WillisBack/dataset-financial-user-claim huggingface dataset:
We started our lease with XXXX XXXX XXXX in XX/XX/XXXX on a XXXX XXXX XXXX. Initially, their promotion was that XXXX will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted XXXX to make sure they would make the first payment. XXXX claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with XXXX XXXX XXXX ( they have documented comments ) and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days ) payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming XXXX made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with XXXX as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with XXXX? Thank you.
I have been charge 11 overdraft by Comerica bank, they manipulate the transaction in a way that this happens. They show me on the app that I have the money I spentwith my card and the next day they show their charges as they were charge into my account the day before I spend my money that showed me available. I know I am responsable for the ones that cause me two overdraft but not for all the other ones they are charging me. It just does not have any sense me causing me 6 other overdraft for XXXX-18 -XXXX dlares that a spent when in my account said they were available and they dont understand that all they said is that is not bank error. I have tried to talk on the phone with people I went to my branch manager and they dont even try to listen or understand that just because Im therir sistem shows no error. They even charge you overdraft if an overdraft causes another overdraft and it goes on an on if you dont have the money. Is not fair!!
As of last XX/XX/XXXX-XX/XX/XXXX, I have been trying to dispute several account showing under my name and Credit Bureau keeps reporting, XXXX XXXX  {$250.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX Paid in full/Satisfied Experian reporting negatively XXXX XXXX XXXX {$1000.00} XXXX   XXXX- PAID as of XX/XX/XXXX.
To Whom it may XXXXoncern, Name : XXXX XXXX XXXX ; Credit Card number : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX Delta Skymiles as it was advertised on the American Express website. I did apply and was approved and I did spend {$3000.00} to full fill the terms of the bonus points but instead I got only XXXX Delta skymiles. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX XXXX Skymiles online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking American Express to honor their promise and honor XXXX XXXX Delta Skymiles. Please see below what American express had regarding their bonus offer : XXXX SkyMiles after spending {$2000.00} in three months, {$XXXX} statement credit after first XXXX purchase in the first three months. Plus, earn an additional XXXX bonus miles after spending an additional {$XXXX} in the first six months. 

Thank you for your time, XXXX XXXX XXXX
I recently received a notice from Capital One that my account was closed due to inactivity. I didn't receive any prior warning that this was going to happen. I called to reopen my account since it is my oldest revolving account. I've had the card for at least 10 years. The customer service representatives was nice about it but refused to reopen the account due to company policy. I asked to speak to a manager and received the same response. The only option they could give me was to apply for a new account which would reset the age of my account and impact my credit score. This was my oldest line of credit. I've never had a late payment over the life of the account. In fact, this account is the main thing I used to build my credit. I understand that they have the right to close an account at any time but I find it hard to believe that the company would be this inflexible regarding reopening the account. Due to this inflexibility, they have damaged my credit score and lost a customer. At this point, I just want others to know that they should avoid their services as well.
I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. 
I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened.
I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.
I applied for the Citigold Checking account with the promotional XXXX AAdvantage Points after completing all the requirements. I completed all the requirements and waited after statement closing of 90 days and still have n't received my bonus points added to my AA account. I contacted the company by phone and via chats several times already and each time they said I will get a response within the next day and I still have n't yet. I 'm beginning to think this was a scam.
I sent money to the bank XXXX XXXX XXXX in XXXX to buy a house with XXXX XXXX in XXXX. The date of this international wire transfer was XX/XX/XXXX. This company/Realty Agency, XXXX XXXX, said that they received the money of {$130000.00} ( in XXXX XXXX ) on XX/XX/XXXX, but they returned that amount to me on XXXX. The reason for the Return/Devolucin was : they wanted me to send it again to another account ( the one that I opened in XXXX as a XXXX ). I am an American citizen and the bank from were I did the international wire transfer on XX/XX/XXXX is TD Bank. 

