WillisBack/dataset-financial-user-claim huggingface dataset:
I was reviewing my latest statement fro m Capital One  dated  XXXX / XXXX /  XXXX  . It shows a  cash advance  amount totaling {$10000.00}. I disputed this amount by writing to them in a letter dated  XXXX / XXXX / XXXX , asking them for documentation showing when, where, and amounts where I received over {$10000.00} in cash advances. All they did was to write back to me in a letter dated  XXXX / XXXX /  XXXX  , stating that the amount was correct. I never took out that amount in cash advances, and if I am not correct, I ask that they give me documentation showing where I did.
I struggled to make monthly payments on several student loans totaling just over 90,000 since I had left school before graduation I was unable to consolidate my loans. Some of which had interest rates over 10 %. After falling behind on my loans I recieved multiple daily harassing phone calls and letters. Several members of my extended family also received calls where reps claimed they had been listed as contacts on my loans ( they were not ) It was offered to put me on a payment plan. In return for 6 months of payments my account would be brought current. I set up an automatic deduction from my bank account and completed those 6 months of payments. At the end my account was not brought current. When I questioned this I was told the funds were not applied to one of my loans and therefore they were all ineligible to be brought current. This issue was never resolved and I defaulted on my loans after almost 40k of interest was added to them over 10 years.
I have had two Capital one credit cards ( GM and XXXX XXXX ) for over seven years and over this period I have requested credit line increases to each account and was denied each  time. 

The general reasons for declining, poor credit history, too many open accounts with balances, etc., I understand. However, each of my requests were, these credit cards are not eligible for credit limit increases and we are working on it. My question, after seven plus years? 
I spoke today to a Capital One representative and he says the only viable solution is to apply for another card. I suggestedthe two small limits ( $ XXXX and $ XXXX ) be combined and was told again, these two cards are not eligible for combining. 
I mentioned I did not want a hard inquiry for this seemingly internal issue but he did not offer any other alternative. 
I am asking for a practical solution to this problem instead of the seven+ years of runaround which is totally unacceptable at this advanced technology stage.
I receive Social Security monthly. Since I do not have a bank, Social Security recommended the XXXX XXXX card to have the money deposited on. On XX/XX/2018 an ATM withdrawal of {$300.00} plus atm fee of XXXX was deducted from my card at a XXXX in Washington State. I live in Utah. When I contacted XXXX XXXX they said they would review it an add the {$300.00} back on if fraudulent. They sent me a letter determining it was fraudulent, however, instead of adding {$300.00} they deducted an additional {$300.00}! I have called them no less than six times! Each time I was transferred to a supervisor and told to " wait '' as they had no way of taking care of this problem. It would just be taken care of within the system as they had already alerted their other department. I was told this on the XX/XX/XXXX!!! It is now the XX/XX/XXXX. I have no money for food or rent! I then went into the Social Security Office. They told me the money they sent to XXXX XXXX was sent back to them. They also said they would try to resend it. XXXX XXXX said they never returned the money. Social Security said NOT THEIR PROBLEM and to only talk to XXXX XXXX. XXXX XXXX knows nothing about returning the Soc Sec money back to Soc Sec and can not do anything about The now missing {$600.00} ( the initial theft and then the addition XXXX XXXX   deduction ). This whole scenario is convoluted and neither companies are willing to speak with each other or help me, so I am appealing to you. Again.. I have no funds available for food or rent!
Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that AutoVest ; which is also " XXXX XXXX XXXX XXXX ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.
They called 7 times today, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This occurs almost daily. We filed ch XXXX bankruptcy on XX/XX/XXXX and they have been told this information.
Miller, Stark, Klein , & Associates contacted me about an alleged debt from XXXX XXXX. They made statements such as pre-legal, civil action, advising their client to move forward. Seemingly in an attempt to imply that they would be taking civil action against me for this alleged debt. They stated that the alleged original debt was with XXXX XXXX for a XXXX card. I have no current delinquent debts reflected on my credit report. Any such debts aged off of all XXXX of my Bureau reports last year, making them in excess of 7 years old. The statute of limitations in my state is 4 years. After a brief search of the Texas Secretary of State database, I found no registered debt collectors under the name they provided me. The Texas finance code states that anyone attempting to collect a debt in the state of Texas must be registered with the Secretary of state. In addition to this, if this is a valid debt, they are attempting to collect on a debt, via scare tactics, by threatening or implying legal/civil action on a debt that is well beyond the statute of limitations in my state. 
