WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I had a high balance on my American Express Credit Card in XXXX XXXX. I made 3 payments as follows for the month of XXXX : Friday, XXXX XXXX - {$130.00} Monday, XXXX XXXX - {$130.00} Friday, XXXX XXXX - {$11.00}. XXXX These 3 payments totaled {$11000.00}. At this time American Express charged another {$200.00} in interest. I called an spoke with a rep of the company on Friday, XXXX XXXX and she stated she would have this charge refunded on my account because of the 3 payments made in less than a month. 

The following week I checked my account and saw that the amount had not been refunded. I called and spoke with another rep on Tuesday, XXXX XXXX and he stated that nothing was notated on my account and they would not be honoring the credit. Furthermore, he stated all that was entered from the call on the XXXX XXXX was the rep " entered something '' and it was " denied ''. 

I paid off my account with the company and the stated they would credit the interest charge as there were 3 payments and now they have no record of this promise. I find it hard to believe that there is no recording or better detail of the call to what I was promised. I found that the company is gouging and attempting to gain any dollar amount from a consumer even when they pay them almost {$12000.00} in a month.
I sent an credit card dispute/inquiry to the following : US Bank XXXX XXXX XXXX XXXX ND XXXX Attn : Executive Office Consumer Complaints The purpose of this memorandum is to notify US Bank that I seek a full detail since inception of all transactions for the account number XXXX Over the past several years dating back to XXXX, I have been in numerous conversations and interactions with US Bank, via phone, bank visit ; all requesting backup for questioned charges. 

US Bank has failed to provide any supporting documentation. I mentioned at that time that I was giving US Bank at least two weeks to provide verifiable proof that charges occurred on my credit card and if not that I would begin the credit dispute process via Consumer Financial Protection Board. As of XX/XX/XXXX, no proof has been provided. 

Based on the information contained and the Fair Credit Reporting regulations ( laws ), I request that all derogatory information pertaining to US Bank ; get eliminated from my account.
Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX. 
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Equifax continues to report wrong information on my report. XXXX  has already investigated and removed the accounts. The following accounts are not mine and should be removed because they are fraudulent. 

XXXX XXXX -- Account # XXXX XXXX XXXX XXXXXXXX -- Account # XXXX XXXX XXXX -- -Account # XXXX XXXX XXXXXXXX XXXX XXXX -Account # XXXX
Multiple calls received everyday from : XXXX. 

I do n't know why RGS Financial keeps calling me. Calls XXXX times a day from XXXX XXXX to XXXX. Never left a voicemail or stated intention. I have not debt in collection after checking with XXXX major credit agencies. 

Several times when I pick up, there is only silence on the other end.
I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( assest recovery services ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to XXXX bank in my previous name that I have not held in 15 years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had 7 years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away. They have continued to contact me via mail after I asked them in writing to no longer contact me.
XXXX/XXXX/XXXX my personal info was used to get a loan out with net credit without my consent by XXXX XXXX XXXX
I was contacted several times by Caine & Weiner attempting to collect {$210.00} payment for the XXXX 2016 XXXX XXXX XXXX. I was told by the people calling from that office that the payment was to be paid in full and that was all that was said to me. I have explained to them during every call about the situation and that e that I had made several attempts requesting the last month to be cancelled of my auto insurance through them and had went to a different insurance company due to XXXX Agents failing to return my phone calls to them several times inquiring about my policy and ignoring then my cancellation requests. That 's very poor customer service and job performance. I still have yet to receive any information from Caine & Weiner about who they are, where they 're located, any information on how to dispute this claim. Also I have not received anything from XXXX XXXX XXXX, not a bill, not a phone call. The only reason I found out I was put in collections was from a notification from XXXX XXXX. I would like help on this matter if possible. Thank you for you time.
Per my XXXX XXXX XXXX Tracker, TransUnion reported my account delinquent for the amount of {$59.00}, which is incorrect. Please see my current Credit Activity as of today XXXX/XXXX/2016. This information needs to be corrected immediately! 
XXXX is not reporting their information adequately to the credit bureaus!
XXXX XXXX, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
I have been disputing an account that is reporting on my credit report with  XXXX . The account is   XXXX   XXXX   I have paid this account in full over 4 years ago. The company has since went out of business so I do not know how   XXXX   is verifing this information that is reporting is correct. I feel   XXXX   is not doing a proper investigation as I have disputed this numerous times.   XXXX   has finally deleted it off my report but   XXXX   is still verifiying that this is reporting correctly. This item should be deleted off my report like it was with experian credit reporting agency. I paid this bill in FULL. Having this incorrect information reporting is affecting me in obtaining substantial credit as it is affecting my score in a negative way.
I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.
Went to my local XXXX office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
Reference prior Case Number  XXXX  Submitted  XXXX   XXXX   Freedom  Mortgage Responded  XXXX   XXXX ,  XXXX  Freedom Mortgage admitted its error. Submitted information to the credit reporting bureaus in an attempt to undo the damage that it had done. Refunded the wrongfully collected late charges and claimed to have corrected the error, which began in  XXXX   XXXX .     Here we are, nearly a year later. The error that was supposed to be corrected is n't. Freedom mortgage continues to charge me late fees, report false and defamatory information regarding my credit to the bureaus, and CONSTANTLY CALLS ME with people who have no clue what 's going on and want to start the conversation at squar e one . I will be filing a lawsuit.
I applied for a public XXXX XXXX XXXX credit card offer for XXXX XXXX XXXX Membership Rewards after spending {$3000.00}. I spent {$3000.00} on the card and was awarded the XXXX points on XX/XX/XXXX/2017. 

