WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a claim on XX/XX/XXXX ( Card Benefit Services Claim XXXX ) for travel interruption/cancelation because I had to cancel the return flight booked with Chase Sapphire Reserve because my mother got sick on same day and admitted to emergency. I had to postpone my return and later rebook a week later. I filed claim with chase and sent in everything they asked including the claim form, the original round trip, the canceled one and the final flight and a letter from doctor. After 2 weeks, they replied back saying I should send this and that and they are all same thing I sent/emailed them 2 weeks ago. So I called on XX/XX/XXXX. and they said I should speak to a claim examiner and they are not available to talk and I should just wait for some calls or replies, On XX/XX/XXXX, Someone who introduced herself as XXXX , called me and told me they received everything BUT that XXXX XXXX paid for my return flight on XXXX XXXX . She says XXXX gave me XXXX XXXX points and {$88.00} first and I used those to book the return flight. I was like what? What 's this nonsense about XXXX booked my return flight on XXXX and XXXX gave me XXXX points and {$88.00} to book my return flight on XXXX? I have my own XXXX XXXX frequent flyer account and used my own XXXX XXXX points plus tax for XXXX people to book return flight from XXXX. You can see that in the email too.She Just made up a lie as an excuse to deny the claim. The original round trip was booked with my Chase credit card points on XXXX XXXX. I could n't return on return date due to emergency issue with my mother and XXXX XXXX would n't re-book my return flight. So I had purchase a new flight tickets on XXXX XXXX using my XXXX XXXX XXXX avios points & {$88.00} plus in taxes. I have sent you guys EVERYTHING, all the original flights, canceled flight and my return flight and how they are paid. The rep XXXX just lied by saying XXXX told her I was re-booked by XXXX on XXXX flight and that XXXX paid the return flight for me. I told her stop talking nonsense and read all the docs I emailed them including how I paid for the XXXX flight with my own XXXX airways points and {$88.00} tax. I told her bring on the XXXX rep on phone that told you they re-booked the return and paid for my return flight. She put me on hold for 30 mins or longer and did n't bring XXXX rep and disconnected the phone line. When I called back, it was another rep who told me " I can appeal my claim ''. The benefit dept is playing game, being dishonest and engaging in dishonest and deceptive practice and even lying to ignore or deny my claim.
Back in XXXX my mortgage company fail to pay property taxes for my house, and on XXXX XXXX my town was going to sell my house on a public sell due to unpaid taxes. I contacted the bank immediately and the taxes were paid including any late fees and penalties, but the next year they adjusted my escrow account. It increased by about XXXX XXXX dollars for about twelve months. My mortgage was sold to my present mortgage company back in XXXX. I had an escrow with the other mortgage company that had the founds to paid for the taxes and insurance for the year XXXX. I had contacted the bank several times with the problem, and I had been told that they are going to investigate, but nothing. When they adjusted my mortgage in XXXX ; I went late on my payments, right now I am 1.5 months behind with a bunch of late fees and penalties on top of that. I know that the mortgage company owns me the money, they made me pay when they adjusted my escrow account in XXXX, because that money was paid in XXXX to the previous mortgage company. 
Please contact me with any questions and help me please.
I disputed several inaccuracies in the information reported on my Equifax credit file, and the information was reported as verified. However, simple examination of the information reported makes it obvious that the information reported is incorrect as the timeline does not make logical chronological sense. Please correct the errors as they are reported. I am not disputing the accounts as to not to belong to me, I am simply the informational timeline as being inaccurate. 

1. XXXX XXXX Last Payment was XX/XX/2009 and not XX/XX/2009 as incorrectly reported. That makes the date of first delinquency to be XX/XX/2009 2. XXXX The date of last payment is missing completely from the credit report. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

3. XXXX Just as the account above, the date of last payment is completely missing. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

4. XXXX XXXX of XXXX {$290.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

5. XXXX XXXX XXXX {$5300.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

6. XXXX XXXX {$3600.00} The date of last payment listed here is incorrectly listed. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

All of the above accounts became delinquent in the same billing cycle of XX/XX/2009 as the last payments for all of my accounts were paid in XX/XX/2009. 

Thank you.
After successfully using rebates from merchants for years, I recently had the unfortunate experience of receiving several American Express prepaid reward cards as rebates. 

The company is at least misleading in understating that XXXX monthly service fees will be charged after 5 months from issue. There is no legitimate reason for a monthly fee. All notification of such fees is in minuscule print at page bottom or on the back of the card. It also says funds do not expire immediately after the monthly fee description. Why is that there other than to confuse or mislead consumers? 

I had cards of {$10.00}, {$15.00}, and {$50.00}. After trying to check balances, I learned the first XXXX cards were at {$0.00} and the latter was at {$44.00}. So I ultimately used ( received ) {$44.00} of {$75.00} in rebates because I was misled by the obvious expiration date on the cards ( 5 years from issuance ) and the " hidden '' fees descriptor. 

After checking all the sources I could, it seems these rebates are considered " free '' money and so there is no recourse that I can detect. 

I feel like AmEx mislead me from fully utilizing my rebates. Maybe it is free money for these unscrupulous banks, but not me. 

I do not believe banks should be allowed to deduct service fees on rebate cards. There is no justification for a passive fee. They are not managing the money. 

If they are deducting monthly service fees as if I had an account with them, then I should be notified as the fees are deducted just as if I were a bank customer. That is how they are treating these prepaid reward cards. 

People should be made aware that there are fees associated with rebate reward cards and these unscrupulous banks should be made accountable.
I called Wells Fargo and I needed XXXX fee waiver due to some issues i had on my end. I did n't want a recurring charge to go thru tonight and start a cycle of ol fees again. I am having issues with payroll ... ... and no at this point in time i can not fax proof of that to the gentleman that took the call due to the charge going thru XXXX tonight.
I am currently in the process of purchasing a home XXXX. My credit report is showing foreclosed mortgage from PNC that they erroneously recorded with the credit bureaus. Instead of the actual recording as per the deed of trust filed in the XXXX circuit in XX/XX/XXXX - PNC is reporting a late filed date to the credit bureaus of XX/XX/XXXX 

Kindly assist to resolve this matter.
Early in XX/XX/2018, I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE IT FROM MY CREDIT REPORT.
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months. 

They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified. 

Please help me.
I contacted rushcard   XXXX   XXXX   I had been expecting my card that day or the  XXXX  with my tax refund loaded on it. When I checked the status of my refund it said it was already sent. I contactacted rushcard and they had told me my balance was  XXXX  and I had recieved my refund on the   XXXX   XXXX   XXXX   So I disputed  XXXX  in unauthorized withdraws and charges. i had never recieved the card and someone had activated it. I gave them a police report number and started my dispute I was told within 10 day my account would be credited. That never happend. on the   XXXX   XXXX   XXXX   I was told they found no error in my dispute and I had to send a hand written rebuttle letter I also did that right away they claimed to never recieve it. Here it is the   XXXX   XXXX   XXXX   and ive emailed the rebuttle letter and faxed it every day since. They are not refunding my tax return. I never recieved that card and they are not helping fix the issue.
A collection for Transworld Systems was placed on my account. I requested for a pay to delete as it is effecting my overall credit score. I intend to apply for a home loan, and this collections account is effecting my score negatively. I have contacted the company on several occassions, and they state they can not delete the debt off of my account.

Please see information as follows : Transworld Systems with a balance of {$1000.00}
I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report
I 've filed multiple requests for incorrect data from American Express on my XXXX credit report to be corrected or DELETED. This data is for the two American Express Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing American Express ( see  attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months American Express has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!
I just started paying back my student loans in XX/XX/XXXX. I received my first statement from Navient with my amount due and due date and could n't believe it. The amount due was over {$900.00}. I 've called Navient multiple to ask if my monthly payment can be lowered and they wo n't due anything for me. All they tell me to do is have my cosigners call and give financial statements explaining why they ca n't help me pay back the loan and then they can see if I qualify for a repayment plan. So even if my cosigners called, there 's still no guarantee of lowering my payments. I explained to them that I do n't want to get my cosigners involved. I told them I want to repay my debt myself, but they need to work with me to make the payments more affordable. But as of now they still are n't trying to work with me in anyway.
XXXX XXXX is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but XXXX XXXX continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.
I am showing a {$0.00} balance on my card Rushcard. I have a transaction which is not mine, for {$53.00} and although it 's not a lot, it was my phone and grocery money to the end of the month. I have a dispute number from Rush that was automated and here is that information. This is an automatic acknowledgement to let you know that we have received your inquiry. Your ticket code is XXXX. Please use this code in any further communication. 

If your inquiry is related to specific account information or transactional information please reply with the following authentication information if it was n't already included in your first email : First NameLast NameLast XXXX digits of your Social Security NumberRushCard has recently updated our automated telephone system with several great new features! If you call our toll-free number, please pay careful attention to the new menu prompts to ensure that you choose the correct option. 

You will receive a response to your inquiry within 12 hours. If your request requires more immediate assistance, please feel free to contact us at the toll-free number below. 

To check your account balance and/or recent transactions, please visit us online at www.rushcard.com. 


Thank you, RushCard Member ServicesXXXXXXXXXXXXXXXX have had no contact from Rushcard. I borrowed a friend 's phone and was on hold 2 times totaling 3 hours only to be hung up on. I have private messaged them on XXXX as they asked, and no response. Other numbers and updates have been rhetoric. I am unable to move my upcoming direct deposit because it was too late ( XX/XX/XXXX was the cutoff date & gt ; ). Thousands of posts are made to social media and to the co-founder of Rushcard only to be ignored. I need my money. Today is day 3 since I have eaten last.
Discover Student Loans went through a system migration and it effectively removed auto-pay information for their customers ( me included ). I noticed, via my bank account, that the monthly ( scheduled for XXXX/XXXX ) deduction did not occur so I followed up via my Discover account. It showed me as 9-days delinquent ( as of XXXX/XXXX ). When I called to obtain additional information I was eventually told that they were having issues with some kind of " system migration '' that ended up removing auto-pay information for their customers. I asked if these circumstances were widely known to which I was told " the company is aware ''. Given these events, I was told I need to manually make the payment, then once my account is current, I could sign up for auto-pay at the time. I was told there was no way to retroactively post my payment and the 9-days delinquency ( or late payment ) will stay with my account, although there will be no reporting to credit bureaus. This seems to be a potentially large scale issue, with no communication to customers, that they are technically delinquent on payments ( the only way I came to find out about this issue was proactively checking my own bank account to see if the payment went through ).
You have NOT 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. 

XXXX XXXX {$7400.00} I have disputed this more than once ... it was settled ; yet Equifax will not remove ... 
Litigation may follow soon ...
Coinbase Inc., advertised that a deposit made from a linked XXXX XXXX account via ACH transfer would be available in seconds. It has been 8 days since my {$1000.00} deposit has been withdrawn from my checking account, but it never confirmed by Coinbase. Coinbase simply stole {$1000.00} from me. Coinbase app and website crashes frequently and I 'm locked out of my account most of the time. I believe, coinbase is engaged in fraud and deceptive busines. All attempts to reach coinbase representatives were unsuccessful. The company did not respond to email, phone or webform requests for help.
A GUY NAMED XXXX XXXX CALLED MY CELLPHONE AND THEN CALLED ME HERE AT WORK. HE SAID THAT VICTORIA SECRET A CREDIT CARD THAT I HAD IN 2014 HAD FILED A LAWSUIT ON ME FOR THE DEBT AND I ACTUALLY FILED BANKRUPTCY ON THE DEBT. HE STARTED HOLLERING AT ME AND THREATING ME SAYING HE WAS GOING TO HAVE ME FIRED AND ARRESTED AND HE WAS HAVING THE POLICE COME TO MY WORKPLACE TO SERVE ME COURT PAPERS. I TOLD HIM I WASNT SIGNING ANYTHING BECAUSE I HAD FILED BANKRUPTCY ON THE DEBT. THEN HE STARTING THREATING ME AGAIN AND HOLLERING SO I HUNG UP ON HIM.
We submitted a payment on XXXX XXXX, 2016 for {$300.00} and on XXXX XXXX, 2016 for another {$20.00} to Capital One for our credit card payment. We found out a few days later that the bank supposedly rejected our payment. We called our bank, because it looked like the money came out on our side. They said they submitted the payment and that it went through on our side. So they had us call Capital One and have them research it. They researched it and never found the payment. We were at a loss at what to do, because we were out {$320.00} total, and did n't want to have to pay again until our money was found. They never found it, so we conferenced in our bank with a credit card specialist with Capital One. They confirmed the payment was submitted and had cleared our bank. Then they said they would fix the account and it would be in good standing again with 24-48 business hours. After that time had passed, the account was still not fixed. We accrued interest and late fees, along with a credit report of being late. We called them again. They said they were still working on it, to give it a few more days. After a couple of weeks of this, we called and asked to speak to someone else. They called our bank as well with us conferenced in and confirmed the payment was submitted and had cleared our account. They said they were very sorry and would work on the issue and fix our account. By now the credit card account was closed and had accrued even more fees and interest charges. They assured us it would be fixed. We filed a complaint internally with Capital One and they said we could expect a call back after an investigation into the matter. The day after XXXX, 2016, they called us at XXXX stating how sorry they were and that the issue would be fixed immediately. They never fixed it. So we called again, on Tuesday, XXXX XXXX, 2016 and they said there were no notes on the account stating that the payment had gone through. They said we were lying, in essence. They ended up conceding and saying they would investigate it again. We have been waiting almost 2 months for this now and we have now had XXXX reports of the credit card being late and closed with a large balance of {$700.00}. If they had applied our payments that cleared our bank and was confirmed by our bank that it cleared, then the balance would be down to around {$280.00}. They also offered us a {$75.00} courtesy credit for our trouble and that was never applied either. Now they are claiming they never said or did any of this!!! We have spent hours and hours on the phone with them, fighting them on this. We do n't know what else to do. Our bank has confirmed twice now, with their representatives, that this payment has gone through and they have promised us that this would be fixed. It is ruining our credit and is causing a lot of issues. We need this dealt with immediately.
XXXX XXXX  transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to XXXX  for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via XXXX and Statebridge did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.
I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2018. 
We sent SPECIALIZED LOAN SERVICING, LLC all of our documents for a review of a loan modification program to help us get back to paying our mortgage. We are in hopes that they will offer us something affordable. They said they have all documents and are in review. But still while in that review the foreclosure sale is still set for XX/XX/2018 and we are worried about that. 
If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXX XXXX sends me receipts and checks WITHOUT my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX Experian and XXXX and XXXX to investigate and report in accordance to the guidelines of the FCRA.
I was in Florida and when I exit the toll, there was no place to pay the money. I received a letter from AllianceOne, Receivables Management, XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX. AN : XXXX ; Ref # XXXX. I purchase a Transponder and went on XXXX website and activated it. I called AllianceOne twice and spoke to a XXXX XXXX and another unnamed female. I pointed out the extra charge of {$13.00}. XXXX refuse to remove the fee so I can pay the account. I feel this is unfair since I have a XXXX account. Your assistance is required.
XXXX yes they.s 6 or 7 times in the morning in afternoon may be 12 times " portfolio recovery associates " llc