WillisBack/dataset-financial-user-claim huggingface dataset:
I had a corporate credit card with American Express. My company decided to leave American Express and move their corporate account to XXXX, at the end of XX/XX/XXXX. I had a positive balance in my account, so I requested a refund, which I had to do through my company, as told to me by American Express. 3 months, XX/XX/XXXX, later I received a refund for around {$250.00}. The next month, XX/XX/XXXX, I get a statement for a bill say I owe exactly the amount of my refund. I call American Express, and I get told that there was a mistake made on their end, that the system shows XXXX checks were issued, and that they will simply cancel XXXX of them and everything is resolved. Next month I get a statement for the amount of the refund plus a late charge. I call again, they apologize and tell me everything is taken care of. They even assure me that it is, and that I wo n't be getting any more statements. Next month I get a statement, still owe the {$250.00}, plus a late charge, and now plus another late charge. I call again and get told it 's resolved, so sorry. Next month, another statement, and then another, and another, late charges added each time, the amount owed grows to {$500.00}. I call and try to get it resolved, but now they tell me the account is closed, been sent to a collection agency. Collections? For what? A mistake they made in their system as they have never sent any proof that XXXX checks were issued, and that XXXX checks were cashed, because that simply never happened. Now they send me a letter saying they will settle my account if I just pay the original {$250.00} plus a little, and not the whole {$500.00}, 14 months later. So I call them up, with the number provided, and they tell me they will open a dispute, but I say I want it resolved now, so I get to talk to the supervisor, who passes me along to card services, who sends me to corporate accounts, who sends me back to collections ( which appears to be in XXXX, not that that has anything to do with anything ). I wo n't hang up until I get to talk to the investigator in the dispute department, but they tell me they do n't have that number and they hang up on me. They have destroyed my credit rating, had collection agencies call me on a daily basis, at both my cell phone and office line, have passed me along to department and department. One time they even said the issue was with my company 's accounts payable department, and I should dispute it with them. I have never in my life been treated so poorly for a mistake not of my own doing.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014
I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..
I opened a credit card at Home Depot to purchase a XXXX on their XXXX months same as cash plan. I started making payments without reviewing my statement and after approximately XXXX months I noticed I was getting charged interest. I called Citibank who is the issuer of the credit card and the representative their informed me I had to go to the store where the purchase was made to get the interest reversed and setup on XXXX months SAC. It took me another couple months or so to make it to the Home Depot store where I ended up speaking with the store manager who informed me they ca n't correct it without speaking to Citibank and no one was available that day. I provide my information and they were to call me in a couple days with an update. I received a call that they were correcting the issue by refunding the original purchase and sending the purchase back thru on the XXXX months same as cash. This was nice since they restarted the XXXX months. However they refused to refund the interested that had already accrued and the discount I was provided for purchasing at Home Depot rather than going to XXXX. I want my discount and the accrued interest credited back to the account. Your help is greatly appreciated. Thanks, XXXX XXXX
On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed. 

When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure. 

The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX. 

When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}. 

Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards. 

Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity. 

The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.
Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is XXXX
I covered my step children on my health insurance plan because their father refused to during court proceedings. The step children now have outstanding medical bills that the creditor has filed against me on my credit. I have no parental or guardian rights to the children they are still XXXX custody of their natural mother and father. The medical facility billed me as their father even though I proved to them I am not the natural father and have not adopted them. I only covered them as a benefit to them in a time of lack of coverage from their natural fathers responsibility.
I have been fighting with transunion for a while because they continue to keep removing my XXXX XXXX XXXX XXXX Account a good standing account that is XXXX XXXX XXXX, which is also my oldest account on my credit report, for no apparent reason!! This is so very frustrating and i dont understand why they are being aloud to constantly do this. They remove and i file a complaint and then they reinsert it!! Why must a consumer continue to go thru continuous problems with this company. The language barrier is already frustrating within it self and then i have to deal with them deleting my accurate information. PLEASE reinsert. I even have a letter from transunion telling me the account was reinserted and will stay.
The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. 
However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.
I applied for a Citi/AAdvantage Platinum Select XXXX 

The advertised promotion was that I would get XXXX XXXX XXXX Flyer points if I would spend {$3000.00} within Three months on the card.
I called the company and told them that I had another older Citi Card, and asked if that would invalidate the promotion on the new card. They said that it would not. They said that each card was a separate account, and the promotion on the new card was separate from any old card. I was assured that the promotion on the new card was valid. 

I called Citi on XXXX XXXX, 2017 and was told that since I had a previous Citi Card, the promotion was not valid, and I would not receive any AA flyer points, even though I had spent the {$3000.00}. I felt cheated, and immediately canceled the new card, not wanting to do any business with a company that treated customers so badly. 

I believe that I am entitled to the XXXX points, since an employer of the company, in a telephone conversation, said I was.
I know that I had owed a debt to a credit card, I worked with a lady at Messerli & Kramer to set up some payment plan. This was nice, it worked and I received a letter stating that I owed more than what our original debt was. I was confused as was the lady I worked with. She then stated that she would be looking into the situation and get back to me. She never got back to me, but sent a letter stating that I owed one more payment of the agreed upon amount. I then received another letter later saying I owed more money. I called and was confused as to why I owed more money, they stated that it was legal fees and that I did owe it, but would look into it and get back to me. I did tell them that if I did owe it I would like to work to settle this issue with a payment plan as the fees were more than what I could afford at the time. I never heard from them and assumed the issue was cleared up. More than a month to two months later I have now a {$40.00} levy/ garnishment levy fee attached to my bank account as of today. I do n't agree with this as I have attempted to contact them about finishing up these issue and nobody has returned my calls or sent any letters saying this is going to happen.
it sais i have a drivin g on suspended license ticket within 5 years of being suspended for a dui ive never hade a dui in my life nor been convicted of one ive never been pulled over for drinking ever
I have been unable to make payments due to my decrease in income as of XXXX 2014. However, there are actually several of these " loan shark '' companies in town that I unfortunately became involved with to do business when I had been low on money in the past. It is a nightmare to even try and pay XXXX off because they always entice you to re-borrow. And once I tell them I am unable to pay anything at the time it is due they continue to ask questions of when, or cant you borrow from someone, and then proceed to call daily. They call my cell phone, which is part of my business, they call my professional business office where I am a XXXX and have sessions with my clients. They have even came to my office, came to my home, where my husband 's XXXX is located, and then even proceeded to contact me on my private social media via messenger. ( XXXX ) They call everyone on my initial application and harasses them as well. I even asked them not to call or even let my husband have knowledge that I was applying for a loan as he would be angry. However, they violated my confidentiality and even proceeded to come to my home, and spoke with my husband on XXXX occasions that I know of. NIGHTMARE!
I called Capital One Customer Service Dept. and spoke with XXXX XXXX ( Rep ID # XXXX ) and XXXX ( Rep ID # XXXX ) about account reviews and credit line increases. 

I have XXXX credit cards with Capital One ; Last ( XXXX ) digits of " first card is # XXXX '' and " second card # XXXX ''. I asked XXXX XXXX and XXXX on Friday, XXXX XXXX, XXXX at XXXX when was my account last reviewed. I was told that information is not documented on my account and the department that does the review does n't take phone calls. I was also told the only way I could get an answer to my questions regarding account reviews was to write in and wait approximately " 20 days '' for a response. 

Although Capital One ' s Account Management Dept. told me my account would be reviewed annually and if I maintained a good payment history, which I have ; credit line automatically increased. They have failed to honor the commitment. 

The only time I 've received a credit line increase was in XXXX when I called asking these same questions. And, that was only on XXXX of my cards. I have good credit with all of my merchant accounts. 

