WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I received a notice informing me of a possible error concerning my enrollment in an " optional debt protection program offered by Department Stores Nation Bank '' concerning my account ending in XXXX along with reference number XXXX I DO NOT HAVE ANY CREDIT CARDS OPEN AT THIS TIME I called citi bank. The representative checked my name and social & informed me there were no citi bank cards open under that name & ID number. A flag was placed on my name with citi bank. She then informed me that Department Stores National Bank could be ANY VARIETY OF STORE CREDIT CARDS. 

The only help she could offer was for me to individually call all the possible stores & file complaints. There is not even a list of what possible store cards this could be. 

I DID NOT OPEN ANY CARD. PLEASE CLOSE THIS ACCOUNT AND FLAG MY CREDIT WITH A FREEZE. 

Sincerely, XXXX XXXX
I requested validation of a debt I do not believe is mine from Choice Recovery Inc. I was never sent proper validation and I believe this negative mark is false and damaging my report.
Someone I do n't know wrote XXXX checks and practically emptied my checking account with Chase Bank ( the XXXX checks totaled {$4700.00} ). My checkbook was not stolen or lost. And the XXXX checks written fraudulently have numbers of checks I have blank and in my possession. 
I 've had the same account number for more than 35 years, never a problem. 
I reported the problem to Chase the same day they sent me a warning text about my account being low ( XXXX XXXX, 2016 ) and they said they had up to 30 business days to investigate. They have not kept me informed of the progress of this claim even though I 've called them numerous times to check on it. And they have blocked access to my account on line, so I can not longer review any information ( I closed the account, but still need access to activities prior to it ). 
I have reported the theft to the police, and Chase promised an escalation when I told them this. But yet I have learned nothing about my money. 
I 'm a XXXX. I need my money back! Almost {$5000.00} is not small change! 
The bank victimized me twice already, first by accepting and cashing XXXX fraudulent checks ( my signnture is fake, a close look to recent checks would 've told the teller that ), and then by making me wait for months for a yet unknown resolution.
I was contacted by Student Services ( XXXX XXXX, CA XXXX XXXX www.StudentServices.help, back in XX/XX/XXXX. They were telling me that if I started making payments to them instead of XXXX, that they would continue to make payments on behalf of me and I would be a part of a program that essentially lets me make payments based on my income for 10 years, and after that, anything that 's left over, gets written off. It seemed sort of suspicious to me at the time, but I was doing okay financially and continued making payments to XXXX and Student Services with the thought that I would pay down my principal. After about two years of making payments, I became " unqualified '' because I no longer have an income, so I stopped making payments to Student Services and continued with XXXX ... after some time, I thought I better make sure that these payments I made, actually went towards my XXXX. It turns out the funds were never applied. I 've been in contact with a gentlemen at Student Services who is willing to give me a partial credit of {$1700.00} but not the full amount I paid overtime ( {$3500.00} ). I have a history of e-mails from these people, I have contact with someone still, and I have additional records. I would like to get everything I paid them returned and I would like them to be noticed as a fraudulent company. So my problem is not with Government loans, but a company pretending to work with the Government and stealing money from college graduates just trying to pay back their student loans.
This company takes advantage of people through fast talking and minimal disclosures. I signed for this loan unaware of the total cost. The interest rate on the loan is 689 % which is illegal. 

I took out the loan for {$800.00} on XX/XX/XXXX and after {$1300.00} in payments, I called to pay off the loan on XX/XX/XXXX and the amount owed was {$680.00}. They had charged {$1200.00} in interest during 4 months. 

I called to pay off and they initially tried to make me wait 4 days so they could charge more interest, I told them no and to process ASAP to stop the interest. Then they told me that I had to pay with the account on file and if I wanted to change it would take a few more days ( more interest ). I requested a supervisor and then they transferred to me to another dept to make that payment by credit card. 

The rep advised that there may be foreign transaction fees for processing a card to which I advised that was not acceptable. Why do they have foreign transaction fees if their location is in Michigan and they are taking advantage of " Tribal Laws '' to bypass usury laws. 

This company and most of the people were XXXX XXXX - not XXXX XXXX. They are scammers, please help. 

Big Picture Loans is a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX, a wholly owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the Tribe, and operates in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulatory Code, which can be found here : Tribal Consumer Financial Services Regulatory Code.pdf.
Hello, I received email with advertisement showed Premier Rewards Gold Card from American Express with Bonus offer : Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 

Premier Rewards Gold Card from American Express Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases. 
No Foreign Transaction Fees. 
{$100.00} Airline Fee Credit. Up to {$100.00} a calendar year for baggage fees at one airline. 
Get a {$75.00} hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/XXXX. 
{$0.00} Intro Annual Fee for the 1st year, then {$190.00}. 
Expanding merchant acceptance : Over 1 million more places in the U.S. started accepting American Express Cards in the last year. 
Terms Apply. 

When I went over American Express Premier Rewards Gold Card Cardmember Agreement, I did not found any restriction regarding XXXX bonus points. 
I normally call to Credit Cards offices to make sure I have all information. 
I called to customer service and asked if they have any restriction for me to apply.. 
Amex representative placed me on hold and a few minutes later reply that I am OK to apply for card with bonus and she can do this over phone. I said that I will proceed online to see result. 
I was approved and spent {$2000.00} within next 90 days. I waited for XXXX bonus points, but 4 weeks later got nothing. My call to Amex got me nothing. Representative said to wait more. I waited to complete billing cycle and still the same result. This time, when I called, Representative made a quick research and told me that I had this card before and not qualified for Bonus. 
When I told her about info from her co-worker 3 month ago, she agreed that it was card with different bonuses, term and condition, and as she remember it was not lifetime restriction on bonus at that time. She said it may be a reason for Representative to reply to me the way it was done : You did not have this card. 
I made inquiry to Higher tier to resolve my issue, however on XX/XX/2018 phone conversation with XXXX bring no result. She apologized for misleading information from her co-worker, but could not bypass Offer Term. She promised to report issue to corporate office for future. 
If trained employee could not explain written policy the same way, how regular customer can do that? 
In my opinion, Bonus of XXXX points have to apply to my account and term and condition should be written the way it not being Confusing or misleading advertising about the credit card. 
Thank you.
Service was completed in XXXX XXXX. I received a letter from the debt collection agency while I was out of the country end of XXXX XXXX, but the date on the letter was prior to me even receiving the statement from the medical office. I received the statement from XXXX XXXX on XXXX XXXX, XXXX, I paid the bill on XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX after I received a voicemail from the debt collection agency. They confirmed that this bill was never submitted to a collection agency and they showed I had paid all outstanding balances. I requested they send me a paid statement, which I can provide.
Unknown caller ID # calling, an " investigator '' calling ; she said was from the Eastbrook Group and made it sound like it was a legal case and if I did n't call her back in 72 hours I would forfeit " the legal remedies '' ... The call back # XXXX.
In 2008 I got behind on mortgage. After a long time XXXX XXXX foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. XXXX XXXX is coming after me for the difference.
I was informed by   XXXX   college that they would be able to secure a job for me after completing their program despite that fact that I had  XXXX . I informed them prior to enrolling, in   XXXX   XXXX  < that I had a   XXXX   and they informed me that would not be an issue. Since completion of the program in   XXXX   XXXX  , I have not been able to secure a job. The original loan provider was Genesis. They were closed down by the government due to misrepresentation. The loan was then transferred to   XXXX   XXXX   XXXX  . I was informed that students who attended between  XXXX  and your loan was fraudulently provided, they were to be forgiven. This has not taken place. The collections department has called repeatedly for payment. I have been paying on the loan since  XXXX . Since the government closed Genesis due to fraud,   XXXX   XXXX   XXXX   should not continue collection.
XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.
I originally signed up for the service in XX/XX/XXXX, right away I could not get into the system to authenticate my account. I called the customer service numerous of times, to have this corrected. I called XX/XX/XXXX to have the service canceled. The rep stated that I wasnt charged for XX/XX/XXXX and there shouldnt be an issue. I noticed XX/XX/XXXX that I had not received my refund back and tried to contact them again. I sent numerous of emails through their site, trying to get this issue resolved. When I finally got through, the customer service rep had me on hold for an hour and 40 min only to be transferred and hung up on. I recently notice that I have been getting charged XXXX once a month, but when I call could never get ahold of anyone. I finally get in contact with someone XX/XX/XXXX regarding my refund. I spoke with XXXX, she is supposedly the only floor supervisor in the company. First, she stated the company does not refund money, I told her my issue and she stated that they will refund me one month, I then demanded that I receive a full refund because I canceled in XX/XX/XXXX and the funds were still being taken out of my account. Besides that, their system does not work, I was supposed to be able to use their site to view my credit report. She stated that she will refund me three months and that she could not see XX/XX/XXXX. I stated there should be someone there that can see XX/XX/XXXX and there should also be a way for them to look at my account and see that it could not be used do to their system due to the authentication issue, after about 20 minutes of going back and forth with this lady stated that she could only refund me 90 days back and if I didnt like it I can do the survey and hung up on me. After the survey if you stated that you do not believe you were helped the call is transferred to some that could further help. I was on hold for an additional 20 minutes before I decided to just hang up. I should be refunded a total of {$140.00} because the system never worked, but I only asked for XX/XX/XXXX XX/XX/XXXX {$110.00}, the young lady stated I would only get XXXX and thats all she can do, only to really get an email with a refund of only {$29.00}. The company is scamming consumers out of their money, they are charging for a service that I could never use. I would like my entire refund of {$140.00}, since I was already refunded {$29.00}, I should receive an additional {$110.00}. This company should not be able to conduct business if they can not provide the services they are charging people for.