I have no way to know for sure if what the Realty Agency XXXX ( represented by XXXX ) says is true. I have a letter from them, but how can I tell if this document is real? According to XXXX, the return of the money ( XXXX ) really happened, but the bank XXXX in XXXX, XXXX, ca n't tell her were it is. The bank XXXX ca n't trace it have not been very helpful in this matter. For this same reason, XXXX, from the XXXX XXXX, ca n't give me any information and certainty about date when I will get the money of the Return. Direct Consequence of this, I ca n't go to XXXX for the closing of the house. 

Here some information of the bank in XXXX, XXXX and in regards to the recipients account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Recipient 's Account : XXXX ) I called to XXXX in XXXX, XXXX, today XX/XX/XXXX, because I started to feel very nervous ( You never know if the people involved in this transaction can be involved in some criminal activity. I hope not, but ... ) I told to the XXXX bank in XXXX that I was a customer and that I have a document Letter of Return/XXXX to see if I could trace the money. They said to me that they ca n't do a trace. I try every kind of argument ; I try to find more help, such as finding an office from the bank XXXX in XXXX that deals with urgent matters like mine, or with an untraceable international wire transfer. 

In the other hand, here in NY, after XXXX attempts with the TD Bank from XXXX, from were I did the transfer on XX/XX/XXXX, I decided to go to a different TD Bank, XXXX close to my job in XXXX. I went today XX/XX/XXXX to the TD Bank in XXXX XXXX and XXXX XXXX. Finally, on my XXXX attempt trying to get some hope and information, this branch in XXXX were able to do a Request and investigation regarding this international wire transfer ( XX/XX/XXXX ) and possibly about the Return of that sume of {$130000.00} ( XX/XX/XXXX ). The people who helped me are XXXX XXXX and XXXX ( XXXX XXXX XXXX ). The information related to the request of investigation to trace the money is : XXXX ; XXXX XXXX is in charge of this case. Here phone XXXX ) Both banks CA N'T TELL ME RIGHT NOW WHERE THE MONEY IS. PLEASE, HELP ME TRACING IT IN CASE SOMETHING CRIMINAL IS HAPPENING WITH REALTY COMPANY, XXXX XXXX in XXXX, XXXX. Thank you
My  Chase account  was never closed as a cancellation of debt according to a received  XXXX  from them. IRS added this amount to my   XXXX   income tax and I was obligated to pay additional taxes.
The credit reporting agency is reporting XXXX XXXX  on my credit report this is not my account
I have XXXX bank accounts with Chase bank -- XXXX checking account and XXXX savings accounts. I recently got married ( in XXXX 2016 ) and called Chase to see what I could do in order to change my name on my bank accounts to my new married name. The instruction I received from customer service was to go into a branch and present my name change documents. The problem is that I live in Tennessee and there are no Chase branches in the state. I asked for the alternative process and was told that I could receive a signature card and letter in the mail ; I would need to sign the signature card and provide the copies of my name change documents through the mail. This sounded reasonable, as it was the same procedure as visiting the branch, just through the mail. The next day, I received a phone call from a supervisor who told me that the letter would not be able to be sent to me until the Research Department approved it. It has been nearly a month and the Research Department still has n't addressed my request. Every time I contact the bank via online message or by calling, I am told there is nothing they can do to help me. I was told that one of the hang ups was the fact that my son is joint with me on one of the savings accounts and he would have to provide an ID in order for the Research Department to consider allowing me to submit my name change documents. He is a minor and does not have an ID. The bank did not require him to have an ID when we opened the account -- that is why I am on the account with him. I do not understand why his ID ( or the approval of a minor ) would have anything to do with me being able to change my name because I got married. Coincidentally, I called customer service today -- because I got the message from online banking that they could n't help me and referred me there -- and closed the account on which I am joint with my son. I closed the account OVER THE PHONE, without any approval or correspondence from him! That makes absolutely no sense! 

