WillisBack/dataset-financial-user-claim huggingface dataset:
When I received an email from Citibank on XXXX informing me that I was eligible for a {$500.00} Checking offer if I complete qualifying activities, I called Citibank immediately to clarify that I was eligible for BOTH the XXXX Thank you points and the Checking {$500.00} offer. The representative researched and ensured me that the offers were unrelated and that I was eligible to receive both, assuming that I met the requirements for both. I specifically signed up for direct deposit on my account only because I received this information from the representative that day. 

I then received an email from Citibank on XXXX that I was ineligible for the {$500.00} because I did not sign up for Direct Deposit, though I did sign up for Direct Deposit and satisfied all of the other requirements of the promotion. 

So I called Citibank on XXXX ( at XXXX XXXX CST ), and the representative indicated that I did not set up Direct Deposit within 30 days and that is why I was not eligible. I indicated that this promotion indicated that I needed to set up direct deposit for 2 consecutive calendar months after opening the new account not within 30 days like she indicated - so asked to be transferred to a supervisor. 

That supervisor, XXXX, indicated that she reviewed my account and she would escalate and that she expected that would receive the {$500.00} once the case was reviewed. She also told me she could not assign me a case number, but that I would hear back from her specifically on XXXX or XXXX. She never called me back on either day. 

Since I never heard back, I called Citibank back again on XXXX. I spoke with XXXX ( Team ID XXXX ) who indicated that he would be putting through an exception for me he was able to find some notes put in by XXXX - and he also agreed that I met all the requirements of the promotion. 

Now today on XXXX I receive an email from Citibank with a different reason as to why I am not eligible for this promotion no longer that I did not set up Direct Deposit as stated in XXXX original email, but now that I received XXXX Thank you points already. As I mentioned, I called Citibank once I received email promotion to confirm that I was eligible for both the points and the {$500.00} award - and in speaking with 4 people at Citibank one of which was a supervisor none of them indicated that I would not be eligible for the promotion because I already received Thank you points. 

I am extremely disappointed that I have spent multiple hours on the phone with Citibank at least 45 minutes per person - trying to get the {$500.00} that I was specifically told I was eligible for originally. 

I am asking Citibank to please reconsider awarding me the {$500.00} since I have satisfied the requirements of the promotion. If I was not eligible, I should have not been sent the email telling me I was, and the representative should have told me I was not eligible when I called originally. Since all of my phone calls are supposedly recorded, I would ask that you please refer to these.
Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.
Respectable Srs, For some time I have been receiving a number of unwanted emails and calls from agencies offering help with my educational loan. Given that I have been in financial difficulties and it has been impossible for me to finish paying and after hearing so much about them, I decided to return the call to one of the many who contacted me. That 's how I got it contact with XXXX. I was distrustful at first and I was thinking about it but I felt pressured because they said that I needed to act fast before Trump changed the law that Obama had implemented. In the end they made me believe that they had some connection with the Department of Education given the advertisements they use and EMails I received. They really seemed very legitimate and therefore would be a great opportunity to get my debt forgiven. They use the terminology '' relief '' and '' forgiveness '' to attract and deceive by promising help in erasing or forgiving student debt. They started by seeing if I really qualified and after a series of questions I got the surprise that in did I was eligible and that I could benefit by reducing my debt to " XXXX ''. The great detail and error of my part was that the only way to pay for this " Service '' was through my bank, they told me that there would be {$50.00} payments for a year to complete the payment and the result would be " XXXX '' Debt. To start the process they charged me {$150.00}. I continued with the idea that they were working on my case. After three months I realized that a debt report appears in my credit to a certain Equitable Acceptance of which I never heard or knew of and who not only damaged my credit but when I called them they were demanding I pay them in full to withdraw the report, that 's how I knew that they had bought my contract that I did not even sign and which they got from student advisors without my signature because at this point I never visited the page where they told me I had to sign. After researching the Internet and calling the Education Dept. I found out that not only my loan was still there and that all they did was fill out some documents to consolidate my loan, so that I wouldnt have to pay temporarily or pay less, but the interests continues accumulating. The saddest thing is that when this process could be done for free, Student Advisors are charging almost {$2000.00}, which is still an extreme Ripp off of which I have been a victim as many hundreds of others and for which I ask for the support so that Equitable Acceptance stop charges to my bank account immediately and reimburse me back the {$390.00} because they have scammed me. I hope with my report to help and encourage others to investigate before falling into the hands of unscrupulous companies that take advantage of the despair and vulnerability of people. I am now out of work and it gives me a lot of indignation to have to pay them when they have cheated me vilely by making me believe that they could help me get my debt forgiven. If it had not been for that promise, it would never have fallen into their hands. 

