WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the Amex EveryDay card with the sole intention of transferring {$10000.00} upon approval since they were offering 0 % balance transfers and 0 % APR for 15 months. I thoroughly looked through the terms and conditions, and all applicable additional information online, found at the following two Amex websites : https : //www.americanexpress.com/us/credit-cards/card/amex-everyday/ https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/amex-everyday-credit-card/36502-10-0/? pznOfferCode=2USH-57UK9D-31LD-SZW # FeeTable There is no mention on the website about a maximum amount you are allowed to transfer with the exception of " You may not request a balance transfer amount less than {$100.00} and the total amount of balance transfer request ( s ) must not exceed your credit limit. '' Seeing that I was approved for {$15000.00}, I should be eligible for a $ XXXX balance transfer. However, they told me that their policy only allows for a total transfer of {$5000.00}. This is very misleading. 

Furthermore, when I was on the phone with Amex, they told me they could up the balance transfer to {$7500.00} because it was their current policy. I told them that still wasn't the $ XXXX  I was planning to transfer. When I spoke to a supervisor telling her this, she said that the {$7500.00} offer was revoked after I was approved for the credit card. 

XXXX was the name of the supervisor, and she put me on hold to review the terms and conditions. When she came back, she told me that I was absolutely right, but they weren't going to do anything about it immediately. 

At the very least, I'd want to transfer the $ XXXX that I planned. However, because Amex was misleading in their terms and conditions can not do that with this card. I would have applied for another credit card that honored their terms and conditions but having applied for this card hurt my credit score. I don't feel comfortable getting another card with another credit company because my score has already taken a hit.
Hello, My law each person is allowed an annual credit report from the 3 credit reporting agencies. Every year I get them by following the link at ftc.gov. Except from Experian. Every year Experian 's link is faulty. And when I try and call hold time is between 45 minutes to an hour. It happened 2 weeks ago and it has happened again to me today. The error message is below : We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The link NEVER WORKS. Most people give up and never get a free report from Experian.
XXXX XXXX Regarding loan number XXXX XXXX for the estate of XXXX, Mi. XXXX The following outlines the difficulties that we have been having for the last three years with Chase Bank, with regards to the mortgage of my late mother 's home in XXXX, Michigan. 
Shortly after my mother passed away Chase Bank demanded a full reinstatement payment of {$4700.00} which was made on XX/XX/XXXX. 
The following month, we went to a branch location to make a payment and were told that payments would not be accepted, due to the fact that there was no longer a loan. We spent the next three months trying to straighten this matter out with Chase, to no avail, until I personally ran a deed and title search on this property, what I found was that on XX/XX/XXXX, the day after we paid fully to reinstate the loan Chase changed the deed to themselves. This was formally recorded on XX/XX/XXXX. 
We have been embroiled in this matter since then and need your assistance to get Chase to release this loan to me, the property was given to me prior to my mother 's death and we are happy to pay on this mortgage, but Chase is making it impossible to do so. Also, there is a sale date set for XXXX XXXX. 
Please see all accompanying documentation. Thank You for your assistance with this. 
XXXX XXXX XXXX
We were awarded a loan modification XX/XX/XXXX for {$4000.00}. We had to file again in XX/XX/XXXX. A process that took 16 mo, only to be told we didn't qualify. Placed us in foreclosure. I had to take other measures to save our home. Only to find out that the company was awarded {$5800.00} on our behalf. Why were we in foreclosure if the money was awarded to them?
I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
I have notified Transunion of the XXXX XXXX - Acct # XXXX that is reporting on my credit file. This account is either not mine or is inaccurately statused as included in bankruptcy. Please remove this account from my credit file.
We got a call from Macy 's department store on XXXX XXXX, 2016 asking me to contact them immediately. I did and to my surprise they told me that I have a balance of {$150.00} which is two month delinquent. They also told me that they have informed all credit bureaus, which basically ruined my credit score. I have worked so hard to keep my credit clean for 20 years and is ruined now because of {$87.00} worth of purchase that I have never made. 

I used to have an a/c at XXXX 15 years back but never purchase anything from Macys. I told the Macy reps that it is a case of fraud and I did not use or authorize anyone to purchase on my behalf. They referred my cast to their fraud unit and she told me that I need to find a claim and she would send me claim form and I need to know my account number and the amount owe. I told her that I did not have an account and if she can send me the billing statement. She told me that the company policy does not allow that. After pressing she agreed to send me the billing statement through e-mail. During that discussion she told me that they have an old email ID that I do n't use anymore. She told me that the company acquired another company and the e-mail system got all messed up. 
During her discussion she asked to call her back again now with my wife to make sure that she did not make any purchase. I told her that this is my account it has got nothing to do with my wife. But, I wanted to settle this issue as soon as possible. 
We called back the same night and again went through the same procedure. The XXXX fraud unit specialist promised that she would send me claim form, billing statement, put stop request for collection or debt reporting. 
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.
I have XXXX checking accounts with Wells Fargo. Apparently they have been charging a fee every month to XXXX account because I failed to meet XXXX of the XXXX requirements -- that my account is linked to XXXX other WF products or services. I would have met the requirement except that my credit card was nominally linked to a second checkings account for which I already did n't have to pay fees. 