My issue is that my bank accounts have my maiden name. My legal identification has my married name. I tried to use my bank card at a merchant and was asked to present identification to validate my authority to use the card. The identification I presented did not have the same name as the bank card. I was accused of potential fraud for using another person 's card -- but, it was my own! All I want to do is change my name on my bank accounts and the bank will not allow me to submit any documentation to do so. The closest branch to me is XXXX miles, one way. That seems egregious to request that I drive nearly XXXX miles round trip -- just to change my name on my accounts! 

Please help me with this.
Last XXXX 2014 Nationstar fraudulently started foreclosing on my home in and returned my payment that has since been resolved with a modification. Now I was going to open a new account with a local credit union and my score has dropped XXXX point due to Nationstar say I have XXXX-XXXX day lates from XXXX and XXXX of 2014 which I was not late they falsely started foreclosure. This will now cost me more in interest on a car loan, insurance and credit. Nationstar should have fixed this problem when they figured out they had made the mistake. There are no XXXX or XXXX day late payment on my repot so how did I get XXXX non sequential XXXX day late payments?
On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my WXXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
We applied for the Wells Fargo FHA XXXX in 2014. Our situation changed during the trial period and we were sure to submit all documentation to adjust our modification. Before we accepted and entered into the agreement for the terms of the trial period, I received a package explaining the terms. However, the documentation was not clear on the credit reporting after the trial period. So I called our Wells Fargo home preservation specialist to find out what happens to the credit reporting after the trial period. She explained that during the trial our credit would reflect late payments but once we successfully complete the trial period our credit will be updated to show that we were not late on any payments and that we were under a trial period. After successful completion of the trial our credit was never updated and I have disputed this with the credit bureaus as well has written a letter to Wells Fargo. Someone from the Wells Fargo Executive Resolution Customer Care and XXXX XXXX did contact me but informed me of the opposite. That our credit would be reported on-time moving forward not retroactively. I explained to him that this is not what was communicated to me initially and they I would not have agreed to those terms because I have a career that is effected by my credit. I was unable to resolve this issue with Wells Fargo. Furthermore, they failed to provide clear information on consumer reporting and this has negatively impacted my credit.
On XX/XX/XXXX I received an alert that I have a " flagged Collection '' from XXXX XXXX XXXX on my Experian credit report, for XXXX. On the XX/XX/XXXX I made a complaint against this company for harassing me for a debt that I do not owe them. The " balance '' they are referring to for this particular account was with someone else and that company has been paid in FULL before this was reported to my credit report. I am sending this complaint to report that Experian has allowed this company to report FALSE and fraudulent charges to my report and has NOT validated this debt, because if they did hey 'd see that I do not owe it. They have placed this account on report in revenge of me disputing it with them in writing. This is the THIRD fraudulent account that Experian has allowed them to place on my report without VALIDATING. They allowed XXXX XXXX XXXX to place a debt on my account on XX/XX/XXXX for a debt that they have said was obtained in XX/XX/XXXX but have the remark listed " included in bankruptcy " well how is it that you have bankruptcy listed for me completed in XX/XX/XXXX but accepted a collection " included '' in that said bankruptcy dated a year later. How is that legal??? I want all these fraudulent accounts off of my report. I have contacted you multiples times regarding this company so I have no choice but to take it as far as possible that I am rightfully allowed to. I have attached some documents that this company sent to me which in BLACK & WHITE and proves I do not owe them ANYTHING, and the " debt '' they have me listed under belongs to another company dated from XX/XX/XXXX and 2. that they legally should not have been able to place ANYTHING on my credit report. 3. I have sent Experian certified letters requesting copies of documents used to VALIDATE this debt and they have YET to send me anything validating it or proof of any sort. They are just brushing this all under the wrong and its causing deformation of MY character. If Experian did have docements supporting this then it would have NEVER been placed on my report to begin with seeing as thisndebt was sold illegally AFTER discharged in that said bankruptcy. This is ridiculous.
Debt was paid by XXXX health care department. The debt was paid in full and was never my debt.
I contacted this company last year after finding their trade line on my credit report, They told me then it was invalid when I asked for verification. They said they would remove it, yet it still sits on my report and now they are calling me and harassing me about it. 

