WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I applied and was approved for ( at a later date ) a Chase XXXX MileagePlus Explorer credit card. The terms of this offer included XXXX XXXX miles for spending {$2000.00} within the first 3 months of account opening. On XXXX XXXX, I noticed through a Chase portal that I was actually targeted for an offer that included XXXX miles for spending {$3000.00} within the first three months of account opening. That same day, I sent Chase a secure message requesting, as a courtesy, that they match they match me to the better offer that I was also targeted for. On XXXX XXXX, I received a response, including the following text : " We are happy to match the new bonus offer. Please reply to this email when you have spent {$3000.00} in the first three months your account is open so we can manually add the additional XXXX bonus miles to your account. '' Note that they required that I spend {$3000.00} to receive the extra XXXX miles, {$1000.00} more than my original offer required. 

On XXXX XXXX, I messaged Chase that I had fulfilled the extra {$1000.00} that they required to earn an extra XXXX XXXX miles. I received a response including the following : " Please accept our apology for the incorrect information you received in our previous response to you dated XXXX XXXX, 2016. 

Since you have opened an XXXX card with different terms and conditions prior to receiving the XXXX mile bonus offer, we regret that we are unable to match that offer to your current account. '' After several messages back and forth, Chase Bank refused to honor their offer of XXXX XXXX miles, the terms of which I had already fulfilled. My position is that it is unacceptable to impose additional requirements on a consumer for an additional benefit, and then refuse to provide that benefit when the consumer fulfills the requirements of the offer.
I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by US Bank at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet US Bank Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XX/XX/XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
equifax has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your Equifax credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me
I been asking Experian, XXXX and XXXX XXXX to validate the account from XXXX XXXX sinceXX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
I have had numerous issues with this company ( Ocwen ). I have XXXX issues now : 1. Ocwen has been charging me an extra {$50.00} per month for no reason. I have asked what this {$50.00} is for, but have received no response. 
2. I have had this loan for years and the payment was always automatically withdrawn from my bank account. Then, suddenly and without prior notice, they stopped making the withdrawal. I was on vacation when the letter notifying me of this was sent. When I returned home, I made the payment. However, they still charged me a late fee of {$140.00}.
I have XXXX XXXX XXXX accounts that are over 7 years old that I want removed and also XXXX put a judgement on me after it was on me as a collection for 7 years. 
Also, I have a tax lien that is over 7 years old and should be removed from XXXX county. All of this is on all XXXX of my credit reports.
I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.
I have disputed the items in question and also filed a complaint against the collection agency. Collection agency indicated that they are not reporting and not sure why its still showing on my credit report. I just want the items in question removed.
CCS AKA CENTRAL CREDIT SERVICES INC AKA RADIUS GLOBAL SOLUTIONSPosted in : XXXX & XXXXXXXXWeb site with alleged contact info : XXXX lists them as an accredited business with an A+ rating and XXXX complaints : XXXX ... XXXX page : XXXX 
XXXX lists the head criminals in this organization : XXXX ... XXXXXXXXCheck out the CCS Companies listed at multiple locations & phone numbers above after reporting the callers still Received Scammer/Harasser calls from ( XXXX ) XXXX XXXX in XXXX, MA. ( CCS Companies on Caller ID ) that constantly call for the last 10 years - most recently on : * Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Fri. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX from ( XXXX ) XXXX XXXX XXXX ( Debt. Collector ) looking for XXXX XXXX or XXXX XXXX to call her at ( XXXX ) XXXX these Debt. Collectors have my phone number seeking the people who formerly had my phone number & I 've called back to let the Scammer/Harasser know this is the wrong phone number & they can find the " Persons of Interest '' on XXXX XXXX XXXX since XXXX XXXX is currently XXXX - I do n't answer unwanted Annoying Phone Calls on my unlisted number & Reported to XXXX.
I sumbmited a complaint on 21 st mortgage THERE RESPONSE WAS THAT WE SINGED THE CONTRACT. THE CONTRACT SIGNED WAS FORGED BY XXXX XXXX IT WAS A FORGERY!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ACCOUNT NUMBER XXXX PURCHASE XXXX 2010 WE DID NOT SIGN ALL OF THIS CONTRACT I HAVE THE PAPERS SHOWING A FORGED SIGNATUREW OF MY NAME!!!!! PLEASE RE CONTACT THE M THEY NEED TO SETTLE THIS COMPLAINT WE WANT SOMEONE TO CALL US!!!!!!!!!!!
Past due balance that they are not willing to help me with, call me up to 7 times a day starting at XXXX  sometimes and ending at XXXX. Today they have started calling distant family members who I haven’t talked to in years. This is beyond harassment!
I called the creditor today to ask what this was concerning and was told by a rep that this was for a medical bill at XXXX XXXX XXXX. I have never been to this facility and I am almost definite that I did not go to the ER on this day. Also, the entire time I lived in GA I had XXXX so I 'm not sure why I would owe a medical bill.
I have XXXX hard inquiries on my XXXX report and 6 hard inquiries XXXX report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information
I had my student loans with XXXX XXXX at first then Navient took over. My student loan went from about XXXX to now {$37000.00} plus. I could not afford even the IBR payment at the time and had to keep my loan in forbearance. I would call and tell them that I could not afford the payment and they would not help me telling me there was nothing more they could do for me. Then 2 years ago when student loan forgiveness was in the forefront I called to see if I was eligible and now I have my loans with XXXX. I struggled months and months of making payments to XXXX/Navient. I was wondering if I would be eligible for any monies if Navient has to pay a fine and would give students back monies for their scary practices? I will never get my student loan paid off but I am eligible for loan forgiveness in 10 years because I work for a XXXX through the Public Service Loan Forgiveness program What is unfair is I have made many months of payments to XXXX XXXX and when I found a way to be able to get my loan bought from XXXX I had to start over making payments that would have counted for student loan forgiveness 10 years of payments. XXXX XXXX was not very helpful when I asked them for help when my loan was with them. I know I accured many late payments because of trying to stay current on my loan with them. Any help would be appreciated.
XXXX managing XXXX student loan XXXX reported delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This loan is in deferment as student is back in school fulltime and has been in deferment since XX/XX/XXXX.
On my last correspondence with XXXX XXXX for account XXXX, I clearly requested for the said account to be validated properly. I do not have any knowledge of this account and I am practicing my rights to request for a debt validation. More than 30 days had already passed and still I haven't heard from them and did not receive any proper validation for this account. I believe that this is a clear validation of FCRA and FDCPA.
Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.
I was involved in an auto-accident in XXXX XXXX after being hit by another driver in traffic. As a result, I went to the hospital for XXXX immediately following the accident. At the time I was not covered by medical insurance so the policy I was under covered the bills plus sought reimbursement from the other driver 's insurance company. There was some confusion around this as the hospital and insurance companies failed to communicate with each other properly. 

I have not heard from any parties re : this matter until 3 weeks ago when I received a notification on XXXX of my credit monitoring services that a debt collection agency had filed a collection account with all XXXX credit reporting bureaus. I had not received any mail, email, or phone call from this agency threatening such action and at the time, I had no idea what the debt was relating to. After sending a request for debt validation, they sent me a copy of the hospital invoice which states quite clearly " no response '' from insurance company. 

I contacted XXXX ( my insurance at the time of the accident ) to find out what was the outcome of the claim. Their response ( which I have in email ) states that all debts had been paid to the hospital, but they had the case still open on their system because there may have been a double billing issue ). 

I have already been penalized XXXX pts on my FICO score because of this matter which has caused me to cancel a consultation re : a personal loan for my wedding on XXXX XXXX, XXXX because of a significant hike in interest. 

I will be informing said company in the coming days that they need to take immediate action to rectify the damages to my credit report.
Experian has refused to investigate and remove HARD inquires on my credit report, that I did not authorized.
I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine
Last Friday XX/XX/2018 a payment came through via ACH for {$120.00}. There was {$64.00} in the account when it came in and put it negative a few pennies over {$65.00}. I was able to deposit enough funds to cover the negative amount by XXXX CST and the transaction was still returned to the source and I was charged a {$35.00} Returned Item Fee. 

Wells Fargo seems to not have a reason to why they pay some items versus return other items. Two weeks ago I had three transactions come through that made the account negative for {$50.00}, {$18.00} and {$9.00}.?? / Wells Fargo paid the three and no fees were Incurred. I asked the rep when calling in today why they returned it when there were adequate funds in the account to cover the transaction before close of business. 

The rep told me she has no idea and doesn't know what to tell consumers and blames it on a " system '' issue. I asked for a reversal for the {$35.00} returned item fee, as it should have not been returned as there were funds before close of business. 
She put me on a few minute hold and came back and said they will refund 25 % of the fee itself, I denied that and it escalated to XXXX who was a supervisor. XXXX said he can have 75 % of the fee refunded. This is a slap in the face to me as a consumer because they are negotiating a fee I should have never received and wasting my time to do so. 
After hundreds of millions in fines they still have grey-area policies in place to bilk consumers out of more fees. By the end of the call XXXX did state he was able to refund the entire fee. 

I am filing this complaint to notify the CFPB that this is currently going on at Wells Fargo and feel that there are many more consumers that are having to play auctioneer with Wells Fargo to get their own money back.
I signed up for this Gold Delta Skymiles card in XX/XX/2018. It offered XXXX miles after spending {$3000.00} and a {$50.00} statement credit after my first Delta purchase. I didn't receive the bonus miles or that statement credit because American Express said I had held the card before. The terms of the offer never mentioned that I would be ineligible for the offer because I had the card before.
American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.
Since XX/XX/XXXX Higher level processing has been taking {$20.00} each month for payments that were supposed to be going to XXXX XXXX XXXX, saying that it was going to be going towards my loan forgiveness but that I'd be paying XXXX because of my financial difficulties. They took fees of XXXX out of my bank account from the months XX/XX/XXXX. They said the processing fee was {$590.00} and the monthly maintenance fee was {$19.00}. The " advisor 's '' name is XXXX XXXX.
The reason why I am disputing this matter is because there is inaccurate information on my credit report. The information that is inaccurate is a late payment against me from Kohl 's department store. I contacted Kohl 's department stores regarding this matter and they agreed and removed the late payment on my charge card, unfortunately it was not removed on my credit report. I contacted XXXX and it has been 30 days and the dispute is still open and unresolved. This matter is affecting me because I am in the process of buying a house and the bank needs to see a resolution on this matter or I will be denied a mortgage. Please look into this matter and contact me if needed.
This is a continuation of complaints filed regarding the collection of my alleged student loan from multiple debt collection agencies. It appears that, once a CFPB complaint is filed against XXXX collection agency, XXXX XXXX simply assigns the debt to another collection agency. Prior case nos. include XXXX ; XXXX ; and XXXX. 
I have determined that, in the newest set of phone calls, I am being contacted by Regional Adjustment Bureau ( RAB ) who has made call to various third parties asking for my personal information including my maiden names, marital status, work address, personal address, and have revealed that they are attempting to collect a debt and are trying to communicate " an offer '' to me. Interestingly, they have MY phone number and email address where I have requested that all communication be in writing. 
Specifically, they have called and requested information from the RECEPTIONIST at my office and have not called ME and left a message at all. The attempt to speak to co-workers and reach me at work is an attempt to embarrass and harass me as they have no actual intent of extending any " offer '' to settle our dispute given my prior demands. 
Recently, through 3rd parties, I had been given a name and number ( XXXX XXXX - XXXX ) who was attempting to communicate " an offer '' to me. When I called this generic number, " XXXX XXXX '' was conveniently on vacation but another fast-speaking debt collector demanded identification information. Since random collectors have no historic information about my challenges to the amounts owed, I told them that I would call XXXX XXXX back. Having done so on multiple occasions, I doubt that XXXX XXXX exists. 
I would reference and incorporate the prior complaints made to establish the long standing dilatory tactics used to collect this debt rather than providing me with the documentation I had previously requested, including ( but not limited to ) the details of an {$11000.00} payment received on the debt that was not credited to my account, and the explanation of late charges on my account AFTER payments were received which continued to accrue interest, etc etc. 
I have communicated my own offer to compromise with XXXX XXXX and its debt collection agency XXXX, without any communications in response. 
The contact with 3rd parties who are requesting my personal information must stop. The contact disclosing their attempt to " make me an offer to resolve a debt '' must stop and is in violation of the FDCPA and TCPA
On XXXX XXXX, XXXX. I received a call from XXXX at East Point Recovery group. My phone disconected as I was talking to him before he even had a chance to say what the call was about and inmediately he called my sister exactly 3 minutes after and then my husband. He told my sister to take a message for me to which she said she wasnt interested but if she was I am sure he was ready to disclose my debt. I do not want this company to contact me or anybody who is related to me let alone share personal information. XXXX voice on his voice mail was rude and I have no desire on having any type of contact with him. I know theyre not supposed to harrass me or any of my family members as well as not supposed to offer to leave messages for me with anyone so I hope this issue is solved.
I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.