WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for an Amex Credit card that was supposed to award me XXXX XXXX XXXX miles after spending at least {$300000.00} and {$100.00} statement credit after the first purchase with XXXX Airlines. 

My first purchase with this credit card ( on XXXX XXXX, XXXX ) was two XXXX air tickets, but I 've not received my {$100.00} statement credit yet. 

Furthermore, I reached the {$3000.00} minimum purchase threshold on XXXX XXXX, XXXX XXXX more than XXXX weeks ago ) and, similarly, I have not received my XXXX XXXX Skymiles miles yet. 

According to the terms of service, the {$100.00} statement credit should have been posted XXXX weeks after the XXXX purchase and the XXXX Skymiles miles should have been posted XXXX weeks after hitting the {$3000.00} spending threshold. This was confirmed by a chat I had with Amex XXXX on XXXX XXXX XXXX ). There have been more than XXXX weeks I did the first XXXX purchase and more than XXXX weeks I hit the {$3000.00} spending threshold. 

I have already contacted Amex several times by chat and every time they asked me to wait ( this week, the last time I talked to them, they said there was a glitch on the system and that I should get my miles soon ). 

This has been extremely inconvenient. I was planning to use the miles in a trip I will take soon and Amex is messing up with my plans. 

I am attaching the XXXX statement ( where you can see that my first purchase was a XXXX purchase ) and the XXXX statement ( as you can see, I reached the minimum {$3000.00} purchase by XXXX XXXX XXXX. Also, I am attaching screenshots of a chat I had with Amex in XXXX XXXX ( where they confirmed that the deadline for the {$100.00} statement credit is 8-12 weeks and the deadline for getting the miles is XXXX-8 weeks )
There are XXXX addresses that are incorrect. XXXX of them I believe was used for fraudulent activities. I 'd like the incorrect addresses removed.
I had XXXX XXXX for internet/cable service. Part of the service included a tablet that was given to me for having the service. The tablet needed repairs and I called XXXX for service. The advised that they would send a return envelope. At the same time XXXX sent me a return package for the equipment I had since I was ending service with them. I inadvertently sent the tablet to XXXX. I called XXXX immediately when I saw that I made the error and was transferred around to several people who were of no help. I finally spoke to a manager who stated that anything sent to them is listed as equipment and there was no way to find it. I told him what was sent and I have the return receipt and where it was sent. He said that they are not going to send anyone in the warehouse to look for it. I stated that I still have the actual equipment and he told me that it was of no use to them. Since then they have dinged my credit report for the price of the equipment that they would not allow me to return but somehow managed to keep my tablet. I want it back.
I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.
In XX/XX/2013 I was enrolled at the XXXX and inquired about a few apartment complexes. " XXXX '' happened to be one of the many apartments that I viewed as an option, I did provide them information to see if I met their qualifications as an applicant but I never signed a leasing agreement. On XX/XX/2013 I received an email from the property manager XXXX stating that I did not come to pick up my keys, I immediately contacted her for clarity because I only inquired about the apartment but never signed a lease. On XXXX/XXXX/2013 I received another email advising me that my account had become delinquent which I was flabbergasted by being that I contacted her after the first email to advise her that I was not a tenant at this apartment complex and never signed any documents. Again on XX/XX/2013 I received another email stating that my account was again past due, I called again down to the office and spoke with the property manager XXXX and she at this point offered me a settlement for 3 months of rent stating that she had sub-leased the apartment in XX/XX/XXXX. I of course declined her offer being that there was never a leasing agreement signed. I never heard anything back from her after asking for her to fax me a copy of said lease that I signed. This account has been added to my credit report and this is not a debt that I owe.
