WillisBack/dataset-financial-user-claim huggingface dataset:
Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.
I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, Experian and XXXX will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call XXXX and XXXX but I need to buy XXXX credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.
I had a case of credit fraud in 2015 on several accounts and XXXX and XXXX is the only company that will not remove the report from my credit. I have sent them all of the information that I have available and that was not enough for them, but was ample for all other companies.
As of XX/XX/2018 my mortgage was sold from XXXX XXXX to Rushmore LC company. I was out of state made my payment by logging in to system ( XXXX ) and paid XXXX on XX/XX/18. I started to get collection calls from XXXX telling me its a attempt to collect a debit. This Is when I realized My mortgage had been sold. I was told not a problem it will sort itself out all payments will be wired over with my loan information. I returned to GeorgiaXX/XX/XXXX tried to set up and log into Rushmore new lender to make my XX/XX/XXXX payment. System reflected I still owed for XX/XX/XXXX. So I called in was told just make my XX/XX/XXXX payment I did not feel comfortable with that so I went to my XXXX XXXX and mailed money orders writing in the XX/XX/XXXX month in memo. So it was clear what month I was paying for. I continued to do this to date XX/XX/2018 calling in, sending in e mails to be told over and over by Rushmore people or it will fixed it self our research team is on it / I have just escalated your account. Blah blah blah ... .. It is XX/XX/XXXX and I go to log in to pay for XX/XX/2018 payment to see it has still not been fixed. I have sent in my XXXX XXXX statements as proof from my bank in the mean time I have been getting harassing collection calls. I believe it is reporting late payments on my credit reports. I need help on getting this situation fixed. I do not know who to reach out to for help they say they see the payment and yet no one has fixed my account. I also had a homeowners insurance overpayment from XXXX during this time that could have been refunded to me but instead I asked XXXX to go ahead and send it back to my Mortgage lender as a escrow credit. Which I don't believe has been applied properly either in the amount of {$220.00}.
My Bank of America XX/XX/XXXX/XX/XX/XXXX credit card statement contained an unknown charge of {$99.00} from " XXXX XXXX XXXX '' dated XX/XX/2018 with a telephone number XXXX ( NJ ), I had never dealt with that entity. I called the listed number and the person answering refused to identify the entity called, I was told that the entity did not sell merchandise or services but, rather, represented other unidentified firms in collecting charges on credit cards -- ie either a competitor or collaborator of Bank of America. I certainly did not authorize XXXX XXXX XXXX ( or, indeed any one else ) to use my Bank of America credit card. This was plainly a fraudulent transaction. 
To prevent further fraudulent uses of my card, I asked the Bank to cancel the card used by XXXX XXXX XXXX and issue a new card with a new number. The Bank reluctantly honored my request. 
Bank of America advertises its " {$0.00} Liability Guarantee '' in selling its credit card program. " The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your account ''. Notwithstanding several conversations with the Bank 's fraud unit over a period of a number of months, the bank refuses to acknowledge its responsibility under its " {$0.00} Liability Guarantee ''. Rather, it insists that I purchased something from its competitor/collaberator, XXXX XXXX XXXX -- something that XXXX XXXX XXXX denies. 
The Bank today has turned its bogus claim over to credit collection agencies causing irreparable damage to my credit for which I have a claim for {$40000.00}. This will only escalate if the Bank persists. The Bank tries to insulate itself by refusing to allow me to talk to its legal department and by not answering, in a timely manner, calls to its " customer care '' department. It will not allow its employees to discuss anything to do with dispute resolution or to return telephone calls that have been disconnected. 
I demand that the Bank honor its advertised {$0.00} Liability Guarantee, that it repair my credit rating and, that it pay me {$40000.00} for damage to my credit and improper credit card cancellation, XXXX XXXX XXXX
( 1 ) On XXXX XXXX, 2016, I placed an order with a merchant named, XXXX XXXX XXXX XXXX , XXXX ( " Merchant '' ), so that a personal service of process of legal documents could be performed. 
( 2 ) On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX , XXXX informed me via email that they did not receive the order I placed online for the service of process that I requested. 
