WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I opened the Citibank account for the {$400.00} bonus. The terms of the account is to have {$15000.00} by 30 days of opening and you will get the bonus. I opened my account in XX/XX/XXXX and I still have no received my bonus as of today in XX/XX/2018. I deposited the amount needed for the bonus in time! I was sent an email that I didn't qualify for the bonus and I immediately called them a couple of months ago. The representative double checked I had all the things needed to obtain the bonus and they confirmed and put a note on my account that I do qualify for the bonus. I asked if there was a way to expedite the process and make a claim to make sure that I get the bonus. They responded to me that I was not able to make a claim until XX/XX/XXXX. I was on vacation so I was not able until later on. I again tried to contact Citibank and I finally filed a claim 1 week ago. They said they will respond in 2 days but I haven't heard no response yet. I will attached the claim number upon request.
Transunion is reporting wrong information regarding my XXXX XXXX XXXX XXXX. The loan was opened in XXXX XXXX for XXXX months. They are reporting the XXXX payment as XXXX XXXX which is incorrect. 
XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments {$9200.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$410.00} Responsibility Individual Balance {$9200.00} Highest Balance {$20000.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
XX/XX/XXXX, I applied for loan modification with DiTech I supplied all documents and had that confirmed by 2 Dutech employees on XX/XX/XXXX and on XX/XX/XXXX.

XX/XX/XXXX. I received a letter from DiTech stating that my modification had been canceled due to an incomplete application.

This is the third time that this is happening.
On or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, my daughter XXXX was taken to XXXX XXXX. On both occasions we were fully insured, in fact in XXXX, we had double insurance. XXXX XXXX XXXX, contacted me regarding this debt on or about XXXX XXXX, XXXX. I responded to his notice on XXXX XXXX, XXXX and advised him that his notice was both deficient and improper and requested validation of debt. XXXX XXXX did not provide verification as he is mandated to do under federal law nor at anytime did he make me aware that all he needed was insurance information. On or about XXXX XXXX, XXXX, XXXX XXXX filed a complaint, knowing that I disputed the debt. I was never served with the complaint and then on XXXX/XXXX/XXXX he moved for a judgment and a writ of execution without ever serving me with those papers so that I could request a court date and dispute this process. A call to my insurance company reveals that these XXXX debts were never submitted for payment and in NJ this company is under contract with my insurance and is not allowed to bill me until after the claims are first submitted to my insurance. My credit is ruined as a result. If XXXX XXXX has responded as he is required to do under federal law I could have provided the necessary information. He is clearly in possession of the information necessary to provide verification as he provided to the court when he filed for a writ of execution.
On XX/XX/2018, i responded to Citibank 's {$400.00} checking account package promotion ( promotion code XXXX ) and opened the account package ( both checking and savings ) online. Per the promotion term, deposit $ XXXX and maintain for 60days, and the {$400.00} bonus will be deposited WITHIN 90days. I satisfied the requirements on XX/XX/18 but as of today i still have not received the bonus. In the last 3 months i have contacted citi multiple times and each time i was assured that i had met the requirements and would receive the bonus in the following month, but it just never did. Two and half weeks ago when i called their 1-800 number and this time the rep gave me a concrete date. He said i should see the bonus by XX/XX/2018. XX/XX/XXXX passed and yet again no bonus. So i chatted online with Citi again last week asking them to investigate but she refused. She said they won't do anything unless i contact them after XX/XX/18! I can't believe more than 5 months now and they are still giving me the run around!
We have a complaint before you - Consumer Financial Protection Bureau Case number : XXXX. We received a report from Trans Union dated XXXX XXXX, 2015, but the report failed to provide any supporting documents again per our request see our XXXX XXXX, 2015, letter requesting deposed information. We are having an issue with a XXXX score for XXXX allegedly adverse reports.
This complaint is regarding XXXX XXXX XXXX claims I have a charged off, closed account in the amount of {$13000.00} that was apparently opened XX/XX/2018. I am writing to advise you that XXXX XXXX XXXX is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching XXXX XXXX XXXX on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX  is not bonded in the state of Texas. I am requesting XXXX XXXX XXXX immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E.

The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
I sent multiple letters to the creditor to verify that this account was owed by me and they never responded.
Ditech was sent XXXX letters and has failed to contact me in regarding helping me out with loss mitigation efforts concerning a home
this institution as permanently closed due false claims against thousands people including myself they promised us all who attended or was attending this lame XXXX institution a bright future down the road but  was all lies they scammed us into loaning millions of dollars to honest people who wanted a education to better themselves until they didn't or better yet failed at it but now the u.s dept. of education want 's us to pay back money that was given to us by this institution that XXXX i will no longer pay anything i will continue to fight this matter until those who were victims including myself get our loans forgiven i will keep filing complaints until my voice is heard
Faithfully paid every bill from XXXX for years. When I attempted to cancel service I was given the runaround. It took several calls over a period of at least a week and even then they extended service longer. They sent me a final bill that was not owed. 

I did not live in the home for the month inaccurately billed. 

My service should have been turned off when I asked and I should never have been billed an additional month. That's why they never got paid. This bill is petty, under {$50.00}. I would have paid it if it were valid. It is not and that's why they never got paid. Many other people have had this same problem with XXXX. I am requesting this invalid debt be deleted and removed from my credit reports immediately. Thank you and have a wonderful day.
I have reported many past issues with greentree and have lost alot of money and had them attempt to foreclose on my home several times illegally. I need them now to clear my court and credit reports since it now looks like i had a foreclosure when im in the home. I need to see if all the past issues i reported qualifies me to be a part of the settlement with green tree as well. they have added XXXX in fees on my account through all of this
I AM HAVING TRANSPARENCY ISSUES WITH THIS SERVICER I HAVE BEEN CHARGED LATE FEES AND MORTGAGE LATES REPORTED ON MY CREDIT REPORT WHEN IN FACT I HAVE NEVER BEEN LATE ON THIS LOAN EVEN BEFORE THIS SERVICER TOOK OVER HAD I NOT REQUESTED FOR THEM TO START REPORTED MY LOAD TO THE CREDIT BUREA I WOULD NEVER KNOWN OF THIS ISSUE, AND MY FICO SCORE WOULD HIGHER, THE REAFFIRMATION TOOK PLACE EVEN BEFORE THIS LENDER TOOK OVER AND I HAD REQUESTED IN THE PAST TO HAVE MY LOAN TO BE REPORTED TO NO AVAIL ONLY WHEN I CONTACTED CFPB THINGS STARTED TO COME TO LIGHT I PROBBALLY NOT THE ONLY ONE THIS SERVICER NEEDS AN AUDIT OR SOME FINE THE DETER UNETHICAL BEHAVIOR
I have sent multiple correspondence with this company Citi sent by certified mail, in order to verify an alleged debt in the amount of XXXX. The company sent a confirmation that they received my dispute on XX/XX/2017. It has been over 30 Days with no response and by law they have 30 Days to respond and if they do not they are required to remove it from my credit profile.
This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
I have 2 problems that started with online fraud of my debit card with Chase. 
This first started when Chase bank contacted me on XX/XX/XXXX to notify me of suspected unauthorized activity. I confirmed 6 transactions. Of the 6 transactions, they credited me for they have reversed the credit and debited my account for {$60.00} on XX/XX/XXXX to pay XXXX XXXX XXXX XXXX for a pre-paid cell phone account in XXXX. I this is fraud and they identified as such and contacted me, now they have reversed it. I know no one in XXXX. When I contacted XXXX XXXX XXXX they told me I was probably the victim of a data breech and that have not received a payment from Chase, they only had a chargeback on XX/XX/XXXX. They had no grounds to reverse the credit. 
My bank account was debited on XX/XX/XXXX. I have attached the statement. 

The second problem was caused by an error Chase made.When Chase contacted me to report possible fraud they listed 6 transactions, the XXXX XXXX XXXX was on of the 6. The next day I went to the bank to find out more and as I went over the transactions with the banker XXXX, we discovered that my car insurance payment had been included in the f dispute, she called the fraud department and adviced them that this was a good transaction and to pay it. I discovered days later that they had included the XXXX XXXX payment in the dispute and had reversed my authorized payment. I contacted the fraud department and told them to pay this immediately because my insurance could be canceled. I saw the debit in my account for {$240.00} on XX/XX/XXXX and assumed it, had been paid, it had not. XXXX had never received payment and my car insurance was canceled without my knowing until XX/XX/XXXX when I called to add another car to the policy. The chargeback from Chase was never corrected. XXXX XXXX, the banker at Chase on XXXX XXXX spoke to the accounting department at XXXX XXXX onXXXX and confirmed that no payment has been received. I forwarded the accounting statement I received from XXXX, showing the charge back to XXXX. I have also attached it. XXXX filed another dispute for me on XX/XX/XXXX and today I received notice that the temporary credit had been reversed and that the money was paid to XXXX and the dispute was denied. Where is my money? 
This like the XXXX XXXX XXXX payment is not in with the company, but both have been taken out of my account. 

I am requesting full credit for both transactions. 

