WillisBack/dataset-financial-user-claim huggingface dataset:
I was very happy to apply American Express XXXX XXXX card because I have been a XXXX Diamond member for years and I think I can fully utilize the benefit. I applied this card on the end of XXXX and tried to get the welcome bonus at the very beginning. However, I did have two product return because I was not satisfied with the product I purchased and it was also applied with the merchant 's terms and conditions without using any Amex benefit. 

Nevertheless, I got an email on XX/XX/XXXX that was one month by the deadline of getting my welcome bonus. The email shown that I violated or abused this reward program and I may forfeit some or all points. I made a call to inquire Amex customer agent and she said that she just can't see my bonus code which means that someone from reward program department removed it. 

I think that is quite unfair. I can accept that Amex forfeited some or all my points if I failed to meet the standard of spending {$4000.00} by XXXX. However, a loyal cardholder with nine-year membership who returned his products twice should not be treated that way. If the Amex terms and conditions show that product return is or may not be allowed during the welcome bonus period, that would be okay but they are not.
Received harrassing phone call at my job from Representative named XXXX XXXX threatening to deduct mortgage payment from my bank account without my authorization. My work number was never provided to this agency.
On Saturday,  XXXX   XXXX  we notified Bank of America that they incorrectly deducted  XXXX  payments for our credit card payment from our bank account, both of which are Bank of America accounts. We did an online bill payment from our Bank of America checking account in the amount of {$5300.00} to pay off our Bank of America credit card balance and then the same day they deducted an additional {$5300.00}. When we called on  XXXX   XXXX  to notify them of the double withdrawal, we spoke to a live agent and were told it would tak e 3-5 busi ness to return our money. We disputed this since all of the money was in Bank of America accounts but they explained that they had no control over getting a refund processed by their own credit card to their own bank accounts. Today is Sunday,  XXXX   XXXX  and it 's 8 days later ( the  XXXX  wa s the 5th business day ) and  they still have not refunded our money. Every day that we call for a status, we 're told the refund will be the next day, but it 's never happened. The extra {$5300.00} they took was pretty much all we had left in the account. We 've gone 8 days without this large sum of money. And we have n't been able to get any cash because the balance is so low and our bills are set up on auto payment so many of them are still trying to clear the account, deplenishing what balance we do have left. For them to keep our {$5300.00} for 8 days is ridiculous when the money is in their own accounts. They could have cut us a check within these last 8 days but instead we 've been told we have to wait for the credit card to issue a refund to us. We 've had to borrow money to get by while they hold our money. How much interest are they making from us and who knows how many other customers they are doing this to?
On XX/XX/XXXX, I went to a retail store to do some XXXX shopping. I had a series of fraud alerts triggered by trying to make purchases with my Chase credit card. I called chase to verify the attempted charges I was told the fraud alert had been removed and that I was free to attempt the charge again. This happened 3 separate times in the same night ... the fraud alert was removed and each time I would go back in the store to make my purchase yet the charge was declined again, I 'd call Chase again, jump through a bunch of hoops answering a bunch of questions correctly, and then reassured everything was fine and to go try the purchase again. Finally after the third time going back in the store for a decline, I called and was told that the latest fraud alert could not be removed and that my accounts were under review by Chase. 

On XX/XX/XXXX I received notification that all 5 of my Chase credit cards had been cancelled. Some of these cards I have had for over 15 years. I 've never missed a payment and have paid my balances in full every month on each and every card I 've ever had with Chase. 

I do not believe Chase is operating within the spirit of the credit card agreement by issuing overly sensitive fraud alerts, and then even after the purchaser 's identity is satisfactorily established by Chase, and with reassurance given to that card holder that he is free to make the transaction, to continue declining purchases over and over again to the embarrassment of the card holder. Then to add insult to injury punishing the consumer by closing 5 credit card accounts which have never had a problem is very dishonest.
We have received numerous calls from hp sears ( caller id ) and have not picked up the phone. No messages were left. When I did answer this morning, XX/XX/2018, the person on the line demanded that I 'verify ' my name, phone number, address and date of birth. I told him my name and phone number, since he had that, and refused the other information. I told him we have no debts and were under no obligation to provide personal information to a stranger. He would not provide me the address for hd sears ( which appears to be a collection agency in XXXX, CA ). I finally asked for his home number address and birth information, and he hung up. When I called XXXX XXXX XXXX, the woman on the line demanded the same ( verification ) on the phone. When I told her I was under no obligation to provide information to her and that I had often warned consumers against this as an employee of the XXXX XXXX XXXX XXXX XXXX, she threatened to 'send me a letter '. After I replied something to the effect of 'So, send it. ' she hung up. From comments I have read on various websites, hp sears is an abusive debt collector. Please do all you can to end hp sears ' abusive fishing expeditions. XXXX XXXX, XXXX, ca
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Myself along with thousands of other people have not received our direct deposits and even if there are funds on your card we do n't have access to it because the cards are not working. The phone lines to the company are now down and when they were up and working I got hung up on after waiting for hours. I am about to lose so much because of this i dont know what I 'm going to do but Rush Card needs to be reported!
I mailed a payment to Citi on XX/XX/XXXX for {$10000.00}. 

