WillisBack/dataset-financial-user-claim huggingface dataset:
I have been on the phone with American Express for over 4 hours this week. I signed up earlier this year for a credit card product that came with a {$450.00} annaula fee and I would receive XXXX points. I paid the annual fee, made the requite purchases to receive the XXXX points and American Express wo n't release the points to me. My account shows the points have been credited to me, but AmEx has somehow and for some internal reason put a freeze on the release of the points to me. Their product advertising is misleading and deceptive. 
Their customer service is unhelpful, and unable to come to a resolution. 
I was told by XXXX of their representatives that the points on my account could be released on XXXX XXXX. I asked what did meant, and I was advised that there was a XXXX week window after I met my minimum spending criteria. I then escalated my complaint to multiple supervisors and was advised of XXXX different dates for when my points would be available. There is no reasonable basis for my points to be frozen and will an upcoming trip, I ca n't access my points for the purpose for which I applied for the credit card. I 've been told by several different customer service reps that they ca n't escalate unfreezing my account/points. 
AMEX is willing to admit the many mistakes they made but will not rectify the situation with me. They are not offering me nothing but a {$50.00} statement credit. AMEX costing me time, money, and distress. I would like the release of my points ( per their own advertisements and promotions, an apology from AmEx and a refund of my {$450.00} annual fee.
the day after I closed on a new loan it was sold to a company that uses Shellpoint Mortgage Servicing. They have lost and then mishandled my information and now I ca n't even get a statement and its very difficult to pay my premium. When I call their number they say I ca n't get account info because I am in bankruptcy, which I have never been. It is all so confusing that I do n't even know if my loan is being paid or not. Let me know if you can help. thanks
equifax let someone hack into their system and steal my id and they wont remove it after showing them the po report
We spent weeks in communication with XXXX XXXX, XXXX XXXX and others at JP Morgan Chase Bank in XXXX and XXXX supplying them with all the credit and loan documents for a potential re-finance loan of our property in XXXX XXXX, Texas. All the numbers were positive, including a top-tier credit rating, all the documentation was submitted and an appraisal of the property was done showing a significant value in equity of the property. All questions were asked and all answers submitted. We received a final call from XXXX XXXX saying that we were approved for the loan but there was XXXX criteria he neglected to mention earlier. We needed to deposit a million dollars plus, in assets to the JP Morgan bank before closing in order to qualify for this loan. We responded by saying we have submitted all the bank info we had and there was no secret accounts with XXXX dollars hiding to deposit into your bank. They also would have known this by seeing it in the research of the loan process. I asked why did he just now tell us after many weeks of us providing all of our documents and taking hits on our credit reports. He said he forgot. The fact is we believe it is a simple case of Bait and Switch. Simple fraud. I had asked XXXX straight out, if we could deposit XXXX dollars into their bank would we be eligible for the loan. He said " Yes ''. We received a credit report and letter recently that stated we were not eligible of the loan because of our credit to debt ratio. This is certainly a cover up act to make it look like we were not elegible. The fact is, and the documents and correspondence reflect this, is that we had plenty of credit and equity to be qualified. And if we were n't, this would have never gone this far in the process. While I do n't feel there will be any resolve in this matter, I do wish to make clear to consumers that there is still corruption and fraud going on in our financial institutions and please make it priority XXXX to make sure you have asked all the questions and above all make sure you deal with reputable people who have solid integrity. The players in this scam were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I believe their supervisor to be XXXX XXXX. 
XXXX XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Advisor XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.
XXXX and TransUnion are both reporting a public record on my credit file. On my XXXX they have the court listed for this public record as XXXX XXXX XXXX XXXX. First, I am not a resident of Connecticut nor have I ever lived there. Just to go through the process I contacted the court clerk at the court listed and they had no record of the published docket number as well as stated they do not report to the credit bureaus. When I asked XXXX where they received the information they stated that the court provided the information to the bureau and that was a lie. Transunion did not ever provide a court name for me to contact. Just as XXXX stated the court furnished this public record to the bureaus TransUnion is stating the same thing which is untrue because again no courts report to the bureaus. TransUnion does not even list a court name to contact, but as the clerk of the federal court stated NO FEDERAL COURTS OR ANY OTHER COURTS UNDER ANY CIRCUMSTANCE REPORTS TO ANY OF THE CREDIT BUREAUS.
I placed an order with XXXX ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. The furniture was not delivered and the check was not cashed by the authorized party. I contacted Chase Bank and reported the fraudulent check, and they were only concerned about who wrote the check. However, they refused to address the issue about the unauthorized party cashing the check which is also fraud. Chase has no record of who cashed the check, has been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud.
I have been contacted on numerous occasions by this company who claims to be affiliated with XXXX XXXX XXXX, XXXX/XXXX  XXXX and XXXX XXXX XXXX XXXX ( Attorney Firm ), XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( Office Phone XXXX ) On most occasions I have been dealing with a person named XXXX, who has been very rude to me and my family members. This company has also contacted members of my family ( parents, in-laws, children, & stepchildren ) in their efforts to collect this so-called debt. They are claiming to be trying to collect a debt from Wells Fargo on an overdrawn old checking account from more than 8 years ago. I was instructed by XXXX to contact the collections & recovery department for Wells Fargo which I have done. The bank shows no record of any accounts in my name which were previously or currently sold as a collection for me. This company has continued to harass me and my family members by phone, threatening that they are sending a process server to my home as they are filing a judgment and civil collection action against me. I have checked local court records and no such information exists on my. I have requested documentation from this company in writing regarding this alleged debt which they have not produced.
Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.
This correspondence concerns a failed automated bill payment process with USAA Bank Signature VISA ending in XXXX. Please see the attached uploaded document for further details
I just found out that American Express increased my APR to almost XXXX % a little under a year ago. I contacted them to see when they notified me of the increase, and they claimed they did so on XXXX/16. I never received any notification through the mail or telephone, and I also searched my email around that date and see no notifications from them.
I was contacted this morning by CBE Group at XXXX local time to collect a debt for XXXX XXXX. I specifically asked XXXX to not call me any further regarding the debt unless we were discussing negotiations regarding its legitimacy. Yet, here we are XXXX with my cell phone ringing to a debt collector. 

XXXX is attempting to collect almost {$1100.00} for XXXX XXXX XXXX XXXX devices that were damaged from day one. I made every feasible attempt possible to resolve the issue and have the devices repaired or replaced, XXXX refused to comply ( their excuse is that Franchise locations do n't have to abide by XXXX XXXX XXXX ). The final attempt to resolve the matter resulted in a store manager rudely telling me that my issue was n't their problem and I could leave. 

So I left, not just the store, but the whole company. Obviously I was n't getting anywhere by talking to them anymore ( and I 'm still not either ). I attempted MULTIPLE times to resolve any outstanding balances with the company, they refuse to negotiate or work with me on the matter and expect me to pay full retail for XXXX broken phones. I offered to come to a fair and reasonable settlement, they wo n't have it. 

Then this morning ( XXXX ) XXXX tells me that regardless if I would have given the phones back or sold them outright, I would have to pay the same amount of money to them ... but I was wrong in selling the phones outright? 

I have informed XXXX/CBE Group that as of this moment that they are to not contact me again unless it is with a fair and reasonable settlement offer and I will gladly be taking this matter up with the necessary parties to have this debt not only settled but never posted to my credit under my Right to Redressal.
I received a copy of my credit report sometime in XXXX. It shows I had a 30 day late payment to XXXX Account XXXX which was not true because I have had a XXXX balance for quite some time. I called XXXX and they admitted their mistake, then sent me a letter dated XXXX XXXX stated they would delete the delinquency from the credit report. I waited 30 days and it had appeared to be removed from XXXX and XXXX, but not Transunion. First I filed an online dispute with Transunion ( case XXXX ). It came back with the delinquency still showing up. I called Transunion and they said it was XXXX fault. I called XXXX and they said they had sent everything in they needed to. Then I called Transunion back and conferenced in XXXX at XXXX. His number is XXXX. XXXX told Transunion they had sent everything in to remove the 30 days late mistake. They even sent me another letter dated XXXX XXXX, that the delinquency should be removed. Transunion told me to file another dispute. That came back denied as well even after I uploaded the letter from XXXX that the delinquency should be removed. 
On XXXX XXXX at XXXX PST I spoke with XXXX person at Transunion that could n't resolve my issue, then I got her supervisor, he could n't resolve it so I was transferred to HIS supervisor XXXX who told me that the last supervisor tried to do a phone verification with XXXX to verify the delinquency was n't valid however XXXX would n't give out any information. I told XXXX I could conference XXXX in right now to verify. He said he did n't have that capability and I should call back tomorrow and ask for " Special Handling in the XXXX '' who can do phone verifications. 

This is absolutely ridiculous and I have never gone through a phone experience this bad, all while my credit score is inaccurate because of an incorrect delinquency that the creditor is admitting is not accurate. 

Please help me. 

XXXX
I requested a new card with my previous address, was informed that my card was sent out on XX/XX/XXXX. 
Was told it takes 5 to 10 business days. 
Called in when I did not receive card, was told it was sent off on XX/XX/XXXX Today is the XX/XX/XXXXand still have not received card. 
Please address this matter A.S.A.P. 

Thank You XXXX XXXX
After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help.
I am unable to get detailed information regarding the origin of the loan in question. I am only given my bank account number and date.
I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. 
They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. 
Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. 
I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. 
This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. 
I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. 
XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. 
Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. 

Kind regards, XXXX XXXX
On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on Transunion and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
My original complaint was submitted in XX/XX/XXXX. Equifax, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived. 

I have been denied credit and housing because of this negative item as previously complained in XX/XX/XXXX.
CHASE FINANCE HAVE CHARGED ME XXXX FOR MY PROPERTY TAXES FOR YEAR XX/XX/XXXX/XX/XX/XXXX AND THEY OPENED AN ESCROW ACCOUNT AND NOW I`M STILL PAYING FOR SOME TAXES I ALREADY PAID THEM ON MY OWN AND I HAVE PROOF OF PAYMENTS, I CALLED THEM MANY, MANY TIMES BUT THEY DID NOT ASSIST ME WITH MY INQUIRES.
There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all 3 credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all 3 credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.
I have been making installment payments on a charged off credit card for several years to a company called Hunt and Henriquez. I have requested several times to get original information about the debt which was XXXX XXXX, and I have also requested a break down of the original debt vs payments made, etc., and finally I have made several attempts to settle the balance and the company is uncooperative and does not give me any proof of balance or credits. My bank statements show the payments, but it seems like I have paid over the original card balance by this point. they also do not return phone calls. their representative XXXX only discusses my file if I call there and get ahold of her, she never calls me back. Which I have phone records to prove that.
There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.