WillisBack/dataset-financial-user-claim huggingface dataset:
I was offered a bonus of XXXX XXXX miles as a promotion for opening a CitiGold checking account on XXXX XXXX, XXXX. The requirements for receiving the bonus were as follows ; spend at least {$1000.00} withing 90 days and use the 'Bill Pay ' to pay a bill for two consecutive months. The requirements for the bonus were met on XXXX XXXX, XXXX and confirmed to be met by XXXX XXXX XXXX from Citi on XXXX XXXX, XXXX. She stated " Please allow until XXXX XXXX, XXXX for the points to be credited. '' I once again inquired about the status on XXXX XXXX, XXXX. XXXX XXXX XXXX from Citi once again stated " Welcome to Citibank, my name is XXXX. I have taken the initiative to request the credit of the miles, to your AAdvantage account with reference # XXXX. '' It is now XXXX XXXX, XXXX and Citi still has not awarded the bonus.
My date of birth is incorrect. I a m  XXXX  old. I was not born in  XXXX .
I SENT AT THE END OF XXXX A LETTER TO THIS COMPANY REQUESTING THEM TO STOP HARASSING ME AND TO TAKE THIS ACCOUNT OFF OF MY CREDIT REPORT DUE TO IT NOT BEING MINE
THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.
On XXXX/XXXX/16, a company called XXXX from XXXX XXXX XXXX XXXX XXXX, SD XXXX did a hard pull of my credit report. 

I must say, I applied for a credit card at Citibank and the hard pull from Citibank it shows on my XXXX report ; as a result I have to hard inquiries on XXXX/XXXX/16 : XXXX from XXXX and another from Citibank. I do n't own any products from Citibank. 

I do n't know who XXXX is? Or why are they doing a hard pull on my report when I did n't authorized it.
XX/XX/XXXX, in reviewing my credit report I notice XXXX XXXX XXXX accounts with different account numbers. I contacted Transunion to dispute the account explaining there should only be XXXX. They told it would be 30 days to verify with XXXX XXXX then will remove it if it should n't be there. XX/XX/XXXX, I reviewed my credit report again but the item was still there. Therefore, I called XXXX XXXX customer service where they confirmed the information then sent information for Transunion to correctand they told Transunion and other credit bureaus. Here it is XXXX, XXXX duplicate account still reflects on my credit report. It appears that the credit report still reflect XXXX XXXX XXXX credit cards. It has now been 9 months trying to get XXXX of the XXXX XXXX Credit Card removed. Although it have an excellent pay history, it is affecting my debt to income ratio which lowering my credit score. They will not update the credit report.
Hidden charges just discovered was charged over two years XXXX service fee no charges grandfathered in when I open the accounts combined circle gold checking and savings charged for over draft fee to move funds from XXXX account to the next account this is another hidden charge I did not agree to the overdraft does not apply whe the account was opened in 2010 in XXXX NJ the account provision was without any of these charges for the life of the accounts as long as they remained open additionally charged for nsf funds when the bank process reported unauthorized charges I attempted to report fraud and unauthorized charges of {$110.00} which caused sever other checks nsf for which I was charged .. when the accounts were opened features such as free credit report access were placed on the account as a life of account free service recently I see this service was removed with out my knowing or requesting this
Hello. During XXXX I was shopping for a personal loan for wedding expenses. I checked with XXXX and Prosper. I applied with both. After reviewing the terms of both companies, my fianc and I decided to move forward with the loan with XXXX and not with Prosper. I sent an email out to Prosper advising them that I do not wish to proceed with funding the loan because the rate is too high. I also called them and they had told me they would research it at the time and make a stop. However, Prosper ignored my request, never reached back out to me or replied and funded the loan. I have been battling with them to give them tehir money back, and I refuse to pay their origination fee of {$1700.00} since I never agreed to finalize with them on the loan. Prosper continues to ignore my request and they are threatening to report delinquent payments to my credit report and they are standing by and saying I am responsible for their loan including the origination fee. Please assist me in getting Prosper to take their  money back by sending me a payoff demand minus their unlawful origination fee. 

