WillisBack/dataset-financial-user-claim huggingface dataset:
I received an offer from American Express ( Amex Offers ) in XX/XX/XXXX which I was able to attach it to the 3 cards ( Primary card and 2 Authorized User cards ). Each offer term stated that you are entitled  to 10 % statement credit at XXXX till XX/XX/XXXX upto a maximum of {$100.00} total. These offers were attached individually to each card which is available under a separate login to each user. The purchases were made on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX. All 3 accounts also got the {$100.00} statement credits as promised on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as per the terms and conditions. However in XX/XX/XXXX two of the {$100.00} statement credits were reversed. 

I have called in 3 times since the time I noticed the reversal and each time was given an excuse that credits can only be awarded to the primary card member and not to the other authorized users even though the offers were individually attached to each card by their respective users. 

I can provide proof on hundreds of instances in the past where the credit has been awarded to all users individually and their terms and conditions were identical to the XXXX offer.
I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Experian on XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Experian several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Experian. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Experian has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Experian is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.
The XXXX mortgage is with XXXX, and they approved the short sale with a payout of $ XXXX to the XXXX mortgage, with SLS. Investor is XXXX and the guidelines are VERY clear about the max payout. SLS is demanding $ XXXX saying that XXXX is the investor who is demanding a $ XXXX payout. I have confirmed with XXXX that they are NOT the investor for the XXXX, and that they will only allow $ XXXX. SLS is acting in BAD faith by lying, and my approval from the XXXX expires XX/XX/XXXX. I need to get the XXXX approved ASAP as this is a financed offer that needs a full XXXX days to close!
I attended XXXX XXXX XXXX XXXX and i paid monthly payments for the XXXX.I withdraw from the school and was still being charge monthly, even though I quit.
I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.
Unauthorized charges were made to my Macy 's American Express credit card during XXXX of 2015. I disputed these charges via phone on XXXX XXXX, 2015. I fully completed Macy 's required documentation of this dispute and returned their documentation ( notarized ) on XXXX XXXX. I received a letter acknowledging the receipt of this documentation on XXXX XXXX. Since then, I have received numerous collection agency calls.
I tool out a private loan with ASFG when starting XXXX college. They closed their doors before I finished school. I do n't believe I should have to repay when I have n't finished my education. I am getting harassing calls. It needs to be stopped. Of other students are getting their loans wiped, I believe money should be tok.
I received notification from my credit monitoring XX/XX/XXXX that my credit score decreased by 26 points due to reporting an over 30 from Wells Fargo. I have never been 30 days late. I just spoke with a representative XX/XX/XXXX and authorized a payment. I was not advised that I was or had been 30 days late. I was advised that my payment was 12 days late. Prior to that I had made a payment over the phone and was not advised that I was 30 days late. The website is not user friendly and every month when I log in to make a payment I am locked out and I have to go through the process of forgot password and still unable to get in to make a payment. Then I am forced to call in and rely on a representative to process payment. I want the 30 day mark removed from my credit immediately. This is inaccurate credit reporting and a violation of FCRA. A data furnisher has a duty to provide accurate information. I
I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.
I was sued for a debt by A collector claiming to be the current creditor, we went to court, and the court concluded that I do not owe the debt. The court gave me paperwork to send to the XXXX credit reporting companies, XXXX deleted the account, XXXX and XXXX noted that I made A dispute, but LVNV funding claim that I still owe the amount, even with the court order. I have been denied loans and my credit score is affected by this, and this company LVNV funding will not give up. Please look in to this matter and see what can be done, Thank You
ATTN : Legal Department, Report Number XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1.XXXX XXXX never done business with this company please delete. 
2.XXXX XXXX never done business with this company please delete. 
3. XXXX XXXX This account was paid with Original Creditor error please delete. 
4. XXXX XXXX this account has never been verified error please delete.
Transunion is incorrectly and illegally reporting my XXXX Bank installment account as a bankruptcy. I have never filed bankruptcy and XXXX and XXXX arent reporting a bankruptcy they are reporting it correctly. SEE ATTACHED CREDIT REPORT PAGE
Chase Bank USA, N.A., cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local Chase Bank ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the date was XXXX/XXXX/2015 my ss # is XXXX
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Cell Loan number XXXX Dear sir or Mam : I am putting a complaint against my mortgage company who is FREEDOMMORTGAGE, who hold my mortgage payments. I was without a job for almost 2 years and I had few projects in-between and not enough money to pay my mortgage. My family and friends have help me save my house so far. 
I just got a job with XXXX as an XXXX XXXX XXXX. My salary is XXXX a year. I have provided the Freedom Mortgage company with my offer letter and filled all forms for LOSSMIGITATIION. 

