WillisBack/dataset-financial-user-claim huggingface dataset:
I received an offer from Citibank for {$400.00} bonus to open a checking and savings account. Terms were to deposit {$15000.00} in new funds within 30 days and maintain that in checking or savings for 60 days, keeping a minimum {$1500.00} in checking and {$100.00} in savings. 

* XX/XX/2018 account was opened. 
* XX/XX/2018 {$15000.00} was deposited ( ACH from another bank ). 
* {$15000.00} combined balance between checking and savings was maintained until XX/XX/2018. 
* I called Citibank and the CSR told me the bonus requirements were met and that I'd need to wait until XX/XX/2018 to receive the {$400.00} bonus. 
* XX/XX/2018 I called again and they stated they would research the issue, stating I'd need to call back in 2 business days. 
* XX/XX/2018 I called again and was told my " request was transferred to another department ''. 
* Another week lapses, then I called back again. CSR escalated to a manager. I spoke to manager " XXXX '' who said he'd call me back the following day after he contacted " the back office ''. He never called back. 

At this point, I believe Citibank has used deceptive marketing to lure me into opening accounts and maintaining a balance at a much lower interest rate than I'd get at competing banks. I feel this practice is unfair and I'd like Citibank to be compelled to honor the terms of their offer.
Me and my wife settled our dispute for my second mortgage with the PNC bank in XXXX XXXX 2017 because I paid the amount that I was asked to pay and I received the attached letter from the bank but the bank kept sending information to the three credit berus instead of terminating their report. We are trying recently to refinance our first mortgage to reduce our monthly payment but we could not because the requested companies are seing this problem on our credit report and they are considering the settelment with PNC as a disclosure on the house. I called PNC Bank and they refuse to help me and they told me to contactThe federal trade commission and they recorded my conversation with them. I need them to remove this problem from our credit report and stop sending any information to our credit report. I talked to FTC ( XXXX XXXX on XXXX ) today and I was advised to file this complaint against PNC, Thank you for your help. 

XXXX XXXX and XXXX XXXX, XXXX, XXXXXXXXXXXX
I opened a credit card with Best Buy years ago and had used it only for large purchases. Over the years the balance never paid down despite making timely monthly payments and going long periods with no use. When I went to investigate the bill I found I had been paying for a service that I did not want and for which I don't recall signing up. This had been a recurring charge that was about {$23.00} a month. Over the years this amounts to thousands of dollars that they got from me through this predatory scam of " debt protection '' all while I'm being charged interest on these charges as well. I called the company to dispute this service and to request a refund of the money they had taken from me. I was told that they would investigate my complaint and get back to me. I have no reason to believe that they will investigate themselves while advocating for me, the consumer, in this scenario. I feel I have been taken advantage of.
Bank of America continually refuses to honor my request to opt out of any overdraft protection or coverage. I do not want any transactions that might send my account balance into the negative to be covered. If/when they are covered, Bank of America is happy to charge me a {$35.00} overdraft fee. I do n't want this coverage. I want any transactions that would send my account into the negative to be REJECTED.
SUBMITTING HEREWITH ADDITIONAL IRREFUTABLE EVIDENCES OF FINANCIAL CRIME COMMITTED BY NATIONSTAR MORTGAGE LLC. 
PLEASE SEE ATTACHED. 
THANK YOU FOR YOUR INVESTIGATION AND SUBSEQUENT ENFORCEMENT OF APPLICABLE FEDERAL LAWS TO STOP THE PERPETRATION OF THIS COMPANY 'S WHITE COLLAR CRIME. THEIR " INTENTIONAL AND WILFULL MISCONDUCT '' FOR THEIR UNDUE ENRICHMENT IS A THREAT TO PEOPLE 'S LIVES AND A THREAT TO THE U.S. ECONOMY - AND WARRANT URGENT SCRUTINY. THANK YOU.
I had hardship due to divorce and becoming a displaced worker. I contacted OCWEN prior to my last day of work t start modification process in XXXX. The home is underwater and I have exhausted my savings during this stressful process. OCWEN sent me an informal appraisal dated XXXX/XXXX/16 and sent me a copy of the underwater values I have provided everything they have requested. They have lost information effecting correct NVP, missed phone appointments XXXX I have only spoken to my relationship manager on inital call. XXXX/XXXX/16 in the 7 calls following I have a different Agent ID #. I was told by an agent that the phone appointments are completed by an automated system so that calls are on time. However the first available agent will take that call. I have never spoken to the same person twice.I have the right to correct values on my denial ( they said I was denied because was n't behind and had enough assets to pay ) According to HAMP qualifications you do not need to be behind to apply. The homeowner Bill of right says we have the right to one point of contact. It also states that we have the right to appeal denial. I am at my wits end I have gone through every hoop and I DO qualify. They have show great negligence in the handling my request for modification. I have a paper trail including every ID # of agents and every communication. I have confirmations of scans sent and OCWEN stating they did not receive it.. They have missed phone appointments, lost paperwork, drained my savings and I am at the point I can not make further payments at the unmanageable rise in both XXXX and XXXX starting in XXXX from {$1100.00} to {$2400.00}. I have retained part time work at the school district but only get paid monthly. I have providied my first paystub and I have a long term supplemental assignment and sent them a copy of assignment from school district. I have waited an average of 2 weeks wait time to speak to my relationship manager and every time it is someone different. Please look into this matter I have sent my denial appeal package they lost and it was not accepted because my email was restricted ( have copy ) So I resent it again tonight using my other email and it went right through. ( have confirmation ) I complained they lost corrected values and I was actually blocked from sending additional information to XXXXXXXXXXXX. They are breaking every rule for customer service I have every experienced. 
I am highly organized and I have a foot of paperwork from last three months I need help because they are not responding to my request.
Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX.
I contacted the company asset recovery solutions llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX. I owed university of XXXX tuition, i had lost my financial aid. I made a settlement and payment agreement with them. I paid {$300.00} down on XXXX XXXX, XXXX. Then {$95.00} bi-weekly when i got paid would be debited out of my account until XXXX. this was done, so i believed the debt was paid i recieved no calls, emails, or letters saying otherwise. This was also removed from my credit report. I recently tried to re-enroll in university of XXXX and was told i still owed them and it went to another agency. i contacted XXXX XXXX, they said a payment didnt come out so they sold my debt. i was never notified and tey kept debiting my account for the remainder of the payments. they state that a payment in XXXX did not post. I know that they have to contact me when selling my debt, they did not. they kept debiting my account and never let me know a payment was missed until i contacted them when i couldnt re-enroll in college. they sent me documents about my settlement and my payment reciepts i am attaching them. thank you. 
sincerely, XXXX XXXX XXXX
When I contacted walmart regarding the interest fee on my credit card, i asked how much was the intrest fee and how often? They said to me it was every month and that is was only {$12.00} intrest a month. 
