WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 ) XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. 
As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they  notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. 
CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account SAIF ID # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.
I orderd a couple pairs of shoes from XXXX XXXX for my mom when I received them they did n't fix her and they do n't have half size shoes or larger size, so I returned them, next thing I knew XXXX said, you have to pay for the return, I had no ideal there was a charge to return them. 
so I had to dispute with XXXX, they say they were sorry and that was it. 
so I continue to get bills for plus late fee of XXXX dollars and the amount of return was XXXX dollars so after months of billing me XXXX was due for XX/XX/XXXX bill to comenity.net.
On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of Equifax dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.
On XX/XX/2018 I made an online payment to XXXX XXXX for {$120.00}. I was emailed a paid invoice from XXXX for my monthly payment of {$120.00}. However, on my debit card account / Netspend it showed a pending transaction to XXXX  of XXXX. 

I contacted XXXX AND WAS ADVISED THE SUBMITTED THE EXACT AMOUNT OF XXXX TO NETSPEND. XXXX stated that Netspend had given them an authorization code XXXX in the amount of XXXX. 

I contacted Netspend and was advised that XXXX submitted a request to hold XXXX. 

After many phone calls, I still do not know who put the hold for more than the purchase price. This is not an amount subject to change and is a month to month fixed amount. 

I simply can not get any answers as to who placed the hold on my available funds. I had to actually go to a place and deposit money on the card to complete another purchase for parts for my vehicle. 

Netspend is swearing they didn't add anything to the XXXX submitted amount and XXXX  is swearing they did not submit an amount for more that the actual cost! 

I think I should be able to find out who placed a hold on my funds that exceeded an invoice. This was not gasoline or a car rental.
I don't even remember accepting a loan with this company XXXX XXXX XXXX and I received a call saying they were coming after me for fraud. I asked them to send me a contract or some type of information and the lady told me no. She is a mediator and the call was to see how we can get the debt resolved. I told her the debt was not mine, she insisted that is was and would not send proof. I eventually hung up on her. She did state that the debt was from XX/XX/XXXX and I have not received any information regarding this prior to now. I have been at the same address since XX/XX/XXXX. The called me and threatened me through an automated system and told me that that served as notice and that if I did not contact them today, they were going to sue me and the call hung up. So, I returned the call, they verified my information and told me what I mention above. I don't know these people but they sure know me.
I tried to pay my bill and was told that they close my account. I was not given any pre notification to allow me to work out any arrangements before they close my account.
A representative from Chase Commercial Services by the name of XXXX XXXX called my cell phone on XX/XX/2016 and was impersonated to be a lawyer representing XXXX XXXX.After several attempts he also mentioned he worked for CHASE BANK. He then went on to try to collect the wrong amount for a difference of $ XXXX I actually send XXXX XXXX and email with the indication that what he was trying to collect was the wrong amount. He continued to send me text messages where he is using my social security and sending me a text message with my social security. I have asked the representative by the name of XXXX XXXX to stop calling me and to stop calling my landlord.
I mailed XXXX XXXX a dispute letter asking the company to verify a collection debt. On XX/XX/2018, I received a credit card statement showing the account was closed and charged off. I have no knowledge of this account. A bank statement is not sufficient proof. I need a copy of a signed credit card application from the original creditor to prove that this debt is mine. I don't recall having this credit card account, nor making purchases on the account. I would like to see a copy of payment history, because I've never made a payment to the original creditor. Please have XXXX XXXX to provide a document bearing my signature or some kind of proof that indicates I've accumulated this alleged debt. Please investigate this complaint.
they call me two or three times a day. they already have a judgement that they cant collect on because i am on social security. i tried to resolve this debt yeas ago but they woudnt help then. i am ill nd these calls are very stressfu.
I was awakened early this morning, around  7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their   XXXX   XXXX   business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in  XXXX  Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo  XXXX   XXXX    XXXX .
I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.
I received mail stating that I owed two Capital One credit card bills. I did not open any credit card accounts with Capital One. I did not request to open a credit card account. I was shocked when I got the statements because I do know why or how they would even approve me for a credit card. They both show that they were opened the same time XX/2015. I have written to them letting them know that this must have been an Identity theft. The only charge was cash withdrawal. I asked them to pull the documents so they could check the signature. I asked them to pull the video from the cash withdraw to proved that I did not open the accounts. I did not withdrawn any funds from these accounts. One shows a balance of {$520.00} the other shows a balance of {$470.00}.
Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money .. 
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did
I am a short sale negotiator negotiating a short sale. A short sale is when a property is worth less on the market than is owed ( i.e : home is worth $ XXXX and Seller owes $ XXXX ) and the seller is going through financial hardship. The bank will approve to waive the deficiency if the seller can present a buyer. 

