WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained an American Express Platinum Card that had a bonus of XXXX points after spending {$3000.00} in 3 months. 

I completed the spending and received the XXXX points. However, American Express has frozen the points on my account and it has been close to 2 months since my points have been frozen without any notification as to when they will be unfrozen.
I sent 200 dollars to XXXX for my mohter using Western Union on XXXX, after XXXX attempts to collect i called Western Union XXXX XXXX who indicated it was best to cancel the transfer. It was canceled over the phone but i never got a refund, after XXXX calls to their customer support, today being XXXX, i have ran out of options, so i 'm filing a complaint here. The money transfer was charged to my bank account despite the cancelation, and Western Union has n't been able or willing to provide a refund for a service it never rendered.
Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Debt has already beeen charged off an company still trying to collect afetr debt has been sold or appropriated or reolved.
This debt is XXXX and has been paid. It is illegal to sell debts in this manner and try to collect beyond a statute. 
I want this removed immediately
This account was turned over to Fox Collection Center even though it had been include with a Chapter XXXX Bankruptcy and the Bankruptcy was discharged.
Seterus, Inc. ( XXXX ) falsified by credit report by reflecting no data for several months when I had paid every monthly installment due. When I was unemployed & could no longer pay, they modified my original loan to worse terms not disclosed. They continue to process payments extremely slow, attempting to cause late fees to be earned. In XX/XX/2016, I sent every payment certified, return receipt-it took a minimum for payments to be processed. They do not allow me online access to see any of my mortgage details. They are the WORST COMPANY AND XXXX pays them to be a provider!!!!! XXXX does not respond to any of these issues but MUST AGREE WITH THEIR BUSINESS PRACTICES..
5 purchases were made from a company through paypal. Purchases were made on XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$32.00}, XX/XX/XXXX for {$26.00}, XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$30.00}, and XX/XX/XXXX for {$30.00}. The purchase on XX/XX/XXXX was switched for paypal to paypal credit by paypal. By the time I received the late payment notice by mail in XXXX the charge for the {$29.00} item had accrued to {$98.00} with the difference being interest and fees. 
I have contacted paypal credit and requested the XX/XX/XXXX transaction to be processed through paypal as were the other transactions. Paypal has billing information needed for payment. Paypal was  contacted or has contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Each time I have requested the XX/XX/XXXX transaction to be completed through paypal as the other transactions were completed. I have told them I will not pay the interest and fees.Following the payment all accounts are to be closed out with paypal.
The Mortgage Electronic Registration System ( MERS ) shows that I have an active loan with Bank of America ; however, that loan was transferred and has been inactive since XX/XX/XXXX. I 'm in contract to purchase a home, which was supposed to close escrow on XX/XX/XXXX, but because Bank of America will not update MERS to show the prior loan as inactive, I am unable to secure a new loan.
The collector SHOULD NOT be contacting me, as the original creditor has previously been notified about a household member currently going through a medical hardship. I have also advised the collection agency to revert the account back to original creditor, as original creditor is SUPPOSED to have notes on file in regards ongoing medical hardship.
This is the fifth time my family has complained about this fraudulent, predatory lending practices loan y Wells Fargo. This is loan # XXXX, XXXX. The new information we have is the company sent us a response letter and they are calling this loan a Conventional type loan. This is a ( DIY ) or Daily Simple Interest loan that we still owe XXXX on since XX/XX/XXXX. Well Fargo took over servicing this loan from a company that was found guilty in the sate of Ohio for these type of loans. During the transfer of the loan Wells Fargo bought all the fraudulent loans for XXXX but did NOTHING to make things right with our loan, e.g. change the terms to meet proper federal lending guide lines. We requested and received our account history back to XX/XX/XXXX and found Wells Fargo guilty of not reporting our on time payments that were being held as unapplied. Furthermore, none of the money was applied to our loan in the amount of XXXX. Lastly, on their recorded line I got them to omit they falsely had our account as late and charged XXXX per month. This has been fixed we think. We have dealt with and pleaded with over approximately XXXX to XXXX different representatives. Right now its XXXX XXXX or XXXX XXXX or XXXX XXXX. Finally, we have requested all HUD-1 's and appraisals since early XX/XX/XXXX and still have not received them. We get 2 letters per month saying that we need more time to research and find the information. Please do something with this Fraudulent company who just had their CEO step down. XXXX!
you are engaging in identity theft, and you are engaged in illegal debt collection action, both actions have been reported to the federal government, the federal trade commission and CFPB, and you are to cease and desist, terminate any and all collection actions and transferring to third parties anything that is my personal information, further. Until you contact me with the proper sworn information or contact the government regarding the pending cases. You are in violation of federal, criminal and civil law, so act accordingly. Please reference that a new updated deed has been recorded, do not interfere with any property rights further.
The law offices of Alan R. Mege Attorney ID # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX has purchased my debt from XXXX XXXX XXXX XXXX the debt originated with XXXX XXXX XXXX XXXX. The law offices of Alan R. Mege are now trying to sue me in small claims court for the amount owed on the debt however under the original consumer leasing agreement which he is using as exhibit A in his case it clearly states this is not permitted in the binding arbitration agreement and reads as follows " You and we agree that any claim or dispute arising from or in any way related to the agreement must be resolved by binding arbitration in the state where you live instead of a lawsuit ''. I was never even offered the arbitration as an option nor received any communications from the law firm to set up any such arbitration. Secondly Alan R. Mege is in violation of the fair debt collection practices act which states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between myself ( alleged debtor ) and the collector ( The Law offices of Alan R. Mege ) no collection can be sustained. His complaint is for the amount of {$1100.00} plus a {$750.00} legal fee the original debt dates back to XX/XX/XXXX. I am hoping you can assist me with this issue as the law firm is the 5th owner of this debt and as mentioned above not entitled to collect these monies thank you in advance for your help and feel free to contact me for further information if needed.
