WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly.
I checked my credit report and saw that there is a XXXX against me. The reference number is XXXX. I DO NOT have contract with Capital One Bank USA, NA. This account is showing as being paid in full. This has been going on for more than 7 years and they have refused to remove it from my credit which is affecting me because I can not buy a house unless this XXXX is removed/deleted from my all XXXX credit report agencies. 
Public Record Details Reference Number XXXX XXXX XX/XX/2013 Status XXXX Amount {$1500.00} Classification XXXX Type XXXX Contact Details : XXXX STATE COURT XXXX XXXX XXXX, GA XXXX XXXX
Dear : CFPB I received a letter recently from OMG, LLC. ( Orions Management Group ), stating I owe a current balance of {$7600.00}. When inquiring about the debt, I was informed it was an outstanding debt from XXXX XXXX XXXX. I have banked with XXXX XXXX XXXX for fourteen plus years, including both a mortgage loan and deposit accounts. To my knowledge, I have never received any correspondence regarding an unpaid credit card balance with this institution. Furthermore, I spoke with XXXX XXXX XXXX representatives who were also unable to provide information regarding the debt. I also reviewed my credit report and verified that this debt is not listed as outstanding. I requested documentation from OMG, LLC., to provide evidence for the debt. I was supplied statements from XXXX that show a balance due ; however, none of the documents provide information pertaining to the original purchase ( s ). These statements provided do not appear to match any known debt with XXXX XXXX XXXX. I believe that I am a victim of identity theft and that the reported charges are a result thereof. The debt collector is calling and harassing my family, threatening to take legal action, and indicating if I settle by XX/XX/XXXX, I will only owe {$3000.00}. However, if I am unwilling to settle for this amount, they will take legal action and require I pay the full amount of {$7600.00} plus legal feels. They have claimed they have recordings of me from a year ago, agreeing to pay the debt. When I requested to hear these recordings, I was advised that they may not actually have them. I believe the threat of a false recording is being used to coerce payment for a debt to which I am not obligated. The debt collection practices are abusive in that they are threatening me and my family members. Additionally, the collection practices are deemed unfair as the company can show no evidence that the debt incurred is mine. I believe the intent to coerce payment from me is deceptive as the company is claiming they have recordings with me acknowledging the debt. Out of fear, I have taken time off work to try and validate this debt. I have lost sleep as I am afraid this company will take me to court for a debt I have not incurred. During this time, I have gone on-line and verified several complaints of similar abusive behavior. I am very afraid of what this can do to me both personally and financially. I am hoping that you can assist me and other victims like me. I have listed some examples of these victims I am speaking about below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XXXX, I began having to make my full student loan payments back to Navient. I had taken out XXXX loans through Navient XXXX formerly XXXX ) for school, one of which has been paid off. My monthly payment to Navient is {$460.00}. At the beginning of my repayments I asked Navient employees what my options were for lowering my monthly payment, as I did not have a full time job at the time ( and not until the end of XXXX ) and could not afford to make my payments. I was told I could not defer any of my loans as I was no longer a student, and my only option was forbearance - which meant paying $ 50/loan upfront ( {$150.00} in my case ), allowing you to have a monthly payment of {$0.00} for the next three months. So, my only option to " lower my monthly payment '' was to pay {$150.00} ; I needed the money to live and pay other bills. Navient also informed me you could only do this " forbearance '' for one year. So now to " lower my monthly payment '' for only one year, would still cost me {$600.00}. And once the year is up, the payment goes back up and I am back to square one. I am more than willing to pay back the loans but can not afford what I am paying currently. Navient has the worst customer service of ANY business I have ever dealt with in my life. They are unwilling to help and refuse to do so. I have constantly made calls over the past XXXX years telling them I can not afford these payments and that they are outrageous. I pay less money for rent ; that is appalling. I deter anyone I can from applying for loans with Navient. They have the worst service, hassle borrowers with phone calls when payments are late ( more than one call a day ), and do not give any options of fair repayment plans.
Date : XXXX XXXX, XXXX We request that our servicer, Ocwen Loan Servicing provide a detailed response in writing regarding the questions below. The XXXX and XXXX entered into an agreement dated XXXX XXXX XXXX, which were a Deed of Trust and a Note in the presence of XXXX. Per the Deed of Trust dated XXXX XXXX XXXX, this document was signed and notarized on XXXX XXXX XXXX. The notary was XXXX XXXX XXXX ; notary # XXXX expired on XXXX XXXX XXXX. Both these documents appear that the notary stamped the Note and Deed of Trust at the top right corner which states " we here by certify this is a copy '', it also has initials of the person that stamped the documents. 
First, did the notary from XXXX stamp these documents at the time the XXXX signed these documents? 
Second, if not, please provide the person name that did stamp these documents at the top right corner and initialed them! 
Third, please provide the date when these documents, Note and Deed of trust were stamped at the top right corner of each document which states, " We here by certify this is a copy ''! 
Forth, if not known, please contact XXXX and ask the questions that we are seeking. If this occurs, please ask for this response in writing and please provide us their response ( in writing )!
I have been disputing this inaccurate account information with the credit bureaus for over 4 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. They are now in violation of 15 USC 1681 FCRA s-2 and the FDCPA.
I have done business with american express, and the reason doing business with them was they service that they offer specially when it comes to charge that was unauthorized or a service that you were not satisfied they go a notch above and take care of the problem for you. obviously this was all nothing but lies to consumers and i am a perfect example to bring this to their attention that the same thing does not happen to anybody else. I signed with a company that they advertise money back guaranteed if you are not happy with their service ( XXXX tax relief ). I signed with ( XXXX tax relief ) and had it charged to my american express credit card and after two months i contacted ( XXXX tax relief ) and cancelled my services because they give me not even one true answer also contacted american express and told them about what just happened to me. the person on the phone was very nice and told me they are going to take care of this matter for me and i do not have to pay any of the charges to ( XXXX tax relief ) and i get my account credited. and i told my husband and all of my friends how great of service i got doing business with american express. two weeks after i looked at my statement and noticed that all the charges are back on my credit card also they let ( XXXX tax relief ) to charge few more payments to my account. afterwards i talked to a supervisor at american express and they were so rude and closed my account and told me i am obligated to pay their balance. until earlier today when i told a friend of mine and he told me i should make a complaint on this site and that is what i am doing now.
I recently contacted the company through which I received my student loans hoping to get caught up, as well as to set up an auto pay plan for future payments. I ended up speaking to a man named XXXX XXXX, who informed me that he could definitely help me get caught up. Prior to calling, I was several months behind and was under the impression I needed to make a payment of over {$700.00} to be caught up, but I informed him that I just did n't have that amount to pay up front. XXXX told me that if I set up an auto pay for {$250.00} a month for 3 months, then my monthly payments would be {$160.00} after that, and would gradually increase since I qualified for the pay as you earn plan. Satisfied with this to some degree, I hung up and immediately received an email from a XXXX with an email address that said XXXXXXXXXXXX telling me I needed to contact her immediately and listed forms that needed to be sent. I called XXXX back and asked if I could just tell XXXX that I 'd already taken care of everything because I thought I had on the phone with him. He told me it was very important that I talk to her and she 'd help me from that point on. I called her at the number provided and told her I did n't understand what was going on and that I 'd already set up payment and she told me that I needed to cancel that one and set one up with her. After I explained whom I 'd already set up the next 3 months with, she said that would be fine. At this point I specifically asked what company she was with and what company specifically XXXX had been with, and I could not get a straight answer. She finally told me she represented Navient and was with the department that set up repayment of loans so that I would n't keep being contacted by Navient. It was n't until the following week, when I received another payment reminder with amounts and dates that did n't match from Navient, that I called and reached someone from the actual Navient company who was able to explain that the previously mentioned people were from a 3rd party company called XXXX XXXX.  They were extremely deceptive and turns out those first 3 payments of {$250.00} were fees paid to them to do exactly what I could 've done for free. Never once did they state they were from XXXX XXXX, that it was different from Navient, or that they were charging fees and they were fully aware I was unclear about it all. They intentionally worded things carefully to make me feel as though I was dealing with the people who actually provided my loans. Luckily, I caught it 2 days before my auto pay date and was able to cancel services.
XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agency,  Especially  Equifax and  XXXX ,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All  XXXX  credit bureaus are not allowing me to dispute this account online now. Please help me.
Since XX/XX/XXXX XXXX has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! Experian has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have filed a FCRA Federal Case against XXXX and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX XXXX left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX XXXX has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT XXXX  TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.
