WillisBack/dataset-financial-user-claim huggingface dataset:
Progressive Management Systems is the agent for XXXX XXXX XXXX have stated in a letter dated XX/XX/XXXX " XXXX XXXX XXXX XXXX has informed us that these accounts were initially cancelled as they were attempting to bill your insurance provider ; however, the above referenced accounts have been re-activated due to the fact that your insurance coverage termed as you were not eligible tfor the dates of service. Also you did not present your XXXX insurance information to your client and they were not able to bill in a timely manner. '' First, no services occurred on said dates in the total amount of {$150.00} dating back to XX/XX/XXXX. False billing. Second, if more XXXX was needed all that needed to be done was to contact my doctor and get authorization for more service. XXXX insurance was provided from day XXXX. Progressive Management Services and XXXX XXXX are irreputable institutions and have falsely accused me of monies owed.
Comenity Bank has obtained phone numbers of individuals who have nothing to do with the debt in question. An individual named XXXX contacted my son and specifically stated the call was in relation to an attempt to collect a debt. My son is not listed on this debt nor is he responsible for this debt. She also contacted an individual named XXXX XXXX, who has no relationship to me and no need to be contacted in any way. How both of these numbers were obtained is unknown to me. The number she called from is XXXX extensionXXXX. I attempted to find out how thes numbers were obtained with no success. When asked if there was a XXXX XXXX, they responded they had no knowledge of anyone by that name. When asked for the full name of the person I was talking to, he refused saying only his name is XXXX. Nor would he provide a direct number. 

I am well aware of this debt and have made small payments towards it upon getting a job after a period of unemployment.
CitiBank ran a credit card promotion on XXXX XXXX XXXX, the promotion offered " XXXX ThankYou points after {$0.00} spent in 3 months '' when applying to their Citi ThankYou Preferred Credit Card. I applied to this card online and was approved. 
Upon receiving the card, I noticed the written promotion became " XXXX ThankYou points after {$1500.00} spent. '' I called CitiBank, and was told the original promotion was " their mistake, '' but they would honor it if I faxed in the screen shots showing the terms of original offer. Furthermore I was told if I spend {$1500.00} or more, I would be awarded XXXX points ( from the original offer ) and an additional XXXX ThankYou points ( from current offer for spending {$1500.00} ), essentially make the promotion to be XXXX ThankYou points rewarded after {$1500.00} spent. 
I faxed in the screen shots of the original offer in XXXX XXXX. And within 3 months, I spent the {$1500.00}. However after 3 months I noticed I was awarded XXXX points instead of XXXX. I called CitiBank, but was told that the additional XXXX points are being processed separately, and it will be deposited into my account likely within a month. So I waited another month, and when no points were deposited I called back again, and was reassured again that they are still taking corrective actions but needed another month. This continued every month for the next several months -- each time I called back they would assure me the same -- until XXXX XXXX. When I called in XXXX the representative on the line told me since they had already deposited XXXX points, they consider my case to be " corrected '' and no additional points will be awarded. When I mentioned that CitiBank has been promising XXXX points all along for the past 7 months, the representative refused to acknowledge and said she considers my case has been resolved. 
In summary, CitiBank first used false advertisement to get people to apply to their credit card. After the card mailed, they claimed the initial offer was " a mistake '' and promised a resolution to get people to spend money on the card. But after their customers meet the spending requirement, they refused to honor their promise.
I currently have a loan with OneMain Financial and I am behind in my payments. They consistently call my phone - at least 4 times per day. Twice in the morning and again twice in the evening. I was able to answer a call on Saturday, XX/XX/2016 around XXXX only to be chastised about not being able to speak with a representative. After explaining that I was in a rush to head out of the door but would call back to discuss a payment arrangement, I was then interrogated as to what were the exact reasons behind my financial difficulties and when could they expect a payment. After again explaining that I was in a rush and unable to speak, the representative then stated that " they had been trying to reach me and could n't understand why I did n't have time to speak with her then ''. I then informed her that I did n't have time to speak with them b/c I was busy trying to find a way with work in order to pay the outstanding balance. At that point I again mentioned that I would return their call and ended the conversation. I understand that there is a balance due but this company has constantly harassed and threatened me and my fiance regarding our account. We have been paying down an account we opened years ago and still have more than half remaining. Their accounting figures do n't match what we 've paid and on top of that, they are n't easy to deal with. Given the nature of the economy and so many people having difficulties, it would be thoughtful enough of this company to not only provide training to their representatives regarding accounting practices but simple courtesy and compassion could go a long way. The constant phone calls and veiled threats to send the account to " legal '' - whatever that may entail - are over zealous and obnoxious. I have done a lot of research online regarding their company and their practices and it has considerably gone down over the years that I have had the account. My goal is to find any way possible to pay off this account and I will NEVER open another account with them again and WOULD NOT recommend anyone to use this account no matter how dire the circumstances.