On XX/XX/2016, our home was flooded after a pipe froze. We filed a claim with our insurance company. They in turn released checks in my name and in the mortgage company 's name, NationStar. I contracted with XXXX separate contractors to conduct the repairs. NationStar deposited the check and, after sitting on the money for XXXX months to presumably earn interest on it, released a portion of the money to XXXX # XXXX. XXXX # XXXX conducted their work and submitted a bill on XX/XX/2016 for {$18000.00}. The mortgage company is refusing to pay XXXX # XXXX because XXXX # XXXX has not completed their work. Late fees and interest will begin accruing on XX/XX/2016, and yet the mortgage company is still refusing to release any money to XXXX # XXXX, whom has finished his work. I have spent dozens of hours on the phone with NationStar speaking to several representatives as well as a " XXXX '' without success.
I am asking for someone to please help me with Bank of America Home Loans. After my wife was bitten viciously by a dog, she lost her job and as a result we fell behind in mortgage payments. Bank of America has been making my family fight a fight that even when serving in the vietnam war, I would rather be back there than having to deal with the underhanded tactics of Bank of America. They have denied us a couple of times not because of our financials but because they claim we do not have the right paperwork but we are submitting all documents that are being requested of us by Bank of America. Furthermore, they had issue with my wife 's bank statements claiming that the letter head was incorrect. We provided bank statements directly from the bank, this is ludicrous. More recently, my wife submitted yet another package for modification and around XXXX XXXX, 2016, Bank of America agent XXXX XXXX confirmed we had a COMPLETE package and that they would be reviewing us. Further, she informed me that we would do the financial interview and that she would call me in the next couple of days. Well, low and behold two days later we get a Notice of Trustee Sale posted on our door. How can they tell us on the one hand that they have a complete package and that we are being reviewed for a loan modification and then try and sell my home. Bank of America is engaging in illegal dual tracking and they are in violation of the Homeowner Bill of Rights passed in California. I ask that someone kindly monitor my review process so that I am given a fair chance at modification. I served my country in XXXX and I was XXXX XXXX. I have been through so much and Bank of America is completely stripping me of all of my pride, as I can not fight this battle in a fair manner. I am working full time, my wife will be receiving her XXXX and my kids help us out. I want to start paying Bank of America a mortgage payment I am not trying to live for free. I beg you please help me to get a fair review for a modification.
In 1998 I took out a Parent loan with lender Sallie Mae. Sallie Mae consolidated my loan and sold it to Navient. My loan went from {$190000.00} to {$38000.00} ( including payments made over the years. I am now a senior citizen turning XXXX years old this year. They want me to sign a new agreement whereby my terms are to reduced to $ XXXX/month for the next 25 years. HOW CAN THAT BE OKAY WHEN THAT ADDITIONAL {$200.00} MAY BE THE DIFFERENCE IN KEEPING A ROOF OVER MY HEAD, BUYING FOOD OR PAYING UTILITY BILL IF I LIVE THAT LONG. Is this legal to double my original loan to have me pay forever? I NEED HELP PLEASE. My husband has survived XXXX and monthly medicine is still needed to sustain his life ( he had XXXX XXXX ). I am XXXX  and have XXXX and monthly XXXX and other meds total {$180.00} monthly. We still owe on our home and are living just with essential daily needs due to all the medical bills and life. I don't understand how a loan that started as government Parent Loan can be sold and double. This type of practice can wipe a regular person out.
We have made 73 payments on our vehicle. The maturity date was XX/XX/XXXX.  This company is telling us that we still owe XXXX more dollars and sent us a new contract to lower our payments and pay on our vehicle for 2 more years. This company is a predatory lender and are trying to take advantage of us. We are senior citizens and live on a fixed income. We were so looking forward to getting our vehicle paid off in XX/XX/XXXX of this year. Please help us.
I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.
XXXX XXXX, Equifax and XXXX  are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
