WillisBack/dataset-financial-user-claim huggingface dataset:
My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me. 
For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc. 
I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my account.
I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.
CITICARDS CBNA XXXX XXXX DISPUTES XXXX XXXX, SD Has added " Consumer disputes after resolution ''. I NEVER disputed anything. I have asked Citi bank to investigate and they confirmed that they did not put this comment. This is impacting my Credit Report.
Back in XX/XX/2018 my daughter had to move out of a student housing facility due to illegal activity that was going on at the facility. The manager was alerted and did nothing to address this and as a result she moved out before her contract was up. I had called and spoke to management multiple times from XX/XX/XXXX to XX/XX/XXXX regarding the contract and that we should not owe this debt since they were negligent and broke their own contract. As a result they sent me to Pro Collect ( collection agency ) out of XXXX, TX. I received a collection letter on XX/XX/XXXX for collection. I retained an attorney and sent a letter of dispute to Pro Collect on XX/XX/2018. I also sent a letter to the Student housing complex ( XXXX XXXX XXXX ) as well. I received a cancellation letter back from Pro Collect on XX/XX/2018 stating that the account has been canceled and I not longer owed this debt and the request was made to have it removed from the Credit Bureau and it was returned to the original creditor. I applied for a loan on XX/XX/XXXX and this debt was still on my credit report. I have contacted Pro Collect multiple times regarding this and I was informed that I could only email a person by the name of XXXX XXXX ( collection manager ) and that he was the only one that I could correspond with. I sent an Email to him on XX/XX/XXXX stating this was not longer owed and that their company has sent a cancellation letter. On XX/XX/XXXX XXXX XXXX sent back an email stating that I owed the {$1400.00}. I then sent another email back to him on XX/XX/XXXX stating that I didn't owe the debt and that his company had sent the cancellation letter. I have sent emails back on XX/XX/XXXX and XX/XX/XXXX asking of I need to send a copy of the cancellation letter to him. I have not had any response from him and I have tried to talk to someone else at Pro Collect and they always say I can only email XXXX XXXX and no one else there can help me or have access to my account with them. I still am waiting for a response. I have included letters that were sent to XXXX XXXX XXXX and Pro Collect as well as Emails to XXXX XXXX  ( collections manager ).
According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
I have been receiving calls from XXXX XXXX XXXX XXXX which belongs to National Enterprise Systems. A gentleman with the first name XXXX ( sp? ) and a female with the last name XXXX ( sp? ) were the last two I spoke to in reference to receiving calls for someone else. XXXX told misrepresented his business when confronted with my question " You are a debt collection agency, right? ", his response " we deal with business copyrights and legalities associated with those copyrights. '' This company is clearly a debt collector as their website suggests : XXXX and they operate out of XXXX XXXX XXXX XXXX XXXX Ohio XXXX ( XXXX ) The calls have been very aggressive impeding my sleep ( calls at XXXX in the morning to XXXX - XXXX to my phone while at work interrupting my work flow. My employers are questioning my integrity and it severely takes from my over all productivity. 

When threatening to take legal action against the harassment, it did n't even seem to phase them. Poor business and ethical practices. I feel for those that have to deal with them because of debt ...
I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears.
Portfolio Recovery Associates , LLC sent me a collection notice XX/XX/XXXX on an account they purchased from XXXX XXXX. I then requested verification of this account due to the fact that over the past couple of years I have had XXXX previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and several years after the divorce I am still finding accounts in which I owe. If one were to view my credit report, there are no accounts in jeopardy except those from several years ago. Portfolio Recovery Responded with a letter stating they would verify this account within 90 days which is not satisfactory. During the 90 days, I was sent a collection notice from them requesting payment without verification and the payments or balance was due on the account by XX/XX/XXXX, which is in violation. I then received a verification from them on XX/XX/2016 which only included a few copied statements from the account but none of the other information requested. I then in return submitted another request for verification via certified mail dtd XX/XX/XXXX ( certified mail rcpt number XXXX ). On XX/XX/2016 I received a letter which I have enclosed from Portfolio Recovery Associates Dtd XX/XX/2016 requesting payment no later than XX/XX/2016 also stating account has been transferred to litigation WITHOUT providing proper verification once again!! This is ridiculous and I have dealt with this company on another occasion and the same thing happened. I have asked for items to verify the account and they have not been provided to me.
I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I filed for bankruptcy, gave them my attorney 's information but they still call me 4-6 times a day.
Chase credit card services continues to charge us for a XXXX bill of {$50.00}. This charge is in dispute and will will not be paying it ... Chase is using unfair labor practices on my wife and us and charging us for a bill that they can not resolve and give us credit back on. In question was XXXX hotel XXXX charging us for a XXXX night stay plus a deposit of which we paid for of $ 34 months ago on the card. We stayed only XXXX night at XXXX hotel in XXXX XXXX not XXXX nights. Chase card services needs to credit us back the disputed amount of at least {$60.00}. Again the paperwork shows that I sent in over a month ago shows we were not at circus circus for XXXX nights yet charged. We stayed the night in question at a XXXX in the XXXX XXXX area that night. We want this rebilled amount of {$50.00} taken off our card immediately. 

Truly XXXX XXXX
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX  ( Original Creditor : MEDICAL ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.
On XXXX XXXX, XXXX I paid off all my revolving debt through a HELOC loan with my bank, XXXX of Colorado. XXXX sent letters along with the payoff funds to each company asking for " any documents of title, properly endorsed and released and any security agreements to be released or terminated and any note or credit agreement marked paid or cancelled '', this clearly means to close the account upon receipt of these funds. Kohl 's did not close my account per the request unbeknownst to me. As I had just had my credit report pulled for my loan I could not check it again, post loan, to see if anyone was still reporting on my credit without hurting my credit score. Last night, XXXX XXXX, XXXX Kohl 's sent me a new credit card in the mail that I did not apply for, so I knew my account had not been closed as the letter in XX/XX/XXXX had instructed them to do. I called them today, XXXX XXXX, XXXX to ask for account closure and a credit correction to the XXXX credit bureaus as they have been reporting on my credit report in error for the last 7 months and affecting my credit score. They have refused to help me and have taken the position that the letter did not ask them to close the account and the bank can not request a closure on my behalf, I have to request it. I explained to them that is why the letter has my signature on it, this shows that this was my request. They refuse to correct my credit report. I should not be penalized and have my credit score affected, as I am trying very hard to improve my score and be very smart about my credit worthiness simply because they can not decipher a letter of this nature requesting closure of an account. Having this revolving credit as a trade line on my report is hurting my score and has for the last 7 months, while I thought my score was improving and this should have been removed in XX/XX/XXXX.
On X/XX/17 I paid off my PNC Bank Visa card on the phone with a representative of the company. The amount was {$3900.00}. I double checked to see that this would be the final balance, no additional funds required. I was assured this was so. I called them the next day, X/XX/17, to be assured the account was closed, free and clear and was told I had a XXXX balance. Yesterday, X/X/17 I received a bill from them for {$38.00} in interest. I called them to question this. The billing date on the statement was X/XX/17. They told me that I owed interest to them. I talked to four different people, going up the supervisory ladder, to try to get the amount removed, knowing that if I refused to pay it would affect my credit. I was told by every person responding that they could do nothing.
While at  XXXX   XXXX   XXXX  applying for a home improvement loan with my son, loan  officer su bmitted our information to equifax credit bureau my sons came back but, mine did not.   Loan  officer states that my report was locked or blocked and there maybe some type of fraud involved. However, I called the equifax company twice and both times two different representatives st ated that there was no lock or block found no evidence of fraud and my credit report was open and clear.     I 'm being denied a loan based impart on erroneous information from equifax and/or  XXXX   XXXX   XXXX  branches in the  XXXX  FL area. I hope you can investigate this issue, it appears that person or perso ns may have comprised one or both  of these companies or they equifax is playing with peoples lives not sure who is at fault either company or both but something is obviously wrong.
Credit Collection Services has attempted to collect a debt from me for XXXX and I never established a contract with this company, in addition this company has defamed my name and character and reported false information to both my XXXX and XXXX credit report.
I just recently filed a complaint through CFPB due  to US ban k showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  US bank to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my re port.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
Ive asked to have the comments " less than full balance '' to be removed from my credit report. The settlement was for the " FULL '' balance, I 've sent documents from the company confirming this and Transunion still reports incorrectly should just be paid.
I recently pulled my credit reportJPM Chase is reporting a charge off on my acct I called them several times to verify the debtI told them I never received a bill they said they were sending it to an old address it looks like they send the card to a wrong address and someone stole my card or my card number was stolen through a store I dunno. I explained so I asked them to send me all charges on the acct starting from XXXX dollars till XXXX dollars that they are reporting they failed to supply me with the charges on the bills all they sent me was XXXX statements of ending balances with XXXX purchases.
Diversified Consultants, Inc. has aggressively continued to report unfavourable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
They are saying I owe XXXX XXXX XXXX. I've never had an account with them. I've tried to get the original contact information but no one has it. They're gon na garnish my check. 

They want me to file fraud information but they wont give me any information on the original account. 

The company name is XXXX XXXX XXXX
The Obama administration promised public service loan forgiveness beginning with repayments starting in 2007 in conjunction with work at a qualified institution. 

I have worked at a qualifying institution for 12 years. I have never missed a payment. I filled out the public loan service paper work and have been informed that I need to choose a new repayment plan and start over for the next ten years. 

How does one know what plan to be in? I recall practically no information being given when I started this fiasco over a decade ago. Why didn't the government provide me with proper guidance? Regardless, I recall having paperwork a decade ago saying I was making qualifying payments. Now the Dept of Ed is saying I made " no qualifying payments '' ever. 

My loan was handed to XXXX many years ago ( without my input ) and it has been down hill ever since. 

I feel deceived and cheated by the very government that promised forgiveness all those years ago.
I received Orders for XXXX XXXX in XXXX XXXX, and I requested the interest rate to be lowered. I mailed in my request and Orders. I XXXX XXXX XXXX. I never received the decrease in my interest rate. I followed up every month about the Interest and I was told it was being processed. After returning from my XXXX in XXXX XXXX, I was told by Flagship Credit Acceptance I could not receive Servicemembers Civil Relief Act. I was XXXX for a year and it caused significant financial issues the fact I was told it was processing but the interest rate was never reduced. I kept receiving the run around and was treated unfairly.
I have another charge on my chase account for XXXX, I have notified chase for over 1 week of fraud activity, they have not stopped any of the charges while they are pending authorizations and then they allow them to be paid, chase is not refunding the charges and I have provided them with details on who is doing the fraud, yet they still havent done anything. I want my refunds today and them to do their job and stop this person from using my card. 

XXXX XXXX XXXX XXXX XXXX. debit {XXXX
This line of service was opened without my consent. The account is fraudulent and I am not responsible for the charges.
On XX/XX/18 I was told by XXXX XXXX at XXXX XXXX XXXX  that I could trade in my vehicle & only bring in {$300.00}. Since I have a loan with them anyway & excellent payment history, it would be no problem to trade in my car. Once i got to the dealership, I was told because I have an upcoming court date - they were unable to approve me. I never received a letter of denial of credit. After several emails asking about the letter, I finally received a letter on XX/XX/2018. Reason for denial was unsatisfactory background? How can a subprime lender get away without disclosing they pull your background report & deny a trade in - which I got from them.
I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property.
I have been disputing a charge ( {$600.00} ) from XXXX XXXX. since XX/XX/XXXX. The charge was for a phone plan that I did n't agree to, that charges me for every toll call. After noticing this mistake, a manager named XXXX ( extension XXXX ) reversed these charges and put me in the correct plan. A timeline of my complete history ( names, dates, XXXX XXXX, Legacy ) with this account will be uploaded and was sent to Experian Credit Reporting at the time of my first dispute.
My XXXX XXXX Credit card did an investigation and XXXX XXXX XXXX accepted my dispute and credited me the charges. This form is also going to be uploaded.
XXXX and Experian had reported XXXX as a charged off account. I disputed these charges and will upload the results of their investigation and reinvestigation. Experian actually said on theXX/XX/XXXX results that " we are unable to use it ( the documentation I provided ) to make changes or deletions you requested ''. I called Experian in late XX/XX/XXXX and told XXXX, and mentioned to him about the refusal to use my documentation. He said " Oh, you did n't have a contract with them ''. He said he will re-dispute this based on an ownership issue. He kept the same Dispute number as before.
Report number XXXX- ... ... .. with Experian was emailed to me with the results on XX/XX/XXXX. Experian came to the same conclusions, so I called them up and all they could say was to call XXXX.
A reinvestigation by XXXX came up with the deletion of my XXXX account and my Credit Score reflected this. XXXX XXXX report will also be uploaded.
XXXX XXXX and XXXX have ruled in my favor and after 2 attempts, Experian has come up with a different conclusion. I would question the process Experian went through to come to different conclusions.
Thank you,
The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.
In my review of my credit report on XX/XX/2018 Portfolio recovery associates is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Portfolio recovery associates is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.