WillisBack/dataset-financial-user-claim huggingface dataset:
We have a complaint against American Express about deceptive advertising. My son and were issued a XXXX for Business Card from American Express in XXXX and as we own a startup, we needed money. They have this check spending availability feature which allows you to spend a certain undisclosed amount over the limit. We were hesitant at first, and we called American Express in good faith to know exactly how much we can spend over the limit. They told us the website would tell us. We thought, fine, we 'll do that. Big mistake. American Express then pulled both of my accounts with them without any warning. They had us pay a minimum of {$600.00} or more every month. Then in XXXX, they began charging us over {$900.00} per month. We were unable to meet these high minimums. Now they harass us constantly, threatening us. Their debt collectors within American Express threaten to take our case to an outside collections agency and ruin our credit. We tried to explain to them the situation, yet they 're not happy with less than {$3000.00} a month. We now have a hard time keeping our other obligations due to their high demands, causing us to fall behind our other bills, I guess that 's how they plan to ruin my credit. My son handles all the finances with the business cards, and he is even having a hard time paying his cards because of the demands of American Express. We both understand that American Express has been in trouble with the CFPB and other agencies for similar type tactics. Please let us know how we can get them to stop. We even indicated to them we are willing to work with them to get this issue resolved, but they do n't want to listen to us.
My husband had a credit card with bank of America. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to bank of America about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I  guess the credit card is with his daughter in XXXX where she lives. I have talked to bank of America about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.
I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released XXXX XXXX XXXX State lien XXXX XXXX XXXX State lien XXXX XXXX XXXX KY higher XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX city of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
I have {$620.00} in fees on my account, {$120.00} for a foreclosure fee that I never was advised I was ever in foreclosure. A {$500.00} appraisal fee that I was not made aware of prior to an appraisal being ordered for a review of a short sale of which still shows as being reviewed but confusing letters saying it was denied but also letters saying still actively being reviewed. The mortgage company is saying that they are not reporting me delinquent on my mortgage but my mortgage statements show I am past due of {$690.00} in addition to what my current payment is. When I review my credit report it shows degoratory on my credit report. I ca n't actually see how it is affecting my credit but my score is dropping every month. I am current on my mortgage payment. The last delinquent mortgage payment I made was when I thought I was being reviewed for the short sale in XXXX of 2014 which I brought the account current in XXXX of 2014. I have no idea how this is affecting my credit but I am getting denied loans and credit due to this mishap. Every time I have called to have this explained I get the run around and say its been escalated but nothing comes out of it.
On XXXX XXXX, XXXX, I received a court document from District Court in MD indicating that I am named as a defendant in a civil case going back to XXXX. The document is in former name that I have not used since XXXX. From the court documents, it showed that this legal office have been sending letters to an address that I have not lived in from XXXX to XXXX under that name and pinned a judgment against me knowing that I would receive the document. I do n't recognize this debts nor have I ever owed any money to XXXX as indicated. This is clearly a tactic used to get the court to issue a judgment in my name for not responding.
I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.
On XX/XX/2018, I received a letter from AlliedInterstate LLC dated XX/XX/2018 regarding a debt from original creditor XXXX XXXX XXXX, creditor : XXXX, amount owed : {$46000.00}, Allied Interstate Acct # XXXX. 

I dispute the validity of this debt as it is addressed to the wrong person. Pursuant to my rights under the federal debt collection laws, I am requesting that you cease and desist sending letters to our address. You are contacting the incorrect person. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey Attorney General 's office. Civil and criminal claims will be pursued.
Revenue Enterprises is destroying my credit without giving me time to with out giving me time to reply to the medical dept charged to my name i paid into my whole life to XXXX n XXXX now its worthless and i wasnt given an estimate like it was a car or home contractor unlicensed roofer scam I want justice on this XXXX XXXX brought to yheir knees
My husband died over 2 yrs. ago leaving several medical bills unpaid. After his personal estate was reviewed by the XXXX XXXX Courts it was ruled that his estate was deficient and that his medical bills would go unpaid. XXXX XXXX XXXX sent several bills. They were informed that there was no money in the estate to cover his bills. XXXX XXXX then turned this over to Optimum Outcomes, Inc. to attempt to collect several bills. I contacted an attorney who notified Optimum Outcomes that they could not collect on the bills owing because the estate was deficient. Apparently a bill for {$280.00} was not listed in that correspondence and Optimum Outcomes began sending collection notices for that amount. I called and wrote the company that this was not my bill several times. They stopped sending notices of collection and instead had a collection report placed in my credit reports XXXX. I disputed the information with XXXX credit reporting bureaus. XXXX accepted my statement and removed the collection report from my credit report. XXXX has declined to remove the collection report as of this time.
There was a collection account of  XXXX  reported by collection company by the name of receivables performance on behalf of  XXXX   XXXX  to all  XXXX  credit bureaus,  XXXX   &    XXXX   removed the collection account, because I did n't owe it and it was n't validated by the collection agency, for that reason. Experian refused to remove it after I sent a letter as I did with to the other  XXXX  credit bureaus explaining I did not owe it and they needed to validate it, Experian told me to go back to the collection company to have them remove it, after several calls to the college agency, it has not been removed. And call after call to Experian still refusing to remove it.
My checking and savings account under Chase Bank have been frozen for nearly a year. There had been nearly {$1000.00} balance in the accounts which I am unable to access, and whenever I call to check about this, I am transferred to a department who does not provide me any information other than that my accounts are under investigation. I am not sure how I can get my money back from Chase Bank or what sort of investigation may be happening that has taken nearly a year and still has no resolution. Furthermore, I was promised to receive a {$300.00} checking account bonus + {$300.00} savings account bonus, which I never received due to the accounts being frozen.
I have had a netspend card for months which I have activated and used for months without an issue. Today XX/XX/2018 I tried to make a purchase online and the transaction were declined when I know I had funds on the cards. 

I called customer service and was told my balance was {$300.00}. And that they would now need ID, Social Security card and a Utility bill to release my funds. Please keep in mind that I have had the card for months and have loaded it and used it for many transactions. now after having the card, loading and making purchases froze my account without warning and are holding my funds XXXX. 

ID and social security cards were not requested during activation and now all of a sudden they need this. I am requesting my netspend account be closed and my funds which total around {$300.00} be sent to me via check at the address on file.
This number tried to call me before XXXX XXXX today, Saturday XX/XX/18.
To Whom it May Concern, If you sold the debt to XXXX XXXX XXXX then therfore you should not be reporting on my credit report as a charge off. Please remove this account from credit report. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the  Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 
I am now demanding the immediate and complete removal of this tradeline from my credit reports ( XXXX XXXX and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved within 30 days, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter.
Capital One reported a 30 day delinquency on my account. However, they had sent the statement to my old address, AFTER they had already been informed of my new address. 
I 've attempted multiple times to get them to remove the delinquency as it was their fault for sending my billing statement to my old address. I 've attached a copy of my XX/XX/2015 Capital One statement showing they were aware of my new address prior to the billing statement for the " delinquency '' being sent.
I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, EQUIFAX, XXXX  inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.
My Student loan, agree to remove the negative items from my record, but the credit agencies did not remove it. I have sent them certified mail, no response Please see the department of Education letter clearly stating that these items need to be removed. 
XXXX
XXXX  was notified by my employer about a possible wage garnishment regarding a judgement I had never made aware of. I was shocked when I found it this legal action was filed in  2012.  I was not properly served, and I have a very strong suspicion that they purposely lied about whom they served in order to push this lawsuit through and obtain a default judgement. Furthermore, the law firm has engaged in unfair and shady practices by attempting to use outdated writs to try to seize my property. When I spoke with they  Winn Law Group, a nd asked them why they did n't serve me personally or attempt to contact me back in  2012    to resolve this, they were extremely rude and condescending. The debt has grown to enormous amounts and it is a clear attempt to use the legal system to inflate the debt and force me into paying close to triple the original balance.
This phone number : XXXX keeps calling me since my Dad died in XX/XX/XXXX. There are NO assets. There is NO will. I am not an executor. I am NOT responsible for his debt.
Collection letter for judgment stated balance was {$11000.00} - balance was actually {$6400.00}. Discrepancy was blamed on a " glitch '' in their system.
Nelnet states I have to repay almost $ 40K of student loans through the department of education. I have proof that I submitted to them all documentation under their requirements for a full forgiveness of any/all student loans both private and federal due to a medical issue ( s ) I have for full XXXX  forgiveness. The department of education for my federal student loans have already been forgiven and in XX/XX/XXXX I filed a 1099 c on my taxes representing my full permanent release for any/all loans. Nelnet still states I owe them and state that I never gave them my income paperwork in order to finish the process ; this is not true ; they have received a copy of my tax statements every year since roughly XX/XX/XXXX when I began college. An agent from Nelnet stated to me that I should have gotten the full permanent release of financial responsibility in XX/XX/XXXX but unfortunately " they '' lost my paperwork!!!! Now they want me to go back through their entire 3-5 year process to forgive my loans due to a medical issue again because they didn't keep track of their paperwork which would have solidified the permanent release of my private loans!!!!! The agent on the phone I spoke with today XX/XX/XXXX literally told me that my loans had been 100 % forgiven up until XX/XX/XXXX when they never received my paperwork - this is humorous to me because I sent my paperwork including my tax documents through my tax service electronically and via USPS and I made sure Nelnet had to sign for it so that they couldn't say they never received it!!! In fact I did that every time I sent them correspondence other than by phone of course ) The Department of Education has already forgiven my student loans and Nelnet should have to do the same!!! The XXXX should be forgiven and erased off of my credit and I should also be given an apology for the stress they have dragged me through. I have done my part every step of the way and have jumped through all of their hoops ; gone to countless doctor appointments, filled out a ton of paperwork over the years and now that they have screwed up, I'm supposed to pay what I don't owe?!?!?!? I don't think so. If they don't erase the XXXX  then we can go to court where I can show proof of everything I have which states in XX/XX/XXXX the department of education including Nelnet forgave all of my loans, both federal and private! I should not have to go through their process of reapplying for their XXXX XXXX XXXX XXXX program ; I went through it once and will not do it again! They keep sending me correspondence saying they are going to garnish my wages which should never happen considering I have proof from them saying I have been relinquished of all student loans, both private and federal. At the very least if the federal government through the Department of Education forgave my federal loans that should be required to apply to my private student loans ; which I shouldn't even have to add here being I have the letters that prove they all have been forever discharged!
I have been a good customer of Chase Bank for several years. 
Last XXXX, I responded to a coupon offer from Chase for a {$300.00} bonus if I opened a new Chase Premier Plus checking account. Per the offer, to qualify for the bonus I had to open the account with at least {$25.00} ( I deposited {$1500.00} ) and then have electronic deposits made of my paycheck. I followed the requirements and asked my employer to transfer my earnings electronically as required for the bonus. My employer, XXXX XXXX XXXX, is a small business, but they agreed to go through the extra paperwork to set up the transfer and make the transfers of my earning. For the past several months my earnings have been electronically deposited to my checking account from my employer 's account at the XXXX. 
Although I have fulfilled all of the requirements, Chase has not deposited the {$300.00} bonus promised after almost five months, nor can they tell me if and when the bonus that I have earned will be paid.
I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.
Dear Trans Union : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The following inquiries are unauthorized : Creditor Inquiry Date XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
This complaint relates to my complaint # XXXX. 

As of today, XX/XX/2018, Bank of the West still has not returned my personal check to me. To recap, Bank of the West refused to cash a check I deposited in the ATM that was made out to my minor child and properly endorsed by me her parent. Then, Bank of the West lost the check. 

They claimed to have mailed a " legal tender '' check to me - whatever that means. Allegedly, a copy of my check. But I have not received it. They claim to have sent this " legal tender '' check to me on XX/XX/2018, but here it is XX/XX/2018 and I still have not received it. 

I don't believe they have mailed the check. I think they are so incompetent that they don't know where my check is. 

This is a check drawn on XXXX XXXX XXXX XXXX and made out to my minor child. 

They are hands down the worst bank I've ever dealt with.
Ditech applied my loan payment to escrow. I did not ask them to do this, nor did I authorize this. The payment was posted XXXX XXXX, 2016 in the amount of {$720.00}. I contacted them on XXXX XXXX, 2016 because they are showing me as past due, which I am not. They show me as next payment due XXXX XXXX, 2016 which is incorrect. They were to have " reallocated '' this misapplied payment and as of this writing they have not. By tem making this error they affect my pay for performance ( timely payments ) incentive ( which to date they have never fixed, despite responded XXXX XXXX admitting they owe me this ). Regarding my current issue they need to fix this immediately and correct the misapplied payment and show my account as current. Also, they have yet to notify me of my new and correct monthly payment since having the lender based forced flood insurance requirement removed. They muddle what my actual payment is so that nobody can make sense of it. I do not know what I am supposed to pay these people every month.
I had outstanding state taxes due to the Georgia Department of Revenue ( GDR ). I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the GDR. The Trans unioin credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien Executions, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Transition Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.