WillisBack/dataset-financial-user-claim huggingface dataset:
I have a debit card from XXXX expiring in XXXX 2016. XXXX transfers funds to the account in exchange for XXXX. My account has been closed even though a positive balance remains, so I can not access the funds. In the meantime, I am being penalized $ XXXX for inactivity. I have called the customer service number on the back of the card ( XXXX-apparently a foreign call center, possibly XXXX ) in XX/XX/XXXX and XX/XX/XXXX, each time being told to call back in " 3-5 business days '' when there has been a resolution. I have also called the Cardholder Services number on my last saved statement ( XXXX ) which is a number no longer in use. ( see attached document ). 

I have also emailed a customer service agent ( XXXXXXXXXXXX ) and been told to call the customer service number again. I inquired with the agent about receiving a check to close the account to which the reply was " This card program does not offer check refunds. You will need to use the remaining balance off the card. The XXXX XXXX XXXX can be used anywhere that XXXX is accepted worldwide. '' But the problem is that I can not access the funds because the account has been closed ( I can not access funds from an ATM ). 

Yesterday, I tried to log in to my account online and my access has been cut off. Today I tried to login again and the website now says " Temporarily Unavailable. We are temporarily unable to process your request. Please try again later, or call Customer Service if you require immediate assistance. " Since there is a XXXX XXXX logo on the card, I called XXXX member services and they claim that they are not affiliated with the card and can not help. They suggested I call XXXX XXXX XXXX, which I did, but they are not effectively able to reach anyone who can help either. 

I researched the email address from the agent ( XXXXXXXXXXXX ) and located a XXXX Corporate Headquarters*, XXXX XXXX XXXX XXXX XXXX , Florida XXXX, Phone : XXXX, Fax : XXXX ( XXXX ). Conveniently, the XXXX website " Contact Us '' link is not functioning ( XXXX ). I called that number today and through an automated cue asked for XXXX XXXX XXXX, who I found online as the XXXX legal counsel. A secretary answered and after a brief polite explanation of my issue was forwarded to XXXX XXXX. There was no answer so I left a message. 

I am extremely distraught at my treatment and inability to access the funds in my account as well as being continually penalized for not taking the funds out. I have now wasted 5-8 hours of time trying to chase down someone who can help me. I assume that there are others out there having similar difficulties but who do n't have the resources, time, or persistence to search for a resolution. If the company brushes all of us off long enough, they will eventually assess fees to make the accounts go to XXXX. Would this constitute a class action lawsuit situation?
American Express offered me a bonus of XXXX XXXX " miles '' for opening a new card and spending {$3000.00} on the card withing 90 days. I completed the targeted application, we approved and promised the reward. 
When I did not receive the reward we questioned American Express and was told that I had a similar card years ago and they would not honor the offer. I want to know why Amex would # 1 ) offer me this card, # 2 approve the application for this award # 3 deny me the benefit of fulfilling the offer. I has several other competing offers for my business and decided to give AMEX another chance and have now missed out on several comparable or better offers. 
American Express is making and approving offers that they do not honor and hiding behind small print ... .extremely misleading and deceitful marketing practices from a company I hold in high regard, I hope they make this right.
chase bank refused to do a refi -- I ask them to transfer the appraisal to another bank -- -said it was not their policy to do so -- can they be forced to transfer?
I had an account with bank of America and they are reporting to XXXX in accurate information account activity that is closed. which is still on the report and needs to be removed.
I have disputed a collection account on my TransUnion credit report multiple times any they always say they've verified it. It's not my debt, period. I have never received anything ( phone call or mail ) from the company. They won't respond to my letters. They say my only option is to talk to their attorney.

