WillisBack/dataset-financial-user-claim huggingface dataset:
So I got an email saying " Prime Day Offer : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card Full terms and conditions : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card : This is a limited-time offer while supplies last. Offer limited to XXXX per customer and account. Offer is combinable with other Prime Day offers. This offer is available to Amazon.com Rewards Visa Card members only. 

Get {$30.00} off an Amazon.com purchase of {$150.00} or more by selecting your Amazon.com Rewards Visa Card as your payment method and entering the promotion code XXXX at checkout. Promotion code commences at XXXX. ( PT ) XXXX XXXX, 2016, and expires at XXXX. ( PT ) XXXX XXXX, 2016. 

Offer applies only to products shipped and sold by Amazon.com. Products sold by other merchants or third parties do not qualify for this promotion. If Amazon.com is not the seller this will be noted on the product detail page. Offer applies only to the purchase of eligible items made with the Amazon.com Rewards Visa Card. The maximum benefit you may receive from this offer is {$30.00}. Offer does not apply to digital content. Items must be purchased in a single order and shipped at the same speed to a single address. This promotion is available only to customers located in, and with billing addresses in, the United States. Offer discount will be allocated proportionally among all promotional items in your order. Shipping charges may apply to discounted and free promotional items. Taxes, shipping and handling, and gift wrap do not apply when determining minimum purchase amount. This promotion can not be applied to orders already placed within Amazon.com. Offer is non-transferable and non-exchangeable and may not be resold. If any of the product or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies. Promotional codes ( including those placed directly in accounts ) may not be redeemed for Amazon.com Gift Cards unless an Amazon.com Gift Card is the stated benefit of the promotion. Amazon reserves the right to modify or cancel the offer at any time. Void where prohibited. If you violate any of these terms, the offer will be invalid. Chase is not responsible for provision of or failure to provide the stated benefits and services. '' I go and try to use it around noon my time on XXXX XXXX. Code does not work says invalid. I call chase and they tell me oh it expired yesterday. I got esced to a Sup at chase to be told no it expired that day prior to XXXX ( PT ) on XXXX XXXX. 

I currently have XXXX chase cards and a bank account with chase. I am about to close them all there is no REASON for them to send out a promo to someone and when you try to use it nope sorry ca n't use it it expired. This seems to be some sort of manipulation done by chase trying to trick thier card holders
I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that Portfolio Recovery Associates provide me with validation of the account they have listed under my social security number that they are reporting to the XXXX credit agencies pursuant to the Fair Debt Collection Practices Act. Due to the inaccuracies in these credit reports I have asked for a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. With all these request they have failed to provide me with any substantial validation which is a violation of the Fair Debt Collection Practice Act.
Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.
I ha ve   XXXX    account s   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    American Express    XXXX   XXXX    But on my report they show only  XXXX  accounts and that 's the r eason my score went low
I worked with a company to install a patio on my home at the time and the builder secured the financing for me. After, the work was completed a representative from the builder had me sign paper work verifying it was complete and contract for the financing. The paper work was very general to a normal installment loan. This was XX/XX/XXXX. I sold the home in XX/XX/XXXX paid the loan off in XX/XX/XXXX. There wasn't a lien on the property at the time the home was sold. 

I'm currently trying to close on a new home purchase with FHA financing and have learned that this account has been reporting a mortgage type account. The financing paper work doesn't say anything as a mortgage type account. This was never explained to me at any time by the financing company. This was also completely new to the builder as well. I didn't receive any disclosures stating this was a mortgage type account. The loan on the paper work shows a Home Improvement Installment loan. I was under impression that this loan was just a traditional installment loan that was secured by the materials used to build the patio. Again, for years there wasn't a lien on my property. Because of the way this loan is reporting to the credit bureau my mortgage lender can't get approval for me loan. I literally ready to close and this has delayed the process. Everything including the appraisal and title work has been completed. 

I have contacted both the creditor and filed disputes with the credit bureaus. I haven't had any success with getting the account to changed to something other than a mortgage type account. The financing company has provided a letter to state that it's not a mortgage account, but has not changed it with the credit bureaus. The lender needs it changed with the credit bureaus. The financing company is blaming it on the tri-merger report, but it clearly shows as a mortgage account directly with the credit bureaus. 

The financing company is stating that they're reporting correctly, but this it's the case and that's why they gave the letter. The company mentioned the Fair Credit Reporting Act, but failed to explain everything to me as the consumer. I think the financing company failed to inform me and the builder at to how this financing is setup. 

Thank you
medical bills of more than $ XXXX @ XXXX % ; my mail was not forwarded from an old address ; abusive call on XX/XX/XXXX from XXXX at XXXX XXXX, WA XXXX Very rude and threatening. 
I 've paid off all the debt, and need some form of written record of that. I requested this several times in XX/XX/XXXX, with no result. I have my CC receipts, but called them to request a record on XX/XX/XXXX " We ca n't do that '' After XXXX min. on the phone, they said it was going in the mail the next day, I have yet to receive anything.
Son - I received a subpoena in the mail stating that I owed {$470.00} to XXXX XXXX XXXX and they were going to take me to court if I did not pay them {$270.00}. I called them and told them that I did not borrow the money, they told me that I still owed them the money and that I would have hire a lawyer to prove that the account was n't mine and that the attorney would cost more than the money I owed. I tried to borrow the money from my mom and she said that she would check into this, that I should not pay for something that I did not do. 

Mom - I checked into the phone number and realized that it was a scam wherein the company was trying to exhort money from my son by threatening him. I called the company on the letterhead and told them that I knew this was a scam and not to expect money from him, they claimed that my son told them that he borrowed the money and agreed to pay it back. They also claimed that they did not threaten him, if a law suit is not a threat, I do n't know what one would be. I also called XXXX XXXX XXXX and they have no record of him ever borrowing money from them. I do not know how they got my sons information but as they has his name, address and last XXXX of his social security number.
XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account XXXX & Experian please remove & delete false account immediately
The managers at the Bank of America location on XXXX XXXX XXXX XXXX XXXX, Tx XXXX verbally refused to submit a suspected abuse of elderly report despite many family members requesting it and an investigation into the practices of one of the account holders who has been forging signatures and is suspected of misapplying, misappropriating money belonging to family members.
Best Buy/Citibank has been charging me debt protection fees without my authorization. I just found out recently the total is {$1000.00}. In addition, I believe those fees have prevented me from paying off promotional purchases before the expiration date cost me at least {$500.00} more in back charged interest. I have disputed this, but have not heard anything except they would cancel the service.
This company, Pressler and Pressler have sued me over a debt that I have disputed since about XX/XX/XXXX. They even tried wage garnishment XX/XX/XXXX which they lost that case because I was n't making enough money. Now, they have sent a sheriff to serve a writ of execution to my realtor broker, to garnish my next commission check to cover the alleged debt. No proof of court order either. It 's alot of money for me to just give up and stop the fight, but I do n't have any money to hire an attorney, either.
Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments.
The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.
Experian credit bureau is being un-fair in their request for a credit freeze in order to get members to sign up for monthly payments! I was a payed customer in Experian for credit monitoring. For paying customers, they offer a Credit Lock, which is more or less the same as a credit freeze. After I cancel my payed account the Credit Lock was cancel and so I wanted to put a credit freeze on my account. Although I was a credit monitoring service member and Experian has all my information and verified my identity ( as part of a new member procedure ) every time I tried to place a credit freeze on my credit I get the message we were unable to process your request please submit your request by mail. This is completely unfair! They have all my information! I am able to log in as a member, I am able to pay {$9.00} a month to put a Credit lock on my account in one step but have no way to put a Credit Freeze on through my account! otherwise how will they sell the Credit Lock? In all the other companies ( XXXX and XXXX ) I was able to put a freeze in one step with no trouble, only Experian are using an unfair tactics to gain paying customers!
Multiple times daily and weekly from Zwicker and Associates throughout 2018. Repeated calls after I sent a cease and desist letter in XX/XX/2018.
The choice I chose above best describes what happened, but there is so much more. They threatened to take us to court and sue, threatened to damage our ( both my wife and I 's ) credit score as much as possible and garnish both My wife and I 's employment checks until debt was settled. We also can not confirm this, but we think there have been attempts by XXXX to contact us through our employers. We want to work with them and pay it off as we did n't even know that this medical bill existed until he called. That is nobody 's fault except ours, and we know this. We will fix it, but he is being very forceful and very abusive in his calls. The agent 's name was XXXX with Asset Systems. 

After this conversation with XXXX, my wife called me crying. So, I called him to ask for the name of the company he was with, He immediately went to " Do you want to speak to my supervisor? '' I said no, I just need the name and address of your Company please, which he provided. I wanted to report them for this abusive call and their tactics of trying to collect a {$600.00} debt. We my wife called them back during her lunch break today and to settle on a payment plan, but now I feel I need to take action against them for this type of behavior.
On XX/XX/XXXX, I called Equifax to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as she was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative.  I explained to him what happened and how the previous US  was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires.  I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the  previous US Representative I was speaking to could delete inquires but he wasn't able to.  The US Representative was very rude and didn't care to help me address this issue.  He stated that I could not be connected to the previous US Representative.  There is a total of of 15 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places and financial loan companies in which I did not authorize to pull my credit. •	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX ( XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)
Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you
Pa housing finance agency was charging me {$100.00} a month, and then it was lowered to {$50.00} a month and it was backdated. Now my experian credit report is showing 180 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, 120 days late for XX/XX/XXXX-XX/XX/2018. They have XXXX past due. This is not correct, based on the payments I have made and my payment amount changing, my credit report should not have any late payments on the dates I provided above.
Hard inquiry on my credit report with Equifax for XXXX XXXX on XX/XX/2018. I have no requested any product or service from XXXX to result in a hard inquiry. Unknown how my information was obtained by the company. Have requested it be removed from my credit report on several occasions, including with Equifax and the item in question still remains. I have never done business with XXXX nor do I have any intentions of doing so.
Account paid in full, debt collector does not want to confirm XXXX balance with XXXX.
This account was open in my name last year by my ex wife and she have sinced then paid off account when the company call me somehow with a debt..I did not authorize this account to be open and now that the obligations were met i want the account removed from my credit report
In XXXX of XXXX I became unemployed at which time we spoke to Wells Fargo Mortgage company and they decided that if we could pay {$610.00} starting in XXXX of that year we would be safe. They gave us a renewal of the promise in XXXX of XXXX and we continuously paid thinking they were working with us and, as I am in education, they would wait until XXXX of XXXX before the situation worsened. In XXXX of XXXX while we were still paying the XXXX monthly one of my friends told me my house was on the foreclosure list and it was. It was listed as still owing {$200000.00} and being sold by a bank out of XXXX ( as Wells Fargo informed us as initially I reported it out of XXXX. The bank said it was extended from XXXX to XXXX ). My contract clearly states my mortgage can not be sold unless I am informed, we were never informed of anything. At one point Wells Fargo tried to blame XXXX for putting us into foreclosure, and then claimed we were still owned by them. We went through several changes with the bank, which you were previously told of but the matter is the monies involved during the transactions that can not be accounted for. 
We paid XXXX for 10 months as we were supposed to be on a plan to help us keep our home which amounts to {$6100.00}. 
In XX/XX/XXXX we paid {$26000.00} which they listed on their records on XX/XX/XXXX as {$18000.00}. 
Interesting enough it was listed on the foreclosure site as still owing {$200000.00} but suddenly it was now {$210000.00}. The {$26000.00} took us from the wrong aforementioned balance to XXXX. WHAT HAPPENED TO OUR MONEY? 
on XX/XX/XXXX after many mentions of non payment it says we paid {$2000.00} and now our balance was {$210000.00}. On another line still dated the XXXX of XX/XX/XXXX it says we paid {$6200.00} now making the balance {$210000.00}. In XXXX with no warning and without giving us any type of modification they raised our payment from {$2000.00} to {$2000.00}. 
Adding up the monies put given to Wells Fargo - {$26000.00} + {$6100.00} + {$2000.00} = {$34000.00}. Wells Fargo has not only raised the amount still owed on the property but also claimed it was only paid {$26000.00}. I need to know where the rest of the money is and what right do they have to raise our mortgage payment. and take {$8100.00} with no explanation of same. 
I have a letter from Wells Fargo stating if we brought the mortgage current we would not have to pay lawyer fees or late fees. In addition to same they have mentioned it in several of the audio recordings I have. 
It is against the law to just raise someones mortgage without notification and why. 
Where is our {$8100.00}. 
How did it go from {$200000.00} back to {$210000.00}. 
Why does Wells Fargo do this to people and get away with it. 
Is there a class action lawsuit in progress we can join. 

