WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for an American Express Everyday Preferred credit card in XXXX 2016. The sign-up bonus as was shown on their website was XXXX Membership Reward points. Upon fulfilling the requirements of the bonus, I noticed I only credited XXXX points. 

Despite a screenshot that proves I was shown this XXXX point offer, I have been forced to contact American Express repeatedly about my issue. Each representative I speak to knows very little about my issue. In XXXX phone call, the Amex representative was unable to locate any case opened for me. In another call, I was informed that the Amex back-office did not work on my case, as they promised, and had no information to give me. 

Most recently, I was told by American Express that they were unable to verify that I was given this offer. I been forced to open a case with the CFPB as it is becoming clear my internal case is not being handled properly. 

I would like to be credited the remaining XXXX points and will attempt to attach a copy of this offer to this complaint.
I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Corporation are in violation of the FCRA.
I made a payment on XX/XX/XXXX. They have not credited my account in such a way that I can use the card. I made a {$570.00} payment on XX/XX/XXXX. Synchrony Bank /Paypal Master Card has acknowledged they received the payment however are not allowing me to use the credit because they say there is an investigation into this payment. I spoke to a representative on XX/XX/XXXX who told me it was an " investigation '' but would not give me any details. He told me it would be released in two days. After two days I contacted a supervisor who told me it would be released today XX/XX/XXXX. That has not happened. My issue is simply after making 11 months of payment I do not understand why they would investigage this payment. I have enjoyed 11 months of receiving NEXT DAY credit for my payment until without warning Synchrony Bank / Paypal Master Card changes the policy.
Settlement agreement made and paid for two accounts with USAA, my c edit report was updated but still reflects a balance owed. I contacted USAA and they informed me the problem will be fixed. I conducted a dispute for both accounts and results came back as reporting accurately. Contacted USAA again and they said it is the reporting agency that has failed to update the accounts accurately. So I conducted another dispute on both accounts and received the same result.
Each year, I review my free annual credit report to make sure all information is correct. However, I first noticed on my TransUnion credit report where one of the accounts had the remarks, BANKRUPTCY DISMISSED ; PLACED FOR COLLECTION. I immediately filed a dispute and waited a month later on XX/XX/2016 for the investigation to be complete. On the dispute, I explained I had never filed bankruptcy ( or attorney for that matter ) and I wanted the remark to be deleted for accuracy. When the dispute was finish the same information is listed on my credit report. I became frustrated that not only FICO score dropped on all three credit reporting agencies and I followed the instructions of the customer representatives and no one listened or resolved matter. I need help - I can not buy a car or anything because my credit is affected. My report contain error that have harmed my ability to obtain credit. 
TransUnion provided no straightforward way for me as a consumer to correct erroneous blemishes affecting my credit. When I filed a dispute, TransUnion reflexively finds in favor of the debt collector that reported the debt. In this case, the debt collector was XXXX. TransUnion has failed my trust to maintain accurate credit reports and its refusal to investigate consumer disputes after I pleaded for help
I CONTACTED SEQUIUM ASSET SOLUTION @ XXXX & XXXX DUE TO THIS ACCOUNT SHOWING ON MY XXXX CREDIT FILE AND THE ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME. I SPOKE W/CUSTOMER SERVICE REP WHICH MADE HER MANAGER IN COMPLIANCE ( XXXX XXXX-MANAGER ) AWARE OF WHAT HAS HAPPENED AND THEY VERIFIED WHILE I WAS ON THE PHONE THAT THIS ACCOUNT IS IN FACT ( NOT MINE/DOES NOT BELONG TO ME ). I WAS TOLD THAT THIS ACCOUNT {$930.00} WHICH STATES WAS OPENED XX/XX/18 WHOULD BE PROMPTLY DELETED. CALL REF # XXXX. 
SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX # XXXX EXT:XXXX ( COMPLIANCE MANAGER XXXX XXXX ) HAS NOT DELETED THIS ACCOUNT FROM MY XXXX  CREDIT FILE. I AM ALSO FILING AN ONLINE COMPLAINT WITH THE FTC.
I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with Castle Credit Holdings for {$1500.00}, it says it was closed XX/XX/2018. The other is with XXXX XXXX XXXX for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for Castle Credit Holdings still shows as an open account on XXXX. I am also seeking legal advice this week from a local  attorney to dispute these items. Castle Credit Holdings directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
On XX/XX/XXXX on finance a XXXX XX/XX/XXXX XXXX with pentagon credit union which my father is the cosigner. His name is XXXX The pentagon Credit union has only report to the credit Bureau that only made XXXX payments. the reported the first XXXX payments only. So from XX/XX/XXXX to XX/XX/XXXX they have not reported no information to any credit Bureau affecting and damaging my credit and father Credit payment history determines 35 % of a FICO Score. You have no just cause damage mine but also to my father XXXX. If this matter is not resolved and we are not considering the right interest rate for the mistake that the Penfed has made for inaccurate information. This has caused us XXXX damages, higher insurance premiums, Damages for emotional distress, humiliation ; indignation, and pain and suffering
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Unknown XXXX XXXX XXXX XXXX XXXX XXXX-multiple times XXXX XXXX-Unknown XXXX XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-Multiple times under different names
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT.FTC ID THEFT REPORT # XXXX
I have reported Midwest Recovery Systems to all XXXX credit bureaus. This debt is not mine. Never received written notice that I owed a debt to anyone. I called them today XXXX/XXXX/XXXX as soon as I saw it on my credit reports. I demanded an explanation to why a debt that is not mine was on my report and the lady hung up on me. I called back but got voicemail.
I receive a call from a number XXXX. I was advised I owe XXXX auto loan with D2 management. The lady told me she review my credit i have no judgements or liens on my credit report. I do not have none of my documents at all. I have a Protection Identity Number and Fraud Alert on my credit report. The lady did not want to listen to me. She got mad.
On Saturday, XX/XX/XXXX, I checked my PNC Bank account and saw that my balance was {$1000.00} lower than I had expected. I called PNC Bank, and they told me that someone had used my identity and walked into a PNC Bank branch on Wednesday, XX/XX/XXXX, and withdrew {$1000.00} from my checking account. The fraud services representative at PNC Bank then compared the signature from the {$1000.00} withdrawal against my signature on file from when I opened the account, and noted that they did not match. Upon further investigation, PNC Bank called me later that week and told me that this incident occurred at the branch on XXXX XXXX XXXX. I was told by the fraud services representative that the {$1000.00} that was taken from my bank account would be returned to me within 3 days of my initial phone call to them on XX/XX/XXXX. I have not yet received the money, and have made repeated phone calls asking why. Each time, PNC 's response is vague and and unhelpful, and I am concerned that the {$1000.00} that was taken from my bank account will never be returned to me.
I have tried every which way in obtaining my free report. They are completely evasive. Experian is no comparison to XXXX and XXXX. I had no problem with either of them. 
Please help me obtain my free credit report from Experian. 

Thanks, XXXX XXXX XXXX
I am an victim of idenity theft and my police report has been sent and received to XXXX  and they refuse to reach back out to me on why my inquiries have not been deleted after three months of continuous calling and sending police reports. I need the following inquiries removed that I did not authorize XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Sales Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry fromXX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX+ Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + General Clothing Stores XXXX XXXX Inquiry from XX/XX/XXXX+ Miscellaneous Reptg. Agencies
XXXX XXXX 2016 received a letter from XXXXScott Lowery P.C with alleged amount of debt of {$4600.00} I owe XXXX XXXX and XXXX. Checked my credit report and didnt find any of them there. On XX/XX/XXXX2016 sent XXXXScott Lowery P.C notirized letter of demand for validation. Certified mail indicates it was received by XXXX XXXX on XX/XX/XXXX2016. Havent received anything. But XX/XX/XXXX2016 ( sunday ) a courier called me and handled me summons for court. Tried to contact XXXXScott Lowery P.C ( XXXX XXXX, # XXXX ) to find out what 's going on. Left voice messages. No answer. XXXXScott Lowery P.C sent me new paperworks trying to get me signed. Have copies of all paperworks.
I am a XXXX, XXXX  XXXX Veteran with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my XXXX XXXX XXXX XXXX XXXX XXXX credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from prison in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the XXXX XXXX XXXX XXXX XXXX XXXX and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called TRANSWORLD SYSTEMS INC. ( TSI ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was incarcerated. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to TSI via certified Express mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX  the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to prison ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XX/XX/XXXX ) can apparently be collected as a federal debt would, through garnishment.
I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : XXXX ( Collection ) XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.
I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX
I HAVE A CAPITAL ONE CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME CAPITAL ONE WILL ADVANCE YOU TO A QUICKSILVER CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE QUICKSILVER CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED CAPITAL ONE TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. CAPITAL ONE STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' CAPITAL ONE KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
I have held an FHA mortgage with Wells Fargo since XX/XX/XXXX, loan number XXXX. I have owned this home since XX/XX/XXXX.  Never before had I missed a mortgage payment with Wells Fargo, or my previous loan processor despite significant financial hardship incurred during XX/XX/XXXX-XX/XX/XXXX due to losing my job in the financial industry. In XX/XX/XXXX, I inquired about a modified payment plan on my mortgage ending in XXXX in order to help me stay afloat. Wells Fargo informed me they did have a 6 month plan where I could reduce my monthly mortgage payments from {$1100.00} down to {$320.00}. Not once during the process was i informed of the need to complete a loan modification at the end of the 6 month period. I was approved for this plan, and began making reduced payments on XX/XX/XXXX. Not once did I miss a scheduled mortgage payment during this period. Nor did I receive regular monthly statements informing me of what was going on with my loan. At the end of the six month period, I received a notice of foreclosure on my property unless I paid an overdue balance of {$8100.00}. This was, of course, a severe shock to me as nowhere was this ever disclosed. After speaking to Wells Fargo on multiple occasions, I was informed that none of my 6 {$320.00} payments were applied to my loan, they were held in an " un-applied funds '' state. They informed me I had three options, pay the overdue balance, apply for a loan modification, or lose my home. Seeing no other choice, I applied and went through the loan modification process. At the end of which, after supplying tremendous amounts of documentation to WFHM, I was declined as they determined I did not have sufficient ability to repay my loan, despite having a full time job earning a reasonable salary. At this point I either had to come up with {$8100.00} or lose my home that I had built a significant amount of equity in. I was able to scramble to pay the overdue balance by borrowing funds from family, however, to add insult to injury, I later found out that Wells Fargo had reported me as 180 days delinquent on my home mortgage, despite having made every scheduled payment on time. I contacted Wells Fargo multiple times, and even wrote a letter to the executive escalations team to have these late payments removed from my credit and a refund of any fees that were assessed to me from the 6 month modified payment plan, however I never received any resolution. Due to the late mortgage payments reported to my credit, my wife and I experienced severe hardship as we were unable to purchase a home for many years after the fact due to the damage to my credit that was unjustly done by Wells Fargo. I have always felt this was a blatant fraudulent attempt to seize my property through shady mortgage tactics, offering hope to someone experiencing financial hardship only to step in at the last moment to take my property under the guise of foreclosure.
I requested a reduction in my mortgage interest rate about two years ago as I was paying and still paying 6.875 %. My mortgage was initially with XXXX XXXX XXXX in XX/XX/XXXX. 
The mortgage was switched to Nationstar around XX/XX/XXXX. This was done without my agreement. I have tried on several occasions to re finance my mortgage to a lower rate. In addition I have been invited by Nationstar to contact them regarding refinancing. On each occasion my request was rejected on the grounds that I did not possess a SSN. In addition I was prevented from gaining access to my account as I did not have a SSN. I reported the problem to a number of SSN on line managers and on each occasion I was told that new restrictions in the law prevented them from assisting me. I have tried to get accesss to their senior management and to no avail. I understand this company is a debt collector and as I have never faltered on my payments to XXXX initially nor to Nationstar as I have sufficient earnings to pay my monthly sum. I am at a loss as to why I do not have a right to gaining a lower rate. My credit ration is excellent and I have sufficient liquidity in the mortgaged condo to ensure I offer no risk to my creditors. In addition Please can you assist me.