WillisBack/dataset-financial-user-claim huggingface dataset:
Wellsfargo is charging me a overdraft fee which I had money already in my account to cover my transaction. If I over drawn then is my account statement showing that it 's - {$31.00} Rather than the charge purchase and overdraft fee. I also had a direct depost of {$49.00} and XXXX in my checking account. And I also had couple dollars in my savings account before I transferred {$25.00} in it.
On XXXX/XXXX/XXXX while traveling to work in the town of XXXX, CT XXXX i lost American Express travelers cheques.The following day when i contacted the claims review dept and as instructed by them i filled a claim for a refund with the supporting documents needed, which included copies of identification and purchase receipts. Since i had not heard from them in a while, I followed up with them to know the status of my claim on XXXX/XXXX/XXXX. I got a response from them denying my claim saying that " Based upon our investigation of the information furnished by you, there is insufficient substantiation that your Cheques were lost/stolen from you.Under these circumstances, we regret that we must deny your claim. '' Since then i have followed up in writing with then on multiple occasions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but to no avail. I tried to tell them that their conclusion is incorrect and that they are mistaken. Also i have been repeatedly requesting them on the phone as to what other information would they like from me that will help clarify their doubts. I have asked them as to why they feel that my claim is a false XXXX, but they do not answer or provide any explanation for denying my claim. By writing to me that they are not convinced about the loss, they indicate that i am lying. A sad situation indeed and i seek your help to settle the matter. I do not need anything else but the money that i lost so that i can bring a closure to this long running dispute please. 
thank you.
There are multiple inquiries that I did not approve of. The ones I authorized were : XXXX, XXXX, The XXXX XXXX XXXX dated XX/XX/2015.
I am XXXX, I request reasonable accommodation to submit past medical bills to my insurer ( medicaid medicare ) for full payment, I can not understand the process, thankyou
1.Please see pay off amount attach to Harris bank XXXX as per bank letter payoff amount {$41000.00} 2. See attach XXXX XXXX XXXX 3. Harris Bank letter to XXXX no delinquent payments what about other XXXX credit reporting agency XXXX admitted to me some one keep changing auto loan information and she also told me car in XXXX I did not work with her my wife did.
There was a special at XXXX indicating free transfer of old phone service to XXXX. My husband returned the XXXX XXXX phones the next day due to being mislead of paying off my old account ( different vendor ) upfront. We had no service and XXXX would not change our plan to theirs until we paid XXXX.
Regarding XXXX XXXX XXXX Credit Card : I have been trying to receive information regarding this negative information on all XXXX credit reports for 6 months. I have filed disputes and the agencies respond as the information is correct. XXXX XXXX has been reporting sporadically over the past 18 months.It has been either an " OK '', no reporting at all or " PD ''. I have not had this card for XXXX years!. I had written XXXX letters to XXXX XXXX and received the same response. Call a number. I call the number and they tell me they no longer have access to this account! If they no longer have access, how is it being reported? They give me another number for XXXX XXXX. I call that number and the system asks if I am tracking an order???? They give me another number, no one ever answers, I leave a message and do not receive a return call. 
I called Experian directly. Explained this to the representative. She asked me to hold and she would call XXXX XXXX herself. After five minutes I got transferred to the same number I called for XXXX and am asked to leave a message!! The Experian Rep never came back on the phone. 
No one can tell me who is reporting this account to the agencies, why it is being reporting as " OK '' when I have no activity, why months go by with no reporting, and now it shows as " Derogatory '' and I ca n't find these people to find out if I owe them money, and if I do where do I send it. Also, at this point, if I do owe any monies, I would not trust the company to pay them and then delete it off of my credit reports. I am receiving the same responses from XXXX and XXXX. 
Two years have gone now since I have repairing my credit. I have completed everything that all agencies, credit companies and financial institutions have asked, and my score has gone down! I am unable to secure loans, a mortgage or credit cards. I am a XXXX XXXX XXXX male who has lived by the rules and that has not helped as I can not work any longer. 
You may contact me for any additional information you may need to complete this complaint.
I had a XXXX XXXX credit card issued by XXXX. XXXX XXXX was sold and the credit card program was cancelled. My account was closed in XX/XX/2018 with a XXXX  balance. 

