WillisBack/dataset-financial-user-claim huggingface dataset:
I Called American Express to confirm that an {$85.00} charge for a XXXX Precheck fee would be covered as a perk and credited back to my account. I was told by a representative that answered their XXXX number on the back of my credit card that the charge would be credited as this was a perk of my Platinum Optima card. I made this call because it was n't clear from their website which cards were included in this perk. After receiving my bill with the {$85.00} charge and no credit I called again to ask when I could expect the credit. I was told to wait a week or so while a supervisor investigates my claim. About a week later I received a voicemail from the supervisor stating that there was no record of my original call and therefore I would not receive my credit since I was incorrectly told it was covered on my card. I immediately call and talked to XXXX XXXX ID # XXXX. He also stated that due to no record they would do nothing to credit my account. I made this purchase on this card based on the fact the I confirmed with AMEX that it would be a credited charge. I did not dream or imagine that this call happened, and while I wo n't profess to understand how their call log system works, I talked to a live AMEX rep, was put on hold while she confirmed the perk with her supervisor, and was then told that the charge would be credited and to go ahead with the charge. I have been a perfect customer for years and am livid that AMEX would not stand behind what its representative say, and that they would expect a good customer to pay for a failure on their end. While I 'm sure their systems are generally accurate, their failure to record my first communication with them, and their denial of it happening, is essentially the same as calling me a liar and holding me accountable to pay for their mistake, which I refuse to do.
I opened a XXXX XXXX XXXX account in XX/XX/XXXX. The account came with a promo code which I applied. The promo code is XXXX. The promotion that came with the promo code was for {$200.00} if I deposit {$10000.00} or more by XXXX XXXX, 2017. I met those terms. XXXX XXXX XXXX will not issue the {$200.00} that I am owed now. I want my {$200.00} as I have met the terms of the bonus and have waited a substantial amount of time.
I am getting ready to pay my last car note but they're trying to charge me like {$1200.00} extra in late fees. I've tried to negotiate with them but they have zero tolerance when I tried to negotiate.
I applied for assistance for our mortgage on XXXX XXXX, 2015 via our attorney. Our servicer is PNC. They confirmed our application for assistance was under review and we awaited the response from PNC. We received a letter of denial dated XXXX XXXX, 2015. We are in the process of appealing that finding via our attorney within the allotted 30 days allowed by law. During the timeline when we were under review for assistance, the foreclosure attorney for PNC initiated a foreclosure by recording a Notice of Default on XXXX XXXX, 2015. We are being told this is illegal and it is called dual tracking. Our attorney contacted PNC and they state that our mortgage and property is on hold and a notice of default should not have been filed. Our attorney then contacted the foreclosure attorney, XXXX XXXX and they state they have no info from PNC stating the loan/home is on hold. Both parties say to have the other call them. Neither is willing to call the other.
On XXXX/XXXX/XXXX, I contacted the company after they had made repeated ( and frequent ) phone calls to my phone. I told them that I had been out of work for more than 2 years and that I had no money to pay. The person on the phone became abusive with me and I told them to stop calling. They continued to call that day. I made 1 more call to them and told them to remove my number. I assume that they did because I did not receive more calls until today. So far today ( as of XXXX PM CST, I have received 34 calls from them! 

This debt is due to me having to break a lease in XXXX 9 months after I had lost my last job. I broke the lease during the last month because I did not have rent money. The charge is now for the rent for the last month + an additional month 's rent for the reletting fee.
At the beginning of this year the bank began charging overdraft fees retroactively. I received overdraft fees for charges that were not overdrawn. The bank has not refunded any of the fees. A savings account that I had was suddenly closed without notice. I've since notified the SEC about the fraud, involving this bank and third party entities, after numerous small charges and itemization began appearing on my account, beginning in XX/XX/2019. Chase bank has further removed the online option to dispute any charges, and requests that such disputes are placed in writing. A relative that holds a Chase account has now also been targeted in a similar way by this bank.
Lender is not honoring the amortization schedule I signed at settlement that shows PMI ending with my XXXX 2017 payment. Stating that I need to continue paying until XXXX 2017 at an additional cost of {$6900.00} ( $ XXXX/mo ).
Company is trying to collect a debt amount that is much higher than debt actually owed. Attached is the documentation. I was also never served at my current address and my paycheck started to be garnished with no warning or summons issued to me.
cap-one finance has this excellent program that takes most of the hassle out of car buying ... ..they have a program that pulls a soft pull from ur credit report ... .it only becomes a hard pull is if u accept the load and go to the car dealership ... ..the dealership has to pull ur credit to make it a hard pull ... but all the negotiating is done thru cap-one ... so the way this program is set up they pull a soft credit then they let u know if u qualify and for how much ... they approved me for XXXX ... as the process was going on for each car i was interested in i would call cap-one rep and they would ask can they pull my navigator up so they can see what intrest and if they will pay full price for that car ... i saved bout 5 cars in my navigator ... .and each time i called them i gave them the vin number to the car alone with the car lot name to make sure they were a part of the program ... as 1 called them each time i would give them all the info on the car they would plug it in the navigator and tell me what the intrest was and if they would pay full price for the car ... .i came across the car i did buy thru them and ehrn the rep checked on that car it made the most sense ... i was quoted a 10.16 with a car note of XXXX $ a month ... .every call that i made was recorded ... everytime i called it always said this conversation is being recorded ... i didnt have my glasses when i signed my contract ... .but there was nothing to be allarmed about because me and cap-one had already came up with how much i can finance and what everything ... would be ... including my gap and my tax, title, and licenses ... after signing the papers a week later i was reading over them again and i discovered that intrest rate is wrong so i called cap-one and i told them that this id not what we agreeed on verbally ... and thats what was already setup in my navigator ... .cap-one told me that it was the car lot mistake but i dis agree because all the carlot was suppose to do is pull all of my info from my navigator ... .all the number were already talked out with cap-one ... .cap-one said that i signed so aint nothing they can do and i told them that them and i had a verbal agreement that they refuse to uphold their end of the bargin ... .i have proof what they said cause all of my calls were recorded ....
Equifax has blocked my credit report for no apparent reason. I am unable to get a credit report and lenders are unable to pull my credit report. This is delaying my home purchase and causing unnecessary frustration. I have called Equifax numerous times and have been unable to get a straight answer about why this is happening and what the resolution could be. I was told to fax a copy of my social security card and ID to them, but the fax would not transmit. Please help me deal with this negligent behavior.
XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.
This debt has been removed from my credit report 2x and the debt agency has placed it back on both times. Iam asking that the debt collection ahency removes the debt for the third time and keep it removed. I have diouted wih no resolution hence why they have been required to remove it permanently.
I have reached out and placed disputes with each of the 3 credit bureaus on multiple times in regards to an incorrect bankruptcy date listed on my credit report. the date listed is XX/XX/XXXX, the correct date is XX/XX/XXXX. I was asked to send documentation showing what should be the correct date. I sent that information immediately showing the XXXX District of Wisconsin bankruptcy court, confirmation information, creditors names, amount owed, monthly payment amount, and lawyer information. XXXX  reviewed the information and immediately removed the bankruptcy from my report. I reached back out to XXXX and Experian asking why this information is still listed inaccurately on my reports, I have been continuously been told the information will remain on my report for 7 years. I explained not only is the date incorrect, we are past the 7 year period so this should not be reporting on my report at all. I have reached out to the bankruptcy court asking what information they are reporting on my report. The manager XXXX stated they are not in the practice of reporting bankruptcy information to either of the bureau 's. The information is entered into a public system and the bureaus pull info from there. I asked can my personal information be corrected and he said once a bankruptcy is discharged there is nothing the courts can do to correct the information. I also asked I the information manually entered and he said yes, there is a possibility there could have been an error entering my information. XXXX suggested that I call and speak with a manager at each bureau to have them delete the information. I called and provided the information and I was told the information comes from a third party vendor. I reached out to that vendor provided verifying information. The vendor was not able to obtain a report under my name. I reached back out to the bureaus asking how can information be verified if there vendor can not pull a report under my name. I'm continuously being told there is nothing else they can do to help me, just wait until it falls of next year. I explained this is not only keeping my score down, I am unable to obtain new credit, I can't refinance my vehicle, I can't apply for a home loan, and I keep being denied credit. Over the last several years I have worked extremely hard to repair my credit. I went from the low 400 's to XXXX. I don't have any collection or past due accounts. I have spent numerous hours, money faxing documents, and scanning to each bureau. This inaccurate bankruptcy information is to old to be reporting and the date is incorrect. I desperately need help getting this item removed. The FTC instructed me to enter a complaint with the CFPB. PLEASE HELP!
After viewing my credit report, I noticed a collection account placed on my credit report by Southern Financial Systems , IncXXXX for the amount of {$880.00}. On XXXX XXXX I mailed a debt validation letter to Southern Financial Systems , Inc. via certified mail requesting them to provide proof that the alleged debt is mine. The letter was signed for by a XXXX XXXX on XXXX XXXX. It is now XXXX XXXX, XXXX and I have yet to receive a response form this company. I have never received a bill or any documents from this company.
I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed me.
I have a no interest 48 month loan used to purchase a lawn mower. After a few months of making the payment through the phone system without problems, it no longer would allow me to do so.I made calls to customer service requesting they repair the issue for the next few months also making payment through the representatives. The process to do the payment this way took in excess of 15 min on average. The bank did not care that they wasted my time and after a few months even the representative could not find my account. I told them that I would resume payments when the system returned to working order. After three or four months they resolved the issue and i returned to making the payments. The bank began changing my payment amount and adding late fees and interest and  increasing the payment. I spoke with someone from the corporate office and he denied any issue with the system ever having happened and said to bad that they would not remove the fees, interest or return the payments to the original amount. The paper work I have from the purchase says nothing about late fees or interest just that the amount is to be paid in full within 48 months and minimum payments.
In 2001 I bought said property XXXX XXXX XXXX in XXXX PA XXXX. The property taxes were not being paid properly, and the property went of the heriff sale list before I ever personally missed a payment. Countrywide Mortgage had been practicing fraudalent practices against its customers. I then lost my job and missed a few payments I tried to remedy through quick sale, but it was too late because they had already freclose my property by not paying the taxes they claimed they were escrowing. From there had to wait 7 years for the property to come off of my credit. Being sold several times XXXX XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXX and XXXX. None of which even tried to collect the debt. I believe because they all new countrywide had been doing fraudlaent practices through the mortgage crisis. I would like a refund of all fees taxes and compensation for being scam into a mortgage that was already doomed. I can be reached at XXXX
I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to Equifax, XXXX and XXXX XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.
I am writing in response to Rushmore Loan Servicing Response dated : XX/XX/XXXX regarding my CFPB Complaint : XXXX. I am requesting that my loan be transferred to another Loan Servicing Company. Your Response on XX/XX/XXXX is still full of lies and misconceptions and is still Retaliatory and I will be escalating these issues to VA & Congress. 

We did complete a Loan Modification Application with XXXX XXXX who placed our account on a Forbearance through XX/XX/XXXX and transmitted this information to you. Also, your letter that you referenced in reply to this complaint - XXXX does not explicitly state that date which has been communicated to Rushmore Loan Management Servicing over 15 times via, email, phone, and CFPB Complaints. These statements contradict your false accusations, as if we did not complete a Loan Modification Application. 

Secondly, I have attempted to get in contact with XXXX XXXX over 5 times and have left 2 Voicemails on last week with no reply. I also called today and receive voicemail and had to be transferred to her again by another Representative. Why do you assign accounts to Representatives who have not intentions on reaching out to the Consumer. I was trying to reach her to levelset and touchbase on my status, but there was 0 attempt to reach back out to me. 

I am requesting that my Loan and Forbearance status be reassigned to another Loan Servicing Company which has our best interest in mind without polluting lies and stall tactics when we are making concerted efforts to speak with a viable experienced Loan Modification Representative.
This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.
XX/XX/XXXX Negligent Mortgage Servicing Home Mortgage Account Number XXXX The above refinance loan from the XXXX XXXX XXXX closed in XX/XX/XXXX. In reviewing the closing documents in XX/XX/XXXX, I discovered that US Bank Home Mortgage, the loan service, had failed to record the transfer of the loan with the XXXX DC Recorder of Deeds, and had failed to send me the Deed of Trust and the Certificate of Title Insurance. I spoke with the Closing Agent, XXXX XXXX XXXX, concerning this matter, and he advised me to speak to US Bank Loan Officer XXXX XXXX. I informed XXXX XXXX that US Bank had failed to forward the Deed of Trust and other documents. He promised to forward the Deed of Trust but did not follow through. I subsequently reported this situation to US Bank Customer Service in XX/XX/XXXX. They responded to my complaint by sending me a copy of the Closing Document. Surely US Bank knows that a closing can not occur without the borrower having a copy of the Closing Document. I again wrote to US Bank on XX/XX/XXXX, indicating the above information. The response from the bank was a promise to look into the matter. A careful reading of the banks letter reveals its reticence concerning the Deed of Trust, the Certificate of Title Insurance, and the recording of the transfer of the loan with the DC  Recorder of Deeds. US Banks failure to complete these steps in the loan process violates my interests and contravenes the law. I should be grateful if you would kindly pursue this matter with US Bank.
This complaint is in conjunction with a previous complaint I filed against my previous mortgage lender, XXXX. 
I filed a complaint against them for an unauthorized unapplied funds account due to their error and never notifying me. They shorted me {$1400.00} on my escrow account and then transferred my loan to Mr. Cooper. Mr. Cooper failed to notify me that they were my new lender and so my payment was late. And then they continued to raise my monthly payment stating I was short. After I conducted my own investigation and found the discrepancy, XXXX made good and forwarded the {$1400.00}. 
However, prior to that XXXX sent a letter stating that if I paid them {$1200.00} my account would be good and I would not owe anymore money. I did this. The {$1400.00} XXXX sent to Mr. Cooper was then placed on a monthly payment as opposed to returning it to me. I demanded the money be returned to me due to them not having permission to utilize it for a payment. It was returned.

Now Mr. Cooper says that they have placed an unapplied funds account stating I am {$1400.00} short in my escrow account. I have never been late for my payments. I have documentation from Mr. Cooper starting if I paid the {$1200.00} all would be good. However now they are stating my monthly payment is going up yet again. I can not speak to the previous people Ive been dealing with. I can not get anyone to call me back.

I have been dealing with this for almost 1 year and nothing has been resolved. I would like some assistance. Due to all of these issues with Mr. Cooper they submitted numerous late payments to the credit bureaus which have affected my credit score. I have never been late. I have bank documentation stating so.
I have tried to call the XXXX XXXX number for Equifax to obtain a copy of my credit report. Several times it was busy and I could not get through. Today XXXX/XXXX/17 I did get a message machine asking for my information. I asked for a copy of my credit report, the reply was that I had to pay for it and insisted that I give them my credit card number to be charged. I never spoke with anyone personally and I did not leave my credit card number. I did leave my address, social security number and state which had been requested prior to demanding a fee for my free credit report. Please go after this company. I received a letter from a retail outfit that I have been doing business with for years stating Equifax reported a problem on my account. I need to get this resolved. Now my excellent credit score I have had for over 50 years has been tainted! Thank you.
Choice Recovery is still reporting 4 individual derogatory remarks on my transunion credit report for XXXX XXXX XXXX. 
All 4 are from the same day for the same thing on XX/XX/XXXX. That is more than 6 years ago. My ChapterXXXX bankruptcy was discharged on XX/XX/XXXX. 
Also i thought there was legislation that passed in XXXX prohibiting medical from being reported.
AFNI is reporting to the XXXX major credit bureaus ' negative information about an account that I did not open. I sent them a request for a validation of the debt and they did not respond within the 30 days required. I have disputed this error to the credit bureaus ' and AFNI continues to keep this on my credit report.
Ditech and the credit bureaus are falsely reporting as of XXXX XXXX, 2016 that my last mortgage payment was on XXXX XXXX, 2016. Ditech and the credit bureaus are falsely reporting that my account status as of XXXX XXXX, 2016 is " past due. '' I have written the company, and when I called the company on XXXX XXXX, 2016 I was told that they only report to the credit bureaus every six months. It is not acceptable for the company to have false information in my credit report for a six-month period.
Wakefield calls constantly. We have said, ok, maybe we owe this money, and asked that they send us a hardcopy in the mail detailing what we owe. We have verified our address, but for three months now they just keep calling. Everytime we answer, they say we owe money, and what card are we going to use. If we owe the money we 'll pay, however they refuse to SEND anything in the mail with a balance due on it. They wont stop calling, and demanding money. It 's becoming very frustrating.