WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 while at work at American Express I received a text message in reference to my American Express Serve Account stating my account had a low balance. I immediately called to check my account and was informed of many fraudulent transactions. I filed a dispute with American Express Fraud Department. My account was issued a temp credit for a partial amount of the amount disputed. A few days later I was informed that my disputed had been denied, American Express Fraud Department claimed that all the disputed transactions were authorized because they were PIN based. I informed them that the transactions happened in XXXX, AZ on days and at times that I was on the clock with American Express in XXXX, AZ. I provided prof from American Express payroll department to American Express Fraud Department and still they refused to resolve my dispute. American Express Fraud Department mailed me a letter stating the temporary credit issued was now final to use the money without concern, but the temporary credit that they were referring to was less the half of the disputed amount. I immediately called American Express Fraud Department and was told that part of the claim was approved and part of the claim was denied. I requested for the claim to be opened again and a few days letter they informed me that now the entire claim was denied. I have requested documents from American Express in reference to research done by American Express showing cause for the denial of the dispute and American Express refused to provide those documents.
This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX
I have attempted to exercise my equity on my student loans by requesting my original instrument of indebtedness from Navient. I sent written requests for my two separate loans on XX/XX/2018 and it was received by them on XX/XX/2018. I did not receive any correspondence from Navient. I then made a SECOND written request on XX/XX/2018 which was received on XX/XX/2018. I did not receive any written response from them. 

I have provided for them my current address and contact information in writing and I have changed my information online in their database as well.
I currently am upside down {$160000.00}. XXXX XXXX XXXX turned my second over to Real Time Solutions Collections Agency. The second is behind approximately {$39000.00}. After speaking to one the collection agency reps, she informed me that my loan was actually a XXXX loan and not a XXXX XXXX XXXX loan. I told her that this was not true because my coupons came from XXXX XXXX XXXX. She then changed her script and said that " XXXX XXXX XXXX is the Master Investor. '' I filed a complaint with a Legal Veteran Service who reached out to their legal department. I followed up on XX/XX/2016 and was informed that my loan was actually a XXXX XXXX XXXX. I called XXXX XXXX XXXX and they claimed that they could not find my loan, although I was told that if even if my loan was closed they should still be able to find it ; yet they were not able to find me in their system. I have coupons from XXXX XXXX XXXX. 
The collection agency brings up banks that were bought out by XXXX XXXX XXXX. I think that the agency is being misleading and not be forthcoming about this debt that came from XXXX XXXX XXXX.
On XXXX XXXX, 2016 I returned XXXX XXXX cell phone worth approximately {$650.00} by USPS with a tracking number : It clearly showed XXXX received the phone and even acknowledged receiving the phone yet they continued to say that i had not returned the phone. Then after repeated attempts to prove that i had returned the phone XXXX would not listen to me and said they were turninthe matter over to collections. Now XXXX has dramatically decreased my XXXX XXXX and has ruined my credit thereby increasing any item that I need to purchase by credit. Please immediately have them remove their false claim that I owe them for a phone that I already returned and restore my credit score. Please note that I also am filing compliant against XXXX with the FTC and the Consumer Financial Protection Bureau and the State of Oregon Attorney Generals office. When I called Oregon 's Attorney Generals Office they said that they have received numerous complaints against XXXX doing this very thing of taking peoples phones and then saying that the customer never returned it. Then they charge people for the returned phones. This has to stop. I informed the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX of these facts and they continue to harass me. Please note that this not a legitimate debt and please remove it from my credit report. Thank you. Please see below the automated email that I received from the FCC compliant I filed earlier today and their case #. Hi XXXX, Thank you for your submission. Your request has been received and assigned Ticket No.  XXXX. Throughout the complaint process, you will receive periodic emails updating you about the status of your complaint. If you have information to add to your complaint, please respond directly to this email. You can view a list of frequently asked questions at : XXXX XXXX XXXXXXXX. Your submission provides the FCC with important information we can use to develop policies to protect consumers, remedy violations of the Communications Act, and encourage future compliance with the law. Thank you for your help in furthering the FCCs mission on behalf of consumers.
I have repeatedly tried to contact AD astra recovery service about a unknown account on my XXXX, XXXX and XXXX  credit reports. I have no idea where this account came from and not has been properly informed. It is hurting my ability to apply for credit.
on XX/XX/2018 I submitted {$40.00} to my XXXX and XXXX visa card account dispute the cycle date update not being shown ( I did this in order to try to get ahead and not pay so much at the end of the month when payment is due ) I made another payment of {$110.00} on XX/XX/2018, 3 days before the payment date for a total of {$150.00} which was due at the time. 
