WillisBack/dataset-financial-user-claim huggingface dataset:
I have opened my XXXX XXXX credit from American Express in XX/XX/XXXX because of the following promotion. 

XXXX XXXX Honors bonus points after spending {$3000.00} or more on the Card within the first three months of Card Membership A free weekend night award after your first anniversary of Card Membership I have already spent more than {$3000.00} within first 3 months, but still I have not received the promotional points. 

On XX/XX/XXXX, I asked this issue via online chatting, then the representative told me that I will get it next day. 
On XX/XX/XXXX, I contacted again, then the representative did not explain why they failed to make it as they said on XX/XX/XXXX, and he/she said that they are going to file an investigation. Then, suddenly chat was dropped. 
On XX/XX/XXXX, I contacted them again. The representative was asking me wait " some more days '' Then, suddenly chat was dropped, again. 

But I am 1000 % sure that I gave them more than enough time to make it right. 
Stop lying to customer. 
Stop saying " wait some more days '' without giving the detail reason why it is delayed. 

As they charge the annual fee on the exact day, they should provide what you promised on the right time.
Transunion incorrect information : XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX incorrect information XXXX  XXXX - ( XX/XX/XXXX ) XXXX - (XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX )
i made a deposit yesterday and my account was in the positive. this morning they charged me {$12.00} for overdraft. i have overdraft protection on the account in the amount of {$70.00} and the amount they said the account went {$4.00} in the negative. i looked at the account this morning and it was never in the red or minus and yet they charged me {$12.00}. last month they charged another overdraft fee of {$12.00} for the {$0.00}, that 's right, XXXX XXXX cents they said they had to cover. again the account on line was never had a negative balance
Submitted modification application in XXXX to my mortgage company Ditech. I have place numerous call and sent email to obtain my status and nothing. I received constant runaround all the while the clock is ticking and I am falling further behind with my payments. It seems as though the company is trying to reach foreclosure as they are certainly not trying to help me with this process.
Security Credit Services (   XXXX   XXXX   ) is on my credit report. I have disputed this several times as I do not know what this is. I have asked them to send me proof that I was the person who created this account but nothing was sent. I have NEVER received any mail correspondence from this creditor. I am requesting that this be removed from my credit file.
I opened an IRA account in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which was located in XXXX XXXX, FL. According to my research, XXXX XXXX merged into XXXX XXXX Bank in XX/XX/XXXX, which later merged into or was acquired by PNC Bank National Association in XX/XX/XXXX. While reviewing some old tax records this weekend, I found an IRA Account Statement from XXXX XXXX dated XX/XX/XXXX. At that time the balance in the account was {$28000.00}. I have no other more recent records and never received a distribution from this account. PNC says it has no record of the subject account or my name as an account holder. I have talked to PNC, the Florida Dept of Financial Services ( escheat dept ), the FDIC and the OCC. My husband and I have lived on social security for over 20 years and are in poor health. Recovery of the lost IRA funds would be a XXXX sent blessing to us. Someone some where has to have record of what happened to this account, including while located at XXXX XXXX, as well as after it was acquired by XXXX XXXX and again when it was acquired by PNC. Where are my IRA funds now? I am praying that CFPB can help us.
Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed.

Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.
Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. 
We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. 
I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. 
This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. 
Ive filed complains with the FCC with NO RESPONSE at all. 
What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?
I had an account with XXXX XXXX XXXX which I paid off in full. All my payments were sent directly to XXXX & I have all the receipts to prove it. There is this company Security Credit Systems Inc that has placed a hold on my XXXX account so that I can not get my crown replaced which I have paid for. Not only that they have reported this to credit agencies screwing up my credit. They say I owe them money. I DO NOT! I sent them a certified letter with return receipt so I know they got it refusing to pay them. I have never spoken with anyone from them nor received any kind of bill, statement or correspondence so I will not pay them. I expect this to be corrected immediately! Also, do n't you think its funny if I owed them money why they never sent me a bill for their " services ''. If XXXX paid them to collect a debt they got ripped off because I 've never heard of this company. Something I forgot to mention is I never knew I was in collections until I tried to make an appointment with XXXX an they told me I needed to settle with this company first. I 'm XXXX retired with a limited income I can not afford to pay for a crown twice & I should n't have to.
UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
I was sent to collections for getting behind on my XXXX payments. I repeatedly have tried to contact the Debt Collecting company ( Association Collection Services LLC, XXXX WA ) by phone and e-mail to resolve the amount due. I left several voicemails and e-mails with no response back. I have been trying to resolve this for 1 month.
XXXX phone call an account was open in my name when ask for info there was a check in which was in my name XXXX sent without my request and cashed the were no info of where it was cashed was a odd amt. {$600.00} File a police report a copy was sent to equifax. I am XXXX has XXXX I am a XXXX Veteran never applied for a payday loan.I would like to block XXXX From reporting anything to my file I file a fraud report. ;
I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.
I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.
This is a fraudulent account. This needs thorough investigation and the assailants convicted. I need this inaccuracy removed immediately. Multiple 'Demand for Verification docs as well as direct Credit agencyy contact has been to no avail and the Sheriff 's Dept can not do anything about it. TransUnion is a laughing joke of white privielge that never fixes their f ups either.
My home is in the disaster area and I was affected by the recent fires in CA. As a result of the disaster and evacuations, my income was affected, which directly affected my plan to reinstate my mortgage. Today I contacted Seterus & applied for a Disaster Forbearance, as well as requested a new reinstatement amount. I accepted the Disaster Forbearance after the representative reviewed it with me. The request was approved by a supervisor. I am waiting to hear back from Seterus regarding the further details of the forbearance and reinstatement amount. Since, there was recently a sale date set within the next 10 days, I would like to be sure that Seterus and the Foreclosure attorney is aware of my Forbearance request.
I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.
I helped my mother get a reverse mortgage in XX/XX/XXXX and she died XX/XX/XXXX. They started Foreclosure procedures about 2 months after she died. I sent them letters ( before she died ) requesting to set aside the reverse mortgage because they failed to follow procedures with their paperwork as mandated by HUD. There were several forms required by HUB that she was supposed to sign that she understood this process. She never signed these forms and did not understand. It was the counseling mandated by HUD but was not followed. That company XXXX was the counseling agency authorized by HUD to do the pre loan counseling, they failed in this capacity. They tried to get me to sign some papers because I lived with her but I refused. They are scheduled to foreclose on XX/XX/XXXX. Therefore I am in immediate need of your help.
I was recently notified by XXXX XXXX that there were four delinquent accounts that were placed on my credit report by " MIDWEST RECOVERY SYSTEMS ''. This account balance that they are reporting delinquent was " Paid in Full '' in XX/XX/2016 over 2 years ago. 

