WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for an American Express Green card in XXXX, 2015 under an online promotion that offered XXXX reward points after spending {$1000.00} in 3 months with a {$95.00} annual fee waived the first year. After meeting the spending requirements and noticing that I did not receive the signup bonus, I called in to American Express to inquire XX/XX/XXXX. American Express customer service told me that they did not have any record of me signing up under the promotion, but would escalate to their marketing team to investigate. It is now well over a month since I first called in and despite contacting American Express 5+ times, they have no information to give me and I have not yet received the bonus I signed up for. A household family member signed up for the same bonus on the same day using the same online promotion and received the bonus points. I met my end of the agreement for the signup bonus in meeting the spending requirements and now would like American Express to fulfill their end.
Covenrgent outsourcing is attempting to collect a debt that they clam is from XXXX XXXX, in XX/XX/XXXX. They sent me false documents of a bill from XXXX, with an address in XXXX, Colorado. I have not lived at that address since XX/XX/XXXX. I want them to stop contacting me and stop attempting to collect this false debt.
chex system is reporting that i have non-sufficient funds -activity owed has been paid. The information they are reporting is preventing me from opening any accounts with other banks. so please send me the information that they are using to verify the informationthat are reporting.
I contacted Equifax on XX/XX/XXXX regarding multiple inquiries on my see it report that I have no knowledge of authorizing. Prior to calling Equifax, I attempted to call all businesses listed in the inquires with no information available on inquiries or accounts. I asked Equifax to start an investigation on the inquiries I did not authorize, and to delete them from my credit report, due to them being fraudulent inquiries. Equifax denied helping me with this process and said they can not do that. 

Inquiries : XXXX XXXX-XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX.XXXX.XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX
Capital One performed a hard inquiry on my Credit File without disclosing or asking permission after issuing a Credit Card to my Corporation. 

The Corporation has a good XXXX and XXXX and Capital One without authorization or notification pulled a personal credit file. 

Furthermore this hard pull was completely unnecessary as I have been a customer of theirs for over 4 years. They could have just as easily seen that i have NEVER had a late payment. They could have done a soft pull to satisfy their own curiosity if needed I need to reiterate this was a Credit Card issued to a business. A corporation and not an individual by any means. I did not sign a personal guarantee. 

There was absolutely no justified reason that this should have happened. 
When i called them to complain and demand that they remove it, i was given the run around and eventually told that they didnt KNOW HOW or KNOW WHO could undo their misdeed ...
IC Systems contacted me, claiming I owed a debt to XXXX. I submitted a written request for a copy of the original debtor 's agreement, and stated that a bill generated by a purported creditor alone would not suffice as proof of a debt incurred. That any entity can generate a bill, and the creditor MUST produce evidence of agreement to enter into a creditor/debtor relationship in order to validate the claim of a debt owed. Despite my request, IC Systems simply and solely provided a copy of a bill from XXXX dated XX/XX/17. The bill indicates a " Previous balance '' of {$23.00}, with {$0.00} payment received, and " New Charges '' of {$20.00}. No payment was received because no agreement between myself and XXXX ( or XXXX ) exists. In short, I did not sign up for their service, I did not agree to be indebted for their service and I do not agree to pay for their unsolicited service.
I have an account through my former school, XXXX University, for a XXXX loan on my credit report. It was originally opened in XXXX XXXX, and the date of first delinquency was XX/XX/XXXX ( XXXX loans have a nine month grace period, nine months after XXXX XXXX, which was when the semester ended, is XXXX XXXX ). The loan was originally being serviced by XXXX, but the school recalled all accounts from XXXX and then began using XXXX for servicing. The original XXXX account has long been removed from my XXXX and XXXX reports, but is still present and reporting incorrect information on my Equifax report. In addition to this, the XXXX account is appearing on my Equifax report as well. So, I 'm being dinged twice by the same loan, and XXXX trade line with completely incorrect information. After being recalled and having XXXX changed to the servicer, the loan was included in my student loan consolidation in XX/XX/XXXX and is showing paid with a XXXX balance, and this appears on my Equifax report. In addition to that, under the XXXX account the same loan is showing up with a {$4000.00} balance, {$940.00} past due, a XX/XX/XXXX date of first delinquency, and is showing as a collection account. This is completely incorrect. XXXX no longer has collection authority over this account, and the account should be removed from my Equifax report. My Equifax score is around XXXX points lower than my other XXXX due to this account. I disputed the account with Equifax and it came back as verified, and I have found Equifax generally much less helpful than both XXXX and XXXX.
They are calling my number several times per day. asking for personal, private identifying information, wont tell me what the debt supposedly is or the amount. Ask them to stop calling my phone and send any correspondence via certified mail. just asked them once again to stop calling on XXXX2018 XXXX XXXX eastern time. this is the 3rd time ive asked them with no compliance on their part. Ive received nothing in the mail from this company.
I am writing the experience I had with PORTFOLIO RECOVERY. OnXX/XX/XXXX, I contacted PORTFOLIO RECOVERY about a letter received ( not to my address ) stating I owed a debt of {$1600.00}. The representative advised that the debt was from XX/XX/XXXX ( eighteen years ago! ) and the Debt was purchased in XX/XX/XXXX ( fourteen years ago! ). She also advised that PORTFOLIO RECOVERY has the right to collect on a debt with no time limit as long is the debt is outstanding.

