WillisBack/dataset-financial-user-claim huggingface dataset:
I purchase d an American Express Gift c ard on  XXXX   XXXX ,    2017  ... in the amount of  XXXX . My daughter lost the card, on the  XXXX  of  XXXX . I immediately called on the  XXXX  to have it deactivated. On the  XXXX  of  XXXX  ... I faxed over documents such as, my drivers license and the original receipt of purchase to the company, so that I could get a replacement card ... . XXXX   XXXX  ... a letter was mailed by the company to my physical address stating that the items sent by  XXXX  were n't clear ... .I complied by sending in another set of documents  XXXX   XXXX , Just to be told by  one  of there reps ... ..the documents I sent in a second time were also blurry. The information sent in was to verify my physical address ... However, the company should n't need anymore proof of residency, if I responded to the letter mailed by there company to my physical address via phone call/ fax. I feel my giftcard should 've been replaced immediately. I feel as if, I 'm being given a run around. I really want to file a class action suit on behalf of any consumers, who have been ripped off by there company.
Signed up the XXXX XXXX Credit Card issued by Synchrony Bank. The signup offer listed XXXX points after {$3000.00} spent in the first 90 days. I have since completed the required spend on the card but have only received XXXX points instead of the XXXX listed.
This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?
I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to my credit file.
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX XXXX   {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXXXXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Set up a automatic payment program with XXXX. Made no changes on my part. Mid stream the changed. It appears they used an outside source - caller ID not provided - first question is my full SS. Communications broke down on their change. Repeatedly told them to take payment. They did no, .have contacted bank to no avail. The impact is a XXXX point problem on my credit rating. Never changed anything on my part Same accounts to withdraw from. I seem to be caught in a procedural issue.
I received a letter from XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.
I am dealing with two promises XXXX is not keeping : CASE 1 ) I 've referred a friend through Text message on XX/XX/XXXX, their system for some reason has missed it and they seem not to accept that it their fault. In other words, they promised rewards if I refer people to XXXX XXXXnd are not paying the rewards they promise to everyone who refers people to XXXX I 've inquired about it in XXXX via XXXX, failed to complete. Then on XX/XX/XXXX I 've filed another inquiry " XXXX '' which did not end yet besides their 6 to 8 weeks promise. CASE 2 ) In XX/XX/XXXX American Express has sent me an offer according to which if I add four authorized users and they spend {$250.00} ( each ) within the first 3 months, I will get {$25.00} statement credit for each 4 cards. All requirements were met within a month and I 've received {$25.00} for only one out of four cards. Ever since then, I 've opened two inquiries/cases : 1. XXXX ( XX/XX/XXXX ) and 2. XXXX ( XX/XX/XXXX ). -Do not delete the case numbers please as I want American Express to be aware of this complaint since they are not connecting me with any Executive Office team to complain. -Both cases were closed without any resolution in my favor. American Express is not even providing the reasoning of their decision or what was it based on. -I 've contacted them so many times that I am sick of even their lies and misleading statements. Almost at all times I 've spoken to them, I 've not gotten the same answer. Everybody has given me a different answer regarding these offers. Conclusion : They have failed to provide what they have promised ; Their offers on both of my cases were definitely misleading and inappropriately handled. The whole experience is taking forever and getting worse and worse every time I talk to them. I will not stop until this reaches any institution that should protect customers from misleading offers, lies and this horrible, irresponsible treatment.
In XXXX XXXX I returned a rental vehicle to XXXX at XXXX XXXX in XXXX, Virginia. The signs at this location are very poorly marked. Additionally, it was the end of the day and some of the " standing '' signs were being moved, causing additional confusion. I mistakenly drove over the spikes which damaged all XXXX tires on the rental vehicle. I took pictures of the signs at the location and I have been trying to discuss this problem, as well as present the pictures to someone who understands the dangerous driving conditions and will acknowledge that XXXX caused the damage. 

I have received several phone calls and letters from Viking Client Services who will only state things such as " this is a debt '' and " you are responsible for paying. '' Although I always request to speak to someone else and to do whatever is necessary to get this problem transferred to someone who can understand what really happened, I just receive more collection requests, similar to the attached letter.
XXXX XXXX had illegal obtain my information without consent in an effort to exort money out of me by walking around in the neighborhood signing people of for service without their knowledge or approval. I found out in 2017 from the Student loan department about the debt. I had a police report due to someon stealing my identity. I filed with Experian on numerous counts with this police report but, experian rep 's have intentionally and knowingly fabicate to me about filing such dispute than a rep by XXXX threaten to send to all bureaus about XXXX because I continue to file the dispute. I told her she is violating my rights and so is Experian by continuing to report the information intentionally and knowingly this account is a fraud by police report but, Experian system will not allow me to download Police report and response by sending to their XXXX XXXX which, they claim they never get. I have asked Experian to remove this from by credit but, they are aware that this is a SCAM by XXXX and refuses to remove this off my credit report. My credit is good this is the only negative thing on my credit. I am not a Debtor. I pay my bills which, my history provides evidences that my debt are paid to full balance on time. Experian continues to violate by RIGHT BY NOT REMOVING THIS SCAM ACCOUNT OFF MY RECORD -- Attached a Copy of the police report and I will also be filing with another federal office on Experian
XXXX XXXX XXXX Was sent a debt verification letter in return they only sent a billing statement .Under the FCRA 15 U.S.C. 1681I. All  unverified account must be probably deleted
Over the past 10 years of home ownership my wife and I have had a mortgage with at least XXXX different lenders due to our mortgage being sold or refinanced. We have stayed in the same home in that time frame but have continually paid more than the minimum payment required with the goal in mind to pay more principle off our mortgage putting ourselves in a better financial position for future financial goals. Starting in XX/XX/2016, our current mortgage company, applied the overage of the payment we made as a credit to the following month 's payment of interest and escrow instead of applying the overage of the payment to principal for the XX/XX/2016 payment. As a result, our statement showed our payment itemization as 2 principle payments, 2 escrow payments, and 2 interest payments on the single statement in XX/XX/2016. This was very confusing at first because the second interest and escrow payments were not identified separately to show they were payments for the following month. I only discovered that upon calling to inquire about the statement. I realized at that point how important my record of payments was because there was nothing else to prove that I paid extra other than my record. ( the mortgage statement and my banking statement ) I informed the mortgage representative that I always want my overpayment to apply to the principle. The representative informed me that this was not an error on their part but simply a systematic software issue whenever there is a complete double payment on the mortgage. The representative then assured me that the issue was resolved and would not happen again. I was satisfied with the end of the conversation at that point. However, the same issue occurred again in XX/XX/XXXX of last year and 2 additional times after XX/XX/XXXX for a total of 4 times in 13 months. After speaking with at least 9 different representatives of the mortgage company including 2 different supervisors over 13 months, I have concluded that the mortgage company is incapable or unwilling to satisfy my needs as a customer. It seems to me that it should be basic good business practices for a mortgage company to apply all of any current months ' payment to the current month as it is paid in the current month to avoid any conflict. In other words, in my case payment should always apply to that months interest and escrow with all additional payment applying to principle. Applying any payment to any other month should only be done as agreed upon by both parties. My wife and I have never made such an agreement.
When I closed on my mortgage, I had the flood and home owners insurance set up to be paid out of my escrow account and paid accordingly so there would be enough to cover these expenses. My loan was sold to another servicer ( Loan Care ) and they did not pay the insurances when they came due. I sent 2 emails to them getting a computer generated response stating within 5 days somebody would contact me, it did NOT happen either time. I spent nearly an hour talking from person to person trying to get this resolved and finally got hung up on. My insurance agent and I called again, this time we faxed them the necessary paper work proving the insurance was to be paid by the mortgager. Flood insurance was due so I had to pay it out of my pocket, even though there was in excess of {$1000.00} in my escrow account, they still have not paid the homeowners insurance and Iam not sure if I will ever get reimbursed from the money I had to spend, they said they would look into it, but I have not heard from them since. I need some help dealing with these people, I have the XXXX pages of original closing documents I faxed to them and copies of all the emails. Now Iam worried I will have to come up with more money to pay the homeowners ins. it is due to expire soon.
Credit Bureau, Please help. I noticed that the Bankruptcy Docket XXXX is on my credit report and I demand that you remove this public record off of my credit file. I 've written several letter to Transunion about this issue and Transunion have not resolved this matter. Transunion destroying my credit and score due of this error. XXXX and XXXX has already remove the following information. The bankruptcy court does not provide any agency with the debtors Social security number or informing them of bankruptcy filing unless it is specified on your bankruptcy petition. Please completely remove from my credit file. 
According to The FCRA, Section 609 a ( 2 ) I am requesting the following information as proof your company used of process to verify the bankruptcy and if Transunion are unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information such as the following. 
( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information not with a third party source such as XXXX, XXXX or XXXX XXXX. 
Credit Company are not allow to use third party source such as XXXX, XXXXr or XXXX XXXX Transunion when verifying accuracy on consumer Again not disputing the accuracy. Disputing whether Transunion broke the law by verified all information via furnisher, not by third party source such as XXXX, XXXX or XXXX XXXX Transunion hired to collect such information. If so please proof of the information
Equifax held on to information crucial for its customers in order to perform insider trading before the release.
I have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.
I am being constantly harassed and threatened. I often receive numerous phone calls and/or texts in one day. I 've told them to stop. I am enrolled and my loans are in good standing. I 've changed my number 7-8 times because of stalking but I keep getting contacted about student loans on the new numbers. Frequently they use spoofed numbers that are similar to mine. 