My seller owes XXXX to her XXXX mortgage, XXXX and XXXX to her XXXX mortgage, 21st Mortgage. The house is work XXXX. She is behind on payments for almost a year and is well in the foreclosure proceedings. XXXX has just approved the HAFA short sale ( government program ) for XXXX to the buyer we are under contract with now and is giving the MAX amount that the XXXX mortgage is allowed to receive by HAFA regulations : {$8500.00}, which is much more than the general rule of thumb where they receive 6-10 % ( I have never seen a payoff to the XXXX reflecting more than the 10 % ) of the remaining balance ( XXXX-XXXX ). 

21st Mortgage is REFUSING the {$8500.00} and is saying they will not approve short sale unless they receive the XXXX, which XXXX CANT even give, even if they wanted to. The seller is not legally able to give the XXXX ( even if she had it ) because the whole reason a short sale is approved is because she does n't have funds to give to the XXXX mortgage. 

21st Mortgage would RATHER have the Seller go into foreclosure and receive {$0.00} ( all proceeds would go to XXXX NOT 21st Mortgage because the amount owed is much more than the property is worth ) than {$8500.00}. Keep in mind XXXX ca n't even give them the insane amount of funds they are asking for.
I 've been charged an unidentified fee of {$15.00} on XXXX XXXX 2016 titled " CORPORATE ACCOUNT ANALYSIS CHARGE ''. Shortly after it appeared on the account, I contacted PNC business. To suggest they were unhelpful would be an understatement. I contacted my branch manager. She was unresponsive. I contacted PNC business support AGAIN, and once again NOTHING ... no identification as to what the charge is or why it was charged. 

I want the {$15.00} charge removed. I do n't care what it 's for at this point. The lack of " customer '' service for an individual who has been with PNC for a decade and a half is unacceptable and I 'm one more incident away from moving my money to a credit union.
I have been trying to refinance my home and have been unable to because of a HELOC that was included in a Bankruptcy ( discharged in XX/XX/XXXX ) because the bank, ( PNC ) has refused to give a payoff or report the information to the credit bureau on the HELOC. 
I filed a chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX.PNC was the holder of a HELOC on my property that I continued to pay even though it was included in the bankruptcy.I had tried to obtain a lien release and was quoted a figure of XXXX in XX/XX/XXXX.They claimed I still owed the money even though it was not reported to the credit bureau and they would give no rating in order for my lender in XX/XX/XXXX to do the refinance.They would also not subordinate this lien to a refinance so I had no options.I was paying a 5.25 % interest rate and wanted to refinance it to lower my payments.They were being impossible.I was willing to give them XXXX and get rid of them but they refused to give a payment history to the credit bureau on my payments on the HELOC. 
It cant work both ways, if the debt doesn't exist because of the bankruptcy then it should be discharged as a lien, if the lien still exists they can give a payment history so I can pay them off.They have not given me a statement or a balance in over 4 years despite many requests.As a mortgage servicer aren't they obligated to? 
My attorney told me that PNC was now offering lien releases to clients who were in Bankruptcy when I was, apparently they made errors during the process and they were making restitution.I am attaching a copy of the letter sent to other clients.I called them for my lien discharge and they  said my bankruptcy dates didn't qualify I advised them that it was in the same time frame as the person who received the attached letter and they said they would have a supervisor call.On XX/XX/XXXX I spoke to a XXXX XXXX at XXXX and he advised that he couldn't address all the issues but it had been elevated and within 1 day I would be contacted by a XXXX XXXX.He could not give a contact number and she has not contacted me.
Bank of America I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.
XXXX XXXX XXXX c/o PayPal Credit performed a credit check illegally and unauthorized. I paid a charge of {$7.00} at Paypal on XX/XX/2018 and they in turn ran an application for a PayPal credit card that I did not want, need, or authorize them to do. Unfortunately, due to this, a hard credit check was performed and my credit score was lowered. I did not get approved for the credit card due to the fraud alert on my credit report. This hard check needs to be reversed and I am unclear why this happened to me. This company needs to be notified of their actions that were illegal.
I have notified Equifax on at least 3 occasions, both through on line dispute and in writing regarding my credit being pulled by auto finance companies on XXXX/XXXX/XXXX. I explained this was done in error at the dealership and provided them with the manager at the dealership who is working with me to resolve this matter. Equifax did not investigate the matter, when I phoned after the first time in XXXX XXXX, as noted on their decision I had the right to ask of how they went about the investigation, I was told by 2 employees that they do not investigate inquiries. This is not my understanding under the fair credit laws. I am told if it is incorrect that I have a right to dispute and expect my concern to be investigated. It sits there for up to the 30 days they have, then they just keep saying it is valid and to contact the companies who pulled my credit. I have not only disputed this numerous times, they have failed on each occasion to contact XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX Al, and speak with XXXX XXXX who is the general manager at XXXX. He will verify this was done in error. They have failed to do this in the allotted time granted by law on at least 3 occasions and I am respectfully asking they remove all inquiries reported on XXXX/XXXX/XXXX from auto finance companies. I appreciate your attention to this matter. I chose proper notice of investigation since the other items did not exactly fit. They failed to investigate the issue. 

Respectfully, XXXX XXXX
Original Debt Collector XXXX XXXX XXXX signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to Specialized Loan Servicing LLC ( SLS ). SLS claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state XXXX will not communicate the debt to them. We are stuck in the middle. It is not our problem that XXXX sold them a debt that they did not confirm.
I have had a mortgage with Fay Servicing , LLC and I asked and filled out all paperwork required for a loan modification because of a severe medical problem, I just can not make the payments because it is a variable rate interest only loan and the payment keeps going up beyond my ability to pay on time. We contacted them on XX/XX/XXXX and filled out all paperwork they gave us, then they did not respond at all for 3 weeks and after I attempted to contact them 3 times, they ignored my requests. I then sent them in a final package of paperwork which they said they never got ( stall technique ) I then found the USPS date of delivery of XX/XX/XXXX and it was delievered to them. They are not communicating back in a timely manner and I can not make my payments any longer. They are dishonest and deceptive in trying to stall our requests hoping we go away. I need immediate help to get them to accept our modification as it was written. Thank you.
I was sued. They won. I was not aware of any of this. Today I look at my bank account at it is empty, and so is my savings account. In total they took almost {$4300.00}. I now have an overdraft in both accounts. 
I am a student teacher and earning no income. I was living on this money until I finished school. I now can not afford to pay my bills. I do not know what I am going to do.
Harassment ( multiple calls and emails nearly every day ), unwillingness to give me an affordable monthly payment ( $ XXXXa month is well over 50 % of my income ), I was told that if I payed less, they would n't accept it, Demanded that I pay XXXX of dollars before they would renegotiate my monthly payment.
After reading the recent lawsuit against Navient, I feel empowered to share my experience with having my loan serviced by the company and the problem I had when they were XXXX. Basically I had trouble where I had lost my home XXXX. I had lack of correspondence with the loan company and they put me into default fairly quick. I was receiving calls by their collection servicing company at my place of work threatening to garnish my wages if I did not pay all of the loan balance upfront. They offered shady payment plans that did not make sense. After speaking with XXXX and letting them know they had been trying to contact me on all of the wrong avenues they pulled my loans out of default, but the company they they used ( can not remember the name ) kept calling me and harassing me for the balance they they no longer needed to collect. 

After my loan was back with XXXX they has casually offered me the option of forbearance as a way to not pay the loan for 6 months and offered for me to defer my payments rather then set up for a income-based payment plan that I am on now.
Equifax still has information on my credit report stating past due student loan balance with  U.S. Dept of Edu. M y loans have been transferred to  XXXX   XXXX   XXXX  ; I been paying them since   XXXX  . My credit score is very low because of this entry.
I have found this information on my report :  US BKPT CT  NJ  XXXX   Reference  #  XXXX
I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.
I wrote XXXX a check for {$68.00} back on XXXX XXXX 2015. In XXXX they sent me a check for {$68.00}, which I never cashed or deposited. Then they had GLA collection company inc send me notice saying I owed them {$68.00}. I called GLA and told them I had a cancelled check showing that I had paid the bill and send them a copy of it. They then told me that even though I had paid them that they wanted me to cash the check they had sent me and write them another check. I told them I thought this was ridiculous and a waste of time. I did my part and now because they made a mistake they want me to waste my time. I fill like this is all because they do n't want to call the bank and pay {$25.00} to cancel the check.
On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.
BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.