WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. 
Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. 
They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. 
But no one even attempted to call me or refund the ill gotten gains.
I am trying to repair my credit after identity theft. I have XXXX XXXX and noticed this company AFNI was placed in collections for XXXX as of XX/XX/2018. I have never had a relationship, contract or any service with this company.
As an offer for the Equifax data breach, I entered into an agreement where Equifax would sign me up for their credit monitoring services free of charge. From the very beginning, I had many problems with the service and wasn't able to access the services that were promised. I called in and after sitting on hold for hours, I was able to get a ticket filed with their IT and it was supposed to be resolved 5 days later. After a few weeks passed, I still wasn't able to log in to view my protection services product, so I called again. This time I was told that I needed to wait 10 days and that it would be fixed. About 12-14 days later it started to work again, but that was short lived. Very quickly after that problem was resolved, it appeared once again. Again, I spent hours on the phone with customer service and they were supposed to escalate the ticket and a manager was supposed to call me back. Neither has happened to date and I still haven't been able to log in to see my credit protection product. Equifax allowed my personal data to be breached, entered into a settlement agreement with me for me to review my reports for year and that product has failed more than it has worked and I am unable to obtain resolution. I would like a settlement for my data being exposed and for Equifax breaching their contract with the settlement that they offered, which was to grant access to this credit bureau service that hasn't worked.
I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.
On XX/XX/2018, I applied and was approved for the American Express Business Gold Rewards card. The terms of the application specifically stated that I would earn XXXX Membership Rewards points after I spent {$5000.00} in qualifying purchases on the card within my first 3 months of card membership. At no point during the application process was I told that I was ineligible for the XXXX points bonus. 

After I was approved, on the same day ( XX/XX/2018 ), I chatted with an Amex representative to confirm the terms of the XXXX points offer and the date by which I had to finish spending the {$5000.00} to qualify for the offer. The representative confirmed the offer and provided me the date. 

By XX/XX/2018, I had finished spending the requisite {$5000.00} but had not yet received the XXXX points. I decided to chat with American Express to ask about the status of these points. I was told by the representative that the welcome bonus offer had been removed from my account after my previous conversation on XX/XX/2018. 

At no point was I informed by American Express that this offer had been removed from my account. I was not told during the application process that I would be denied the bonus, and it was furthermore confirmed by an American Express employee on XX/XX/2018 that I had this bonus attached to the account. 

This is a complete bait and switch by American Express since I received confirmation of the bonus and then it was silently removed from my account. I would not have applied for this card, let alone spent {$5000.00} on it, had I known I would not receive the XXXX points -- this is the whole reason why I confirmed the bonus attachment on XX/XX/2018. I believe I am owed XXXX points by American Express.
Credit Card Company has been notified by certified mail that account was paid in full. Credit card Company continues to report to Credit Reporting Agencies that consumer has {$7900.00} " written-off '' and a " past due '' of {$65.00} as of XXXX XXXX. This is absolutely not true as a Bankruptcy Chapter XXXX Trustee paid the claim made by the Credit Card Company fully on XXXX XXXX XXXX. All previous claims have been settled, otherwise the Trustee could not discharge the Chapter XXXX Bankruptcy as of XXXX XXXX XXXX.
I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.
I discovered an unknown medical account dating back from XX/XX/XXXX on my XXXX credit report so I filed a proper dispute with XXXX by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX XXXX received it on XX/XX/XXXX and I received their response on XX/XX/XXXX XXXX said that Illinois Collection Service Inc. had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent Illinois Collection Service Inc. a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to XXXX on XX/XX/XXXX stating that Illinois Collection Service Inc. had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent Illinois Collection Service Inc. and proof of their having received it. The second dispute letter sent to XXXX asked that the aforementioned unknown medical account be removed from my credit report due to Illinois Collection Service Inc. 's failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my XXXX credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Illinois Collection Service has not only continued to report this unknown medical account even after my request for verification, validation and their refusal to to supply any information at all to validate this account but they have evened updated the account to XXXX of this year.
Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. 

According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.
This is a complaint against Equifax Credit XXXX. The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX Bank ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XXXX and XXXX of 2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that 100 % that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress, passed in Congress assembled on XX/XX/XXXX. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Experian ( attached ). 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY XXXX FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.
Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 

2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX XXXX XXXX
on XX/XX/18 I called chase bank, XXXX XXXX, and XXXX XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time  forgiveness. chase said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX   said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like chase completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX  did close the account but I am still seeing those late payments. XXXX XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those XXXX mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on  my chase payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
In 2006 I refinance my home with OCWEN Loan Servicing phone # XXXX XXXX & XXXX XXXX XXXX XXXX. I was put in Differed Interest Loan which I later found out by my son. I tried to dispute my case on several occasion which fell on XXXX XXXX. I have never missed a payment since 2006 and I am now trying to refinance my home and I ca n't closed because of the predatory loan the subjected me in, I made a complaint to the Florida Attorney Generals Office ( XXXX XXXX ) regarding this faulty loan. I am XXXX years old & my wife is XXXX. I have my son as power of attorney to answer any questions you may need regarding this important matter. My wife and I worried at nights that we are going to loose our home that we work so hard keep. My son 's name is XXXX XXXX contact information is ( XXXX ) XXXX XXXX email : XXXX. 

