WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX My brother was killed ( XXXX ) in XXXX last year on XXXX XXXX. 81 days later my father passed away from a XXXX XXXX/XXXX  of losing my XXXX XXXX XXXX XXXX XXXX age XXXX years old. The Army is currently XXXX me under lone survivor to take care of my family deaths. <P/> Nation Star Mortgage Company is the loan # XXXX. They are not recognizing that I am a service member of the XXXX XXXX. I have been denied loan modification and they are proceeding in foreclosure. I wish to stay in the home, I have no where to go. Nation Star mortgage has had home inspector come to resident and I have been harassed numerous occasion. Their home inspectors have pulled in my driveway and yelled pay your " XXXX Mortgage ''. They do n't know the circumstances and the home inspector when I came out into the driveway he reached in his car and got a bat. I told him to leave and called police. Their home inspectors keep pulling in the driveway taking pictures and speeding off. I followed numerous inspectors and told them to stop stalking my house and sitting in front taking pictures for 10-mins. My wife has recently purchased a firearm because of the harassment. Nation Star said their house inspectors, the gentlemen who approached my wife on the property said he was with the bank. I suffer from XXXX I served XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX and XXXX I have contacted MD sheriff XXXX and he said they are n't allowed to do all this. Sheriff XXXX said their breaking the law for even putting the house in foreclosure status. If they come on your property again we will arrest them for trespassing and advised me not to discharge my firearm unless they try to come in the property. I currently had friend a XXXX Police officer XXXX XXXX XXXX staying with me at the residence to make sure nothing happens anymore. <P/><P/> Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I wish I could have chosen multiple answers from the above drop down, as almost all apply. 

This company API Recovery Solutions purchased an old charged off debt, and now continues to call me and my family members. Harassing and leaving voice mails that they are going to take me to court and garnish my wages.
ON XX/XX/2016 I had a deposit of XXXX into my account and on the same day I had XXXX different companies authorize XXXX different transactions in the amount of XXXX and XXXX both of which were approved. Then on XX/XX/2016, while those XXXX transactions where still pending I used my debit card for XXXX other transactions XXXX for XXXX and another for gas in the amount of XXXX, at the close of business on XX/XX/XXXX those XXXX transactions where both still pending and my bank which is Bank of America preceeded to charge me an verdraft fee for both the first XXXX and the XXXX, stating that at the time those items posted that my account was overdrawn, at which time it was not, I had the funds to cover the items.When I called and spoke to Bank of America, they stated that at the time those items came into my account it was overdrawn, which in fact it was NOT. The representative proceeded to show me on another screen where it showed it was overdrawn. I noticed that on that screen Bank of America re-layered the transaction showing the XXXX pending transactions as still pending but coming in first and the rest of the transactions after and that is how they are getting away with charging me the fees. How can a bank charge overdraft fees on transactions that were already approved and had not overdrafted my account. So the XXXX transactions that they charged me fees on where autherized first on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016, but they are saying at the time they posted to my account it was negative, however the item that they said made it negative was a transactions that was done on XXXX/XXXX/2016 and is still pending and will not post to my account until the close of business on XXXX/XXXX/2016.
In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus but only received my report from Equifax in which I found a judgment from XXXX XXXX XXXX for an account that I knew nothing about. Whilst investigating this information I approached XXXX XXXX Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Equifax make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail.
There are 3-5 accounts that were late payments and are a part of my payment history. These incidents occurred in XXXX of XX/XX/2014. I researched this an found that it should be kept up to 3 years. please help
XXXX  and Transunion continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.
On XXXX XXXX, I was persuaded to open a new XXXX XXXX credit card account with American Express with a welcome bonus offer. The bonus offered XXXX XXXX XXXX XXXX in exchange for opening this account and meeting an initial spend of {$1000.00} in 3 months of account opening. 


XXXX XXXX points are worth approximately {$400.00} when valued at half a cent each. 


I met this spending requirement on XXXX XX/XX/XXXX. I confirmed this with American Express customer service via their chat function on their website in XXXX. I was told the bonus could take up to 90 days from the statement close to post. 


The statement where I met the welcome bonus closed on XX/XX/XXXX. 


On XX/XX/XXXX I did not receive my XXXX XXXX points as promised. 


On or around XX/XX/XXXX, I contacted American Express customer service via their chat function. They informed me that there was a technical glitch and that an internal inquiry would be created to investigate the issue. I was told such inquires can take up to 30 days to resolve. 


On XX/XX/XXXX, I called American Express customer service on the phone to check on the inquiry. I was told the inquiry was still open and to check back after the 30 days had elapsed. They also informed me that I would be receiving an explanation in the mail and I may need to wait 4-6 weeks from the inquiry opening. 


On XXXX XXXX, XXXX, I did not receive my points. 

On XXXX XXXX, XXXX, I had still not received my points. I contacted American Express customer service via their chat function. They informed me that I would need to wait 4-6 weeks from the inquiry for the issue to be resolved. 


I have heard that I am not the only customer experiencing these issues with American Express following through on their promotions in a timely manner. Even though I have been assured by American Express that I met all requirements to receive my bonus, the bank appears unwilling to honor their obligation to me in the time frame promised. 


I am extraordinarily unhappy and suspect that American Express is attempting to defraud some of its customers by not following through on their obligations and hiding behind the excuse of a glitch. I wonder if an inquiry to make me whole ever would have been created had I not contacted American Express regarding this issue. Perhaps they would have simply kept both the profits from me and their welcome bonus. 


American Express must credit my account immediately or additional steps will be taken to collect my promised bonus. 


THE COLORADO CONSUMER PROTECTION ACT : ( 2 ) any person who, in a private civil action, is found to have engaged in or caused another to engage in any deceptive trade practice listed in this article shall be liable in an amount equal to the sum of : ( a ) The greater of : ( I ) The amount of actual damages sustained ; or ( II ) Five hundred dollars ; or ( III ) Three times the amount of actual damages sustained, if it is established by clear and convincing evidence that such person engaged in bad faith conduct ( C.O.S. 6-1-113 )
I Open up bank of america credit card account in XX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with bank of america and few months later it was denied by them and they marked the card as ' as lost ' and i called bank of america and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from bank of america and i check my credit score and it went down to XXXX from XXXX and i called bank of america on the XXXX of XXXX and asked them to email or send a letter to 3 major credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my XXXX credit report
I received this notice from Nationwide Debt Reduction Services LLC about Credit Card Settement with a 10 day response to the notice.
ACCOUNT RESOLUTION SERVICES ACCOUNT NUMBERs : XXXX and XXXX XX/XX/2016 XXXX, XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT RESOLUTION SERVICES or any company associate with this account # XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT RESOLUTION SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL XXXX
I owe money on my Sam 's Synchrony Bank Mastercard. I am in a debt management plan with XXXX to help make the payments. I constantly am receiving phone calls at abnormal hours of the week, such as on the weekends and at night time claiming to be collection calls, but then when we pick up the phone, no one answers. So, someone there is stalking us via the telephone.
I have two fraudulent inquiries on my credit report from XXXX that they refuse to have removed every time I call them they say that they sent the paperwork to transunion ... I contact transunion and they say they can not remove it without a release from XXXX ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my transunion credit report that XXXX will not remove ... but they say they send request to transunion ... but again the inquires are still there
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.
Equifax has a Bankruptcy showing in my credit report that IS NOT MINE, I have never filed for bankruptcy, and there is not a clear cut way to protest this record for me so far, also the record shows false information reported by XXXX, i have never filed bankruptcy,
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to Trans Union, XXXX and XXXX   regarding XXXX XXXX XXXX/XXXX for {$2300.00}, XXXX XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.
Specialized Loan Servicing ( SLS ) engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I provide SLS with the enclosed Notice of Error & Request letter for Information pursuant to XXXX. SLS never responded or took any corrective action pertaining to my my monthly income. SLS never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX 
SLS incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00}. per month on XXXX XXXX, 2016. This error makes it appear my loan modification request did not meet the requirements. 
I also previously sent via fax and email the same updated profit & loss statement on XXXX XXXX, 2016 and verified with a SLS representative via phone call that they received the profit & loss statement. 
The SLS representative told that they did not use the updated profit & loss statement during the processing of my loan modification request and instead pursued the prohibited practice of dual tracking.
I was informed by XXXX/XXXX XXXX that my account would be closed at the end of 2017 because they were discontinuing the card. As I was checking my account, I found out that they charged me an annual fee on XX/XX/17 for {$49.00}, 4 days before they closed my account. This is blatant theft and wrong. Others should know about this so they do n't get ripped off.
On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}. 
I received it on XXXX XXXX, 2016 at XXXX. 
Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it. 
I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network. 
XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN . 
I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing. 
As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}. 
I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas . 
I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.
Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.
I submitted a dispute with Equifax Information Services on XXXX XXXX, XXXX for a collection account with XXXX XXXX XXXX in the amount of {$570.00}. The account was in error, as XXXX XXXX XXXX had billed me for services that they never rendered. Equifax removed the information from my account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Equifax reinserted this account on my file for {$570.00} under another company name XXXX XXXX XXXX. This was done dispute receiving sufficient information from me to show that the account was submitted in error. I disputed the account with Equifax to which they did not remove the account from my file.
We have a loan through Stearns lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that Stearns lending services has sold our loan and we would be making payments to XXXX XXXX XXXX on the XXXX of XXXX. 
On XXXX XXXX our mortgage was withdrawn by Stearns lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. 
I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out twice, This made no sense to me because the agent could see the double payment on her computer screen this was evident by her statement, " ok i see the payment on the 2 and the 10 '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. 
After that i called Stearns Lending about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. 
I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. 
It would be one thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out 2 in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help.
I requested that  three  accounts that has been added to my  XXXX   XXXX  and Equifax credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts but  XXXX   XXXX  and Equifax says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my Equifax and  XXXX   XXXX  and they should be removed immediately :   XXXX   XXXX     {$800.00}   XXXX   XXXX     {$1700.00}   XXXX   XXXX   {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX   XXXX   for any services EVER ... ....     Please remove items as they are ruining my credit score.