WillisBack/dataset-financial-user-claim huggingface dataset:
I 've opened a Mileage Plus Visa credit card with Chase. I got a mailer that states, that I will receive XXXX bonus miles after I spend {$2000.00} within the first three months. I got only XXXX bonus miles. I opened the account one year ago, but never looked at the miles portion, so it was recently when I discovered, that I was n't awarded the miles promised. So, I called the customer service line to ask why i was n't awarded the miles that were on the mailer. The answer I got was : " Because that offer was only for new customers, and since my husband had already a miles card and I was a authorized user under his account, the offer was not available to me. The mailer however, has my name on it. The answer for that was, that the marketing department does n't communicate with the department that sends out those mailers, and they do n't know who has a card and who does n't. I consider this mistake as a false advertisement because in this case, something was promised, that later denied based on internal company miscommunication.
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 and XXXX  XXXX.
XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX  maintenance fees without ever getting request for payment from XXXX XXXX. Please see below.
Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX.
Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment.
XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX.
XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.
My name is XXXX XXXX XXXX, but I was XXXX XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back
I started a bank account checking account because I had no other options. I was on XXXX. I do n't remember signing up for overdraft protection and I git hit with multiple overdraft fees. I think they reversed XXXX XXXX I got hit with over XXXX fees in a row, I hen asked then to turn off overdraft but they continued to charge overdraft fees on subscriptions I had. They said I have to have the balance current. There is no branch in my state so I ca n't make deposits either to make my account right. I asked to close the account but they refused. Now I will be charged negative balance fees. Please see my statements. I do n't mind paying a couple fees but they just do n't stop. I cant get them to close the account I am trying to make a new start I just filed my BK case today and I am low income. This is not helping me. That 's why I chose Suntrust.
I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX  ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 )  XXXX XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX )
This XXXX XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. XXXX has been asked to correct this inaccuracy. XXXX and Experian have also been notified to correct the false information but have not.
The issue is with TransUnion. On XXXX/XXXX/2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana, XXXX did make an inquiry on my credit without my permission. I had only inquired with the dealership about a vehicle they was advertising on the internet, of which they no longer had in stock. I did not give them permission to make a credit inquiry on my behalf with the credit bureau TransUnion, XXXX, or XXXX. I have filed a dispute with XXXX. TransUnion refuses to help me at all. Plus TransUnion does not provide a 'English ' speaking person for me to be able to communicate with. Please help resolve this bogus credit reporting issue with TransUnion.
I submitted a check made out to me personall y (  check on  XXXX   XXXX  made payable to  XXXX   XXXX  in the amount of {$7500.00}, for deposit to a corporate account on which I am the sole signatory,  XXXX . Have done this abou t 100 ti mes before. Deposit was refused. Told by  XXXX   ( r efused to provide further id ) that this could not be processed.
We started the process of a refinance with cash out on XXXX. We were told that royal united mortgage could close the loan in 7-10 day. XXXX XXXX said he was confident that we would close close to XXXX. Since that time I have been met with false promises and excuses as to why we have to push the closing back a few days. I 've had to fax them the XXXX XXXX times! After the XXXX time, I ended up going to the local IRS building to obtain the transcripts myself. Every day we were held up on some form that I had already faxed them. Every week on Monday, we were told we 'd close by friday ... Now 7-10 days has turned into almost 45 days. The customer service was stellar to begin with .... now as my frustration grows we 're being treated to annoyance and disdain. It seems like they were great until we were committed to this loan. Now I ca n't even get a straight anewer on if we 're closing with an attorney, a title company, or a notary. I just keep hearing, " no worries, we have companies that we work with regularly ''. This is just all around BAD BUSINESS!
Repeated phone calls, like one every hour. I have asked them to stop calling with no resolution. Also have filed complaint before, which helped a while. Also got calls on Sunday.
Portfolio Recovery Associates is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Portfolio with supporting documentation and received an unacceptable response from them. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor. I have attached a copy of my credit report showing where Portfolio has inserted a multiple tradelines in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Portfolio Recovery certified return receipt requested.
I sent two cease and desist letters to XXXX XXXX XXXX concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.
I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.
I am uploading 2 different copies of my credit report to prove that XXXX credit reporting company is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX is a fraudulent account I have disputed this numerous times. It has been removed off my XXXX credit report which I am uploading proof. XXXX sends me the before and after dispute results and all they did was add I am disputing this as a fraudulent account. After research and contacting legal advice I was told by my attorney any fraudulent account is to be removed from my credit report. Another discrepancy is my XXXX account. On XXXX it is showing as account that is negative and will go to a positive in the year 2022 well on XXXX   it is showing as account paid as agreed and account that is satisfactory. XXXX  I feel is not doing any investigation on my disputes. If they did this matter would have been corrected and resolved already. My XXXX report looks horrible because it has all incorrect information. It is affecting me in obtaining substantial credit. However on my XXXX report there is nothing negative as it should be reporting. I am constantly having problems with XXXX  in getting them to correct the completely wrong information on my report. They dont care as its not there name being ruined its my name.
An collection was placed on my credit report for XXXX in the amount of {$940.00} by XXXX XXXX XXXX XXXX. The collection was disputed and removed by all credit agencies. Less than 2 months later, Diversified Consultants resubmitted the XXXX collection, now for a different amount of {$950.00}.
I signed up for a 0.0 % interest 6 month financing from American Express in XX/XX/XXXX. 

Every single bill since then I have had to call in because I am still being charged interest. I would call each agent at American Express and ask specifically WHAT AMOUNT DO I NEED TO PAY to keep my promotion and not be charged interest? They would tell me some story about some previous balance in XX/XX/XXXX ( although prior to this promotion I have ALWAYS paid my balance in full for the LAST SEVEN YEARS ). Each time I called the agents would tell me an amount I needed to pay to get rid of the balance that was being charged interest, so I would pay that amount plus more. The next bill comes in, and I'M STILL BEING CHARGED INTEREST for a 0.0 % financing promotion. None of my bills clearly stated the amounts I needed to pay to stop being charged interest so I kept paying more than the existing balance and more than the minimum. 
I tried to file a complaint with the agents at american express and no one has ever gotten back to me. I called again today and even the agents don't understand how I'm being charged interest or how the previous agents told me an amount that was not accurate to clear my bill. The latest story I received today was an agent " guessing '' that I was being charged interest because I signed up for their promotion in the middle of a billing cycle ... .again I AM THE CONSUMER how is it my job to decipher when I sign up for a promotion and how it affects my bill? If XXXX can not clearly and accurately bill me or tell me what I need to pay when I call, and I pay what they tell me to, this is not my fault. Clearly their system needs to be fixed. 

I find this a very misleading and unethical business practice, and if I am having this much of a problem that I need to call every month, I can only imagine how many thousands of other consumers american express is taking advantage of with their shady billing practices. 
They should not be allowed to advertise and have people sign up for a 0 % interest promotion and erroneously charge interest. If they are going to charge interest they need to be CLEAR AND PRECISE in their billing statements on the total amount that needs to be paid in order for interest not to be charged, because apparently every agent I called and spoke with had different ways of coming up with calculations and every time told me an incorrect amount. 

I don't have all of my past phone records but I do know that I contacted XXXX on XX/XX/XXXX and multiple times with various agents on XX/XX/XXXX which is also when I filed a complaint. And again today on XX/XX/XXXX.
I contacted Experian for dispute on my credit report, they were unable to locate my file.   I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File number.
I have been the victim of identity theft the following inquiries are unauthorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
On the advice of an Ocwen rep, I made a XXXX payment on my mortgage.  They told me that there was no scheduled payment in their system though I swore I had made one.  A couple days later, I checked my bank account and found that there were XXXX ACH's pending, so I put a stop payment on XXXX of them.  The bank charged me $32 to do this.  I have sent the proof to Ocwen and they have gone back and forth with me.
Netspend sent me an unsolicited prepaid XXXX. The document and card are misleading. I thought this was related to an irs scam as this is tax season and a common problem. Ultimately this looks like an elaborate and purposefully misleading ad. But that doesn't change the fact I spent hours trying to understand what is going on and that I needed to call to cancel the card I never asked for. This is ethically wrong if not illegal.
Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.
A hold was placed on my saving account ( XXXX ) because my institution said I was making more than XXXX transfers a month. XXXX, XXXX XXXX, 2015 I was stranded in XXXX NC with no idea what was going on. When I was finally able to get speak to someone. I was informed I am being penalized or punished because I have made to many transfers. First, I never knew it was wrong to use money I work hard for. Second, because the bank put a hold on my account, and closed off my savings as my overdraft account, they caused my checking to have NSF. Then they charged me NSF fees for something they did. How do you penalize, and steal from hard working people who need their money. I can see if the money was n't in my accounts, but to do intentional damage to your client ; and, then penalize them for your actions in wrong. I pay my bills online, because I work long hours ; and, to be told you ca n't get any money via the ATM, and you ca n't use your ATM card is wrong. I work hours that exceed normal bank hours ; and, it 's wrong to penalize hard working, law abiding citizens ; and, then justify stealing their money because of a hold you placed on them. I have money in my account, and I want my money back for those NSF fees.
I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.
I closed my account a few years ago. When I closed the account, they advised me to cut up my card, which I did. I now want to complete a balance transfer with another company however ; the full account number is not printed on my statements. I called customer service to ask for my full account number. After I fully verified my identity, I was told it was against their policy to provide the number over the phone. I asked to speak with a supervisor. I was then told it was against policy and she could not see it because the account is closed. I asked if they could mail it to me, she again said no. Now, I have no recourse to get my account number and am stuck paying this high interest fees when a balance transfer offer I received ( limited time ) has zero balance transfer fee and zero percent interest for 18 months. I can not afford to stay with Capital One and they will not provide my account information so I am forced to continue to do business with them. In addition, my account is closed, so the full account number would not do any fraudsters any good, plus I wasn't asking for CVV and expiration date, which would be needed - if the account was even able to have charges added to it. Please help, I need this resolved so I can take advantage of this other offer and save money. It isn't fair that Capital One will not allow me to take my business elsewhere.
I call the debt collector to see if I could negotiate a payment plan for the amount that they list on my credit report XXXX $ and I ask them if they can send me an actual bill so that I can get a load and pay them, than a week later they serve me a court Oder in the amount of XXXX $
I was trying to work with Capital One previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to XXXX XXXX XXXX and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.
Receivable Management XXXX XXXX XXXX XXXX, SC This company has been reporting on my report and calling me but not verifying information. They will not verify who they are without me giving them confidential information.
On  XXXX   XXXX ,  2017 , I timely paid {$300.00} against the balance of this card. The payment was made electronically from my  XXXX   XXXX  bank account. On that date, I learned that fraudulent debits had been placed against my  XXXX   XXXX  account.  See Complaint Number   XXXX  for further details.     On  XXXX   XXXX ,  2017 , while I was in a meeting, I received a message from  Key  Bank about my account. When I was able to access my computer, I saw that the payment had been reversed by  XXXX   XXXX . The reversal was a mistake on the part of  XXXX   XXXX  due to the fraudulent debits, as discussed in the C omplaint Numbe  XXXX  above. I went to  XXXX   XXXX  and met with my banker and the Manager, who elevated the problem to the  District Manager . There are no   Key Banks   in the State of Florida so I could not go to a   Key Bank   and their office was closed when I called on Friday afternoon. I called   Key Bank   again on Saturday and was told that I should make a payment and then call back to have the fees and interest reversed and the account corrected.     Since I could only make a payment online, and no longer had a checking account to use due to the  XXXX   XXXX  problem, I had to make arrangements to use another account. I made those arrangements and made the payment again to  Key  Bank on  XXXX   XXXX ,  2017 . I then called Key Bank to have the fees and interest reversed. I was told by "  XXXX  '' that they could reverse the late fee as a one time courtesy, but would not reverse the interest because it was not their fault. I was also told that they could not correct the account to reflect that I paid timely.     Any reporting of this matter to the credit bureaus is a violation of the Fair Credit Reporting Act. Further, Key Bank failed to timely notify me of the reversal. In addition to the late fees and interest, I have now spent additional billable time trying to resolve this matter.
I went in to XXXX to view hotels for the night XXXX. The prices were a bit on the high side, but I saw an advertisement for a Chase Co-branded card that advertised a statement credit of {$50.00}. The advertisement showed the price of the room I was interested in booking, the statement credit, then showed the price of the hotel room with the statement credit applied. This made more sense to my budget, when coupled with the promise of triple rewards points, and the price of the hotel going toward {$1000.00} in spend needed to get me to the XXXX free hotel rooms ( which I could use toward my upcoming honeymoon ), it made more sense. I applied and was approved for the credit card. When I clicked to return to the booking phase of my hotel purchase, it did not apply my hotel purchase to the credit card, no account number. I called into cardmember services who informed me that there was nothing that they could do. They suggested that I call back the next day and maybe the employees could help me call into XXXX to book the room. I did, and they did not. Multiple employees told me " this happens all the time with our partner cards. '' I feel that this is deceptive marketing. I am not getting the statement credit applied toward this purchase as the advertisement led me to believe, I can not get my triple rewards points toward another hotel stay, and it will not go toward my {$1000.00} required spending to get my XXXX free hotel nights or my XXXX bonus points for adding my fiance as an authorized user. Chase comes out ahead while I ran my credit for a card that is not going to help me in the ways the advertisement suggested. At this point, it is hard to put a dollar amount on what Chase falsely advertised. If I do n't reach my {$1000.00} in spend in 3 months I will miss out on my XXXX free hotel nights. This is at least {$600.00} with XXXX, not to mention a potential XXXX night ( {$300.00} ) with the XXXX earned for adding my fiance as an authorized user. Plus my plans are now changed because of not being able to book the hotel room at the price that was advertised.
The call multiple times a day- i do not know what debt they are attempting to collect as i have received no prior written communication from this company.