Thank you kindly, XXXX XXXX
Thats not a full and complete investigation. You didnt addressed my complaint if you look at my credit report it shows that in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I made payments on this car that information is falsified. Show me my  payment history. They made {$1.00} payments to keep this automobile in statue. I dont know what I owe. I dont think I owe anything. Ive been given several different amounts and it was XXXX then it was XXXX and now its reflecting as XXXX on my XXXX. I have not made any payments since XXXX or XXXX the car was sold to me as a total out vehicle. Check and see wasnt that car totaled by checking the VIN # and youll find out that XXXX XXXX was paid by Insurance Company and Westlake. They should go after them. I spent over 5,000.00 in repairs on this car only to find out they shouldnt have never sold me that vehicle. On top of that Westlake is also shady they have been making payments on this account as though I was making them. Please investigate this to the fullest and you get to the bottom of the truth. I could have sent you those same papers but thats not what I owe, like I said if you look further you will find deceit on XXXX XXXX behalf and Westlake Financial.  Thank you
Quickclick loans in XXXX, Ga is reporting a negative account on my XXXX credit report that I have no knowledge of. I have sent in a notarized affidavit and a detailed police report stating that I have no knowledge of this account. I spoke with XXXX and XXXX in the fraud department and they informed me that they will not remove this negative item off the credit report unless a conviction was made of the person I believe who was using my identity. XXXX informed me if I followed through with trying to get the item removed they would investigate me and I would be charged with a felony. XXXX informed me that her and XXXX looked things over and they will not have the item removed. I have been trying to get this resolved for over 6 months now. They both were extremly rude to me.
My Husband and I had a friend who was in jail we hired a bail bonds co to have him released. The bond was an un secured bond so we did not need to put up any collareteral. We paid the bond co {$1500.00} cash. If our friend fled the court system and did not appear as told to we would be liable for up to {$5000.00} more. Our friend was released from jail on OR before the bondsman ever got there. They kept the {$1500.00} cash and said it was our obligation to finish paying the the remainder of the unsecured bail loan. We told them they were fraudulent and we would see them in court. Time went on my friend was found NOT GUILTY and we forgot all about and wrote the {$1500.00} off. Every 2 years a new collection agency sends me a bill with a larger amount stating I owe them. I dispute their claims in the 30 day time frame and as of now XXXX 2016the collection agency has placed it on my credit report.
PNC Bank Shows I have the money in my account but they play games with the posting date. Then they charge you a overdraft fee this has happened 2 times to me. For a {$36.00} dollar charge 2 times.
I was in XXXX XXXX from  XX/XX/XXXX-XX/XX/XXXX. While in XXXX I noticed that there were a few  unauthorized withdrawals from my checking account at a branch in XXXX XXXX. on XX/XX/XXXX andXX/XX/XXXX.  I immediately called Chase Bank to report the fraud and they issued a provisional credit. After a few days I received notice that they had rejected my claim and I was responsible for the charges. Reached out to Chase again and explained that I was out of town when these charges were made and I even provided proof via travel docs. A couple days later, I was notified that they had looked at the claim again and again had rejected it because a PIN number was used to complete the transaction. They claim that there is no way for them to definitively prove that I hadn't authorized this person to make these withdrawals on my behalf. I explained that they are saying that I am committing fraud myself by filing a false claim...they said that they were not saying that but clearly they are.
My mortgage was transferred to XXXX Mortgage on XXXX/XXXX/15. On XXXX/XXXX/15 I received a letter stating that my home was recently placed in a high-risk flood zone, and that they would force-place flood insurance on me if I did n't get it myself. My home is not in a flood zone ( I checked the FEMA maps ).
I HAD 3 CREDIT CARDS LOST THE COMPANY FOUND IN MY FAVOV THAT I HAD NOT MADE THE THE REPORTED ITEMS AND THEN THEY REQUSTED IRS PROOF OF INCOME I TOLD THEM THAT I WAS OUT OF WORK DUE TO A WORK INJURY AND THEY CLOSED 20 ACCOUNTS THAT IHAD SOME THAT I HAD FOR XXXX AND XXXX IHAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS I HAVE A 100 % PAYMENT RECORD AND LESS THAN 23 % USEAGE BY DOING THIS MY CREDIT SCORE WENT DOWN 30 POINTS
all XXXX credit report companies are stating on my reports that these companies are telling them i had lost or stolen cards and identityt theft which is not true or accurate. 
XXXX and XXXX cards are filing stuff on my report that i had lost or stolen cards and that i had identity theft and i have not ever had such a problem. they have cancelled the cards out now because im pisted off they keep adding stuff to my report that is not true or accurate i have called them several times and all XXXX credit report companies as well. i had top excellent credit a few months ago now it went down and i cant even get a credit card now when i apply cause of them putting this on my report and XXXX of my other credit card companies have also cancelled out my cards as well like XXXX card and another card i had. they said until this is taken off my report my credit is bad now cant get approved for no cards or loans and they wont give my credit cards back until its taken off. i need this taken off so my credit goes back to excellent again its bad right now cause of this companies putting stuff on my credit reports and now i cant even get approved for a new credit card since they did this this last month. please help me get this off my report the XXXX and XXXX cards info about lost or stolen cards info and dont allow them to report more bad things on it, i really want my credit to be excellent but credit report companies are destroying it as well as XXXX reporting it on my credit reports and i want it fixed asap. so i can get my XXXX card back and my other credit card and i want to apply for loan but i cant even do that as of right now cause of this fraud alert and lost or stolen cards they have put on my report. just the info taken off about stolen or lost cards or fraud alert or identity taken off, let me know. the XXXX XXXX and XXXX cards they closed themselves because they saw this on my report as well, so their own company cancelled me out cause they put this on my report themselves XXXX but they are accusing credit reporting companies for doing this so i dont know if credit reports are causing teh issues or XXXX but i want it off immediately cause its inaccurate information.
It has come to my attention that Citimortgage was required to pay back some monies to consumers. When we tried to modify our mortgage in 2012 with Citimortgage we were unable to do so. Instead of helping us they sold the mortgage to XXXX a year later. Since that time we ultimately lost our home and any hope for ever getting another one. Our life savings were invested in that house. Can you share the specifics with us?