WillisBack/dataset-financial-user-claim huggingface dataset:
The citi dividend world mastercard had offerd a 5 % cash back on purchases made in XX/XX/XXXX, XXXX and XX/XX/XXXX, ending XXXX/XXXX/2015. 
I purchased XXXX airline ticket for {$910.00} on XXXX/XXXX/2015 and another XXXX on XXXX 2015 for {$1000.00}. Both payments were charged on citi dividend world mastercard and the tikets were issued exactly on the dates when the payments were made on citi dividendworld mastercard. 
Upon reviewing the monthly statement, I noticed that the citi dividend world mastercard did not honor their 5 % cash back reward offer. I contacted the the above-mentioned company immediately and received a response from the customer service team saying since the charges were posted after the XXXX/XXXX/2015 offer end date, they do not qualify for the reward. 
The airline tickets were purchased on XX/XX/XXXX and XXXX/XXXX/2015. 
CitiBank 's offer neither mentioned any posting dates nor I do have any knowledge of the airlines billing practices. I do n't believe it matters on my end either. 
I humbly request citibank to honor their offer and reimburse me 5 % cash back for the total of {$1900.00} which is {$98.00}.
I got a diploma not a degree from XXXX college. Been fighting them ever since 2010. I was charged XXXX dollars for a diploma and ca n't even get a job with it EVER!! No one would except the diploma or credits, they never even helped get the job interviews or internships they promised. Im on medical leave due to a health issue now with no money coming in. So I can not pay anything now. Live at home with parents just to stay alive. I dont think I should be paying that much for a diploma. XXXX college only wanted XXXX for theres over 2 years, not 2 years at XXXX. The teachers were n't even good they gave you the answers and open book tests so you could just pass through without fully understanding it. I dont even recall now anything I tried to learn so it was useless to go. 

XXXX XXXX
There are two accounts listed on my Transunion credit report, that are a result of identity theft. According to Federal Law, credit reporting agencies have a due diligence when identity theft accounts are reported with all elements as required by law. I reported these items as fraud with accordance to FEDERAL LAW 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and these items are still appearing on my credit report. The following items are : Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Creditor : XXXX Account : XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Please see police report provided with all FCRA 605 requirements. All elements required by law is contained in this request. Remove within 5 days per FCRA I have submitted the following items to the credit reporting agency and they still continue to illegally report these items. You can see all back up documentation attached to this complaint.
On XX/XX/2018 I was admit it in to a hospital for an XXXX for a a XXXX in my XXXX. Upon being discharged the next day XX/XX/XXXX check my account balance I saw that it was negative I called the bank before I was discharged find out what was going on and at that time I found out that a claim had been filed against me from another Chase Bank customer and I'm also a Chase Bank customer that I had forged acheck of this customer and had deposited into my account I had mentioned to them that they have not notify me of any actions or claims that were filed against me since I was being discharged from the hospital I called them when I got home. Once I called when I got home I explain to them again why was I not notified of this and they explain to me that the action was already taken and that my only recourse would be to take the person to court after talking to two or three people I let them know that I had documentation that this person was a past tax client and that I had documentation showing that we had communicated via email and that she also sign a power of attorney for me to represent her in front of the IRS after the check was deposited also that I had tax returns that I prepared for her. I was told to fax any documentation that I had to chase bank I went to my local branch in XXXX California and had them fax documentation to the claims department. Once the banker at Chase looked at the documentation that I was sending and when she reviewed the case she also wonder why Chase took this action. This was on XX/XX/XXXX I sent them documentation showing the email communication and the tax documents in order to prepare her tax returns also I included the power of attorney that she signed for IRS for me to represent her and communication between me and IRS revenue officer that was handling her case. They told me it would be 3 to 5 days before they would come to a resolution which that did not happen. so on XX/XX/XXXX I sent them additional documentation showing the three years tax returns that I have prepared for her and the power attorney again that she signed for me to represent her in front of the IRS this again was faxed through the Chase Bank in XXXX California. Again they told me it would be 3 to 5 days to come to a resolution so on Monday XX/XX/XXXX I called the check and it would still under investigation and I called again on XX/XX/XXXX and is still under investigation. I fax them a letter on XX/XX/XXXX letting them know that this is causing a hardship and that I have received a 3-day notice from my management company where I'm leasing my apartment and in the letter I told them that they need to come to a resolution by XX/XX/XXXX or that I would be evicted as I mentioned before is still under investigation. My account # with chase isXXXX my debit card # is XXXX. The person in question is XXXX XXXX XXXX she used the sreen name XXXX XXXX on XXXX that's how she contacted me did'nt know her real name was XXXX XXXX until we meet in person. 

Thanks XXXX XXXX XXXX
On XX/XX/18 I made my regular online payment and selected from the online box provided, labeled " additional principle payments '' for an additional principle amount to be made in the amount of {$100.00}, in addition to my regular monthly payment due. The additional principle amount was not applied to additional principle as I selected but applied to unapplied funds account. I caught this later days after making the payment and called Mr. Cooper to get that error corrected. The next month, XX/XX/XXXX, the exact thing happened. This time with a {$50.00} additional principle payment ( Mr. Cooper applied to unapplied funds account and NOT additional principle as directed ). I called and was assured this would not happen again and the issue was taken care of. The next month, XX/XX/18, I made an additional principle payment amount of {$300.00} and the payment was allocated properly. On XX/XX/18 I made my regular payment and again directed another amount ( {$9100.00} ) to be applied toward additional principle. I send an online message confirming that it would allocated properly since I've had a history of issues with the additional principle payment NOT being properly allocated. This is the secure message I sent : " Please make sure the additional principle payment I made today gets allocated properly and is credited into additional principle. Please confirm. '' They then took it upon themselves to reverse both payments I made and apply the entire payment ( both the regular monthly payment and additional principle amount ) into the ONLY principle amount. I checked the account XX/XX/18 to find that my payment was reversed showing that the regular payment was not made and that the payment would be late soon in 2 days as a result of this careless error. You can plainly see that no where in my message did I direct that my regular monthly payment and the additional principle payment be added together and applied totally to additional principle only. I talked to a manager on XX/XX/18 who said that it would take 24 hours for my regular monthly payment to post and I would not be late. Here are the reference ID 's they gave for my call on XX/XX/18 : XXXX ( that is an employee ID ) and ID : XXXX. They should have immediately posted this payment the correct way, not give me 2 conflicting times when they thought that someone might get around to correcting the error ; 24 hours and 2 business days. Their stance was that I directed them to reverse the payment in my secure message to them following my regular monthly payment and additional principle payment on XX/XX/18 which I clearly did not. Furthermore if they were confused, which they clearly have a history of, they should of contacted me for clarification.
I secured a bar study loan in XXXX through XXXX aka XXXX, with XXXX as the third party lender. I subsequently had my payments deferred, until I ran out of time, but I went through a period of unemployment and undermeployment so I was unable to pay. First, I was told to pay XXXX XXXX XXXX, and I did begin making payments. Then I was told to pay XXXX XXXX XXXX, but I did not. Finally, I was contacted by XXXX and I made arrangements to pay them and have been paying them since XXXX. 

Last year, I was alerted that negative information was added to my credit report. When I checked, I saw that XXXX XXXX XXXX listed themselves as a collection agency on a debt I owed. I reached out to XXXX and they were able to conduct and investigation and remove the information from my credit report. 

A couple of months later, I received a call from Enterprise Recovery Systems attempting to collect on the same debt. They mailed me proof of the loan documents. I advised them that I did not deny owing XXXX, but that I was already paying another company. Enterprise said they could only help me if I could get a copy of the original loan documents from XXXX. Then, they also reported this debt to the credit bureaus as seriously delinquent, however, XXXX did not remove this from my report. 

When XXXX reached out to XXXX to get documentation on the loan, XXXX was unable to process the request because, they claimed, that XXXX is currently involved in litigation regarding its loan practices. When I reach out to XXXX myself, the telephone numbers were not in service ; I mailed them and received no response. ERS would not provide me with any contact information so that I might try to reach XXXX another way. 

I subsequently emailed Enterprise and attached scanned copies of multiple emails from XXXX XXXX regarding my loan from its origination where XXXX is listed as the third party lender financing this loan, subsequent emails showing who I was supposed to pay, and payments made. I received no response. 

I have paid the loan down so far that my balance is just under {$1000.00}. Some payments were submitted to XXXX XXXX XXXX ( but I have no credit on my account for them ) but majority have been submitted to XXXX. At this time, all I have to support my claim is emails from XXXX and XXXX. I requested an itemized statement from XXXX. 

Please help me as I have no other recourse!
I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!
This has to do with the Equifax breach that has happened. I am filing a complaint after attempting to get information and well anything useful from the company without success. Their poor management and security has resulted in my information being stolen and so far I have been mostly told to call back later or that I can get a year of credit monitoring service if I wave any right to legal action on them which is n't going to happen. This is beyond unacceptable for a number of reasons including the likelihood of a persons information not being sold or used right away so a year is useless for something that is going to be a lifetime problem.
I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
I HAVE APPLIED FOR FINANCIAL ASSISTANCE ON MY FHA LOAN WITH PENNYMAC, I WAS RECENTLY DENIED STATING THAT PENNYMAC DOES NOT HAVE TO FOLLOW FHA GUIDELINES. I ASKED WHY AND THEY SAID THAT THEY ARE THE INVESTOR OF THE FHA LOAN AND THEY CAN MAKE ANY RULE AND NOT FOLLOW FHA GUIDELINES. THIS IS ABSURD AND NEEDS TO BE CORRECT AS I HAVE READ THE 1009 PAGES OF THE FHA GUIDELINES AND IT STATES THAT IF I HAVE MADE 4 PAYMENTS AND HAVE HAD THE LOAN AT LEAST 12 MONTHS SINCE ORIGINATION WHICH ALL HAVE BEEN MET I CAN BE REVIEWED. HOWEVER, PENNYMAC STATES THAT THE ABOVE STATE DOES NOT APPLY TO THEM BECAUSE THEY ARE PENNYMAC. I HAVE ATTACHED THE PAGE FROM THE FHA GUIDELINES TO SHOW WHAT PENNYMAC SHOULD FOLLOWING.
I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 days
Trans union credit reporting deleted 4 old accounts in good standing. This made my oldest account on my credit report less than two years old and dropping my credit score almost 200 points!
In late XX/XX/XXXX I have attempted communication with Chase in regards to several of unauthorized inquires made to my XXXX and XXXX  credit files. ( XXXX inquiry dated XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX   inquiry dated XX/XX/XXXX ). I have requested Chase to forward documentation with my signature of authorization of which had not been produced. It at this point is a violation of the FCRA regulations. Again, Please produce validation of these inquiries. If proper validation can not be produced and Chase continues to report these inquires on my XXXX and XXXX files, I will have no other option but to file civil suit vs institution.
I applied to NAVIENT for a an lower payment Income Based Repayment plan and have NOT recieved anything as to the status to my request to date. I am a XXXX on fixed benefit income, and really CAN NOT afford to repay this student loan. Am I eligible for loan Forgiveness? Thank you for Any HELP!! 
School attended : XXXX, Maryland.
I submitted documents to Equifax showing that I filed for a Chapter XXXX bankruptcy that has been XXXX. Equifax reports that my bankruptcy is a Chapter XXXX and refuse to update their records. The bankruptcy was filed on XXXX 2008 so it should be removed from my bureau. XXXX and XXXX have deleted it already.
I am trying to get a loan modification threw SLS loan services. And I am having nothing but trouble, they have included taxes that I have paid into my escrow account. I have sent in receipts showing these taxes paid and no one does anything exept threathen me with foreclosure. I am behind stressed out and I honestly do not what to do.
I have a visa Rushcard and they let some scammer steal {$100.00} last year and will not XXXX my money back. Then this year they denied to return my {$100.00} that XXXX stole from me for a supposed deposit for service/installation that I never received. That is all illegal and a scam.
There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, Equifax has not removed this from my credit file although the judgment has been satisfied.
My report shows me as married. I have been happily devorced for 14 years now
I called last year inXX/XX/XXXX to request an Income Based repayment plan. I was paying {$590.00} per month. I was approved and my new payment which was due in XXXX was {$700.00}. I asked XXXX XXXX why they changed my payment to a higher amount without notifying me. Obviously the main reason to request an IBR payment plan is to lower your payment. They did n't have an answer for me. 
I called and told XXXX XXXX that I could n't afford that payment. I was assured that I would not have to pay it because they would extend a forbearance for the month of XXXX and I could just pay the new lower payment in XXXX of {$490.00}. Well, now my loan is delinquent because the forbearance was never applied. Instead of them contacting me via email or phone to let me know that they could not apply the forbearance, they just left it delinquent. Now it is more than 20 days late. I have already submitted my payment for XXXX but, I do n't know what I will do about the past due amount. At no point has XXXX XXXX shown any concern for my situation. I only need one month to bring my account current. I have never been late or past due before. I am very concerned about my credit.
On XX/XX/2018, a fraudulent deduction was debited to my debit account. a ridiculous fee of {$600.00}. XXXX cents was taken out of my account for a XXXX taxi ride. I do not have a XXXX app. I own my own car. I went to the bank the next day ( Citibank on XXXX XXXX XXXX, ny ) I reported the theft and since then after numerous phone calls to their credit fraud dept. I have been given the runaround. I have called at least 6 times. When you talk to the agent they will not give you their full name ( only their first name and usually some bogus coded info ) The last time I called, the rep told me much to my astonishment that the case was closed. When I complained, she said that she would e-mail the fraud dept. and they would send me a letter in a week. It is impossible to talk to a person directly involved in the case. Everything is e-mails being sent to the parties that could resolve the problem. Citibank is like a secret society purposely set up to pilfer a client 's money. I paid a 30 year home mortgage to citibank at 9.75 percent. I have been a customer for probably 40 years and this is how they treat me. Any banking institution should have flagged such a ridicuous amount for a taxi ride. I am retired on a fixed income. I, virtually have no savings. Please tell me how I an retrieve my purloined funds. 
Appreciatively,
XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC  CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED
I have sent two letters to Equifax via certified mail requesting them to remove hard inquires on my credit report that are unauthorized. The first letter was sent XX/XX/XXXX and they have yet to respond or complete the investigation to that letter. I sent another letter again CERTIFIED MAIL on XX/XX/XXXX. I received response from Equifax this time dated XX/XX/XXXX. The request that I submitted included 7 hard inquires that are UNAUTHORIZED and I received the same response for ALL inquires, which was " inquires are factual record of file access ... '' Further more the fact that I received a response only 9 days after I mailed the letter, one can only assume that there was no investigation into the matter, nor was I provided the requested PROOF that these were factual inquires. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. On two separate occasions Equifax not only failed to provide the requested proof I consented to these inquires via FCRA section 609 and 605 they also FAILED to respond or investigate in the 30 days required by 15 U.S.C. Sec. 1681i ( a ) one occasion. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into TWO disputes for hard inquires that do not belong to me and reporting inaccurate information on my credit report. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer. To protect myself as a consumer I have placed a fraud alert on my credit report due to this unauthorized activity. I now need Equifax to act in according to the FCRA by removing this inaccurate information from my credit report.
This is a follow up on complaint # XXXX since I have received a reply from the XXXX Dept. at the XXXX that I am attaching to this complaint.
Dates : XX/XX/XXXX unsure of time as this log was deleted XX/XX/XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX.