The trade line shows a date of XX/XX/XXXX for a XXXX store. I 'd like to know when and how such a debt came into being considering I 've never had a credit account with them and still buy from them all the time and they have never said anything to me about any alleged debt. 

Furthermore, I disputed this alleged debt with the credit bureaus and this company is still calling me. No verification on their part, still. 

My next move will be to pursue legal action against this company.
To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Ameritech Financial stated that they could help me with lowering my monthly payment with the federal loan agency, that I would still have my payments counted under the loan forgiveness plan and they would be happy to take care of the communication with them directly to process everything. It sounded like they had a great partnership working with one another to help hard working Americans help pay off their student loan debt a little more easily. I made 6 months of payments to Ameritech and none of those payments went to my federal loans nor was the 6 months count towards my loan forgiveness plan. Something told me to check with the federal student loan agency directly and that is when I learned that they were not getting any payments nor were those payments being counted for loan forgiveness.
In XXXX 2016 my credit card was charged {$1600.00} on my XXXX account for a delivery made from XXXX. My credit union cancelled the card and subsequently closed its investigation of the case in XXXX 2016 affirming to me in writing that a merchant error was made. In XXXX 2016 I received a collection invoice from the XXXX XXXX XXXX for the disputed debt. I followed the dispute process ( responding in writing upon receipt of the notification ) and received a letter ceasing collection efforts dated XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a collection notice from Transworld Systems Inc. for {$1600.00} plus collection fees {$220.00} for a new total of {$1800.00}. I called XXXX to inform them of the notification and they told me to call Transworld Systems Inc. and to reference their invoice number in order to access an email that XXXX would place in the XXXX accounting system regarding my account -- -apparently to bill the correct account. I called Transworld Systems Inc. and spoke to XXXX XXXX and she accessed my account and stated that I had been billed in error. She had information on who sent the order and who received and signed for the delivery ( a company from XXXX to a company in XXXX, KS ). I called XXXX back to report my communication with Transworld Systems Inc only to be shuffled from one section to another ( recovery to billing to fraud ). I called Transworld Systems Inc. this morning at XXXX MST and spoke to XXXX XXXX ( XXXX ) and she stated that Transworld Systems Inc. has closed out the collection process on me and my account citing that XXXX billed the wrong account. XXXX XXXX stated that I should not be receiving any further collection notifications regarding this false debt claim. 

XXXX billed my account/credit card for this shipment. XXXX continues to send this disputed debt to collection agencies without due diligence to accounting protocols. I have called XXXX XXXX, XXXX ext. XXXX, and emailed ( at XXXXXXXXXXXX ) this XXXX agent handling my case and have not heard back from her. XXXX has not corrected its files and continues to pursue me for a debt that I did not incur. They are not responsive and their actions constitute fraud.
Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
We had an auto loan with First Niagara Bank and without our knowledge, the loan was purchased by Keybank. Our payments were made electronically to First Niagra every month on time. In XXXX of this year, we got a letter in the mail from Keybank stating we were in default. I called Keybank and spoke to a customer service rep and he asked me to email him a history of our payments and proof that we made to XXXX payment to First Niagara. I did just that and we continue to get multiple calls each day. We then went to a local branch to deal with them. We met with XXXX, the manager of the local branch and gave her copies of all the documentation. She stated she would take care of it. It has been close to a month since we met with her and she is now avoiding my calls. We do n't know which way to turn.
See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX Bank Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.
I applied for an Amazon credit card about 5 months ago and Chase approved that XXXX, but denied my application for a Chase Slate credit card saying I applied for too many credit cards within the last 24 months. So I tried to get a Slate card within this new year of 2016 and the denied me again and now my credit score will have a big ding on it and I have good credit. ( or did ). I would think this new year would be not involved in the past 24 months and I feel it is very unfair for Chase to include my new application in it! Does the fact you have good credit not mean anything to Chase Bank!!?? As long as your credit is good and you have been paying ALL your bills on time, it should n't matter how many cards you apply for. NOW my credit score will go down for NOTHING!!