I reviewed my checking account bank statement from  TCF Bank  and I saw several unauthorized charges to a  XXXX  accoun t (   XXXX   XXXX   XXXX   transit card ). They were small in dollar totals,  XXXX  a charge and when I reviewed older statements I saw these charges several times dating back to  XXXX  of   XXXX  . Although it never made me bounce a check I inquired a t TCF what these charges were for and the very nice teller stated when TCF sent out new debt cards they were linked to public transit. I asked when was I opt-in to this service and I was told I did n't, it was mention in the disclosure of the new debt card. I would love to know how much money TCF has made in over draft/NSF charges by others not knowing their debt card was being hit with a charge every time they boarded a train or bus. This seems to be a very clear UDAAP violation by not telling us, the TCF customer, about thi s service.
I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus Equifax, XXXX and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
I have contacted National Credit Management regarding Account # XXXX  at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt.

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO XXXX
I have contacted Midland Funding by letter several times to obtain debt verification. They continue to not send the information I have requested to verify & validate the debt they claim I owe. I have also contacted the company that Midland Funding states the credit card was initially from & they have no records of this information. Midland Funding continues to report information on my credit report that is false. Midland Funding also failed to follow the law by marking this account as disputed on my credit report.
This company pretended to be Chase Bank, I don't associate with the bank because I have my own bank. These people where either XXXX  or XXXX   that had sent me a text message and gave me a call on the XXXX of XXXX around XXXX in the afternoon. They asked how much I needed and ask for account information as well. Little did i know I had fell for the scam, because they always mention you need to go to local stores so that way you can purchase a XXXX XXXX card with sending photos of the code on the back as well of the receipt to collect information to keep money to themselves. I asked when will i get my loan, but they said that I had bad credit and that ill need to pay XXXX cash for a card in order to get it and then another one cause there will still errors, i didnt pay the other XXXX cash, and decided to call the actual chase bank and it turned out to be a fraud. They use the Government as their cover up with the reasons i can get loans and that I also was approved by a grant by the government. They are rude and have bad attitudes as one had called me poor cause i dont have the money to purchases for frauds like them. Overall invested XXXX dollars to them being so naive, because I was in depsreate need to provide for my fiance that is pregnant and not having a place to stay and for them to lie when I called them, i heard laughing and them getting quiet when I caught them in a lie. I want to sue them for leading me on.
This is concerning the  Chas e/   XXXX   XXXX   XXXX   XXXX  Card .  I applied for the card because they advertised a {$50.00} credit after using the card. I wanted to use it that same day to book my tickets with  XXXX . Due to the link not connecting with my new card, I was unable to use my card for that flight, and had to wait 10 days before card came in. I lost my good price on that flight and had to rearrange my entire trip so as to be able to afford to go at all due to the price continuing to rise on my original flight choice. I called Chase Customer Service, they told me that if I used my new card before    XXXX   XXXX  , 2017,  I would be able to receive my {$50.00} credit. Since the flight I booked was o n  XX/XX/XXXX , I used the Ch  ase/   XXXX    Card  to pay for my luggage. I waited for my {$50.00} credit, which never came. I called  Chase  again on    XXXX   XXXX  , 2017  @  XXXX  and spoke with  XXXX   XXXX  He assured me that by   XX/XX/XXXX , my Credit of {$50.00} would be applied to my card. Then I received a letter from Chase dated  XXXX / XXXX /17 t hat stated since I did not go through the " particular channel '' I would not be receiving the offer! I was trying to go through their " particular channel '' but it did NOT work. In addition, no where did I see on their advertisement that the credit would not be issued if certain steps were not followed. On   XX/XX/XXXX   at  XXXX   XXXX  ( after reading the letter ) I called and spoke with  XXXX  from Chase. She said nothing could be done because Marketing already denied the request. I told her that this was not acceptable. I was so upset, that I wound up cancelling the Credit Card. I filed a complaint for Chase with BBB. After filing complaint, on Friday,    XXXX   XXXX  , 2017,   XXXX   XXXX  from  Chase Executive  office got in touch with me. Chase said that their  Marketing Dept d enied my request for the {$50.00}, due to not following the " particular channel '' when I opened the Credit Card. So on Saturday   XX/XX/XXXX ,  I went to   XXXX   again to see exactly how the {$50.00} credit was worded on their website. I quote from their website : " {$50.00} statement credit Enjoy a {$50.00} statement credit after your first purchase with the  XXXX   XXXX   XXXX . If you make your first purchase today, your first purchase and statement credit will post on the same statement. '' It says nothing about having to follow a " particular channel '' in order to receive the credit, just says after your first purchase, which I made my first purchase on    XXXX   XXXX  , 2017. I was  of course very upset that they continue to deny what is rightfully mine from their own advertisement. I asked  XXXX   XXXX  for a phone number so that I could contact the  Marketing Dept my self. She told me that they do not accept phone calls from customers. This is definitely false advertisement and they should stand behind any advertisements they make.
I filed a dispute with XXXX on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, XXXX   responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
I didn't/don't have a contract with them and I want it removed from all XXXX credit bureaus.
Capital One advertised {$500.00} bonus if $ XXXX was deposited in to their account. Specific wording : $ XXXX in total deposits by XX/XX/XXXX, Deposits totaling $ XXXX were made on the following dates : XX/XX/18 - $ XXXX XX/XX/18 - $ XXXX XX/XX/2018 - $ XXXX There were some withdraws in that period. The offer never said that $ XXXX had to be in the bank account at any one time. Only $ XXXX left until the XX/XX/XXXX.
I have disputed a collection, which appears on my report with XXXX XXXX, on XX/XX/2017 and again on XX/XX/2017. The date shown on the credit report is the date XXXX acquired the account through a third party, not the original delinquency date with the creditor. The original charged off account has been removed from my credit report, confirming well over seven years since the original delinquency date. The date the collection agency acquired the account has NO AFFECT on the amount of time this should be reported and remain on my record ; '' the collection account will still be removed at the same time the original account is removed. '' XXXX Collection and Charge Off Information. BUT, XXXX XXXX continues to report on this account every month using their acquisition date, and they refuse to remove the account, although with help from CFPB, they will no longer contact me regarding this out dated collection. Unfortunately, the dispute with Trans Union has offered no adequate resolution ; they only added " consumer disputes this account '' and has not removed it from my report even though they have the original delinquency and charge off date in their records.
Waiting for each agent to respone to my complaint-Equifax, XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
I had a Prepaid American Express SERVE Card which was originally for a mobile wallet. I have n't used it in a year and in XXXX received an e-mail my balance was {$0.00}. and fee could n't be taken in full. I was unaware of any fee. I check and there was a lot of fraud transactions between my XXXX XXXX, XXXX statement and the XXXX/XXXX/XXXX statement. The balance had been around $ XXXX. I called and explained every transaction was fraud. He offered {$9.00}. back out of my {$57.00}. After many reps and their fraud dept. they started giving me credits well above my original balance. I tried to explain it was too much and just wanted my original balance back. I closed the acct and they refunded the high amount of {$85.00}. Now I get an email saying I have a negative balance, so I call and they want {$79.00} back. So now that leaves me {$5.00} credit from my original {$57.00}. 
I ca n't access online statements anymore and their customer service claims they have no access to anything before XXXX/XXXX/XXXX, so they ca n't see my XXXX/XXXX/XXXX balance and ca n't refund me any money. So basically they refuse to do anything. 
If you go read their Serve XXXX page many people have similar issues and there are many online forums with frustrated customers who ca n't get refunds. I 'm attaching my letter to them which has gone unanswered.
I was n't able to pay my balance on my American Express credit card so I called their customer service and asked what options they have available for me. I was told I could make monthly payments. I said great and told them I could pay it back in a couple of months. 

They told me I could pay it over a 12 month period. I said great, paid it off over the 12 months and found that it also hit my credit report as severely deliquent. 

The drop in my XXXX score is so severe that it is preventing me from getting reasonable rates ( i.e. Car loans, credit cards, etc ) or I will be denied from getting any type of loan. If I would have known American Express would report me as deliquent, I would have cashed in my XXXX to prevent this impact that will stay on my credit report for 7 years. It is equivalent to having a bankruptcy on your credit report.
XXXX XXXX XXXX took {$5000.00}. dollar and they said they were going to help me with bank of America due a modification. when I try to reach out to them no one has answer my calls or emails and the phone does n't work now.
I have disputed identity theft on my credit report multiple times. I have submitted police reports, fraud affidavit, FTC identity theft reports ... all to no avail. I have fraudulent inquiries from creditors which are also lowering my scores. They have told me they didn't " receive '' my documents, my documents weren't sufficient ... basically I've been getting the run around and my credit report isn't fixed. It is hurting me from getting a home and it isn't fair because it's IDENTITY THEFT