It is important to note that XXXX X 12 mos X 16 years equals {$390000.00} dollars why than are they charging this astronomical price.
I don't have exact dates but I the past when I tried calling or answering the phone calls to try and pay for my all my loans I was told no. I could only pay a certain amount or they put me in forbearance. For my federal loans currently " FINALLY '' for the past few years I am on an income based payment plan but after all this time I now owe XXXX and XXXX for my private. They used to call and harass me to the point of tears asking me if I could borrow from other people. I asked over and over if I could make small payments and was told no. I currently pay XXXX for my federal and know I will not pay it off anytime soon. As far as my private I know I am XXXX!!! I will never be able to fix that now! I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl. I XXXX 2007 with a XXXX XXXX. I see that school isn't even on your list. I'm currently a XXXX a XXXX  there is no way I will ever be out of debt.
Due to unforeseen circumstances we requested a payment reduction for our XXXX XXXX XXXX. We spoke to a XXXX XXXX and she was to be handling our account. We email her XXXX pay stubs and bills that she requested. This was on XX/XX/XXXX. I continued to send messages up to XX/XX/XXXX when I spoke to a XXXX XXXX who advised me that XXXX XXXX was no longer with the company. During this time period my husband and I received daily phone calls about the XXXX. On multiple occasions we would answer the phone and speak to a representative up to XXXX times in a day. Their excuse was that they use an automated computer and they could not control who it calls. Not one of these representatives bothered to read the file to see that our case was being handled. I forwarded the documents to XXXX on XX/XX/XXXX and made several attempts to contact him about the status. Still receiving daily annoying calls, which I would answer XXXX it was XXXX XXXX with an account up date. XXXX XX/XX/XXXX I received a phone call from a XXXX XXXX who informed me my account was XXXX past due. He had no information regarding the XXXX previous individuals. I once again forwarded the documents to XXXX XXXX. I emailed him and he stated that he sent the documents on to be reviewed. I am aware that they are not legally allowed to call me several times a day, or cause my phone to ring endlessly! They however do not think this law applies to them. I asked them not to call me unless it was about the payment reduction. They claim I am removed from the automated system now after I made several complaints.
I recently consolidated my student loans with another bank/loan servicer. The loans after a lot of time in between were finially listed as paid in full. However there is a credit attached to my previous account. That credit has been on my account for well over 30 days and I believe American Education Services is purposely holding onto my credit as a way of punishment for leaving their company and add extra unnecessary interest charges to my new loan. I believe their response time to refunding this credit to me or my new lender is completely unethical and want this credited to me or my new loan ASAP
Card Member Services continues to call me to lower my rate. best part. i have NO outstanding debt! I have asked them repeatedly to take me off their list. They just hang up on me. I block the number and they use a different one. It is harassing and I want it to STOP! 
the last number to call me was XXXX XXXX XXXX. When I call back, it just rings and says person is not available.