WillisBack/dataset-financial-user-claim huggingface dataset:
I had owned my home for 30 years, I refinanced to buy out my ex and to purchase a car. 
Actually I wanted a separate loan for the car and they rolled it into my loan which is totally not legal. I requested several times for them to separate the 2 and wrote to headquarters to have it done and received not one response. 
I requested a loan modification under HARP, they said I did not qualify because of my first modification. I was paying 8.9 % up to 10.5 % in the end, when the loans were being financed at 3 %. I called my finance person locally and the corporate office and no one would work with me. 
In XX/XX/XXXX I lost my job and attempted to work something out with them and they would not work with me. I got a job in XX/XX/XXXXand applied for a modification, turned in all the paperwork and never got a response. I lost that job and requested a buy out and they agreed to XXXX, I told them all I had was XXXX and I could send them that the same day if they agreed, they refused. I then said I would have to sell my home and was told it was to late, they had started the foreclosure process. I asked how they could accept XXXX and not let me sell my home and they just kept saying I could not sell my home. 
I now have a foreclosure on my credit and this affects me when I try to rent a home or get a jobs. I lost 2 jobs because of the foreclosure, one with XXXX. If I have to be accountable, so do they. 
Obviously there was much more conversation, but the car loan being rolled into my current mortgage was very costly and not requested. My modification was never processed or I am not sure what happened. When ever I asked citi to do something I never got a response or the answer never was to my advantage.
I am in Citi ThankYou card program with XXXX points on the statement as of XXXX/XXXX/XXXX and got reduced to XXXX points on the statement as of XXXX/XXXX/XXXX. It was forfeited by XXXX points. Their reason is my XXXX was canceled and wo n't give me back my earned ThankYou points. I totally disagree with and like to dispute them. 

1. I have XXXX Citi preferred ThankYou XXXX cards since XXXX. I 've consolidated the ThankYou points I accumulated long time ago as they encourage their clients to better use and manage the ThankYou points earned. The consolidated points were shown on my monthly statements. There is ONLY XXXX SUMMED POINTS for the XXXX cards without any separate accounting records. 

2. As the same effort to better manage XXXX same cards, I requested Citi to consolidate my credit limits to XXXX card instead of XXXX in XXXX. They did n't grant me so I just use XXXX card to simplify my spending and accounting activities. I received a letter from Citi a few months ago stating that my inactive card was canceled. They wo n't restore my inactive card and the card was canceled without my consent. I have perfect credit records with every loan and credit card I have. I suspect they broke the law of fairness in credit card application. 

3. I am aware of my ThankYou points live with my valid credit card. However, Citi does n't state that the consolidated points will forfeit and they do n't show anywhere on my monthly card statements. I asked their agent the time I consolidated who told me my points will never lost as long as the consolidated account is open. XXXX summed points CAN NOT DIFFERENTIATE THE POINTS of XXXX card or another. Any redemption I had was deducted from the XXXX summed points in my monthly statement. 

Obviously Citi 's ThankYou points ' consolidation is neither clear/clean explicitly nor customer friendly. There are flaws in their system design and operations that are not fair or even lawful to their customers. I CAN NOT BE the VICTIM of THEIR PROBLEMATIC SYSTEM! 

It is unfair to cost customer 's interests for Citi 's mistakes. It is even not ethical or lawful to trick customers if intentionally.
I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXX XXXX XXXX claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Equifax continues to report inaccurate information regarding XXXX XXXX XXXX XXXX XXXX XXXX Accounts with the account number beginning with # XXXX. XXXX on behalf of XXXX XXXX issued a letter stating that the status of the loans are inaccurate and were directing the credit agencies to remove the negative information from my files.
On XX/XX/2018 ; I made a cash deposit at a BMO Harris Bank Branch ATM to ensure an NSF fee would not be assessed on an ACH debit. The deposit was made at approximately XXXX and according to the receipt the cash deposit was readily available. Despite the cash deposit being posted, my ACH was returned and I was charged a {$36.00} NSF fee by BMO Harris. 