Although I understand that PORTFOLIO RECOVERY may attempt to collect a debt for an unlimited amount of time via phone, in writing etc. I know I have rights that need enforcement with regard to the FCRA. The FCRA states that there is a Statue of Limitation of 7 years.

Unfortunately, on XX/XX/XXXX PORTFOLIO RECOVERY put this debt as a charge off on my credit report for {$2600.00}. Based on the information provided by PORTFOLIO RECOVERY on XX/XX/XXXX it is clear that this debt has passed the reporting Statue of Limitations and should have not been placed on my credit report.

I have consulted with an attorney who is very interested in taking on my case, however, I am going to give PORTFOLIO RECOVERY an opportunity to correct their mistake before taking any legal action.
I requested my electricity bill be paid by my banks bill pay program in the amount of XXXX. XXXX XXXX  XXXX did not receive that check on time causing my power to be shut off. I requested a cancellation of this check but I was informed that the process can not be stop. XXXX has deposited this check twice causing XXXX separate over drafts on my account.
I have not received any bill from XXXX XXXX hospital. However, XXXX XXXX XXXX ( XXXX, IN ) has sent me collection letter to pay {$1600.00}. I have requested in writing that I receive detailed bill from the hospital and also gave an offer to pay the account. However, XXXX XXXX XXXX has sent XXXX letter this time included my husband 's name on the collection letter. I feel there are XXXX violations ( XXXX ) I have not received any invoice in writing ; ( XXXX ) XXXX XXXX XXXX has included my husband 's name.
I called to pay a balance my school reported to them for {$3600.00}. They tell me that I owe {$4700.00}. Now I owe over {$1000.00} to pay a past due debt? This is rediculous. They are badgering XXXX and taking advantage of us. If I did n't have the {$3600.00}, why would you hike it up over {$1000.00}. I am in talks now with my school, because even my school mentioned that this is absurd. They will be contacting the agency. Whoever added this astronomical fee to my debt will pay severly. Please contact this agency to resolve this. I am willing to pay the {$3600.00}, but they are really on the high end for fees. They are using unfair debt collection practices to bully me into paying for these high fees for their commissions. They are telling me that this balance comes from the school. The school said they did not send over the {$4700.00} to be paid. They sent the balance fo {$3600.00} to be paid. I have attached the screen shot of my XXXX account. I have also attached an email I received from Williams and Fudge.
we have been dealing with arvest bank on a dispute since XX/XX/2016 we won the dispute and they were to send us a check for the funds returned we have been chasing this check since XX/XX/2016 we have made numerous calls trying to get our check we have been told several different stories each time we call we have been told they sent the check it was returned so they sent it to a different address and returned again then they said they were sending it again still no check then we have also been told it was signed for and deposited into an account but they wont tell us any info on who signed for it or where it was deposited then they say we will send your check you should have it this week then back to it was deposited this is a business account so it would have to go into a business account but they wont tell us where it was deposited they are giving us a run around and keeping our money
I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
On  XX/XX/XXXX  I reported fraudulent activity on my credit card in the amount of {$9800.00}. The dates of this activity were from  XX/XX/XXXX  to  XX/XX/XXXX . I also submitted a police report on this same date. The probable point of theft was from   XXXX   on  XXXX ,  XXXX , Illinois. Since my credit card was deemed " a bad read, '' I was directed to the ATM next to the service desk.  <P/> On  XX/XX/XXXX , I received two denied claims. I am very concerned that this is a beginning of continued denied claims.
In XX/XX/XXXX I purchased my first home with a mortgage from Huntington. The mortgage payment was roughly {$990.00}. XX/XX/XXXX Huntington informed me that my new mortgage payment was roughly going to be {$1300.00} a month for the next year and roughly {$1200.00} for the remaining 28 years on the mortgage. They stated to me that they had incorrectly calculated my taxes on the original mortgage document and that I was stuck with this new payment. I contacted a lawyer and was told that I was a victim of a " bait and switch '' loan. I was unable to make these payment and lost my house. This destroyed my credit in the process. Huntington never offered to help me in any way. They never rewrote my mortgage and I was never presented with documents showing how this was possible. I was only ever presented with a bill each month for this new amount. I was fortunate enough to sell my home in XX/XX/XXXX. I lost my life savings in the process paying back various fees and payments in order to avoid having a foreclosure mark on my credit score for the rest of my life. During this time I occupied the home and Huntington made multiple attempts to winterize my house while I lived there. They hired third party contractors to come to my home and inspect it while I was at work despite he fact that this was my only residence. Their customer service mocked and laughed at me on various occasions as I pledded for help bringing me to tears on multiple occasions. I became depressed to the point of contemplating suicide more than once. If not for the grace of God and Him having me meet my now wife during this crisis I would not be here to file this complaint.
