WillisBack/dataset-financial-user-claim huggingface dataset:
While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.
So I applied to American Express Blue Cash Everyday credit card. The promotion said " For the first {$2000.00} dollar spending in a U.S. restaurants in the first 6 months, get 10 % cash back ''. I spent {$1900.00} dollars in U.S. restaurants which is clearly marked in the " Statement '' section. However, only 1 transaction of {$17.00} was being honored as spending in a " U.S. restaurant ''.

I tried to contact the bank for more than 10 times. For 8 times, they opened a case for me and never responded later. For one time, they said that are facing technical difficulty and should be solved in 4 weeks which did not happen. 

The last time I contacted them, which was today, a supervisor was talking to me and telling me that all the transactions but one are being listed as " other purchases ''. It is very clear from the statement page that those transactions are being processed as " restaurant '' purchases, but I don't know how, from the customer service 's perspective, they are being processed as " others '', which would help them not giving me the cash back they should give me. ( And other banks like discover processed it as restaurant normally ). They said it has something to do with the tax ID the restaurants are using and the customer service asked me to check with the merchant if they listed themselves as restaurant which is an impossible task to do. Plus, I spent at several chain restaurant which they have very little odd that they register wrongly. It has been 7 months since the problem starts and they can not give me a satisfying answer.
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) Asset Acceptance who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names XXXX XXXX XXXXXXXX. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a Asset Acceptance/XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that Asset Acceptance never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me Asset Acceptance contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay Asset Acceptance and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
I opened a secured credit card account with XXXX XXXX and made my initial deposit of {$300.00} to secure the balance on my card. XXXX has closed my account. On my credit report is states that my last payment was XXXX XXXX, XXXX. Since then my account has been closed. I no longer continued to use the card. XXXX has continued to report that I have a balance on my account. I have spoken with representative several times about this account inquiring as to why before XXXX charged my account continued interested and then later over the limit fees was my deposit not applied to my account to balance as stated in the original agreement. They were notified to close to the account and use the secured to pay off my balance but instead they continued collection activities on this account and is now reporting that I still owe a balance and that the account is written off. How do I 1. Have a balance on a card that was secured with a deposit. 2. How are the credit bureaus still allowed my many attempts to have this account removed since they choose to not to update it appropriately because it is showing along with bad payment history as opposed to paying the balance which was below the {$300.00} at the time and then just closing my account. It closed the account showing that my credit utilization was at 152.00 %.
Upon opening the account, the advertised sign up bonus was {$100.00} after opening with a {$100.00} initial deposit.

I have not received the bonus funds, and have not received a response by email from the company. When attempting to call the company, the line goes to voicemail and the calls are not returned.
XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX ACCOUNT # XXXX To Whom It May Concern : IT IS TOTALLY RIDICULOUS THAT AN AUTOMATED PAYMENT OF {$220.00} WAS TAKEN OUT OF MY ACCOUNT WHEN I ONLY OWED {$93.00}. THE EXCUSE GIVEN IS EVEN MORE RIDICULOUS BY XXXX  AND XXXX AGENT # XXXX. IF I DO NOT OWE BUT {$93.00} THEN THAT IS WHAT SHOULD HAVE BEEN TAKEN. I REQUESTED THAT THIS BE IMMEDIATELY REFUNDED OR CREDITED TO MY ACCOUNT AND WAS TOLD THAT IT WOULD TAKE UP TO 30 DAYS. IF YOU CAN AUTOMATICALLY RECEIVE MY MONEY WHY CANT YOU AUTOMATICALLY REFUND MY MONEY.

I CALLED ABOUT MY LAST PAYMENT BEFORE IT WAS DUE AND NONE OF YOUR EMPLOYEES INFORMED ME THAT I SHOULD STOP THE AUTOMATIC WITHDRAWAL AND / OR CHANGE IT TO THE AMOUNT THAT I OWED. EVEN SO, YOUR SYSTEM SHOULD NOT TAKE MONEY THAT IS NOT OWED.

I AM SENDING THIS LETTER TO THE STATE DEPARTMENT AND ANYONE ELSE THAT WILL TAKE ACTION SO THAT THIS WILL NOT HAPPEN AGAIN TO ANYONE OF YOUR CUSTOMERS.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX CC STATE OF XXXX
Took out a loan, originally with Sallie Mae who sold it to Navient in XX/XX/2014. The original note with Navient was over 26,000.00. The school was XXXX XXXX out of XXXX XXXX Colorado. The loan was to assist with achieving a XXXX XXXX XXXX. Not long after taking a few lessons from XXXX XXXX, they closed their doors and went out of business. Still responsible for this loan, which my mother co-signed for. The guidelines for removing the co signor was to allow Navient to deduct from my personal bank account the monthly payment, be on time for 12 months, and they would remove the co-signor. The loan is now paid down to just over {$6000.00}, the loan has been paid on time, for over 12 months. Filled out the paper work required to remove the co-signor, and my claim was denied. After calling to find out the details, was informed that they needed a " Certificate of Completion '' from the school, in order to remove the co-signor. This of course is impossible, but Navient will not budge. They have suggested taking out another loan to pay of this student loan, or go to a different school to get the XXXX XXXX XXXX. Both are out of the question. Spent well over an hour on the telephone with different supervisors, but they will not make an exception. 
There is no way to contact this school, another school with the same name is in the XXXX but they claim they are not affiliated
XX/XX/2014 I received a settlement of XXXX. Less than 2 months later {$89.00} XXXX is spent. I 've never made any major purchases such as cars, houses etc. I closed my account after speaking with a wells fargo representative asking her is there any way some one could take money wuth out my knowledge she replied no. I just called wellsfargo and they have no records of my banking info stated it wss archived. After soeaking with XXXX from FDIC she stated they should gave kept my records for 7 years. At this point I am requesting a full investigation of fraudulent activity on XXXX account number XXXX routing number XXXX XXXX. 
Thank you XXXX XXXX XXXX Ga XXXX XXXX
XXXX XXXX, & Experian are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
I have been submitting information to Chase since XXXX of XXXX. I sought out a HUD approved counseling agency to seek assistance. My XXXX has complied with all the information that has been requested. The customer relationship XXXX XXXX XXXX has reached out to me on only one occasion. To date I have not heard from her in regards to the status of my file. They have asked for the same information multiple times. My wife has developed one new XXXX on her brains. She has been sick for the last couple of years and only collect social security. This has caused an incredible amount of stress on us. I am just looking for some resolve on this issue. I do n't feel Chase has done their due diligence in reviewing my file properly. I spoke with them today. They asked for the same information over again. They requested a XXXX back in XXXX which was provided to get a YTD on my income since it varies. My XXXX submitted the information more than a month ago. They are now asking for a LOE for the payment frequency on my job. This could have been requested a long time ago. Now other documents have expired that were sent in previously. Please help my family. Thank you kindly for your assistance.
Client was going through loss mitigation. XXXX sold the loan to SP Servicing in XX/XX/XXXX. We got approval to do a short sale. We priced the home exactly where the bank told us too. Within a short amount of time we received an offer - XX/XX/XXXX. It is now XX/XX/XXXX still no response. I called. approximately 3 weeks after offer submission. Was told documents were missing. Obtained documents, sent them in. Nothing. Called approximately two weeks after that. Was told documents were missing. I explained they were sent in the same day I last called. " Oh here they are - well we need a differenct correction/paper/etc. '' I even XXXX XXXX XXXX out for this bank. Told I couldn't do that and had to put it back on. That was wrong - it needed to be a different amount even though I asked specifically " What do you want me to put? '' Fine. Corrections done and all docs resubmitted. I have been dealing with them since XX/XX/XXXX approximately every two weeks. I talk to a different person each time. Some friendly and helpful some not - my client, the homeowner, also calls often. EVERY SINGLE TIME - always something needs changed or changed back. I called today after submitting yet another correction for the THIRD TIME that had already been done and submitted previously! I was told the short sale is now expired and we are no longer in short sale. My client is devastated. We have done EVERYTHING this bank has wanted. Every correction every extra piece of information and now this. Over six months of trying to get my elderly client underneath this home - only to get the runaround and no one that can actually help. I talked to CSR 's. I talked to supervisors. I have been nice. I have been hateful. No one seems to know whats going on or how to help. I have been in XXXX XXXX for over 15 years. I specialize in XXXX 's. I know how to read a contract. I know how to deal with banks. Never, ever have I had an experience like this. I want someone to help. I have a client needing to sell. I have a buyer that met bank requirements. Why can't we sell this property? Why is the bank doing this? My client can not afford a lawyer. I don't know what else to do.
Predatory lending Practices : AES told me to make XXXX consecutive on-time payments - made under false pretense This month XX/XX/XXXX, I am to make my final payment to AES for a private student loan. However, regarding my federal loans, AES was dishonest in its practice where a negligent AES representative lied to me about the loan term, making this unfair lending practices. 

What happened? I have worked for the government for close to XXXX years. XX/XX/XXXX, I called AES and requested to get on the " public service loan forgiveness '' program. The AES rep told me to sign some documents ( IBR ), get them back to AES- and then all I need to do is make 120 on-time payments to AES and that 's it. The woman even told me, " not to worry about providing proof of employment stating " you can do that at any time ''. So, I put all my efforts to make sure that loan was a priority in addition to my other private loan with AES. Twice I was ensured I was on the public service loan forgiveness. Lots of penny pinching. 

After XXXX consecutive on-time payments to AES, I called and asked for a 1 month forbearance, asking if this would interfere with my 10 year consecutive on-time payment requirement. I was told - I had been paying on the wrong loan repayment program, that AES DOES NOT EVEN OFFER the PSLF. I have to start over at payment ONE by transferring these loans out of AES and into the hands of another company : Fed Loan. Do you have any idea what this feels like - the absolute agony of starting over at month one, especially as I am approaching retirement? I am beyond mad. 