I finally noticed this and called Wells to report the issue that had been going on for a year. They admitted that it was a mistake on their part and agreed to refund 70 % of the fees. However, they would only do this for the previous three months ' fees because " the tool for refunding only lets them go back 120 days. '' This does not seem like an acceptable reason for failing to compensate customers for their mistake : if they err and take {$120.00} from me then I should be entitled to all of it back without their own internal tools as barriers! If others have been experiencing the same problem of WF only refunding mistakes through 120 days prior, then I imagine this could be a case of serious aggregate consumer harm.
due to XXXX incompetence and continued corruption im forced to contact this other XXXX   shopping plaza office having derelict company as well, who im sure is also an outsourced 3rd party call center so why waste my XXXX time calling? hey I bet the same XXXX reading this works for all 3 of your XXXX companies I bet the same XXXX XXXX XXXX from XXXX reading this is the same XXXX XXXX  XXXX who replies to outsourced XXXX, cfpb, and XXXX  LOL I already know what the reply will be 'were working on it '. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector to wait XXXX years to start collecting it, no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint and everytime you XXXX XXXX  XXXX say YES ITS A DEBT.it sure as XXXX isn't mine. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your XXXX and XXXX tendencies. you are repugnant a waste of oxygen and make me want to vomit.
I had XXXX XXXX never used its being reported twice on my report I never got any support docs to show anything about these cards
I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account
I attached my latest report from XXXX XXXX, I tried to directly log into Transunion but, it says it does n't have my information available the last few times. 
I have XXXX account with XXXX XXXX XXXX, see attached. 
1- it reflects it is on a " payment plan '' it 's not it was paid in full through the court. 
2- it is not closed derogatory, it 's reflecting that because TU is in violation of the law. You ca n't report erroneous payment information and balances after the Chapter XXXX is filed, everyone is aware of the case. The judge suggested the bureaus just delete the creditor, simple as that : In re : Chapter XXXX XXXX XXXX XXXX, Case No. XXXX " Given all the facts and circumstances, including the Credit Union 's apparent good faith belief that it was properly reporting this debt, the remedy is for the Credit Union to cause the CRAs to remove the disputed information ''
Experian has not investigated nor notified me of disputed medical collections on my Experian report. 
I have tried multiple times to provide proof that these are legitmate bills owed, they fate back to 2013. 

Experian has failed on multiple occasions to provide any information on XXXX XXXX $ from 2013 XXXX XXXX {$2000.00}
I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.
I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared XXXX XXXX
Went to XXXX in XXXX, NC and wrote a check for {$57.00} The check was improperly denied. I received a call number slip with Telecheck as the point of contact. The denial code I received was Reason XXXX XXXX XXXX. I spent XXXX minutes on hold and I was abruptly dropped as soon as my call was transferred to a live person. I demand a copy of my Telecheck credit report. Also, if Telechecks fails to clear my file and resume authorization of check writing, I will have no choice but instruct my Chapter XXXX Bankruptcy Attorney, XXXX XXXX of XXXX in XXXX, NC, to file a Federal against Telechecks. 

Telecheck should know that their competitor, XXXX, engaged in similar practices and had a Federal lawsuit brought against them. XXXX lost the lawsuit had to pay XXXX in fines and punitive damages to customers. If need be, I will bring a similar lawsuit against them and if need be, find others to pursue a multi-party class-action against Telecheck.
XXXX/XXXX/XXXX, I went to the Texas state fair and talked to a representative of XXXX Firm about the promotional display they had. He asked if he could run my credit to see what types of product I qualified for which I agreed to, but he never asked if I wanted a credit card, and the form I filled out was not an application for a card, just authorization to pull my credit. I ended up not purchasing a mattress, and thought that was the end of it. 
On XXXX/XXXX/XXXX, I received a credit card with a {$14000.00} limit from Synchrony Bank, that could be used with a few select vendors, including XXXX Firm. On XXXX/XXXX/XXXX I called Synchrony bank, and they advised they could close the account, but that they would not be able to respond to my complaint about the fraudulent opening of the account, and that they could not remove any credit reporting impact caused by opening and closing account in a short period of time. 
I need assistance in getting this off my record, and some action taken against XXXX XXXX Bank for the deceitful and railroading practices they employ in extending credit.
I opened a wells fargo cash rewards card off an add on XXXX 's website. the ad promised a {$200.00} cash back reward as soon as i charged {$1000.00}. which i did in XX/XX/2017. When i called them they routed my call to the wrong department then that lady ( XXXX  ) refused to give me any information on my account. and would not transfer me to anyone who could or would be able to help me. Wells Fargo engaged in false and or misleading statements to get me to open a credit card and is now refusing to provide the rewards for 4 or more months. what kind of crooks are they? I demand that they send me my {$200.00} cash reward immediately You should also note that wells fargo engages in so much fraud on has to wonder if they are paying the CFPB to remain open so they can continue to defraud Americans.
As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. 
It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. 
The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be.
Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle
I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by XXXX XXXX XXXX XXXX.
In XXXX, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on XXXX of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had XXXX liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a {$0.00} balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of {$15.00} has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, XXXX perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.
In mid XX/XX/XXXX, I was contacted by this company about an outstanding balance from XXXX. This company stated my name, but gave an address that I havent previously lived at before. I filed a complaint with the BBB, explaining that I had not made the purchase, and asked for evidence. The company stopped contacting me, until today, XX/XX/XXXX. I once again stated that I had not made the purchase. The agent stated the same address that I had never lived at.
My lender will not provide a monthly bill. I am ahead on my payments, therefore my account is in a prepaid status, therefore ACS does n't send out bills while interest accrues on the account.
Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on  XXXX / XXXX / 2017  in regards to an account,  XXXX   XXXX  Bank, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on  XXXX / XXXX / 2017  requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.     Under the Fair Credit R eporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and retained in their file at the time of my request concerning the accounts that they are reporting in my credit report. 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 they do not investigate AND respond, Experian must delete the disputed information from its files.      I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing  them to 3rd parties, Experian is damaging my reputation and credit worthiness.