WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam, I am filing a complaint about Discover credit card ( account # XXXX ). This account was opened on XXXX/XXXX/XXXX and according to the terms and conditions, the card will receive XXXX miles per every dollar spent and the first 12 month 's earned miles will receive a match bonus. Since account opening, I have earned XXXX miles. My account has always been paid timely. 

Discover card closed my account for no reason on XXXX/XXXX/XXXX, just a few days before the first annual anniversary. After my account closure, they not only denied my last statement miles credit but also told me that I would not receive the annual match credit. They stated that their program policy is if the account is closed, it will not receive the match bonus. 

It is apparent that Discover card closed my account just 4 days before the 12-month anniversary just to deny my due credit of {$2300.00}. Discover has been trying to deceive its customers to open and use their credit cards with a promotion that they know they will deny in the end. This type of deceptive practice can not be allowed. I am hereby asking discover card to credit my account XXXX miles in cash format of {$2300.00} as a direct deposit to my linked bank account.
I filed a dispute complaint about 45 days ago, and nothing changed on my report these acct has been sold to different collection co. for over 7 years they are not mine, im XXXX did n't knowall this was going on in my report, I know I had id thieft XX/XX/XXXX I 've been in an out of hospital I want my credit back and make it rightht they all are small amount I do n't have money to pay for something that 's not mine
Today I received a call from a company with a  XXXX  area code. Eventually they left a message saying they were filing court papers with  my county t o sue me and will serve me at my home or job.     If my job was served, and I was unavailable then they would get my supervisor to accept my summons and I would be sued.     The number they left is for a Georgia office by Chaplain Services. Everyone is saying this is a scam.
Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.
Fraudulent charges were identified and submitted on American Express PAID statements from XX/XX/XXXX-XX/XX/XXXX. Fraudulent charges were removed ( {$3300.00} ) and the remainder of the PAID charges were re-billed to my account ( {$5200.00} ). There are an additional {$43000.00} of fraudulent charges to submit from XX/XX/XXXX-XX/XX/XXXX. I have disputed and have been harassed by American Express collections. I have discussed the matter with multiple representatives and the fraud department. I explain the details over and over again. I can not resolve. I have requested a single point of contact to resolve.
I was approved for a Bank of America credit card in XXXX of 2015. My credit card was compromised with fraudulent charges and I disputed these charges with Bank of America. They closed my account and conducted an investigation of these charges and after their review I was informed that the charges were deemed fraudulent and credits for these charges would be credited back to my account. The credits were added back to my account but my account remained closed. I contacted Bank of America about my account still being closed after the investigation was completed and now I have been informed that the credits for the fraudulent charges have been reversed. I have been dealing with this issue since XXXX and this issue is yet to be resolved. I have spoken to several different people from Bank of America concerning this matter and every person has different information and is telling me different things about the same problem. There seems to be little or no communication between departments within this company. This has been very frustrating and this account is currently damaging my credit report. I would like to have this account resolved and all negative information being reported corrected properly.
i never owed this debt and there claiming i owed it they lied in your response i have a letter from XXXX that says otherwise they need to be investigated for illegal collections tactics this was there previous response XXXX XXXX XXXX ( XXXX XXXX )  is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXXXXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Credit Card account ending in XXXX on XXXX XXXX, XXXX, for which XXXX XXXX is the personal guarantor. From XXXX XXXX, XXXX until on or about XXXX XXXX, XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX and subsequently purchased by XXXX on XXXX XXXX, XXXX. Additionally, and as part of our investigation XXXX is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, XXXX shall cease future collection efforts from XXXX XXXX until said documentation is received.
action finance inc . 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX they call me before XXXX at work and we dont open til XXXX so all calls are transferred to my bosses line. they call back to back using different numbers XXXX, XXXX XXXX, XXXX they call 5 times a day to my job and i tell them they cant call me here because i can not receive personal calls and im getting in trouble here at work for them calling. i cant answer my phone until i get on lunch break.
we asked Wells Fargo Bank to see if they could work with us on a mortgage modification while we passed some hard times, after hurricane Harvey.  They agreed. We started to send all information, they called back and we send them more, and more.By then we were 2 months, and other Wells Fargo persons started calling. Meanwhile the other people still kept asking for mire info, I sat with one and we went over 2 months, explaining in detail how money was spend and were it came from. Still they keep asking to resend more paper work, but will not say will help or not. We believe that Wells Fargo is not acting in good faith. 














































-
XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.
on XX/XX/2018 I purchased a set of eyelashes priced at {$45.00}, after I used my debit card to make transaction I realized that the company had included 2 add on products not requested to my transaction. I sent my first email right after I made the transaction and seeing the charges went up to {$81.00} at XXXX XXXX, after that I must have sent like 7 or more emails with no response. The company 's name is XXXX XXXX XXXX their customer service email is XXXX. I did my own investigation on their XXXX page and as I started to read some of the customer 's comments I saw a few people with the same situation. they were over charged for no reason with no refund. The company does not have a customer service phone #. My order # XXXX. my expectations are to get a refund and have company be investigated.
Can someone please help us! 
My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. 

I was approved to be under the Soldier and Sailor act. 
This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. 

We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. 

Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. 

Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,
The credit line on my Discover card was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances, and no payment on my Discover card. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. For example, whatever was due on my Discover was due to fraud, and the Discover fraud department cleared all the unauthorized charges to bring me to a XXXX balance. My credit bureau report as of now shows XXXX balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Discover should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Discover reinstate my proper credit line of {$13000.00}.
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.
i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life
This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.
My Mortgage was sold to US bank. The indicated that insurance was required. I have provided them copies twice. It is a condo policy. After the first time I sent it in ( XX/XX/XXXX ), they indicated that my name needed to be on the policy, not just the condo association. I sent a second copy specifically listing my name ( on or around XX/XX/XXXX ). I received in the mail this week a statement indicating that they used my escrow funds without my approval to buy insurance ( {$820.00} ). When I called, they indicated I needed an XXXX policy to cover the contents of my condo ( first time I had ever heard this ). My insurance rep indicates I already have courage for contents and an XXXX would be duplicate coverage. I have confirmation from my insurance rep that I an covered. 
I contacted US Bank on Tuesday the XX/XX/XXXX to discuss my concern and spoke to XXXX ( would not give last name ). She would not connect me with anyone in the insurance department indicating they do not accept calls. They will mail me something. I requested an immediate call from a supervisor and have yet to receive it. 
Is it legal for US Bank to use my escrow money without my permission or approval for something I do n't need or want?
I have filed a complaint with CFPB and I believe it has been forwarded to Experian. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( Experian ), XXXX v XXXX and XXXX XXXX, XXXX that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Experian has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.
XXXX St Farm Bank XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX mortgage shopping and I dont have an account with them. I do not recognize this XXXX   unauthorized Factual data-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
I had a XXXX XXXX XXXX it was being put up for repossession due to be losing my job I reached out to them to lower my interest rate or payment and I was denied the pavement at the time before falling behind was for {$460.00} I paid on XX/XX/XXXX {$300.00}
I filed the complaint about Huntington Bank ( XXXX bank ) in XXXX PA at XXXX XXXX XXXX about then STEALING my CD my be reference under XXXX XXXX Well about the same time I got a bill for my safe deposit box. After the thief of money I vow never to go in that bank again. 
To start with I used the bank at XXXX XXXX XXXX and they did not even have a safe. You had to go several miles to get to theirs ( XXXX and XXXX I refuse to do any business with that bank. Well I got a nasty letter since I would not pay for the box they were going to drill it ... 
Well the proper why to done it is to send any and everything in the box to me in my name or my brothers. they had the address etc. I had the deed to the house plus title to the car plus a ring plus my brother FCC license plus other smaller items. 
If they could not find us ( we only lived in this house for 70 years ( my family ) per PA laws they are to turn all I repeat ALL items removed from a Safe Deposit Box over to the PA Treasury. who has the unclaim property section. 
Well I followed that site checking several times and nothing was ever turn over to them. They keep items active on the computer for 10 years, and inactive after that ... 
Clearly this bank had no right to just toss my personal effects. 
I want money for this. 
THIS BANK IS KNOWN AS THE WORST ONE IN THE CITY. I HAVE ONLY HEARD COMPLAINTS AGAINST THEM. 
YOU NEVER SEE ANY CUSTROMERS IN THEIR PARKING LOTS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
A company called " Convergent Outsourcing , Inc. '' continues to send letters requesting payment for {$1100.00} for an account I never had and purchases I never made. I have never heard of this company or the merchant they claim to represent. I believe this is a scam.
XXXX sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen ). If this is just a advertisement, then this kind of the confusing commercial behavior need to be stop to bother customers.
Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file.

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done.

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations.

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
I have been contacting my lender, specifically XXXX and left dozens of messages without a single callback or communication from them for over a month. 

I have offers on the house, and am trying to get them to work with me on a short sale.
I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( two cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,
In 2012 I filed paperwork with Nelnet to have my student loans consolidated so that I may qualify for the Public Service Loan Forgiveness. While all of my loans were transferred to Nelnet at that time, it recently came to my attention that Nelnet did not consolidate the FFEL Stafford Loans and Grad PLUS Loans that they held, leaving half of my loans ineligible for Public Service Loan Forgiveness. I trusted them to act in my best interests and consolidate the loans for the purpose I stated. They clearly did not do this. I am submitting a copy of the Federal Direct Loan Consolidation paperwork, where it shows that the loans they held were listed both on the Loans You Want to Consolidate page, then listed again on the Loans You Dont Want To Consolidate page, only on that page the loan number and balances are missing. This is very deceiving. Furthermore, they never sent me a letter finalizing the consolidation, but put me into an Income Based Repayment Plan with assurances that all was well.
When I spoke to Nelnet recently and inquired about the consolidation and requested a copy of their paperwork ( so I could match it with the copy I possess from 2012 ), they stated they had no such record on file. This seems suspect as there currently are XXXX consolidated loans on my Nelnet account. They most definitely consolidated the loans from XXXX/XXXX XXXX and that is all they consolidated. This move has potentially cost me 5 years of payments counting towards Public Service Loan Forgiveness.
1. Experian gives no phone number, email address or snail mail address on their website to complain about their fraud. 
2. They fraudulently claimed that I had XXXX negative items reported " between XXXX XXXX, XXXX and XXXX XXXX, XXXX '', but when I view the credit report, there are no such entries after XXXX. 
3. It is no surprise that they sell " identity protection '' of sorts, and this giving out of falsified information is simply a selling scam for their products.
A medical collections company reported a debt incurred by my ex-wife for medical care. I am not liable for the debt, but because my ex-wife supplied the collections company with my prior address and SSN, they reported me to the credit reporting agencies. I was never notified of the underlying collection efforts because the collections company never called me and only used a very old address to attempt to communicate with me by mail. Therefore, only when I saw the {$110.00} attempted collection amount on my credit report in XX/XX/XXXX was I alerted to their collection attempts. I never had the opportunity to dispute the debt before they reported it to collection agencies. 

I disputed the incident with XXXX, XXXX, and Equifax in XX/XX/XXXX. XXXX and Equifax quickly resolved the dispute in my favor and removed the entry from my credit report. Equifax took much longer to conduct an investigation and then its website repeatedly failed over many different days, preventing me from seeing my results. Finally, I called Equifax and received the results of their investigation over the phone. They indicated that because the collection company was able to validate my SSN and address, that Equifax deemed the debt valid. Equifax did not give me the opportunity to explain why the debt was not valid.