WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed a while a go on my wellsfargo.com account that my XXXX Rewards are " unavailable ''. I finally decided to give them a call to figure out why that is. 
When I called I was told that my XXXX Rewards were connected to a wrong account ( not my credit card ) and that they 'll look over my history and give me all of the points that I should 've have acquired over the years but did n't because of their mistake. I was told that a manager will look at my case and give me a call. Sure enough I received a generic phone call from the XXXX Rewards people on XX/XX/XXXX the message left told me it was in regards to my claim and that I should call back. When I called back the phone operator told me that my claim is resolved and that I should see my statement reflect that when my billing cycle restarts. When it restarted I only had about XXXX XXXX Rewards. The amount of rewards that I acquired in the month of XX/XX/XXXX. I called Wells Fargo Rewards again to see what is going on. I was told that I opened my XXXX Rewards on XX/XX/XXXX, the date I initially called to figure out why my points have been " unavailable '' for as long as I have had the card which I got in XX/XX/2006 ( says it right on the card ). I tried to explain to the person on the phone what is going on that they made a mistake ... after some back and forth and sitting on hold for 15 min I asked them to make sure they did n't open another credit card in my name without my approval ( WF has a history of doing that ). I was told that there is only that XXXX credit card in my name and that there is too much history to look through for the person that was on the phone with me after which she gave me a fax number ( XXXX ) and a XXXX NC that I should contact. When I asked for a phone number I was hung up on.
ATTN : EQUIFAX I WOULD LIKE TO KNOW WHY YOU ARE CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT? AS I HAVE DISPUTED THE FOLLOWING INACCURATE PERSOANL INFORMATION WITH EQUIFAX BEFORE, AND ACCORDING TO THE LETTER THAT I RECIEVED IN THE MAIL DATED XXXX XXXX, 2016 CONFIRMATION NUMBER # XXXX IT CLEARLY STATES THAT THE DISPUTED ITEMS ARE NO LONGER REPORTING ON MY PERSONAL CREDIT FILE! I HAVE RECEIVED MY FULLY UPDATED COPY OF MY EQUIFAX CREDIT REPORT, AND THE DISPUTED ITEMS HAVE BEEN REINSERTED BACK ON TO MY PERSONAL CREDIT REPORT, AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY EQUIFAX CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT! 
THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EQUIFAX CREDIT REPORT, WHICH I HAVE LISTED BELOW FOR YOUR REVIEW : XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED : XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX THE INACCURATE ADDRESS INFORMATION WAS DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED IT BACK ON TO MY PERSONAL CREDIT REPORT, THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT! THE FOLLOWING INFORMATION LISTED ABOVE SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE! 

XXXX XXXX THESE INACCURATE TELEPHONE NUMBERS WERE DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED THEM BACK ON TO MY PERSONAL CREDIT REPORT, AS I AM SURE THAT EQUIFAX IS IN FACT NO DOUBT AWARE THAT THIS IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAWS. THIS INVALIDATED, INACCURATE PERSONAL INFORMATION SHOULD BE COMPLETELY REMOVED AS SOON AS POSSIBLE, FAILURE TO DO SO COULD RESULT IN {$1000.00} DOLLAR FINE PER UNDELETED ITEM. 

( PLEASE REVIEW MY SUPPORTING DOCUMENTS )
Using a PNC Flex Visa rewards credit card, I earned XXXX points. I redeemed them for XXXX {$100.00} XXXX gift cards. The cards were shipped on XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX closed my account and banned me for life for buying too much ( spending $ XXXX per year ) and returning too much ( around XXXX % of items bought were returned ). The merit of XXXX refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in XXXX, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. XXXX should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program.
On XX/XX/29 I purchase 4 flight tickets totaling {$790.00}. Next day I called flight company to cancel one since this person couldn't make it to flight. Company refused to cancel. I contact American express to see which were my options. They said they would open a dispute for one ticket to be canceled. They didn't notify me of the findings days after. They just sent me a letter for a survey of the dispute that was already closed. I contacted amex to see the ending of dispute and they said it was on flight company 's favor. I called flight company and they said. They said my tickets were canceled due to amex saying transaction was not recognized ( I never said I did not recognize transaction [ i only wanted to cancel 1 ticket ] ) I called amex and they said they needed proof it was cancelled. Finally I got proof the whole transaction was canceled {$790.00} flight company sent me a letter. Amex made me write down additional letter with details. I did and included letter from flight company that states the transaction was canceled and still amex went ahead and charge me for that transaction that had been canceled. They are still charging me {$790.00} and they refused to solve my problem ignoring the fact that transaction was cancelled a month before " departure date '' and even flight company sent me a letter, Which was originally requested by amex and now still amex is charging me for a service that was completely cancelled.