The problem here is with TransUnion. I filed a complaint against TransUnion last month with the CFPB and that dispute has vanished from my account here. 1 ) I was not notified by TransUnion of the results of the last investigation. 2 ) My complaint against them to the CFPB was removed. 3 ) I specifically have asked every time for them to explain how they are verifying this account because IT DOES NOT  BELONG TO ME and they have refused to answer that question. They just say they verified it.
Loan care purchased our loan but does not except electronic payment. They only accept loans by mail that are paid up to six days late accumulating six days worth of interest each month. My prior servicer excepted electronic bill pay and the payments were made at the beginning of each month on the first. If they are going to except or purchase a debt they should be required to maintain the previous servicers practices.
I called my lender, Navient, and advised them that I was unemployed and/or when employed, my income was below what any affordable payments possible. I have  XXXX  dependents, and my spouse is a  XXXX  Veteran. I was recently informed of the Income Based Repayment Program, however, I was placed on Forbearances for many years. During these years, I SHOULD have been provided the option and information regarding th e Income Based Repayment Plan.  If I was offered this option, I would be much closer to the end of my plan, as I graduated in  2006 .
I had a conversation with the XXXX XXXX located at XXXX XXXX last XXXX XXXX in XXXX to get my glasses supposed to be, however I declined because I felt I was being ripped off, a pair of glasses worth {$720.00} despite the fact I had an insurance coverage deductibles worth XXXX. The lady had signed me in a credit line for an installment plan, she said its like a credit card, no need to worry because its an installment plan and I said ok but I did not authorize her to make any payment because per agreement I have to give her my prescription before the order will be conceived. And when I went home I called my insurance to ask for a second opinion since this is my first time to deal with my eyeglasses with respect to insurance and my insurance said that it was too expensive so I called the other day to inform XXXX that I am not going to continue with the said transaction, I even sent an email to them to cancel it because I can't afford it but unfortunately they did not reply.To summarize after few days, I receive a bill from synchrony bank ( care credit ) regarding eyeglasses, so I called the customer service of care credit synchrony I told them that I did cancel the transaction from XXXX XXXX. And the customer service said that they already filed a dispute regarding my transaction so no need to worry. A month after I received a bill again from synchrony and I called again, I told them why I am receiving a bill? I had no purchases. I thought you have already taken care my issue, I said to the customer service. So they told me again they already escalated the issue and there is nothing to worry about. Again another bill came to me this XX/XX/2019 this is the fourth bill, stating that I had to owe them something. I told them I am going to file a complaint because they did not take my concerned seriously. It gave me a stress every time I receive a bill from them bearing the fact I don't have to owe anything. I feel I am being ripped off of these two companies to let me pay for nothing. I called them to and pro but nobody has taken care of my issue what matters to them is the money they can get from me. I really want to resort to file a lawsuit for giving me a stress and worrying about my credit score. I am hoping that someone can help me resolve my issue. Thank you so much.
While trying to get a XXXX XXXX account and also a secured card through a credit company, I found out there was different information on my TRANSUNION credit report. When I contacted TRANSUNION, they had my last name from a previous marriage over ten years ago and refuse to change it. They tell me to contact my creditors, even though I have never opened up an account or gotten a loan in my entire life. The only thing I have is medical debt, all acquired in the years of my current name. I am at a loss of what to do and can not improve or move forwards creating credit for myself. THEY REFUSE! They also had a previous address and I would have to send information in to fix, which is going to have the wrong name and get thrown out anyways. HOW IS ALL OF THIS NOT ILLEGAL?
I have contacted TransUnion Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting.
The new laws installed  XXXX   XXXX , 2017 CDIA new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I spoke to manager,   XXXX   XXXX   at Transunion and she gave me her fax number to receive the news letter. Even after she read these new laws, she refused to adhere to them. I have the problem with the bankruptcy criteria that has not been met with reporting it to Transunion.   XXXX   XXXX   stated that although the criteria is not met, the item has to stay on my report. She SAW, the information in writing and STILL refused to help correct the situation.   XXXX   XXXX   stated that she saw the criteria on my report that the new law stated and I told her I had a copy of my report and it was n't there. She stated, " she saw it from here end and I would have to get a sapena to see what she saw '' ). So, I sent faxed her a copy of my report to show her. She did not acknowledge my report was correct. EVEN MANAGEMENT REFUSAL TO HELP IS ASTOUNDING! Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Transunion. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping.
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. 
I am requesting that the credit bureaus delete the information or correct it. 
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXXXXXXXXXX
I had XXXX XXXX I took in XX/XX/XXXX. The first lender given by government as it is government Loan according to the people in Financial Aid of XXXX XXXX where I went to school was XXXX XXXX XXXX. Few Years later, I was contacted by another lender called ACS. Now ACS sold me to another called XXXX. My original amount was {$5000.00}. I started paying even though I had part time jobs for some time. After recession of XX/XX/XXXX, I did not find any other job to today. As I was going part time to school because I am adult student and had young children. I finally graduated in XX/XX/XXXX. Since then, I am looking for a full time job, but I did not get any. I kept asking ACS for deferment form hoping to find a job. 
Recently, ACS sold my account to another called XXXX in Utah according to ACS. ACS did not contact me for those changes and when I try to get into my account online, I found my account close with a little message that I should contact XXXX. 
A couple of days I am receiving menacing letters like everyday, that they put me in collection. That I have to pay the amount on billing statement. How can I pay without job! Now they put me in collection, it is going to be hard to find a job in the future. 
That XXXX has changed my account. My original account is XXXX. 
The XXXX has changed in the following : XXXX. 
My complaint is first, how is possible to have XXXX and XXXX different accounts for XXXX loan. It is confusing! I need to have my original account where I have all my records, so that I can recognize the original amount and accrued interests. 
The Amount on their statement is not the same as one in my records. 
Second, I find not acceptable that the students lenders can sell student accounts to anyone like if we were merchandises! The last time I called the number I find in XXXX website, somebody from XXXX answered me and told me that they have purchased my account. He started to ask me my social, my date of birth, address and other important information. I said that I can not give you my information. If you bought my account, you should have all those things you are asking me as they are in my file. I was surprise! When I came back to ACS, the lady I talk to did not give me explanation of how they keep selling my account to people even outside of the country. 
Third, I would like to have my original account and I am asking XXXX XXXX XXXX to have my account back. This time I am going to do anything I can to start to pay at least accrued interests hoping to find a real job. 
By now, I do n't know whom I am talking to ... It could spam or something else ... 
I find that thing unthinkable, and I am worried for my kids and other students specially young ones who already have the burden of multiple loans as you do with those odd business transactions on the back! In my opinion, students should not be treated that way. We are human beings. We should not be sold as beans or sweet potatoes. America is better than that! 
I sent a message to the website of XXXX asking to assign somebody I can talk to, but I did not get answer.
I have been working with SN Servicing for quite some time to reach some sort of settlement or loss prevention option. I have been assigned to a XXXX XXXX there who has been a nightmare to work with. Not only is she rude, but, she never returns any messages/emails etc. She has been difficult to communicate with and when we do, she seems to be really rude and impatient. I submitted my file over to her XXXX weeks ago on XX/XX/18 and she still has failed to call back. When i do call into their company they advise that they will have the file escalated to her Manager but nothing happens. Since the XXXX weeks, I have now received foreclosure notices on my door. I don't know what to do at this point as this have been increasingly frustrating.
XXXX ' client XXXX XXXX is an ID theft victim ; his information was used without his consent to apply for several credit cards. While those applications were denied the applications resulted in an inquiry left on his credit reports. We have notified the card issuer officially with a dispute in writing as outlined by the FCRA however a credit report shows Chase is still reporting the inquiry to XXXX. The fraudulent application was submitted XX/XX/XXXX ; our office started the dispute process XX/XX/XXXX and again XX/XX/XXXX when Chase violated the FCRA and continued to report the inquiry.
XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX  XXXX XXXX is not responding at all.
