WillisBack/dataset-financial-user-claim huggingface dataset:
My name is  XXXX   XXXX , I am  a Ssi r ecipient who receives my funds on a direct express card. After some unauthorized charges ( approx {$280.00} worth by the same merchant ) appeared on my account before   XX/XX/XXXX   ( the date I started the charge back process with direct express ). I was finally given a provisional credit for that same amount ( approx   XX/XX/XXXX    ) nearly two months after I started the charge back process. I  was given this provisional credit only to have it taken awa y (  in less than 30 days ) without notice or authorization by direct express. Which is essentially the same action as the original offending company did  ( c ommitted unauthorized charge without notice ). It 's been over 90 days  (  charge back started   XX/XX/XXXX ,  today is   XX/XX/XXXX   ) since I started this charge back and I 'm left without resolution. I 've spent over days worth of hours on the phone to direct express over the past  three  months, and have gotten nowhere. Today 's third call has gained me the knowledge ( from a supervisor ) that my claim was approved and closed out yesterday and I would get a letter stating this and when to expect my money. When asked why I do n't have my money back today after this terribly long hardship the supervisor stated " maybe they are waiting for you to receive the letter before they deposit your funds ''. I 've probably spoken to every supervisor that works for direct express and none of them ever quite seem know what 's going on during my many calls, and even if they did are left at the mercy of their supposed and mysterious charge back department. Of whom has no telephone number to call, and only method of contact is the submitting of a support ticket by the very person who does n't know what 's going on. You are left at the mercy and hope that this support ticket is properly expressed and worded correctly so that the se two parties ca n communicate and your problem will be solved. Which is never the case because the supervisors often leave out pertinent info, and the messages are poorly expressed causing a communication breakdown as the recipient charge back department picks the note off the back burner and comes to a resolution requiring the least amount of effort right or wrong. I 've just given up during past issues regarding fees in the past because of this losing money in the process.
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!! 

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!! 

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
HI MY NAME IS XXXX XXXX XXXX AND I WAS JUST ONLINE CHECKING MY CREDIT REPORT OUT AND I NOTICED THAT SOMEONE WAS USING A NAME OF XXXX XXXX I NEVER USED THAT NAME AND IN THE FUTURE ONLY ACCEPT THE NAME OF XXXX XXXX XXXX S.S # XXXX
Mariner Finance received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from Mariner Finance in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the Mariner Finance homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, Mariner Finance only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
After a re-fi, I received the new mortgage company information and set up a bi-weekly payment on my bank 's website. I always pay 1/2 payment and am always 1/2 month ahead of schedule. I get a phone call telling me I am late and they need a payment. I look at their payment history on my loan and they are all there- Including the first half of XX/XX/XXXX! they will not get back to me, they are still showing XX/XX/XXXX is unpaid and now 20 days late-
I have a judgment against me from XXXX County Courts in XXXX, GA. I use to live in an apartment complex and left which caused me to break my lease. I have tried to settle the balance but have not been able to reach the company ( XXXX XXXX XXXX or XXXX XXXX ). I called XXXX XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) and they gave me the run around about how to pay and who to pay. The last time I called, I found out that another company now manages the apartments. I reached out to XXXX County Courts and they advised me to contact the lawyer for the case. I contacted the lawyer ( XX/XX/XXXX ) but did not receive a return message. I am stuck because I have been trying to settle this account. Because of this, I have been denied apartments because of this issue.
I opened a MileagePlus Explorer credit card with Chase bank a few years back, which is a co-branded card with XXXX XXXX. The credit card carries a {$95.00} annual fee. My fee is charged yearly on XX/XX/XXXX. I recently traveled to XXXX and attempted to used said ( no foreign-transaction fee ) credit card, but it was unfortunately non-functional. Upon return I decided to close my MileagePlus card as I was not satisfied with it. I waited until I paid off the card ( XX/XX/XXXX ) and contacted them yesterday, on XX/XX/XXXX, to close it. Upon the closure of my credit card account I inquired how they 're going to refund me the pro-rated annual fee. To my surprise I was told that I 'm not getting anything back. Apparently, there are no terms or conditions, but at their discretion Chase chooses to refund the annual fee if one closes the account within 180 days of the day when the annual fee was charged. In disbelief I researched this on the internet and found that all other banks refund pro-rated annual fees if a customer closes an account mid-year. So today I called back and was transferred to a supervisor, who after some investigation also told me there 's nothing they can do. What is surprising is that my annual fee comes with certain services attached, as allowing a free check-in back with XXXX XXXX among other privileges. So I have already paid for this service until XX/XX/XXXX, but by closing my account am unable to use it. When inquiring if Chase is going to pay my luggage fees then, I received no comprehensible answer.
CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine.
i have a son XXXX XXXX XXXX years old that get this bill front XXXX hospital in XXXX/XXXX/XXXX, my son move out my house and dont pay this bill, now they try to make me to pay this bill, puting this one in my name went i never was that bills responsable.. 
they send this bill in my name, now XXXX/XXXX/XXXX this collections agency try to get the monney front me, until my son is the respomsable for this bill..
FIRST FEDERAL CREDIT CONTROL need more info what the collection is for. never used the service never notify that I have an account
Over the past three years there is a XXXX account that keeps popping up on our ( my spouse and mine ) credit report. After providing documentation it is removed to come back on in six to nine months. We are never alerted to the account getting ready to report, which per the FCRA we should receive a notice within five days of the account to be posted to our reports. Once this account is removed from one report, the status changes on the other bureaus ( changes from Joint to Individual or the last reported date changes but the account number stays the same ) and we have watched this happen not only on this account but on several of the others. This account has been sold three times to other " collection companies '' that are actually part of the same company and still reporting the same account - this is per the XXXX Legal Department who has helped me with this issue. 
After consulting with the three Credit Bureaus ( over 15 calls placed to them over the last four days ) we were told the following : 1. We could resubmit the information ( this is after I faxed, emailed and regular mailed the information ) and the bureaus would get back with me.

2. Regardless of the laws passed in the FCRA, I am not able to submit to the three bureaus any account that I have that isn't being reported if that company is not a paid member of any of the bureaus - see the Town of XXXX, XXXX docs below 3. I may submit, in writing, a statement to be added to my report but it will be screened and up to the bureaus to add it to my report and will be removed after 30 days ( it will take approximately 90 days to approve it ).

4. If there is a disputed item, the company has 90 days to review the claim and E-Oscar will handle the claim, not the company.

5. If it is found that I am in the right, then the credit bureaus have 90 days to remove the account in question. 

I have received screen shots, emails and documents from some of the companies that have requested that their accounts be removed or updated on our reports and the bureaus have not completed the requests, or the scores are not updated when the items are updated. Our scores fluctuate around 20 to 60 points per month because of all of this. Since the Credit Bureaus have control over everything dealing with our day to day life, dealing with these bureaus has become quite the experience. We have spoken to people from XXXX ( call centers ) to supposed supervisors to specialty departments with very little solution to our issues. Please help!
Today on  XXXX   XXXX ,  XXXX  I used  XXXX   XXXX  app to view my credit on  XXXX   XXXX  report. I discovered I had some negative action from missed payments t o Dept of Ed for s tudent loans. I contacted the phone number provided t o Dept of Ed on   XXXX   XXXX   XXXX  and was ask for my social, dob, email, etc. To access my student aid account. The rep pulled up all my student debt info and then tried to convince me to apply for forgiveness. Once she offered to have {$4000.00} removed as forgiveness from my loan I ask why we had n't addressed the matter for my call about the  XXXX  negative actions on my report. At that time I felt her response was dancing around the question and asked if they were in fact a government entity with DOE. She stated they were and the company is calle d Student Loan Help Center.  While on the call I searched them on  XXXX  and realized this was a scam.  <P/> Not sure how this company received my call or has their number listed for DOE with  XXXX   XXXX .  <P/> I 'm filing this complaint because the took my personal info and I 'm worried they will attempt to use it. Also, I would like to understand why their phone number is the one provided for the DOE with  XXXX   XXXX , they misguide you to believe you are speaking with DOE.
XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} This account is not mine. I've never done any business with XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX
A check was written for my rent on XX/XX/XXXX. Though Capital One shows the check cashed, there is no signature endorsement on the back. My landlord said she did not cash this check, as she always signs it. I have called Capital One since XX/XX/. They are constantly saying their 'fraud team ' or their 'management team ' is handling this and will get back to me. I keep calling over and over and nothing is being done. How long can it take to find out where this check was cashed? I don't understand why they keep jerking me around. I have wasted hours and hours on hold while someone contacts " their manager '' or the person in charge or whatever. It's almost laughable now when they tell me they will have someone get back to me. This has gone on far too long and I feel they are not even handling it. I have copies of the front and back of the check.
On XXXX XXXX, 2016, I learned that the US Bank FlexPerks Travel Rewards Visa Signature card and the US Bank FlexPerks Business Edge Travel Visa Signature card had a special promotion for the XXXX 2016 Olympic Games in which new cardmembers would earn a certain number of FlexPoints depending on the number of medals won by the US Olympic Team. The link for the promotion is found here : XXXX In short, each card offered a XXXX FlexPoints Enrollment Bonus for spending {$2000.00} within the first four months of account opening, as well as XXXX Bonus FlexPoints based on the number of metals Team USA won at the XXXX 2016 Olympic Games this month. 
I have been waiting for this promotion for years, as I have wanted the US Bank FlexPerks Travel Rewards cards for myself personally as well as my business, but I wanted to wait for the Olympics promotion. As soon as I saw the promotion, I applied that night, and was approved later the same week. For the personal card, my friend asked if I could use his referral code, so I thought I would help him out since he would get XXXX FlexPerks and I would get my XXXX Enrollment Bonus plus the yet-to-be-determined number of Bonus FlexPoints for the Olympics. 

