WillisBack/dataset-financial-user-claim huggingface dataset:
We have been a member of Citi diamond preferred card for 11 years. We have over XXXX points on their reward system. We cashed in our rewards on another card today with similar points and it go applied to straight gift cards. Their system ONLY allows on ALL gifts to get a discount of XXXX % or XXXX % and you have to pay the difference for that gift card. So if it is a {$100.00} gift card it will cost me $ XXXX-XXXX out of my pocket and will only get the use XXXX or XXXX of my points. That is a scam! Statistically I dont have enough money to ever get these points back that is a total scam and I want to have just a couple normal gift cards or money tom reduce my bill. No other credit card is doing this and again there is no way to get back what I am owed. Please help
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Experian credit report investigation is being requested at this time. 

Thank you, XXXX
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .Equifax and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to  XXXX  and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report.   She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with  XXXX  balance.     She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted.     I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.
Student loans are in deferral. Transunion is still reporting incorrect monthly payment amounts, monthly payment for all 4 loans is supposed to be {$0.00}. I have disputed this with their office at least 3x now and provided documentation as well to get this cleared up. They have n't corrected it after disputes and documentation proving what i was saying.
My wife is a XXXX immigrant with permanent legal status, but limited XXXX language skills. Upon moving her small business in XXXX of XXXX she contacted XXXX XXXX for phone and internet services. For sometime she received reasonable bills in the amount of {$50.00} or so per month. Then suddenly, the amount of the bills more than doubled. By that time we had met and married and, as her husband, I made contact with XXXX to inquire. 

I was told that she had contracted for an offer which included discounts which had run out. I found that she supposedly agreed to a business plan with high speed enhanced internet service. Much more than a XXXX person sewing and alteration shop would ever need. I requested that the agreement be cancelled and was told that she would be billed for the discounts and she began to be dunned for amounts over {$1000.00} and up to nearly {$1700.00}. 

When she moved the business again and sought phone and internet service from another provider, XXXX XXXX blocked the transfer of her business phone number. Working with the Illinois XXXX XXXX and the Illinois Attorney General 's office we finally got the number transferred. 

In XXXX of XXXX ( the notice does not have a date of mailing ) we received a notice that the debt had been referred to EOS CCA of XXXX, New York, XXXX. I sent a letter of dispute on XX/XX/XXXX.In the letter I requested a copy of the agreement my wife had signed. XXXX XXXX had at XXXX point told me the contract may have been done over the phone, but they have not produced a tape of the verbal contract either. I was told by a representative of the XXXX that they often heard of complaints with XXXX in which the recorded agreement could not be produced. 

The collection agency nka EOS XXXX, sent a letter dated XXXX XXXX, XXXX in an envelope with a postmark of XXXX XXXX. I received the letter in the mail on XXXX XXXX. 

The letter says " EOS CCA has received your dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill ... '' It makes no mention of our request for a signed contract. 

I have spent hours on the phone and writing letters in the attempt to bring this matter to a conclusion. I am nearing the point of seeking compensation for my time and the damage done to my wife 's credit and reputation. 

We have copies of correspondence with XXXX XXXX, the XXXX and EOS CCA ( and EOS XXXX ). 

Thank you.
This XXXX calls my work and cell leaving me message and telling me that there is a case filed against and they need my HR department for garnishment of my paychecks she would not tell from who and when asked to send me the info through mail she got upset. I also told she is harassing me at work
The problem is n't really listed. I attended the aforementioned school which made many promise to those who attended during enrollment. This lead to a class action lawsuit filed against the school representing thousands of students spanning 14 states in which the verdict came down against the school. I continued to make student loan payment for a while of over {$350.00} a month even though I didnt receive any of the things that XXXX had promised. I became ever more frustrated as the company know as XXXX XXXX back then ignored my plea to fulfill what the school had promised themselves or find someone else to do so, especially since they still planned to charge me almost triple the price through the terms of repayment for services that I did not receive from the school itself. So I look for help and was contacted by a company called Consumer Protection Council, who present me with their program that was supposed to deal with this issue but also provide legal defense ... which as of earlier this year stopped because of some legal issue against the owner of that company. So that is where it stands right now. The school mislead me and those who attended it which has been established by the class action suit, but am unwilling to fulfill what was agreed upon between the school and I ... but charge a highly inflated price for services that I had not received. So I will virtually be paying for nothing.
XX/XX/2106, I was notified by Early Warning Services that information resulting from Identity Theft was being reported by XXXX and XXXX XXXX XXXX XXXX regarding charged off accounts that were abused and subsequently closed. I disputed the information with them several times, but the banks continue to " verify '' the information as " accurate '' even though multiple records are being reported with social security numbers that are not mine. On XXXX XXXX, after attempting to resolve this situation with them to no avail, I sent to Early Warning Services a letter requesting the information be blocked in accordance with FCRA 605b which included a copy of the police report stating the identity theft and institutions which were involved per policy. Since then they are still refusing to block the information from being reported claiming that it is up to the banks to delete the record and they have no responsibility to block the information. I attempted to contact them multiple times on XX/XX/XXXX and XX/XX/XXXX requesting a supervisor in attempt to resolve this situation or receive clarification and they are refusing to speak with me further. I am extremely frustrated as I have done everything required and am still not receiving any resolution.
Back in XX/XX/XXXX, I was wrongfully terminated as stated in my first complaint with the bureau. I contacted XXXX XXXX ( XXXX ) credit card customer service around XXXX to inform them of the situation. They offered a hardship program and I accepted. Months went by as I continued to make the payments. I signed into my online account to check and see the progress I made, then discovered XXXX XXXX, the insurance program I signed up for was charging my card as usual. I realized it slipped my mind that I had been paying for insurance, however, no one reminded or offered this benefit at the time. On XX/XX/XXXX, I contacted XXXX about this, they said I would have to contact XXXX XXXX, I did. I was told theyll take care of my payment due that month, in the meantime, I needed to provide documentation of unemployment. I was sent an email the same day from, XXXX Not sure why the form is dated XX/XX/XXXX now ... but I received it XX/XX/XXXX. On XX/XX/XXXX, I completed and emailed the paperwork as instructed. I cant find the first follow up letter I received in the mail but last month I got a letter stating I needed to verify I was unemployed. I called XXXX XXXX   and told them that I did send the info, the rep said I will be receiving another form with more detailed instructions. As you can see where it says, Second Request I got the exact same notification. Im still responsible for my payments to XXXX  and still being charged for insurance so Im not making any progress. XXXX  XXXX is taking between $ XXXX {$13.00} a month and my monthly payment is {$13.00}, I owe {$650.00}. This shouldn't be if I have insurance.
This is with Paypal. We have an account with Paypal. We submitted to make a transfer from our account to a friend 's account for {$600.00} on XXXX XXXX 2017. <P/>When our friend tried to accept the payment, the transaction was unavailable. The message stated to contact us. We canceled the payment on XX/XX/XXXX and tried to resubmit. We were not able to. <P/>After several rounds of security verification, we spoke to three different representatives on the phone. For 1 and half hours, we tried to resolve the issue. At the end, Paypal had no good reason for why all of this happened, and there was no recourse for me, the consumer. <P/>Paypal withdrew the {$600.00} from my bank at XXXX. However, I do not have access to that at Paypal. They were able to immediately withdraw it, but they can not refund it for 3 to 5 business days. In the meantime, my money is in limbo. <P/>I was told that I should not have been able to submit a request for {$600.00}, but " got lucky '' according to the representative. I was told my limit was {$290.00}. I tried to do a transaction for {$290.00}, but was unable. I was unable for {$200.00} as well. I was able to transfer {$1.00}. <P/>At the end, I 'm left with a missing {$600.00}, an inability to use my account effectively at Paypal, and no recourse to any of the events that occurred.
BBVA Compass Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XX/XX/XXXX I got my loan statement from Wells Fargo. There were charges added to my balance. two amounts one for XXXX and another for XXXX. I have no idea what these charges to my line of credit are for. 

I called Wells Fargo. The first guy I talked to said they show the earliest date is XX/XX/XXXX. He would not tell me what the charges are for. He forwarded me to someone else. I requested a copy of the charges itemized sent to me via email. He refused. He told me he could send it to a fax number that is no secure but could not send it to me at my home email address. I told him to remove the changes until they could tell me what they are for. I spoke to a third person. They also refused to tell me what the charges are for except that they are for XXXX taxes. My house is not worth that in taxes. I told them that I am working with the county on disputed taxes. But that my taxes are paid and I wanted to know what they charged my line of credit for. Again they refused the information. The first I have seen these charges or notified of these charges was when I saw them on my statement added into my mortgage. I have no idea what they are for. I told them that if my taxes are disputed surely they would contact me. The second guy told me that they have notified me multiple times ( which they have not done ) I said when they email me what the XXXX the charges are for to include copies of the notifications. Again they have refused.I was delayed in sending this to you because I had to get an electronic copy of my statement to include with this complaint. I still have heard nothing from Wells Fargo.
In XX/XX/XXXX, Nissan Motor sent me my account to a collection agency and listed it as a charge off, without notifying me. Upon contacting them as to find out why my credit report was listing a charge off with them, they told me XXXX had finally submitted payment in full to them for my XXXX XXXX ( which had been totaled in an accident ) and the remaining balance was sent as a charge off. I asked why I had not been notified in order to pay the balance in full or make arrangements. I have never been late on any payment with any company. I continued sending payments to Nissan to pay for my XXXX even when it was totaled and I was the one staying in constant contact with them. For Nissan to think it is okay to list customer accounts as a charge off is no way, shape or form ethical. I have tried settling this disagreement with both Nissan and the major credit reporting agency ( XXXX ) to no avail. XXXX has said it must be Nissan who requests the removal that is affecting my credit. I have attached proof of making payments to Nissan even when I no longer had my car, I continued paying in order for a situation such as this not to occur. The statements you will see note the electronic payments of {$400.00} deducted by Nissan from my account every month. This year ( XX/XX/XXXX ), I even spoke to a supervisor at Nissan in the credit collections department asking what could be done to remove the negative charge-off affecting my credit. I was told to pay the balance in full and the charge off would be removed. I even received a written letter from Nissan stating this would happen. I paid the balance in full and still Nissan has refused to remove the negative charge-off from my credit report. You will see my past credit history reports excellent credit up until the events leading to this situation. You may contact me if you have any questions at XXXX.
PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications!
This company has repeatedly called 2xs a day and leave messages on a work phone after being told the number is a work phone and to not call or leave Messages previously. Messages were left on the work phone on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Midland Funding has been on my credit report for over 3 years. I have asked repeatedly for validation of this debt to no avail. They were reporting multiple times on other accounts that they have deleted, but seem to want to linger on this one. This debt account # XXXX has been reporting monthly as if I have an contractual agreement with them on 1 month terms. I have never made or had an agreement with them. They have also reported this same account multiple times as Midland Credit Management. I sent them  a letter on that, and they removed the multiple reporting 's of the same account. They advertise on their website of removing and deleting accounts older than 2 years, but yet have removed this one. I am asking CFPB to help me put this to rest as Midland does not seem to want to resolve this issue.
I have mailed notarized FTC affidavit and a notarized FTC report to Portfolio Recovery Associates!! they keep reporting this fraudulent account to XXXX but have removed from XXXX   and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!
Midland Funding LLC is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with Encore XXXX XXXX  XXXX XXXX who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
I purchased a vehicle on XXXX XXXX 2015. The car was financed through Wells Fargo dealer services. At the time of purchase my credit score was in the low XXXX. I spoke with wellsfargo and was told in 6 mos they would check for score improvement to give lower rate than 16 %. Fast forward to now, my credit score has improved a great deal yet my rate percentage stays the same. I called to refinance the vehicle and Wells Fargo denied me. My score has increased almost XXXX points and that rate of 16 percent is too high for a person that has my income and new credit profile. I want them to honor what they promised me
In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.
Visa ( and probably XXXX ) process charges in XXXX day but do n't process credits for XXXX to XXXX days.This unnecessary and unfair.