XXXX XXXXXXXX. XXXX has placed an account on my credit report with XXXX  for {$540.00}. This debt does not belong to me. I have asked multiple times for written verification and signature for this account. I have always held health insurance. I wouldnt have any medical bills. I have been dealing with this issue for a year without any feedback or validation.
I have written these credit bureaus on numerous occasion in reference to reporting inaccurate information. I was never late for any payments on my XXXX XXXX account. 
I have never missed any payments on mt XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX account. 
I do not have a written contract with XXXX XXXX XXXX that states I owe {$330.00} which is incorrect. I also do not have a written contract/agreement with XXXX  XXXX XXXX that states I owe {$1700.00} which is inaccurate. There is also an inaccurate balance of {$1100.00} for XXXX the accurate balance is {$0.00} XXXX XXXX  XXXX inaccurate balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX inaccurate balance of {$2200.00} the accurate balance is {$0.00}
I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.
I am submitting this complaint about transunion. I have disputed several things on my credit report and I keep getting letters stating they need additional time. To my understanding I am to allow 30 days for a company to respond. If they do not respond within 30 days it is to be removed. I tried going online to view my transunion credit report and it will not allow me to do so. I also called several times and am always re-directed as my credit file is in with the identity theft dept. I keep getting an answering machine. I am trying to get my updated credit report to make sure this incorrect information was corrected. Yesterday XXXX/XXXX/16 I received another letter that they need an additional 15 days. Last month when I was able to get online I kept disputing the same information. Usually if something is under investigation you ca n't dispute it. The system kept letting me dispute the incorrect information that tells me that they are not investigating my dispute. I am trying to obtain credit and with all this incorrect information on my report is making it difficult for me. My credit score according to XXXX is very low. Something is def wrong because my score should be going up not down. I ca n't get a report nor get to speak to anyone so I am submitting this complaint because I have no idea what my credit report looks like. I also have been trying to dispute XXXX deragatory remarks from XXXX that also is affecting my credit score in a negative way. I was told under legal counsel that these XXXX remarks for XXXX account is unheard of and if anything only XXXX negative remark should be reporting. I was told under legal counsel that this is to further affect my credit.
Certified Services is causing me injury by falsely reported a debt on my credit report that I do not owe. I never signed an agreement/contract with them or used their services. They are violating my right under the Fair Debt Collection Practices Act by providing misleading information by reporting account on my credit that I did not sign up for with them. They have two accounts on my credit that should be removed. I have tried going through the XXXX, however, they did not respond to the agency, which provides an example of their business practices.
As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray.
My FICO score is over 800 of XXXX yet my XXXX XXXX XXXX score is only XXXX of XXXX. Consquently, XXXX XXXX XXXX has imposed extra fees and restrictions on my account because of your slanderous scoring system.
Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called Transunion and they said it is reporting. I have tried to get home equity loan and was told the same thing. Transunion says no reason for that so why ca n't anyone access a credit number. XXXX had told me all my credit was old, which is true but what should that have to do with my credit history. Transunion has told me there are no negative items on my report. I have a charge account with XXXX which has been active since XX/XX/2003 and XXXX said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. XXXX says it 's XXXX fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help
I ordered an item from XXXX that I never received I made a dispute with the credit card company and they denied my claim and they had really no evidence towards me ... I am their customer and my package was either stolen or delivered to the wrong address but they are still making me pay for it ... I even have a police report stating that
XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Prior to XX/XX/XXXX, I went inside a Region 's branch with my XXXX offer for opening a new account. The offer stated that I needed to make at least XXXX debit card transactions within 60 days of account opening and have e-statements to receive the promotional deposit. Since that time, I have sent and received dozens of messages through my online banking at Regions trying to confirm the promotion and that I have met the terms of the bonus. Multiple times I have been told by Regions that my account was registered for only a XXXX bonus that required direct deposit. I know this is not the case, and I have attached the pertinent account promotion page and opening document clearly showing my registered email address : XXXX as being signed up for the account.
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX XXXX it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XXXX-XXXX. Two are  XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XXXX and then in XX/XX/XXXX. One or more other lender ( XXXX ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX