WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for an American Express XXXX card on XXXX XXXX, 2016 with a bonus offer of XXXX points for meeting the spending requirements within 3 months. I met the spending requirements prior to the end of XXXX 2016. I was awarded the bonus points on XXXX XXXX, 2016. I have been trying to transfer the points to an airline transfer partner to book a flight for XXXX. However, my points have been under investigation for a while now, and I am still unable to use them. To make matters worse, this investigation has caused all of the points that I earned from my other American Express cards to be unusable as well. Meanwhile, the flights keep on filling up as I wait. What I want is for them to speed up this investigation process or allow me to use the points that I earned from my other American Express cards.
Midland Funding LLC, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$160.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.
i was told by so XXXX XXXX that collection activity would start 60 days after the date of the final bill which was XX/XX/XXXX -- barely a week later I was contacted by ic systems who started by asking personal verification questions .. I acknowledge i am XXXX and asked more than once who she was and what her call was in reference to she continued to sate it was a personal confidential matter and asked for more verification questions I told her I was in public and would not spout off persona info. I asked her again for the company info and stated I would block the number form calling me if she did not answer my questions she did not so I hung up in her face. In an age of fraud and identity theft and phone scams I doubted this was even a legitimate call until I called back in. I do not wish this company to contact via phone at all .. not at all until the time frame specified by the gas company
this company has ran my credit three times in the last 3 years, all three times the information they posted was fraudulent and extremely inaccurate. as of XX/XX/2018 my credit scores listed from four different sources all match right down to the number on all three credit reporting agencies, XXXX= XXXX, XXXX=XXXX, and XXXX=XXXX from the agencies themselves, furthermore XXXX, XXXX XXXX, and XXXX XXXX  creditwise all state the same numbers too.

factual data is factual XXXX and factual fraud, they listed numbers 35-55 points lower than what it actually states on the reports, because of this it has stopped me not once but more than 3 times buying a house. I am a vet and a XXXX one at that I am tired of companies like this making it impossible for vets and folks like me to secure a home, and this is a direct violation of my 14th amendment rights and the fair credit act.

this company has a history of complaints from the XXXX to the consumer alert agency of running unauthorized credit checks to illicit, incorrect, or fraudulent information to mortgage companies complaints from several individuals
I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction  (  s ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Since XX/XX/XXXX, I have experienced fraud with my Capital One credit card. Numerous cards were sent to people calling in as me. 
Cards ending in XXXX, XXXX. I had credit card XXXX until they recently deactivated it. I was charged fast card fees for cards that were not requested by me. They have since been reversed. 

I made a XXXX payment on XX/XX/XXXX. I called on XX/XX/XXXX to see if payment was received. I learned the card I was carrying was deactivated and a new one was issued but not by my request. And I was never informed the card I was carrying was deactivated. 

It has been very frustration to have continued problems occur when security measures should have been put in the place during the first incident back in XX/XX/XXXX. But they werent. 

Ive had to file two Better Business Burea reports and a report with my States Attorney office just to get a response from Capital One. 
They are not customer service oriented. They arent interested in helping their customers. 

Today, I received a call from them only after I filed a second BBB report. They told me my account doesnt offer a settlement based on fraud. This reasoning is ridiculous especially after added security measures were put on my account, they continued sending out new cards to the people committing fraud. 

I would like a settlement on this account so I can be done with Capital One. I would also like some kind of permanent public remark left do other consumers are aware not to apply for a credit card with them.
I hold a checking account with Capital One Bank that has an associated overdraft credit account. 
Both accounts have been and are in good standing for over 20 years. 
Out of the blue, I receive a letter from Capital One stating my overdraft account has been cancelled because of a dispute I am having with one of their competitors. 
I reiterate, my Capital One checking and overdraft accounts are both current and in good standing. 
Is this not a case of collusion and antitrust? 
At the very time when one might need to be balancing funds between one bank to fight another bank, they collude and pull the financial carpet from under you.
Creditors Collections Service contacted my mother in regards to a debt that I still owed and had no idea that I still owed any amount of money because I hadnt received any paper documentation stating that I still owed {$3500.00} for a combination of medical bills. About 5 or so years ago, my father tried to get the debt settled in order to get it off the books so I could quite worrying about it, but the company refused to settle and came up with different excuses as to why we couldnt get the debt settled so I would stop paying on it. Up until last month, I had been paying $ XXXX/month through my banks online bill pay. Once I stopped paying the company the {$5.00} & decided to put the {$5.00} elsewhere, they started to call and harass my mother about the debt that I, the patient/person who was on the account still owed. I called them back and stated that I had stopped payment due to not receiving any paper documentation in at least 2 plus years stating how much I still owed on the account so I was unaware until Friday, XX/XX/XXXX, that I still owed them the {$3500.00}. They stated that their system wasnt set up to send out bills for any monthly payment under {$25.00}. They asked if I was going to pay the {$25.00} and I flat out told them no. The highest amount that theyll be receiving is {$5.00} a month again.
Equifax Credit Report has two jobs on my report I did n't work at. My father work those jobs. I am too young to work them. There is a XXXX in my name and not in his. We are named the same beside that.The jobs are ... .XXXX XXXX and XXXX XXXX
The escrow account was negative in the amount of {$1000.00} for homeowners Insurance was XXXX payoff. I do n't agree with the amount.
Hi, Pursuant to m y original complaint  XXXX , and follow-up to the response listed by Chase, I am filing a new complaint regarding the placement of unauthorized charges in dispute.     As part of my request for resolution, I have asked on many occasions the documentation Chase received from  XXXX , however this is never provided. In addition Chase is using in their decision determination, my preliminary order request which I submitted for documentation of my purchase with  XXXX , however, subsequent to this, I have provided to Chase the FINAL & ACTUAL online receipts and confirmation of purchase from  XXXX .     In addition if Chase had researched this matter fully per my original statements, Chase would see my  XXXX   XXXX  purchase on my  Chase Marriott VISA   XXXX   XXXX  billing statement. Chase would also see from their records and database that at no time from date of purchase to account closing ( or since ), has this charge ever been credited, voided, reversed or refunded.     I have also attempted to contact  XXXX   XXXX  at  Chase Executive office s and left him voicemails on several occasions this his initial notice to me on  XX/XX/XXXX  that he was in receipt of my complaint, however, he has not responded or returned my calls.
CFPB PLEASE PLEASE INVESTIGATE CHASE BANK AS THEY ARE STEALING MONEY FROM MY ACCOUNT!!!!!! 

my account was negative on onXX/XX/XXXX for {$67.00}. my daughter transferred {$70.00} by their cut off time of XXXX and XXXX XXXX eastern time. the money was in the account by the XXXX XXXX cut off time and per the last cfpb complaint I filed against chase I had the money in the account at the time they had stated. 

today, XX/XX/XXXX I 'm looking at my chase account and they charged me 2x {$34.00}. I am living off a fixed income and can not afford for the bank to cheat and steal my money so much. 

I asked them to reverse it and they came up with pathetic excuses that quick pay is different cut off time. how would the consumers know about their rules and regulations when we do n't work for chase!!!!!! I was told the last supervisor whom I spoke with, XXXX, and she did n't care to reverse the fees. These fees do not belong to me!!!! I followed their instructions on the time to have the money into the account and now they are trying to find another excuse to steal from my account. 

CFPB I am asking you to investigate the practices of chase and to not let them to continue to harass, cheat and steal from hardworking individuals. {$70.00} is a lot of money to pay for fees when the funds were in the account by the cut off time and I had complied with their cutoff times of what they had advised me in the past! 

I forgot to include, I talked to XXXX XXXX, who was a manager and she brought past overdraft fees which are irrelevant to the issue at hand. the issue is whether or not this current overdraft fees should have been assessed and the answer is no. in a court of law if past overdraft fees were presented as evidence to slam the character then it would be denied so what gives this manager the right to include it in assessing the refund of the fees. 

my money was transferred into the account by the cut off time and thats all that they should look at and the fees should be reversed.
Equifax has deleted the account  XXXX   XXXX  and then it reappeared the next week.
-Att Loan Servicing Complaint on Wells Fargo Bank VA Loan Short Sale ( I feel like Wells Fargo Bank is not doing their best to assist me with my VA short sale. ) Hello, This VA short sale is being completed because of the value of my property going down while I was in the Military, I was unable to attempt to sell my home and move my family away from my XXXX when I got out because of the home market values/compared to what I owed on my home. 
This is the second attempt at completing a VA short sale with Wells Fargo Bank ( first one failed because the offer was not 85.05 % of the total appraised value of my home required by VA ). I have learned all this process by talking with VA and doing my research online for VA short sales. The appraised value was higher than fair market value. So when the first Short Sale failed, I went to VA for a reconsideration of Value and have received a new appraised ( fair market value ). I currently have a new offer on my home for a second attempt at a VA short sale. This offer was signed on XXXX XXXX 2015, and I and my Realtor have been sending in paperwork to Wells Fargo Bank like crazy. I will say that we had some issues with being able to fax the documents that were required to start the VA short sale process, IE bad copies, blank faxes. During this process after about 2 weeks of doing this I asked if there was another way to send the documents in to Wells Fargo, they said the only way was to Fax it in. I then talked to a different person from Wells Fargo after all the Fax attempts failed and they said, " Yes you can just send them to me in a secure email ''. After all those failed Faxed attempts, and almost 2 weeks later, it took me XXXX minutes to email the documents in. ( No communication, why did they not tell me this ) One of the big problems is that I will ask Wells Fargo if there is any paperwork missing? Is there anything that my Realtor needs to send in? what do you need from me? I have been calling Wells Fargo almost every day for the past 3 weeks checking in to see if there is anything that needs to be done. Today XXXX XXXX 2015 I made my phone call and was told that page XXXX of the Hud 1 Agreement was missing. Myself and my Realtor had turned this paperwork in weeks ago, and every day I was asking was there any paperwork missing? are we good to go? And the answer I was always getting was they are still reviewing my short sale, ( for the last 3 weeks or so ). I am afraid that I will lose this offer on my home, my Realtor has informed me that the buyer has to move out of there other home soon. At this rate I am unsure if we will make the current closing date of XXXX XXXX 2015. 
I just want to ensure that I am receiving the best help from Wells Fargo Bank with this VA short sale. I have never missed a payment on my current home, and I have been a loyal customer as long as I have been with Wells Fargo Bank. 
Thank you for your time14 year Proud ( XXXX ) XXXX Veteran
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
I had/have a auto loan with Chase. In  XXXX  I had difficulties making payments do to a loss of work after a  XXXX   XXXX   XXXX . Then the vehicle started having significant mechanical problems not covered by the warranty. In  XXXX , Per Chase, I owed {$8600.00} total and they wrote/ charged off the account, I was never informed of this until recently and my understanding is this  XXXX  should have been issued in  XXXX  or  XXXX . I tried communicated with Chase at various points between now and then. I asked to communicate through email as it was easier because I worked nights at the time. I was ignored. Other then collection notices and a late night visit by a repo man, he was arrested, I had no contact with Chase. Fast forward to the present. Chase issued a  XXXX  for {$8300.00} to myself and the IRS , Date of Ide ntifiable action is  XX/XX/XXXX . I included it in my taxes. Now Chase tells me I owe them {$8700.00 } ( {$8300.00} plus interest ) to  close the account as the debt was not canceled or discharged like their  XXXX  form states. Chase informed me I still owe the debt it was not canceled, discharged, or forgiven. Chase then stated that when I pay it off I can fix it later with the IRS. If I do not pay it Chase states they will never do business with me again and my credit report will suffer. Chase refused to issue a fix/retraction for the  XXXX  that they state does not cancel or discharge the debt. The  XXXX  also states on the third page Chase sent me, " The IRS requires us to send you this form when we cancel {$600.00} or more of your debt in a calendar year. It can be all or part of your debt and can be issued as a result of Chase 's decision to discontinue collection activity and cancel your debt. '' Chase states my issue is with the IRS and not them. Chase states I still owe the debt even though it was  XXXX  and already claim as income on my taxes. Further, while researching the  XXXX  topic, it seems that it is almost solely Chase engaging in this ongoing behavior that allows them a tax benefit while also trying to collect a debt they discharged/canceled.
Requested Ally a car loan company not to contact my husband at his job. Also emailed them to stop calling my husband at his job. He is not permitted to get calls at work. I asked and sent an email to have it stopped.
I am able to pay my mortgage to Freedom. 
This is regarding Freedom soliciting a new refi. 
They called me at least XXXX times. The final time, I accepted. Then they took like XXXX months tostart the process, so I cancelled the refi. Nowthey are uncooperative. I understand that I am still aFreedom mortgagee, however they have beenuncooperative.
I have inquiries on my credit report that I do not recognize and I did not authorize that I will like to be deleted from my credit report.. Thanks
Sent several certified letter with documents as : proof of residence for the time period this identity theft occurred, send FTC identity theft report as well. Just obtain a police report in which I will upload.
Was adv by cfpb a few months back that this reporting would be removed in 60 days if communication was not heard from the original company. I have not received any type of communication mail or phone from this company and has never heard of them before or after the complaint.
When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.
I C System, Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXX XXXX, XXXX XXXX, MN XXXXXXXXSir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify I C System, Inc ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : I C System, Inc any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I got a letter from California tax fanchise board of unpaid state taxes from 2013. I called them and explained I 'm XXXX XXXX military and have been for 22 years. I have not lived in california for 22 years. I am exempt from paying state taxes for Califronia. They admitted it was a error right away and XXXX out the debt. However, the very next day a tax lien hit my credit reports. I have submitted to all XXXX credit reporting sites. The lien is coming back paid BUT will remain on my credit until XXXX. I called the fanchise board to have this removed and was told the XXXX XXXX office wouldd have to remove it. When I called them I was told no the franchise board would be the ones to remove it. The recorders office did say its showing on their end as a error. So why is it on my credit report as a released tax lien. I need help to get this resolved and off my credit reports. Thanks in advance for the help.
Received a call from phone number ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2019. The caller had a heavy accent but claimed his name was " XXXX XXXX, '' and admitted he was calling from XXXX ; the phone number is from XXXX, Mississippi. He claimed I owed a debt of about XXXX dollars to XXXX XXXX XXXX for landline services. I had had my landline disconnected three months ago, and have a hard copy receipt showing I do not have a balance. When I told the caller I don't owe a dime and would not pay, he made a vague threat to " take appropriate action. '' I do not know what was going on, but the caller had my name and address.
The owner of Credit Plus has a familiar relationship with my former employer Credit Plus ran my credit report without my knowledge and without my authorization I placed a phone to Credit Plus seeking employment with them I sent my resume never heard from the company today as I was checking my credit scores I see the company place a hard inquiry on my credit report I never gave this company permission to do this I never even met with anyone from this company they abused their power by running my credit report with my knowledge and or permission this is illegal
I went to check my credit reports and I have three collection accounts with XXXX that are reporting thousands of dollars in incorrect information. The information is stopping me from attaining new credit. I have made repeated attempts to call or mail XXXX  for verification with no response.