A milllion thanks in advance!
I have a loan with QUALITY ACCEPTANCE LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and QUALITY ACCEPTANCE LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
American express makes it so difficult to file a warranty claim now. I filed a claim for a {$21.00} wrist watch that was damaged and per their warranty policy they replace any damaged item within 30 days. They required me to fill out an exhaustive amount of forms and also requested information that is no business of theirs like my home owners insurance policy number. I have been a loyal customer for more years than I can count. No more. I believe they are unfair and deceptive in their descriptions of benefits to card holders. Please investigate the for fraud and unfair and deceptive practices.
this acct is fraudulent and is a result frim identity theft and the company is reporting this to the credit bureaus as well as has an oppen acct that needs to be closed with thier company.
This debt is not mine please see the attached FTC report. I have no knowledge of this account nor have I been to XXXX XXXX.
This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX  continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXX, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
Forberance period expended. Tried to request financial hardship assistance due to lack of income. Denied.
I am getting multiple calls a day from this number along with XXXX. No message ever left. Calls have been been received for the past three weeks. Called # 's back and receive a voicemail that I have reached " Diversified Consultants ''.
I opened an Citigold account at a Citibank branch with a promotion code XXXX for XXXX AA miles. Not only they sent my debit card and check to the wrong address for three times which caused I could n't use my debit card for XXXX month, but they also denied the XXXX AA miles after I have done the requirement. In addition, they are happy to charge me the monthly fee but not giving me the miles I should get. It is totally unacceptable.
XXXX XXXX XXXX is charging me for an account I never had with them I paid XXXX  XXXX for my auto loan It was a hit and run XXXX my insurance company along with gap insurance fully covered this loan once it was hit by another car it was a total loss Once these insurance comapnaies paid in full this XXXX   XXXX  called all over asking for me where I was they wanted me to pay them this XXXX somthing and I never paid them I always paid XXXX  XXXX and always on time I always paid the whole time I had that car always you could ask XXXX XXXX so I'm not even sure where these charges came from
Hello My XXXX XXXX Credit Card was stolen in XX/XX/XXXX it is now XX/XX/XXXX and they are just not refunding me for the monies that was used they forgot to include one of the charges now they are showing late payments on my credit report I paid this account balance to to a XXXX balance In XX/XX/XXXX and XX/XX/XXXX as a result of XXXX XXXX mistake I now have to late payments
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. 

