WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I went on chase.com website to find a credit card that suits my needs. I was interested in Chase sapphire card. They offered 2 options that day, sapphire reserved for XXXX bonus miles with {$450.00} annual fee and sapphire preferred with XXXX bonus miles after spending XXXX in the first 3 months with a {$95.00} annual. I didn't want to pay {$450.00} annual fee, so I chose the XXXX bonus card. I took a screenshot of the offer and took a screenshot of all the benefits of that card, so I'll have it on my phone for easy reference. I clicked apply now and got approved right away. 10 days later I got the card, {$95.00} annual fee was charged and everything looked good until I start reading posts on social media on how Chase was robbing people and either not giving them the promised bonus or charging them an annual fee when the fee was waived for the first year. I sent a secure message to Chase asking to confirm my offer and sure thing, I was given an offer, but not the one I applied for. They gave me XXXX with annual fee NOT waived for the first year. So they took away my extra XXXX bonus miles. I emailed them the screenshots, I escalated to the marketing department, but they said that the offers constantly changing and that I probably clicked on something else. Basically called me stupid in the nice way. I posted my concern on social media and so many people were in the same boat with me. Some applied for XXXX with annual fee waived for the first year, and they were charged the fee, some applied for the same XXXX offer and got XXXX like I did. And none of us can prove anything. Apparently the mistake happened in the last few weeks, but Chase doesn't want to admit that and correct it, unless they do it on purpose, luring people in. I was watching the offers for a few weeks before getting a new credit card. I wanted a better deal, so when that great offer became available I applied. I didn't want any other offers and Cause couldn't explain to me why they gave me what they gave me, they just said the offers are constantly changing and I get that. But I'm sure they change daily and not by the minute. If I click on XXXX offer, it should register in their system right away and lock me in instead of changing my offer. That's just wrong and unacceptable. This is my first time having business with them and probably my last time.
Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account.
There are several incorrect addresses in XXXX, where I have never lived, on my credit report related to an identity theft that occurred in XX/XX/XXXX. There was a police report filed, and the financial credit issues have been dealt with by the credit reporting companies, but these addresses persist on my credit reports and are now being reported along with my background check information. I am a teacher, so I have background checks for my job. All XXXX credit reporting agencies are aware of the past identity theft, and have copies of the police report and all other related information. I would like all XXXX addresses removed from my credit report, as I have never lived in XXXX! The person who stole my identity was tracked to XXXX through the postal service. I have resided in XXXX since XX/XX/XXXX, and I lived in XXXX and XXXX before that.
Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.
I received a phone call from a phone number showing as  XXXX  on  XXXX / XXXX /  XXXX  . A voice mail message was left stating that they were calling " regarding a formal complaint being filed '' against me and that if I had information in regards to the where abouts of this individual, to contact them immediately at  XXXX  a s the next step would be filing the necessary paperwork with the local county court. '' The same m essage was left on numerous family members voice mails. I called the number provided in the voice mail the same day and spoke with  XXXX   XXXX . He told me that they were in the process of charging me with bank fraud and that I had a last chance at restitution by paying {$650.00}. He said the debt was in regards to a payday loan advance. I told him that I had taken out  XXXX  loans in  XXXX  and all had been repaid. I told him that I was not going to pay another debt until I was provided written proof of the validity of the debt ( I have received no paperwork from this company in regards to this debt ). I told him that I was told the last time I received a phone call like this about a payday loan that I had paid, I was told that sometimes the debts are sold and the records are not updated accordingly. I told him I was not going to continually blindly pay these debtors without having proof of the debt. I also told him that I had been told previously that providing documentation in regards to the validity of the debt was not possible and that I could only obtain that kind of information in court. I also informed him that it was NOT ok to continually call my family members in regards to a debt that they claim belongs to me. He stated at that time th  at GVA Holdings does not make any outgoing phone calls. I asked him who was making the phone calls. He stated that they hire a company to do that. I told him that they and GVA were violating the FDCPA. He said that GVA was not a debt collector. I asked him what he was attempting to do when speaking to me then?
He said " provide a method of restitution. '' I said he was attempting to collect money from me to then in turn hand it to a creditor, thereby COLLECTING A DEBT. So they are basically trying to skirt any compliance with the law by hiring a company to make their collection calls. The conversation ended with me telling him that I would not pay the debt or even agree to the debt unless I was provided written proof of the validity of the debt. They continue to contact me and various family members continually to date. All I am asking for is 1. they stop harassing my family members ( and violating the law ) 2. proof of th  e debt. This debt was incurred over 10 years ago!!!! I have paid several pay day loans to date. I will not continue to blindly pay these people simply because they call me and say I owe them money and continue to threaten and harass my family and I. They have, to date, failed to provide any written documentation in regards to the debt. I have not received a single letter from them.
I have a CITI VISA which was issued through my XXXX membership. I had always had paper statements sent to me monthly and always paid my bill in full on time. My wife and I have credit scores in the 800 's. 

CITI unilaterally changed my billing statements to electronic statements and cancelled my paper statements. My wife and I do not use any electronic statements or payment options with any account that we have. 

As a result of this change initiated by CITI we did not receive our statements for 2 months and did not make any payments during that time period. If we did receive anything electronically from XXXX we would have assumed it was spam or it went into our spam filter. 

We have demanded that CITI put our account back to paper statements and send us the past 2 months paper statements. And, we have requested that they cancel any late charges and finance charges since we always have paid our bill in full in a timely manner. We have not yet received the paper statements but CITI is asking us to pay the past due balances without any statements.
We have attempted repeatedly to verify this debt and have requested documentation on multiple occasions, but have never received a response. I reached out about my husbands account on XX/XX/2018 at approximately XXXX CT. I spoke to 3 different people to try and reach a settlement. One of the representatives informed me that they have supposedly received return mail on multiple occasions. We have verified our address multiple times and know they have the correct address. We receive mail, without issue, at the address. The lady I last spoke to on XX/XX/2018 told me that she would send a settlement agreement letter to me via email that day to review. I never received the email. I called again on my lunch break at approximately XXXX CT on XX/XX/2018 to check the status of the email. I was again told it would be emailed shortly. By XXXX CT on XX/XX/2018, I had still not received the promised email so I called a third time. The representative told me this time that emails were not allowed to my state, but if her supervisor sent me an email and I replied confirming it was okay to send information, they would then send me the documentation of the settlement. She promised the email would be sent immediately after the call. I have yet to receive an email. I really feel this company is refusing to provide any documentation of the debt or agreed settlement and we refuse to pay until they provide something in writing. Through multiple attempts over at least the last year they have not verified the debt as requested.
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX County , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling XXXX  accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling XXXX account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to XXXX failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, Equifax and XXXX  credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
This is my XXXX complaint on a different subject. Citi Mortgage agreed to a short sale on our home and even told our real-estate company the price to ask for the home. We have had offers above and beyond the set price but Citi mortgage at XXXX declined the offers and now they tell us they never said they agree to a short sale and have no idea what we are talking about, even though they told us and our real-estate company XXXX that they agreed ( And gave our broker the price needed ) many times, and now they have changed their minds and will go ahead and foreclose. This is at least the XXXX time we have caught them in lies. Another thing that happen after my XXXX complaint was they called us and chew both my wife and myself out for reporting them to you. They were so rude that I had to hang the phone up on them before I said something I should not. It was very degrading the way they spoke to us.
I recently had a payment for a bill come out of my Wells Fargo account around XXXX/XXXX/XXXX. I had meant for it to come out of another account. I am on a very limited income but I accepted that it was my fault. The account was overdrawn by approximately {$200.00} and an overdraft fee was assessed. I was making {$20.00} payments on it when I got paid every two weeks as this is all I could afford. While making payments, I received numerous calls from the collections department. I answered and spoke with a guy who tried to get me to commit to a larger payment than I could afford and on an exact date. I told him that I would pay what I could, when I could. I continued making my {$20.00} payments every two weeks, give or take a few days. About three days after the fourth payment, on XXXX/XXXX/XXXX, they closed my checking account despite the fact that I was clearly making regular payments and would have it paid off soon. Now it will reflect poorly on me in XXXX or whatever reporting agency Wells Fargo uses. I paid what I could as soon as I could and not sure what else I could have done when they closed my account.
On XX/XX/XXXX my primary checking account became overdrawn for a payment that came thru in the amount of {$600.00}. On XX/XX/XXXX I visited a branch of XXXX in XXXX, Texas and explained to the account representative what was happening and that I had every intention of covering the overdraft before the 30 days had passed. 
On XX/XX/XXXX, XXXX transferred {$670.00} out of another checking account I have, without notifying me and leaving me at XXXX, and deposited it into the overdrawn account. It has only been 22 days that the account has been overdrawn and now my other account is being put in jeopardy as I have payments that are going to be coming thru tonight. I spoke to XXXX in collections this morning, XX/XX/XXXX at XXXX, and she could offer no assistance to me. I explained to her the life changing event going on in my life, divorce, and even gave a promise to cover the entire overdraft by XX/XX/XXXX. Again, I received zero assistance from her, just an " I'm sorry Mrs . XXXX. '' I was then transferred to XXXX XXXX, collections manager, and his only resolve was that he could transfer {$200.00} back and that was all. I have a 15 year background in banking and I know that is not true. If I had over {$100000.00} in my bank account, I guarantee I would not be having these issues with Chase Bank. My accounts have been in good standing and I feel I am being treated unfairly as my banking institution, again, is not willing to help. 
Back in XX/XX/XXXX, I filed a complaint against XXXX due to not being fully reimbursed when my online banking account was compromised. XXXX was not willing to help me recover all the monies that were stolen from account, only what they could recover from the account the monies went to. After filing the complaint, I had the difference owed to me within 10 days. 
I am very disappointed in Chase Bank and will be closing my accounts once this matter is resolved.
There are unauthorized inquiries on my report even though I sent a letter stating I was a victim of identity theft and would like them removed.
I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}
I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. 