( 3 ) In a subsequent phone conversation with the merchant, I informed the merchant that, since the order was not received by them, that I wanted to cancel the order. 
( 4 ) Upon cancellation of the order that I placed and after the merchant collected my credit card information, merchant leaves a voice message and informs me that as the order was initiated and that a large number of copies were printed for the service of process, that I was going to be charged for the order even if the service of process was not complete. 
( 5 ) Merchant misinformed me as to whether he received the order that I placed. Merchant collected my credit card information and because the order was canceled after merchant informed me that he did not receive my order, he proceeds to charge me in the amount of {$58.00} for an excessive amount of copies that did not have to be printed as merchant alleges. 
( 6 ) The service of process was not properly being completed by merchant as the original order indicated that the attorneys for the defendants ( a single party ) was to be personally served and consequently the number of copies merchant alleges to have made was not required. 
( 7 ) A second order was previously placed by me in the amount of {$74.00} for which the merchant also had not charged me for. 
( 8 ) On XXXX XXXX, 2016, I inquired via email with merchant to determine why I was n't charged. 
( 9 ) Nevertheless, as merchant fulfilled the terms of this order, I informed merchant to charge my credit card. 
( 10 ) Merchant charged my credit card a total of {$130.00} for both of the orders that I placed, but the amount in {$58.00} was unauthorized.
On XXXX/XXXX/XXXX at approximately XXXX pm I went to XXXX XXXX XXXX ATM. I requested XXXX dollars from my American express sever account. The ATM started processing my request. The machine made sounds of counting the money. And the screen stated " please take your cash '' but no cash was there to take it continue to make the same noises of counting cash and after a minute the machine stated this transaction has been cancelled and no money was given. No receipt was given and the machine went back to the original setting. So I accessed my account via my mobile app to check my balance and it shown the XXXX withdraw. I tried to access my balance using the ATM and it would not give me a balance. I tried accessing another transaction and was not successful. As I was at the machine I called American express and spoke to a representative they filed a dispute of the transaction and told me I would get a second email in approximately 24 to 48 hours requesting additional information. On Monday XXXX/XXXX/XXXX I called the Branch spoke to XXXX the XXXX XXXX who informed me that he could not give me any information concerning the ATM. And I need to file my dispute with my bank ( American Express ). On XXXX/XXXX/XXXX at XXXX pm I received an 2nd email from American express with the dispute form and instruction on responding through an encrypted email. I followed the instructions and responded back to them. On XXXX/XXXX/XXXX at XXXX I received a Email from American express that the completed the review and determined no credit was due. And the ATM provider confirmed the funds were dispensed and if I wanted a copy of the documents that was used I need to contact them ( American express ) I called them on XXXX/XXXX/XXXX at approximately XXXX am. I requested the documents and also requested to reopen my dispute. I never received those documents but they did reopen my dispute. I received the open dispute email on XXXX/XXXX/XXXX at XXXX am. I received an email on XXXX/XXXX/XXXX atXXXX am stating that they are in the process of reviewing my claim and if they need additional information the will contact me. On XXXX/XXXX/XXXX at XXXX stating they completed there investigation of our dispute. But in the email it states that they sent me an email on XXXX/XXXX/XXXX and we requested additional information within a specified time frame and you did not submit it and they need additional time to complete their investigation which can take up to an additional 30 days. I called American Express spoke to a representative and he explained nothing just that he was documenting all of this and would be sending this to the dispute team via email. I requested once again for the documents showing I got the money. He stated he would make the request also. He also stated that my dispute was still open.
On 6 different occasions CitiBank had contacted me by mail, or through their website when I login asking for information for their " Know Your Client '' initative. I have provided the same information over and over to them. I have been to my local branch working with their representative to solve the issue as well with no avail. As of XX/XX/XXXX they indicated that if I don't provide additional information they would freeze my account. 

