WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased some stools online from XXXX using my American Express XXXX XXXX XXXX. My card comes with Return Protection from American Express. When I received the stools, I attempted to assemble them, but I determined that I did not wish to assemble them. I was unable to return them to XXXX due to the weight and the awkwardness of the box. I contacted American Express and filed a claim for Return Protection. I spoke with a representative on the phone and faxed the claim paperwork to American Express. Not only has Amex provided extremely subpar customer service ( multiple emails asking for the same claim documentation and requesting that I call multiple times ), I was then told my claim was denied for the items not being in like new condition. I explained that the items are in like new condition and I can prove it. I was then told to call back AGAIN. It is an endless cycle of poor service to avoid paying any claims. I would like my claim approved. I am willing to mail the stools to American Express for their review. 

Also- when I opened this account I was offered XXXX bonus points if I spent $ 5k in the first 90 days. After I applied, I received another offer for XXXX bonus points, addressed to me. When I asked them to honor this, they refused and told me to cancel my card and reapply. After I receive my bonus points on this card, I will be ending my relationship.
I have disputed accounts on my XXXX credit report that is not mine or not being reported correctly but it's still showing on my report.
My issue is with the Macy 's American Express Card, which I believe is now managed by Citibank. I have a problem with the account but can not reach anyone in their customer service via their published contact information. There is no choice to reach a CSR and all the options just go to another menu then another and another and you never reach a person. I even selected Report Card Lost or Stolen and it went to another menu with no live person. The problem with my account is they are reporting incorrect balance information so I am worried of fraudulent charges or some other issue as my balance is less than credit line but they report XXXX credit available. I have sent via their email contact XXXX messages on XXXX and not XXXX response from their customer service. Sent another message on XXXX and again no response. I am real close to taking legal action as my next step but thought this avenue needed to be done to address their lack of contact option and no response to my issues with my account.
an insurance company issued payment for flood damage to a home, and listed tthe mortgage holder on the draft. after endorsing the draft and sending it tothe mortgage holder ( seterus / XXXX ), the mortgage holder has committedintentional fraud, and will not refund the money to complete the flood repairs. 
they continually change criteria for release of the funds, indicate that we haveto complete repairs from money out of our pocket, and has caused loss ofuse of our property.
It is brought to my attention that I have a debt on my credit reports due to an ambulance service. I have never used an ambulance to be transported to a medical facility nor have I authorized anyone else on my behalf. I do not recognize this account for the dates that the collector is specifying I had services performed.
I was called at my workplace and my cell phone numerous times by XXXX XXXX XXXX. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.
On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.
Capital One has a rewards system on the card that I use with them. Because I am in an XXXX, I was not able to use my rewards feature. I asked them to change my Billing Address at the end of XXXX XXXX. In error they also changed my mailing address which caused me to never receive my billing statement. I noticed the absence of a Bill and signed up and logged into the online service on XXXX XXXX XXXX and noticed the issue. I immediately brought the account current and explained the situation to Capital One. Capital One has fixed my address and reversed the late fee but they never removed the discrepancy from my credit report to no fault of my own as they sent my billing statements to my home of record which all mail will be returned to them. They never called to inform of the problems they where having sending mail to my home of record. It is not my fault that I did n't pay when I never received a bill after they changed my mailing address in error so the late payment should not exist on my credit report.
Wf Bank Na I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX XXXX they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
I received my credit report from Equifax, datedXX/XX/XXXX. I then contacted Equifax to ask questions regarding my account history. I asked if It would be beneficial to have the 5 accounts listed ( closed by me and always paid as agreed ) removed since the credit report states accounts paid on time should not be reflected on the credit report. I was told to file a dispute and have them removed by the representative. Dispute was filed XX/XX/XXXX. I recently checked my credit scores and Equifax decreased my score by 3 points because my account history was removed! I called Edquifax again today and asked the representative to put my credit history back on my credit report and if we had to file another dispute to do that, then I want to do that. After an hour on the phone with a representative that did not speak English very clearly and who obviously did not understand my simple request of putting my credit history back on my credit report, I gave up! This is not a difficult request.
I am filing this complaint because Equifax deleted SEVERAL accounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Req uirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bus iness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under c lause ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 busi ness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserte d ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; a nd ( III ) a not ice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
I have been requesting verification of the following account that TransUnion continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE
I have made several attempts to dispute inaccurate information on my XXXX  Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to Southwest Recovery Service and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is Southwest Recovery Service Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. XXXX   has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
The following accounts and inquiries are a direct result of ID theft yet Equifax refuses to remove the accounts/inquires from my credit within 30 days are required by law : Accounts : XXXX XXXX XXXX and XXXX and XXXX XXXX. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a XXXX in XX/XX/XXXX & XX/XX/XXXX from TD Bank with an incorrect address for my property located at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( previously XXXX ). 

I've been working with XXXX XXXX, Manager ( XXXX, CT ), XXXX XXXX, XXXX XXXX & XXXX XXXX, Regional Manager (  XXXX, CT ) since XX/XX/XXXX to correct the issue. As of today ( XX/XX/XXXX ) I have been unsuccessful.
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.
I went to the following website.    XXXX   XXXX   XXXX    XXXX . Looked at several pre-qualified offers and did not like any of them with insane rates of 30 % being offered so I did not apply.  XXXX  it seems sent my information to  LendingPoint, LLC Telephone nu mber :  XXXX .  LendingPoint th en submitted an application without my consent. I called them and they told me there was nothing they could do to help and the credit inquiry would fall out in two years.
I have and account with bank of America with last four numbers ending in XXXX on my credit file which was included in the process of debt consolidation with XXXX XXXX, the company got into a settlement amount with bank of America and I made payments for 48 months on this account until the negotiated amount was paid in full, however bank of America keeps reporting this account late and past due in the amount of XXXX dollars which is incorrect, balance should be XXXX and debt paid in full for negotiated amount, when calling bank of America they acknowledge receiving payments ( including one last payment in XX/XX/2018 for XXXX ) but they are neglecting their duty of reporting this to my credit reports causing my credit score to remain low and the adverse effects of having both an incorrect status and incorrect balance, please help me to correct this mistake
They have reinsert ran account that was previously removed and re aged it. This account is old. 7 years old. XXXX
A new line of credit, XXXX XXXX credit card has been opened since XXXX. credit reporting agencies have not been documenting any of the information regarding this account.
I pay my mortgage every month with Loancare, a Service Link Company. I called their customer service line and attempted to use the automated phone payment system. When this proved to be nonfunctional, I redialed and navigated my way through an endless menu system which seemed to be designed to avoid letting callers through to a human telephone agent. Ultimately, I reached XXXX at XXXX   XXXX. My loan number is XXXX. XXXX refused to let me speak with a supervisor until I threatened this complaint. 

The supervisor seemed more pleasant, and took my payment over the phone. 

They can't seem thus far to be able to understand why my online account access is not able to be restored. In fact, the customer service agents were unable to do anything because they were having errors in their system as well. This has been the general experience with Loancare. The biggest problem is that Loancare is not even my servicer - it's a subservicer, a double outsourced company taking payments and passing them on to XXXX XXXX XXXX, so I have no idea how to actually speak to my actual mortgagor. 

Loancare still can not figure out why their online portal does not function for me on any of my devices, so it looks like for the forseeable future, I will have to continue to waste my time on hold.
I have a car loan through GM Financial and I had been paying my car note on time every since XXXX around XXXX I was in a hardship up until XXXX when I missed a payment and they have contacted me. During the conversation, I told them that I notice that they haven't been reporting my on time payments to credit bureau. She said yes we haven't because we been having a problem with our system and we just got a new one it will start reporting now. I said so there's nothing you can't do about it but instead they continued to call me on a daily basis and also have put a late payment on my credit. During the time I was paying on time they wasn't reporting. Also last year I had a back injury and haven't been back to work as of today. They gave me a defarament and didn't take off the late fees in which I was told that the late fees isn't included in that when I spoke with them in XXXX, but I was told that I would have to pay partial of my carnote in XXXX and it would push everything toward the end of my balance but it didn't. I feel like my rights was violated due to not reporting to the credit bureau until I missed a payment was unlawfully.
Patient Accounts Bureau calls 3-4 times a day alleging that I owe a balance of {$200.00} ( co-pay ) to XXXX. Spoke to a " XXXX '' who was very rude and demanded that I give him a credit card for this payment and that I should then get a refund from the XXXX? What?!?!? 
I have told them to stop calling me. He hung up when I refused to give him my credit card information. but someone else from P.A.B. has called the next 2 days with the same
On XXXX XXXX, 2015 I closed a PNC {$500.00} secured credit card account. To this day, PNC refuses to refund my {$500.00} security deposit. I also have a checking account with PNC and made several visits to my local branch. The excuses started with a holding period for an entire 30 day billing cycle and mailing a check thereafter. Next, up to 45 days. Lastly, 60 days. Attached are photos of the credit balance on the closed account and {$28.00} already paid on previous statement.
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXXwith reference #XXXX The second one has a filing date of XX/XX/XXXX with reference #XXXX
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX:XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX..
These collection account where not deleted and they where in the past COLLECTIONS XXXX XXXX XXXX  Opened XX/XX/XXXX {$670.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.

Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 3 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$600.00} Original creditor : XXXX XXXX Overview You've paid off -33 % of your collection amount.

Balance {$600.00} Highest Balance {$450.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX
USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {$1000.00} and letting them hold it without interest and {$240.00} in fees. 

It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I 'm growing weary of this bank which has been so predatory of military veterans