WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a new American Express Gold Skymiles credit card on XX/XX/XXXX. There was a promotion going on at that time ( XX/XX/XXXX/XX/XX/XXXX ) that stated if I spent over {$1000.00} in a 3 month period, I would receive XXXX points. I completed these requirements. However, I noticed I was n't getting the bonus points showing up in my statements after completing American Express requirements. I contacted Customer Service a couple of times but was n't able to get this credited. I also sent a letter to their Customer Care and Billing Inquires on XX/XX/XXXX outlining my concerns. I recd. a response dated XX/XX/XXXX denying my request to credit my account with XXXX points Dispute Reference # XXXX. ( Note -- I did have this same card several years ago -- Opened on XX/XX/XXXX and ended up closing on XX/XX/XXXX ). The reason basically given for not awarding me the XXXX points was I had this card previously and was not eligible for the bonus points. American Express indicated that per the Terms and Conditions of the Gold Delta SkyMiles application process, I am not eligible to receive this offer again. I have gone back through this application process at the time I applied ( XX/XX/XXXX ) and there was no Upfront notice that I would not be eligible. I have seen later promotional  advertisements on internet from A.E. on this program that does mention not being eligible for this offer if you 've had it before. However, that did not occur in my case. Had the promotional offer I signed up for on XX/XX/XXXX clearly stated I would not be eligible, I would not have signed up for this card. I feel like I lived up to my part of the Contract and American Express has not. I am aware of some other individuals who signed up for this very same card about the same time as I did and some received XXXX points and they also had previously signed up for this same card and promotion a year or two previously. Something is n't right here. If American Express was more Upfront in their Disclosures, I could accept that, but that was not the case. I feel like this Promotional offer was something like a Bait and Switch Operation. I understand most people would not spend the time to complain about a rather minor issue but I do n't like any organization taking Advantage of me and therefore I request you consider this complaint and act accordingly. Thank you
I have continually asked the bureaus to remove two accounts from this collection agency that harasses myself and my family. They create fake accounts without validation and proper handling of disputes and they are all over the internet scamming people. I have disputed this account many many times and sent over my medical information with no response except more calls and voicemails. I am not responsible for any bills and any bill was never sent to me to verify, dispute or even be aware of. I ask that this company stop contacting me and they refuse and say they will ruin my life and my credit and they put collections on all of my credit reports and say they can keep it 10 years. they only want full payment, even after i send letters and paperwork back with insurance claims aleady paid. 


these accounts never had bills and never waited a fair amount of days before putting this collection against me. They said they dont care and they straight only put collection. 

this is too old and almost 10 years ago, why are they pursuing me? I dont even have that same insurance that covered back then. 

they claim I owe {$820.00} and {$200.00} accounts number # XXXX and # XXXX ( FAKE ACCNTS )
TransUnion  XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX    XXXX    XXXX . Box  XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.     XXXX   XXXX   XXXX   XXXX   XXXX   The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15 U.S. C.  1681c-2 (  b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623  ( a ) ( 6 ) Under section  605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
On XXXX XXXX, XXXX Bank of America took the liberty of withdrawing {$270.00} from my joint checking account that we use to pay monthly bills only, and transferred it into XXXX XXXX XXXX XXXX XXXX my husbands checking account due to a negative balance he had in his account. Subsequently i was charged XXXX {$35.00} overdraft fees as they moved the money that i had in the account to pays bills. The account would of never gone negative if they had not moved the funds, and the fees would not of happened. Again, I had to cure yet another negative balance due to Bank of America 's moving the initial {$270.00}. Since that time I have been charged {$35.00}. for an extended overdrawn fee, on XXXX/XXXX/XXXX i was charged XXXX {$35.00} over draft fees as i have been trying to bring my account current., I have tried to talk with he Bank, but they wont budge, they did return the initial {$270.00}, but refuse to return any of the overdraft fees they said did not have to do that. I filed a complaint with the Attorney Generals office, whom transferred my case over to the XXXX XXXX Massachusetts XXXX XXXX XXXX of Law. The Individual handing my case name is " XXXX '' my claim # XXXX I was informed by XXXX that written notification regarding my complaint had been sent to Bank of America on XXXX XXXX, yet no other contact had been made. I was advised to file a complaint with The XXXX banking commission file # XXXX. 

I feel at this time Bank of America has unfairly charged me {$210.00} in fees. 
Regards. 
XXXX XXXX XXXX
Company XXXX XXXX XXXX Claims to own my mortgage and falsely has been collecting payments from me for many years. Only recently with a Foresic Loan Audit, I Found Out My Loan has been Paid Off Many Years Ago. 
Nationstar is now Currently Filled to Forclosure on my Home which is Imiminent / Urgent, Which is Paid Off. They Do Not Posses a NOTE or Deed Of Trust. They are Committing Fraud on the Court, As well as Already Filled a Fraudulent Judgement Against Me and Scheduled a Sheriffs Sale Illegally Due To Fraud On the Court. This is an Urgent/ Immiment Matter. Please Assist.
I took oit a payday loan in 2008 for XXXX dollars that was the fee. Interest was XXXX dollars, and I keep getting calls from the collection agency threatened to sue me and want me to pay XXXX dollars.
Experian continues to report on a account that should of been deleted from my credit report months ago. The account is XXXX XXXX XXXX which was settled and I was issued a XXXX. The account should be deleted as Experian is the only credit bureau that is only reporting this account.
Syncrony Bank keeps calling my home looking for a XXXX XXXX. This is obviously not me. This has been happening since 2009. I 've told them repeatedly that I am not that person and that these calls need to stop. Most of the time I get hung up on! Some times the calls stop for a few months, but they always start up again. Calls come to my home from ( XXXX ) XXXX.
Last year I disputed entries on my credit report and they have now been reinserted as if new. I called XXXX and they have said they have no records on file. I have contacted the other entries and they readily admit the accounts are over 7 years old but claim they are active. this obviously make no sense. The credit bureaus are responsible for this fraud and should be sued in a class action. I am sick and tired of every 6 months the same entries keep reappearing even though some are over 10 years oldAlso even though i have submitted a XXXX bureau credit report to these people they play this sick game of sending me a letter claiming they cant verify my identity. THEY NEED TO BE PUNISHED. An identity thief would n't waste their time doing me a favor like that. This a sick game they like to play rather than just doing the job like the law says their supposed to.
I have a FIDELITY REWARDS SIGNATURE VISA through Fidelity XXXX XXXX. My credit card number was stolen and used to make XXXX unauthorized purchases on online at XXXX XXXX. I noticed this on XXXX/XXXX/16 when I saw the charges " pending '' on my online account at Fidelity. I reported this by telephone to my credit card company on XXXX/XXXX/16. ( My credit card is through Elan Financial Services. Elan Financial Services is affiliated with Fidelity XXXX XXXX. The " rewards '' on the Visa card are reimbursed to my Fidelity account. 

My credit card was appropriately cancelled by Elan / Fidelity and a new one was issued immediately. I was told the charges would be reversed. When I checked online a few days later, I noticed the charges were not reversed and, instead, had posted to my account. So I called to ask why. I was told that a fraud investigator was working on my case and that I would receive an affidavit in the mail to sign and confirm the charges were fraudulent. Until then, the fraudulent charges would remain on my account. 

On XXXX/XXXX/16, I received a letter ( dated XXXX/XXXX/16 ) stating that my fraud case ( # XXXX ) was closed, because " the transaction ( s ) has neither posted nor been deducted from your account. As a result of the transaction ( s ) not posting to your account, we are closing our investigation and you will not be receiving affidavits to complete and return as there is no further action to be taken. '' I looked online at Fidelity.com and found the charges still showed as posted to my credit card account. 

I called and, after multiple representatives, and asking for a manager, a manager in the billing department ( " XXXX '' ) got on the phone. He put me on hold for a while and came back saying he had talked to the fraud department. He said that a fraud investigator had not yet been assigned and that the letter I received was " computer generated, because nothing had happened on my case. '' Made no sense to me, but I told him I was assured two weeks ago someone had been assigned. He could not explain that, but did say that a fraud investigator was going to be assigned. 

Feeling suspicious now, I asked to be connected to the fraud department so I can confirm this new story. XXXX says that I wo n't get the same person, so I wo n't get the same story. Makes no sense. But I finally get a hold of the fraud department and am now I 'm told that an investigator HAS been assigned since XXXX/XXXX/16. 

The problem is that I have a letter stating that my case is closed and that the charges I denied having authorized have not been posted, but the charges ARE still posted. And I 've now been told XXXX different stories by, I 'm certain, well meaning people. But Fidelity Financial Services / Elan Financial Services have me in limbo. I file my fraud case, they " investigate '' and tell me the charges have n't posted, and my case is closed. But the charges ARE posted.
I was a previous customer of Wachovia Bank ( now Wells Fargo ), XXXX, SC in XXXX. During this time frame I had a checking account with debit card associated with my account. My account was forcefully closed due to unauthorized debit purchases that result in an - {$750.00} in my account. I went to my local Branch during this time frame ( off of XXXX XXXX XXXX ) and spoke to the branch manager ( XXXX ) about my account. During this conversation, I was never given an option to file a claim, I was not show the transactions that were posted to my account that resulted in the overdraft, and the branch manager ( XXXX ) stated that there was no remedies for stolen card. 

I have been denied a new checking account since this incident since it was posted on my credit. I have now recently opened a new account and have been educated on the neglect that Wells Fargo did with my account, their neglect to inform me about my options, and their neglect to allow fraud transactions build on my account AND charge me overdraft fees.
Equifax signed an agreement with the XXXX Attorney General 's office to voluntarily remove incorrect or fraudulent information on a person 's credit bureau for anyone living in the u.s.a. My attorney has written Equifax XXXX about having incorrect or invalid information on my credit report. At one point I had Equifax credit file monitoring service where I discovered their use of incorrect or invalid information on my credit report. I also discovered they had branded me as a complete and total credit risk for debts that had been paid or were discharged pursuant to federal law. My attorney asked politely for Equifax to remove all the hard credit inquiries for a total of XXXX from my credit report because I had not applied for credit that many times. however in our investigation of my Equifax credit file and m y credit files at XXXX and XXXX we discovered that a third party may have hired Equifax to make hard inquiries from their company Equifax mortgage into my credit file as my credit files at the other mentioned above credit reporting agencies. 
When I asked Equifax to explain this as well as their refusal to take off negative information which was not true, I was stonewalled by Equifax in writing XXXX. These stonewall letters were in response to my attorney 's letters to Equifax. 
these hard inquiries into my Equifax credit file and other credit files show up even on their own monitoring system as hard inquiries that I am making applications for credit. I am not. 
Also, Equifax is reporting mortgage loans that I never applied for or approved or settled on from a major bank and XXXX trust servicer XXXX. These mortgage loans do not have the account number that appears on any mortgage statement and these loans were created unilaterally by the large bank. All of which I have filed multiple complaints with the banks attorney and other federal agencies. 
If Equifax is going to monitor me on behalf of some third party I want to know who that third party is and why are the monitoring me and if an inquiry is done then it shows up as soft inquiries that do not affect my credit score or FICO score. As a XXXX veteran I have been working very hard to improve my credit score and Equifax has me rated the lowest of any credit bureau score. In other words the other bureaus all have me rated much higher. 
I have as a XXXX veteran been repeatedly defrauded of my VA XXXX pension us federal treasury pension benefits for which then I am penalized again by having false information placed on my credit bureau reports. 
I perceive this Equifax practice of initiating hard inquiries into my credit file b y Equifax mortgage as it is listed in the report and doing this to the other credit bureaus according to LIFE LOCK identify theft service violates my legal rights under federal consumer protections laws and uscfpb regulations and XXXX state consumer protection laws and the u.s. federal fair debt collection practices act. it has the appearance I am applying for credit which I am not and then reporting it as hard credit inquiries to external agencies.
Citibank says that I was charged too late fees one of {$35.00}, one of {$27.00}. My regular payment amount is {$68.00}. XX/XX/XXXX total {$150.00} XX/XX/XXXX XXXX. Difference each month of {$88.00}. {$120.00}. 
The representatives at the bank over the phone did not tell me accurately about my account so I could not access the response to give properly when talking to them. Including the manager this also differs from what the XXXX XXXX wrote in the letter reply. XXXX XXXX claims they can not refund only the {$27.00} because there is no record, however it is not a customers fault there is no record. Also there was no explination as to the extra charges because {$27.00} and {$35.00} total {$62.00}. I was charged way ore than that. 
As well, in one month I believe XX/XX/XXXX. I had asked the rep when making the phone how much I needed to pay to pay the balance she told me the wrong amount when I paid the {$10.00} payment. Then made the payment, if the person told me about the other {$5.00} I would have paid that but they did not. The person also did not explain not paying the fees would cause another late fee. I was not told this by any representative when I called. When I was told that the late fee would be creditied they told me it would take a couple of days to come back onto the account so I assumed I would not have to pay the full balance on the bill for the fees. Again XXXX XXXX thinks because the bank didn't note it that I didnt ' say anything, but the bank can see that I called and they can see I spoke to the manager. They can also see I made the payments and that I didn't pay the extra charges/ fees. It is lame excuse on XXXX XXXX to say they can't find a promise to credit it, however just the {$27.00} is not making up for the total amount I paid extra for some reason why was never explained. 
From this experience, I will now make a representative make a notation on the account, I will no longer just " trust '' what the person says.
I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. 

Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. 

These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.
Navient has now stopped taking credit card payments as of XX/XX/2017. They only except payment through a bank account and debit cards. This makes it more difficult to make a payment if I need to use my credit card one month.
Fraudulent charges were made on my account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX I immediately notified the bank, Bank of America of this fraudulent activity and closed that card out. I only used my credit card for all remaining purchases until my card was reissued. 

I sent them back the signed affidavit that I was not present for these transactions, had not given my pin number to anyone, and was physically in XXXX during the time of the transactions. 

I have proof from my XXXX account that I drove to work that morning and proof from fellow co-workers that I was present until the end of the day on XX/XX/XXXX. 

Bank of America has maintained that I have 0 % liability, but they have repeatedly overturned that it was fraudulent based on their narrow criteria that it was within my spending area, that it was not attempted to be used after I reported the card stolen, and that the amounts are not large enough to be trying to clean out my account. Well that may be but it is completely untrue that I am going to be held 0 % liable since they seem bent on proving that I am not their valuable customer but in stead some kind of mastermind criminal, all for XXXX . 

I have already opened a new account at XXXX and will be moving all of my accounts over to them ASAP. Bank of America don't care about their customers and they are the crooks here.
Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was already paid for this account, leaving a XXXX balance owed.
This company is fradulant trying to collect a debt that isn't owe to them.This same debt is with two different collection services.
I have a 7 year arm libor type home loan through suntrust mortgage, which defaulted to the market rate based upon the libor rate 4-5 years ago. It has seem to correlate until this year where my interest rate jumped 25 % and doesn't seem to correlate with the libor rates/change. I get no clarity in the matter when talking with my banking institution.
Discovered fraudulent activity on our Navy Federal Credit Union sponsored XXXX on XXXX and XXXX XXXX 2015 for {$30.00} and {$5.00}. 
Reported the same to Navy Federal Credit Union who advised additional fraudulent charges of $ XXXX not present on our online account access. 
Although Navy Federal Credit Union cancelled the card immediately, they could not provide why additional fraudulent charges were not visible via our online account access. 
We are unsure of the amount of loss if any however believe Navy Federal Credit Union needs to provide all transactions on credit cards they sponsor in accordance with federal law.
My mortgage company had changed from XXXX to M & T Bank in XXXX 2015. The new mortgage company has been a living nightmare every since. I open up my XXXX statement and they are stating that my mortgage was going to go up by an additional {$300.00} a month. I freaked out and got on the phone with them and they gave me their text book reason that my tax information has went up. I advise them they were charging me to separate taxes when our taxes here in XXXX GA is combined for a total taxes and fees. I tried to explain this to someone and they still want me to pay {$1700.00} and an extra {$150.00} on my mortgage. I would like for you to force the bank to redo their analysis because they are adamant their not have the right information. I even requested that they call the tax office here in XXXX, GA to verify their taxes are combined in accordance to my recent tax statement.