WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an American Express Platinum Business card last XX/XX/XXXX. The signon bonus is XXXX membership points after spending {$15000.00}. Soon after I got the card, I also got a targeted offer letter with the signon bonus of XXXX after speding {$10000.00}. So I called American Express to ask what offer my card had. They told me it 's the same as the targeted offer letter. So I spent a little more than {$10000.00} by XX/XX/XXXX. Then I found I only got XXXX points. I started to call AMEX and told them the story and they promised to open an investigation. I did n't hear anything back from them so I called AMEX again today. To my surprise, I was told even they gave me the wrong information, they ca n't change the original offer, nor offer me other options ( such as I spend the required {$5000.00} in the next week or so ) so that I could get the missed XXXX points. I think it 's really unfair given the fact that I was given the wrong information so the spending requirement was not met.
In 2005 I wanted to attend a XXXX in XXXX, IL. The only way to do so was to take out student loans with XXXX XXXX. I know I was not educated about student loans at the time, but Financial Aid failed me, my parents could n't afford to send me to college, student loans were my only option. I want to say XXXX XXXX was the only company that would give me a loan. 

For two years of college and a XXXX semester my loan total w/accrued interest was roughly a little over {$63000.00}. XXXX XXXX would pay whatever it cost the semester then would mail me a check for the remainder of the amount. I took out XXXX {$20000.00} loans and XXXX {$10000.00} loan, and each time I got money back. I think student loan carriers should n't be able to do that. I received close to {$7000.00} at XXXX time back for a semester. I used that money to live off of because I was a student and needed the money. Looking back, the money that 's only needed for college should be directed to that and whatever money is left over goes back to the loan. Students should not be seeing that money. I wish I had done things differently, but to be honest no one prepares you for the cost of college and how to deal with it once you graduate. High school and college do not prepare you for life. You 'd think with guidance counselors and advisors they 'd help you, but they do n't go in detail about these decisions except " go to college and get an internship or a job. '' All our lives we hear it 's the American Dream to go to college. I do n't regret my decision, I do n't work in the field I received my degree. I pay on my student loan each month. This experience makes me weary of loans. I do n't believe we have to go into debt for these things. I ca n't blame anyone but myself. But going forward if there 's any money left over from a student loan you take out, it needs to be credited back to the loan company. America would n't have a student loan crisis if this was done correctly.
TD Bank Charged me the payments three times in XXXX, 2016. I had called them several times to let them know their mistake and the consumer service of TD bank told me they would send me a check with the refund. So far, after 4 month I have not received any available check from them. I believe TD Bank never send out the check. They are liar.
I received a credit change alert on my credit file. I called Transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX. I never did business with this company nor have they contacted me nor sent any correspondence indicating that I owe any balances. This is FRAUD and XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.
Midland Financial ( Case number : XXXX ) stated they were closing the account on XX/XX/2016 and as of today they have not closed or advised credit bureaus. This still shows on all three credit bureaus. They need to follow through and close it as they stated they would.
I checked my credit report with Experian website. I found on my report a tax lien with state of Georgia with ref # XXXX ... dated XX/XX/XXXX an amount of {$930.00}. likewise XXXX and XXXX  who finally removed them from my record after recognizing their error, and I also found this one as well to be an error on my credit report and attached screenshot of state of Georgia tax lien list and after getting in touch with them they clearly indicated that am not on the list and an attachment proved that.
I also found 3 an unauthorized hard inquiries which I never inquired or applied anything from them. They are as follows : 1. XXXX XXXX XXXX dated XX/XX/XXXX. 2.XXXX XXXX  dated XX/XX/XXXX. 3. XXXXXXXX XXXX dated XX/XX/XXXX. Again this is an error on my report and they needed to come out as soon as possible.
Experian is continuing to report negative information that is not mine on my report that have already been removed. For example they have removed the inquiries for XXXX XXXX XXXX but refuse to remove the actual account as it is fraudulent. The negative accounts that are fraudulent need to be removed : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX # XXXX -- -Not my account.

