WillisBack/dataset-financial-user-claim huggingface dataset:
Both myself and my husband opened balance transfer cards with American Express. I transferred {$750.00} to one card in my name and my husband transferred {$1500.00} to a different card in his name. We were suppose to receive a 0 % promotional interest rate on both cards for 12 months. On my first statement, I was charged about {$7.00} in interest, so I called the company and they said they would resolve it. It was never resolved and on my second statement, I was charged another {$15.00}. I did not charge any additional amounts/purchases to the card and I have made all payments a few days before the due date. Similarly with my husband 's account, he was charge {$13.00} on his first statement, and {$25.00} on his second statement after already notifying American Express. We have called in on both accounts twice for a total of 4 separate instances ( each instance of interest charged ). On our most recent call, we were told that it was a known issue and they would credit the account for the interest charged but were unsure if this would resolve future statements and to call if we noticed interest on our statement. I told them that I should not have to keep calling in to have compounding interest removed from our cards and that the amount we were being charged did not even make sense since we keep making payments and we were not making any additional charges regardless of the promotional period. I was told by American Express that they were only able to fix this issue for people who called in. Though I have finally received a credit, I feel that since this happened to both of our accounts, that we will both be charged interest again next month and will have to have it credited again. The credit only happened after I told American Express they had violated the TILA Act as well as the Credit Card Act of 2009 because they originally claimed when I called in that the interest was from the balance transfer fee. My balance transfer fee was only {$22.00}, my minimum payment was {$35.00}, and my on time payment was {$63.00}. With my husbands, the balance transfer fee was {$30.00}, minimum payment was {$49.00}, and his on time payment was {$120.00}. Thus, there should be no interest at all since the over payment should pay for the highest interest balance anyway, and I have a feeling that American Express is charging hundreds, if not possibly thousands of customers with interest that they are not even aware of. The only way to see this charge is if you read the bottom lines of your statement. Most people set up an automatic transfers or purchase additional items and possibly do not notice the inconstancy. I believe American Express is taking advantage of people and breaking the law. Again, they confirmed that this is a known issue and that they can fix it only if you call and argue with their customer service representatives. Though I plan to pay off this card and close it as soon as possible, I feel it is important this issue be reported to help make this right for American Express users.
I have been disputing this account with Experian for over the last 8 months and sent certififed letters and documents to prove these accounts have been reporting inaccurately. XXXX XXXX XXXX has 3 seperate loans XXXX XXXX, XXXX has purposely violated my rights as a consumer by reporting false, reaging accounts and intentionally keeping my credit worthiness low. I have asked repeattly per my rights as of setion 623 of FCRA asking for validation and proof of these inaccuracies. Everytime they have came back verified. Well if that were so then how come I am able to show errors.

EXPERIAN IS REQUIRED TO DO THE FOLLOWING : ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Which they have failed to do.Please see attached EXPERIAN is showing that the date opened on the loan was XX/XX/2014 holds a balance of XXXX it has no high balance but is showing refinanced and closed. has no past due balance or monthly payment. 

XXXX XXXX XXXX HAS PROVIDED ME WITH A COPY OF PROMISSARY NOTE THAT STATES 1. Orginal loan amount was on XXXX. 
2.Payment XXXX made 3 payments in full. WHERE is XXXX? how is it they are reporting XXXX on paid as agreed. 
with XXXX previous balance.?????? Yet experian reports 3 different balances on closed accounts with past due?? how was this verified with a BLINDFOLD?

I HAVE BEEN REPORITING THIS AS INACCURATE FOR MONTHS WITH LIES OF VERIFIED. I HAVE EVERY RIGHT TO BE UPSET WITH THIS AND THE FRURSTRATION THIS HAS BOUGHT ME. DELETE THESE ACCOUNTS PLEASE SO I CAN MOVE ON WITH MY LIFE.
XXXX XXXX called about " a '' XXXX XXXX, about a Capital One account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a Capital One account, incorrect last XXXX digits of the social
When I used the ATM at the Bank of America XXXX branch on XX/XX/2017 I asked for {$50.00}. The teller assist told me they did not have the denominations I asked for but could press a button and the machine would send out what it had to make the {$50.00}. I said that was fine and the machine sent out XXXX {$20.00} bills = {$1000.00}. I had my kids in the car and did not go in to the branch to fix it. On XX/XX/XXXX, my account was debited {$3000.00}. I called immediately when I saw the transaction on line and XXXX in the ATM fraud department claimed I had a stack of {$100.00} 's on the camera, which is not true. I told her I received a stack of {$20.00} 's. She was very rude to me and told me to go to the branch where I could " see footage ''. I made an appointment to go in the next day. I went in and met with XXXX who was extremely sympathetic, professional and did what she could to help. However, she said they do n't have the footage there and that is not what I should have been instructed to do. On Wednesday XX/XX/XXXX I received a notice from B of A that my claim had been closed and that no credit could be given. I was told to call a number to receive the documentation. I called and asked for the documents so I could file a police report. I spoke to XXXX in Arizona who escalated to her manager, XXXX. They told me I should hear back in XXXX hours - that should be today. I did not hear back and called again and spoke to XXXX in Florida. XXXX told me they were escalating the claim and I should hear back in XXXX business hours. I feel like Bank of America is giving me the run around. Surely I was not the only person who used that machine on XX/XX/XXXX. No one can tell me where the {$3000.00} came from - when according to my calculations I owed Bank of America {$950.00}. Now I 'm at a deficit of {$2000.00}. I 'd like to hear from someone at the Bank who can show me proof that I received {$3000.00} and otherwise I want my money back. This began as a Bank of America error with whoever loaded the machine. I need someone who can give me an answer. I keep getting the XXXX hour runaround and no one who will give me an answer.
I have two credit cards with Bank of America. I made two payoffs on Monday XX/XX/XXXX which usually post the next business day. I went online to ensure those payments hit my bank account I did not see the payments post. I called Bank of America Credit Card customer service and said I do not see these payments posting and they told me they do not see these payments being scheduled on either account. I asked the rep on Tuesday the XX/XX/XXXX are you sure and he assured me no pending payments were completed and said it may have not gone through. He suggested I make the payments again. Today I come into work and check my account to see if those payments were posted and they posted not only the two they said they did not see, but the ones I paid yesterday. I am now overdrawn and my mortgage and car payments etc are in jeopardy of being returned. I called XXXX XXXX XXXX at XXXX and he said they can not do anything and the earliest I they could credit me is three days. I called back and asked to speak to a manager they said it would take 5 days and said they could only give me refunds for all my trouble if my checking account is with BofA which it is not. I asked to get a address or phone for complaints to the office of the president and he said they do not give that information and I need to go look online. The floor manager never came on the line but relayed the information through the rep which was very humiliating. I am out almost 6k and they see the large credits on my credit card account but refuse to make me whole.
In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
I SENT THE FOLLOWING TO CHASE. NOTE* XX/XX/XXXX Chase on a recorded line told me to stop making mortgage payments. It due to my HOA stealing the title to my home and not allowing Chase to redeem my property. At present, HUD FHEO ( XXXX XXXX ) is reviewing my request for fair housing discrimination. 

CHASE has stayed every foreclosure since XX/XX/XXXX provided I could prove active and contentious litigation. I would not be in foreclosure if Chase had not told me to stop making payments. 

XX/XX/XXXX Chase encouraged me to stop making mortgage payments in its effort to support me as I defended my property rights. My HOA stole the title to my home XX/XX/XXXX and during the first quarter of XXXX Chase 's effort to repurchase those rights was thwarted. Until now, I have fought my HOA on my own. But due to limited financial resources and cognitive and other physical XXXX due to a near fatal car accident I had to get help. Attached is acknowledgement from the US Department of Housing and Urban Development. It includes a name, telephone number and email address of the person reviewing my matter. Please honor the word given to me by Chase representatives when they said as long as I could prove active and contentious litigation they would stall foreclosures. The reason Chase said this is because at the time, XX/XX/XXXX, it was unknown to me or Chase whether or not I would prevail in Court. The HOA already had the title and they despite knowing I was challenging the validity of their title seizure, was expediting a dispossessory in magistrate court. If the  magistrate court dispossessed me from my residence I would be evicted yet still financially responsible for the mortgage. If I won, then I would not have a problem - but if I lost, then the property would have also foreclosed due to nonpayment. Please do not let my home foreclose. I have been the victim of XXXX housing discrimination since XXXX. They have harassed me practically every day for 15 years. The documentation provided supports that I am telling the truth. If this were about money and not race - they why did they not simply take the money from Chase when it was offered during the first quarter XXXX. Please ask your legal department to file a tortious interference with a business contract lawsuit against my HOA. Essentially, the unlawful foreclosure of my title impeded the financial business relationship I have with Chase. The financial injury to Chase would be the missed mortgage payments that included interest income not realized by Chase that could have been received in a timely fashion and used to further its business interest. Even if you do not file suit against them, please do not allow my home to foreclose. I am doing my best to fight them.
On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from XXXX  stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. OnXX/XX/XXXX I sent another dispute letter to XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. OnXX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.
I paid off my cap one business debt in 2009 account # XXXX. Today the debt is still reporting through my credit report with XXXX in the amount of {$2000.00}. I have sent them a letter to update the debt but have not heard back as of yet.
Jacob 's Law Group in XXXX, MS repeatedly called my work phone every two days even after they were notified of the following : 1. It was a work phone and to please contact me via written communication. 
2. I was not aware of the XXXX XXXX Debt and to please send me a detailed account of what was charge on the card. 
3. The debt is past the statue of limitations for MS . 


I have request in writing all the above statements from the Law Group without an answer and will proceed to court on XX/XX/XXXX.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX  XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX Original Creditor : XXXX ) XXXX
The information on my Equifax credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to Equifax since the challenge information does not match any of my previous events.
XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
In my XXXX XXXX Credit Card XXXX, issued on XXXX XXXX, XXXX in addition to my normal purchases I found unauthorized charge for {$11.00}, showing in statement as XXXX XXXX   XXXX. I did payment of my authorized due balance and disputed this {$11.00} charge. XXXX phone agents did not accept that the charge was done by their affiliated insurance agency ( though on web there are many fraud alerts on this scheme ) and decided to replace my credit card due to fraud activity. In reply to my XXXX XX/XX/XXXX dispute I was informed that my dispute was properly accepted for processing ( I have same day email notice confirming that ) and I should pay any due amount except the disputed balance. Since I had no any overdue payment I was assuming that the issue would be properly resolved soon and new card would arrive. What was real surprise for me is receiving next statements indicating the same charges plus some other charges applied to this unauthorized charge, plus new small charge of {$0.00} form the same XXXX XXXX XXXX, dated XXXX XX/XX/XXXX. 
After XXXX months no dispute resolution notices were received from XXXX. When I called to customer support on XX/XX/XXXX the agent rejected to provide any reasonable explanation for the situation and was trying to forward me to this XXXX XXXX ( which I do not now who they are ). In fact, XXXX instead of resolving the disputed transaction is trying to protect someone's interest ( which assumably is affiliated with them XXXX and continuing applying same charges and more additional fees. After understanding this fraudulent scheme : illegal credit card add-on practices by XXXX on XXXX XX/XX/XXXX I had requested closing my account immediately. Since XXXX is non-responsive on this issue and this situation may affect many consumers I had no choice but applying to CFPB for resolution of case.
I have an unverified account from SOUTHWEST CREDIT SYSTEMS. I had previously disputed this account. I have never done business with SOUTHWEST CREDIT SYSTEMS.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOUTHWEST CREDIT SYSTEMS provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOUTHWEST CREDIT SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
The company equifax have in my credit multiplie account for the same amount and the same company and the account is already paid
I sold a home and the buyers financing bank did not close escrow on the date anticipated. Escrow was 60 days and I have the buyers pre-approval letter, for my property, from the bank dated 64 days before anticipated closing. This cost me approximately 15 days of extra interest I had to pay on my mortgage loan. This cost me {$850.00}. 
I have contacted the bank as well as my real estate agent. There " official '' response was per real estate agent, they are declining reimbursement request, their reason is because I am not their customer and thus not a party to their transaction. They offer absolutely no responsibility for delays they caused and will not directly respond to me in writing other than the phone call that my real estate agent received with this information. 
I would like to pursue reimbursement of 15 days of interest. Thank you for any help. I am also not really sure what category to place this in.