WillisBack/dataset-financial-user-claim huggingface dataset:
I used to have an american express corporate credit card ( AMEX CC ). 
I left that company and card was discontinued AMEX sent me a cheque of {$56.00} and I deposited it to my account.Now I received a bill from AMEX stating that I owe them $ XXXX.I called them once ( I forgot the date ) and they told me that I have deposited XXXX cheques of {$56.00} each and not XXXX.I reviewed my bank records and could not locate XXXX deposits.I told him that.But I continued to get the bill.So I called again on XXXX XXXX XXXX and discussed the issue with AMEX.The lady who was on the call told me that an inquiry will be opened and I would get a call back from AMEX stating the date of deposit and the cheque numbers and the bank account where those XXXX cheques were deposited. 
I never received that call and my account was sent to collection agency in the meantime. I received a letter from collection agency. I called AMEX and Collection agency at the same time on XXXX ( or XXXX ) of XXXX XXXX and put both of them on speaker phone so they could hear each other.XXXX from AMEX and XXXX from XXXX were on phone with me.XXXX told us that he would add a temporary debit of {$56.00} within 48 hours to my account to make the balance XXXX which will propagate to the system of collection agency.I called collection agency today ( XXXX XXXX XXXX ) and nothing has happened.I called AMEX and threatened them that I would report this to CPFB, XXXX, police.Then the person told me that the other cheque was deposited on XXXX XXXX XXXX ( which I was not told earlier ) and he would call me back in 2-4 hours with cheque number and the bank to which it was deposited.But no matter what this would affect my credit rating on top of the harassment I faced.
Securitized audit shows bifurcated contract and payoff creditor paid in full lack of full discloser causing harm to man
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove these account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the two accounts froms my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor
Bank of America automatically withdrew {$100.00} @ month for nearly 7 years under their Borrowers Protection Plan AFTER making it free for the first 12 months. They sent me XXXX page of the hundreds my wife and I signed proving we signed this plan as if we requested it. Not true. We did not request this plan and were unaware of its cost until we received a notice recently canceling the automatic withdrawal BPP amount.
This debt collector is in violation of the FCRA. The FCRA requires debt buyers to notify you when they report negative information to a CRA. 

Not only was I never notified but once I learned I had a collection on my credit report I disputed this with the collection company as well as XXXX. I sent a cease and desist letter via certified mail asking them to remove the false delinquency as I would deal with the original creditor only. Neither have complied with removing this account from my credit reports.
I do not have a contract with this XXXX  I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
XX/XX/2016, I became a victim of identity theft/credit fraud. Someone opened credit accounts in my name. I have since contacted those companies to have the fraudulent accounts cancelled. Yet the credit reporting agencies still show the incorrect information. XXXX shows the fraudulent address used to apply for the accounts. Equifax still shows the credit inquiries for the accounts applied for. Please correct the following information : XXXX - Please removed the fraudulent address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX EQUIFAX - Please remove the credit inquiries for the following companies : XXXX XXXX XXXX and XXXX XXXX Please let me know if you need any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, XXXX XXXX
Citi Card company has kept charging me an interest although there has been no late payment ; I have paid in full or more money for the standard purchase every month. I called and visted their office, but their explanation was different every monthe. For example, first month ( XXXX ), they admitted their mistake and wavered the interest they charged. 
Next month ( XXXX ), they said there will be no interest if I paid in full for the standard purchase. 
This month ( XXXX ), They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX, 2020. For example, I did balance transfer for {$6000.00} about six month ago as Citi Card said there will be no interest untill XXXX, 2020. For that reason, I paid a fee of {$180.00} for the balance transfer. I think Citi Bank is cheating people with the misleading advertisement and information. I attached Citicard statement for the month of XXXX, XXXX, XXXX, and XXXX.
TransUnion continues to report a balance for assurance even after Ive shown documentation of a XXXX balance
Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from XXXX XXXX that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints
I would like your assistance in obtain feedback from this company as to why they are reporting a charged off account out of date account on my credit files since XX/XX/XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XX/XX/XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
I talked to a CSR around XX/XX/2017 about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from TransUnion saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.
Hello. My name is XXXX XXXX. I pulled my credit report on XXXX XXXX, 2017 and it showed a hard inquiry from synchrony bank. I never used this company. I called they company and they had no knowledge of my formation. I did not authorize anything with this company. I ask them to remove it but they stated to me they have no information therefore they can not remove it. They then told me to called the credit bureau so i then called XXXX and XXXX  and they were no help. Not sure if this is a fraud action but I would like it to be removed from my credit. 

I also would like an inquiry removed by XXXX XXXX. I have made on time payments but the inquiry is still there. I would like the inquiry removed please.
Wells Fargo Bank has approved and charged me for multiple transactions that I did not do. It has been going on for a year or more, thank Bank gives me very little information regarding my account. Im terrified to be shown my investments, I never get information with this. I filed a claim, multiple claims, and the total came out to over {$10000.00}. This put my life in extreme hardship. I am a XXXX year old XXXX XXXX, ( XXXX ) and I have done everything from filling dispute against the bank and going back and forth with numerous companies. There have been many problems and I have been mocked by their company. ( phone calls, customer service ) that wont help or even though you see the fraud, the department is closed are things I have been told on their recorded lines. 
I have copies or bank statements and more but I have never been able to get information on Certain accounts, and I feel at this point my money is being stolen from me.
I have been a long-time cardholder with American Express, and received numerous mailings and emails with offers to become a platinum member, along with an associated XXXX bonus points if I spent a certain amount within 3 months, I believe. Last XXXX ( I forget the specific date ), I decided to take them up on their offer. Upgrading also meant that I paid a significantly higher annual fee. 

I logged into my American Express account, and upgraded my card through the website rather than mailing in the application or clicking on the link in the email ( as I tend not to click on email links from financial institutions on the off chance it's an illegitimate link ). I assumed that American Express was sophisticated enough to link my account with the offers I had received, but I noticed a few months ago that the rewards points had not been applied even though I had spent the required amount in the 3 months after activation. 

I called American Express and complained that I had not received my bonus points. They told me that there was no offer attached to my upgrade, despite the mailings and emails I received indicating that I was eligible for the XXXX bonus points if I upgraded. They opened a case to look into it, and I heard on XX/XX/XXXX18 that they were declining to give me the bonus points. Therefore, I paid a significantly higher annual fee, and did not receive the accompanying bonus points that were promised to me via the mailings and emails.
Diversified Consultants Inc, ac ting as a debt collector representing  XXXX   XXXX   XXXX  has been contacting me from about early  XXXX  claiming that I have not returned  XXXX   XXXX   XXXX   XXXX  equipment to their client  XXXX   XXXX   XXXX  when my services were cancelled on or about   XX/XX/XXXX .  By the way, prior t o Diversified Consultants Inc. sta rting to contact me,  XXXX   XXXX   XXXX  had also been contacting me saying that I had not returned their equipment. I provided  XXXX   XXXX   XXXX  and subsequent ly Diversified Consultants Inc. a s well  with proof of my having returned the equipment. I provided Diversified Consultants Inc. proof of my having returned the equipment with pictures of the  equipment that I had taken inside the boxes before being packed up by their designated  XXXX  store as well as the work order receipt with the tracking # for the shipping provided to me from the  XXXX  store. This information was provided to  XXXX   XXXX   XXXX  of  Diversified Consultants Inc. vi a email sent to her o n XX/XX/XXXX  . I have the email and all attachments sent to  XXXX   XXXX . The calls and letters stopped as of that date leading me to believe I have finally resolved this issue. The collection letters and phone calls resumed all of sudden in   XX/XX/XXXX !!! I know see that as of this month, they have reported this debt I do n't even have with th e collection bureaus. The amount is for {$760.00}. I feel this is fraudulent, wrongful and irresponsible debt collection being perpetrated against me by both  XXXX   XXXX   XXXX  and  Diversified Collection , Inc  after repeatedly being provided with proof of my not owing this debt!!! I am so frustrated at how it has now gone on my credit report that I have worked so hard on building. I need this to be investigated and to have it removed from my credit report and any other  XXXX   XXXX   XXXX  or any collection agency working on their behalf 's account! Please help.
ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. XXXX AND TRANS UNION ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
CapitalOne Bank is refusing to honor the terms and conditions as set forth in their advertisement for a {$500.00} account opening bonus. Here are the offer terms, as obtained from CapitalOne 's website : Open a XXXX XXXX XXXX and you could earn a {$500.00} bonus. 

Open your account and deposit at least {$50000.00} by XX/XX/XXXX, using promo code XXXX to earn an exclusive {$500.00} bonus. Plus, you'll earn 2.00 % Annual Percentage XXXX ( XXXX ) on balances of {$10000.00} or more. See details below. 

Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. 

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 

The relevant portion of the timeline is detailed below :XX/XX/XXXX : New account opened with XXXX coupon code attached XX/XX/XXXX : Balance reaches $ XXXX through deposits. Note that this is before the XX/XX/XXXX deadline to deposit $ XXXX XX/XX/XXXX : Withdraw $ XXXX from account XX/XX/XXXX : This is 60 days from when the balance has hit $ XXXX, bonus is due XX/XX/XXXX : Called bank customer service line. Representatives confirm that the offer code is attached to the account. Representatives say that there are additional terms and conditions that now suddenly apply that were not on the advertisement and refused to honor original terms of the offer. Different representatives add different terms that don't match the new terms from the other representative. Namely, representative 1 claims that a $ XXXX balance needs to be held for full 60 days. Representative 2 claims that $ XXXX must be deposited within 10 calendar days of opening the account. These two representatives do not even provide the same reason, and more importantly, neither terms are in the original offer text. Of note is that there is no text in the offer that states that the $ XXXX balance must be held for any amount of time.
In XX/XX/2018, a debt collector - Absolute Resolutions Investments LLC- initiated a civil suit to collect an alleged balance owed to a credit card company -XXXX XXXX XXXX XXXX XXXX . Neither debt collector nor credit card company provide me with notice of the debt prior to filling the suit. Neither provided me notice of the right to dispute the debt. I have since requested validation and verification of the debt and now await a response.
I spoke with a representative that stated that I could pay the debt less than the full amount. He stated that the debt would not be deleted and it would show paid. He instructed me to file a dispute with the credit reporting agencies and state that it was paid then the collection would be removed. I set the arrangement and made the payment. I waited until the debt showed paid on my credit report then I did as he stated. I filed disputes with the the CRA 's. Well I received responses back from the credit bureaus stating that what was reported was accurate and it could not be removed. I am highly upset that a rep from that company would tell me to follow those steps to not see a removal. I feel that they rep falsified information just so I could make the payment. I think he knew that the CRA 's would not remove it from my report. Can you please help me?
We refinanced our vehicles in XX/XX/XXXX. We signed all the paperwork they needed to process the loans for our XXXX XXXX XXXX and XXXX XXXX XXXX. Since then, every month they send additional documents, needing more signatures, the same paperwork we originally signed. Everytime we get the papers in the mail, we take it to the Wells Fargo, we got the loan at, the banker there, XXXX, faxes the signed copies to them and then calls them to ask if there is anything else they need from us, they tell him no, everything is fine. The next month something else, this is getting really upsetting.
I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. I opened an investigation with XXXX and it did remove the XXXX/XXXX/2015 entry. However, Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted both XXXX XXXX XXXX XXXX and XXXX XXXX. Both creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. 
My collection account keeps getting sold from XXXX collection company to the next.
I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed.
Transunion had a glitch in the system which caused all inquiries to delete.TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added they said they could not remove them I also asked to talk to a US representative and I was hung up on, these inquiries add a hardship and my rights were violated by TransUnion.