I have had 4 separate calls with Citi since they received my payment and cashed the check on XX/XX/XXXX, but the payment still hasn't applied to my account. 

It has been over 30 days since they received this payment. Every time I call I get the same answer, which is that the payment will post in a few business days.
Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a  violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.
For several months now, Bank of America which holds my mortgage has been promising to get me a loan modification. For several months I have provided all the numerous documents they have asked for. Still week after week, I have received more packages from them which is now a big pile of paper. Until I decided to hire a lawyer to help me out. Even with the law firm being involved they have been dragging their feet and even though the last person for my file who was the XXXX person to be in touch with me told me weeks ago that they will have an answer for me in a few days, told me today that they needed two more documents. It is my belief that BOA was never interested to help me out or get me a loan modification. I have paid more than XXXX XXXX dollars to them and still owe XXXX XXXX!! without owning a single brick of my only asset in life. Now I got a letter from a different loan company that BOA has actually sold my loan to them. So I have to start all over again. This is the most unprofessional and unethical company I have dealt with. Not only they were not honest in their dealings, they basically lied to me. Please advise me what to do. I am behind my payments but I do n't want to lose my house. It is the only asset I have. I also have a son with XXXX. I have to spend all my time and energy and money on him. BOA is not an honest broker. 

XXXX XXXX
CSC Logic Inc,   XXXX   XXXX   XXXX   XXXX  TX  XXXX  received a lump sum payment of to the account for a   XXXX    XXXX   XXXX   XXXX , The company states I was sent to collections because I did not pay for 27 days. As a customer,  CSC lo gic failed to disclosed that I was late on payment. As a customer I thought the lump sum payment would cover my payment for the month of  XXXX . The lump sum was paid on  XXXX   XXXX  and the last day to pay for the month was  XXXX   XXXX . I called on  XXXX   XXXX  and the company advises me that I am 37 days late for payment, when I did not receive any collections calls for payment of this bill. Or any follow up mail stating that my account was going to be sent to collections. It is outraging that a company can hurt your credit sending you to collections because you are late on a payment, when in fact they did receive payment, in fact, the loan was almost paid in full.
I have disputed directly with bureau ... transunion still is reporting. XXXX XXXX has disputed account, as well. XXXX XXXX medical collection of {$200.00} is not correct. I have verified with XXXX. XXXX 's XXXX that I do not have a balance and have never owed the office any amount that has turned into a medical collection.
I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX in XXXX XXXX, FL XXXX. My social # XXXX. XXXX/Honda financial is showing a lease on my personal credit report, one that is NOT in my name as borrower or co-borrower. I am however listed as a GUARANTOR on ( 2 ) XXXX leases. A XXXX XXXX and a XXXX XXXX. However, I am not a borrower or co-borrower. The ( 2 ) leases mentioned above are ONLY in the name of a business, which is " XXXX XXXX XXXX XXXX, XXXX " XXXX XXXX, myself and the dealer, XXXX XXXX, all have copies of the contracts that proves both of the above. Neither of these leases should be showing up at all on my personal credit reports unless the business were to default on the leases With XXXX/Honda Financial. I need swift help taking care of this with XXXX, as this mistake is causing severe damage to my credit report and debt to income ratio. 
Thank you XXXX XXXX XXXX
All the information in attached file, shown " Unknown ''. 
Creditor : Unknown Type : Collection Balance {$290.00} Payments : N/A, none or Not available If that collection is mine, I need to information to pay it.
I submitted my FTC Identity Theft Affidavit to Equifax to block a medical debt that is appearing on my credit file. It was determined that the medical debt in question being held by collection company XXXX XXXX  and the original creditor being XXXX XXXX XXXX. The account number is XXXX, note that Equifax only shows the first digit on this account and the remaining four digits are blocked out. My FTC Affidavit also included an inquiry by XXXX XXXX that was also listed on the Affidavit and Equifax refused to block that as well. I received and email notification from Equifax stating my dispute was ready to view and upon doing so Equifax states that they would not be blocking this account from my credit file and I other reason was given. When I submitted my Identity Theft Report I also included copies of my drivers license, social security card, Identity Theft Report and 605b print off. XXXX and XXXX have blocked this account but Equifax refuses to do so. Even though Equifax received my Identity Theft Report they still added a fraud alert to my credit file.
I filed bankruptcy and it was discharged on XX/XX/2017. I signed up on XXXX XXXX and while looking around this ad from capital one pops up stating apply to help improve credit score with a {$300.00} credit limit. I 'm thinking ok ... I can use this and applied. Received card and tried to activate. A prompt came up tht there had been fraudulent activity and I had to speak to a customer rep. I 'm thinking how is tht possible since I had just applied and received card. Well this lady came on phone and stated she had to verify my information. I said I 'm confused because the card had not been activated so how is fraud possible. She said there is no fraud we just need u to verify some info so I will put u on hold so I can look up some public record info ... at b this time I 'm really confused so she comes back on and states I need to send additional info like drivers license ss card and utility bill. I asked was this because I filed bankruptcy and she stated yes so I told her u can keep the card and close the account. My issue is I feel somewhat discriminated against. If u are putting your ad on XXXX XXXX to help reestablish your credit what do u expect. Needless to say they wo n't receive my business.
I closed on my home on XX/XX/XXXX with Freedom Mortgage Company and flood insurance was approved at {$140000.00}. The policy cost was {$1500.00} and this amount was disclosed on our Closing Disclosure form. The issue occurred when I received a form letter in the middle of XX/XX/XXXX asking for a copy of my flood insurance policy. It was a form letter, which felt like a scam because the website was not related to Freedom Mortgage. The website asked for personal information and it made me feel uncomfortable providing the information. I called Freedom Mortgage 's customer service to confirm this letter was genuine and asked why they needed a copy of my flood insurance policy. I was told the flood insurance coverage on my home was insufficient and needed to increase the coverage amount to {$250000.00}. This was contrary to the information I received prior to my closing only 5 months ago. I asked for the exact information for the flood insurance increase to be provided in writing, however Freedom Mortgage stated they were unable to give any letter in writing and the form letter was all they could provide. In essence Freedom Mortgage was forcing me to pay more money for my flood insurance, however I was not provided any personalized guidelines. The customer service was not very helpful and I have increased my coverage and can only hope it is sufficient. If I do not increase the coverage by mid XX/XX/XXXX they will purchase and flood insurance policy on my behalf. Freedom Mortgage was unable to give me an exact date when they need the increased policy completed by. Given the lack of information provided to me, I requested a manager. I was unable to be connected directly to a manager and put in a request for a manager to call me back within 24-48 hours. After my first call that occurred on or about XX/XX/XXXX I received no call back. I called again on the morning of XX/XX/XXXX and again I have not received a call back. In the meantime, I have increased my flood insurance policy and am awaiting the updated binder from my insurance company. However, given the lack of communication and guidance from Freedom Mortgage I have no idea if it is even correct. I can only hope it will be sufficient prior when I submit it to Freedom Mortgage so they will not purchase a flood insurance policy on my behalf. The updated policy cost me an additional {$310.00} this year, however it will be more when I need to update the policy for XX/XX/XXXX-XX/XX/XXXX. I feel at closing I was not properly disclosed and this feels like a bait and switch from Freedom Mortgage. The money is not incredible taxing but I wish I had this information prior to purchasing the home.
In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred.
I am illiterate when it comes to finances. I took what loans were offered to me so that I could focus on my education and not have to work so many hours to stay afloat. After I graduated and was ill-prepared to enter the work-force, I found out my school was shut down. Unable to find a job in my field I kept pushing off paying my loans back because I could n't even come close to affording them. Every time I would call, the person on the phone would immediately offer me forbearance, and simply suggested that I look up my repayment options. This went on for years. Now, I actually applied for  IBR and se lected the box on the application for Navient to chose w hich IBR plan wou ld give me my lowest payment. After about a month and never hearing from them, I finally called and they told me my payment was {$260.00}, which is a hardship for me but I assumed it was the best that could be offered. When I went online to make my first payment at long last, I saw that I had missed it! There wer e two sets  of loans, each with a monthly payment of about {$250.00}, totalling about {$500.00}. When I called they told me that I had been put on the income-sensitive plan, but that my payment could be lower on another plan. And they offered me forbearance again while I figure it out. My loan balance has almost doubled since I graduated, and I have n't even been able to make a payment yet.
I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!
Debt collector is calling 8+ times a day and is also calling and harrassing friends and family by somehow getting their private numbers. it was my understanding that I had settled with the debt collector for a predetermined amount yet they continue to call and harrass myself friends and family. if they had told me a certain amount was all they were wanting and I have paid that amount they need to stop harrassing me for more money. We had an agreement.
I have 17 closed accounts with XXXX  XXXX  that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.