WillisBack/dataset-financial-user-claim huggingface dataset:
With XXXX XXXX XXXX XXXX preferred  Card.

I opened my account on XX/XX/XXXX. I was seeing 2 offers at that time, first one is {$150.00} back when spending XXXX  first 3 months, the other one is {$250.00} back when spending XXXX  first 3 months. Apparently I clicked on the wrong link, even though I thought I saw {$250.00}, but then they told me " no, it was XXXX  offer I saw. '' I had screenshot the offer from XX/XX/XXXX. Please see the attachment image from XX/XX/XXXX. 
Then no long after I applied, they changed to XXXX  back with first year fee {$95.00} waived, XXXX, it is very close to the offer I initially saw. I called the customer service again to ask if they could waive my XXXX  fee instead, since it is the offer now. Both the customer Rep and her supervisor told me there was no way the fee would be waived.

My boyfriend heard the story, he felt bad, since he was the one who referred me to open the account ( which he should have gotten his referee fee, they could n't credit him either, because I clicked on the wrong link ). My boyfriend called in from his account and phone number, we gave the Customer Rep authorization to look into my account, she said she talked to her supervisor and was able to credit me the {$95.00} intro fee in 2-7 days. That was on XX/XX/XXXX.

9 days passed, I did n't see any credit amount on my statement, I called in again. Same thing, the lady told me she talked to her supervisor, there was no way to credit me the intro fee {$95.00}. My boyfriend got annoyed, he called in again. So it turned out they credited him the {$95.00} intro fee because he 's been with Amex for a while. How ironic!!!

However, as first time female customer, I was not able to get fee waived at all because I clicked the wrong link. First of all, why would they show 2 different offers at the same day same exact time, just because I clicked the wrong link, I did n't get XXXX offer. Then Why was my boyfriend got intro fee waived after being a long term customer, and I was not. He called in on my behalf anyways, ironically Amex waived him the fee.

So he ended up telling the customer Rep to transfer {$95.00} from his account to mine since he felt bad what happened to me. The unfair treatment to Amex customers! I felt ashamed by how Amex handled my situations.

I have contacted Amex through chat, phone twitter multiple times ( at least 8 times ), I could n't get any credit or fees waived. My boyfriend called in once- got his intro fee waived even he was calling on my behalf, oddly enough.
Both Experian and XXXX are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and XXXX also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called XXXX  to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my credit cards use XXXX for the FICO score with the statement : The score was based on XXXX data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late.
I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up. 

At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me. 

Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me. 

I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.
Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect XXXX is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on XXXX in Texas.
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX CARD Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX CC Account Number : Please remove it from my credit report.
I was recently contacted by Monterey Collections via US Mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for lab work that was performed on XXXX/XXXX/XXXX. As explained by my physician at the time, and clearly printed on their brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk '' and further states, " if your insurance company sends a check directly to you, rather than XXXX XXXX, please sign the back of the check, write 'Pay to the order of XXXX, XXXX XXXX ' and forward the check along with the XXXX to XXXX, XXXX ''. I have sent via certified mail copies of the XXXX from XXXX XXXX XXXX and spoken with the a representative of XXXX who states the check for payment of {$680.00} on approved charges was issued on XXXX/XXXX/XXXX and cashed by the 'provider '. 

I have now received an alert from the company who monitors my personal and financial information against fraud and identity theft, XXXX, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I made XXXX attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left messages requesting they contact me to discuss this debt. After no response from them I have mailed them a certified letter and enclosed copies of all the the information listed above. 

I have excellent credit and have worked very hard to achieve this. I am retired and proud to say that I do not have any debt. I do not feel that it is fair that I may have to hire an attorney to resolve this matter when I feel it is a clear example of consumer harassment.
To whom it may concern, I have been trying to set up automatic payments with XXXX  Heartland for two months now. I have been reliable on my payments now for nearly two years but when they switched to  a new website they keep " losing '' my information. I tried to set up automatic payments in XX/XX/XXXX and I received an email confirmation stating the following. 

Below is confirmation that your recurring payment has been scheduled/edited. Transaction Date : XX/XX/2017 Heartland ID : XXXX Organization Name : XXXX XXXX XXXX XXXX XXXX Product : Student Loans & Receivables Routing/ABA Number : XXXX Account Number : XXXX Account Type : C Total Scheduled Payment Amount : {$830.00} Scheduled Payment Date : XXXX of Every Month ( Starting on XXXX ) However, I recently received a letter from the company stating that I was 45 days late on my payments. I contacted customer service and they gave me the run around and said my XX/XX/XXXX information " did not save '' and offered me the option of a one time payment, which by the way comes with fees of up to 3.95 % of the loan balance. Why did they send me a confirmation email if my payment " did not save ''? 

I am getting nowhere with this company and I am not going to pay fees that are a result of their negligence not mine. 

Thank you, XXXX
I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.
Contacted them several times for validation of debt and received no response. Also notified the XXXX credit bureaus of the inaccuracy. In addition to that information i also found the following link in reference to this company .... 

https : XXXX
I have recently received a response letter from Ocwen Loan servicing in regards to a CFPB report that was filed 60 days ago. I was very much to the point in the CFPB report that I wanted a response back through the CFPB as to my claims. This is not has conspired the company has permission to correspond back and forth with me and does so but when asked to place the facts in writing and with a agency that knows what the rules are and can see what the company has done its much easier to just mail it to your law firm where it might not get notice and just filed away not this time. Please reply to my redline statements of included in the letter sent to my law firmed. Please reply back through the CFPB with in the allotted time frame.
I would like to have my loan dismissed. My previous school XXXX I attended before returning to school for a XXXX degree is no longer open and I should not have to continue making payments. These payments were consolidated into XXXX loan along with my schooling for XXXX. I believe this loan should be dismissed all together or forgiven.
I closed a cell phone account with XXXX in XX/XX/XXXX/XX/XX/XXXX in good standing and all payments were paid in full with a XXXX balance. Since XX/XX/XXXX/XX/XX/XXXX I  did not have any accounts with XXXX and I joined my husband 's phone account where all bills are under his name. Therefore, I have not had a phone bill under my name since XX/XX/XXXX/XX/XX/XXXX. Suddenly, in XX/XX/XXXX, I noticed a derogatory collection on my credit report with XXXX XXXX   stating that I owed {$170.00}. I XXXX XXXX XXXX to obtain a phone number and inquire as to why I was being hit with a collection on my credit report? I was notified that the collection was with XXXX and that if I did not believe the collection was valid then I needed to contact XXXX. I contacted XXXX and gave them my information. When I went to verify information on the collection account, it was noted as an active phone line and all of the information on the cell phone account was not mine except for the name. At this time, the rerouted me to the XXXX   Fraud department where I provided information by phone to a representative. After this, there was no further communication with XXXX. I then proceeded to call XXXX XXXX and let them know that the information provided to them was inaccurate and that I had not had a phone account with XXXX in 8 years. I asked for Verification of Debt to see if my information had been cross-referenced or used by someone else. Convergent told me that I had to pay the collection and never provided me with any type of documentation. Subsequently, I disputed the accuracy and legitimacy of the debt. The collection was removed twice without any statement or follow up from anyone but then it would reappear in 2-3 months. Now it is XX/XX/XXXX and XXXX XXXX is continuing to call me multiple times a day but will not leave a message or reference as to why they are calling. In addition, I never received any validation that this collection is mine and if it was legitimate, my last valid account with XXXX would have been in XX/XX/XXXX/XX/XX/XXXX which is 9-10 years later ( past the Statute of Limitations. ) I question the validity and accuracy of this collection and I would like to be provided with all information necessary so I can proceed with necessary legal action.
My former employer XXXX XXXX pays XXXX % of my tuition with XXXX XXXX University. XX/XX/XXXX I enrolled in class and withdrew from the class in XXXX XXXX. I was never sent a bill for the class. XXXX and XXXX had a tuition deferment agreement that no money was paid upfront and XXXX would pay XXXX % of the tuition at the end of the semester. I continued to be employed by XXXX until XXXX XXXX during that time I never received a bill or notice from XXXX or XXXX stating that I owed money. It was my belief that the class has been paid for. 

XX/XX/XXXX I received an email stating that I was being sent to collections for a debt XXXX+. The woman at XXXX I spoke with at the time told me they had been sending bills to my SNHU email ( I never opted into that and since I was only enrolled for 3 weeks I never checked the email account after I withdrew from the school/class. ). 

Obviously XXXX is refusing to pay for the class because I am no longer a employee. 

Last month the debt hit my credit report and after speaking with XXXX and National Credit Management who is the Collection Agency for the account, it is clear they do not have a phone number for me or current address ( moved in XXXX XXXX ). 

I do not believe I owe this debt, as SNHU failed to properly notify me of the debt, refuses to validate the debt and has a tuition agreement with XXXX. This bill should have been sent to XXXX XX/XX/XXXX. Even if XXXX had emailed me at my personal email ( which they have on file ) or mailed me a bill or notice in the 10 months following the class I would have handled it with XXXX since they were fully paying the bill.
Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90  days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.
I opened up a new American Express Business Platinum card on XX/XX/XXXX to use for business purchases. On XX/XX/XXXX all of my American Express credit cards were hit with an " American Express Financial Review '' in which they suspended all of my accounts and prevented any charging from being done. Since that date ( XX/XX/XXXX ), until now ( XX/XX/XXXX ) I have been working with the AMEX Financial Review team to try and get any documentation required for the accounts. They requested tax documentation from the IRS and I did my best to get them the required documents. Initial forms were faxed to AMEX on XX/XX/XXXX with follow up forms mailed on XX/XX/XXXX. The process continues to this day ( XX/XX/XXXX ) with the final deadline being XX/XX/XXXX. During this time all of my American Express cards were in a suspended state and were unable to be used. Unfortunately it has come to the point where I have chosen to close the Business Platinum card. AMEX charged me an annual fee of {$450.00} on XX/XX/XXXX. Typically, there policy allows for a full refund of the annual fee if closed within 30 days of the previous statement. Due to the fact that my card was suspended and charging was unable to be done I have requested they reimburse the annual fee after having closed the card today on ( XX/XX/XXXX ). I was able to " use '' the card for XXXX days before it was suspended for the financial review - and having since closed the card I will obviously not be using it for the rest of the year. American Express used the suspending of my card and the " financial review '' to insure that my card would age beyond the ineligibility window for an annual fee refund. It is unacceptable to think that they will try and charge me {$450.00} for a card I was only able to use for XXXX days, then punish me and disallow a refund because I was trying to comply with their financial review process which took over XXXX months.
I fell behind on my credit card obligation and when I was able to catch up, I initiated contact on or about with the Walmart Credit Card department. I was able to pay the entire late payment and bring the account current with the agreement of the agent that the account would remain open and current. I also agreed to initiate direct payments to keep the account paid as required. After the agent took my bank account information and set up the payments, all parties were stratified. However what actually happen was, they closed my account and charged it off and the money that was for payment was never applied towards the account and remains unaccounted for. I have a bank statement proving the payment was made. The charge-off was never disclosed to me and what was reported to the CRAs are false and inaccurate.
An entry on my XXXX credit file for a collection. Can not reach company to dispute. An entry on dated XX/XX/2018 to my XXXX credit file from Receivables Mgmt Group that states that I owe XXXX ( original creditor ) the sum of {$830.00}. XXXX has never sent me a bill, nor do I recall ever visiting XXXX. Receivables Mgmt Group also has not sent any correspondence regarding this debt and placed it on my XXXX credit report without doing so. Under the Fair Debt Collections Practices act, I have the right to request validation of the debt ; not VERIFICATION. Reporting this debt under the Federal law may constitute fraud. Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide me documentation that indicates that I agreed to pay someone this sum of money. What was the original date of delinquency for this account? Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? Also there was no account number listed on the collection, so this makes me think that this really does not belong to me, so I need to know if this debt is actually valid.
I have contacted the company multiple times, stating that I am unable to constantly make these high payments. Their response is always, " There is nothing we can do to help you. '' They are making it very difficult to make a living.
My problem is with PAYPAL CREDIT, a subsidiary of PAYPAL ( specifically with a promotion entitled 6 mo free if paid on time ). Here are the relevant facts : My XX/XX/XXXX XX/XX/XXXX Statement DUE XX/XX/XXXX with " Amount to avoid Standard and Deferred Interest {$3300.00} ''. 

I placed a call to PayPal Customer Service on XX/XX/XXXX and specifically inquired if a {$2500.00} refund, which was being processed by PayPal, when cleared, would apply to my PayPal Credit XXXX statement balance of {$3300.00}. I WAS TOLD IT WOULD. 

During that same phone call I was advised that the difference of {$820.00} or more would be required to avoid interest. On the XX/XX/XXXX I made a payment of {$850.00}. 

My {$2500.00} refund sent to my PayPal Credit account was cleared on XX/XX/XXXX. 

On XX/XX/XXXX ( first business day after the XXXX deadline ) I was charged {$390.00} interest. 

My next call revealed the reason behind my dispute/appeal : - The Customer service wrongly told you that the refund would apply to your XXXX Statement ; - Person you spoke with on XX/XX/XXXX was a PayPal Customer Service member, NOT from PayPal Credit Customer service and THEY WERE NOT AUTHORIZED TO MAKE SUCH A CLAIM. 
- Your refund was applied to another promotion instead of your XXXX Statement, so you were charged {$390.00} for non-payment of {$3300.00} in full. 

I sent a FAX to PayPal Credit, demanding review and reversal of the {$390.00} ; I received two emails ( do-not-reply kind ) that a ) acknowledged receipt and b ) stated " Our response, if any, will be reflected in your account balance in 24-48hrs '' ...

One week later I had to call back to find that my appeal for fee reversal was denied, no further communications was deemed necessary.
Just checked again today trans union still has not taking off the 2-3 inquiries off my credit report. I did put on a credit freeze and fraud alert on my report they did not block these fraud inquiries at all! XXXX and XXXX did. One online account from trans union is reporting 3 inquiries. This website I can see the companies for the inquiries also when I make a disbut online my inquiries cant be added the the list. Just can edit personal information as in address and phone numbers.
CAPITAL ONE BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
On XXXX I discovered the withdrawal of {$290.00} from my bank account for a loan from " Castle Payday '' which I never applied for. I have since discovered that the loan, for {$850.00}, was taken out in late XXXX in my name, and has a 38-month payment timeline and a roughly 400 % APR!