Sincerely, XXXX XXXX
I am the executrix of my mother 's estate. She died almost 3 years ago.. She has XXXX accounts at XXXX XXXX Bank XXXX I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent 6 hours and 36 minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the 6 hours and 36 minutes I had contact with XXXX people and total conversation with each was about 5 minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. 
It is impossible for me to get help with this. I have tried and tried. I have heard nothing back from the first complaint I filed.
I have had an account with Bank of America for about 10 years. In those 10 years I cant tell you the number of times Bank of America has purposefully posted transactions to make me overdraw so they can charge me a fee. I was part of the class action law suit years ago but for some reason I continue to bank with them. This past Sunday XX/XX/XXXX I was overdrawn by {$6.00}. I do not drive and the bank is across town. I was told if I do a mobile deposit for {$7.00} it would bring my account current and avoid overdraft because nothing is processed until Monday. Which I did. Monday morning my account didnt have an overdraft fee so I assumed I was good. Monday night I received another deposit of {$400.00} to my account. To my surprise, Tuesday morning XX/XX/XXXX, I was also charged {$35.00} for an overdraft which should have been covered by the check I deposited Sunday as advised. Even if that hadnt cleared, the {$400.00} Monday night should have covered it. Bank of America is still lining up transactions in a way that debits before it deposits so they can charge you a fee. I called the company and sat on hold for over 30 minuets while they played a recording that still waiting for a manager XXXX XXXX, hopefully it wont be too much longer which I could tell was a recording and not even a live person. I was placed on hold and left on hold with no intention of a manager picking up. Bank of America apparently didnt learn after they were sued not to do this to people anymore.
I just received a notice from Chase advising that my property is in risk of foreclosure and that my debt owed is {$9400.00}. They also claim my loan is 63 days late. I have made payments every month
A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam.
I am addressing your agency because there is Public Record Information on my personal credit profile that I am challenging as inaccurate in its filing. The case was a voluntary dismissal. " Dismissed '' means that it is adjudicated by the law and therefore not recognized as a completed or satisfied filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By what right does the credit reporting agencies hold my identity and credit under " Consumer Lock '' for 10 years when it does n't exist? I approached the Bankruptcy Court and they confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete XXXX 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
I was looking to my credit score this morning and amazingly I saw this hard inquiry on my report about capital one on XX/XX/XXXX and I never tried to apply for a credit or loan from that bank at all plz help me
my student loans have increased from XXXX, to XXXX, XXXX XXXX dollars and the school i attend was no where near this cost and i was in the military but some how my loans how still went up i do n't feel like the loans being billed are mine. also i am a XXXX vet and still interest or some charges are causing an increase. i cant tell where the charges are coming from.
I filed a previous complaint about Barclays Bank because their records were in such bad shape that I could not get anyone to discuss my charged off account so that I could settle it. ( They thought it was with a collection agency, the collection agency said it was still with Barclays, this went on despite many many phone calls trying to find someone who would accept a payment ) My previous CFPB complaint prompted action from their president 's office to fix those issues so that I was able to enter into a settlement agreement. I paid the amount required by the settlement agreement by XXXX XXXX, 2015. I was told the credit reporting would update on XXXX XXXX to show that I no longer owed a balance to Barclays. 

However, on that date, they only took off the payments I made. They are still reporting that I owe them approximately {$3000.00} even though under the terms of the settlement agreement I owe them nothing and the balance should be XXXX. I attempted to call, and spoke with a regular customer service representative and then a supervisor, who XXXX said the balance would NOT be updated. 
Barclays is either refusing to abide by the terms of our settlement agreement, or its employees are simply not competent enough to update things correctly. This needs to be updated asap because I am in contract on a home purchase, and it can not go through while the lending bank thinks I owe money to Barclays.
I had a credit card which I was unable to make the payments due to unemployment. So the account went to collections and Frederick J. Hanna got the account. So they served me papers around XX/XX/XXXX or XX/XX/2015. So I acknowledge that I owed this debt and would start making payments by signing and getting a form notarized stating I do owe this debt. So I began making payments. In XX/XX/XXXX I set up a payment plan in the amount of XXXX $ /month before that I had pay off the debt by XXXX . There was an additional XXXX $ added for court charges make a total balance of XXXX. Once my payment plan was set up it kept getting cancel for some reason which they would not tell me. So XX/XX/2015 I was upset that they still was sending threatening letters of bring me to court accusing me of not making payments when I was. I just pay the total balance of XXXX over the phone and I received a confirmation number. They took it out of my checking account twice so a total XXXX instead of the XXXX that I owe. Now I ca n't get in touch with anyone none of the representatives will come to the phone. I did my part but I feel like now I 'm being con out of my money. I 'm a XXXX and am trying to move to start a new job. I really could use every dime I have so I do n't wish to be taken advantage of. I used the credit card I ran up the charges I understand and will pay what I owe. But I do n't understand why they are trying to charge me twice and adding additional charges. There need to be some sort of action taken against this firm because of the harassment, threats, and trickery is despicable.
I filed a dispute with XXXX onXX/XX/XXXX confirmation # XXXX and Experian # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXXand that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigation XX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results todayXX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.