WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to American Express and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But American express still fails to acknowledge the police report. I had reported this XXXX many times and XXXX does not comply.
I was going to book a flight on XXXX for my daughter. Because of the high price I decided to accept the XXXX $ of your ticket by applying for a XXXX / AAdvantage Platinum XXXX card. I applied and was approved. 

I then learned it will be XXXX days to receive the card but I need to purchase the ticket within XXXX hours. 

I could n't find a number at XXXX that could help, but was able to communicate via twitter. They told me I needed to wait for the card to arrive before I could use it. 

I was told I would get XXXX $ off the ticket, but that is not possible. I wo n't get the card in time to purchase the ticket. This was false advertising implying I would get XXXX $ off this ticket.
XXXX XXXX hired Sessoms and Rogers, PA to collect a debt that they say ends in account number XXXX. A Sheriff ( Deputy XXXX XXXX ) came to my door and had no concrete information but just advised me that XXXX XXXX had placed a judgement on my credit and he never served me with papers or any information. On XXXX XXXX, 2016 I then received a notice from Sessoms and Rogers, PA that stated I could request documentation related to the account in question. On XXXX XXXX, 2016 I received a notice from XXXX XXXX XXXX that they had placed a {$4700.00} legal hold on my account because of a writ of execution from the sherriffs department. I have XXXX issues with all of this ; 1 ) I havent had 30 days to do anything 2 ) the legal hold and fees that the bank applied as well as the violation of my account may have been issued by a lawful entity but it has no merit and is an absolute violaton because there is no due process and it places me and my family in a hardship situation because I am the sole provider for XXXX dependents. 3 ) As I research the situation of how I could even get into this predicament, I see that I was supposed to be provided written documentation from the creditor or debt collector, there could have been a court hearing ( that I know or knew nothing of to defend or advocate for myself ) and I should have been served some documentation and not just a visit. Portfolio recovery for me was already settled when I purchased my home and I would like to know at this point what this is. It is harrassment and an absolute violation. The legal hold by XXXX XXXX XXXX as a tactic used by the Sherriff 's Department is also a major violation because they put a hold on an account that would never have {$4700.00} in it and all utilities for my home come out of that account. How could one ever pay all of that money at one time, continue with not falling into debt with their other creditors and servicers and not fall into deeper debt? No one wants to provide me with written documentation. I have been in a predicament before where I called people and thought I had a settlement and then it turned into something else ; I only want clear and written documentation and the only person I really would like to talk to is someone who can advocate for me and a judge who I know would have transcripts of our encounter.
In XXXX I was solicited to use blank checks mailed to me by Chase Bank for a 2 % fee % 0 % interest thru XXXX. I accepted the but first called cust svc for CLARIFICATION AND CONFIRMATION of the offer. I was told I could write a check for 2 % fee only and no additional information.. This call was made SPECIFICALLY, so as not to be negatively surprised ... The rep DID NOT VERBALLY TELL ME THAT MY CHARGE CARD BALANCE WOULD NOW BE CONSIDERED A " REVOLVING " ACCOUNT.Previously I ALWAYS paid the bill in full each month! My established pattern of payment was to NEVER pay interest and ALWAYS receive monthly rewards. The consequences, therefore of my acceptance were deceiving and misleading. The verbal OMISSION to CLARIFY the COMPLETE offer, to me, was of CRIMINAL INTENT, in my opinion! The wording states that " unless you pay in full, every month, you will pay interest '' Why, and how would I pay the borrowed {$12000.00} in full, the month after I already paid {$240.00} fee, in full, for the useage of the cash for XXXX months at ZERO % ..?????? This CLEARLY is/was a " bait and switch '' tactic ... deplorable, sinister, and attempted EXTORTION ... .but LEGAL! Supervisor XXXX XXXX defended this trickery and would not cancel the {$18.00} interest charged. She advised me not to use the card until I finished paying off the loan TO AVOID ADDITIONAL INTEREST PAYMENTS ... I sent a CERTIFIED letter to Chase XXXX XXXX protesting this deception. I have NEVER received a response.. I paid the loan in full within XXXX months, less accumulated interest, which is now {$380.00} They are now charging me {$39.00} per month " late '' charges in addition to additional interest! .Amazing the deception and lies to the consumer ... .. '' 0 % '' for XXXX months for only 2 % fee ... .Additionally the wording of their offer is ambiguous at best ... '' This offer includes a fee of 2 % " of the amount of each transaction '' ... .. '' Once you take advantage of this balance transfer offer, you will have a new balance on your account. This means interest will be charged on new purchases you make with your credit card, unless you pay the entire balance, including any transferred balances IN FULL EACH MONTH ... There never was a BALANCE TRANSFER, but a " TRANSACTION, ONLY '' ... therefore the balance transfer commentary NEVER APPLIED to me! In conclusion, in retrospect, this offer was clearly designed to LEGALLY EXTORT money from unsuspecting customers who were amazed at the generosity of the bank ... this practice is UNFAIR, and criminally deceptive at the minimum ...