As a result, my good credit score between 730-740 was dropped to 680-690. Additionally I have a XXXX XXXX Clearance and am currently going through an investigation that will check my credit report and could effect my clearance since my investigation asked me about my financial credibility and is part of my investigation. I also am applying for a home loan and this couldn't come at a worst time. 

The problem that I have with this is that MIDWEST RECOVERY SYSTEMS never sent me a letter of notification giving me the opportunity to dispute these accounts and show proof. They just immediately put this on my credit report. It is my belief this is an attempt to force me to pay an invalid account to clear my credit report. A scam basically. Normally credit collection agencies send out a letter to validate a reported debt. 

I find this to be a violation of my rights to dispute and defend myself. Trying to destroy someones credit report appears to very illegal. MIDWEST RECOVER SYSTEMS did not take the proper and normal steps to validate the debt most likely because they know that there is no debt and just putting it on my credit report would be threatening and force me to give them money. I want them to be investigated as I see there process of non-notification as very illegal.
My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home.
Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. 
A XXXX search on this company seems to indicate that they are a scam company. 
XXXX said that they never heard if them and do not use them or their service. 
XXXX XXXX Said my account # is XXXX
Suntrust has unreasonably frozen both my business checking account and my personal checking account. I opened my personal checking account a couple of months ago and have maintained a {$500.00} balance for the past month. The account still holds a {$500.00} balance that is unreasonably frozen. My business checking account was opened on XX/XX/XXXX and received a {$300.00} credit on XX/XX/XXXX. The account was inexplicably frozen last week and I'm not given any information as to why. 

I called Suntrust twice on Friday, XX/XX/XXXX. The first time, I was told that my accounts had been frozen and that I'd need to go into a branch and that was all the info they could provide me. The second time, I was told a similar thing but that the office that handles the issues was closed for the afternoon and so I should call back on Monday. I called back on Monday, XX/XX/XXXX and, again, I was told that I'd need to go in a branch and no information could be provided to me over the phone. 

I am currently in Texas and do not have the opportunity to go into a branch. The nearest branch is an 8 hour drive away. I need both accounts to be unfrozen so that I can access these funds.
CoreLogic XXXX XXXX XXXX is reporting invalid, and therefore unverifiable information about me to apartment communities and it is impacting my ability to obtain housing. 

I have contacted the two companies they are reporting and each does not have a record of a debt owed to them by me. Furthermore, I have not been evicted from any of the properties on the CoreLogic Report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), I sent via USPS Certified Mail, two dispute letters demanding to see proof of these debts as required under the FCRA. I also initiated a dispute via phone. CoreLogic has claimed three times that they have verified the debts and they have not removed them from my consumer credit report. CoreLogic has NOT provided me a copy of ANY original documentation required in the FCRA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA which states you are required to promptly DELETE all information which can not be verified. 

Please assist me is getting CoreLogic to furnish to me the evidence required under the FCRA. I suspect they have no evidence because both companies do not have a debt on record for me. 