Company called " Portfolio Recovery '' keeps calling my home, sometimes twice a day ( evening, morning, weekdays, and Sundays ). Says we owe a debt and is requesting money repayment but we do n't owe anything. Calls have persisted for over 6 months. This is obviously a scam and based on the volume of Internet complaints, they are a known-seedy, aggressive " business. '' They use different phone numbers ( e.g., XXXX ; XXXX ; XXXX ; and XXXX ) making it difficult to block their number.
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and Equifax, XXXX and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX XXXX
Consumer Portfolio Services has been calling me at work on my cell phone about a loan I have nothing to do with. I did not co-sign the loan or assist in getting the loan in any way. Sometime in the last two years my husband purchased a car which Consumer Portfolio Services apparently financed. My husband lost a high paying job when the economy went bad all of are financial affairs are completely separate. I have not co-signed any loan for him or in any way assisted him in getting that loan. For months Consumer Portfolio has been calling me at work. I work in the XXXX and can not be receiving calls like that at work. I have told them to stop calling me on my cell phone and they wo n't. I have told them to stop calling me during work hours, they wo n't. On XXXX XXXX, 2016 I sent them a certified letter telling them to stop calling me on my cell phone while I 'm at work and that my name was not on that loan. They continue to call me twice a day even after I sent them the certified letter.
I am being charged a debt for a company that I have never had a bank account with. I was contacted on XX/XX/2017 in regards to paying the debt. I asked for verification regarding this debt because the only two banking institutions I have ever had were XXXX and XXXX ( located in XXXX, GA ). I was told by a friendly rep that a dispute claim would be opened and I would receive a call from the agent assigned to my case. It never happened. Under the Fair Credit Reporting Act, I have the right as a consumer to dispute inaccurate information and you must comply and support this inalienable right!
This is a debt for a Visa Card from the XXXX XXXX with a open balance of {$420.00} dollars. 
I contacted them in the effort to settle the account and told them that at the moment I am lay off from my work but I wanted to settle the balance. I told them that at the moment since I am unemployed I can only afford to pay {$200.00} and settle the account. They told me no that the minimum eas {$330.00} dollars.
In XXXX of XXXX. I noticed that on my XXXX XXXX account the loan with XXXX that I Co signed for my son was not showing the last three months of on time payments. XXXX, XXXX and XXXX of XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX. XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted transunion to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager XXXX. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!
Upon switching cell carriers from XXXX to XXXX, I received a notice from Convergent Outsourcing, stating my account was in collection and that I needed to pay the balance right away. I received this notice on the exact same day ( XXXX ) that I received a final bill from XXXX. When I called, the Convergent agent stated my account was in collections. This final bill is less than two weeks old. I feel this is deliberate misrepresentation of the status of the balance owed XXXX, and representative of an attempt to frighten consumers into believing they have been " turned over '' to collections.
My account has only my XXXX XXXX deposits. My account was frozen by the Bank of America, as my daughter told me, for XXXX days. I did nothing wrong. The Bank of America did not contact me. I did not even know that my account was frozen I went to the grocery store to buy food and my card was rejected in front of everyone. I could not buy food to eat. 
I am almost XXXX XXXX XXXX, and this is wrong what the Bank of America did to me. Why did you freeze my account? Will you do it again? My XXXX is barely enough for me to live on, and I could not buy food. I am nervous and afraid to have this happen again. Why did you freeze my account? 

Please answer me.
For months we have been given the run around with being double charged for student loans we paid off through XXXX. Navient calls daily with the same demand for us to pay student loans that have already been paid. ( FRUSTRATED ) On XX/XX/2016 I paid XXXX {$28000.00}. 
Navient has duplicated my student loans somehow. 
They have double charge me. Navient is showing XXXX separate accounts for me. 
We have paid these loans off. ( with the exception of roughly {$350.00} dollars ) Could you please help me as it is adversely effecting my credit score and causing my family and I an incredible amount of stress! We are trying to buy a home and these credit dings are preventing us. 
Please feel free to contact my wife or I. 
Thank you in advance for your help!
I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.