WillisBack/dataset-financial-user-claim huggingface dataset:
I booked 2 airline tickets on XXXX, paid in full at the time of the purchase. They showed up on my XXXX XXXX Visa credit card statement as XXXX separate transactions, both under the name " XXXX '' ( this is the name of the airline carrier ). Both are dated XX/XX/2018 for {$720.00} each. 

I specifically increased the credit limit on my card and purchased through XXXX because of the rewards offer. Without the rewards, I would have gone through a different vendor and credit card. Using the XXXX XX/XX/XXXX visa cost me trip protection that would otherwise have been provided by a different credit card company and resulted in a higher dollar total for the transaction. 

Barclay 's XXXX XXXX Visa reward rules state : Earning Points - You earn points for purchases less credits, returns and adjustments ( Net Purchases ) made by you and/or any authorized user of the Account as follows : You earn 5 points for every {$1.00} spent on eligible Net Purchases made at XXXX. Eligible purchases include : cruises ( as defined by the merchant category code ), Name Your Own Price, Express Deals and Pay Now bookings, as well as purchases of Trip Protection products, made on XXXX. A Pay Now booking is any booking that requires payment at the time of booking. For more information on Name Your Own Price, Express Deals, and Trip Protection, please see XXXX. ( see https : //www.barclaycardus.comXX/XX/rewardsHub?earningRewards= ) My purchase met all of the requirements outlined by Barclay 's to be a qualifying purchase. I should get 5 points per dollar for these charges. However, Barclays has only provided me with 1 point per dollar. The missing points are worth over {$57.00}. 

Barclay 's claims that the transaction is not a qualifying purchase, however it clearly is. XXXX had mentioned something about the " merchant of record ''. My receipt is from XXXX, so they should be considered the merchant of record. XXXX 's version of the rules would be misleading at best, since there is no apparent difference between purchasing hotel reservations ( which qualify for rewards ) and airline tickets ( which at the moment appear not to ). In any case, when I contacted XXXX about the situation, they denied any responsibility, claiming that my agreement is with Barclay 's and not with XXXX ( I would tend to agree ). 

Barclay 's, please give me the reward points I am due, or else the cash value.
Had account with XXXX. Paid my bill every month. 6 months ( XXXX to XXXX ) after opening account, utility co sends bill for {$940.00}. When I called they claimed they did n't read my meter properly because they could n't get to it and this was the " back bill ''. Strange thing is, they turned my gas off due to potential leak the week prior to receiving this bill because the meter reader said the meter was acting weird which tells me they obviously had access. Meter was on side of house in front, no gates/dogs/other obstacles. When I called and explained this, the customer service rep told me ( exactly ) " well, you must have moved your fence recently ''. Instead of acknowledging their error, they accused me of basically relocating my fence lines to inhabit access and then moving them back, which due to the yard set up would have been physically impossible. Gas bills typically run approx {$60.00} a month. Not only did I pay between $ XXXX each month, they are trying to tell me my gas bill was really an extra {$150.00} a month which is n't feasible. We left at XXXX every day and came home around XXXX. Did n't run the wall heater, only used electric heaters and rarely cooked because the oven did n't work and the stove was sketchy. I spoke to neighbors ( who would have been even more difficult to reach due to the dirt road further down in winter ) who used their gas all day every day with fireplaces, heaters, ect and they all vouched for never seeing a bill over {$100.00} and that was worst case scenario. The gas company has refused from the beginning to provide any sort of proof/documentation after repeated asking. They refuse to send me back receipts of all my paid bills. There is no possible way my gas bill was anywhere near {$200.00} a month. They insist they did n't have access ( because I apparently like randomly picking up my fence and moving it around I guess ) even though they proved they did when the meter reader shut off the gas due to a glitch on the meter. As far as I am concerned, my bills were paid, I cut them a payment every month for what they billed me for, I do n't owe them a dime more. This collection account is pure fraud. They are trying to collect money not owed to them, they know it 's not owed and that 's why they ca n't provide a single shred of legitimate documentation and refuse to provide me with a full disclosure on every bill sent to me and the payments made. When a company attempts to accuse you of manipulating landscaping and bully you instead of providing the information requested, they know they are wrong. I have disputed this through the credit bureaus numerous times and have gotten nowhere. I 'm tired of seeing this fraudulent charge on my report and having to explain this ridiculousness every time I go to get a car or rent a house. This collection company has either been totally duped by XXXX or they are even more crooked then the utility company by continuing to collect on a false debt.
I rented a room for {$770.00} on XX/XX/XXXX and the agreement I had with the landlord was that once I was offered housing in my university, I will be receiving my deposit back to me. However, that has not happened since I moved out on mid-XX/XX/XXXX. He constantly assured me that I would getting my money back starting the beginning of XX/XX/XXXX. Then he said he was having a financial issue and told me that the latest would be XX/XX/XXXX. I have attempted to contact him multiple times in order to resolve this issue. He has completely ignored all the messages and even pretended to not know who I was. Recently, I have filed claims with Chase and XXXX. Chase told me that they were reversing money back to him and I find that unjust. I do not feel as if there was any investigation done with this fraudulent claim. I was deceived by the landlord making this a fraud. Chase told me to contact XXXX and ask for their help. I have contacted XXXX and they will be getting back to me within the next 24 - 48 hours to see if they will be able to file a chargeback. I would appreciate any help from your department in this matter. 

Thank You, I look forward to your response.
I have a judgment in a court of law in my favor against XXXX XXXX. Equifax and XXXX XXXX claim that this is still my debt although a judge has declared that it is not. The " investigation '' that equifax performed is inadequate and XXXX XXXX is not complying with the findings of the court. This case can be found online at the website for XXXX County Illinois. I do not understand how a bank and a credit bureau can defy a court judgment
MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX & XX/XX/XXXX As  you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not  authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
In XXXX XXXX my husband and I were searching for a new, larger apartment for our family since I was XXXX at the time. We arrived at XXXX XXXX XXXX and decided this is where we wanted to live. The leasing agent provided us with a Move-in cost sheet indicating that it would cost {$2100.00} to move into the apartment. In order for them to approve us, they needed to perform a credit check and background check and instructed us to complete an application. Within the application it states we have 24 hours to change our minds and if after the 24 hours we are approved and decide not to take the apartment, they would then charge us one months rent equivalent to {$1500.00}. 

More than 72 hours later, the apartment complex called to tell us that we were denied based on our credit and the original costs to move in were no longer valid and that if we still wanted the apartment it would cost us between {$2500.00} and {$2700.00}. We needed time to think because that was not the original agreement and we could not afford such a large amount. On XXXX XXXX, I went on emergency maternity leave and as a result our financial picture changed and we decided there was no way for us to afford the large amount to move in. 

When we called the apartment complex to turn down the apartment they demanded we pay them {$1500.00} for one months rent since we signed an application agreement. We instructed them that we never signed a LEASE, and since they changed the move in costs required of us to move in, it nullified the application agreement. 

We contacted our friend XXXX who is an attorney and the apartment complex refused to speak to him ( and us ). Within a few weeks we received a collection letter from Hunter Warfield. A few months later I contacted the Attorney Generals office who forwarded our complaint to XXXX where they spoke to XXXX, the manager at The XXXX. XXXX agreed that the debt should be retracted. I spoke to XXXX who explained why they sent it to the XXXX credit bureaus but agreed that the debt should be retracted. The Florida Department of Agriculture was unsuccessful in reaching XXXX and Hunter Warfield. 

Thee problem was never fixed and XX/XX/XXXX I received another letter from Hunter Warfield who is still attempting to collect the debt and refuses to remove it from our credit reports, and after disputing it with XXXX, the smear still remains. I also went to XXXX to speak directly to XXXX who denied ever speaking to XXXX XXXX XXXX and could not recall who I was or what my complaint was ever about.
The following number XXXX and other numbers from this same company keeps calling my number repeatedly while i am at work. I send it to vm and they literally call right back. I answered and informed them this debt was paid and that i wanted my cell phone number removed from their list and added to the DNC, I asked them not to call me again. They keep calling!!! This is for XXXX XXXX  clothing store credit card. aka : XXXX XXXX
Was charged 18 months of interest, on snowblower that was sold to me as being interest free for 18 months then if we still had a balance after the 18 months I would be charged interest on the balance after that, tryed working this out was told pay the {$1000.00} for snowblower today and they would save me some of that charge, and that when I would pay my payment every month that I should have told them to take it of off the old balance first, so since I did not do this its my problem and owe them that {$560.00} interest, and I could close the account if I didnt like these terms, and could never have a account with them again THIS IS HOMEDEPOT CARE OF CITIBANK
Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.
NYSHESC has not provided me with a detailed accounting history of my account, which I demanded in my previous complaint, as well as in my letter to the Governor, which I copied to NYSHESC.

NYSHESC is also continuing to deny that they have illegally overcharged my account in XXXX of XXXX, adding over {$1300.00} to my balance, above and beyond the principal, interest, and $ 1,200+ collection fees, which they did as they concurrenty applied a payment to my account from my garnished XXXX New York State taxes. 

NYSHESC is continuing to refuse my very reasonable settlement offer, which is to pay the full principal balance, plus interest accrued, minus the adjustment of payment applied from my XXXX New York State tax refund. 

I sent NYSHESC and XXXX two 20 pages faxes detailing my offer, and my financial hardship. Rather than work with me after I have so carefully compiled and supplied them with extensive documentation for my case, they choose to blow me off and continue gouging me, adding insult to injury. 

This is the first year I have been in any way shape or form able to begin settling my debts, and I am fighting for my life to get on my feet financially. What I do not appreciate from this predatory and dishonest company is a kick in the face while I'm down. 

I fear that NYSHESC will only continue to illegally add money to my account that I do not owe indefinitely. 

And so at this point, I am consulting with a lawyer, and spending the money I hoped to save for my daughter 's XXXX presents, to avoid a lifetime of indebtedness to a company that exhibits no care or concern to help me settle my debt.
I have found out that Bill Me Later has an account opened under my name. I have not opened an account with this company nor have ever done business with them. 
This account appears on my credit report, which does not belong to nor have I opened it with this company. There is also collection action appearing on my credit report as well as letter that I am receiving.
While in college I joined the XXXX in XX/XX/XXXX. I spent six years in the XXXX before enlisting in the XXXX XX/XX/XXXX. Prior to me enlisting in the XX/XX/XXXX I applied for a Sears credit card in XXXX. After during some research on SCRA and reading the blogs, I decided to apply for my Servicemembers Civil Relief Act benefits with Citibank through their Military Response Unit. I faxed my Department of Defense Manpower Data Center certification which shows my XXXX start date and my LES. On XX/XX/XXXX, I received a notification from Citibank stating I was ineligible to receive those benefits because my account was opened after my XXXX service. I did not understand the denial letter so I call the Citibank Military Response Unit. After speaking with a customer service rep from Citibank Military Response Unit, he stated that Citibank used the date on my LES to make their determination for my eligibility for SCRA not date from my DDMDC. I tried to explain the customer service rep that date on my LES is the date I joined the XXXX not the date I enlisted on XXXX. The customer rep stated that I can resubmit my documents but he does n't think I will get approve. On XX/XX/XXXX, I resubmitted my documents to the Military Response Unit to include my enlistment contact when I joined the XXXX in XXXX and my enlistment contract when I joined XXXX XXXX to show the difference in the dates and my DDMC verification. I was notified on XX/XX/XXXX I was denied again of my SCRA benefits. 
I believe I am entitled to SCRA credit card benefits from Citibank due to the fact I opened by account prior to my XXXX service. According to 10 U.S.C. 101 ( d ) ( 1 ) the term ''active duty '' means full-time duty in the active military service of the United States . I started my full time service on XX/XX/XXXX. 
Any assistance you can provide with helping me to receive my SCRA benefits from Citibank will be greatly appreciated. I have include my enlistment contracts to show the difference between XXXX time and reserve time, my SCRA certificate and the notification from Citibank.
Both XXXX and Equifax removed a past debt that was XXXX in XX/XX/XXXX. Then the debt was placed back on my report without notification stating the account was verified. The 1099 copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX.
This company claims this debt belongs to me and it does not. It showed up on my credit report shortly after the data breaches. THIS IS NOT MY DEBT. i have NEVER DONE business with these people
I paid this account through a collection agency, XXXX XXXX, for {$300.00} as a settlement. My original balance was {$680.00}. Once I paid the account, Capital One updated my account on my credit report to reflect a {$300.00} payment made and still showing a {$380.00} balance. Then once they did this, my credit score dropped 80 points. I then called them again and submitted another dispute to get them to update the account. Once it updated to a XXXX balance, it dropped my credit score 50 points. so over 100 points because of an error they did with the reporting. I did my research and found that they reported the account against the XXXX XXXX guidelines that are enforced by the XXXX XXXX XXXX XXXX. Furthermore, on my credit report, they are listing the date of last payment incorrectly as well as date of last active. It is different on each credit report and this is a violation of the Fair Credit Reporting Act. I am not sure how you are able to do this and then cripple my credit score after I paid you. I attached a screen shot of the way this account is reporting so that you can see for yourself. I am sure that the CFPB can impose some type of fine or get this done for me because my calls and disputes are not working.
Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. 

PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. 

XXXX XXXX
I have been trying to get my loan straightened out for over 2 years. I must admit that I am partially responsible because I took some bad advice. I got behind in my payments and my problems seemed to just get bigger from there. I have been trying to get a loan modification through my bank and have sent in the same paperwork on at least XXXX occasions but ca n't seem to get enough. I have tried since XXXX 2014 XXXX last time and I had to file bankruptcy to keep the bank from putting my house up for auction. I thought I had all the paperwork in but I needed more. I have been trying to get my house payments figured out so I can start making them while I am trying to get the modification but I am having having no luck. I have called the bank to try to get some info and no one at the bank can seem to give me a straight answer about anything. I keep getting transferred from XXXX no nothing to the other. I had a person that was supposed to be my contact but he keeps transferring me to other departments and I have been on hold for up to XXXX min on numerous occasions and coming away with nothing. I have sent many emails to my so called contact that tells me he will check my account and get back to me but never does. I have sent letters to the banks ethics dept on several occasions about the problems I am having and they keep sending me the phone number of the same person. I have been trying to straighten all this out constantly over the last couple of weeks but am getting nowhere slow. Not XXXX person I have talked to at the bank can figure out how much my payments are supposed to be or anything concerning my account. All I want to do is to get some answers so I can start making my house payments on a regular basis as my house is going to go back on the auction block on the XXXX of XXXX. I am a XXXX year old XXXX XXXX vetran with some serious medical issues and the stress is not helping my situation XXXX bit. All I want to do is get some straight answers no handouts and nothing free and move on with what I have left of my life and not wind up on the streets. I have a lot of the emails I sent and received however I did n't start doing that until the last week. thanks for reading this. XXXX
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX XXXX   CARDXX/XX/XXXX {$5300.00} XXXXXX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}
I've had a Bank of America credit card for over a decade and have had an auto loan with them for almost 5 years. I am several payments away from paying off the auto loan. Earlier in the year, I opened a checking account with Bank of America. Unbeknowst to me, this transfers my customer and account information onto a different backend system within Bank of America. This transfer messed up my XXXX XXXX setup in that I stopped getting eBills and my automatic payments were cancelled. I was not able to setup another automatic payment triggered off my bills because " the eBills were already created. '' When I called BoA about this, for the auto loan, they told me to just create a fixed amount recurring payment since my auto loan payments do not change. I did this, as they instructed. Due to this issue, I also cancelled my checking account, hoping that switching back to the old system would fix the issue. It didn't, and actually made it worse. 

On XX/XX/XXXX, two identical auto loan payments were pulled from my checking account by Bank of America. I confirmed with my bank that both transfers were initiated by Bank of America. BoA only shows that they pulled one payment, and all the representatives I talked to, both via secure message and on the phone, said they only show in their system that one payment was pulled. They insisted nothing was wrong on their end, and after I bedgered them to delete all of my eBills in an attempt to " purge '' my account, they deleted some eBills from my record ( eBills I could not see ), and I had hoped this would've resolved it. On XX/XX/XXXX and then again on XX/XX/XXXX, Bank of America pulled my auto loan payment out of my account once on each day, totally two payments again. The issue has still not been resolved, they still have an automatic payment setup in their backend system that they either can not find or have not bothered to find. I am lucky in that I can afford to make these double payments without BoA overdrafting my account, but I see these unannounced and undocumented double withdraws as egregious as I could be sitting in a ton of fees if I didn't have excess money in my checking account. I am also close to the end of my loan payments, and I'm worried that this " ghost '' automatic payment will continue to pull from my account even after the loan has been paid off. I have been trying to get them to fix my automatic payments since XXXX, and they just don't seem to be taking this seriously. I'm hoping a complaint to the CFPB will help prioritize this in their eyes.