This check is not in either of my accounts and the funds were not returned to XXXX. 

I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. 

call me at XXXX for questions
I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement.
I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.
Tried to make a payment on the website, but it was refused, saying it wasn't enough. My card has been charged off since then. My payment tripled. I had autopay. My card has also been stolen, so I do not know the credit card number
I have conta cted American Education Services with regards to my monthly payment on numerous occ asions the most recent being   XX/XX/2017 . My in terest rate is constantly increasing and so are my payments. When I contacted them to seek options of lowering my payments I was advised that there is nothing that they could do because my loans are private and income sensitive repayment plans are only for  Federal Student Loan s. I have  XXXX  loans that are serviced b y American Education Services.     XXXX  has an interest rate  of 7.35  and  XXXX  other is  8.03.    I 'm currently making a monthly payment of  XXXX  dollars a month and in   XX/XX/XXXX  m y payment is going up by over  XXXX  dollars which would make my payments around  XXXX  dollars a month.   I make  XXXX  after taxes and I ca n't afford to make the payment after the increase takes affect. I have been paying on my loans for a couple of years now but the principal balance barely decreases because my interest rate is constantly increasing and I 'm told there is nothing that they can do to lock the rate nor to take my income into consideration for repayment purposes.   There are laws in place for Federal loans, but I 'm told because my loans are private they are not regulated and therefore I 'm forever a   XXXX    of American Education Services until t he da y I  XXXX  or   pay off my loans which is impossible to do hence the payment and the interest rate constantly increases.
On XX/XX/2018, USAA closed all of my banking and investment accounts- no reason was given. They also closed my wifes investment accounts and credit card. We have excellent credit scores and are shocked that this has happened.

We are confused and feel that we have been taken advantage of.
This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!
I received a call from ( XXXX ) XXXX stating that I owed them {$1400.00} from a XXXX account that I stopped paying on in 2012. I advised them that I was not aware of this credit card account and they advised that if I did n't pay that they would come to my job and serve the complaint. I advised them that I was on Social Security and the rep advised that they would take my Social Security check. I attempted to find out the company as I had received a voice mail as well stating to call ( XXXX ) XXXX which goes to Coastline Financial XXXX XXXX. There were multiple calls back to back with a few minute time frame.