On Friday, XX/XX/2018 at approximately XXXX ; I contacted BMO Harris Bank about the NSF fee and was told that the cash deposit needed to be made by XXXX Central DST or XXXX PDST. I live in XXXX, Arizona which is currently on Pacific Daylight Time and I was told that because the deposit wasn't done by XXXX Pacific the fee was valid.
I applied for a loan from Cash For Whatever. I missed 1 payment for the loan due to being effected by the government shut down. They keep calling my job everyday. My employer has threatened to write me up if they do not stop calling my job. I have asked them several times to cease contacting my employer and they continue to call. They have also threatened to sue me once I ask them to stop calling my job.
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.
I had several accounts with the financial institution USAA, and recently they closed my checking account. I had no idea why as I was under the impression that I had a {$0.00} balance in that account as I had lost my job and had no income for a couple of months. Come to find out, they reversed a dispute that both they and the merchant agreed was invalid and recharged my account for the amount, overdrafting me and then closed the account as I did not make a deposit in the timeframe they required. At no point did my bank send me any correspondence about the actions they were taking on the account at all. In the meantime my savings account was kept open, so when my direct deposit for my first paycheck went into the account today, they blocked my funds from being used until I pay them the {$25.00} that I owe them. The entire process has been upsetting to say the least, especially due to the lack of clear standards and rules and most importantly ; communication.
Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express. We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account on XX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles. You still have time to meet the spend requirement. For the {$50.00} statement credit, you have until XX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account. Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information. 

As of XX/XX/XXXX, I have met the requirements for the XXXX   Delta Miles.
XXXX take XXXX $ of my money out my Account and I never receive the items I purchase ... Filed a dispute with the bank and they denied it ... say it nothing else they can do to help me at this point ... do n't really know the Exact date ... but it was in XXXX 2017
I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon
On   XXXX   XXXX    2017, I clos ed a CD with US Bank.   The balance was {$120000.00} plus interest accrued since the last interest remittance. It had been renewed in  XXXX , paying   XXXX  %   (    XXXX   XXXX   XXXX   percent ) or {$46.00} per month. All interest payments were calculated on a daily basis, with a monthly distribution.     As part of the redemption, I was charged {$1200 .00},   XXXX   % (   XXXX  percent ) of the face value, along with a processing fee of {$25.00}. I was told that was US Bank 's policy, with no documentation provided to prove they had specified this when the CD was opened.
    I believe this charge is excessive and should have been for no more than a  XXXX  month period  at   XXXX   % or a pproximately {$140.00}.
Lastly, this account was created on my behalf by my uncles who were in their   XXXX  . If these were the terms, it is obvious that US Bank took advantage of their advanced years and failed to disclose.
THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.
On XXXX XX/XX/2019, we received a Prepaid Credit / Debit Mastercard from  NETSPEND ( XXXX. XXXX XXXX, XXXX, TX XXXX ) with the name XXXX XXXX. XXXX XXXX is my XXXX year old son and never applied for any credit cards. We are concerned with identity theft and fraud by this company or whoever applied for this card. Again, my son is only an XXXX year old child. We tried to contact the company by phone but the only active number is to Activate the card. Also, the name listed is XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, GA XXXX. Our address is XXXX XXXX XXXX XXXXXXXX, GA XXXX.
Every month I pay over the minimum balance due on my Conn 's account. My payment of {$4.00} was due yesterday. I received a text message reminding me and that was great. Today makes me one day past due, and the harassment begins : XXXX XXXX - recvd phone call at work. I sent it to voicemail, but no message was left. XXXX XXXX - rcvd past due email notification. XXXX - recvd 2nd call while at work, sent to voicemail, no message. XXXX XXXX - recvd 3rd call at work, sent to voicemail, no message. XXXX - Recvd 4th call, in heavy traffic heading home, sent to voicemail, no message. XXXX - 5th call, annoyed because they would n't leave message, so answered call, was general recording, no live person, terminated call. XXXX - Recvd 6th call, sent to voicemail, no live person, no message left. XXXX - Recvd 7th call. Extremely irritated, took call, went through all the prompts, finally spoke to live person. I asked why I 'm being harassed so much for a payment 1 day late and due less than {$5.00}, when I always pay over the monthly payment of about {$43.00}. Rep Ignored my question and informed me the amount of payment due and wanted to know if I would pay by check or credit card. I asked again about the calls and electronic notifications, to which she told me those were n't contacts because a live person did n't speak with me. Asked to speak with supervisor. XXXX, identifying as a manager, also said the contacts were not with a live person and notification otherwise did n't matter if they did n't speak with me live. I informed her I was on my 2nd day at a new job and that it was ridiculous to call so much for a payment due only 1 day late for less than {$5.00}. She offered to remove my number but I declined and informed her that I did not want to stop communicating with them, but that the harassment had to stop and that I would be filing a complaint. She said my account would be noted, and documented that she offered to remove my number but I refused. What the heck? This is complete harassment and Conn 's should not be allowed to treat consumers like this!! Especially when it 's for less than {$5.00}, and only one day late. This is nonsense!!
In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.
These accounts are being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
In XXXX I hired " XXXX XXXX '' to dispute collection charges from XXXX XXXX XXXX collection companies who both alledged that I owed " XXXX '' {$750.00} for a device. After paying XXXX XXXX several hundred dollars all three major bureaus reported " no open collections '' that same year. Then XX/XX/XXXX the same XXXX accountant was in collections again with XXXX, XXXX XXXX XXXX  FOR THE SAME AMOUNT OF MONEY! 
I HAVE A DOCUMENT FROM XXXX VERIFYING A " XXXX '' ( XXXX ) BALANCE!!! 
THIS FRAUD HAS DAMAGED MY CREDIT SCORE WHICH IS OURRAGEOUS!!! Two bureaus ; Equifax and XXXX removed the derogatory and fraudulant report in XXXX but XXXX  who XXXX XXXX supposedly works with the easiest, according to the paralegal I spoke with, JUST FINALLY REMOVED IT TAKING LONGER THAN 60 DAYS!!! I was in the process of procuring a loan and this fraudulent reporting damaged me financially!!! It is not enough to finally remove the collection report which was fraudulent because I WANT MY CREDIT SCORE BACK THAT I HAD LAST YEAR BEFORE THIS DAMAGED MY REPORT! Also, I believe XXXX XXXX dragged their feet with XXXX who the repeatedly told me they work closely with just to keep charging me a monthly fee. Please investigate them as I want my money back as well as my credit score from before all this damaging and fraudulent reporting!
I am filing a complaint about Synchrony Bank. On XXXX/XXXX/16 I sent an email cancelling my amazon.com store credit card. Synchrony Bank supplies credit for amazon.com. The email address was found on an email from Synchrony Bank. I supplied my name, the last XXXX digits of my acct, the name of the card, and the reason for cancelling my acct. I also contracted to pay the remaining balance on Wed., XXXX XXXX when I received my social security benefits. I received no reply - no message about the correct way to cancell, no correction to email address, nothing about who I should contact. No message from customer service offering to assist me. No message saying I had to pay prior to the XXXX anyway - I would have gone without my XXXX medication to pay them. I know that the email was received - no error message, no returned emails, etc. After numerous attempts to contact the bank at both the statements and customer service depts ( XXXX, XXXX, XXXX, XXXX, etc ) on XXXX XXXX I went online and found that my acct had not be cancelled and a late fee had been added. I want my amazon.com store credit card acct cancelled. I want the past due charge of {$25.00} dropped. And, I want a guarantee that I will receive no further past due charges while in dispute.
COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )
Equifax is showing debts in collection but nit the debt collectors name. I have no way to verify its accuracy.
TransUnion File Number XXXX XX/XX/XXXX REGULAR INQUIRIES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX I have never applied for nor took out credit nor fill out any type or credit application in my name.
I am the court appointed conservator for an individual. Capital One sent out a credit card which I returned to them and told them to cancel. They refuse to do so and are now billing the annual fee and late fees on top of that. They insisted that I send them certified copies of the letters of appointment, which I have done, but they still refuse to address this issue. Under Iowa law, the ward does not have the legal authority to enter into a credit card agreement and in this case I caught it before the card was ever used. However, Capital One keeps telling me that I, as conservator, do n't have the authority to cancel this.