On XX/XX/XXXX I requested the method of verification you used to determine the items I was disputing were accurate. I specifically asked what certified documents were reviewed to conclude the investigation and to provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation as required by the FCRA. You claim that you have verified the items I requested an investigation of, so I legally requested a copy of the procedures and documents you used to verify the information by certified letter return receipt # XXXX. Experian received and accepted my letter through registered mail dated XX/XX/XXXX. To date you have not responded to this request and have not provided me with any information on the method of verification used in your investigation and have thus not performed your duty mentioned in the law. I expect an actual verification method other than the XXXX used to determine the accuracy of my information. Your companys response to my complaint with the Consumer Financial Protection Bureau is nothing more than the legal disclaimer you are required to submit to consumers by law and not an actual answer. My next action is to file an actual lawsuit against Experian with my attorney if my original request from XX/XX/XXXXis not honored.
I got a letter from an attorney 's office, stating that my Bank of America credit card had been charged off and they were taking it over. I called Bank of America to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. Bank of America told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and Bank of America did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. Bank of America was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that Bank of America charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the Better Business Bureau ; they have opened the complaint with Bank of America, but Bank of America has not responded to them about this either. Bank of America is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.
I have disputed Chapter XXXX bankruptcy with Equifax they signed for my initial certified dispute letter on XX/XX/2016. They responded that they have verified the reporting to be accurate from the federal bankruptcy court. I requested validation in the form of my signature, they failed to provide that to me validation. I also submitted them a copy of a letter from the bankruptcy court stating they do not provide any information to the credit bureaus along with a 2nd dispute letter which they signed for on XX/XX/2016. This is deformation and Violation of the Fair Credit Reporting Act. I demand that it be removed immediately from my credit report. As of today XX/XX/2016 they still have failed to validate this or mark my report as disputed. Equifax has failed to properly investigate this. They sent me the same verification letter both times within 4 days of signing for the letters. Which tells me they generated a pre-written letter from the computer and sent it to me.
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX/XXXX  Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX  Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) XXXX XXXX XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX    XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 ) XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
XX/XX/XXXX - Received phone call from NCC Business that I owed an outstanding balance on an account upon moving out of apartment complex  XX/XX/XXXX - I stated that the balance was indeed paid however there was an incorrect fee of {$100.00} charged from the apartment complex. When asked for clarity, the collection agency stated that the apartment complex records showed that I did not have renters insurance and therefore charged me a fee of {$100.00} for not being compliant.
 XX/XX/XXXX - After several conversations with NCC Business , I submitted via email a copy of my insurance agreement that showed that I was in compliance while residing at the complex to   XXXX   XXXX   of NCC business. I never heard back from NCC and when I pulled my credit report in  XX/XX/XXXX , I noticed that this item was listed.
 XX/XX/XXXX  I submitted a dispute via a  XXXX  &  XXXX  and it was not removed.
 XX/XX/XXXX  I submitted a letter disputing this item on my credit report and received a letter from  XXXX  of the credit bureaus that this is a verified item on my credit report. I submitted the email and attachments indicating that this item needs to be remove but no such luck
I have been receiving letters from Citibank stating I have a credit card with a balance for over one year now. I called several times ( listen to recordings ) and got passed around, and got hung up on. When I finally got a somewhat intelligent human being at that awful bank they said they would start an investigation of fraud. I then received almost a year ago exactly copies of my checks that I wrote paying the card off from XXXX! I didnt report that I never had the card, I did from college and it is joint with my father. I had it in XXXX and paid it off and cut it up in XXXX. It is my maiden name, which I have not had since XXXX. They have my email address from 6 years ago, I have moved but they found that address of course. I have not have the card in my possession since XXXX. I called last week and citibank told me I owe nothing. Now I get a letter, with no phone number to call, very convenient saying I owe money on this card that has been gone since XXXX, which is it? So any charges on it 8 years later, is not me!!! I want Citibank to stop being a horrible bank and take it off my credit!!! It is fraud!! I did not make those charges, I blame the fraud on Citibank. They are the most incompetent bank I have ever dealt with. If anyone is reading this, do not use Citibank, they are untrained, incompetent, rude and an immoral bank.
Due to the Security Breach with EQUIFAX, I inquired with EQUIFAX is I am one of the consumers at risk, EQUIFAX stated there is that possibility, so I Immediately Contacted the 3 Major Credit Reporting Bureaus Individually to place a FREEZE on my account with each Credit Reporting Bureau. I am a New Hampshire resident therefore the charge is 10.00 per Credit Bureau, XXXX processed my request and has sent me written confirmation that my Credit Bureau Information has a Freeze, XXXX  has sent me written confirmation that my Credit Bureau Information has a freeze, both were processed immediately. HOWEVER EQUIFAX were the Security Breech began HAS NOT processed my request to FREEZE my credit bureau account, instead they offered me a free Credit Monitoring Service, I do not want a credit monitoring service, I want my consumer right of placing a FREEZE on my Credit Bureau account since my information may have been compromised. This is extremely troublesome that the Credit Bureau where the security breach occurred is the only Credit Bureau that has NOT granted my request. 
Please Advise my next steps of action I can take to secure my personal information with EQUIFAX. 

Thank you
I was contacted by a rep claiming I owe debt to a   Payday loan   company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of  XXXX   XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on  XXXX   XXXX  and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.
I was lured into obtaining my free credit score from eqifax in XX/XX/XXXX or XX/XX/XXXX, only to realize that my checking account was being charged {$59.00} for a credit monitoring service, which I had never signed up for and/or given approval for. It took nearly XXXX months to remedy the situation and the finally agreed to discontinue the service, but refused to reimburse me for the {$59.00} monthly fees already charged over the last XXXX months. I have read that the suit against eqifax and transunion dates back to XX/XX/XXXX, however, I can assure you that it it began far earlier, as I ca n't be the only person this happened too. I respectfully request to be included with the other victims of fraudulent activities commited by Equifax and XXXX. I addition, I would encourage your department to investigate such activities and resultant victims long before the XX/XX/XXXX start period. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged XXXX XXXX as her official Housing Counselor to submit this complaint on her behalf. Around XXXX XXXX XXXX contact Select Portfolio Servicing ( SPS ) the mortgagee who is the current servicer of her account. In order for them to quantify her for this special program for homeowners living on a small budget and can longer afford her home due the high interest rate of 10.75 %. This program is entitled XXXX XXXX Relief Program that allow homeowners to keep their homes under a paid in full settlement. Without any other cost to them. When she started reaching out to SPS she was current on her loan and was seeking an answer before the end of that first month never happen. After she had and requested that she be considered for this special program. This how the program works, after producing the required documentation the underwriter will closeout the loan. After XXXX XXXX faithfully submitted everything they ask for, now SPS is refusing to accept her income statement concerning her small pension of nearly 20 years to complete the transaction. They have inform us that they will not and can not accept the bank statement where both her XXXX is been deposit. She had inform SPS that the company only gave her a statement of of what her monthly pension will be and the company is refusing to send her any more statement concerning her pension, after informing SPS they are totally denying and workout option for her. They are using her pension as an excuse in order to keep her loan current rate as it is and force her into a foreclosure. This a predatory lending practice which violate Frank Dodd Predatory Lending Practice Act and Discrimination under The National Fair Housing Act. We are refusing to allow SPS to keep abusing Senior homeowners from practicing this negligence and unsound deceptive business practices. Please help.