They are not willing to put my loan back to normal as I have requested with them. I owe them XXXX dollars and no way I have that in cash to pay them. I want to save my house and I can pay my mortgage now monthly bases. I would like them to accept my offer and proof of job letter and modified my loan back to monthly bases. I will attach a job letter and the forms I sent them. 
They see my house as an asset which has equity built in too the house. They are not accepting my job salary stating that it is a vendor who is paying you and we dont accept that. I dont understand this at all. When I bought my house, I was being paid by an vendor agency at that time so why did they accept my money then and not now that is my question to them. I need someone from your company to discuss this and make an agreement with them to make my mortgage normal ASAP. 









Please help me save my house in anyway you can. 

Thank you XXXX XXXX XXXX
Chase put a 7 day hold on my payment because it was over 50 % of the credit allowed to me. Yes, that sounds insane, doesn't it? It gets better. 

I have used the same bank and paid the full amount, much ahead of the payment due date since I got this card months ago. I have even paid more than once in a month, which has totaled amounts over my credit limit but, this time, Chase decided to put my payment on hold for seven days. 

These seven days would be 10 days in practice because they do not count the weekend nor the XX/XX/XXXX holiday as business days in my favor. In reality, my payment cleared right away and sat in Chase 's account deriving interest while I, a XXXX XXXX XXXX XXXX XXXX veteran sat without the benefit of having credit available. What if my car broke down and I needed to rent a vehicle? 

Right now, I'm sitting at the phone with Chase " financial representative '' on hold WITH MY BANK because they HAVE TO HEAR IT FROM THEM that the payment cleared. According to this person, they CAN NOT look into their account and see that the payment cleared days ago. 

I believe that this is deceptive of Chase. I believe that they are trying to make interest off my little money because they can't get money via charging my interest, since I always pay the full balance in the account.
I received a plastic credit card from XXXX not long my bankruptcy had been granted. I called them wanting to know how long was the card good for and how much it was for. The person I talked to took it upon himself to do all of those inquiries.I did not give him permission nor asked about buying a car, ( I just got my drivers license back in XXXX of last year ) .i lost my license almost 20 years ago, why would I attempted to buy an auto if I could n't drive it? After joining XXXX I received several notices about the inquiries and after investigating I found out that the salesman at XXXX had been making all of these inquiries. I immediately called him and asked him what the XXXX was he doing, I did n't want a car I called asking questions and he knew that. As you can tell by the dates of the inquiries they were made on the same day.If you need proof of my license situation I can send you proof. I feel that these inquiries should be removed from my reports because I did not request them nor was I trying to buy anything.
Loancare continues to take my money but not pay my mortgage. XXXX XXXX keeps calling wanting their money. I am 2 months behind on my mortgage but I have never missed a payment. Now I find out Loancare sold out to XXXX XXXX but did not release my funds?
Synchrony Bank took {$3000.00} out of my checking account which caused {$81.00} in overdraft fees. They promised I would receive credit for those fees. I had to wait  almost 4 WEEKS to get my money back. ( They did n't care and lied MANY times about the return of my money ) I got a letter from them stating that I would get the {$81.00} and so far that has not happened. I do n't know who is in charge at Synchrony but they have some major problems.
Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only SSD which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's 300 or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone
On XX/XX/2017 Hon. XXXX XXXX XXXX wrote three orders on a stipulated settlement with XXXX XXXX. The order were as follows : 1. XXXX XXXX was ordered to issue me a document to reflect a zero balance and that the debt was satisfied. 
2. XXXX XXXX was to take all necessary steps to delete the account from my credit reports. 
3. XXXX XXXX was to do no further reporting of this account to the credit reporting agencies. 

XXXX XXXX continues to violate this court order by reporting and updating the account to Equifax monthly. Equifax has the court order in their files and continues to accept and report this account against the court order. 