I tried to book a flight in early XXXX, but received an error that I could not, with the following message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I received no notice that my points were unavailable until I tried to use the points, which was misleading. Again, the XXXX points were visibly available in my account since XX/XX/XXXX/2017. 

I did nothing illegal or against the terms and conditions of the agreement. The customer service representatives and supervisors say there is nothing they can do. Some representatives said the review takes 6-8 weeks ; however, it has been over 8 weeks.
I keep getting numerous calls a day from this same company, I answered today and the person was very rude when I was asking her what debt this was for. She said for me to be quiet and that's probably why I don't know what's going on. She said I owed a XXXX XXXX XXXX, XXXX XXXX, which I don't and never had anything to do with either of those entity 's. I told her to send me correspondence and she hung up. I call back to ask what this was for again to find out what is going on and the female was again rude and I said she was real ghetto and she says, Your mama and hung up. I received a voice mail saying something about a check and calling my employer and garnishing my wages for recovery. So, now I am receiving numerous hang up calls from that number, no one saying anything and repeatedly calling. I have had 9 phone calls just today. They said they are with XXXX XXXX XXXX. XXXX. She also said they sent me a letter and I asked when and she said stop acting XXXX. I have no clue what this is for. I have other creditors but not what she is stating. Phone number is XXXX. Sending cease communications letter today.
My house was f
looded due Hurricane Harvey. I do have flood insurance and went through all the proper channels in filing a timely claim with XXXX. The house has been inspected by XXXX and they have sent a check for insurance proceeds co-endorsed to myself and the mortgage company who is PNC Mortgage.
I have filed all requisite paperwork with PNC Mortgage multiple times, every time I call them I get a new request for paperwork that has already been submitted multiple times. Regardless, PNC is refusing to release any funds until 100 % of the work is finished.
XXXX and PNC Mortgage in mid XXXXXXXXX told me to find a contractor and get an estimate and sign the contract with my chosen contractor and begin the rebuild of the house. I did just that and the contractor required some upfront costs as well as payment for work done such as sheetrock, paint, doors, trim all construction costs incurred to date.
PNC originally told me that insurance proceeds would be paid out in third inciments meaning 1/3 up front, 1/3 when the house is 50 % finished and then 1/3 when the house is 100 % finished. PNC is refusing to honor this and has yet to pay anything except a {$5000.00} advance from XXXX.
PNC is currently holding {$76000.00} of insurance proceeds. To date, I am {$69000.00} out of pocket because PNC told me that payment would follow the above installment plan. My house will not be to 100 % complete until XX/XX/XXXX backorder of workers who are to install tile and flooring. 2 months with {$0.00} will literally bankrupt me because some of the work that was completed is on credit cards.
PNC asked me to submit all invoices and checks that prove that I have paid out of pocket which I did, and continue to do as I incur costs.
I feel completely taken advantage of and steam rolled by PNC Mortgage. They have been so terrible to work with from not giving me clear instructions, to misleading payment timelines to outright lies and untruths of how they will deal with the insurance proceeds once they have received a check from insurance.
On XX/XX/XXXX, I received notification that my federal Perkins loan Account # : XXXX, was approved for a Deferment. The letter also indicated that a payment of {$50.00} was due for interest accrued on the Federal Perkins loan. The loan period referenced for the deferment is XX/XX/XXXX. My school XXXX University has requested that I provide a default clearance letter, in order to be eligible for financial aid during the next enrollment period. I was advised by several representatives at XXXX XXXX XXXX that they would be unable to provide a default clearance letter, until the payment of the interest was made to XXXX XXXX XXXX. I am submitting a complaint about the handing of my loan, because the student default letter is being denied, although I have been approved for a deferment of the entire Perkins loan referenced above. I believe that XXXX XXXX XXXX is unfairly withholding the default clearance, based on fees that should be included in the terms of the deferment according to the department of educations definition of a deferment. I was also provided with false information by the agent on XX/XX/XXXX. The agent I spoke with stated that a deferment and a default had the same meaning, and that my loan would continue to be reported as default, although it was approved for deferment. If the terms of the Federal Perkins loan are based on the signed promissory note, it should state the terms specified by XXXX, in reference to the definition and polices of a granted deferment. Definition of default based on www.studentaid.ed.gov : Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. You may experience serious legal consequences if you default. <P/>Definition of Deferment based on www.studentaid.ed.gov A postponement of payment on a loan that is allowed under certain conditions and during which interest does not accrue on Direct Subsidized Loans, Subsidized Federal Stafford Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance ( capitalized ) of the loan ( s ).
On XXXX XXXX, 2015, I called M & T Bank to inquire about options to assist me because of a family emergency and may have trouble making my Mortgage Payment that month. I spoke to a Representative named XXXX XXXX at ext XXXX. She proceeded to tell me about options that were available to assist. However, in the in depth conversation with her I asked several times that if I accepted XXXX of the options, would it negatively impact my credit. She insisted that because I had never missed nor had a late payment that this was a service available to me based on my excellent payment history. She was deceptive in explaining the options and led me to believe that I could skip a payment and add it on the next XXXX months payments without any impact to my credit report. I felt confident in accepting her offer based on inaccurate information. I indicated repeatedly to XXXX XXXX that if it would impact my credit score negatively, then I would prefer not to take the option. I let her know that I have never made a late payment on anything and did not intend to start now. XXXX XXXX assured me that I had nothing to worry about as long as I successfully complied with the payment plan. I made my XXXX payment on XXXX XXXX, 2015 according to the agreement, however, because I check my credit regularly I discovered a XXXX day late payment reported by M & T Bank. I contacted XXXX XXXX to try to resolve the matter and opted out of the payment plan making all scheduled payments as originally agreed. No one has tried to listen to the recorded conversation to rectify this matter. I have called insistently without a resolution or reply. I feel that this is a discriminatory act and a violation of the Fair Credit Reporting Act. I wish to have this matter resolved and the late payment corrected with all XXXX credit bureaus. This has reduced my credit score by XXXX points and negatively impacting my life. Please help to resolve this matter, I take my credit very seriously and due to false information, I was tricked into jeopardizing my excellent credit rating. My loan is in good standing and I am not in danger of losing my home. I simply want the late payment removed because it is tarnishing my good name which could possibly result in higher rates and negative actions from other companies that I have credit with.
On XXXX/XXXX/2016 my company requested a verification of mortgage through the email service at Loan Care, XXXX XXXX. After being told that this request would take 7-10 business days and calling daily and speaking with numerous customer service representatives I have received the information on XXXX/XXXX/2016. This delay has cost our client to lose money on the refinance that she is currently in the process of completing. I have spoken with agent 's numbers XXXX, and many more who mumbled their ID number. I have been transferred around and told that even though this was to be put on " high priority '' per the customer service personnel, that I was unable to speak with any managers. They were always too busy to speak with me and I was unable to hold to speak with them. Only after spending my full morning requesting the item necessary I have finally received this item. I offered for our client to call in to assist in expediting, they stated that this will likely not help our situation.
During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove the charges.. 
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Lowe 's ran a Hard Inquiry on my credit that was not authorized by Me, without my permission or my knowledge.
Despite the evidence I have provided concerning the violations of both Federal Law and Florida Statutes that have been committed in the handling of the debt assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- which extend to committing mail fraud in an effort to cover up said violations -- the XXXX primary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute 83.39 ( a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than two months afterward and then feloniously intercepted it with the help of the Carrier for the route -- who was obligated to forward my mail on a permanent basis as of X/XX/2016 -- in an effort to prevent me from finding out about it ).
SinceXX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full inXX/XX/XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes betweenXX/XX/XXXXto XX/XX/XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced inXX/XX/XXXX is a clear violations of the FCRA.