Being very frustrated, I still decided to contact them again and provide the same information over. the representative who was offshore assured me that they have all the information they need and nothing else was needed. Thursday, XX/XX/XXXX Logged into my account to see all 3 of my accounts have been frozen. I can't pay my bills, I can't wire money to may account which causes an issue since many of the creditors I pay have ACH setup. 

I went back to the branch again and the the representative XXXX XXXX apologized and made every attempt to resolve the issue by making phone calls internally. She indicated this could take hours and that she would call me back. I got an email form the VP of the Branch XXXX XXXX XXXX on Friday saying that he was working on the issue. 

I even called the XXXX # and connected with the representative that would not allow me to speak to a supervisor. I got hung up on and called again and connected with a Supervisor who said they needed a copy of my driver 's license which I emailed to them immediately and got a confirmation. I was told that someone would call me on Friday to give me an update or to let me know when my account was unfrozen. As of right now no one has called me, my account is still frozen. I have bills that I am unable to pay including a mortgage. 

I have been a client of CitiBank since XXXX they are the only bank I use for my personal banking, I have 3 account with them all my income, and expenses is processed though their account.
continuously calling relatives and harassing them about an old car that I owe that have already been paid off.
The complaint for AMERICAN EXPRESS company with my American Express XXXX XXXX XXXX Credit Card. I have issued with this company because part of my reward is missing. I applied this card on XXXX XXXX and got approved on XXXX XXXX, XXXX. On that time, the Amex company offer that card with " Earn up to XXXX bonus Starpoints Offer ends XXXX/XXXX/XXXX. As with the consumer card, you would earn the XXXX points in two stages : XXXX after you use the card to make {$5000.00} in purchases within the first three months, and an extra XXXX after you make an additional {$3000.00} in purchases within the first six months. '' I met the purchased requirement on the first month I opened this card ( used {$5000.00} in first month ), however I only got XXXX star points until right now. I talked with American Express customers ' representative many times, different people gave me different answers. They mentioned me different people have different card offer, so they open the investigation for me on end of XXXX. On last time I chatted with one customer representative ( either XXXX or XXXX, I can not remember right now ), he confirmed I am in the " XXXX '' offer list, another XXXX points will be released end of XXXX. Right now, is XXXX XXXX, XXXX, I still did not receive the another XXXX points. I called them today, their answers are totally different than last time. They told me I am on the XXXX points lists, different people have different offer. 
However, I am 100 % confirmed when I applied this card, my offer is XXXX points. After searching all the other websites, I confirmed the offer expired on XXXX XXXX. Right now, American Express Company removed all the XXXX points offer information on its website, but if you google '' AMEX SPG XXXX '', you can find many websites have the offer information. The card is not selected customers card, it opened to public who want to apply. 
( I listed some websites who have this offer information : https : XXXX https : XXXX http : XXXX ) The company right now do not want to give me another XXXX points. They made the distinction between me and other applicants. I want you guys can solve this issue for me. I am the customers of Amex, I want this company to treat me fairly. If necessary, I can provide all the information about my card, offer and any other if you guys need. Thanks for the help. I will wait for the reply from you guys.
On XX/XX/18, I signed up for an account with Citibank for a {$400.00} bonus when I deposited {$15000.00} within 30 days and kept the amount for an extra 60 days. I did all of that yet have not received the bonus as of XX/XX/18. I contacted them three times, opened a case on XX/XX/XXXX yet have received no form of communication regarding its status, despite being told it would take 14 business days. I then called XX/XX/18 and their customer service rep said that no supervisors were available, put me on hold for 26 minutes combined, and was then told that no one could help me. This is unacceptable and I deserve the bonus to which I signed up for and met all the terms and conditions.
First part of XXXX I tried disputing info on my Transunion credit report. 
2 new accounts and 5 old accounts. 

I have the paid service they offer that provides my credit info, reports and score ect. 

Nowhere on that site is there a place for disputes, I found the online site for Transunion online disputes. I tried to logged in but after being redirected several times I came to the final page, this saying that my account was temporarily XXXX, call their tollfree number for assistance. 

I did and have multiple times over the last 45 days. Each time the person employed by Transunion telling me that due to someone ( me? ) reporting fraud several years ago, for my protection they had frozen my account. 

I 've no idea what they are talking about, I do remember several years ago my computers, phones, all electronics were hacked, information stolen, ip address had even been taken? Had several accounts opened back up, it was a nightmare. 
They are insinuating it was me who made this call several years ago because it was around that time this other taking place, if I did I do n't remember it, even if it was I who made the call. 
Their reaction, answers, unable to or rat her * unwillingness to fix the problem makes absolutely no sense to me. 

I 've been told everytime I 've called for their help ( as instructed by their website ) they could n't grant me access to MY account because they were protecting ME from a fraud report made by someone else ( again I believe they are accusing me of making the report ) Which even if I did, after everything the hacking from XXXX cost me, calling them would make sense but I do not remember calling them. 
XXXX around here us XXXX. 

They say due to that report years ago, by someone else, my ability to use the Transunion online dispute site have been " permanently terminated and can not be restored by anyone ever again '' This answer has been given to me everytime I call ( more than 4 times ) in last 45 days. 
3 weeks ago I called Transunion, after talking with the first lady she 'd convinced me I was talking with someone else, it was n't even Transunion I had called because her answers to my questions sounded so absurd. 
I was transferred to three different people, placed on hold for over a half hour two different times, I believe in effort to have me hang up the phone. 
I did n't hang up but to say I was frustrated, this whole credit reporting process has been nothing but a frustrating experience to say the least. 

Between Transunion and XXXX I spend over {$45.00} each month for the worst possible service money can buy. 
I 've had the XXXX service since XXXX, spent thousands with them. 

