WillisBack/dataset-financial-user-claim huggingface dataset:
I have a merchant billing dispute and was informed my dispute can not proceed for 11 transactions while indicial disputes for two transactions were decided in my favor. The merchant, XXXX, operates prediction markets at XXXX and the transactions are for deposits to an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. My AMEX card has a {$500.00} cash advance limit ( while my full credit line is {$7500.00} ) and if these transactions were processed as cash advances, it would not have been possible for me to deposit as much as I did. I have lost over {$83000.00} on this site through deposits on seven credit cards during a three month period, with over {$10000.00} on AMEX. During the month of XXXX XXXX alone, I have made over {$44000.00} in deposits. During the month of XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers. This does not seem right. I tried to work it out with the merchant to no avail.
On XX/XX/XXXX I applied for the XXXX card by American Express. I applied as the card was offering a XXXX membership rewards bonus points signup offer after completing {$5000.00} in spend within 90 days. I received my card and completed the spend on XX/XX/XXXX, before the 90 day cutoff to complete said spend. I called in to the customer service line in XX/XX/XXXX to  confirm that I had met the minimum spend and to check when the bonus points would post. A representative confirmed that I had met the spend, I was eligible for the bonus offer of XXXX membership rewards bonus points and that they would post after my next statement posted. After my XX/XX/XXXX billing statement posted, I called back in to customer service on XX/XX/XXXX at XXXX PST to speak with customer service. I reiterated that I was told that these bonus points would post after my most recent statement posted. This rep confirmed that she saw the XXXX membership rewards bonus points offer, that I had met the spend and that I was eligible. She they stated that the points take 6-8 weeks to post. I called back to customer service on XX/XX/XXXX at XXXX PST and inquired about the signup bonus of XXXX points I was due to receive. This representative stated that I was not eligible as I previously held the XXXX card. I explained to her that in the terms and conditions of the offer, it did not state this as an exclusion. I also re-stated the offer code I used to sign up and nowhere in the terms and conditions it stated that previous card holders were ineligible. American Express is using deceptive advertising and marketing practices to lure customers to sign up for credit cards, promising a signup bonus and then fabricating an excuse to not pay out the sign up bonus to customers. I would like American Express to honor the terms of this sign up offer.
This complaint is against Springleaf Financial. The loan was acquired in XXXX of 2007. The loan amount was for XXXX dollars. With interest it totaled XXXX dollars. I 've paid about XXXX. I still owe XXXX. How is that possible? I paid XXXX a month until they told me to pay XXXX a month. When you look at the payment history, some months nothing went toward the premium. Some months maybe XXXX or XXXX dollars went toward the principal. They are a rip off. How can you pay XXXX on a XXXX dollar loan and still owe XXXX dollars, which was what you borrowed. I saw some review about Springleaf on the internet and XXXX lady said she had the loan before she bought her car and has since paid her car off but still owe Springleaf XXXX dollars. Someone really needs to do something about them. They are taking people money. Especially the elder. The loan has really been paid off and they still want XXXX dollars. If nothing can be done, I 'm going to the media. I 'm also XXXX and have to get my daughter to deal with this problem. Also I have tried to get them to send me cancelled checks because they said I borrowed XXXX and XXXX after the intial loan which I did not. They can not show me who received the money because it was not me. They have no way of showing who received the money
I submitted proper deferment documentation to  XXXX  on       XX/XX/2017 .  Document was never processed and put in default status in error.    XXXX    offered me a repurchase form in  XXXX /2017. Form was submitted     XX/XX/2017 . Rep urchase form is not processed to date. Many apologies for the error but no resolution. Performant Recovery is not willing to participate in a conference call with  XXXX  to hear directly that this was an error on their end and  XXXX  is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.
Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.
I had a lease on a XXXX Toyota Camry with Toyota financial. The lease was for 3 years and XXXX miles. I handed the car in with incidental wear and tear damage and they want me to pay for the incidentals. My issue is that I handed the car in with XXXX miles vs. the XXXX that was allowed. If I went over mileage it would be XXXX $ a mile, however I was XXXX miles under the lease agreement. The residual value works out to XXXX $ due to the under mileage and yet they want me to pay XXXX out of pocket for wear and tear damages.If I had went over mileage they would charge me per mile ; my complaint is why do I not get the same credit for being undermileage.
My account was under review the XX/XX/XXXX for quite some time. I had no access to anything. My wife was stuck without any money for a long period of time. I am currently training on my way to XXXX. So this caused a huge problem. The open my account. So i could have full access then later I did not. They opened then it would close again. Then on XX/XX/XXXX I was told that my accounts will be closed. I received no reasoning why or warning.I have not done anything but be patient with my bank. This has come at the worst time ever.
Navient keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted Navient my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as Navient is doing illegal collecting and reporting.
There is an inquiry being reported on my equifax credit report from XXXX XXXX on XXXX/XXXX/XXXX and Ive had the account opened since XXXX.
My name is XXXX XXXX and my moneygram account is XXXX ( as in one of my email addresses ). 
After initiating a money transfer to XXXX this summer, I called Moneygram to inquire about the delivery of funds. The beneficiary party could not confirm the receipt into his bank account because Moneygram did not transmit the references I provided, nor my name in the transfer. 