In fact, as of today my balance on the # XXXX account is {$67.00} and my balance on the card # XXXX is {$0.00}.
XX/XX/XXXX : I received ANOTHER notice from my employer about my wages being garnished from said company. I had already been previously garnished from them about 3 months before. The debt from before was approximately {$1600.00}. The new amount being garnished is now over {$500.00}. I called and asked for the name of the company seeking payment and dates from when this was owed. I have been divorced since about XX/XX/XXXX and we had an agreement to split out debt. This was from XX/XX/XXXX!!! I am sure the other debt was even older than that. I recently discovered that Oregon has a statute of limitations on debt ( 6 years ) and of course, I am concerned because maybe 10 years can go by and maybe they contact me again about some other debt or they are soliciting companies that I owe debt with and they have a " standing judgment order '' that I do not know about?
I have submitted numerous letters to Trans Union, XXXX and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit  bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.
I recently started a job, and today I received this email from the receptionist : Hi, Someone from Allied Interstate , LLC called a couple times today for you. you were n't in the office and I transferred him to voicemail. He chose not to leave a message and called me back a few hours later. 
I suspected this was a solicitor. When you were n't available, he asked who you report to. I asked what it was regarding. The caller became aggressive and would n't tell me what he wanted, saying that what he was calling about did not affect who you report to. He gave me information about a debt that I should n't know about. When I told him you were n't in, he hung up on me. 

This is a new place of business and my boss has mentioned this to me. Places like this want to collect you 're outstanding debt, but this is now reached harassment at the workplace and these tactics have placed me at risk of losing my job. In that respect that means " No job=no money ''.
Equifax often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
My father passed away XX/XX/XXXX. He had a mortage through PennyMac. The mortgage was being paid by myself and my sister through XX/XX/XXXX. The house is currently in escrow to sell ( not a short sell ). I am the trustee of my dad 's trust which includes his home. I have provided PennyMac all the documentation ( death cert, trust, copy of contract for the sale of the house etc ) in order to discuss loss mitigation and my options. pennyMac will not assist me by talking to me, stating they need a signed authorization to discuss the loan. My father can not provide that as he passed away. I am worried that before escrow closes ( set for XXXX XXXX ) that foreclosure process 's will start. I do not understand how PennyMac can not speak to me regarding the loan, how they cant se4em to understand my father is dead. I have been very proactive in trying to avoid foreclosure. Please help
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX  XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX  - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
In XX/XX/XXXX I filed a chapter XXXX bankruptcy. My mortgage is through Citimortgage Inc. and the bankruptcy was complete as of XXXX/XXXX/XXXX. I was advised that I was to start making payments on my mortgage again as of XXXX/XXXX/XXXX. The trustee and the mortgage company had signed off that I was paid in full through the trustee through XXXX/XXXX/XXXX. Since then, they have constantly insisted that I was a month behind in payment and the trustee brought them to a hearing that they did n't even attempt to show up for and the judge signed a court order that the bankruptcy was paid and current through XXXX/XXXX/XXXX and we had bank statements proving that we were paid current. They will not acknowledge the court order. They keep insisting they never received it as well as any other documents proving that we are current. They keep harassing whenever we make a payment and when we try to bring forth the court order they just absolutely refuse to admit they are wrong. We ask them to show us where we are behind and they refuse to do so. Now they are saying we are two payments behind and we have proof that it is not so. All supporting documents will be attached,
They keep telling me different amounts i owe. Like i dont make enough money to pay XXXX $ a month nor does my cosiner. The keep lying about not being able to do anything and they keep lying about being able to lower my private student loans. Navient is the worse XXXX i have ever borrowed from.
I disputed a negative item on my credit report from XXXX XXXX XXXX XXXX, located in New York ; the dispute was submitted to Experian in XX/XX/XXXX. I filed that I was scammed into a contract for a credit card processing machine on the promise of a loan for {$6000.00} to open my restaurant or I could cancel the contract ( XX/XX/XXXX ). The telemarketer, XXXX XXXX XXXX, did not let me know until XX/XX/XXXX, that I could not get the loan. XXXX XXXX charged me through debitting my checking account and I wasn't even open or making money! I sent the machine back but XXXX XXXX would not cancel the contract at any time, they said it was past yhe 10 day cancellation period which was in very small print! The New York Attorney General 's office has filed a suit against XXXX XXXX XXXX XXXX for their deceptive business practices and fraud, which I have just recently added my complaint to. They have an F rating with the XXXX XXXX XXXX! https : XXXX I tried to dispute again and on top of not giving but 210 spaces to write a complaint, Experian said they would not accept another dispute and they had the right to not accept disputes! This is not right on either party, XXXX XXXX XXXX XXXX OR Experian.com!! I couldn't even give experian the links and this is not fair consumer reporting! I was scammed!!
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my CBR. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond.
On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim. 

On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid. 

This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill. 

When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX. 

I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used.