The following Public Record items are in question from the consumer credit report CoreLogic has furnished to apartment communities to which I have applied for an apartment : 1. Plaintiff XXXX XXXX Case # XXXX Case # XXXX Case # XXXX XXXX. Plaintiff Original XXXX Case # XXXX CoreLogic Internal Dispute Info : Dispute Type : Phone Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Thank you, XXXX XXXX
This is regarding a dispute on my Capital One card for {$250.00} on XX/XX/XXXX with merchant " XXXX ''. For this transaction, a washing machine was bought online from XXXX. After purchasing the item, a delivery date was scheduled. During the delivery, the item was no longer wanted. The reason was because the washing machine was found to be defective and did not turn on. The delivery company agreed to take the item back to the original location and issue a full refund for this defective/no longer wanted item. No refund was received from merchant so a dispute was filed with Capital One. On XX/XX/XXXX, the full amount {$250.00} was re-billed to my credit card. I do not understand why seeing as how I do NOT have the item. Furthermore, the item was defective upon receipt. Those factors combined, I expect a full refund for my {$250.00}, no more no less.
The recent response to complaint # XXXX stated in the letter that a copy of note and payment history was attached. We were provided only a letter no other attachments.
as I disputed this account with Equifax 2 previse times and again in XX/XX/2018, I aslo disputed it with XXXX XXXX XXXX, in which they sent me a letter on XX/XX/2018 stating that there client has not validate debt with them and will discontinue all collection efforts, yet Equifax still showing its under investigation, please find letter attached. and that Equifax has token more then the 30 days allowed,
I submitted a complaint to this agency thinking that my problem would eventually be resolved, on XXXX. The case number is XXXX. The results are pathetic. The defendant is emboldened, still has NEVER responded to my original certified letter, when the interest charges were {$18.00} approx ... Now they are adding approx {$43.00} a month to this 0 % paid in full account, to a grand total of {$510.00}!!!! How is this criminal behaviour allowed to go on? You are supposed to be " protecting " the consumer from these criminal banking thieves, aka, CHASE .... Please do your job and rectify this travesty of justice ... .. they keep on laughing and laughing while the govt pretends to be helpful! I would be shocked if someone actually called me and told me that Chase has been found GUILTY of misleading, bait and switch, deception, and down right lies, and last but not least CLEAR VIOLATION OF TRUTH AND LENDING LAWS!
I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER XXXX XXXX is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by Midland Credit Management a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX XXXX not hold me responsible for a debt I did not incur. Thank You.
TCF BANK LOAN NO. XXXX CALLED MY WORK, HOME, CELL PHONE XXXX TIMES AFTER CEASE COMMUNICATION ORDER DATED XXXX/XXXX/2009 WRITTEN BY XXXX XXXX AND SIGNED BY XXXX XXXX. THEY HAVE VIOLATED THE T.C.P.A. XXXX INFRACTIONS AT {$1500.00} PER CALL OR {$400000.00} IN DAMAGES FINES ETC..THESE PERSISTED FROM XXXX. ALSO, VIOLATED THE F.C.R.A. TOTAL OF XXXX TIMES OVER 7 YEARS, XXXX RE-INSERTING LOAN XXXX 5 TIMES VIA CHANGING ACCOUNT TYPE, DATA, BANK HEADERS ETC.. ( SEE ATTACHED FROM XXXX ), XXXX XXXX TIMES OVER 7 YEARS BY CHANGING EVERYTHING NECCESSARY TO RE-INSERT ITEM BACK ONTO XXXX WITHOUT 5 DAY WRITTEN NOTICE TO CONSUMER. REPORT TO ALL CREDIT BUREAUS THAT THIER MORTGAGE LOAN IS IN FORECLOSURE XXXX TIMES IN 7 YEARS, WHERE THIS LOAN HAD NO LIEN RIGHTS ( SUBORDINATE LIEN ) SEE ATTACHED. 
FINALLY, TCF BANK IS VIOLATION OF THE DOOD-FRANK ACT WALLSTREET REFORM AND CONSUMER PROTECTION ACT.VIOLATED S.O.L. 8 TIMES.
I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX  dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.
my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.
Bank of America requires in order to get a mortgage through them that you must open a checking account through them as well. In their online mortgage payment portal, two times now I have selected to pay my mortgage payment through my usual ( non Bank of America ) checking account and the website is defaulted to attempting to pay through my Bank of America checking account which has only a nominal amount of money. This results in an overdraft fee and the need to call them to reverse the payment. The technical support for the mortgage payment site ( B of A technical support ) told me they have encountered this problem from other callers as well. I am concerned that they are not fixing this bug in the website because it generates money from the overdraft associated with the mistake.
I filed An ID theft report with Equifax well over six months ago and equifax cleared up issues regarding two accounts that were showing up on my credit file that were not mine. Unfortunately, today, I discovered that those account have reappeared on my report after over six months of disappearance. Not only has this negatively impacted my credit report, but it has also pointed to a greater problem with equifax data systems. 

These two credit card accounts listed from XXXX are not mine and are the result of fraud. XXXX has confirmed receipt of my ID theft report before and they took measures to remove them from my report. These accounts need to be deleted permanently and immediately under my rights according to the FCRA. 

Also, there is an inquiry on my equifax report that is the result of fraud and I did not initiate this at all. XXXX says that i need To have equifax to delete this inaccuracy
THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX.