WillisBack/dataset-financial-user-claim huggingface dataset:
For background, I had an Amex Platinum until XX/XX/XXXX, but canceled it due to several poor customer service experiences with Amex. 

In XX/XX/XXXX, I read an article announcing that Amex was doing a targeted offer for XXXX bonus points via XXXX XXXX CardMatch program. I've been considering trying the card again, but I assumed I'd be ineligible since I already had an Amex Platinum. 

I decided to give it a chance though and, to my surprise, was matched to the XXXX bonus point offer. I still thought it might disappear when I went over to Amex to apply officially, but nothing indicated that I wasn't eligible for that offer, so I officially apply and am approved for the card. 

3 months later, I've put well over the required $ XXXX min spend on the card, plus paid the {$550.00} annual fee, but still haven't received the bonus points. I reached out to customer service about this, and they tell me that I'm ineligible for the bonus because of my previous card and that I should have noticed that in the fine print ( even though everything on the page I applied through made it appear like I was still getting the XXXX bonus offer ). 

I'm extremely disappointed about this. I would not have reactivated my Amex card without that bonus, nor would I have paid the annual fee, nor would I have spent several thousand dollars on the card. I feel like they've run a bait and switch on me by burying the fact I wasn't qualified in the terms and conditions somewhere while still making it look like I was qualified throughout the application process.
My Wells Fargo bank refuses to replace my stolen bank card. I am in XXXX where I have been for 5 years, except for every 6 months when I go to XXXX. All of my withdrawals from ATMs reflect this. All of my messages confirm this. They have called me here twice and I first called them collect from XXXX onXX/XX/XXXX when the card and cash were taken from my purse - they were in my wallet which was taken. At first I called collect and was granted a replacement card but it later also had to be cancelled because the rural area where I am currently located has XXXX XXXX is on STRIKE INDEFINITELY. So I messaged many times that I now have been I informed the city Post Offices are delivering and the bank called me twice : on XX/XX/XXXX and the first replacement bank card was cancelled but the new one was denied me. Finally tonight I was contacted but only allowed to answer 2 questions to identify myself - Do I have an American cell phone and what is the number So they may text me a code FOR SECURITY REASONS that I must have to confirm it is my account. How insane is that? It's not possible. I live in XXXX!!! I told them I am surviving begging for money to eat, feed my 2 dogs and goat who are all with me OUTSIDE WHERE I SLEEP with NO MONEY FOR HOTEL OR ANYTHING, especially MEDICINE FOR XXXX XXXX. THEY DO NOTHING. IT IS MY MONEY I NEED AND MY BANK CARD THEY ARE WITHHOLDING, NEGLECTFULLY, ABUSIVELY, INCOMPETANTLY.
On XXXX XXXX BB & T ran a hard inquiry on me when I was trying to open an business checking account under my XXXX XXXX and I gave them my tax id number. Now I have a hard inquiry on my credit report.
Since M & T Bank ( MTB ) began servicing my condominium mortgage in XX/XX/XXXX, I have received multiple letters from MTB asking for " evidence '' of insurance. The letters also indicate that MTB will purchase Force-Placed Insurance ( FPI ) for my property if I do not provide the current insurance. ( Escrowing for insurance is not in my loan. ) My condominium association pays for and holds the master hazard policy for my property. MOST IMPORTANTLY, THE COVERAGE IS WALL IN AND THE POLICY IS CURRENT ; IT HAS NOT EXPIRED, LAPSED, BEEN CANCELED, OR ENDED. 
The letters in question have the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
In response to the letter dated XX/XX/XXXX, I called MTBs customer service and faxed a copy of my condominium associations master policy. 
In response to the letter, dated XX/XX/XXXX and MTBs claim that my insurance had expired, I called customer service again and later received an apology letter from XXXX ( dated XX/XX/XXXX ). 
In response to the letter dated XX/XX/XXXX, I called MTB and faxed a copy of my condominium communitys insurance policy on XX/XX/XXXX. 
In response to the letter dated XX/XX/XXXX, claiming that our insurance had expired and that MTB would purchase FPI at an estimated cost of {$690.00}, we contacted customer service again, and were told that there was no record of our fax. I then sent the information via USPS Certified Mail and contacted the insurance company for my condominium association. The insurance agent faxed the policy information directly to MTB and, as a result, I received another apology letter from MTB dated XX/XX/XXXX. 
Astonishingly, I received a fifth letter from MTB dated XX/XX/XXXX, stating that their records show that my condominium HO-6 insurance has expired. MTB is now claiming that the master condominium policy for my unit excludes walls in coverage. Wall In coverage is listed in my insurance information that was submitted to MTB on multiple occasions. 
The situation with MTB and their repeated letters claiming our insurance is expired has reached the level of absurdity. I am a veteran and both my wife and I are XXXX XXXX. We contacted the Department of Banking in our home state about the issue and they suggested we contact CFPB. We have made repeated phone calls to MTB, sent the requested insurance information via fax ( on more than one occasion ), had it sent directly from the insurance company, and sent it by USPS Certified Mail.

At this point, I fear that MTB will buy FPI or HO-6 insurance for my property even though they have clear evidence that my master policy includes Wall In coverage. I want MTB 's repeated letters and claims about my insurance being " expired '' to stop. If MTB wishes to improve its customer service, it should take the time to read/review the master policy for my property and correctly update my records.
AMERICAN EDUCATION SERVICES - STUDENT LOAN I have been paying off this loan since my graduation in XX/XX/XXXX. I was unknowingly and unwillingly automatically enrolled in a " Pay Ahead Status '' with American Education Services.
<P/>I also willingly enrolled in their auto-pay program and have been paying my monthly payment without logging in or checking my account for years. <P/>After a letter notification in the mail that I was 19 days past due on my loan, I learned that I had not, in fact, enrolled in auto-pay for each individual loan through AES that makes up my total, but only for one of the loans that makes up my total. <P/>So how have I been paying those other loans on time until now? Forced, unknowing enrollment in the Pay Ahead Status program where all of my past large payments have been " banked '' instead of applied to my principal. <P/>I submitted several payments over the course of 7 years in various amounts over my monthly minimum ( {$37.00} ) such as {$100.00}, {$300.00}, {$500.00}, etc. I submitted larger payments whenever I was financially able to do so. <P/>I have just been notified today that those large payments have been " banked '' and then applied to my monthly payments each month ( less than 50 % of my monthly payment towards principal each month ), allowing AES to charge interest on the same large principal balance rather than me paying off my principal, even though I was up-to-date with all of my interest payments! <P/>I am not able to find any information in my online account regarding this program and was not able to find any information on how to DISENROLL from the program. After several phone calls and complaints to the company, I was finally notified today, XX/XX/XXXX of my unwilling enrollment in their Pay Ahead Status program. <P/>I am required to WRITE A LETTER to disenroll from the program and have my large payments applied to my principal. It is my money and my payments and I should be allowed to apply them however I would like to without the disguise I experienced with AES. <P/>I am educated on loans and spend A LOT of time investigating before I was able to get an answer on what the program is, how it affects my payments, and how to disenroll.
<P/>
AES must be required to provide more clear communication to their customers about their forced Pay Ahead Status enrollment and how to disenroll.
I spoke to someone from a collection agency about a payday loan I collected in XXXX XXXX, 2011. I did n't have a payday loan during that time. But the people had my Social Security # and the XXXX in 2011. 

I not sure what is happening, but I think I a part of a scam or misappropriate information. I think they are trying to file some kind of legal document to collect. I never received any paperwork in the mail, but they had my telephone number and said they were going to file a for my arrest. I did n't see anything on the bankruptcy about a payday loan. 

The number to the place that called me is XXXX and its called country court and litigation.
I filed a previous submission # XXXX from cfpb, on XX/XX/XXXX. I am refiling my complaint, due to failure to release an outdated mortgage and several illegal foreclosures regarding an outdated loan on my home which I purchased back in XXXX, which XXXX XXXX XXXX was sued along with XXXX XXXX XXXX for illegal loan practices. My mortgage of XXXX was a part of a national law suit which contributed to a global recession. The investor allegedly is XXXX XXXX XXXX XXXX  XXXX, who does not hold an original note, nor doing business as my investor. They now calculate I owe XXXX, which is impossible to pay now, after 11 years of denying me. I have pursued each servicer for 11 years to obtain an affordable mortgage and they denied me. They deny me loan modification year after year me because they do n't have any rights to my property. They continued to perform several illegal foreclosures to take my home and each time they cancel at the very end. The last servicer, XXXX XXXX XXXX managed to get a judgement, only because I got sick and could not make it to court. I hired a lawyer by the name of XXXX XXXX and they did nothing to help me, just took my money. My argument is that I am requesting this mortgage to be extinquished and destroyed because this loan was part of a class action lawsuit because of illegal loan practices done back in XXXX and there is no proof of an original note. The last time I spoke to XXXX, stated they only have a copy of the original note, they then transferred this mortgage to Shellpoint loss mitigation department. I feel they may create one next time, because they told me they did not have an original note. This process has been going on since XXXX and it is now XXXX and this loan keeps transferring to different servicer 's who hire these attorneys to take innocent peoples homes, never doing their homework on the property. they just want to take the home and sell it an pocket the money. The statutory right of redemption is 7 years in a home, I 've lived in mine 11 years. Even if I had paid their rediculous fees, they could never give me a release because their is not an original note. This mortgage should have been destroyed or forgiven. I have possession of the original stamped deed. I pray that some justice is served, being that this is the 4th time a servicer comes after my family home, its been 11 years, I 've lived in this home. This is my family 's home, not just any house. PS : last sale date was XX/XX/XXXX, new sale date XX/XX/XXXX. The bank cancelled the sell date for some reason, which they told me they could not discuss with me ; another illegal attempt to take my property. I am the only owner of this property located at : XXXX XXXX in XXXX. Please help me get my release of Mortgage or Mortgage forgiveness because its been 11 years and these foreclosures are illega. My name is : XXXX XXXX, located at : XXXX XXXX, XXXX XXXX, contact XXXX. XXXX Involved parties : The XXXX XXXX XXXX XXXX XXXX, plantiff attorney for the plantiff is : XXXX XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX, XXXX, Il XXXX Shellpoint Mortgage Servicing XXXX XXXX loan number :XXXX XXXX XXXX XXXX Michigan XXXX
My original complaint against this collection agency was : #  XXXX  The collections company agreed to remove from my credit report and withdraw all claims against me.     When I go into the credit report on  XXXX , it was removed, but now it is back. This should be deleted from their records and removed.     Can you follow up with :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  So they actually do what they agreed to do. This is still showing up on my credit report and they agreed to remove it in the original claim f rom Consumer Finance la st month. They have n't done what they told you they would do.     Thank you  XXXX   XXXX
XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
I do n't even know where to start ... 
When I filled my IBR last year, I was n't making much money so they said I did n't owe them a payment. I still sent {$25.00} a month, but everytime I did, I was assessed a {$26.00} late fee, even though, again, I did n't owe a payment. Now, after my IBR was reassessed for this year, they want me to pay {$370.00} per month. While I understand that I make more money now, I do not have even close to that amount left out of my income to pay every month. I was in a XXXX in XXXX, and so I had to get a new car. My payment is higher, my insurance increased by {$70.00} a month. I also pay over {$100.00} a month in medical bills. And I am a single Mom, trying to make it. My rent alone is {$1000.00} a month. Also my son is a XXXX year old boy eating me out of house and home, my grocery bill is about {$500.00} and my boyfriend is hard times, living with me more than half a month, which increases my food bill as well. To make things worse, someone reported that my loans are in default. ACS said they did n't report it as such. I called the US Department of education and they said that I am in fact listed as in default, even though they could n't understand why, as I had only missed 2 months payments. Nobody will take responsibility for reporting them as defaulted, and no one will fix it. And although I have been paying ACS {$25.00} a month, they continue to report my payment as late. All of this has greatly affected my credit, which is why my car payment is so high now. Please help me. I want to pay back the money I borrowed, but they keep assessing fees and more fees, and then more fees for having to charge me for the other fees. I am drowning in a debt that started out as {$25000.00}. I do n't know what to do.
They sent me a notice with an amount to make a payment to bring it current I called them and they said they have to re submit it so now I 'm waiting again
NELSON AND KENNARD IS CALLING TO COLLECT IN FULL ON THE CREDIT CARD DEBT THAT WAS INCLUDED IN BK AND XXXX XXXX ISSUED XXXX. I CONTACTED XXXX XXXX WHO STATED THEY DO NOT HAVE THE CARD INFO IN THEIR SYSTEMS AND THAT THEY VOIDED THE SALE/TRANSFER OF THIS PAST DUE DEBT TO NELSON AND KENNARD WHO STILL WENT THROUGH WTIH THE JUDGEMENT EVEN AFTER BEING NOTIFIED OF THE BK ... THEY SIMPLY ARE TRYING TO POCKET THE MONEY THEY ARE NOT ENTITLED TO BEGIN WITH.
I have a line o f credit with Wells Fargo.  On Friday,  XXXX   XXXX , I called to make a payment towards the line of credit in the form of an electronic debit from my non-Wells  Fargo  checking account in the amount of {$300.00}. In reviewing my checking account balance today  (   XXXX   XXXX ,  2017   )   Wells Fargo  applied  XXXX  charges of {$300.00} each for a total of {$600.00}, instead of  XXXX  payment of {$300.00} as I authorized.     I c  alled Wells Fargo this morning asking them to credit the {$300.00} iinot my checking account right away but I was told that it will take them between 10 and 15 business days to credit the {$300.00} back into my account.
It is unfair that I have to make my payments on-time if I want to avoid a late payment and/or other fees and a negative   impact on my credit history/scor  e but Wells Fargo gets to charge my checking account without my authorization and not give my money back until it is convenient for them.
It is also abusive that I have to deal with the consequences of not having the money that I count on to pay other debt at this time of the month, such as my mortgage, because Wells Fargo refuses to credit the {$300.00} into my account right away.
Since Navient took over XXXX XXXX, I 've had MANY calls that would resolve with certain things being in place, only to find out later that week, month, or following weeks later, that the information I was given was not correct ( learned through yet another call ) and then I 'd have to pay back fee 's to get 'caught back up ' and then I can be helped. That cycle would repeat itself, for various duration 's depending on the previous outcome. Example, I wait a month or two to get a collection of money and pay all back up again. I got the last resolution to be the most stable. I paid off one loan in lump sum ( ouch ), got a flat rate reduced payment plan for 15 months, so long as I never pay late or incomplete. So I had to get into an auto-pay program. Things are ok now, but getting the run around for years and paying up front costs to get into different programs would only be 'good ' until the website said I owed hundreds more dollars that month.
IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.
I applied for a TD bank card for 0 % charge for 15 months on balance transfers. I have the original paperwork. They now state it was only 12 months and are charging Interest at an extremely high rate. I contacted them to solve the problem and spoke with a supervisor who was not able to resolve the issue. I think they do this to scam people into using their card then charging high interest prior to end of agreement.
Multiple times I have attempted to pay down my student debt which is held by Navient, only to find that my attempts to pay did not work. The website did not correctly apply the amount I wanted to pay. This issue occurred more than XXXX times. I would be under the impression that I completed a payment and then I would go back a few months later to find that the payment did n't go through. The first time I assumed it was user error, but after that I was very careful about completing the process. XXXX further times, after making sure I completed everything the payment did not go through. A fellow student was having the same issues so we got in contact with a customer service representative and they were less than helpful, telling us it was obviously an issue on our part.
Experian is reflecting an account that doesn't belong to me and is fraudulent. this account was removed/deleted from my credit file and they are putting it back on suddenly and its not correct. this account has been removed and should stay that way. I spent numerous months getting this off and spent so much money getting this resolved and now they put it back on my credit file and I have sent them again all the documentation to remove it and they advise they will not do so. this negative XXXX XXXX account hey have listed on my credit file does not belong to me. this needs to be removed asap for good and this is ridiculous that they are again violating my rights and the credit regulations. I have spent countless hours getting this resolved and for them to not properly handle this is ridiculous.
XX/XX/XXXX I appeared in cattaraugus Supreme Court. Honorable XXXX XXXX the judge hearing Chase bank foreclosure case against me. I have written several complaints to CFPB. One fact regarding a lawsuit that Federal Trade Commision filed against the bank which ended up in a settlement in XX/XX/XXXX. Which states the bank can not start a foreclosure unless all disputes have been taken care of. Chase bank had refused to follow the FTC settlement and started foreclosure any way. Chase has tried to push foreclosure through without resolving any of the disputes in my mortgage. Even my complaints there response has been that of taking no responsibility for problems that have cost me great deal of money. XX/XX/XXXX Chase told XXXX XXXX that they were working on a payment plan with me, and Chase wanted a three month postponement. I tried to tell the judge that it was n't true I had not heard from Chase. XXXX and XXXX Chase attorneys told the judge they would call loss and litigation to find out what 's going on. Court was postponed to XXXX XXXX XXXX. Court was again postponed until XXXX XXXX XXXX. Chase has never contacted me regarding any payment agreement or what they plan to do with my disputes. On XXXX XXXX XXXX. Chase stated they needed another 30 day ajornment. Mean while we have been in modification hearings and foreclosure court for 4 years. Chase has never spoke with me. I am being charged legal fees this whole time and house maintence fees. Chase stated to Judge XXXX the had a complaint they had to deal with. It was the reason they needed another adjournment. Chase has demonstrated tactics to eliminate disputes in mortgage and not resolving anything. Court now is in XXXX XXXX and to this date I have not heard from Chase. But legal fees keep adding up.