On   XX/XX/XXXX  , I authorized a {$690.00} payment towards Navient, or so I thought. I made this payment thinking that it qualified me for a  ten  year, $  XXXX  income-driven repayment plan. It looks like this {$690.00} was NOT applied to my student loans. It appears a third party managed to fraudulently collect this money. The phone number associated with this transaction  (  on my bank statement ) is not a working phone number. Navient has also informed me that they do not have offices in Florida, the state associated with this transaction. I have been in contact with both  XXXX    XXXX   and Navient to try and resolve this matter as quickly as possible. Please let me know if you can help in any way.  <P/> Thank you.
TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA The above company reported to XXXX  that I have a {$130.00} unpaid debt in collections. 
I have no unpaid debts in any type of collection process nor have I received any communication from this company.
This additional Complaint is in addition to complaints # XXXX, Complaint # XXXX & Complaint # XXXX. HUD-RESPA & PNC/XXXX XXXX have know the facts since XXXX. XXXX has replied to and to me they are unable to investigate the loan until the CFPB provides documentation that XXXX XXXX who is now owned by XXXX did purchase PNC. I have provided documents that the CFPB can provide to XXXX to investigate these complaints and answer the XXXX Qualified Written Requests and make the necessary financial adjustments. 
XXXX loan applications were completed by PNC for this loan. The first loan application ( attached ) proposes {$350.00} for a monthly tax amount ( XXXX {$350.00} = {$4200.00} ). The " : ApprovalFirst Process Certificates ( XXXX ) ( attached ) indicates the first loan application was completed XXXX XXXX, XXXX by PNC Mortgage A deposition by PNC ( attached ). also stated approximately {$4000.00} annual for taxes. This was an underestimate of approximately {$3000.00} each year of the 30 year note ( {$3000.00} x XXXX = {$90000.00} ) RESPA does not indicate a builders estimate as an acceptable method to provide anticipated taxes for a buyer for a home mortgage loan. The County Tax Office as stated in RESPA would be a reliable source of tax information to obtain a reasonable estimate amount for anticipated taxes. The misrepresentation of approximately {$330.00} from the second loan application ( attached ) was completed & together with the information provided by PNC/XXXX. XXXX ( attached ) we made the decision to build the home as it fit within our budget.The Construction Contract to build the home occurred XXXX XXXX XXXX. Three times before signing the contract, information was misrepresented to us.If we had know the correct amount we could have reduced the size of the house and other features which would have reduced our taxes for 30 years.Three appraisals were ordered by PNC which is used, also could have provided a comparison for anticipated taxes as is stated in RESPA. The errors by PNC and XXXX deflecting the actual causes of their errors and providing False Information to a Federal Regulatory Agency for their errors for THREE YEARS and to the borrowers led to extensive anxiety and stress with enormous legal bills. PNC never accepted the PNC as stated in RESPA. ( attached ) Our rebuttal to XXXX XXXX is attached as is their letter addressing our " concerns '' but never providing substantive answers to the questions asked of them for the XXXX QWR 's sent to PNC. Further to our statements in our rebuttal, paragraph XXXX, we were being required to pay {$19000.00} for the errors made by PNC into escrow. 
XXXX {$630.00} Escrow year + XXXX x {$980.00} = XXXX for shortage.Total of {$19000.00} We have shown in our previous complaints the computer generated mathematical errors in our loan. Do other loans serviced by PNC/XXXX XXXX have similar systematic problems? We were being required to pay into the escrow account apparently an excessive amount. We had, at payoff, requested and again request a forensic accounting by PNC/XXXX XXXX for this loan. The financial disbursement at payoff was not correct.
My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.