source hospital says does not exist. We have been demanding a validation of this debt for three years and have HAVE NOT received any validation yet the company continues to call us even while admitting to us that the account is in dispute. The process is always circular, the calls are non stop, and we cant get any validation or resolution regardless of what we do or say so we need intervention. 

Thanks.
Walmart allowed someone to open a credit card in my name with my social security number, a different address than my own. I called to have them cancel the card and remove the inquiry from my credit report. 
It is now on my report as lost/or stolen making me look irresponsible ... 
I want the whole thing removed!!! 

It was opened fraudulently!!!!!!!!!!
XXXX ( name of company ) called with a partial robo, partial human call. Name and case number were robo. " Serious matter with you personal information ''. Need statement from me or my attorney. Number to call is XXXX. Or hit XXXX for a rep. I have had numerous similar calls. All the same type of XXXX. They go for a couple of weeks, then stop for months at a time. I know this is a scam. Alleged company is based out of California. Call at all hours. Getting really old. Thought this was done. First call in almost XXXX months.
I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered XXXX turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. I have contacted both companies several time with no prevail. As of XX/XX/XXXX XXXX has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from XXXX, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.
I have a condo mortgage payment with Nationstar mortgage company. Nationstar mortgage has placed flood insurance into the escrow payments on my current mortgage payments. The flood insurance that they charged me for is for the entire building, not just my condo, which increased my monthly payments by {$620.00}. Flood insurance is paid by the condo association of my building and was paid in full in XXXX 2015 for the year. Nationstar collected money from me for this payment for the flood insurance for the entire building even though it was already paid in full. I make the monthly mortgage payments each month, but due to Nationstar 's inaccurate billing they are saying that my account is delinquent, when in fact it has been overpaid.
I purchased and placed {$100.00} onto a " Reloadit '' card. In going to access my already established 'safe ' account, the site states that it can not connect to the service at this time. ( www.reloadit.com ) I have been trying this since XXXX. I also tried to call the number listed and get nothing but 'dead air ' ... no ringing, no anything. ( XXXX ) I am needing to transfer this cash to a pre-paid debt card to do as I need ... like buy xmas presents! ( and bills, XXXX, etc ... )
After being discharged from bankruptcy on XX/XX/XXXX. This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of XX/XX/XXXX thru XX/XX/XXXX. None of which is true. I have lived in the same complex since XX/XX/XXXX. They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??
I originally received a debt notice a few months ago from diversified consultants regarding a XXXX debt. I then in writing sent them a letter disputing the charge and asked for a detailed breakdown of the XXXX internet charges. 

Then they mailed a letter to my work, which was opened by a mail room employee to see my collections. the letter was put on my desk. Attached to the letter was a copy of the XXXX bill which clearly listed my house address on it.
I AM XXXX XXXX XXXX AS EX HUSBAND LAST NAME IS XXXX as divorce on XX/XX/2012, ALSO HE STEAL MY SSN NUMBER AND ADDRESS SO HE IS REAL XXXX XXXX XXXXXXXX XXXX SSN IS XXXX XXXX XXXX AND HE STEAL MY SSN CHANGE BLAME ME I HAVE TO PAY FOR THOSE 2 THINGS OWE FOR XXXX XXXX XXXX AND CAR PAYMENT ( XXXX ( SP ) SO PLEASE CHECK UP AS INSPECTION HIS PHONE IS XXXX XXXX XXXX AND XXXX XXXX ( EFFECTIVE COMMUCIATION ON VP WITH INTERPTER .. TKS HE REFUSE PAYMENT THOSE HIS PAYMENT OF TWO THINGS AS WE ALREADY DIVORCE PERIOD HIS ADDRESS IS XXXX XXXX XXXX, XXXX XXXX NC XXXX U HAVE ALRIGHT TO ARREST XXXX XXXX XXXX NOW .. HE NEVER LISTEN AND INGORE THEM SOMEONE TRY TO CONTACT AND INGORE THEM AS OWE PAYMENT LET U KNOW THANK U PLEASE LET ME KNOW MY NAME XXXX XXXX XXXX XXXX XXXX XXXX IF PROBLEM CALL ME QUICKLY I WILL GET LAWYER ABOUT IT ... 
MY ALREADY PAYMENT FOR XXXX CONSUMER PAYMENT PAY OFF THOSE AND ANOTHER XXXX XXXX XXXX HIS NAME ON TOP THAT ALL HE BORROW MONEY AND GET CAR THAT WHY HIS RESPONSIBLE THAT ALL AS VOWS PERIOD .. 
PLEASE HELP ME AS SOLVE DOWN
I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$140000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly XXXX to verify my actual income and stated what it was instead. The current mortgage/note, XXXX XXXX XXXX Bank and also with Bayview loan servicing # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX, my S.S. # is *********** D.O.B. XX/XX/XXXX. XXXX XXXX XXXX Bank and Bayview Loan Servicing XXXX committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.