on XX/XX/2018 I received an email about not making my payment, I just ignored as someone making a mistake, but just be sure I checked my account and was shocked to see that I owed a large amount although I had already paid for the past month and I immediate access my account website and start a chat in order to find out what was going on, the chat didn't work out due to tech issues. so once got home I phoned XXXX / XXXX and was told that I owed more them {$200.00} that was past due, I tried to tell the man that it was a mistake and was told that I had submitted {$40.00} before it was time to submit the amount, I was like what wrong with submitting a payment early and the call soon turned into a shout match on my part because I couldn't understand what I had done wrong. soon after I received a letter via the postal mail stating that my credit line had been decreased and I knew it was the early payment for the letter and decrease ( I don't care what they said about the credit reporting and other crab!!!! low score!!! etc. ) what XXXX / XXXX is during is illegally and not making sense, I want my {$750.00} credit line decrease to be restored plus all the so call late fee 's that I got hit with that totals almost {$400.00}. I tried once again to talk to XXXX / XXXX on XX/XX/2018 and was told in no uncertain terms to pay {$40.00} that was overdue and another {$220.00} by XX/XX/2018, the clerk I spoke to sounded like she was having fun at my expense, enough is enough!!! I been with XXXX for years and never had an issue until now ( synchrony bank  ). and always paid on time.
Person by the name  of   XXXX   XXXX   sa id he was an  investigator with the county I live in and said my name had come up in an investigation. Did not give the name of the debt collection agency. Called from number (  XXXX  )  XXXX  and told me to call him back at (  XXXX  )  XXXX . The first number is from  XXXX  and the latter number is from  XXXX , FL. This is illegal for debt collectors to do.
On XX/XX/2017 I faxed a dispute letter to Equifax regarding reinserting previously disputed and deleted addresses without notifying me of doing so in writing within 5 business days of reinserting them and they ignored my dispute letter. I have again faxed them a dispute today XX/XX/2017 but to ensure that they properly acknowledge my dispute I want to file this complaint as well. I received a copy of my credit report dated XX/XX/2017 with XXXX previously disputed and deleted addresses reinserted on my credit report. I am requesting that they REMOVE ANY AND ALL INFORMATION THAT HAS BEEN PREVIOUSLY DISPUTED AND DELETED ESPECIALLY SINCE THEY HAVE NOT NOTIFIED ME OF REINSERTING THE INFORMATION IN WRITING WITHIN 5 BUSINESS DAYS THEY ARE CLEARLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Hello, In XX/XX/XXXX I purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX
I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.
Hello, I apply online for HSBC US BANK BONUS offer of {$350.00} the rules and the terms of this offer is to deposit {$10000.00} in new money keep the money on the account for 90 days from the day you deposit the fund than wait 60 days after that to get the {$350.00} bonus deposited directly to my checking account so I did exactly according to the bank rules I open a checking account on XX/XX/18 I funded the account with {$10000.00} on XX/XX/18 I waited 60 days before I touched the money I waited more than 60 days after I met all the requirements I call the bank customers service many times asking them about my bonus they offer to the consumer when they meet all the requirement they informed me the only thing they can do is to put inquiry about the issue to the back office and I have to wait for the respond I waited 5 months and 26 days and nothing happen I got zero. One girl called me from HSBC customer service she told me I was denied the bonus and she couldn't tell me the reason why I was denied the bank just denied me for NO reason or any explanation whatsoever BASICALLY HSBC bank took {$10000.00} from me and they invested it for almost 6 months and they gave me ZERO DOLLARS THEY BROKE THEIR PROMISE AND THEY DID NOT HONOR WHAT THEY ADVERTISE ONLINE OR AT THE BRANCH I THINK THIS IS NOT FAR FOR THE CONSUMERS TO BE TREATED LIKE THAT BUY GIANT BANK TAKING MONEY FROM HARD WORKING MIDDLE-CLASS PEOPLES AND THEY INVESTED IT IN THEIR PROJECT TO MAKE MILLIONS AND THEY GIVE THE CONSUMER ZERO DOLLARS I THINK THIS IS A TYPE OF SCAM
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$500.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$130.00}. Despite having paid {$130.00}, my online account shows I still owe {$560.00} on a {$500.00} loan. This is outrageous! If I pay another {$560.00}, I will end up paying {$700.00} on a {$500.00} loan. That is {$200.00} in interest. 40 % interest!!!!! This is predatory and greedy. There is no where on the website to view any loan documents which is deceitful and misleading. This must be illegal!!!!! 
Since I have paid {$130.00} on a {$500.00} loan, my balance due without interest is {$360.00}. In South Carolina, payday loans can only charge {$15.00} per {$75.00} borrowed. Since that is my state of residence, I should only have to pay {$75.00} in fees. I should have a balance remaining of {$430.00} NOT {$560.00}. 
Since XXXX XXXX XXXX has not been transparent in its information and is a greedy, predatory payday loan lender, I now want to reach a settlement to pay off the {$430.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$39.00} on XX/XX/XXXX I will make my  payments via check mailed to XXXX XXXX XXXX. I have revoked XXXX 's authority to automatically take money from my checking account.