On XXXX/XXXX/2015 Capital One Auto Finance made an inquiry of my credit file with XXXX without my concent
Transunion, XXXX, and XXXX are reporting incorrect addresses on my credit report.
XXXX-17 I do not remember the amount but it's for Bank Of America, XXXX XXXX XXXX and any other banks shown on the XXXX report. This one person who was my roommate at the time, when I opened the accounts, told me the checks he had were good and instructed me to deposit the checks into the atm and into my account but little did I know that they were bad and ended up getting the bank to force me to close out the account and be put on XXXX  for fraud when it was my ex-roommate who did the checks. There was a warrant out for my arrest and by working with my defense attorney, I was able to get the charges against me dropped. I can contact my defense attorney and get him to ask the police there for a police report that proves that the charges were dropped. I just want the XXXX bad listings on me to disappear for good. 
For XXXX, this was all because my roommate instructed me to deposit a, in his words, good check that was actually a bad check and that bounced, making me owe money and having the account closed out by the bank. 
I just want this to be off XXXX and me to be put out of the database.
In XXXX 2016, my identity was stolen. A Capitol One credit card was opened in my name and sent to my old address of 20 years ago. Capitol One was alerted and was supposed to take the hard credit inquiry off my report and cancel the credit card. A letter dated XXXX XXXX, 2016 stated that they would remove this account. When the hard credit report was not removed as of XXXX XXXX, I called and got the run around. They said it would be taken off in 60-90 days. I called again XXXX XXXX as it was still not off. Again, was told 60-90 days. I believe the law states 30 days to remove unauthorized inquiries. They also did not have my permission for the inquiry. As of XXXX XXXX, 2016, the hard credit inquiry is still on my credit report. I also feel Capitol One was negligent in opening the account to begin with as I already had a Capitol One account with my current address in Georgia. This should have been a red flag and I should have been contacted by the fraud department before it was issued. If I had lost my card, they would not send it to a different address. Capitol One has not been very helpful in resolving this issue, so am contacting you in hopes of having the unauthorized hard credit check removed from my credit reports. It is currently on all the reports. A fraud file was opened at the XXXX County Sheriff 's department. A freeze and fraud alert was put on all my credit accounts. I was the one that caught the fraud and not Capitol One.
The lender, Chase, has failed to recognize the terms of my Chapter XXXX Plan which is now a completed case with a Discharge Order. I was repeatedly told that they could n't adjust the erroneous amounts shown on the statement while the case was pending. Discharge was entered on XXXX XXXX, 2015. I wrote to Chase Bank on XXXX XXXX, 2015, after I received the XXXX statement, about the numerous errors in the statement and only received a vague letter response sent on XXXX XXXX, 2015. Chase has initiated XXXX calls to me and I have called the designated representatives frequently trying to get this cleared up. On XXXX XXXX, 2015 I was told it could take up to 3 more weeks to resolve. On XXXX XXXX, 2015 I called and spoke with another representative. I received a call the next day from yet another representative that it " may take 2 more weeks. " The mortgage is adjusted to the amount of {$850000.00} per the terms of the Ch. XXXX plan. All payments were current under the plan, all impound amounts are current. Starting in XXXX, 2015, I have made the payments of loan interest and principal and impounds directly and each month has included a voluntary extra payment to principal. The loan became amortized with the payment of XXXX, 2015. 
My statement remains incorrect, off by over {$200000.00}. Principal and interest is not properly listed and impound amounts are off by an incredible amount. I started receiving solicitations for loan modifications from Chase ( at least XXXX packets of them, including XXXX mailed to my former attorney in the bankruptcy matter ). They are internally showing my loan as 29 months late even though it is completely current. I am concerned about credit reporting on this account. They ca n't seem to do the simple accounting required to correct the statement which I first requested by letter on XXXX XXXX, 2015. On XXXX XXXX, they requested proof that my homeowner 's policy was in force the entire time, which I provided. I have documentation for everything in this report and more.
I was offered {$20.00} reward incentive to open a Sam 's Club XXXX at the checkout line. At the time I signed up they said that the credit would show up on my first billing statement. I got my statement today and there is no credit! I called their customer service XXXX and was told both times that the credit will show up in XXXX to XXXX billing cycles. Because of the deceptive practices I do not want this card at all. Sam 's Club XXXX is issued through Synchrony Bank. I also have written letter disputing this and have mailed it to them per their instruction on the back of my statement.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have been having a problem with Enhanced Recovery coming after me for  XXXX  separate bills when they were not bonded in Texas at the time. I 've had the  XXXX  and  XXXX  accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However,  Enhanced Recovery Corp  seems to continually place theses accounts back on my report. Since  XXXX  I 've contacted between  XXXX  and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in  XXXX . Only to be placed back on in  XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The  XXXX  account was placed back on and removed again in  XXXX .  XXXX  came back as well and removed in  XXXX . I have had  XXXX  removed once again and now ERC is still trying to collect on  XXXX .  XXXX  has been removed from   XXXX    and    XXXX  . However, it and  XXXX  are still on My   XXXX   and  XXXX  report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.
I was enrolled in a credit insurance program without my consent. When I contacted XXXX, their only advise was to contact the company directly because they were a 3rd party, XXXX XXXX XXXX XXXX. Mind you I never enrolled in this program and XXXX know how I was enrolled.
On XXXX/XXXX/15 was expecting a direct deposit from my employer to be on my rushcard. I logged onto my online account and checked my transactions and I could see where my deposit was made from my employer but my balance was still at {$25.00} ( from what I saved from my payroll last week ). I had been calling rushcard nonstop since XXXX/XXXX/15. I was finally able to get in touch with someone @ rushcard and when I told her what was going on with my account she said that my account was - {$870.00}. When I asked her how can my account be in the negative when I get a payroll deposit from my employer every week and you can only spend what you deposit, she caught an attitude and then saywell you can just close your aaccount. I told her I was calling about my money not to close my account and ask her to transfer me to a supervisor. She transferred me to her supervisor. I was on holold for about XXXX mins. then the phone clicked off so I called back and they said to call back in the morning to talk to a supervisor.I have been calling 2 days straight with no answer. Please help because this is ridiculous. This rushcard glitch has affected me tremendously and then on top of that they are trying to say to say my account is negative {$870.00} which is impossible
I have been enrolled in an Income Base Repayment Plan for a few years now with my federal loans through Navient. I recently submitted my recertification so I could continue to be enrolled in the IBR plan. I had not heard back from Navient so I decided to be proactive and give them a call. The first representative I spoke to said that I filled out the application wrong and as a result the application was denied. I demanded to speak with a supervisor. The supervisor told me that there was nothing wrong with my application and that she would push it through the process. This is unacceptable because if I had not been proactive my application would have been denied and I would have lost my IBR and would have seen my monthly payments go up over {$400.00}. This is not the first problem I have had with Navient and not the first time I have been given misinformation by their representatives. As a result of their negligence and misinformation I have seen my total loan balance with the company skyrocket. The company never once informed me about IBR plans, instead in the past they pushed me into loan deferments and forbarences that resulted in interst compounding and my loan totals doubling. I had to do my own independent research to discover that I was eligible for IBRs an lower payments. I have had nothing but years of problems with Navient.
We are requesting the following information from First American Title Insurance Company in writing. 
1st- We signed a Note and Deed of Trust at the XXXX Nevada location on XXXX XXXX 2006 for XXXX. What was the date that First American Title sent the original documents to XXXX? 
2nd- how did First American Title send those documents, federal express, USPS or XXXX? 
3rd- for the property located at XXXX XXXX XXXX , did the investor ever cash out the insurance policy that the investor had with First American Title, file # XXXX? 
4th, if so, please provide dates when cashed and to whom was the funds paid too? 
Thank you for your time.
XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERYINC. #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX  information. I believe under th e Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   . but I am   unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permi ssion to CHOICE  RECOVERY INC. to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request   is two fold and as follows, Validation of Debt, and HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this form  al complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as  a HIPAA comp liance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it  may be a vio lation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.