I have disputed the collection accounts with Experian for several attempts, to no avail XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
On XX/XX/XXXX I received a phone call from " XXXX '' from Trans Union. I asked her about a dispute that I placed in XXXX. It had been a while and I had n't heard anything from the dispute so I was trying to get an update. She would n't give me any information and she began asking me intrusive personal questions about my family, making criminal accusations that the negative items on my report might have been done by my family members. She stated that someone disputed items on my credit report in XX/XX/XXXX and they might 've been the same ones to have stolen my identity, but she would not give me information about the inquiries on my file as of today XX/XX/XXXX. Instead of being assisted I feel extremely violated and taken advantage of by this phone call. It was extremely disturbing.
I am apply for a refinance, from XXXX but nationstar is not giving them the right infromations nationstar shows that I have two modifications and I only had one modification XX/XX/XXXX to XX/XX/XXXX this is the second time nationstar has cause problems when I have apply for a refinance
In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered.
I defaulted on a XXXX XXXX loan. I started receiving correspondence from US Department of Education with debt total of lil over XXXX. I started making payments of 2 to 3 hundred a month while working over XXXX XXXX XXXX. I take the winters off and haven't made payment since XX/XX/2017. I just received a letter from XXXX XXXX , XXXX stating amount due XXXX. I do believe my balance with The US Department of Education should be around 3,500.00. So who is in charge of my debt? I'd like to finish paying this off when back on XXXX XXXX this year but don't quite understand where I stand and who to pay. Please help me understand. Thanks
TRANSUNION AND XXXX WILL NOT GIVE ME MY REPORT NEED THEM ASAP CAN NOT WAIT 15 DAYS
On XX/XX/XXXX my debit card was charged {$1000.00} for a second time. I had previously made purchases on XX/XX/XXXX-XX/XX/XXXX that were already charged to my card. Coinbase sent me an email on XX/XX/XXXX stating that they made duplicate transactions on all XXXX card members and refunds would be issued as soon as possible. 4 months later I haven't seen a dollar yet after communicating back and forth with them through numerous emails.
Bank of America withholding substantial funds that are not owed to them and belong to me. 
Sent letter in XX/XX/2019 that they returned the funds but I do not have them.
I was sending Ethereum via my wallet on Coinbase, XXXX XX/XX/2018. After a few failed attempts on verifying my ID to accelerate my transaction as it was time sensitive, my account was locked without prior notice. A ticket has been sent but to no avail. I have tried reaching out on social media platforms including their emails to also no avail.
I am trying to settle a debt with the Army & Air Force Exchange Service directly and not with the collection agency due to the poor service.

Account # XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And Equifax has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by 30 points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with Equifax and XXXX enough is a enough.
I have inaccurate addresses appearing on my Experian and XXXX XXXX credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.
Hello, I finalized my home modification with Chase Bank in XX/XX/XXXX. It was a long and painful process fraught with lost paperwork, trial period after trial period, etc. My story in that regard is probably like literall millions of others. However what makes mine different is that unknown to me, until just a week ago, my house had been foreclosed upon in XX/XX/XXXX. Meanwhile, it is now XX/XX/XXXX and not only has my family been living in our house, but we have been paying the mortgage since XX/XX/XXXX. We get a statement from Chase every month, and we mail in payment. Since XX/XX/XXXX, we have paid around {$110000.00}. However, deeds and records show that while we were in our " trial '' period, they foreclosed anyways. We are nowhere on the deed filed with our county. I believe that we have been defrauded from our home while Chase Bank keeps cashing our checks like nothing is wrong. I have consulted an attorney but ca n't afford to pay him. He said he believes we have a very good case to sue for fraud. Thank you
I received  an American Express  giftcard as a wedding gift about a year ago. I went to use the card today, and the balance was  XXXX . I checked the transaction log online, and it was used in California during several transactions, and now the balance is  XXXX . The card was never out of my possession, and I was not in California at that time.  <P/> I calle d American Express a nd they told me there was nothing they could do about it. I would have to contact each merchant individually and hope they reversed the transactio n. American Express ref used to help me. I will never buy a giftcard from them again.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX
I have kept close documentation. No responses to the letters I sent as well as not marked disputed within the legal 30 days. Also when I requested validation receipt of how the account was verified mine no information was sent back in response. No orginal signature binding me to any contractual obligations to this account as no verification information waa received within the legal allowe d 15days or r eceipt. Information was not listed correctly per the me tro 2 compl iance laws. As I do have all documentation, as well as all the signatures from the company when the certified mail I sent out waa received. This is my final attempt to have this account removed from my credit reports and cleared up or I will file a lawsuit with a court nearest to me for up to {$1000.00} per violation including court and attorney cost. A police report and report with the  XXXX  was filed    XXXX   XXXX   2017.