WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number is XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce by simply linking the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. I have done this in the past with American Express Member Rewards Points transferring them to my XXXX account. In XXXX I tried to do another online transfer of XXXX of my points to XXXX XXXX and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that my account is being reviewed at the corporate level, which could take 6 - 8 weeks. She could not tell me anything else. In other words, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
Despite several fraud warning on my accounts with Bank of America, someone has managed to get access to my bank accounts and withdrew some money from them. I have made request for extra precaution be taken while handling my account, but this was not done. After I closed my account, the perpetrator managed to pass bank of america security screen. the Bank had promised me to call me each time an online or over the phone transaction was taking place. This request although agreed upon by Bank of America was not followed which has led to the lost of my funds, and credit potential, putting my business at risk. The Fraudulent person had information about the account, that I that opened it, never even received. I have asked the bank for a written update on the investigation performed, so that I have an understanding of the information the perpetrator has, and up until today I do not have any information from Bank Of America as to how those transactions have occured, or what type of security questions where asked. 
To date, a fraud has my information, and I am not able to tell you what type of information the person has, yet, the bank has it and will not disclose. Ultimately this is a direct result of the bank failing to follow the directions clearly written in a high profile identity theft victim profile.
Hello, after browsing various websites, it seems Coinbase are notorious for holding your money and not actively helping consumers withdraw their funds. 

I wish to withdraw my funds from coinbase, having followed instructions, paying for transfer fees, but I am still unable to withdraw. I have also contacted Coinbase via email, but am now not being replied too.
This is a second complaint again st ATG C redit for another account they recently added to my credit report. I received no notice that this was being added to my credit, I only found out about this account when I discovered they had already reported it to my credit. The account number according to my report is "  XXXX  '' and the balance is {$6700.00}.     I do n't know what this debt is for but this is not only time a company has come after me for this debt. I have already dealt with  XXXX  other collection companies who are also actively pursuing me for the same dollar amount on a debt that is not mine.  XXXX  of them was called  XXXX   XXXX   XXXX  with an account number of  XXXX  and another collection company was called  XXXX   XXXX  with an account number of  XXXX . They are also reporting this same account on my credit report. I am including a screenshot from a recent report which shows how these other  XXXX  collection companies are reporting this same debt on my credit. I do n't understand how this is even possible. How can this company decide not to send me a notice of a right to dispute this debt AND report this debt again on my report for a third time??? I have never been provided with validation of these accounts from any of these companies. What scam are these places trying to play on me?
In XX/XX/XXXX, I did a balance transfer from another credit card to my Capital One credit card with a 0 % APR. Between XXXX and XX/XX/XXXX, I paid a total of {$2000.00} to my Capital One card, assuming that I was paying off that balance transfer, whose rate would expire in XX/XX/XXXX. To my dismay, after paying several large amounts, I was surprised to look at my statement and see that Capital One was not applying my additional payment to the balance transfer amount but to my outstanding ( purchase ) balance. When I spoke to customer service at Capital One, they told me that " Capital One applies your minimum payment amount to pay off lower-rate balances before paying off higher-rate balances. We apply any amount in excess of your minimum payment to higher Annual Percentage Rate balances before lower-rate balances. '' In other words, if you have a balance on your credit card, it will be difficult even impossible to pay off the balance transfer amount and the consumer will end up incurring interest on that balance transfer even though Capital One is supposedly giving you a 0.0 % APR " deal ''. That is not made clear unless you read the fine, fine print. I have contacted Capital One and asked that they reallocate my payments.I have not heard a response from them yet, outside of saying that they received my message, after almost a week.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part.
There is an address on my equifax credit report where I have NEVER lived. 
How can I find out why this address is on my report?? 
It is a XXXX Illinois address and I have NEVER lived in XXXX Illinos or Illinois. 
Hope to hear something soon??? 
XXXX XXXX XXXX XXXX XXXX
The accounts in question funds where not returned after an approval was given and then closed after they got my money. The bank sent a letter stating the balances that total {$120.00} were applied to a previous balance owed. My attempts to get the total amount owed from this balance minus the {$120.00}, that I feel was stolen and applied to this mystery balance have not been successful. I have also not been successful in having it stated that the satisfaction of this mystery balance will be removed from all third party reporting agencies if satisfied.
On  XXXX   XXXX ,  2017, I wa s contacted by Direct Revoevery Services which indicated I owed a debt and that they had personal information which indicated I had to pay the debt. This initial contact was via voice mail. I contacted them concerning the voicemail and spoke with an male who refused to provide me with specific information regarding the debt. He was rude and kept insisting that I had to pay the debt or else. He further indicated that he was NOT going to provide me with any written information as requested regarding the debt. He refused to answer any questions I might have only repeating that I had to pay the debt.
I have attempted over the past week to set up auto payments with the loan servicer ( MOHELA ) in order to make payments. There has been issues with successfully making payments ( I was told it was that the financial institution rejected the payment ) and I have used MOHELA 's secure messaging system to figure out a solution. Through messaging and providing as much detail as possible I have attempted to fix the problem and make payments ; however, the response from MOHELA has been extremely underwhelming and the replies have not provided any information on how to fix the problem. The responses have appeared to be stock responses and have not been helpful at all nor addressed any of the questions I asked. Very disappointed with the quality of costumer service..
I took out two small ( private ) loans through my University directly to make up the difference in a couple of emergency situations. The lending company is called XXXX. Over the past six months, I have attempted twice to send them the lengthy amount of paperwork they requested for me to ask for deferment on my loans due to financial hardship. Both times, I received no notice of them receiving my forms, so I called them again after receiving multiple letters threatening to send me to collections. I was told that my mail did not make it to them and I would have to send it to them another time. They do not accept these documents in any other form besides snail mail. So, as they asked, I sent the documents a second time. I still received letters threatening to send me to collections for past due amounts. Over a month after I sent the forms for the second time, I called them and demanded to know what was going on. This is after they called me multiple times on an " automated dialer '' to tell me that my account is past due and that I will be sent to collections, and that I had been reported to federal credit institutions for my intentional delinquency. They told me that for the SECOND TIME, they did not receive my request for deferment. What I also learned is that they illegally gave my father, who is not on the account and has no relationship to the loan, information that he was not meant to have access to, and allowed him to put his phone number as a contact for my account. They claim they have no record of speaking to him, but there is no other way his phone number would be put on my account. I was told that my case was being forwarded to an account specialist. Even after my case was supposedly forwarded, I kept receiving the harassing phone calls, and each time, I told them that they had already broken the law by giving an unauthorized person my account information, and were breaking the law with harassing letters and phone calls despite all my efforts to right the situation. Through no fault of my own, this company is seeking to destroy my credit and destroy my life. I was recently diagnosed with XXXX and am having a XXXX. I may very well be XXXX. This callous, unethical and illegally performing lender should be shut down, if not at least fined into oblivion for what they have done to me and to other students who have fallen on hard times after graduating.
My name is XXXX XXXX. I have sent several Goodwill adjustment  letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thruXX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
This is my 3rd attempt to get resolution for deceptive practices of a company the FTC sued called XXXX XXXX AKA XXXX through the Credit Bureau Trans Union. They concluded their investigation and left both entries on my credit report and I have tried since XXXX to get this resolved. This is criminal to put duplicate accounts on my credit report and to make it appear as tough I have double the debt with this company who was sued by the FTC and to allow this to continue is really unethical and I am prepared to take this to every news media at this point because I have no help. Trans Union first denied receiving the initial dispute in XXXX XXXX, then when I filed a complaint with CFPB they alleged I had never disputed although I provided proof of the dispute. I then waited 30 days for them to address my complaint ONLY for them to leave both entries on my credit report after it was clear that this was impossible to have XXXX accounts with outstanding balances matching for the the same company XXXX. This is another attempt for XXXX aka XXXX to defraud consumers through the credit reporting and I would like to escalate this deceptive practice to the highest extent of the law! Trans Union 's investigation could not have found I have XXXX separate accounts so now they labeled both accounts with the same information but from a creditors standpoint this is like I owe {$46000.00} as opposed to {$23000.00} and is affecting my credit score overall. Please see attached documentation that confirms TransUnion did nothing except contact the fraudulent company and no other investigation as to why I have both listed on my credit report when I only had XXXX loan with the company that was sued for this very thing! Please see all XXXX pages of the attached pdf TransUnion left XXXX entries on my credit report and I do n't believe they can legally ruin my credit with this fraudulent company. This was a predatory loan to start that has now turned into I owe them more than my house!
In XXXX 2017 I purchased a service I did not get and the service I got, I was not satisfied with. I attempted to get a refund and Capital One sided the merchant saying I had to pay for the contested charge.
I had to use three deferrals for this pay day loan. The first one was due to a family member 's death, and I had to go home for the funeral. So, I did not have the money to pay them. The 2nd time, I was sick and off work for a while. I am paid hourly. Therefore, my check was short. They deferred it the 2nd time. I requested to pay a short amount the 3rd time because of the same issue as the 2nd. 

This past Tuesday, I called asking to make a shorter payment or an extended payment plan because I am on leave from work until XX/XX/XXXX, and I do not have to disclose these reasons to them. The account manager demanded I get a letter to them from somebody at my job. I work for a city legal agency. We may be part of the city, but we run as our own organization. The person that writes these letters is out the office until XX/XX/XXXX. They still want to run my account, after I pled with them to reduce the rate. the account manager is cold hearted and callous. In the last few months, I have dealt with death in the family, health issues both mental and physical, and to have a rude person demanding a letter because he doesnt believe me is down right disrespectful. I have taken out a loan from them twice and paid them off before the maturity date. So, if they were really looking at my history, instead of being rude and inconsiderate they would try and work with me, instead of trying to catch me up in a lie. I attempted to work a payment plan out until I could make full payments again. I did a good faith effort and my due diligence. They have hid my loan agreement online. I can only see my payment plans. I want to know my options. I have been able to work out agreements with most of my debtors, but this one wants to be inconsiderate. I placed a stop payment on my account because as I told them, I do not have the money. I am barely receiving anything and barely have family to help me make rent. It is truly sad that an account manager, whose money isnt even involved in this matter, it is the money of the company, could be so spiteful and instead of being willing to have some money come in or wait until a leave letter is able to be sent a few days later, insinuates I am lying. I demand them to stop calling me and an apology. I will be reporting them to my AG Office, as  well.
I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX   from the letter. XXXX XXXX has no information of me having a XXXX XXXX   account on my own, I have been on my mothers account of which XXXX XXXX  checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX   1XXXX XXXX XXXX XXXX MD, XXXX
A check was stolen from our checkbook and cashed for {$2000.00} by an unknown person. We alerted XXXX on XXXX/XXXX/XXXX before the check had cleared that this check was fraudulent. They did n't stop the check. 

After the check had cleared we filed a claim of fraud with XXXX. They informed us that we should NOT contact the police, that they would do an internal investigation and refund our stolen funds. 

On XXXX/XXXX/XXXX they denied our claim, stating that we " benefited from the funds ''. When we tried to contact the number they provided the XXXX representative refused to put us in touch with a XXXX who could explain this decision. 

We are seeking to have XXXX return our funds.
After receiving numerous solicitations from American Express to re-open my Platinum Delta Skymiles credit card, I finally decided to submit an application so I could receive the offer they were promoting. This offer was for XXXX delta miles and XXXX XXXX if I spent a minimum amount within the first 4 months ( as well as a {$100.00} stmt credit ). I called to confirm the offer and was told that I qualified since I had n't had this card in the last 12 months ( I had one previously but it had been 3+ yrs ). 

I met the qualified spend in the XXXX timeframe. It seemed to be taking a while to receive my points so I called to ask where they were. I was informed it takes a couple months so call back later. Since then I have called a few more times. They kept telling me to be patient and they would be posting any day now. 

On XXXX XXXX, XXXX ( today ), I called and was informed I have not received my points because I do not qualify for them. In addition to being misled by the marketing material I received, I was misinformed by all of the Amex CSRs. I was also charged the {$190.00} annual fee and have essentially received nothing for this when promised an intro offer. 

I escalated this complaint to 3 levels of managers at Amex and the only goodwill gesture they could make was XXXX miles which is insulting. I have hurt by credit score by opening another card and paid an annual fee and they can do nothing for me.
XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.
I sent several letters to Experian disputing erroneous information that I believe is the result of a relative. I asked Experian to provide me with verifiable information per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) including1 ) The name of the creditor ; 2 ) The person 's name that the dispute was verified with ; 3 ) The address ; 4 ) The telephone number ; and5 ) The documentation used to verify the dispute. 
I understand that per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) that Experian must remove the items in dispute if they can not provide me with this information. They did not provide the information above and did not remove the disputed items. In addition, I sent a letter from XXXX XXXX XXXX that states that they are adjusting the reported late payments that were in fact not late. After sending the letter twice, Experian still will not remove the derogatory information. Lastly, they are reporting a collection with a company called XXXX XXXX XXXX. When I personally investigated this, I found that it was reported under a completely different social security number! I explained this to Experian and they still refuse to remove the collection. It appears to me that no real attempt to obtain verifiable information was made by Experian. They simply acknowledged that the derogatory marks are mine.
I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made
LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
On XXXX XXXX th a representative from XXXX XXXX called me and was very rude and demanding I come to the office after I had already explained to them several time that I didnt have the money to make my payment at the time. They keep harassing me calling every day and I am under a credit management company trying to get my finances straighten out. They have refused to work with my debt company, I told them numerous times I was under debt management but they still continue to harrass me about my payment. I just want the harassing phone calls to end and for them to consider working with my debt management company on this debt. When I explained to the representatives that I was doing the best I could she basically told me I wasnt and she felt like I could pay and was refusing not too.
In reference to tracking number XXXX, XXXX opened a deposit account and funded by XXXX to pay the property taxes. Seterus changed it to a deposit account opened by Seterus and funded by home owner in violation of the terms and conditions of service transfer agreement between XXXX and Seterus. The reason XXXX did the way they did is that the mortgage is principal and interest payment only and they honored it. Seterus violated it. If Seterus argument that XXXX opened an escrow account based on XXXX crediting {$0.00} of my excess payment towards mortgage, they need to say so clearly and unequivocally. Seterus already admitted ignorance of what XXXX did and yet they claim they opened an escrow account based on {$0.00} credited to the deposit account...
I mailed my mortgage payment due on XXXX/XXXX/2016 on XXXX XXXX, 2016 to Nationstar Mortgage in XXXX XXXX XXXX XXXX California just as I have for the last 2 years. They are claiming they have not yet received it - when I called to discuss this matter I was placed on hold for over 10 minutes and then was disconnected. I can not get them to help me as I am convinced they have simply lost my payment.