I refuse to believe MY access to MY credit report not only ca n't be fixed but has been permanently revoked due to the action of another Individual, all in the effort to protect ME? 

I ca n't believe that, that 's absolutely ridiculous. 

************************************* Anyone doubting this or that it happened, I 've got Call-X and XXXX recording apps on my cell phones and can play back the conversation!! 
**************************************
I have made several attempts to remove unauthorized inquiries from my TransUnion Credit report. They had several different name profiles on my credit report that do not belong to me. I have called several times to have these removed. With previous fraud alerts on my credit report, they are still refusing to remove my inquiries. The Following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX
I keep getting mail like today XX/XX/2018 from a debt collection agency when i already told them i dont even owe this debt that i receive from a company called XXXX. I keep getting these mail from this company saying i owe XXXX dollars little outrages.
I have tried to work this out for many years this loan is my second mortgage, but we have been trying to work with Ocwen Loan Servicing our Second Loan. 

Ocwen has put our home in foreclosure with a sale date. We have a first mortgage this loan is in second position. 

They want us to pay them as of XXXX XXXX the payments they wanted in a lump sum of {$290000.00} This second mortgage is constantly putting us in foreclosure. We really need your help. 

They will not work with us. They will not give us a workout for this loan or modification. 

This second mortgage is subject to our first mortgage with XXXX XXXX.
Coinbase, a popular virtual currency wallet, is advertising that their wallets are insured by the FDIC. By my understanding, this is factually inaccurate and misleading to potential cryptocurrency investors. 

Link to the page where this is stated XXXX XXXX XXXX XXXXXXXX Quote in question : " If you are a United States resident , your Coinbase USD Wallet is covered by FDIC insurance, up to a maximum of {$250000.00}. ''
I paid off the entire balance of my credit card on XX/XX/2018. On XX/XX/18, I was charged {$11.00}. 

When I attempted to dispute this charge online, their system did not allow this because the link that they stated to click was not there. We are now trying to get them to credit us this amount, by phone. What is misleading and irritating is that they make consumers think that there is an easy means to dispute a claim, but in actuality, there is not. 


CloseDispute a purchase? 
Click the plus icon next to the purchase you need to dispute. 
Then click the File a Dispute link. -- NO LINK
I tried to make a purchase, my card was declined when I called I was told that my card was charged for the purchase and charged several times for the purchase and they refused to refund the money, they also refused to check all previous transactions to check if they have charged me several times on other transactions.
My name is XXXX XXXX. I was XXXX aware of the CFPB and DOJ 's Resolution effective XXXX/XXXX/XXXX. As a XXXX women who have purchased XXXX vehicles from XXXX since XX/XX/XXXX, I am concerned that I may have been affected the discriminination. I contact Toyota Financial Services today, and was directed to their Fair Lending Website instead of giving me information about the discriminatory pricing policies. I 've been paying $ XXXX-XXXX amount in car notes since XX/XX/XXXX, and would like for someone to assist me to make sure that I was not directly affected by this discrimination practice.
XXXX Closed my account and I tried to resolve issue its been more than 7 years .Sprint has NON ETHICAL business practices. 

XXXX XXXX Last reported : XX/XX/XXXX {$300.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$300.00} Highest Balance {$300.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX  N/A Equifax : XXXX, XXXX XXXX:XXXX, XXXX XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX  Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX.
Went to buy car. Learned I had bad credit. Bankruptcy on my report. BK of same name, different social security number. Only Experian contains error, other XXXX bureaus clean. Provided my IDs to bank. Bank wrote letter I sent to Experian. went to BK court. Pulled BK in question, not my SSN, judge signed and court sealed documents sent to Experian. Experian sent a letter back to me they will remove BK at end of 10 years. Bank gave me car loan at terribly inflated rate. Credit report still wrong. No recourse. All online info does n't answer this.
I received a letter on XX/XX/2017 alleging I had an unpaid tax balance in the state of Maryland. I have never lived or worked in the state of Maryland, and have only been there once to visit XXXX XXXX as a tourist. After submitting a letter requesting more information and disputing the debt, I received a letter supposedly from the Comptroller of Maryland stating that the balance due was based on information provided by the IRS stating that I filed a Federal return using a Maryland address. However, they could not find a Maryland return processed. I have never filed a federal tax return, because I live, study and work in XXXX. This information is clearly wrong.
I noticed an account open on XX/XX/2018and It was not possible for me to open an account because I was in XXXX XXXX with the police as I was getting away from my ex partner and a victim of XXXX XXXX. I was also in the hospital as well. I believe he stole my information and repeatedly tried to open fraudulent accounts