I am a good student and my loans are in good standing. 
They are harassing me anyway. I 've had people follow me into restaurants and say threatening things in my earshot. 
They are using illegal means to get my new number which is supposed to be private for my personal physical safety because of the stalker.
For the third time in the past year and a half, I have gotten notices claiming that I have missed a payment on this loan, which I have not. Payments are always made from my bank 's online bill pay system for all of my mortgages, many of which are with this same lender. I have bank records that show that all payments were sent on time and that the lender cashed all of the checks, proving receipt of the payment. They just resolved the last issue in XXXX, and have now put a missed payment on my credit report for yet another issue. I tried calling the lender and they told me that I would have to write yet another dispute letter, which I have already done several times. Payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
-Consistently miscommunicating information about my student -Consistently contacting my cosigner before making contact with me -Falsely reporting information
Rushmore loan payments on my mortgage to XXXX XXXX Rushmore added their own insurance to my account. When it was sold to Rushmore by XXXX XXXX everything was to be the same well my payment went from XXXX to XXXX because this company tacked on a Hazard insurance of {$640.00} and I don't know who authorized it I did not. Looks like this is what kind of business they tend to run as the consumer we need to find a way to put the crooked business out of business account XXXX account XXXX XXXX XXXX I don't know why they also changed name when I have all proof of it with XXXX XXXX and The TIN # assigned by IRS
When I request options for payment plans on the website, it offers me several options such as graduated repayment program, RPAY, etc ... my totals due double up and I would end up owing double of what I owe now. example If I have XXXX left to pay and request to change to new plan my new payment plan would be XXXX total owed and would be owing up until 2029. How is that helping me pay off my loan? I don't think this is fair and yes I am in a higher bracket income but I want to do the right thing and pay this off. How is this fair at all for those of us who worked so hard to get these degrees only to get ripped off and charged higher to request to pay off loans sooner.
Hi there, in XXXX of this year an unknown BK appeared on my Experian credit report that was said to have been filed in XXXX XXXX 5 years later. The claim and liability amount XXXX say 0. 
Please be advised I have asked that Experian remove this error and they have refused and request that I submit documents to support it removal. If I never filed or attempted to file a BK I would not have any paperwork. 
I can not refinance my car loan until the BK is removed. The bank is questioning me because it was never there before .... yes I know this is Experian 's error. Please help!! 

IDENTIFICATION NUMBER XXXX
On  XXXX   XXXX ,    2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  two  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  one  day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I have been sending complaints In for a few years. And yet the issues are still happening as we speak. My score from XXXX was XXXX now I dont have a score. Ive been paying XXXX for months to fix my credit. My score for XXXX keeps dropping. How many more complaints must I send in before someone does something about my issues. All these items hospital bills on my credit with very confidential information. I was denied a advancement because of my credit and all the issues Ive continued to report
Commenity bank will not stop calling day after day about 6 times a day. When I do n't answer them, they start calling from a private number, when I ask who is calling, they will not tell me.
I purchased a laptop from XXXX XXXX XXXX in XX/XX/XXXX. in XX/XX/XXXX the laptop was taken in for service when my screen went blank. I let them know that this was being used for a small side business I had and needed it back asap. they said it would take 2 weeks- 2 months went by and no laptop! I continued making my payments and have always paid more then the amount due. in XX/XX/XXXX ( this year ) I took the laptop back for service because this time the XXXX system came up and I was not able to get into it. When I took it to Conn 's I took it with charger and did give them the ok to wipe out all information if needed because I had saved my information on an external drive. on XX/XX/XXXX I went to pick up my laptop and they tried giving it to me without a charger. I had already signed the receipt because on the very top was a charger but it was not the one that went to my laptop. The charging port was wobbly and loose. I told them that I was not taking it until I had my charger. They literally went around the store trying to find me a charger to fit my laptop which NONE did! The manager XXXX at that store told me he would just have to order me a new charger and to give him until the following Saturday which would have been on XX/XX/XXXX. I went to pick up on XX/XX/XXXX and there was no laptop, no charger and one seem to know where the laptop was. They all went and spoke away from me and told me to call service that they had the laptop. At my arrival at home I called the service number and spoke to an employee who advised me that the work order had been opened on XX/XX/XXXX and that the laptop was still at the store. She double checked in the back and then proceeded to call the store who then told her they did not have the laptop. At this point today ... XX/XX/XXXX I have no laptop and because my side business required me to have a laptop I have since been termed from my business as well. I continue to receive 5,6, and even 7 calls or more a day. I have advised multiple reps to read their notes and that I had let them know- I have no PRODUCT why should I pay for it. On top of all of this I am getting daily financing as well on the account.