The card is advertised with no foreign transaction fee. Card ending in XXXX
I have a credit card through Chase. On about the XXXX of XXXX I logged on to the Chase website to check my account and noticed there was an additional credit card listed which I had not signed up for. I sent Chase card services a message through the website asking about the card as it was not requested. They spun up their fraud department, asked me a bunch of questions, told me to let them know if I saw any activity on the account, etc. I responded that they should simply shut down the card immediately as I did not order another credit card. They indicated they did this. On Monday of this week, XXXX XXXX, my new, unrequested XXXX rewards card showed up in my mail box, with a host of " welcome to your new credit card '' material. I called Chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi. I should immediately inform XXXX of the credit monitoring agencies and be diligent with my statements. 
To me, it feels more like someone at Chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled. I find it odd that someone would steal my identity ( Chase indicated they would only issue a card with the appropriate SSN ), only to send the card and all the documentation associated with the card to my home address.
The lender Towne Mortgage of XXXX Michigan and XXXX XXXX of XXXX Mi were to reimburse a fee of {$470.00} for the appraisal of the subject property XXXX XXXX XXXX , XXXX Mi XXXX at the closing dates XXXX/XXXX/16 ( file no XXXX ). The total monies we sopposed to be {$3100.00} and a check for {$2700.00} was given, check # XXXX. After numerous calls, emails to the title agency and the mortgage broker I am left with no alternative but to seek assistance from your agency.
I took out a {$600.00} Loan online. I did not expect to have make payments of {$210.00} with {$30.00} going to the principal and the remaining the money going to the interest in the amount of {$180.00} a month. In addition to this loan is expected to be paid back by XX/XX/XXXX. 
The amount I will have paid back will be {$2400.00} for a loan of {$600.00}. I have not made a payment yet but I am expected to make a payment on XX/XX/XXXX. in the amount of {$120.00} {$90.00} going to interest and XXXX going the prinicipal. I know this is illegal to charge such a large interest on a small loan. I intend to contact my bank to stop the withdrawal of money to this company. I would like this high interest to be eliminated to pay this loan back in the amount of {$600.00} not {$2400.00} I have been deceived by this company.
XXXX/XXXX/XXXX XXXX PEOPLE IN MY FAMILY RECEIVED A CALL FROM XXXX THREATENING THAT IF THEY DID N'T CONTACT THE NUMBER ABOUT ME THAT I WOULD BE GOING TO CHAIR AND THE DA 'S OFFICE WOULD BE CONTACTED. THE PHONE CALL WAS VERY THREATENING AND THEY EVEN CALLED MY XXXX AND XXXX XXXX XXXX DAUGHTERS AND MY AGING IN-LAWS. I WOULD NEVER USE MY DAUGTHERS OR MY IN-LAWS AS REFERENCES ON ANY ACCOUNT. THE PHONE CALL WAS VERY BOTHERSOME TO ALL OF THESE PEOPLE BECAUSE THEY DO N'T KNOW THE LAWS AND RULES AND THOUGHT I WAS GOING TO GO TO JAIL.
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from Caliber Home Loans. XXXX started collecting my payment since XX/XX/XXXX. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open Caliber Homes Loans have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and XXXX.
this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage
I have this company Drivetime calling me at XXXX and up to five times daily.
In XX/XX/XXXX I filed for Chapter XXXX bankruptcy due to my mortgage payment behind with at the time XXXX XXXX. The court was given an amount for my arrears balance and I was required to continue to make my monthly mortgage payments. At that time with XXXX. Mid XXXX I received a notice that my loan was now being serviced by GreenTree. So I began to make my mortgage payment via bill pay to them. Payments on the arrears balance came from the trustee and I made my monthly payments. At one point in late XXXX I became unemployed and I fell behind. My attorney work with the mortgage servicer work out an agreement in XX/XX/XXXX where I paid one catch up payment of XXXX and an additional payment of XXXX each month for six month. Thankfully my bankruptcy was discharged and paid in full XX/XX/XXXX. However, at that point the mortgage servicer has now changed their name to Ditech. After 40 months in bankruptcy in XXXX Ditech submitted to the trustee that I still owed 4 months of payments. I contacted my attorney and the bankruptcy department at Ditech and ask for someone to please explain how this was possible. I made all of my payments and I request a payment history from the company. Each time I requested documents or spoke with anyone the balance of what I " owed '' changed. I filed a formal dispute with the company via phone, and given the lack of cooperation I resorted to shame tactics on XXXX. Since XXXX I have tried to get a straight answer out of Ditech. I received only one detail email response back from the company and all of their information and dates on the email were incorrect and did not reflect payments I made. In additional I pointed out that their information in the email was completely different than the payment history I finally received via mail. It is now the end of XXXX and there is still no resolution. Ditech/Greentree received fines by this agency and the Federal Trade Commission just two years ago for these same tactics. Poor recordkeeping, collection notices sent while the customer is disputing the debt. Nothing seems to have changed with them. But I know it is unreasonable to expect me to pay back monies I already paid due to their poor recordkeeping. meanwhile I am still making my current monthly mortgage payments each month only to have the monies applied to an arrears balance that is not accurate and that I do not owe.
Attached are copies of the Order Denying Motion for Relief from XXXX-My written dispute letter with Ditech.
I received a letter from Debt Collector Midland Credit Management , Inc several years ago and in response within 30 days requested validation of the debt. Midland Credit Management, INC has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until Midland Credit Management provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it violates the FDCPA and is time barred.
Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.
I am a 2014 graduate of a XXXX program with over XXXX worth of student loans. Naturally, I was looking for some debt relief or a solution to improve my financial situation. My mom sent me a facebook article about 'debt relief ' which led my to the " Student loan relief department '' ( I use this title very lightly ) based out of XXXX , California . I talked to a representative for a decent period of time via phone and before I knew it I was locked into a $ XXXX/month service ( they fill out your paperwork for the PAYE government loan forgiveness program ) before even thinking about what I signed/read ( my lender has made me aware of that I am able to do myself for free ). I attempted to cancel the service when I was made aware ( by fed loan servicing, my lender ) that I am able to complete the 10 minute process myself when I was made aware by " Student Loan relief Department '' that 'it was too late and the work was already done ', I could not turn back. I was also initially told that I owe {$800.00} up front or {$1200.00} over 3 years ( with interest included ) to only find out that I owe {$1200.00} PLUS interest accrued over the three year period. This company has misled me about many things on the initial phone call as well as over time through email and follow up calls. They denied my request to end our business relationship ( which was a scam in the first place ) and now are virtually unreachable via phone. My lender ( XXXX ) has directed me to the FTC and XXXX to report this and states that these are scam companies. Now I am stuck paying {$1200.00} PLUS interest further putting me into debt due to being misled and misinformed. Please help me! I am willing to do what ever is necessary to help other new grads avoid falling into this trap as well!
In XX/XX/2018 I pulled all 3 credit reports from all 3 credit bureaus. I noticed CAINE & WEINER listed as a collection. In XX/XX/2018 I disputed alleged account with all 3 credit bureaus. It came back as verified in XX/XX/2018. I have not received a dunning notice. I also was not informed within 30 days of placing negative information into my credit file. You have trampled my rights to due process.
I attempted to call and resolve and open balance I have with XXXX. I was trying to clarify exactly what I was being billed for as I had satisfied my out of pocket debt on this already. The hospital re-routed me to Central Financial Control to a Debt Collector named XXXX, ID # XXXX. 