2. XXXX XXXX XXXX/XXXX XXXX # XXXX -- -Not my account.

3. XXXX XXXX XXXX # XXXX  -- Not my account.

4. XXXX XXXX XXXX   # XXXX -- -- This account has never been paid late.
This is a follow up to case number XXXX. The company responded with a request for more time to investigate the issue due to the complexity of the nature. My complaint was submitted over six months ago, and I have not yet received any response. The company claimed I had no credit history, though I had a revolving account in good standing established with the company.
This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.
I have been trying to get a mortgage modification through Bank of America making homes affordable program loan # XXXX XXXX XXXX XXXX XXXX, MA XXXX This request has been going on for over 2 years. They have lost documentation, changed associates, change people handling my case several times. There is no clear cut solution at this or any point. Please look at the history of my case and the length of time. I will try this proses one more time.
I have listed all the problems on the attached documents. It includes wrong interests and fees, discriminations with APR changes, no notices of change when appropriate, breach of contract due to privacy, and credit reporting. The company has accepted responsibility for the errors, but they are not ready to take responsible for my recovery from the damages I have suffered as a result. I feel very discriminated against and harassed.
I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.
After several phone calls and emails, I found that I was lied to by a staff member that told me to make a higher offer to settle my account. When I spoke with the manager, I was told that they do not accept pay offs and the only reduction I would see would be a couple hundred of dollars off the interest. I was told I needed to make a {$1000.00} deposit and then have payments of over $ 350/mo to pay off the balance. I am ( like most of their clients ) not able to pay {$350.00} a month after putting down such a huge deposit. I want to reasonable payments of $ 100-150/mo. This company does not respond to any emails, though they direct you to send emails to make offers and this company does not even accept offers for pay off, in other words, they run you around wasting your time whilst adding more interest every day. 

I sent this letter to XXXX : I am enclosing a payment of {$200.00} toward the balance on my account. I was informed ( incorrectly ) that you accept payoff offers, and made and offer of {$1800.00} ( the highest I can go is {$2200.00} as this balance will be moved to a credit card ) and that offer was declined XX/XX/2018. 

I will sending a copy of this letter to XXXX to let them know that I am attempting to resolve this issue by either making a payoff or setting up reasonable payments ( $ 100-150/mo ) in the attempts to settle this issue. I have also opened a case with XXXX since I believe that I was seriously mislead by one of the employees, and this can be confirmed by listening to the recording of the conversation. 
My intent is to settle this account, as my debt counselor advised me that having this account in collections is negatively effecting my credit score.
I am filing a disputed account with Equifax through the CFPB, because I am currently XXXX in XXXX and my disputes have always been returned as verified by the Creditors, no matter how much documentation I provide. I filed a lawsuit against several of my Creditors for the disputed adverse information reported to the Credit Reporting Agencies and all of them denied that they had been contacted by Equifax in Court documents. I dispute that my payments were delinquent in XXXX on the XXXX XXXX account ending in XXXX and that the account was wrongfully charged off. I was a XXXX XXXX serving on XXXX XXXX from XXXX XXXX until XXXX XXXX. The XXXX account was in XXXX XXXX, and I had 21 % APR on my {$490.00} pre-service obligation, I requested the SCRA XXXX XXXX in XXXX XXXX. XXXX ( a ) to limit the interest charged to a maximum 6 % APR during the period of my XXXX XXXX military service by mail and by Faxes with copies of my orders several times. 
XXXX claimed that they had n't received copy of my orders and had increased the interest charged to a 26.99 % APR, then a 29.99 % APR, they did n't grant my SCRA request until XXXX XXXX, and removed all of the adverse information filed with all three Credit Reporting Agencies throughout the whole period of my military service. XXXX adjusted the {$780.00} balance for XXXX account in XXXX XXXX, but only for the {$110.00} interest charged in XXXX and XXXX of XXXX. XXXX sent a letter dated XXXX XXXX, XXXX, stating no payments were required on the XXXX account until XXXX XXXX, XXXX or until I was released from XXXX XXXX. 
I had asked that XXXX adjust the remaining {$670.00} balance on the XXXX account several times for all of the interest charged at the 21.00 , %, 26.99 %, and 29.99 % APR, and interest charged, as interest is defined in App. XXXX ( d ) for the purpose of the XXXX, to include any late fees, return check fees, and service fees, because I was charged several of these fees during the period of my military service between XXXX XXXX and XXXX XXXX, which rapidly increase the {$490.00} pre-service obligation, despite all of the payment I was making. If XXXX had properly adjusted the XXXX XXXX account ending in XXXX for the interest and fees charged back to XXXX XXXX, as the XXXX provision of App. XXXX ( a ) requires, the remaining {$670.00} balance would have been a negative {$12.00}. I provided XXXX copies of all of my orders during my period of military service on their SCRA website. XXXX knew that I was XXXX to XXXX on XXXX XXXX in XXXX and that in XXXX XXXX my XXXX was extended until XXXX XXXX. I did n't know that the XXXX account was reported delinquent and charged off before the payment was even due on XXXX XXXX, XXXX, but the {$670.00} balance that was reported owed for the XXXX XXXX account ending in XXXX since XXXX XXXX, was never properly adjusted for the interest charged as required and without my knowledge was charged off in violation the SCRA provisions of App. XXXX XXXX a ) while I was XXXX to XXXX on XXXX XXXX orders until XXXX XXXX.
I was charged interest by AmEx on my purchases even though my balance was paid in full. They claim it was a technical error and happened to other customers as well. They say the charges will be reversed, however I have an automatic withdrawal from another account to pay this bill, which means they received payment for the bogus charge. How many other customers did they do that to? How much money do they make by keeping this money for a month before returning it? It was only  XXXX  cents for me, but if they do that to a million customers, that 's a nice monthly profit of {$30000.00}.   The charge was on  XXXX   XXXX ,   XXXX  , and I will apparently receive a reversal on  XXXX   XXXX ,   XXXX  .
I have been attempting to get a modification on my home loan since XX/XX/XXXX. I have been given the run around by Chase for the entirety of this process. I have been asked to send entire application packets no less than XXXX times in the process of this modification. I have had several different representatives when in the application process. Now that we are to the final modification documentation, Chase is attempting to collect additional funds that would not have been incurred had they completed their part of the modification process in a timely matter. In addition to the balance of the home, Chase is asking for {$14000.00} in interest, along with other fees, and resetting my loan for a total of {$97000.00}. In addition to the {$14000.00} in interest they are asking for, the funds from my trial modification, {$2100.00}, have not been calculated into the final modification documents. I am also being asked to pay an additional {$330.00} in closing fees for a modification. During this process, Chase has also failed to take the true value of my home into consideration. According to XXXX XXXX, MO tax records, my home is valued at {$85000.00} as of XX/XX/XXXX. I have made many attempts in contacting Chase in regards to these issues, but have only been responded to with " YOUR ESCALATION REQUEST HAS BEEN ANSWERED AND IT HAS BEEN CONFIRMED THAT ALL INFORMATION WAS TRUE AND CORRECT THAT WAS CONTAINED IN THE FINAL MODIFICATION DOCUMENTS. '' I do not feel that they are willing to make a modification that benefits the customer, rather a modification that benefits Chase. 


I do not feel that I should have to pay {$14000.00} in interest, since it is Chase that has dragged their feet in this process. No interest should be charged on top of an interest-bearing loan. 

I should not have to pay closing fees ( {$330.00} ) on a modification of an existing loan. 

The funds that I paid during the trial modification, {$2100.00}. should be applied to the final modification documentation. 