Months later, XXXX processed two refunds to the account : on XX/XX/2018 ( {$1800.00} ) and on XX/XX/2018 ( {$440.00} ). I received no notice from XXXX when the credits were made. On XX/XX/2018, I received an email from XXXX that I had a {$2300.00} credit on the account. I called and asked how I access the funds since the account is closed. I was told I could have the funds deposited in my bank account or received a check, both of which would require a 21 day waiting period. 

Between the delay in notifying me and the 21 day waiting period, XXXX will hold my funds for five weeks ( presumably earning interest ). I think that is unreasonable and that XXXX should be required to deposit the money into my bank account.
Hi there! I was doing trading on coinbase, and 1 month ago I tried to withdrawal from my coinbase account to my XXXX XXXX XXXX account.Transcation appears complete, But I still couldnt get my XXXX $ from coinbase. I dont reply my mails, calling etc. I dont know what I have to do. Could you help me about it please
I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, EXPERIAN AND XXXX  ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Hello, I contacted XXXX and Equifax on XX/XX/XXXX to alert the fact that I had multiple credit inquiries that I did not authorize. The customer service representative would not assist in investigating or helping remove the unauthorized inquiries.

Below is the list ( by company, inquiry date, etc ) : XXXX : XXXX- XX/XX/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- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/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-XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Trans Union XXXX Box XXXX XXXX, PA XXXX XXXX XXXX, XXXX To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) XXXX XXXX Recorder of Deeds Docket # : XXXX in the amount of {$2900.00} 2 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
4 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
5 ) Dept. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 6 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00} 1 ) Docket # : XXXX this is a business debt that should not be a part of my personal credit profile and the issue is being investigated by the XXXX XXXX XXXX XXXX because XXXX XXXX negligently held back Taxes to the taxing entities wrongfully causing this tax Lien unwarrantly. This balance was adjusted and on time ; therefore, please updates my credit file to reflect the correct status. 
2 ) XXXX of XXXX # : XXXX This account has been resolved with a payment arrangement as of XXXX XXXX and consolidated into one account # : XXXX ; therefore, please update my credit file accordingly and deleted immediately from my credit file. 
XXXX XXXX XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
XXXX XXXX XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
XXXX ) Dept. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
XXXX ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as agreed. 
XXXX XXXX All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness. 

The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

XXXX truly, XXXX XXXX XXXX XXXX
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit.
I am XXXX. I pay cash for everything and do not have credit cards as they cause me a great deal of anxiety if I have them. So I do not use them. I am being punished by other creditors for the information provided by credit reporting agencies for not carrying any revolving debt. I am paying more for insurance, car loans, and other debts due to these facts. I pay cash. The fact I do not need credit cards does not enter into this equation. 