They are leaving a call back telephone number of XXXX
Lost condo to foreclosure due to Suntrust failure to properly and timely process modification.
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and Equifax. I have a excellent payment history. I am XXXX XXXX and Retired.
I ATTENDED XXXX XXXX IN XX/XX/2006. MY PRIVATE LOANS ARE NOW WITH A COLLECTION COMPANY. MY LOANS WENT FROM {$5000.00} TO OVER {$18000.00}. I BELIEVE I HAVE BEEN OVER CHARGED. I UNDERSTAND THAT ALL OF THE XXXX XXXX   COLLEGES HAVE CLOSED AND ARE BEING SUED. I'M CONCERNED BEING THAT I ONLY ATTENDED ONE SEMESTER THAT MY LOANS HAVE NOW WENT TO COLLECTIONS WITH AN OUTRAGEOUS BALANCE. MY LOAN WAS SENT TO XXXX, XXXX, AND XXXX. I DON'T EVEN HAVE A TRANSCRIPT TO TRANSFER ANY CLASSES IF I WERE TO ATTEND ANOTHER SCHOOL TO PERSUE THE SAME DEGREE.
I called : Creditor Contact Details :   FIRST HERITAGE    XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX , (  XXXX  )  XXXX . I Had them check the information and because I used to have an account with an Ex-husband they had the Social Security numbers wrong. They had my Social Security under his name. They have changed that for me to avoid further confusion. Please remove this hard inquiry from my account. It has nothing to do with me. Going through with divorce has caused some Medical accounts to too fall behind on my  credit score . I will pay them immediately. Thank you very much.   Your quick response would be greatly appreciated.   Sincerely.    XXXX   XXXX
I have been denied a Modification due to the Servicing Company 's admitted error and slow processing time.
I wrote a letter to the company of IC Systems and ashed them to send me something validating this account. Something that proves I am indeed the person responsible for paying this debt. I received a letter back stating that they can not verify that information, so I would like this account removed from all 3 credit bureaus.
XX/XX/XXXX was told by Service Rep at Citibank Credit Card that I was eligible for the XXXX XXXX XXXX bonus miles if I was approved for the new platinum card and after charging $ XXXX within 3 months. In fact, he tried to upsell to a more expensive card with XXXX miles I was eligible for. Online, I applied for and was approved for the card almost immediately. When the card arrived I activated it XX/XX/XXXX I noticed in tiny print on the back side of the Welcome letter that I was not eligible for the bonus offer due to recent opening or closing a Citi Card ( s ). I called and and was told by a Service Rep that  Citibank had cancelled a Citibank card in XX/XX/XXXX due to lack of use and that was within the 24 month period, outside of which the bonus miles would be awarded. Spoke to a supervisor, XXXX, who said the same thing had happened to him by CitiCards ( which seemed a bit unbelievable ) and he offered the solution to apply for a XXXX XXXX card not needing the 24 month period, and for which I would get points to use for hotels, airlines, etc. I told him that unless I continue to use a credit card associated with XXXX XXXX, and of which the card he suggested was not, I would lose the XXXX miles I have acquired on XXXX. I asked if they could close the new credit card and show it not opened, I would wait until XX/XX/XXXX for any new offers. Impossible, he said. After I asked for his supervisor, named XXXX, I was told he would call in 24 - 48 hours. 
XX/XX/XXXX Have not heard from Supervisor XXXX. I called Cust. Service, spoke to XXXX and then her supervisor, XXXX who acknowledged from the record I should have received a call back but no one did. She explained that my issue is a 'gaming rule ' and that NO ONE could cancel the account and show it not opened so I was now in a going forward 24 month period of not being eligible for any bonus offers, including the present one. 
XX/XX/XXXX filed complaint with CitiBank Ethics Hotline. Am advised by email I will not hear the outcome of the complaint. 

In the 20 years of being a Citibank customer, I have never registered a complaint of any kind but I can not accept this deceit of being told I was eligible and then in the tiny print, finding out I was not. Citibank customer reps seemed more interested in selling me additional products for commission than resolving my problem.
We purchased our home while XXXX was XXXX XXXX XXXX. Upon leaving the military in XX/XX/XXXX 2015, his job that was promised did not happen and became underemployed. I, XXXX, became XXXX with XXXX and on full bed rest and on XXXX from work. The XXXX were born 3 months early. One XXXX has major health issues that require special care. XXXX tried to find a better job and once employed did not receive pay for a few months. At this point we could n't keep up with the payments and fell behind on our mortgage. Now we are in a desperate need of a short sale. We have an offer on our home, we just need more time to get it reviewed by the bank. Will you help us get the foreclosure sale date postponed? It is currently scheduled for XX/XX/XXXX. The bank is Loan Depot and the loan number is XXXX. Thank you so much for your help!
I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. 

CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
I 've been in repayment of my loans since XX/XX/XXXX with Fedloan. In XX/XX/XXXX of this year ( XX/XX/XXXX ) I enrolled in a XXXX degree and applied for loans. Once my new loans were instated, fedloan, automatically deferred my previous loans. I called them immediately on XX/XX/XXXX when I realized this had been done and I requested it be reversed as I want to continue paying my loans. They told me I have to sign a waiver and I requested they send it to me right away. Today is XX/XX/XXXX, I still have not received the waiver, despite 5 more conversations with Fedloan. I am told that once I do receive and submit it to them it will take another 7-10 days to reinstate it. In the meantime I am accruing interest at the full rate instead of the rate discounted .25 % for having automatic debit through them. I never asked for my loans to be deffered and they are being extremely unhelpful in allowing me to repay my loans.
XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX  and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under  subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to  placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )
I dispute date account open for XXXX XXXX XXXX. The date account open is incorrect for XXXX XXXX XXXX account on my credit report. I am requesting that this XXXX XXXX XXXX account is deleted off my credit report.
Greetings : I called XXXX XXXX customer service to purchase a diamond ring over the phone through XXXX credit card so I made the purchase over the phone and the agent took all the information needed to complete my purchase however I have not received the order since XXXX XXXX 2017 So  I have called several times to resolve the issue, so XXXX customer service response always was contact XXXX since the shipment supposed to be delivered by them so I called XXXX to report that issue so they opened the case however I have not gotten any calls from their investigation department to resolve my issue so please assist me with that Issue. Thank you
I opened an account with capitol one in XXXX XXXX. I had a max balance of {$300.00} and slightly went over. After complaining to capitol one directly about the extraordinary extra charges that they were putting on my account and would not work with me, I stopped paying on the account and allowed it to go into charge off state and avoided paying it while they charged interest and charged it off at {$700.00}. 
XXXX XXXX I received an additional account on my credit report from around the same time in XXXX that I was not financially responsible for. I contacted capitol one and asked for this to be removed and filed a complaint with them. They in turn sent me paperwork saying that it was correct and it was from my XXXX XXXX account and not the one that I was n't financially responsible for. After consulting with a few different agency and them putting inquiries on my credit report I finally located XXXX that was willing to sit down and help me. 
I contacted capitol one in XXXX XXXX and asked for the account that I was not responsible for to be removed from my credit report and to make a settlement with the other. Capitol one agreed to remove the other from my report and sent me an email with the settlement offer of {$450.00} and the account is considered settled and no further collection efforts would be made. I am under the understanding that once I paid this, the account would show closed and {$0.00} balance with it automatically being removed from my report due to age in XXXX XXXX. 
I went back to the person that agreed to help me and we got online and filed disputes with all XXXX credit bureau in regard to the above accounts. After the disputes were made capitol one removed the account that I was not financially responsible for reluctantly. They also showed my original capitol one account still being in collections/charge off state with a balance now of {$250.00}. I disputed this account AGAIN with the credit bureau 's and provided a PDF of the settlement agreement. Capitol one submitted their claim and denied my dispute. Now I am contacting CFPB for help on this matter
I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$460.00}
I am filing a complaint against American Express due to non distribution of my full reward points upon completing my minimum spend ( completed 30 days after receiving my credit card ).
I have attempted to handle this multiple times via phone as well as website chat but have had XXXX   success. On XX/XX/XXXX I spoke with a chat representative from the XXXX  XXXX  site who informed me that the error is on their side, and that my points would be credited " soon ''. I have attached a screenshot of that portion of the conversation. But that never happened -- so I spoke to another representative via phone support to try and get the issue resolved. That was sometime around the XX/XX/XXXX. On that call, the AmEx representative was able to get my full reward points amount to reflect ( a total of XXXX  points ) -- but those points do NOT reflect in my XXXX  account, which is where I need them to be in order for me to book any type of travel arrangements. It has been 6 months now, and I still do not have my rewards points reflecting in my XXXX XXXX XXXX account. I only show the total amount spent, which is 11,200 roughly. I have included screenshots to indicate that my minimum spend was hit within 30 days of receiving this card, as well as the discrepancy in points reflected in both accounts, and it has been well over the 6-8 weeks that American Express keeps regurgitating to me to wait for these points to appear. I have held up my end of the bargain on this and spent thousands of dollars with their company which they have made money on through company interest fees, and yet they have not held up theirs and credited me these points owed. Please let me know if there is any additional information I can provide on this matter.
Thank you, XXXX XXXX XXXX
An old civil judgment has been satisfied. I sent the " Removal of Recording '' to the bureau to have the posting removed. Equifax declined stating they need an " Expunction '' statement from a local judge to remove. In Louisiana, expunctions are completed for XXXX Judgments. I explained there is no civil expunction process in place ; furthermore, I was told by the courts that the Removal of Recording statement from the attorney/client was sufficient to have it removed. The Equifax still refuses and is asking for something that can not be produced. Basically, there is nothing they will do to remove the old judgment from my credit report. The Civil Judgment docket number is XXXX.
I was told once I paid my debit for {$52.00} to XXXX XXXX ( XXXX, NC ) it would be removed off of my credit. It has not my receipt was Print Date : [ X/X/17 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Payment Receipt Acct No : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your payment ( XXXX ) of : Post Date : X/X/2017 Location : XXXX XXXX XXXX XXXX Amount Paid : {$52.00} Current Balance : PENDING Discount : {$0.00} Payment Type : Credit Card Confirmation ID : XXXX Credit Card Type : XXXX XXXX Credit Card # : XXXX Approval Code : XXXX This is unacceptable and it 's hindering me from progressing in life
I have submitted a complaint to Equifax with regards to 2 accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Equifax with regards to these to accounts. Please remove the following accounts from my credit file : XXXX  opened XX/XX/XXXX XXXX/XXXX opened XX/XX/XXXX The following addresses is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX
I have a charge from a city I have never been to. And dont know why my card was charged.
American Honda Finance Corporation mailed me a check from a settled claim between XX/XX/XXXX and XX/XX/XXXX. 
The check however, was mailed to my old address and I was not made aware of it until after the check was void. 
I contacted AHFC about this issue and they claimed that it was too late to reissue the check. 
I am currently in possession of the original check.
Over the last 120 days American Express has emailed and mailed me over 17 notices asking me to apply for either the Delta Gold, American Express Green or the American Express Blue card. I have a credit score of over 734 with established credit card accounts with XXXX ( 2 ), XXXX ( 2 ), XXXX XXXX ( 5 ), XXXX XXXX, etc. Oldest credit card line is over 37 years old with no late payments. I believe American Express 's credit approval system is working in an opposite direction than their marketing process, thus misleading many consumers ... promising in their marketing materials you are " pre-approved '' and wanted by them but their electronic process has obvious errors built into their system. I want American Express to stop misleading the consumer with misleading marketing messages and have my application reviewed. 

I am a top loyalty program XXXX flyer with both XXXX and XXXX XXXX memberships. XXXX has told me I am flagged for special treatment if I file any complaints and that they want to keep my flying loyalty. I currently sit on the XXXX XXXX XXXX XXXX for XXXX and deal directly with XXXX and the local airport management as XXXX XXXX.
I need the information to be linked to XXXX for financial services and it won't let me link up to the software.