This is my second complaint about XXXX XXXX and their associated law firm. My first complaint was settled. However, the tactics at which these individuals use to settle their debt is concerning. I originally filed a complaint in late XX/XX/XXXX. I received a response letter dated XX/XX/XXXX. I first received original correspondence in XX/XX/XXXX of which I did not respond initially, as I thought this was a scam. I will admit that I did not remember signing up for a credit card at first, but then I was doing some research on my own. On XX/XX/XXXX at XXXX CST there was a knock at my door, which is in a secure apartment complex so I am not positive as to how this person gained entry, I answered and he handed me papers and walked away. These papers contained nothing but the file number, bland information as to what I was being charged with ( which was a shock to me as this was the first I was hearing of potential court issues ). Email correspondence between XXXX XXXX XXXX and I happened on XX/XX/XXXX ; I was reaching out to XXXX about any settlement opportunities that may be available. He responded asking for a good phone number at which I could be reached, I replied with a phone number and told him the best times that I could be reached to discuss. After, I received no further emails or calls. On a letter dated XX/XX/XXXX I received an offer letter from XXXX about an offer to settle the claim against me for {$420.00}, the letter included a website to where I could pay online. I received a letter in the mail in early XX/XX/XXXX containing an order from the XXXX County court letting me know that an action was filed on XX/XX/XXXX against me. The letter contained a file number that the state has for this judgement, however no such court dates. After receiving this letter, I decided that I should pay the amount that I owed and I would move on. I submitted a payment for {$590.00} on XX/XX/XXXX using their website, the funds were deducted on XX/XX/XXXX from my bank account. I then called their office on XX/XX/XXXX requesting a receipt be sent to me, the individual I spoke with said that I should be receiving it within 3-4 days and the letter would be sent out that same day. After waiting over the time period, I then called again requesting a letter on XX/XX/XXXX and they said that one would be sent out and they did not see my first request. As of XX/XX/XXXX I have not received any correspondence from the company, I also have submitted online requests for contact and they have not been fulfilled. I have requested a receipt and would like them to remove this from my credit report. Due to their lack of professionalism in this matter, it has caused increased stress in my life upon fear of a lawsuit that I am not sure is even happening. They have not been fair in trying to resolve this matter, and I can say that I would have rather reached a compromise than have been threatened with legal force. I do have supporting documents if they are required. Thank you for your attention to this matter.
On or about XXXX XXXX, I begin monitoring my credit scores from TRANSUNION. My scores have continue to drop, with no justification for such a drastic drop. TRANSUNION is the only credit reporting agency that continuing reporting very poor credit scores. 
On XXXX XXXX, XXXX, I received the lowest credit score ever reported. TRANSUNION continues to be non responsive to many disputed letters and even has been non responsive to a complaint submitted to Consumer Finance Protection Bureau. It has been noted that several creditors have reviewed credit scores received from TRANSUINION, resulting in several creditors denying approval on great credit rates. TRANSUNION continues to label me as a high risk or bad risk with no justification. Why is the system allowing TRANSUNION to continue to degrade me, why are creditors continuing to accept what TRANSUNION report as gospel. Why is the Consumer Finance Protection Bureau or the organization that oversees credit reporting agency 's actions allowing them to continue to report very poor /poor credit scores, without justification? The other credit reporting agencies have shown great improvements in my credit scores. 
Having reviewed latest credit reports I found that there is very little differences in what each agency is showing on credit reports.
Hello, I need help. Wells Fargo claims I have a delinquent payment, but I have had auto pay on my account for 12 years and never missed a payment. They continue to claim I owe it and call constantly to collect. I have asked them to tell me the payment I missed, and I would pay it. But they can not. My complaint has been open for over 100 days, and sent to XXXX escalation departments. But no one as been able to tell me what date I missed my payment. And now they are not returning my calls at all
I called to cancel my American Express Delta miles card. I talked to XXXX from XXXX Florida. I asked her to close my account and she responded by telling me that if I close my account they would take back any bonus miles that I received as a promotion. When I asked what would happen if I used the miles already and didnt have any left. She informed me that they would charge me for any bonus miles that were given to me as a promotion. This was false and miss leading information, and I told her that I want to see that policy in writing. She said that it was not in writing and that it was at the discretion of managers to make this kind of decision. I believe she was using a fear tactic to keep me from closing my card. Had I not known more information credit card companies or been less confident, I might have been afraid to close my card. I asked her to Close my card and transfer me to a manager, where I left a message on the voicemail. I have not heard back from American Express about this misleading practice.
I purchased a debit card loaded with {$150.00} from www.netspend.com. the card said ai had to call a number to activate it. After XXXX tries the recording said there was a problem activating it. I spoke with XXXX woman from whom I was disconnected. Another man connected me to a supervisor who told me the card was limited to instore transaction which I did not want and he could n't fix it, claiming it was irreversable. I was trying to get information and he hung up on me.
Ocwen Loan servicing has now sent me another set of duplicate responses to my previous claim in which I requested that Ocwen send me copies of the document they say they filed with the County. 
It really amazes me how a financial situation can openly mock the system. 
Ocwen has sent me a release that was issued against a different apartment I owned up until XX/XX/2015. Which by the way, the crook investors Ocwen represents, grossly took away from me. 
Now investor and/or Ocwen wants to claim that that is the document they filed for apartment XXXX??????