I am being discriminated against due to the fact I do not use credit cards or revolving debt. If I am unsuccessful, then I will seek class action status and go from there.
The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts.
XXXX   XXXX  IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX   XXXX  SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX   XXXX  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
In XXXX, I took a {$55000.00} private student loan from Sallie Mae for financing my second year XXXX at XXXX XXXX. I started repaying this loan amount post graduation ( i started repaying in early XXXX ). Aside from capitalized interest ( {$5000.00} ) added to my principal amount, an amount of {$1800.00} was also added to the principal as repayment fee on XXXX XXXX XXXX. I have called and asked about the fee and have been told that its in my contract. This fee was neither disclosed during loan discussions or disbursement process and adds and extra burden during repayment. Can you please help figure out how this addition to the principal is allowed, even in a private loan? This looks like an underhanded approach to add interest income indirectly for the issuer and directly from this amount added to principal at time repayment begins. After repeated efforts the servicer now ( XXXX ) can not even provide documents showing this fees was part of the loan. 
Thanks, XXXX XXXX Sallie Mae A/C No. XXXX
Equifax , Inc. does n't actually read and investigate credit report disputes. They have done nothing to correct obvious inaccurate information on my credit report despite having received countless disputes. 
They report that the actual amount of the last payment made for a XXXX account is {$0.00}, that is impossible. This was disputed on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX after every single dispute they failed to conduct an investigation as required by law and continue to report obvious errors. Had they actually investigated this would have been removed months ago. It is n't even my account.
I have received a letter from First National Collection Bureau stating that I owe them {$4200.00} for a XXXX XXXX credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from XXXX.This was XX/XX/XXXX. Even if this is mine from XXXX it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by XXXX XXXX, So with that said I believe this is a violation of the FCRA or at the least a violation of XXXX State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an XXXX resident the company must be registered and licensed by the state of XXXX, which this company does not posses, Therefore First National Collection Bureau is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of XXXX.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County XXXX. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of XXXX AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.
On XX/XX/2018 someone made an unauthorized fraudulent purchase at a XXXX XXXX in the state Illinois using my AMEX SERVE account number without the card physically there. The charge is currently on Hold. I contacted AMEX SERVE and they said they can not do anything until the charge actually goes thru.

By AMEX SERVE refusing to take action, they are telling me that they are OK with fraudulent activity and will accept this activity and do nothing.. 
They also stated they allow purchases to be made at a store without the card being physically present which is contradictory to their statements about fraud protection when you first sign up for the card. 
Also they stated that I would have to call back after the fraud has gone through before they can begin an investigation.
AMCOL Systems recently reported XXXX medical collection accounts from XXXX XXXX on my credit report. Prior to these accounts appearing on my credit report, I never received notice of my right to dispute these balances.
Last fall I opened a Citibank Citigold checking account with a promotional code XXXX which promised me a XXXX XXXX XXXX AAdvantage mile bonus if I fulfilled certain conditions : two online bill pays in two consecutive months and debit card transactions of {$1000.00} or more in the first 90 days of account opening. I fulfilled the terms of the promotion and I received multiple communications stating I would receive this bonus, but then when the time came for me to receive the bonus, I was suddenly " ineligible '' for the bonus and " denied. '' On XX/XX/XXXX I received my first communication confirming I have fulfilled the terms of the promotion and I would be receiving the promotion bonus for XXXX XXXX miles. Quoting from a Secure Message I received from Citi on XX/XX/XXXX : " I can confirm that you have completed the requirements for this promotion on XXXX/XXXX/XXXX to be eligible to receive the XXXX XXXX miles incentive. Per the promotion policy, the AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. With this in mind, you should expect to receive your miles no later than XXXX/XXXX/XXXX '' On XX/XX/XXXX I received a second confirmation that I would be receiving the promotion bonus, also via Secure Message from Citi : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. '' Then on XX/XX/XXXX I received an abrupt denial of this previously promised bonus : " Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I complained to Citi about this and requested that they at least refund me the banking fees which I had paid thus far to Citibank for the Citigold checking account. This was denied as well, claiming that I was not eligible because the promotional offer had not been " targeted '' to me. The original terms and conditions of the offer contained no such language that receiving the XXXX XXXX mile bonus was contingent on being " targeted. '' Given the promise of my receipt of XXXX bonus XXXX miles on several occasions and then an abrupt denial when the time came, I feel that Citibank has been very deceitful in its handling of this case.
Company continues to attempt to collect on a debt erroneously placed for collection AFTER original account balance was discharged in bankruptcy. Company continues to report account to credit reporting agencies, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites ; have contacted this creditor directly via telephone and certified mail. 

Requesting company to immediately halt collection efforts and have all information regarding this account removed from credit report.