I was later able to confirm with the party the actual receipt of the money transfer. 
After this inquiry, Moneygram arbitrarily closed my online account denying me the ability to make transfers and attempts to initiate tranfer electronically were denied with a message suggesting I go to a physical agent ( see attached ), with no explanation, no reason. 
I resorted to physically go to an agent to complete my transfers. 
I went to CVS  on XXXX XXXX XXXX in XXXX to complete a transfer and the transfer was denied. 
Later a transaction was completed at an agent site, but then subsequent transactions at XXXX, another Moneygram agent were denied. 
This behavior of MoneyGram is a blatant discrimination as certain customers are presumed guilty of fraud until proven innocent, contrary to US laws. 
In the many years I have used the services of Moneygram, I have never committed a fraud in any shape or form. 
A US citizen of XXXX descent, my income is fully tracable to my salary ( XXXX/year plus rental properties income of 60,000-80,000/year ) and my transfers are a minuscule portion of my income, primarily directed to my extended family in XXXX or XXXX for assistance , funerals , other community needs, or in some instances payment of expenses on my behalf ( vacation home and cars repairs or maintenance related for example ... ). 
I had faced this dicriminatory behavior by Moneygram before and had logged a complaint to this bureau before it was resolved, only to see the same pattern of discrimination, arrogance, and denial of service repeated now. 
I am asking that Moneygram cease these discriminatory practices conducted under the false pretense of compliance and fraud prevention. 
Honest people doing lawfull transactions should not be subject to demeaning and discriminatory practices in the US. 
I tried to resolve this issue by a letter, only to be invited to call a useless customer service that did not provide neither explanation, nor resolution. 
I trust the CFPB would assist in the resolution of this issue, including the full restoration of my online account and abilty to transfer money electronically and at agent sites, and a full apology for the humiliation repeatedly suffered at agent sites where I was treated like a criminal money launderer and fraudster. 
To make the matter worse, i have a funds transfer initated a couple of years back that was never paid, and that I can not claim back because its references in my online account are not accessibles to me anymore. In that case i sent flowers rather than the monies I initially intended to send to a cousin when his sister, my cousin passed away in XXXX, XXXX.
I have a checking account with BB & T. I had a mortgage with XXXX XXXX XXXX and I paid off the mortgage account. But mistakenly, XXXX XXXX XXXX deducted the mortgage payment from my BB & T checking account and I incurred XXXX over draft charges of {$72.00} on XX/XX/XXXX and XX/XX/XXXX as a result of insufficient fund on my BB & T checking account. I have complained to XXXX XXXX XXXX and they admitted their mistake and sent the wire to My BB & T account. I called BB & T and explained everything. BB & T promised me to refund the XXXX overdraft charges and I waited for a week. Nothing happened and I called BB & T and after being on hold for one hour, I was able to talk to BB & T customer service. I inquired about the status of the refund for the XXXX overdraft charges. BB & T explained that the initial customer service representative requested to the wrong department and they will request it to the correct department and I hung up the phone. Another week passed and nothing happened. I call BB & T again and I was being on hold one hour and twenty minutes and was able to talk to a customer service representative and I asked for manager and she put me on hold about 30 minutes and said that manager is on lunch and asked me to leave my phone number and I did leave my phone number, but I have never get any phone call back from BB & T and have n't received any refunds for the XXXX over draft charges,
Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours.
XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.
In my  XXXX   XXXX   XXXX  Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on   XXXX    XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  XXXX   XXXX .     It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  x  XXXX   XXXX , OH  XXXX
I ran up a large XXXX Debt with Wells Fargo around XXXX, {$25000.00}. I also had some loans. In XXXX I went through a 3rd party debt resolution company, XXXX XXXX XXXX to work out a payment plan. The loans were not paid in full, but charged off. Wells Fargo wanted the XXXX paid in full. I did do that and the last payment was in XXXX XXXX. In XXXX XXXX, Wells Fargo sent me a confirmation letter that the debt was resolved and my acct was closed. I waited for this to be removed from my credit report for about 6 months. I made several phone calls to Wells Fargo, sometimes hearing a sympathetic voice and a promise to do something, sometimes the customer service people would be very rude. I was told that a resolution is equal to a charge off and " Wells Fargo can leave this as is as long as they want '' I tried using a company called XXXX XXXX with no results on this particular issue. Wells Fargo has told me they are leaving {$40.00} owed on my account, but the account is closed so I ca n't pay it. My credit report shows months of " failure to pay '' on this account. 
I 'm confused about why they 're doing this. They did try to file a judgment, but that was held off with the agreement to pay in full in place through XXXX XXXX. The Judgment was filed with XXXX XXXX XXXX Court. I believe XXXX has removed the judgment, I 'm not sure about the other XXXX. 
The payment company " go between '' for Wells Fargo and I was XXXX XXXX XXXX.
I have had a mortgage account with US Bank for a year and per XXXX XXXX they are reporting that I've been paying 30-59 days late every month since XX/XX/XXXX. US Bank had contacted me by phone and I had advised them that I had sent them a physical check on the mail back in XX/XX/XXXX but it turns out I sent the wrong check to US Bank address. I don't believe it to be fair that one payment being late should then make all payments going forward to be considered late. 