I am filing this complaint against I C systems Inc. I do not know who this company is and what this debt is about. I have been working on cleaning my credit report on my own. As of XX/XX/2018 XXXX added this to my report and flagged it. This may be a dispute I had removed and XXXX continue to allow these negative collections to be add to my report under different creditors. I don't feel this is right. I am working hard to achieve the American dream and XXXX continue to set me back. I ask that you please remove this from my report immediately. Thank you for your time and consideration
I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.
I am adding more documentation to a current complaint. The attached document further details line by line the payments I made to the center for children that was never credited to the ledger. Further, there are payments noted, however not recorded. The ledger attached has my payments, the billings and then the total amount the attorney billed me in full which was {$3000.00} on page 10 of the attached XXXX XXXX document billing statement. I paid that in full based on my payments that were recorded. The billing statement is vague, ambiguous and there is nothing to show for the billing 's validity. It is just a bill with nothing to prove it is legitemate. Further, I paid my portion of the billed debt. Lastly, there is a court action that dismissed this attorney on XX/XX/14. There was no valid or legal billings allowed after that date. 
This debt was purchased by Southwest Collections and is a third party debt. It is illegal and action needs to be taken to get it off my credit report immediately.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.
I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more.
I have an inquiry from Credco reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at Credco in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX  number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
To whom it may concern, My client XXXX XXXX XXXX and I are very dissatisfied with the process in which Movement Mortgage provided for the transaction, located at property ; XXXX XXXX XXXX XXXX XXXX. XXXX, Movement Mortgage has failed to take accountability for the mishandling of XXXX XXXX file. XXXX XXXX set out to relocate to XXXX XXXX  from XXXX, by the end of XXXX and XX/XX/XXXX, the day before we were set to close XXXX XXXX XXXX and I were told, The loan was denied by XXXX XXXX XXXX, supervisor to XXXX XXXX XXXX, due to income, how is this so when that is verified initially. I entrusted our affiliated partner Movement Mortgage, to provide my client with exceptional service, in which they failed to do, Movement Mortgage, states 7-Day Process and how fast the file goes to underwriting, if this is so how did this happen and why is my client distraught/lost XXXX Earnest Money, XXXX Appraisal and XXXX Inspection, totaling XXXX. XXXX XXXX received a Conventional Pre-Qual letter on XX/XX/XXXX and I followed up with the loan officer XXXX XXXX to make certain that XXXX XXXX file was all set to move forward, prior to the beginning of the home search process, I was informed that XXXX XXXX file was all set to write offers. On XX/XX/XXXX we presented an offer on property XXXX XXXX XXXX XXXX XXXX XXXX and the offer was accepted on XX/XX/XXXX, at which the contract went binding and set to close on or before XX/XX/XXXX, and 25-day financing contingency. My client, the listing agent and I, had a rough time getting in contact with the Loan Officer, only when I saw the Loan Officer XXXX XXXX in the office he would inform me that he would reach out to the listing agent and my client, he assured me that the file was moving right along and would close prior to the anticipated close date, which was false. I would like for Movement to take accountability for the mishandling of XXXX XXXX, the entire process was difficult/stressful, from the improper verification of income, lack of communication, incorrect appraisal order FHA instead of Conventional. Attached are the documents used in the transaction. Please advise how you all would like to proceed. 



XXXX XXXX XXXX email : XXXX XXXX
Im writing this in response to a dispute against portfolio recovery with an alleged debt on my credit report. 

Under ny law portfolio failed to provide exact information regarding such debt. They did not provide proof or start date of said debt, failed to show proof of exact dates that debt was made or months of missed payments and most importantly the so called debt that they are trying to claim is past the statute of limitations under New York State Law, Uniform Commercial Code 2-725. Even in their own letter it shows that they are past the expiration date to collect. Therefore this debt should not be on my credit report as owed to them. My Next letter it to the nys attorney general regarding this issue.
I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 18 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00} I received notices back from all 3 bureaus XXXX, XXXX XXXX, and Experian stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
A third party debt collector is contacting me claiming I owe a medical bill. I explained to the debt collector my insurance covered those charges, but the debt collector continues to claim I owe this debt, they have yet to provide me any further proof that I owe this debt.