WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I applied and got Amex EveryDay Preferred with XXXX bonus reward points after spending XXXX in the first 3 months. I rapidly exceeded spending the XXXX and then a lot more before the 3 months deadline. Then I kept waiting for the XXXX membership rewards points to post on my account. 
On XX/XX/XXXX I contacted American Express via the Chat box. The representative acknowledged that I met the conditions and I qualified to get the XXXX membership rewards. I was told to wait 8-12 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative acknowledged again that I met the conditions and I should be getting the XXXX membership rewards. I was told again to wait 6-8 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative and then a manager both acknowledged again that I met the conditions and I should " soon '' be getting the XXXX membership rewards. I was told to wait another 6-8 weeks for their investigation into the matter to finish. 
In my opinion, American Express not crediting the XXXX bonus membership rewards after 3 inquiries shows either gross incompetence or bad intention.
Citibank billed me for a balance transfer check in the amount of {$920.00}. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for {$36.00} - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a person every few days.
I have never lived at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never worked at XXXX XXXX.
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.
XX/XX/XXXX XXXX XXXX  was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX  doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a XXXX!
XXXX 2015 : I contacted USAA checking dept. and requested bank statements from my checking account. Unknown to me, the statements were available as saved documents on the USAA website. The customer service rep. did not inform me that the statements were available to me and said that there would be a charge for researching and copying the statements and a charge for mailing them out to me. Without knowing and not being told by the customer service rep that I already had full access to the statements that I was requesting, I reluctantly agreed to having USAA charge me to provide the statements for my checking account. XX/X/2015 : I was charged {$1000.00} for a " research and photocopy '' fee. XX/X/2015 : I was charged an " expedited '' mailing fee. XX/X/2015 : I was charged an additional {$120.00} for a " research and photocopy '' fee. After seeing the amounts of the automatic withdrawals from my checking account, I contacted USAA customer service and asked why the fee was so large. The customer service rep told me that they did not know why I was charged because all of the statements that I had requested, were available for me to view AT NO COST on my USAA website and was sorry that the previous customer service rep was wrong in not telling me this fact. I immediately asked for a full refund of the funds that were automatically taken from my checking account and was told that USAA would not return the funds. This is the ultimate in deceit and fraud.
This is the last attempt to resolve this issue, as Ive been advised by an attorney. This collection account thats on my credit from XXXX XXXX XXXX is inaccurate and I have no acknowledgment of. The address being reported Ive never resided at. I just went through a lawsuit with the collection agency XXXX XXXX about this same issue and won my case, its been proven that Ive never lived there and this isnt my debt. Attached to this form is the settlement agreement from my lawsuit with the collection agency and its showing proof that Ive never lived at the address XXXX XXXX XXXX are claiming. If we cant resolve this matter, I will be forwarding all of this over to the attorneys who handled my previous lawsuit and I will file one against them.
Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification.
I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. 
They have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. 
When I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. 
I do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times.
I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 notice.
I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Equifax and it's still not resolved. This fraud items are severely impacting my life. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I did not authorize or open this account above and have in several letters provided Equifax with affidavit and police report and have not received a response. 

This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 

XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Navient bought my loan from XXXX XXXX. They changed the interest rate thus increasing my balance due without following proper procedure.
I was sent a letter by Americor to settle my debt in XX/XX/XXXX. Upon having the initial phone conversation with them I was sold on them helping me get out of debt fast with low fees. The amount of fees was not told to me up front, I was told their fee was 20 %, then upon my cancelation I was told its 25 %. I canceled my account in XX/XX/XXXX and was told by Americor management that I would receive about {$2100.00} refund. When I contacted ( XXXX ) their 3rd party they informed me that I was charged a cancellation fee and I would only receive {$300.00}. I had an automatic payment processing after I closed and was told I would receive that as well as funds remaining in my account which was about {$700.00}. I have been ripped off by Americor and want to get my funds back.
In XX/XX/2017 I deposited a check from a client of mine into one of my Citibank checking accounts ( I have two Citibank checking accounts ). The check ended up getting returned and Citibank bank froze both my checking accountseven the checking account where the bad check wasnt deposited intoand closed both my accounts. This all happened two days after I made the initial deposit. So its not like days or weeks went by and I didnt take care of a bounced check on my account.

I dont have a Citibank where I live so I wasnt able to deposit money into my overdrawn checking, I was only able to do that via online through XXXX  or XXXX, but Citi closed both my accounts. I no longer had any access to my accountsat all!

I called XXXX and asked if they could transfer the XXXX I had in my second checking account ( that was also closed by Citi ) into my overdrawn account but they flat out refused. So not only did Citi close both my checking accounts before I could fix the negative balance in my checking account, they also closed my second checking account and kept the XXXX in it and didnt apply the money to my negative balance of my first checking account. I had my Citibank accounts for over eight years without any issues. Oh and they also reported me to XXXX.
I used Paypal to request payment using XXXX new features, the " request money feature '' and the " invoice feature '' on XXXX XXXX, 2016. 

Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate, and they could represent the transaction in a way that neither user would pay fees.
ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
At approximately XXXX XXXX on Monday, XX/XX/XXXX I came home from lunch ( I work XXXX XXXXXXXX ) and found a white car sitting in my driveway. I had to wait on them to pull out so I could pull in. When I approached the car it was a representative from Tower Loan of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She stated I owed money and needed an arrangement. I told her I had a pending Chapter XXXX filing and we'll be in touch once I get the case number. She unbuckled her seat belt and stated she was going to come in and get my personal property collateral I supposedly gave them. I told her she can't do that and she stated she could because I signed some form. She had no court order or sheriff officer with her, nor have I been served with a lawsuit regarding such debt. I told her to leave my property or I'll call the police. She said she was calling the manager and parked her car on the street blocking my driveway so I could not leave. I had a meeting so I went back to work in my XXXX office. 15 minutes later a blue car pulls up and the gentlemen continuously knocks and rings the doorbell for 19 minutes. He left his card, name was XXXX XXXX. I was unable to call the police due to my work meeting. I felt very threatened and could have easily treated this as an attempted home burglary resulting in a 911 call, which will happen next time regardless of my work schedule. To top it off, the letter she left me stated I had until the XXXX to make arrangements for the alleged past due and they are trying to steal property on the XXXX.
Received a letter from XXXX XXXX XXXX that I was denied for a loan of XXXX that I did not apply for. When I called they told me they received my application from XXXX XXXX. I did not consent for a hard pull from my credit report, and I did not apply for a loan. When I attempted to resolve this with XXXX XXXX XXXX they refused to help. When I wanted to dispute this, they would not transfer me to the disputes dept and stated they would see if they could find someone that wanted to talk with me. 

The application they received was from XXXX XXXX, who received the information from XXXX XXXX. I did not consent for a loan application on XXXX XXXX
On my credit carma report it shows that there is debt transaction on my SSN which was given to collection agency. One transaction on transunion on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.
The collection account from Meade and Associates was for a medical bill to XXXX, XXXX Hospital which I paid directly to the hospital.
1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. 

2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. 

4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. 

5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX.
I sent USD {$11000.00} to someone in XXXX on XXXX XXXX. It is now XXXX XXXX and it still has not been received. The company keeps coming up with new excuses.
XXXX XXXX XXXX Came to my house for my boyfriend. When they could n't get a hold of him, they knocked on my neighbors door and told them while we were gone, also asking my neighbor questions about his location and how they could contact him. This put my children 's housing at risk as I am XXXX, on a fixed income and do not need neighbors complaining on me for a debt that is not even mine to my landlord. The lady 's name is XXXX XXXX, from XXXX XXXX XXXX in New York. Reference # XXXX. I called them and chewed them out. I asked them to not come back or I would call the police. I also asked them if I needed to send them anything in writing and she said No. I understand debt collectors coming to one 's house ( I think it is disgusting, but I know it is " legal '' ), with that said, They involved my neighbors and put my housing and that of my children at risk ... I want them to stop. I did not give them any information on XXXX XXXX and would n't dream of doing that under any circumstances since they are NOT law enforcement. This happened between XX/XX/XXXX am on XXXX17.
Equifax responded to complaint XXXX filed by me to the cfpb per their response equifax connects with XXXX XXXX and XXXX XXXX connects with pacer PACER. serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. 
Because court records ARE public, any person or organization can view them through the PACER system Equifax is in violation of the fair credit reporting act because Equifax did not verify directly with the Bankruptcy court. 
Pacer.gov is a third party entity that collects information and then sells the information to Equifax and other credit reporting agencies. 
Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccuracy because the information was placed on my report by a third party pacer system. I feel I am a victim of scrutiny.
After a divorce in XX/XX/2015, I was unable to make my mortgage payments. I am not able to sell the house due to the fact that I am upside down in the property. I contacted the bank and requested a short sale. I also had an appraisal done and hired a realtor. We had a contract for the appraised value and submitted that to the bank with my short sale application. The Bank denied me the short sale citing my credit score was too high and my gross income was too high. Now they are denying me because of a Title issue. I do not believe there is a Title isssue.
There are accounts in my credit report that do not belong to me and Experian is ignoring my requests to investigate and remove the accounts from my credit report that do not belong to me.
I am writing to notify you of inappropriate and harassing phone call patterns from Wells Fargo Dealer Services, the outbound collections department. To state that I am frustrated and angry would be a serious understatement. Each month I pay my monthly payment after the due date, but before any 30-day past due period ; included in those payments are extra funds for the purposes of late charges. 
I have previously submitted an online complaint regarding these calls to our work and cell phone numbers ; but, that apparently makes no difference. I am revoking express consent to contact us on either of our cell phone numbers. Please ensure cell phone numbers XXXX and XXXX are removed from Wells Fargo 's system of record. Future calls made to these numbers will be documented. Additionally, please remove the XXXX and XXXX work phone numbers from Wells Fargo 's system of record, as neither of us are allowed to receive phones calls while at work. I am writing to formally request that Wells Fargo Dealer Services take the above noted phone numbers off the outbound collections auto dialer and to only communicate with myself or husband via written correspondence or via our home phone number at XXXX. 

I look forward to reviewing your written response to my concerns and requests.
XXXX XXXX XXXX XXXX XXXX , Nathan & Nathan P.C. , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX   XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told XXXX XXXX do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from XXXX XXXX XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX
We have a customer by the name of XXXX XXXX XXXX who refinanced with us back in XXXX. We sent the Power of Attorney forms to Bridgecrest along with the payment of {$28000.00} for the XXXX XXXX XXXX he financed with us. Everything has been finalized and it has been now 3 months and Bridgecrest is trying to hold the title back from us and even tried to send us our money back after they already cashed it to force Mr. XXXX to stay with them to take the car back. This is not attainable for the simple fact that he has his loan tied into one of our client 's, Bridgecrest is now legally obligated to send us the title regardless of what matters they have with Mr. XXXX  or contract. They have been sent payment for the car and once accepted even if they send us a check, that is on them to give us the title for the vehicle. The vehicle VIN is XXXX.
I had a loan with Navient ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that Navient reported that I missed 30 payments. The truth is I never missed a payment. Navient is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after Navient/XXXX took no accountability for their actions I consolidated my loans with another company. I no longer do business with Navient because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with Navient 's customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) Navient does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.