I filed a case with the ombudsman, but AES denied all wrong. I am asking that someone help to find a way to make this right. I need assurance that those XXXX lost months do not interfere with my life- I am very concerned about this now.
On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.
My Complaintwith Regions Bank, I 've been working with Regions Bank since XX/XX/XXXX on getting approved for a loan on a townhome property, this property is a short sale which means we had to wait for an approved contract. In XX/XX/XXXX my loan was approved by Regions Bank & sent to the closing attorney office for a closing. Regions Bank was well aware that this was a townhome, however we did n't close because the house contract expired due to Regions Bank appraisal delay. 
Why did Regions bank allow me to get a new contract on the townhouse and allowed my loan file to stay in the pipeline with Regions Bank from XX/XX/XXXX through XX/XX/XXXX until we received another contract from sellers bank on XX/XX/XXXX? This new contract was sent from the attorneys office to Regions bank 8-10 days ago at that point the loan file was being processed again. Once again Regions bank is well aware that this is a townhome. Today on XXXX XXXX XXXX., I was told my loan is approved than all of a sudden late afternoon almost the close of business I 'm told we have a problem FHA is saying its a condo. This distressing message is relayed to me by my loan specialist and not a manager who at this point should be on the phone calling me, the customer to explain how any of this can happen. How can a professional, financial institution have not known for five months and also how is it possible that I had and approved loan ready to close from Regions Bank to attorneys office in XX/XX/XXXX with no problems! 
Is there is an underlining issue? The loan is only ( {$49000.00} ). Is the issue that I am XXXX? Is it because I am a woman? or Is it because I am a minority woman? 
Please investigate the protocol on this home loan process with Regions Bank.
After 45 days and no voicemails, and no notice at all TitleMax on  XXXX   XXXX    XXXX   XXXX   in  XXXX , AZ repossessed my vehicle leaving me without means of transportation to work. I am a   XXXX   XXXX   XXXX   member who had recently started a new job and now is facing extreme hardship due to the unfair treatment of this company. This loan was for {$1100.00} and a payoff amount of {$1800.00} is now owed within 10 days. How am I to save the funds for my vehicle back without transportation to work? It is like the company was looking to do this to me. Very saddening. When I called and asked to pick up my belongings I was told there was going to be a {$35.00} fee to pick up my work security badge that was in the vehicle.
ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us.
Recently I received a notice from   XXXX   XXXX   that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. #  XXXX   ). I contacted United  Consumers and spoke to  XXXX   XXXX  who told me it was a charge of {$180.00} due to  XXXX   XXXX   XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with   XXXX   XXXX   XXXX  and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that  XXXX   XXXX   XXXX  provides natural gas to   XXXX   XXXX   XXXX , and that even though they were always charged on  one bill, upo n termination the bills were separated. I never received a bill from  XXXX   XXXX   XXXX , or I would have taken care of it at the time. I asked  XXXX   XXXX  why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that  XXXX   XXXX   XXXX  are the only ones that can do that.   I then contacted  XXXX   XXXX   XXXX   XXXX   to discuss this ( original acct #  XXXX   ). I  spoke with  XXXX  and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via  XXXX  XXXX  XXXX . I sent them an email with my concerns and request on  XXXX / XXXX /  XXXX  . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but  XXXX   XXXX   XXXX  has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office.   I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from my credit report.
I do not have a signed contract with AFNI. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with AFNI.
There is a unauthorized hard inquiry from XXXX on XXXX XXXX, 2017 on my transunion credit report. I 'd like it removed.
Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
I 'm am receiving phone calls from Intergrated Services trying to collect a debt that my son owes, I explained to the person that he was calling my cell phone number and that I was n't the person he was trying to contact, he asked if I knew the person and I told him yes but we have n't spoken in about two years and that I did n't have any contact with my son, After the third phone call I requested that they no longer contact me about a debt that I did n't owe, His reply was that since I would n't give him any contact information I just became " XXXX XXXX and that I could pay my sons debt or continue receiving the phone calls '', I requested to speak to a supervisor and was told that " if you want to speak to a supervisor then I suggest you get out your credit card and start making payments '', I told him i considered this to be harassment and to stop calling me, his response was that " We ignore the word harassment '' He then asked " if my son was a XXXX and then asked why I did n't just tell everyone that he was '',
I bought a newly constructed home. My lender stated that a " XXXX XXXX '' title insurance was sufficient for their needs and they wanted a clear title without exceptions. My seller complied with Oregon Homeowner Protection Act ( HPA ) by providing me a " XXXX '' title and maintaining a bond around mechanics ' liens. However, my title company insisted that I buy " XXXX '' insurance in order to provide lender a title without mechanics ' lien exception, which ended up costing me {$880.00} more compared to " XXXX ''. They said whether the seller maintains a bond is immaterial and I need to pay them the extra premium to remove the exception and get my lender a clear title. To me, it felt unfair because my seller has already de-risked buyer/lender against the risk of mechanics ' lien by complying with HPA. The title company bore XXXX risk while collecting {$880.00} additional premium. My seller selected the title company and I had to close on time, so I agreed to paying the extra premium but I felt strong-armed. It feels unfair at best and illegal at worst that I had to pay {$880.00} extra to my Title company to cover a non-existent risk.
I have contacted this agency 3 times to remove this late payment from my account as they stated I paid late in XX/XX/2017, but that is not true, They refuse to respond to me