WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans were transferred to XXXX when I submitted my application for XXXX XXXX XXXX XXXX. XXXX stated that it would take a few months for the payments I had previously made to count toward my XXXX plan. They state that they have now completed the reconciliation of my payments, and that only XXXX of my payments for my subsidized loan and XXXX payments for my unsubsidized loan qualify toward forgiveness. They stated that they will review the file, but they have made no adjustments since that date. I do not have access to payments made to previous servicers which they say are not qualifying. The person I spoke with stated that some of my payments were short by {$0.00} and are therefore not qualifying, which is incorrect. She also stated that she could not tell why others were marked as not qualifying. She indicated that they do not have the proper information or systems in place to make the determinations about qualifying payments, and as of the date of my call only one person had actually received the forgiveness under XXXX to which they are entitled. 

Every payment I have made is a qualifying payment as they have all been full payments of the required amount under my qualifying repayment plan.
When I signed up for the American Express XXXX XXXX credit card a few years ago, I had a XXXX membership number that was tied to that account. Sometimes last year, however, that XXXX member number expired and I signed up with a new XXXX membership with a different membership number. About 4 months ago, I was told by American Express that my XXXX XXXX XXXX was a victim of ID Theft and that they were going to issue a new card to me. After a couple of weeks waiting for my new card, I contacted American Express customer service to find out why. They told me that it was because they had my old expired XXXX membership number tied with that credit card, and according to American Express, in order to have the XXXX XXXX credit card, it requires an active XXXX membership. I explained to them my situation, that I have a new membership number with XXXX. They told me to fill out a form to link my new membership number with the credit card. About 2 months ago, I linked my new XXXX membership number with my credit card and contacted American Express to send me my new card. Every time they told me they were going to send me my new card, it never comes, and I would need to call them again. This has happened more than XXXX times calling them and complaining to them. 

Three weeks ago, I called American Express customer service, and they told me they cancelled my American Express XXXX XXXX credit card without my consent! Then the representative started asking me about my personal info ( SSN, Birthdate, Income ), and when I asked him why he needed all that information, he told me he was going to apply for a new credit card for me to my surprise! Since I just wanted my credit card, I gave him all that info. A couple weeks past, and I still had n't get my credit card. Last week, I spoke with the supervisor of American Express over the phone and explained to him the situation and filed a complaint with him, and the supervisor " promised '' me that my credit card will be arriving on XXXX/XXXX/2015 and that he will be calling me to follow up if I received it. I did not receive my credit card. 

I have already put a lot of patience into this issue and have put as much effort that I could to get my credit card, and I do n't know what else to do besides write this letter.
I have send several letters and filed several complaints regarding a few inquiries that are being reported on my credit report. Equifax has failed to validate this information and have ignored my request to validate this information by not responding to my letter other than for me to contact the creditor in which I did that as well and Equifax has failed to comply. I did not authorize the following credit inquiries that are made by the following companies : XXXX. XXXX XXXX XXXX. XXXX & XXXX XXXX. XXXX & XXXX XXXX. AT & XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.
I had transactions pending debiting my account in the amounts of XXXX, XXXX, and XXXX on XX/XX/18. Had they posted to my account they way they came in then I would have only received 1 NSF fee of XXXX. Chase bank decided to change it and pay the largest one first causing me to receive {$100.00} in NSF fees. The practice of paying the larger item first is abusive to the consumer so they can charge the most amount of fees.
The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and XXXX XXXX XXXX XXXX in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, TX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX
XXXX  : : claim #  XXXX  I called chase card benefits that my kids phone was stolen. She said to file a claim online which I did on  XXXX   XXXX   XXXX .   On  XXXX   XXXX    XXXX  , all I received from Chase was that I needed itemized sales receipted indicating the purchase of the price I am claiming.   - Your itemized sales receipt  ( s  ) indicating the purchase price of the item  ( s  ) you A police report was not requested til  XXXX   XXXX . When I received this email, I emailed back and called if we need to file a police report. Due to system error , Chase  needs to call me back. I didnt receive an email re : this police report or a call til  XXXX   XXXX ,   XXXX  . Chase is quite slow in processing this and many days have lapsed.     Also there was NO Prompts or mentioning in the claims online that a police report is needed!     Additionally the rep,  XXXX  called me on  XXXX  of  XXXX  requesting a police report. I told her and I have emailed you guys I can go and obtain a police report. She said, she needs to speak to someone or she needs to check something out.   On  XXXX   XXXX , she called stating the claim is denied because a police report was not in place.     Why wasnt I requested a police report in this email on  XXXX   XXXX  request?     I have been with chase when I was  XXXX   XXXX   XXXX . For 16 years, I paid an annual fee! If you look at my histories, I have purchased many expensive items! I do NOT have histories of filing lost or theft items at all. This is my FIRST item that is lost and this is how Chase treats me!     I feel chase is trying to avoid paying this claim. I am a good cardholder, I pay my bills on time, etc. I am not very happy. Whats the point in paying {$95.00} annual membership for? I paid this fee to have a sense of security when my item purchased is damaged and lost.       I will also file a BBB report and any other report that is necessary to have Chase cover this claim.     If I was told in the beginning or when I file this claim that a police report needs to be popped up then I would have filed a police report.       Sincerely,  XXXX   XXXX
American Express is a disgraceful company. I asked them on multiple and multiple occasions to give me a refund, send me a check. I have a - {$200.00} balance on balance. I asked them several times months ago, THEY REFUSED TO SEND ME A CHECK. One customer service guy even laughed at me for Having an XXXX Name, VERY RACIST. Why did they not send the check? I had trouble with buying food and rent. I asked them multiple mulitple times, send me a check. And then when they finally send me check, i asked what compensation do you have for FAILING to ABIDE by contracts, and failing to following government consumer law, and failing to provide customer service, or abide by California policy. They said NOTHING, and laughed at me, it is like they do everything to disrespect/fraud people, THEY STOLE my money for a while, laughed at my face, and did nothing.
On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company. 

On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month. 

Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.
All 3 credit bureaus are refusing to accept my attemots to get a lock or freeze on my accounts. EQUIFAX IS USELESS AS YOU KNOW ( PLEASE PUT THEM OUT OF BUSINESS AND EXECS IN JAIL! 
XXXX says they are too busy and to get back to them - THIS IS URGENT. 
XXXX keeps refusing my accurate information and giving me nowhere to go.
On XX/XX/XXXX I went, in person, to the XXXX XXXX branch at XXXX XXXX XXXX to cancel my account prior to a move. 

The in-store representative charged me {$64.00} to settle the account and assured me that the account was closed, that I owed no equipment, and that I had no further debts with XXXX XXXX. 

On XX/XX/XXXX, at my new residence, I received a notice from a debt collector that I owe XXXX XXXX  {$0.00}. This billing is not only in error, but absurd. To threaten me with credit damage is offensive and to waste time and resources on such a ridiculous effort is abusive of both me and the credit reporting system.
I have made contact with Equifax, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. 
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX,  USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the Equifax, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, Equifax, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
XXXX - XXXX XXXX ( Acc Number:XXXX ) XXXX - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX Transunion - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
I have not had a pennys card in over 17 years.. did someone use my name?
Multiple violations of the TITLE VIII - DEBT COLLECTION PRACTICES espespecially sections 805, 806, 808 and 816.
In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.
Chase Bank has fraudulently, illegally collected thousands of dollars in overdraft fees from my account as part of their " Overdraft Protection Service, '' despite me sending multiple letters to their corporate offices via certified mail making clear in extreme detail that I did not want the service, was extremely dissatisfied with the service, thought their marketing of the service was unethical, and that I wanted a refund. After agreeing to refund {$500.00} " as a courtesy ( despite having taken {$6000.00} in the past 24 months alone ), Chase CONTINUED to assess fees are refused to turn off the service. I again mailed them and they responded, and again refused to turn off the service, which they claim is optional. Furthermore, they have no stated that they will not even discuss the issue with me further, and they are STILL COLLECTING FEES. It 's unbelievable that the bank has such flagrant disregard for their customers. I 've told them repeatedly I do not want an " optional '' service - yet they refuse to remove it - and have collected thousands upon thousands of dollars as a result.
We are still at it. Another proof of Equifax operating in a Vacuum without Laws. Notice the Addressee on the Envelope : STIII / AGAIN. 

Hey Imbecile, here is our proof we no longer identify you as someone else. We will no longer gather information not in your name or disseminate wrong illegal information. Believe us verbally as we demand you do this! It is just OUR Policy to address any correspondence to you in other than your name. As you accept this Mail as yours, we are authorized to collect data and disseminate information as you are accepting the fact you are AKA. I AM NOT!
See complaint # XXXX. The issue discussed in that complaint is not resolved. In a letter dated XX/XX/XXXX, Barclaycard responded to my complaint, informing me of a statement credit dated XXXXXX/XX/XXXX. The value of that credit, however, was only 50 % of two of my five qualifying onboard purchases. No credit was provided or has since been provided for my qualifying onboard purchases appearing on the statements that closed on XX/XX/XXXX and XX/XX/XXXX. Accordingly, despite the XX/XX/XXXX, credit, Barclaycard still has refused to provide the advertised benefits in the Business Card Agreement.
In XXXX 2015, I entered into an agreement with the collector GC Services working on behalf of the Department of Education to rehabilitate my Federal Student Loan which had gone into default. The deal proffered by GC Svcs was for XXXX monthly payments and a fair amount of paperwork, after which my loan would come out of default and I could resume regular payments. At the time the agreement was entered into, I was not working and so the payment amount was set at {$5.00} per month. Over the last eleven months, GC Svcs has collected eleven payments at the agreed upon amount, on time, without exception. However, over the last eleven months, GC Svcs Collectors have contacted me about every 6-8 weeks to insist that I provide ever greater amounts of income verification, asset verification, forms, applications and submit to untold hours of answering the same questions over and over again on the phone all while threatening to change the payment terms of the original deal or pull the deal entirely. I have spoken with GC Svcs personnel ranging from Collectors to Managers and no one agent of GC Svcs has been able to explain the exact nature of the issue or the status of the agreement made in XXXX. GC Svcs agents have, although, gone to great lengths to obfuscate not only the nature of the agreement and the Student Loan Rehabilitation Program but their legal responsibilities as instrument of the Department of Education and my legal rights as a debtor. After contacting the DOE Ombudsman and the Default Resolution Group, I have been told that indeed, XXXX qualifying payments have been made but that for some reason, GC Svcs has not submitted my Rehabilitation Program paperwork to the DOE. A collection agency behaving deceptively is not remotely surprising but a collection agency acting as instrument for the United States Department of Education, proffering an agreement in their name and then mendaciously threatening to renege on said agreement all while collecting payments made in connection with that agreement is frankly, revolting. Having handled hundreds of thousands of dollars in medical bills in my life, I am no stranger to debt and I have been exceedingly cooperative and patient over the last eleven months with GC Svcs but my patience is at an end. At best, GC Svcs is incompetent and does not fully understand the role they have been contracted by DOE to perform. At worst they are acting with pure bad faith, using deceit and obfuscation to swindle college students out of their rights as debtors. It is my sincere hope that upon review, the CFPB, The DOE Ombudsman and the FTC will find GC Svcs unfit for continued engagement as a collection agency. I hope for this not because I want to escape my obligation as a debtor and not out of some vindictive impulse to be avenged, but because I - and a XXXX other financially strapped college students - deserve, at the very least, the dignity of an honest broker with whom to work.
Hi cfpb I have complaint against Experian. I have did all I can to have them to remove anything that's inaccurate I have gotten no response from Experian under section 609 if it's doesn't belong to me it must be removed and if it's been 30 days no response it must be removed or else it's a violation and a fee of {$1000.00} per each. I am reaching out to please have them removed my Experian report it's been 30 days no response it must be removed under the statue of limitations. This is causing me emotional stress because I did all I can do and I they just voided me with no response.
In 2017 a debt collection agency by the name of PMAB , LLC attempted to collect an unknown debt from me in the amount of XXXX.
Fees levied for Credit Protection Service. Did not request this service. Each month I was assessed a fee based on outstanding balane (? ). It differs each month.
XX/16 {$24.00} XX/16 XXXX
Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s )  and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's  refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX  2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.
I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.