These are records of calls made to my personal cell phone. Each time a partial automated voicemail is left, repeating the callback number. I've answered this number on the first two calls made to me on the XX/XX/XXXX and XX/XX/XXXX, but there was no answer on the other end. I called back but again it was an automated system asking for my social security. I blocked the number but continued to receive partial messages on my voicemail.

I do not know what company, if any, is attempting to reach me, and I am unable to contact anyone to make these calls stop. Please help.
I received a check from my aunt from a family trust account for {$7600.00}. I opened a new account with Chase Bank with this check. After three days, when these funds had not been posted to my account I had a bank officer contact their office and learned that they were holding the check to confirm that it was valid. I called my aunt, who contacted the XXXX XXXX Bank and confirmed that the check had cleared XXXX XXXX. When I had my local Chase Bank officer forward this info to their main office, they reported that they had tried to contact my aunt with no success. I then instructed the branch manager to close my account and return the funds. After two weeks I still have not received my funds, but Chase has closed my account.
Wells Fargo did not allow me to access my funds this is the second time it has happened causing me great harm because I was not able to do things I wanted with my funds. In addition today I had a very important business meeting. I went to the bank to access a transfer which was sent to me to only find out that it was denied in addition I can not access any of the money in my account or use any of their banking services. I could not even put gas in my car and go to work. I could not purchase lunch once I did get to work