WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for American Express Delta Reserve card on XX/XX/XXXX. Terms stipulated that XXXX XXXX XXXX  MQMs ( medallion qualifying miles ) would be posted to my account after the first purchase, and another XXXX Delta MQMs posted after spending over {$30000.00} on the card. I reached this spending threshold on XX/XX/XXXX. As of XX/XX/XXXX, I have received neither the initial XXXX MQMs nor the additional XXXX MQMs to my account. I spoke with an AMEX representative in XX/XX/XXXX, who said the miles should post 8 weeks after the initial purchase, or on or about XX/XX/XXXX, and another representative in XX/XX/XXXX who said that both bonuses would post after the third statement cycle. Both of these time periods have long since passed. On XX/XX/XXXX, an AMEX representative informed me that I would have to contact XXXX XXXX to inquire as to the status of the miles. XXXX XXXX  informed me that they have no record of any miles posting and can not do so until they are allotted by the financial  institution.
On XX/XX/2018 at XXXX PM EST, I called Navient 's Private Student Loan customer service center ( XXXX ) to change the billing date of the auto pay for my XXXX private student loans currently in repayment. The XXXX loan payments total {$270.00}. The Navient representative I spoke with told me that they would submit a request for the date change, and that the new billing date would be effective for my XXXX billing period. They told me it would take a few weeks for the new date to be reflected on my online account. I waited several weeks, but then on XX/XX/2018 at XXXX XXXX XXXX I received a reminder email from Navient about my bill, in which the auto pay dates had not been changed. I contacted Navient via phone again on XX/XX/2018 at XXXX XXXX, and was told that the billing date change would not take effect until XXXX. I requested to speak with a supervisor, who repeated the same information, saying the date could not be changed until XXXX now. Thus, on XX/XX/2018 I was provided false information regarding the status of my loans, specifically involving the dates of the next automatic deductions from my bank account. This is a reoccurring issue, with Navient repeatedly providing false information to borrowers, including myself on numerous occasions.
I have sent multiple credit disputes to XXXX XXXX, XXXX, and experian regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX & XXXX XXXX XXXX- {$530.00}
I told the company that I dont owe them and that they should stop harassing and calling me four times a day. I do not Owe the any money. and they should leave me alone. they got rude and started cursing and I hung up. They called right back several times. I dont owe any Debt to them.
I paid {$1200.00} on this debt XX/XX/XXXX. The medical procedure and first delinquency were XX/XX/XXXX. I applied for and was granted relief from the balance of this debt XXXX {$2500.00} XXXX by the medical provider after those payments XX/XX/XXXX. The provider was XXXX XXXX XXXX at XXXX XXXX. 
Rash Curtis is attempting to collect a debt that I no longer owe. I disputed it with the credit bureaus and it remained on my files. 
Not only is it outside of the federal obsolescence time frame for remaining on my file ( Rash Curtis may have received it XX/XX/XXXX but the procedure and delinquency was XX/XX/XXXX ) ... but they are trying to collect a balance that I do not owe.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
My complaint is with XXXX, Experian, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. 

Received notice XX/XX/18 from Debt Recovery Solutions LLC.
My online account access with American Education Services ( AES ) was blocked due to XXXX returned payments within 12months. It was recommended to me to set up an automatic bill payment through my bank, but I could not do that until my account/loans were paid up-to-date. I was told I could not make a payment over the phone for that payment because my account was not up-to-date, so I needed to mail a payment in, but that I could make payments over the phone after the initial mail-in payment bringing the account current. I mailed in the payment and planned on paying over the phone the next month, as I was told I could do. The following month, I called to pay over the phone and was again told I had to pay by mail, even though I was advised I could start making telephone payments. The payment was then late because they refused to accept a payment over the phone.
I was scammed by XXXX XXXX, I was told by XXXX XXXX and XXXX XXXX, that I won {$150000.00} but in order to release my winnings I had to send {$500.00}. I refused so XXXX said that they would see what they could do to help me out. After weeks of talking back and forth to them, on XXXX XXXX they told me that I need a bank account so that they can deposit money into my account. I went and opened a checking and savings account that day at Wells Fargo Bank, I gave them the information that they needed to deposit the money. They kept saying trust me and that I have to do what they say. On XXXX XXXX I gave them access to my online banking. On XXXX XXXX, I received an email from the bank saying I have XXXX mobile deposits {$490.00} and {$500.00} from their friend XXXX XXXX. They told me that I have to take the money out of my account and send {$500.00} to XXXX XXXX in XXXX. And send {$450.00} to XXXX XXXX in XXXX. I told them my funds were pending, they told me as soon as they are available, do as we asked you. On Saturday XXXX XXXX, I received a email saying Deposit Successful!!! So I went to the bank and withdrew {$1000.00}. Went to XXXX XXXX and sent it to them. Gave the agent the control numbers. On Monday they said as soon as they pick up the money, that my money would be on its way to my door step. Excuse after excuse it never showed up!!! On Tuesday morning I received an email from the bank saying that I was overdrawn {$990.00} and they placed a hold on my account for fraud. That the checks were Counterfeit Checks. We went and talked to XXXX at the bank, he said that they front their customers the funds as a courtesy to them. I never would of withdrew the funds if I knew that the checks had n't cleared. I feel I was deceived from my bank. I thought that they are supposed to back their customers!! That is when XXXX gave me Loss Prevention phone number. And Attorney General Office gave me Federal Trade Commission and they referred me to this office
XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX # XXXX XXXX {$180.00} XXXX charge off {$4800.00} XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XXXX XXXX XXXX, FL XXXX
Working with XXXX XXXX XXXX medical supplies for XXXX XXXX supplies. Company is very messed up on website and billing. Bills came with number and very confusing information. Called numerous times over a year, even reps at the company were confused about account and they said they can not see what I see on their own website which is crazy. Finally changed suppliers and things are fine. But XXXX XXXX XXXX is saying I owe {$180.00} which I do not believe I do since website has numerous duplications of equipment and items I did not order. It finally went to XXXX XXXX XXXX and I requested in plain easy to understand what items they are supposedly billing me for. Its been over a month now and have not received a statement as of yet. Today the collection agency called me to pay and I said I am awaiting paper work. They inturn said yes XXXX XXXX XXXX has not gotten back to us. so I said why are you calling me then. They just apologized. This company is just a crazy mess and I want this to stop. Thank you
On XX/XX/XXXX I was charged {$39.00} for a " delinquency charge on {$490.00} '' and another {$39.00} for a " late fee for 45-day past due balance ''. Both of these fees were assessed on XXXX and both were for the same balance due. So really, they 're charging me a {$78.00} late fee. The amount of these charges were disclosed on the prior statement received and I was n't able to find any mention of a " delinquency charge '' in their online help system. When I spoke with their online chat agent I was told that I was 60 days past due and 45 days past due, even though the balance was from a single charge and their statements are released once a month.
i received a response previously from this company advising that payment was made and this account is being updated but I have never made a payment and i sent the documents previously where this debt is apart of identity theft but this company refuses to delete this erroneous information from my credit file i have police report and affidavit reflecting that my identity was stolen this company refuses to recognize the uploads of the affidavit and police report from the cfpb
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports
I 'm having a lot of issues with rush card prepaid card because I been with rush card for a year and some months and they been locking my card so I ca n't use it or withdraw off my money I get Social security and I have my direct deposit on my rush card every month and phone company been going on my account and taking money off my card without my permission and I will call rush card costumer service and they will hang up on me and rush card will have me on the phone on hold for hours at a time and they will never pick up the phone when they do they will argue with me saying it 's my fault and I allow the phone companies to take money off my card and it 's not true when I check my account balance i know some money been taking out of my account and rush card will tell me they put the money back on there and they never put the money back on my card and I 'm sick and tried of it something needs to be done about it asap it 's a constant thing with rush card.