Thank you
Select portfolio servicing inc. acquired my adjustable mortgage in XX/XX/XXXX i called in early XX/XX/XXXX to set up ( during the 60 day xfer period ) i was told it's {$15.00}. to make a phone payment! but free as a first time call they could schedule up to 3 months payment! they said it takes a month to get the auto payment set up on there web site! 
next they called in XX/XX/XXXX to tell me that i was 30 days last since XX/XX/XXXX 
clearly i don't work at SPS so it's impossible for me to have personally made the data entries and apply all 3 payments a month late? i don't even understand how any bank could even allow this happen??
I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. Synch /XXXX XXXX XX/XX/XXXX 10. ) Synch/ XXXX XXXX XX/XX/XXXX 11. ) Synch/Wal-Mart XX/XX/XXXX
As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with XXXX.
XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.
Multiple threatening calls to my cell phone, my husband 's cell phone, my work phone and co-workers phones. All claiming a debt not on my credit report. They state they wo n't even tell me who I supposedly owe. They state that they are BBB accredited but the company name only shows on a similar named company as not associated with. I spoke to my local police department and they said to ignore because I need full name and address to file harassment charges. They will not give me that information. I blocked the number on my cell phone but can not do that with work phones.
XXXX Veteran, lost job, had a fire in the building, tenant using space heater,XX/XX/2015, City Fire Marshall wanted to shut down the building unless owner upgraded the electrical wiring in the building, no money for this, quotes around 15,000 dollars, tenants move out, as fire marshall stated, '' Building is unsafe ''., one year and half no tenant income, must upgrade the electrical system, fell behind on all payments, struggle to upgrade, now upgrade is complete, mortgage is behind for 3 years ... .need desperate help financially.
On XX/XX/XXXX at XXXX XXXX  I was served with papers from XXXX XXXX   XXXX, XXXX on the 2nd page of the summons it states prayer amount ... What is a prayer amount? then it shows a statement from XX/XX/XXXX-XX/XX/XXXX then another one from now-XX/XX/XXXX where are all my statements in between those months? they keep sending me letters to which I respond to and they state I have not. In XX/XX/XXXX I paid all my debts off with trust money due to death of a parent. why is it now portfolio recovery is coming at me 3 years later?
XXXX XXXX took out a fraudulent internet loan for XXXX dollars in 2014 and has hounded me ever since to pay off a loan that I never made. After sending in a police report and sending all of my information to XXXX, they refuse to release the non payment status of this fraudulent loan on my credit report. When contacting their customer support line, they told me that my birth year was incorrect. Seriously, I know when I was born but apparently the identity thief did not. And somehow XXXX XXXX still gave out the loan anyway. This has been a consumer nightmare and XXXX XXXX is a bad, bad company. Beware.
I applied for Valley National Bank XXXX XXXX Account on Monday XX/XX/XXXX. I called into customer service ( XXXX ) XXXX on Saturday, XX/XX/XXXX to confirm that as an existing customer with an existing account that I would be eligible for this new account promotion where I would receive {$200.00} for opening a new Premier Checking Account and setting up direct deposit. The customer service representative informed that I was indeed eligible because there were no terms that required me to be a new customer. Since I was having problems submitting the application, I called customer service to help me with the application on Monday XX/XX/XXXX. After a long hold, in which I had successfully submitted the XXXX XXXX Account application online, they informed me that I was not eligible for the account because it was only for mortgage and new checking customers only. However, this was not mentioned on the page promoting this account or in their terms and conditions. They went to investigate this and called me back 10 minutes later. The customer service directed me to another page that conveniently had this language that the account was " available to mortgage and new checking customers only. '' This two different pages did not even link to each other. I attached a copy of the terms and conditions that did not mention that I had to be a new customer to receive the bonus ( under XXXX ) and the page I was sent to after calling them that had their new customer requirement ( under XXXX ) both with today 's timestamp so they can not claim it had been there all along.
I 'm filing a 3rd dispute, XXXX and XXXX, the first one being directed towards XXXX and the second towards Bank of America. Bank of America did n't answer the XXXX dollar question that needs to be answered. Did Bank of America charge off this loan in XX/XX/XXXX? because they stated in their response that they had no reporting to the credit bureau, but in my first dispute XXXX they stated BofA charged off the loan in XX/XX/XXXX, and they being XXXX simply reported it in XX/XX/XXXX. These XXXX companies are blaming each other and wasting my time running me around in circles, this has been going on with the cfpb for over 2 months and I 'm on my XXXX dispute and nothing has been resolved, so I 'm gone number the questions I need answered. 1 ) Did BofA charge off this loan in XX/XX/XXXX like XXXX stated in their response because this is how XXXX is justifying reporting this charge off to the credit bureau, and is the entire basis of this dispute! ... if BofA says they did n't charge off the loan XXXX need to remove the charge off status from my credit. 2 ) If B of A responds they did charge it off, on what basis was this justified, because as you can see with the credit history on the loan starting with real time in XX/XX/XXXX until the present date I have n't missed any payments, except for the 3 missing payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when BofA took over the loan from real time and did n't contact them for 3 months to notify them of the transfer. BofA even stated in their response they took the loan back in XX/XX/XXXX yet I have 3 months of missing payments on real times credit history, and also in the time period after XX/XX/XXXX when BofA put me through another modification and refused to accept payments until the completion of the modification. If BofA says they did charge it off what was the actual charge off date, because BofA reported 3 on time payments prior to sls taking over servicing the loan in XX/XX/XXXX. so there is no way the charge off date could be XX/XX/XXXX. 3 ) How does sls justify reporting a XX/XX/XXXX charge off date to the credit bureau when they stated BofA charged off the loan In XX/XX/XXXX and the loan was current with 3 on time payments when they received it in XX/XX/XXXX? There is a 4 year period after a charge off to be able to do anything with a home mortgage so accurate reporting is imperative. I have already contacted a credit lawyer and they are ready to take both these companies to court, this will be my last attempt to resolve this outside of court, these XXXX companies are getting away with simply shifting blame to the other guy. I 'm not attaching any dcuments, all the documents are attached to dispute # XXXX. Bank of America actually contacted me 2 weeks ago asking me about the complaint, but wont return a phone call now, they are impossible to deal with!
I was logged into my Chase bank online XXXXPremiere Plus ' account looking into ordering printed statements and looked into making a multi-year order to make it a simple one-time request. There was a vague statement about " you may be charged a fee '' but no confirmed price or order confirmation for the statements being {$6.00} each when I clicked through the statement menus. On XX/XX/, 2019 I  awoke to find XXXX {$6.00} charges for the statements deducted from my checking account. My issue with this situation is that I was not able to submit a confirmed order for the statements and confirm the price before placing an order. Chase should make a clear and transparent checkout system for customers who are ordering statements or other products online instead of charging " hidden fees ''. There is absolutely no reason that Chase can not provide a checkout system for customers that clearly lists out all fees before a customer chooses to place an order. I called Customer Service and they were not able to resolve my issue.
" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX  XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' "
I do not have any collections that I know of that this company so call says that I do. They repeatedly called myself my mother my XXXX year old grandmother and harasses they threatened with abusive language they repeat XXXX all the time they threatened with obscene legal gestures all kinds of stuff and yet all they want is my card info and some crazy amount of money and they do not say for what or how or anyting they call and call and call and call.
Over the last 21 months, I have on time payments to Global Clients Solutions. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions
I have disputed claim of debt owed to a company by name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Virginia Amount claimed to owe is XXXX. I have asked Equifax credit Reporting agency to thoroughly investigate this issue with this creditor. I have never had any financial obligations with the above mentioned company. The address that this creditor has on file, referencing to the billing statement is incorrect. I have never resided at an address listed on the bill. I have asked the creditor to supply me with a copy of the contract to myself as well as to Equifax credit report agency and they have not supplied any proof of verification to the credit report agency or to myself. Equifax has not investigated this issue within the allowable 30 day time period. This issue remains unverified. There is no documentation provided with a written contract to validate the alleged debt owed to XXXX XXXX XXXX.
I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing.
I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called XXXX XXXX XXXX this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and XXXX XXXX XXXX think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.
Experian responded to my original complaint of fraudulent account opened in my name today XX/XX/2018. In there response they stated that they have removed and blocked all the fraudulent accounts on my report. However, this is not true Experian is still reporting several items on my credit file that are fraudulent. I have included them below. 


Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.
Equifax refuses to speak to me about this by phone intentionally frustrating me in an attempt to get me to go away
Harassment phone calls from Capital one Bank on XX/XX/2016 XXXX and XX/XX/2016 XXXX form number XXXX, XXXX. This bank already closed all my accounts without my consent since XX/XX/2016. Currently I have NO any banking relationship with this bank. Therefore I can not accept any harassment phone calls from this bank as the complaint filed before. By filing this complaint, I continue collect the debt from this bank who owed me the following debt : Customer never received {$9.00}. Customer also ask {$80000.00} plus 20 % interest, {$100.00} late fee each month for 36 months, {$150.00} travel expense, {$4800.00} personal time to collect funds, XXXX XXXX. 
Theft XXXX should go to jail 20 years for stealing funds, stealing bank statement, close account, change address etc. without account holder 's consent. 
Capital One also owe me {$35.00} cash bonus plus some other promotional bonus {$1400.00}.
my daughter is a   XXXX   XXXX   ... .she received a predatory credit card offer in mail interest rate 13.74 %  -23.74 % ..     cash advance 16.74 % -25.74 %  penalty up to 29.99 % a pplied indefinitely ( yes 29.99 % ) lat e payment? {$38.00} returned payment {$27.00} not to mention all the transactions fees ... {$10.00} or up to 5 % of transfer overdraft protection {$27.00} Really you disgust me ..if this is not predatory I do n't know what is  Gee I  wonder why  students are deep in  debt??  XXXX   XXXX   Director..you should be ashamed of yourself
I opened an account with Macy 's XX/XX/XXXX. I had the account in good standing. They closed the account XX/XX/XXXX without my knowledge due to " inactivity. '' They refuse to open to old account and request that I apply for a new account under their new revised terms and conditions. This closure has harmed my credit report because it was a card I had for over XXXX years. This is not a fair practice.
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX (XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ).

EXPERIAN - 1. XXXX XXXX ( JXX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. AXXXX XXXX XXXX ( XX/XX/XXXX 5. XXXX ( XX/XX/XXXX ). 
Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.