WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notification from XXXX  that I had an account in collections in the amount of {$200.00} from creditor XXXX XXXX XXXX XXXX. This was being handled by a collections company called Midwest Recovery Systems. 

I have no such account, never heard of XXXX XXXX XXXX XXXX, do not EVER use pay day loan services, received no notification from Midwest by phone, email or mail that an account was in collections. 

I suspect my information was bought or stolen. Some research online revealed that this is a common complaint with Midwest Recovery. How was this information not validated before this was placed on my credit report? 

This is complete and total fraud and identity theft. I want this collection charge removed from my credit report immediately and I want written notification from Midwest that my information will not be used for fraudulent purposes again.
I opened up a XXXX XXXX account in order to get a XXXX XXXX Amex credit card. I then got it. 

My XXXX XXXX account was closed. 
Amex let me know I have until XX/XX/XXXX to open a new account or my amex card will be closed. 

In XX/XX/XXXX I opened a new XXXX XXXX account. 

Still Amex closed mt credit card on XX/XX/XXXX and blamed it on XXXX XXXX. 

I called XXXX XXXX they said it was Amex decision. 

Fact is someone is lying and acted against their own terms and conditions.
I lost my XXXX XXXX I called Key bank credit card to inform them, I then asked to speak to someone in the hardship department. I missed an XXXX 2016 payment, In XXXX I called them they said to send in XXXX, I still asked to speak to someone in the hardship program they said I had 60 days to pay XXXX, when I called back they said I was misinformed. I am speaking to representatives from XXXX who would not even give me the address to the hardship program. I have been sending in payments and they refuse to work with me and continue to add on late fees and higher min payments I am sick and still disable with out any income other then my children helping me stay on track but the refused to help when all my other credit cards have.
I do n't know since when American Express has such a horrible customer service, even the supervisor was terrible. I was told that American Express does n't need to be responsible for what their employee told their customers. If that 's the case, then there is no need for anyone who is from American Express and will resolve this case to read the followings. 
Here is the issue. I applied for an American Express Business Platinum card XX/XX/XXXX. I called to apply for that as I 'm not sure if I 'm eligible for the sign up bonus, which was XXXX points after {$20000.00} spending in three months. The representative told me that I 'm totally qualified for the bonus, therefore I applied and got approved. After I received the card and before I started to spend any money on the card, I called to confirm that I will receive the bonus after I spend that much, I got an affirmed answer. That call has a reference ID : XXXX. I would like to ask you to check that voice record. So XXXX American Express employee told me the same thing, I did n't expect the following to happen. After I spent {$20000.00} on my card for my business, I call to inquiry about the points, I was told I 'm not eligible. The first agent told me that I can only get bonus once lifetime. I ca n't believe that an American Express agent is so incompetent to not know their own rule. It 's not a personal card, but business card which is not subject to that same rule. So I asked to speak to a supervisor, that 's when the even more horrible thing happened. The supervisor told me that the previous XXXX agents were wrong ( in a matter of fact, all agents that I talked to were wrong, since the third agent was wrong about business card bonus rule ). She simply told me that I was not eligible for bonus, because I had card 12 days from one year before. She told me the previous agents were wrong, but she is not going to do anything about it. It seems to me that she does n't care about the customer at all! I asked to speak to her manager, she asked me to hold and she will transfer me. But after I hold for 10 minutes, she hang up on me and never call back. I have n't heard anything from American Express since.
I called XXXX and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
On XXXX I purchased airline tickets from XXXX. It was myself, my wife, and XXXXyear old son. 

I traveled XXXX for two weeks in XXXX. None of my bags made it. The crucial piece of this my XXXXyear old baby 's bag was not available that had all his food and formula putting him at risk. XXXX being a XXXX, one has to be cautious with the foods. Also, my son requires special diapers that are organic and natural that were not available. He had just come off of a XXXX due to bad diapers. 

I contacted XXXX multiple times by phone and they were of no help. I emailed a formal complaint and no response. They just kept deferring me to the airport and they did not lose my luggage. I finally got my bags three days before the end of my trip. 

The airline breached their contract as one was entered into with them when I purchased the tickets and they did not deliver. They also but my baby boy at risk. I filed a formal complaint with the XXXX and they agree that I have standing here. 

I am demanding full credit back for the three charges described in the complaint immediately. My case # with the XXXX is XXXX for your reference. 

Per XXXX guidance, I paid for a service and did not receive the service. Wells Fargo is refusing to dispute the charge.
This loan was included in a 2009 bankruptcy under XXXX and now under Navient they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
The following items are listed on my Equifax credit report erroneously : Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual Remarks : Equifax Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual
I have requested a credit limit increase last month and never received any documentation regarding the decision. I called today to figure out why I havent been notified. I was transferred around at least 4 times before getting an answer. The representative stated the letters was never pushed through per recorded phone call. He stated I have a technicality as to why nothing has happened. He gave me a hint and stated the reason I have not got a credit limit increase is because of my Identity Theft Alert on my credit that is placed for 90 days. Even though i still should of been notified. I was then put back in the que and got a Manager on Duty XXXX. I explained to her that there is a Identity alert and the protocol is to call me at the number on file before granting credit to verify it is me. I have not been ntofied and Victoria secret is not following proper protocols regarding limit increases and I will take this matter to legal if needed. Victoria secret is lying about the letters that was supposed to be sent out. If legal action is taken, the post office can confirm nothing was handled by them to get delivered to my address.
On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX. 
A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account. 
Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report. 
That lead me to dig up all my papers and look into whats going on. 
This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer. 
How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again. 

I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.
Hi I placed an order online doing shopping I dont shop in person because I am disable, online is much easier for me I placed an order online with a website called XXXX I paid overnight shipping ( XXXX business ) days. I never received my merchandise, So I contacted American Express serve customer service spoke with XXXX explained what had occurred with not reiving what I had paid for that I have contacted the company ( yandy ) no response I was told due to company policy I have to wait 7 days even though I had paid for over night shipping .Once the 7 days expired I called back and my issue was still not resolved I submitted the proper documentations and receipts called back today to check on everything I havent really got an answer very upset they havent provided me with a provisional credit or anything I feel like my money was taking from me in company terms and policy states I am protected but from the looks of the situation I am not very heartbreaking.
I sent out a letter asking for this company to verify that this was my loan by verifying my signature and they have not done so. This is not my loan nor my account, but yet they claim it is. I have asked twice now that they prove that it is, and they still have not. Instead they sent out a first letter or had another creditor send out a letter stating that they bought the loan then they sent out two letters to me stating that it was my loan. I need help getting them off my credit report.
Hello- I graduate XXXX with {$150000.00} in student loan debt in XXXX. {$110000.00} of that in federal student loan debt. I went straight to work for a non-profit hospital. I have worked at a non-profit hospital since my graduation 6 years ago. In XXXX I called Navient to look into the Public Service Forgiveness program, but was told because I was a XXXX and make good money I did not qualify. Many pharmacists that I work with were told the same thing. I had my federal loans go into forbarence because the $ XXXX payment was too much for a single girl living alone in a city to afford. Not until 2 years later did it come to my attention that the Navient representative in XXXX gave me bad information. I have now completed the paperwork for the Public Service Forgiveness program ; however despite having my employer sign the paperwork, the agency asked for my XXXX for review. I still have not been accepted into the program. I should have been given information on this program YEARS ago. I should be easily accepted now. But neither of these things are true. I believe Navient is to blame. To me they owe me 6 years of student debt forgiveness for steering me away from programs that could have helped me out of debt. This debt is a burden that means I have not gotten married, bought a house, or started a family because between myself and my partner, we owe {$300000.00} in student loans in our XXXX 's. Please help.
Our mortgage is services by ASC aka Wells Fargo and should be a fixed rate mortgage. In XX/XX/XXXX my husband was laid off and we began to have financial troubles. In XX/XX/XXXX, I filed chapter XXXX bankruptcy to save our home. Over the course of the next five to six years I paid over {$30000.00} in the bankruptcy case. Throughout this time and process we have request both payment histories and a history of the escrow account. For the past two years, I have periodically request this info time and time again. My bankruptcy attorney even provided them a release letter so that they could discuss this info with me. Our reason for this is that we wanted to make sure the money was being applied appropriately so that when the bankruptcy ended we would be back on track. Well this has been a struggle to say the least and to this day I have yet to receive any of the info I have requested regarding my mortgage. My last communication with ASC was on XXXX XXXX, XXXX via phone. This time I was told that the payment history and escrow info for my account is stored in microfiche ( yes microfiche in XX/XX/XXXX ) and they were having a hard time gathering the info for my account. I am not sure of what our balances are at this point and although ASC ca n't provide a history of the transaction on my account they have told us that we are still owe them approx {$14000.00} to {$15000.00} dollars. We are not currently in foreclosure as we have tried to modify our mortgage but was denied because they said our monthly mortgage expense is {$630.00}. However, our monthly mortgagpayment is {$820.00}. I am at a loss now and need help. We desperately need to see our account information to be able to make an informed financial decision regarding this mortgage but are not getting any details from this company. How can that be? I thought they had to legally provide us with at least a history of the account when requested? Please advise.
There 's a credit acceptance company reporting on my credit reports and it is not mines and was fraudulently opened it is dating back to year 2013. This is not mines and I 've even tried to contact the company but there 's nothing they can do about it she told me it was for a car purchased at we finance auto sales in XXXX Alabama and that car lot is closed now and has been for almost 3 years to date. So who 's responsible for a loan being took out from a fraudulent car dealership. I do n't owe this company anything because this is n't my debt I have a fraud alert on my account just for this purpose after I saw it on my credit
TD Bank has been consistently ( the past 3 years ) re-ordered my debit transactions by highest to lowest and changing the posting date. Which in turns gives me multiple {$35.00} dollar charges on transactions under {$20.00}. And on top of the multiple over draft fees, the start charging {$20.00} fees every 2 days. On top of that, some how their monthly matinence fee makes an appearance during this random time of the month. Another {$35.00} dollars down the drain.This type of practice is unfair and unethical. On the poorer side of the income spectrum and this makes it hard to maintain any type of decent balance and remove yourself from the black hole.
Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
I had my mortgage with XXXX XXXX XXXX in which my regular mortgage payment and escrow to pay property taxes and homeowner 's insurance was included, the amount was {$1300.00}. The loan was transferred to Select Portfolio Servicing and even-tough my property taxes and homeowner 's insurance have not increased, Select Portfolio Servicing has increased the escrow amount to an additional {$53.00} a month making my total monthly payment to XXXX. I find this very unfair and abusive.
Loancare LLC  drafted payment from my checking account and has failed to post the payment. This is the second consecutive time that this occurs. The account is setup on automatic drafts so I do not understand how it is possible to draft the funds from my checkings account and not post them.
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Capital one reported 2 of  my accounts negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and instead of removing the negative mark on my payment history they changed the status update from XX/XX/XXXX to XX/XX/XXXX on one and XX/XX/XXXX on the other. 

I filed a dispute with Capital One directly as well and they state that they were reporting correctly. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX or XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting payment history on any months where there was no late payment made should be removed. 

I am attaching a copy of my credit report from XXXX to show what I mean by negative payment history.
There is a hard inquiry in my XXXX Credit file on XXXX XXXX 2016, which should not be there. I have never authorized Paypal to make any such inquiry against my credit. Please have XXXX to remove it as XXXX have already removed it.
Day Knight & Associataes Creditor Name : XXXX XXXX XXXX I have no knowledge of this account. Just recently pulled up credit repot and see it has been on my credit since XX/XX/2017. I will like to dispute this account do n't believe it belongs to me.
my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company.
I applied for a loan of {$400.00} on line on XX/XX/XXXX. They approved me and I was under the impression that the loan would be paid back in 4 payments. My monthly payment amount was {$250.00} and was done by automatic withdraw on the 4th Wednesday of every month. I am on Social Security XXXX  and that is when I get paid. In XX/XX/XXXX I contacted them to confirm that my last payment would be in XX/XX/XXXX. They informed me that the payments would continue until XX/XX/XXXX.At that point I had already paid {$770.00} on a {$400.00} loan. I asked what interest rate they were charging me and I was told 650 % and I was told that was the rate I agreed to. I never agreed to pay 650 % .I thought the interest rate was either 35 % or 40 % which is still a lot but I was in a pinch. I stopped payment at my bank on XX/XX/XXXX so that no further money could be taken out of my account by them. The name of the company on the bank records is XXXX XXXX XXXX. I have received phone calls and emails from a company called XXXX XXXX and a company called XXXX demanding payment of $ XXXX.Last week XXXX  put me on hold so I could speak to a supervisor ... .I hung up after being on hold for 10 minutes. All of the people who have contacted me have foreign accents. I received an email from XXXX stating that I could send payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   OR send payment to : XXXX XXXX XXXX XXXX XXXX  same address only Dept. number is XXXX instead of XXXX.
I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. <P/>I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.
I have been trying to resolve a payoff balance and speaking to employee XXXX ( last name refused ) at XXXX. Last communication XXXX/XXXX/19, XXXX with no response. On Wed XX/XX//19 he and I agreed on a payoff balance of {$5300.00} and he would send a written agreement to confirm. After not re ceiving the agreement I called back and spoke to XXXX ( last name refused ) on XXXX/XXXX/19 XXXX XXXX in Customer Service Dept. she informed me XXXX misinformed me because an additional fee to payoff my balance would be {$2500.00} in addition to the {$5300.00} I have pending payments of {$500.00} + {$2100.00} which will add to my current payment {$2600.00} = {$5300.00}, I was suggestive to personal insults by XXXX
On XX/XX/XXXX Cavalry Portfolio Services was contacted via mail by me because they sent a letter claiming that I owed an amount of debt. I sent them a validation letter to prove this amount because I do not owe this debt. The information was removed off all 3 of my credit reports. Now I received a letter on XX/XX/XXXX about this same unvalidated debt and according to the date of XX/XX/XXXX as the open date listed on the letter, this debt has reached its statute of limitations. This debt remains unvalidated and it has expired but this company keeps contacting me regarding this debt saying it will resume collection efforts. But at the bottom of the letter, it states that due to the statue of limitations they can't sue me for the amount.