I received an email threatening from XXXX indicating they will sue me if I do not pay for a debt I have no clue about in the amount of {$1300.00}. This company have never once notified me with validation of this debt via usps mail, and I do not know what debt they are referring to as I never heard of them.
I have unauthorized inquiries from:-XXXX XXXX - XXXX-XXXX- XXXX XXXXI have never applied , given or authorized my information or credit to be run by these companies. I don't recognize them at all.Besides the inquiries I also have 2 late payments from XXXX  XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late . The balances are paid off at the moment.
The Us Bank operations ctr. XXXX XXXX mn. XXXX, Phone : XXXX have a report on my chexsystems record saying that possible false information used in opening an account. I used my proper and legal identification opening this account. The U.S. bank closed my account and took the funds I had in my account
My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, Experian ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..
I HAVE BEEN DISPUTING XXXX XXXX BUSINESS XXXX ACCT ENDING IN XXXX WITH XXXX XXXX FRAUD DEPT XXXX ID # XXXX PHONE # XXXX EX XXXX - ON XX/XX/XXXX HE INFORMED ME THAT A BALANCE TRANSFER FROM THIS FRAUD XXXX XXXX BUSINESS XXXX ON XX/XX/XXXX {$4100.00} WAS PAID TO AN AMERICAN EXPRESS ACCT ENDING IN XXXX IN MY NAME. I CONTACTED AMERICAN EXPRESS AND WAS INFORMED THAT AN ACCOUNT WAS NOT OPENED IN MY NAME AS THE CARDHOLDER - BUT AS AN ADDITONAL CARD. I REPORTED THIS AS FRAUD. I NEVER KNOWINGLY APPLIED OR ASKED TO BE ADDED AS AN ADDIONAL CARD HOLDER. THIS NEW INFORMATION IS NOW UNDER INVESTIGATION.
PayPal ran a hard inquiry on my credit on XXXX/XXXX/15 which I did not authorize. I was trying to make a purchase on eBay and I clicked add PayPal credit, thinking I was adding the {$10.00} I had in my PayPal account, but instead you ran a hard inquiry on my credit. I was NOT applying for credit nor did I authorize PayPal to run my credit. Please remove hard inquiry from my credit report with all XXXX credit bureaus. Customer service was very rude and made me cry, when asked to speak to a supervisor I was put on hold twice for over an hour.
Despite two written requests, Capital One unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. 
Specifically Naming " Capital One '' as an entity entitled to enforce a commercial claim against me. 
This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
My dad had me added to his bank account for emergencies so i could access his money to take care of his dog or pay his bills if he was in hospital. The bank used my social security and drivers licence information from this account instead of his to give him a credit card. He did not know they used my information to open this credit card because this whole time they have been sending the bill to his address as it should be. The bank has failed to correct this mistake. I found out about this credit card after I had my credit checked. I went to the bank manager and asked him the process for opening a credit card account and he said all it requires is verbally telling a banker the last XXXX of your social. I find this hard to believe. They didnt ask for a copy of his social or a copy of his drivers licence to make sure they had the right person? They will not produce a copy of this form that was signed for me to look at either. I feel stuck and this is my only credit blemish. How can they use all my info but send him the bill? I feel they used my credit just so they could get a commission on the whole deal because maybe they couldnt make the deal with his credit. I feel the bank owes me an apology as I have only been in this bank one time and that was to get on his debit card account. How are they allowed to look at his account, take my info off of it as his comes up first on screen, as the manager told me addmittedly, and give him a credit card without any verification, under my name. Our birthdates are nearly 40 years apart. They couldnt tell from looking at our birthdates and looking at him alone that the wasnt me. I find it ridiculous I have to deal with this situation. This banks system is garbage, if what the manager said is true, for allowing credit cards and I think they need to be reported for the way they do business. Any help with my situation would be greatly appreciated as I have a wife and XXXX kids to take care of and I am trying to refinance XXXX vehicles and my mortgage asap! Time is money!