I believed it but always wondered why i owed so much money? I just received a new card and the app to log into my account and so i did, thats how i got to see they are charging me wayyy more for intrest than i can imagine and for every purchase i believe? 
My monthly payment is, every XX/XX/XXXX i always give my payment before the XX/XX/XXXX yet they still gave me a late fee on XX/XX/XXXX when i gave my payment XX/XX/XXXX!?!?!?!? I DONT UNDERSTAND!? 
So far i can only see my interest fees from XX/XX/XXXX its : ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$35.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee 37.51 & late fee XXXX ) ( XX/XX/XXXX interest fee {$36.00} ) ( XX/XX/XXXX interest fee {$38.00} ) And for this month i already paid {$100.00} on XX/XX/XXXX. 
The balance on my account does n't go down AT ALL! I will be attaching pictures and prove of what i am talking about i circled everything in different colors on the pictures ( Sky blue means : Month, Payment & Payment Date ) ( Yellow : Interest Fees ) ( Red : Late Fee ) ( Green Means : Not Sure What They Charged )
XXXX XXXX XXXX was suppose to be receiving payments under a debt program at a min payment of {$20.00}. The program messed up my payments and XXXX XXXX triggered an end to the program I was paying under and negatively reporting late payments to the credit score agencies when the account is up to date receiving payments.
On  XX/XX/XXXX  I received a voicemail from "  XXXX  '' at the number  XXXX . It was " regarding our location and tracing efforts for [ my name ] '' and " It is important that we speak with you in regards to their whereabouts. If we can not verify this information through you the law allows us to contact all references on file. If you are unable to provide any information please contact us regardless at  XXXX  ''. I called back and their greeting said " FMR '' I then spoke to "  XXXX  '' (? ) who had me confirm my name and last 4. They do have my full SSN and WA Driver 's Lic # which is frightening. He said I took out a {$370.00} payday loan through "   XXXX   XXXX   XXXX   '' ( never heard of them ) on  XX/XX/XXXX  with a bank account through   XXXX   XXXX   XXXX   as payback. I was in the middle of a bankruptcy at that time so could not have taken out any loans, and also I did not have a bank account with   XXXX   at that time. I also have never received anything in the mail about this supposed debt. I asked him to send me some documentation in the mail because the circumstances sounded suspicious. I have a right to receive debt validation under the FDCPA. He refused to agree to send me anything, got very abusive and would n't let me talk, and tried to bully me into paying right then and there. When I asked to speak with his manager, he refused and said he was putting me down as a refusal to pay. I tried to say if he would just send me documentation that the loan was legitimate then I could review it, but he basically said goodbye and hung up on me. I never once said that I was refusing to pay. I called back to try to get a different person and the same person answered and threatened to file harassment charges against me if I called back again, and hung up on me again.
I did some research into this " FMR '' and they are based in  XXXX , NY and their full name is " Forward Movement Recovery. '' They have many complaints and negative reviews on the BBB site, and many scam/fraud complaints on independent review sites as well. Also, according to this article,   XXXX   XXXX   XXXX   is not even licensed to do business in WA state where I have lived my entire life. http : //www.dfi.wa.gov/consumer/alerts/plain-green-loans-not-licensed-washington I will also be filing complaints with the Attorney Generals for WA and NY.
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.
Navient by far is the worst student loan provider. I am not available during their business hours to talk about the services of my loan. I received and email stating " the program I am entered in is ending XXXX 2017 ''. I took the proper action in writing to them asking how much my payments would go up -- as I can not talk on phone during their business hours as I am working and paid to do so not talk about personal affairs. I have tried for 3 days to get the amount of how much this loan will be going up. NO ONE has been able to answer my question. They all say to call even though I CAN NOT TALK DURING WORK HOURS. I have put in writing that if I am in auto pay that this new amount whatever it is ( since again they will not disclose nor on the website any where does it state what the new amount will be ). They do NOT HAVE PERMISSION to deduct any amount other then I agreed to of XXXX. ( which Is all in writing in several several emails as well ). AS no permission will be granted. I am looking for disclosure of my loans. If they can send out an email stating that this program I entered is going up -- some where on their site MY INFORMATION should be made available. But nobody is willing to direct me in any direction nor let me know where to look! As I am waiting for the end of the month to make sure THERE IS NO NEW DEDUCTIONS, as I have everything in writing.
In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/2017 ... this account was paid in full including interest for XX/XX/XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and sidley I'm the person being harmed.
On XX/XX/2018 a purchase was made XXXX for automotive fog lights for XXXX  XXXX XXXX XXXX and up vehicles through XXXX, the product is listed as being 100 percent compatible when the product was received they did not fit. I spoke with XXXX   they said I would have to pay return shipping and so I opened a dispute with XXXX XXXX on XX/XX/2018. They closed the dispute on XX/XX/2018 without contacting me, when contacting them they state a letter was sent over 9 business days ago which I have yet to receive. 

Part of their process was to open a XXXX dispute against the company ( # XXXX ) without letting me know or my permission. I was informed that I would have to pay the charge as a re-bill even though the product does not fit my vehicle, I reached out to the company one more time on XX/XX/2018 and sent them proof that the product does not fit, on XX/XX/2018 they responded and said they would refund the money and pay return shipping. When they tried to refund the money they were unable to do so that there was an open XXXX dispute. 

I spoke with capitol one on XX/XX/2018 at XXXX they stated they never opened the pay pal dispute and I would have to talk with XXXX. I contacted XXXX on XX/XX/2018 at XXXX and they advised me the dispute was opened by my financial institution ( Capitol One ) and it would have to be closed by them and they referred me back to Capitol One. 

I spoke with Capitol One again on XX/XX/2018 at XXXX and they transfered me to a supervisor and he told me the dispute was closed and they could not close the paypal dispute. 

I have no where else to turn to get this resolved, the company wants to refund me but can not because Capitol One will not close the XXXX dispute, and I can not cancel the XXXX dispute because I was not the party that initiated it Capitol One was. The pictures showing the issue can be viewed at XXXX XXXX XXXX
Debt was negotiated through XXXX XXXX. which was paid. Still reporting to credit companies that the debt is still owed.
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with Ad Astra, never signed a contract nor do i owe them any money
Navient is over charging me on payments for my student loan. When I initially signed up for this loan in college I was super uneducated about the simulations of obtaining a private loan. My grandmother was n't computer savvy and I should of just read more. We have been harassed over the years and the payments have increased. I know for a fact that I 'll be making these payments until the day I die. I work within the XXXX field but I also think there are simulations on whether or not I qualify for the Loan Forgiveness Program. There has to be a solution for my problem. Please help me!
My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! 
A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. 
My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. 
They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.
ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE '', SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING " MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL, ONLY THE CREDIT INQUIRY ON MY XXXX REPORT, WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK, INITIALS, OR ANY OTHER METHOD.
Sent Equifax letters for public record removal and also accounts that were listed that are not mine. They have my name listed wrong on my report and i cant get into the online dispute tool. All of the questions that they ask do not pertain to my credit file so how am i constantly locked out. They removed the XXXX bankruptcies and added them back. THEY ARE NOT MY BANKRUPTCIES. I have only lived at XXXX of the addresses that are listed also. I work late and dont have time to call in and dispute this info by phone. There are also multiple inquiries that were not obtained by running my social security number but someone elses that they have mine mixed up with.
I have been trying for one month to set up a Trusted ID account with Equifax after their security breach. I have spoken to three separate agents from Equifax for a total waiting time of 2 hours who told me a password would be sent to my email and that password was never sent.
Right now I have been on hold for 45 minutes with Trusted ID after having been given their number.
Yesterday a credit card of mine was falsely used, I believe because of the Equifax breach and yet I can not set up an account with them by email or phone. I believe they are fraudulent in promising credit monitoring for one year free because it is impossible to set up an account. I do n't think they deserve to be one of the three companies with access to credit reporting after this debacle.
My name is XXXX XXXX and I entered a local bank to open a checking and savings account. I was told that I could not open those accounts because Charter One has a record of me with XXXX. I have never had any accounts with Charter One..I tried contacting them but was told that they were now Citizens Bank, and that they were n't in the state of Illinois where I reside. Apparently Charter One moved out of Illinois several years ago before being purchased by Citizen Bank. I would like for Citizens Bank to remove any entries from my XXXX report. I can be reached at XXXXXXXXXXXX or XXXX.
I use a company call   XXXX   XXXX   for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.
According to the Fair Credit Reporting section 609 ( a ) ( 1 ) ( A ) your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract. Unverified debt must be removed I sent all XXXX credit agencies certified letters to either produce and original contract which they could n't on debts for XXXX and XXXX. The court case : XXXX V. XXXX ruled that you can not take information off a computer source to verifying the debt. This precedent was also included in my letter.
The credit card was closed on XXXX XXXX by the company. The balance owed at that time was estimated to be around {$600.00}. I have made a payment on the closed account every month. What I'm noticing is that the minimum payment is going up, late payment is charged along with interest. It appears that after an entire year of making payments, what I owed will never be paid off. I actually owe more. 

When I contacted the credit card company they explained that I will continually be charged interest on the amount owed and the minimum payment amount will change ( go up ) based on the balance owed and late fees will be charged when I don't make the full minimum payment amount. 

Well that sounds to me like the account isn't closed. They are treating this account as an active account. Plus they reported some of my payments as late payments to the credit bureau. I need a set minimum payment amount under {$75.00} to pay every month on this closed account. After all when the account was active the minimum payment was {$25.00}.