I recently set up automatic payments directly from my bank account to ensure they receive payments on time and made a double payment to bring my account back into good standing. 

This is severely affecting my credit score and ruining my chances of getting new credit lines.
XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother. 

XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter. 

XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees. 

The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX. 

I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters. 

XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt. 

I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt. 

XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt. 

XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt. 

XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, Equifax and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and  associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605.  Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, Equifax and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. XXXX XXXX {$410.00} Was paid and they are reporting inaccurate information.

XXXX XXXX account is reporting wrong information. I would like it removed!

XXXX XXXX XXXX Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information.

XXXX XXXX is reporting inaccurate information. I want this removed from my report. XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report.

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report.

XXXX XXXX is reporting inaccurate information. I want this removed from my report.

XXXX is reporting inaccurate information. I want this removed from my report.

XXXX XXXX XXXX  Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. XXXX XXXX is reporting inaccurate information. I want this removed from my report.
# XXXX account this account is NOT mine! I have contacted Equifax over 10 times to fix this account that isn't mine. They show no proof of where they verify this. I have even sent them proof of my investigation to this said company and got a response saying that they do NOT have such account for me. So Equifax needs to delete this asap! This is called defamation of character & fraud keeping a account on my report that isn't mine! I want a supervisor to contact me concerning this or I will be filing this in small claims court as my right to fight for this inaccurate information that they have been reporting.
This happened sometime  in 2016..the b alance is over {$2000.00} ... I had an account with  XXXX  ... I left  XXXX , paid  the balance and returned all equipment yet they are reporting a balance to  XXXX  ... I 've trie d to get this resolved through  XXXX ,  XXXX  and  Source Receivables. I 've also mailed them proof.
Two ( 2 ) years ago today, XX/XX/XXXX, LexisNexis accessed my credit report which was under Initial Fraud Alert due to report of ID Theft on XXXX XXXX XXXX for XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me based on XXXX  credit report sent to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me stating " we are unable to authenticate you on information we received '' -- different Consumer #, different Case # ; but sent to me and my address of record since XX/XX/XXXX exclusively. 

Keeping it simple here and starting @ the beginning since it disappears from credit reports tomorrow. If an American consumer, who is an Identity Theft victim, can not be authenticated by a company who is in the fraud detection and identity verification business? What possibility do you think exists for " contacting and working with this company? '' By the way, XXXX XXXX XXXX , XXXX is NOT accredited by XXXX ( XXXX XXXX XXXX ) see attached five ( 5 ) documents.
I have been a customer with Bank of America for many years. Mostly, I am happy with their service. However, on the date of XX/XX/XXXX, I was given XXXX overdraft fees totally XXXX dollars. Now, I plan my funds out to a tee with each direct deposit. I found it odd, and upsetting that the order my transactions were processed, is what caused me these overdraft fees. When I called the XXXX number, I was tossed around from rep to rep. I was even once disconnected, and not called back. I then made an appointment, and entered a branch, where I was treated with disrespect. These persons explained I could not have either fee reversed, because I had one earlier in the month ( 3rd party error ). My complaint is this : how are you, as my financial institution, allowed to pick and choose? Why when I asked how many a person was allows annually, I was given several different answers? Please do not pick and choose your fees based on how a customer is paid. I am given XXXX separate direct deposits every two weeks. By the end of the month, I bring your bank close to XXXX in MY income. You ca n't give me back XXXX measly dollars back in fees? I 'm seriously confused, and upset by this.
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.