This XXXX/Lowes account # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to Experian, XXXX and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to Experian on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX,  XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from XXXX and XXXX. I have not received any notification from Experian. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX.  There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( stars and stripes ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Services ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
I am unable to pay this debt due to financial hardship. No offer of a lower income assistance was offered by the original creditor, and isnow with a collection agengy. This has created a negative effect on my credit file with XXXX.
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Experian remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.
We purchased a XXXX XXXX XXXX inXX/XX/XXXX.  The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. 
I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. 
I don't want to be responsible for the balance of the loan after XXXX sales the it. 
What legal action can I take. Is there a class action suit I can take part in.
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
WELLS FARGO BANK REPORTS THEY ARE SERVICER FOR XXXX XXXX XXXX BUT XXXX XXXX XXXX STATES WELLS FARGO IS N'T SERVICER NOR XXXX XXXX XXXX IS NOT LENDER / INVESTOR FOR MORTGAGE LOAN. WELLS FARGO BANK CONTACTS XXXX XXXX XXXX AND TELLS XXXX XXXX XXXX, A DEPARTMENT XXXX IN XXXX XXXX XXXX IS INVESTOR FOR MORTGAGE LOAN. XXXX XXXX XXXX XXXX REPORTS SHE NEVER HEARD OF XXXX IN XXXX XXXX XXXX AND DO NOT HAVE CONTACT NUMBER TO DEPARTMENT IN SAME CORPORATE BUILDING. WELLS FARGO BANK AS SERVICER REPORTS XXXX XXXX XXXX HAS NO CONTACT NUMBER OT INVESTOR WELLS FARGO BANK IS SERVICER. WELLS FARGO BANK REPORTS TO HAVE REMOVE DEED FROM MERS XXXX AND FOR TWO YEARS PLUS SENT DEED TO XXXX XXXX XXXX TO REVISE. WELLS FARGO BANK / XXXX XXXX XXXX REFUSED TO PROVIDE PROOF OF PROMISSARY BNOTE BUT TRYING TO FORECLOSED ON PROPERTY WITHOUT DOCUMENTATION OF PROOF.
I  am a  XXXX  and did a job for an insurance company where I had to invest my money on materials and labor. The insurance agency has a 30-45 day pay time frame which was explained to me after the fact. Well I have fallen behind on my payments to Conns here in Texas. Granted I have been a loyal costumer for years. But they have been calling me 16-23 tim es  a day for 2 we eks now. For a payment of  XXXX  $ I have repeatedly asked for more time until I finally had to talk to  a manager. I was shocked at the level of profecional ethic this rude man had. He was rude to the point where I hung up  on him and the calls just got worse. Now theyre blowing my phone up more and more with each passing day. As soon as I get this check, they will be the first people I pay off. I was trying to build credit by purchasing a few items from their store but that was a big mistake. Thank you for your assistance and  XXXX   XXXX .
I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt
I was in a XXXXin a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXX XXXX XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
I went to credit union in XX/XX/XXXX for a loan and was notified I had a serious delinquency of {$2700.00} from XXXX in XXXX, XXXX. Since I have never lived in XXXX, I disputed the account with Experian and contacted XXXX and was informed I needed to send an FTC report ( XXXX ). I went to the local police and prepared the proper forms. I provided a letter from my employer at the time, that I was working in XXXX, XXXX at the time this account was opened. The police confirmed the location I was living at the time in XXXX. I sent the report to XXXX XXXX, and they acknowledged this was not my account in XX/XX/XXXX. I went to get another loan from the same credit union in XX/XX/XXXX and the same delinquency was still on my account. I had to show them the letter from XX/XX/XXXX provided by XXXX XXXX, that this is not my account. I later applied for a mortgage in from XXXX XXXX in XX/XX/XXXX and it showed I had a serious delinquency ( XXXX XXXX ) and Experian is scheduled to remove this in XX/XX/XXXX. I am not understanding why this is still on my account and affecting my loans, credit score and interest rates because of this delinquency.
ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH CHASE MANHATTAN MORTGAGE LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO XXXX XXXX XXXX LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.
I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.