I also feel like Chase needs to include a 3 year home warranty ( the length of time it took for Chase to modify this loan ) if they are choosing to create a new loan instead of modifying an existing loan.
I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
I have a Bank of America checking account. My available balance was {$2300.00} and my card was lost. Upon checking my Account online, I noticed some transactions I never made and immediately transferred my remaining balance of {$200.00} into my other account, so as to block cash access to whoever is fraudulently using my card ; and immediately called Bank of America customer service. 
A claim was filled for XXXX unauthorized transactions on XXXX XXXX 2016, totaling {$2000.00} and my card was replaced. The representative then said i 'would ' be receiving a provisional credit for my claims in 48-72 hours. 
After 72 hours of the transactions posting, I did n't receive any credit. I called customer service and was told it was XXXX more pending transaction, and that all disputed transactions must post before credits apply. 
All the transactions have posted, and yet, nothing. I called again, and was told it a new account. I 've had my account for 2 months. That to me, is n't new anymore. 
All BofA did was charge me {$5.00} for card replacement, which made my account negative balance. 
Every time I call customer service or claims department, they all say different things at different times. It makes me wonder if there 's a play book for this or these bank 's reps are just allowed to say anything to customers, even with the fact that the calls are recorded!
I received a letter from Portfolio Recovery XXXX XXXX ( XXXX XXXX around the 1st week in XXXX about an debt I allegedly owed from XXXX Bank. I filled Bankruptcy in XXXX of XXXX and I am unaware if the trustee made any payments on this account so I sent XXXX a letter dated XXXX XXXX XXXX asking them to validate that they owned the debt and any documentation that would support their claim. They sent me statements from XXXX bank showing that it was my account but the final statement in XXXX of XXXX was not the amount they were trying to collect. In XXXX XXXX bank shows they credited my account {$580.00} so the amount owed should of been after credits is {$2100.00} XXXX is trying to collect the XXXX balance from XXXX of {$2700.00}. The account was charged off in XXXX of XXXX not XXXX. And this was the paperwork XXXX sent me. They have been incorrectly reporting this account for the past year. I live in XXXX and the states usury laws caps at 9 % for XXXX off Credit Card debt even at 9 % the amount owed is not {$2700.00}. 
XXXX has been reporting this amount to all 3 credit bureaus. I have disputed this account to all 3 credit bureaus and contacted my state Attorney General XXXX XXXX complaint number XXXX dated XXXX XXXX XXXX. I am asking that XXXX suspend all collection activity and delete this file from all 3 credit bureaus and we resolve this issue. I am willing to pay XXXX 9 % over the cost of the debt from the date they acquired the debt. Since they are continuing reporting the wrong amount owed on the debt. I have no other option to but to seek legal action action after this compliant if this can not be resolved. XXXX never sent me documentation that they even know the own the debt and how much they paid for the debt. I need this information as well.
I obtained a copy of my credit report and when I attempted to dispute information in the file by way of their website, it was not able to be done. The site required me to mail in my dispute with a fee.
There are three collections reporting on XXXX all with amount of {$730.00} from XXXX XXXX XXXX but held with United Revenue Corp. I have filed disputes to XXXX regarding the three accounts - numbers : XXXX ; XXXX and XXXX. I have also asked for an itemized statement because I do not recognize these amounts because my Explanation of Benefits have not shown that I owe {$730.00}. So I have two concerns, the first being triplicate entries on my credit report which is harming my credit score and the second, I'm not even positive I owe this debt in the first place! According to the FCRA I should be provided with an itemized statement showing that they filed my health insurance claims that they are obligated to file.
On XXXX/XXXX/16 XXXX reported XXXX accounts from XXXX XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so XXXX DELETED the accounts On XXXX/XXXX/2016 XXXX repoted the same accounts under a different debt buyer. Progressive financial services. I was not notified of the accounts. This is re-aging an account. XXXX an Progressive have not validated the account according to the FCRA
My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.
We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX, after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}, but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how, after making payments to fix the negative escrow balance, that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed, to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted, but the number the research department came back with was still way to high???
I took a credit card for furniture ( in store card ) in XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The Bureaus Investment Group. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!