I have attached the statements of all transactions, and I have requested confirmation from Chase of the money transfers to XXXX XXXX XXXX and XXXX.
I recently requested a investigation on XX/XX/XXXX and XXXX XXXX received on XX/XX/XXXX via certified mail.I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that XXXX continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with XXXX and the results was the information was accurate. I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via XXXX. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the XXXX agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX has yet to verify. Thank you
My dentist offered Care Credit which I set up so that the entire balance would be paid in full by the last billing date. Initial purchase appears to be XXXX/XXXX/XXXX but I received no statements until XXXX/XXXX/XXXX which showed that the promotional balance had expired and now my initial purchase of {$1400.00}, of which I paid {$1400.00} as of XXXX/XXXX/XXXX ( billing cycle ), shows a new account balance of {$1500.00}. 
I called Care Credit and they claim that they had been sending statements even though they had the wrong last name and the wrong email address. I feel completely taken advantage of since they finally sent a paper statement after the expiration period.
We purchased a XXXX Toyota Corolla in XXXX of 2015. We did deferred payments for our down payment through the dealership. After having the vehicle for 6 months and making payments on it, we accidentally paid {$160.00} too little on one payment. We spoke with the finance company ( Santandar ) and they set up an arrangement for the {$160.00} payment. Before the payment was drafted, Santandar contacted the dealership and told them that the loan was null and void because of the partial late payment. The dealership contacted us and told us what they said and that we needed to bring the car back. I contacted Santandar and they told me that the loan was null and void because the dealership allowed us to do a deferred down payment. They told me that it was n't a big deal and that the dealership had to buy the car back from them and then resubmit the paperwork and that the loan would be refinanced. They also advised me not to make any payments on the vehicle until the new loan was processed. About 3 weeks later, they had my car repossessed for non-payment. At this time the partial payment was late and the XX/XX/XXXX payment was late because I was told not to make those payments. After 1 month of fighting with Santandar, the dealership was finally able to buy the car back after being assured that we would be refinanced with Santandar. Santander received the check from the dealership and held it for over a week. They finally cashed the check and said that the dealership could pick the car up. The dealership submitted all of the paperwork to Santandar to re-do the loan and now they are refusing to refinance us. They are claiming that we were {$2100.00} behind in payments, but we were not. They are also refusing to give us our down payment or the payments that we made back even though they told us and the dealership that they would do so since the loan was " unwound ''. Now we are out of {$5000.00} and a car and Santandar said that it is our fault because we were not making payments. When I told them that I did what their agent told me to do they told me that they were sorry for the misinformation, but the repossession still stood. At this time, we do n't know what to do or how to move forward with this situation.
XXXX and XXXX have not fixed any of the inaccurate information on my report sent all doc 's and all the information they requested
A company called IC System has just reported that I owe them {$980.00} on my credit with account number " XXXX ''. I responded to a notice I received from them on XXXX XXXX asking for an explanation for what this money was for but I have not received a response. I am attaching a copy of the letter I mailed to IC System. I requested more information on XXXX/XXXX/2017 and instead of responding, they chose to report this debt on my credit! This company has not provided me an explanation as to why they are charging me this money. This is not the only problem. Another company called " XXXX XXXX '' is also reporting this same account on my credit report! They have a different account number of " XXXX '' but the money they are asking for is {$980.00}. Is n't it illegal for two collection companies to try and collect on the same debt at the same time? I do n't know what this debt is for!
Chase Bank closed down business checking account. Attempted numerous times to get in touch with someone to investigate the matter internally, but they kept giving the same scripted responses : " We have the right to close down account '' " There is nobody else you can speak to, the decision is final '' My personal favorite - " No mistake was made '', which I follow up with " Prove it '', and than they respond with some double talk, and back-pedaling to their previous scripted responses, Chase bank, and many other banks, treat you like a  XXXX   XXXX   XXXX  child. They tell you that magic unicorns exist, give  zero pr oof to back up those claims, and tell you they could not possibly be wrong. How do I know that someone in that deparment is not discriminating against me based on last name? How do I know my account was not chosen at random just to appease  U.S.  Regulators? How do I know that some employee did not take his meds that day, and completely screwed up my the review on my account?     Here is my theory. The risk/loss prevention/closure departments are closing down accounts to appease regualators, and/or their bosses. They choose certain criteria, and if you are unlucky enough to meet that criteria, they shut down account without any real investigation into who you are, or what you do. They get to send reports to their bosses, and regulators, and say " See, look at what a good job we are doing, shutting down all of these 'suspect/risky ' accounts '' ... " Now, please look the other way while we allow the real criminals to keep billions in our banks ''.
I took out loans to go to college in XX/XX/XXXX. Originally these loans were through Sallie Mae, the first two loans were cosigned by my father as I was not legally an adult yet so those have the lowest interest rates. After I turned XXXX, the loans were solely under me and the interest rates doubled. The total amount I took out in loans was around $ XXXX with the interest that I now owe, the loan balance is over $ XXXX. The interest is literally crippling not to mention impossible to pay. When Sallie Mae went bankrupt in XX/XX/XXXX they turned the loans over to Navient who made them private student loans, it is my understanding that they were originally federally backed. Thid would have made them eligible for income based repayment, consolidation and forbearance now they are not eligible for any of those programs available. I pay $ XXXX/mo in student loan payments when I make XXXX a year and they refuse to work within my means. The amount of money that I pay to them every single month does not even touch the interest that continues to bear on each of the loans which are all individually accruing at different rates. It has destroyed my credit and I am literally working backwards, it seems like there is no way out of debt or even a possibility to make it a manageable payment. There has to be some sort of feasible solution to make the payments affordable and to improve my credit, I pay on them every month and I am basically throwing the money down the toilet.