After the Olympics ended, I had already completed my {$2000.00} spend on each of the XXXX cards. I saw that the XXXX Enrollment Bonus points had already posted, but nothing from the Olympics had posted. 

I then emailed US Bank and asked to confirm that I would receive the Bonus FlexPoints from the Olympics. 

The response I received was this : " Our records indicate that this account was not applied with the Olympics promotional offer. In addition, you are not able to combine offers. Therefore, you could not apply with a Refer-a-Friend offer and the Olympics promotion. Therefore, you will not earn bonus FlexPoints for medals won by the United States at the 2016 XXXX Olympics. Please contact us again if we can be of further assistance. '' I feel very disappointed and slighted out of the bonus I had been patiently waiting years for and had rightfully earned based upon the promotional terms, which do not state that Refer-a-Friend applications are ineligible. I feel that I am being punished for using my friend 's FlexPerks number in my application in order to give him XXXX Bonus FlexPoints, and of course my friend feels terrible that he caused me to miss out on XXXX Bonus FlexPoints myself.
I am still in school and currently taking classes at the University XXXX for my XXXX. Apparently this past XXXX student loan payments were posted for me to start paying. However, they sent them to an old email that I do not have the password to anymore. I never received any phone calls or letters. NAVIENT posted my loans as delinquent in XX/XX/XXXX ( while I was an active student at XXXX College ). The only reason I found out about my loan payments was because XXXX XXXX emailed me that my credit had dropped dramatically from a XXXX to a XXXX. I am an XXXX student working full time up to XXXX hours a week at a XXXX. I am hoping this issue can be resolved because NAVIENT claims that they can not reverse the credit damage even after putting them into deferment.
To whom it may concern, Please help me keep my home, I called my bank ( Bayview Loan Servicing ) asking help to modify my mortgage payment. After almost 4 months of waiting now my bank keeps telling me to wait because the investor of my loan is out on vacation.
Now that the investor came back from vacation, Bayview Loan Servicing is telling me that my modification is denied because it is not on the best interest of my investor to help me keep my home.
I asked what does that mean and they told me that they do n't want to help me modify because it is not on their best interest to help me.
Please please I am very concerned that now Bayview Loan Servicing is going to try to take advantage and take our home away. my interest rate is very high and adjustable which it seems like that 's why Bayview Loan Servicing it doing everything to deny my application.
I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history.
This letter is your formal notice to cease your two unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Onemain Made on : XX/XX/XXXX - XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Both of my capitol one credit card accounts are restricted. I can not get a reason why nor have this restriction lifted so I can use my cards.
XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX  of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan.
XXXX ACCOUNT HAS BEEN ON MY EWUIFAX REPORT FOR 7 YESRS NOW AND HAS NOT BEEN DELEED YET THE CREDITOR ALSO HAS NOT REPORTED ANY PAYMENT HISTORY FROM THIS ACCOUNT SO THIS ACCOUNT SHOULD BR DELETED FROM MY EQUIFAX CEEDIT FILE XXXX AND XXXX JUST DELETED XXXX ACCOUNT FROM THEIR REPORTS BECSUSE IT HAS BEEN 7 YEARS AND FOR SOME ODD REASON EQUIFAX IS REFUSING TO DELETED THIS ACCOUNT
I contacted XXXX XXXX with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!
Please investigate my late father social security number. It have been used since XX/XX/XXXX, even though he have been XXXX since XX/XX/XXXX.
XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX7 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX