WillisBack/dataset-financial-user-claim huggingface dataset:
I received an American Express Delta Skymiles promotion in the mail that offered me XXXX miles if I spend {$1000.00} in 3 months. I signed up for the card online and was approved When I received the card in the mail, the welcome kit mentioned nothing about the promotion I had signed up for and was approved. I called American Express and asked for the details of the promotion and confirmation that I will receive the XXXX miles once I spend the {$1000.00}. The first couple phone calls I was reassured that I will receive the promotion benefits and they would send out a welcome kit saying so, I never received anything in the mail. My final phone call was XX/XX/XXXX when I was told that I won't be receiving the promotion because I had had an American Express card before. Then I was told by the supervisor that the promotion wasn't even from American Express but was from Delta. So now they are just full of excuses to avoid holding up their end of the deal and giving me the promotion. Just to note, This promotion received in the mail was addressed to me and it included my Delta Skymiles number. Whether this was a promotion from American Express or Delta or a joint promotion, someone needs to hold up their end of the deal and do what is right. I expect the promotion offering me XXXX miles once I spend {$1000.00} to be sent to me in writing. Thank you,
On or about XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX stating I owed them XXXX. 
I responded with a debt validation letter request sent on XX/XX/XXXX. In that validation letter I requested to see the original contract with my signature on it binding me to this debt. 
ERC did not respond by sending the original contract with my signature but instead with a bill that that appears to be fraudulent. I have used a red pen to specifically point out the inconsistencies in the bill received. The bill amounts, the fonts, dates, inconsistent information and formats are different from each other. 

I want ERC to be mindful that I reserve my rights to file charges and complaints with FTC and appropriate county, state and federal authorities if the documents received are willfully and deliberately misleading and false.
My account has been locked for over 13 days with zero  response from Coinbase after raising a support ticket immediately. Have also tried XXXX their support XXXX  account with no response. Also impossible to get through to their phone support line. This account contains money and a number of cryptocurrencies which I can no longer access.
XXXX XXXX, 2017, I sent to you a QWR and Debt Validation request. Request for information under Regulation X 12 C.F.R. 1024.36 and Regulation Z under 12 C.F.R 1026.36 - Upon review you did not provide specifically requested the Full Name and Address of the Entity that is owner or assignee for the Note, located at : XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Fifth Third bank has taken funds, via direct deposit, from our bank account. My wife and I have a car loan with them and they took it upon themselves to take additional money out of our account by adding an insurance fee. We have had insurance the whole time and called after the first time it was done to us. They told us that the money would be returned to us after we had insurance company send over insurance information. This information was sent to fifth third bank and we were told that we would be getting our money back. They have for a second month in a row, charged us for the same fee. They now owe us two months on unauthorized charges, and are not returning the phone calls. All my wife and I want are the XXXX unathorized fees as well as the non sufficient funds charges that we have had to incur as a result of them taking this money from our credit union.
Refer my CFPB Complaint # XXXX. Debt was Citibank XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to XXXX XXXX of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to XXXX XXXX, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. XXXX, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and XXXX XXXX. XXXX XXXX gave me contact number for XXXX. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX
I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ever y 2 to 3  months updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.
After having banked with US Bank for several years on  XX/XX/XXXX  I received a letter notfying me that US Bank was opting to close my account based on what they deemed to be " Suspected Irregular Activity ''.
Despite filing a rebutal my account was " Closed '' offically on  XX/XX/XXXX and a cashier 's check issued by US Bank in the amount of {$920.00}. On  XX/XX/XXXX  in an effort to open another checking account at a diferent institution I was informed that US Bank reported me to "   XXXX   and   XXXX   XXXX   XXXX   '' after re-opening my " closed '' account without notice in an effort to charge me for a questionable charge previously disputed in  XXXX  of  XXXX .
Upon receving this information I made contact with my previous branch vie US Mail with a signature gurateee card along with a detailed letter to US Bank outlining my fidnings and questions surrounding questionable branking practices and lack of supporting documentation supporting the re-opening of a closed account without my prior acknowledgment.
Bronstein and Weiss has been calling has been harassing me on an old payday loan, threatened me saying Im being sued for fraud and calling friends and family memebers telling them I have a criminal complaint against me and that I will be served papers, alarming my friends and family. Trying to embarrass and shame me.
I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony bank.
On XX/XX/2017, I received a collection notice in the mail from American Coradius International LLC ( ACI ) stating that I owe {$480.00} to XXXX, and that I have 30 days to dispute the debt. The notice also states that ACI will settle for {$360.00} if I make the payment by XX/XX/2017. I 'm filing the complaint because I do n't owe XXXX any money. I have a XXXX account that I occasionally use for XXXX purchases, but it is connected to my bank account and the amount is immediately withdrawn. Based on what I 've read on the internet, I believe that this is a scam and I am requesting that legal action be taken against ACI.
Ocwen has filed a blatantly false response to this Bureau, in fact when we received a notice of news paper filing of foreclosure from the law firm of XXXX and XXXX in a single page letter, we filed a cease and desist letter in response demanding any and all paperwork, letters, previous notices, or any other related material in which they claim to have to establish standing, all they sent was a copy of deed of trust and various assignments of loan servicers. none of the paperwork received was any letters that Ocwen now claims they sent to us and has reported to this Bureau. also we filed a complaint in XXXX XXXX and within Ocwens responsive pleadings and exhibits nowhere was any letters filed, as they now claim, this is a material fact. the only papers filed as exhibits where deeds of trust and assignments of loan servicers, which is the exact same paperwork as XXXX, a material fact. an now Ocwen has filed with this Bureau chronological letters in which they claim they sent to us. this claim by Ocwen is a blatant falsehood and shocks the conscience and shows the length in which Ocwen will go to deceive and commit fraud. Ocwen never sent these letters because they did not exist, Ocwen and their attorneys fabricated these letters that all-a-sudden they provided this Bureau with these fabricated letters of fraud and deception and should be held in contempt of the Decree in which they entered. these are the exact types of deceit and fraud by Ocwen as Director XXXX XXXX described
I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called XXXX to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
I have been with Citibank for a long time I have checking savings and 2 credit card accounts with them. Recently they closed one of my credit cards because I hadnt used it and I lost almost 30,000 thank you points. I was unaware of this. I do online banking and online my account is still there and I have no I do at all about the closure of that account and the loss of my points.
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XX/XX/2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX,  proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.
CREDIT COLL XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I talked with Bank of America on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my XXXX report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call XXXX 's and tell them what happen but she just sent me over to XXXX 's and ended the call. 

I have been dealing with XXXX to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe Bank of America money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.
My existing mortgage was being serviced by XXXX XXXX. In 2017, Home Point Financial Corporation purchased XXXX XXXX. My mortgage had been set up for auto-payment with XXXX XXXX. 

About a week ago, I received a notice that my XX/XX/XXXX mortgage payment was past due, and I was being assessed a {$72.00} late fee. I looked into the issue, and it appears that the XXXX XXXX payment system was discontinued and was transitioned to an online portal through Home Point Financial Corporation. I was required to create a new account in the HPFC portal, and my auto payment was not setup in the system. I promptly set up the auto payment in the HPFC portal and submitted my overdue XXXX payment plus the late fee. 

I attempted several times to call customer service at the number listed on the website, XXXX, however I received various error messages or busy tones. I was not able to connect via phone. I emailed HPFC through the online portal explaining the situation and requesting a waiver of the late fee. However, when I received a response a week later, the response only provided my balance due amount and directed me to either call or email HPFC with further questions. I am unable to get through on the phone to HPFC as the customer service number provided, XXXX is not working. Also, there is no customer service mailing address listed on the " Contact Us '' section.
Case Numbers : XXXX, XXXX, XXXX I went to a car dealer and was going to be a co-signer for my daughter, they told me they were running my credit through 1 bank, later on during the week I see on my credit report 7 inquiries and they ran it twice for the same company without my permission. I want those inquiries removed it made my credit score go down tremendously. Please have these inquiries remove. 

Thank you XXXX
Mercantile Adjustment Bureau ( XXXX ) has begun calling me " about a business matter '' but they refuse to give me any details until I give them all sorts of personal information like address, DOB and last XXXX of social. Seems like they should n't be allowed to ask for personal information - I 'm sure not going to give them any - and should n't be allowed to call if they 're not going to tell me what they 're calling about. 

These are the same scumbags that were calling me a couple of years ago about something. I asked them for documentation of what they said I owed and did n't hear a peep for a couple of years it seems like.
Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  XXXX    XXXX     XXXX   XXXX  I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact   XXXX   directly and follow their internal fraud procedures which I have already done.
I have written and contacted Experian so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.