It was my position that I owed XXXX No Money. I had no contract with XXXX XXXX and they're constant overcharges would have cleared any balance owed. I agreed to settle because the XXXX attorney was facing contempt of court charges for failing to comply with 2 subpoenas to furnish my bills to prove my case.
I am facing a foreclosure sale date on XX/XX/XXXX because my loan servicer Penny mac has denied me access to government assistance programs that they are required to offer homeowners with FHA loans backed by HUD. I have been trying to work with them and submitted my financial information numerous times, but they continually assign new people to my case, have changed my point of contact three times in the last three months and most recently told me that my documents had been received too late to review. I made sure to mail them in 6 weeks prior to my sale date and verified that the documents were in their office 40 days prior to the sale. However, Penny mac said it was too late and they would not even look at my documents. To make matters worse, they are breaking New Jersey protocols and laws by failing to offer state mandated mediation. I work as a XXXX XXXX and make a good living and could afford a fair and reasonable payment if Penny Mac would actually allow me access to all government programs. That is the issue here. 

My ex-husband and I bought this home in XXXX. We refinanced in XXXX to take care of a bad mold problem and had to gut the house to fix the problem. In XXXX we decided to refinance into a high interest FHA loan through XXXX   XXXX XXXX so that we could get caught up on our bills. I had no problem making the monthly payments until my ex-husband and I split up in XXXX. I lost his income and it was hard to keep up. In XXXX my company was going through a tough time and told me they had to cut me back to 3 days a week. The combination of divorce and no income from husband and my reduction in hours led me to default on my FHA loan. I immediately contacted XXXX  XXXX XXXX and explained the situation. They told me that HUD had programs available for employed homeowners who had lost hours and I made reduced payments for a few months. Then I was laid off and unable to make that payment and fell further behind. 

I hired a law firm to assist me but they ended up providing no help. I did not have a modification and I was out thousands of dollars. I tried repeatedly to apply for a modification through XXXX  XXXX XXXX and after the loan was transferred to XXXX XXXX I continued to apply. I was not able to become approved for any help -- -the offers I received kept my payment the same, or increased it, there was no payment reliefthere was no partial claim offered where a portion of the arrearages would be removed from the balance and put into a silent 2nd. There was no offer of a special forbearance to make the modification more affordable. My interest rate right now is 6.5 %. I work as a XXXX XXXX and make a good living. I find it hard to believe that there are no programs through HUD that I qualify for that could offer some type of payment relief through modification and reduced interest rate or increased term, partial claim or special forbearance. The obvious truth is that Penny Mac has obstructed access to these programs and is denying me my chance and right to be considered for government programs designed to help people in my situation.
In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.
I applied for a short sale in XXXX XXXX and here we are in XXXX XXXX still waiting for bank approval and a closing date. I have been put under tremendous stress the past 2+ yrs. Bank of America has done nothing right by me. Their customer service is downright despicable and deplorable. One of the owners is a veteran ; to treat a member of our military this way is even more disgusting. We are getting a divorce and want to move on with our lives. BOA is doing nothing to move that process along for us. My file has been bounced from person to person and no one knows what they are doing! I spoke to a XXXX XXXX XXXX last week and was told that my attorney noted in XXXX on XXXX/XXXX/XXXX at XXXX that the buyer was getting a mortgage and pre-qual. This deal from day one was a cash deal and BOA was never told otherwise. My attorney provided me with a copy of an email she sent to the representative XXXX XXXX at that exact time and it did not state the buyer was getting a mortgage! It said the buyers proof of funds were sent to them and that it was a cash deal. How is it that BOA shows something different? I 'm going to say that they altered the XXXX notes to make it look like my attorney was screwing up my file. When in fact she has no admin rights to modify anything in XXXX. This is completely disturbing and unethical! BOA has been dragging this file on for years. I understand the VA needed a year to go through the modification process but we are well beyond that and a short sale should not take this long. I have asked for a copy of the Equator notes and BOA is refusing to release them to me. I have a right to see my file. My file was closed on several occasions as BOA said I failed to provide documents that they asked for. I have complied with every ridiculous request and have sent items multiple times! My attorney follows up daily and also sends documents over and over again. I can not express how horrible this company is! This is the very reason we have so many foreclosure in the US. BOA needs to be held responsible for their illegal and unethical practices! I want a full investigation into falsifying notes in XXXX. I can guarantee XXXX XXXX has the original and true copy of the email from XXXX in her deleted items to prove that either she or XXXX XXXX altered the email to their advantage and prolong my case.