I was confused as to why account was in collections in the first place. I asked him for clarification of what this bill was and told me it was for a hospital visit under Physican ( left blank for privacy ). This made no sense to me as this physician does not work at this hospital and is in fact my doctor at a completely different private practice called ( left blank for privacy ). 

I asked for a detailed summary of the charges and the collector said he would send me to me. All was fine here until he decided to tell me that he would be reporting this on my credit history. I asked why he was threatening me before providing the requisite details and he then proceeded to tell me that If I did not satisfy my debt that my credit would be affected. 

I simply wanted full disclosure and clarification on my debt before paying as I believe it is not correct. I feel his tactic was a veiled threat and that was acting outside of the parameters of his job. Because he provided incorrect information on doctors and visit dates, along with threatening my credit, I feel he attempted to force me into payment without following proper procedure. 

To be clear, I pay my debts. In this case I feel there is a mistake and do not appreciate threats from debt collectors.
On XX/XX/2018 I purchased my Credit Report and FICO from XXXX. The report reflected all my accounts current but extensive unauthorized chagres reflecting usage of credit I did not use, as a result of Identity Theft. I notified the supervisor of the Fraud and Security Unity of XXXX  on XX/XX/2018, who advised if I made a police report and sent it by facsimilie to XXXX, they would issue a revised current report and new FiCO and remove all the unouthorized requests for my credit report. I specifically asked my crditors to notify XXXX, they did and there has not been a new report and FICO report reflecting my actual use of my credit and removing the unauthorized requests for my credit.