WillisBack/dataset-financial-user-claim huggingface dataset:
I received an American Express every day card with promotion of 0 % on purchases plus balance transfer for 12 months. Since I had few cards with high rate, I use the balance transfer benefit for XXXX my cards XXXX XXXX XXXX card back in XXXX XXXX. I provided the XXXX card number and the amount of {$760.00} to do a balance transfer. About 4 weeks later I found out that the transfer never took place, but I was charged {$760.00} plus {$75.00} and plus {$35.00} fees. I called American Express some time in late XXXX to early XXXX to ask why the transfer did not take place and It was explained to me that the transfer of {$760.00} was made to different company ( XXXX XXXX ). The agent and I confirmed the account number that was provided matched my XXXX XXXX XXXX card. I was assured that American Express was going to request for a reversal of the charges from XXXX XXXX and applied to the account number provided. The agent took my information to start the reversal process and told me it will take between XXXX4 weeks and I would be notified via email. In the mean time they temporarily took the charges and fees away. To my surprise I received an email that claims the transfer was legit to XXXX XXXX and they confirmed the legetimecy of the account and that I should contact XXXX XXXX but in the email they mentioned XXXX XXXX did not provide the reason. I reached out to XXXX XXXX to provide them my XXXX account number that was provided to American Express to find out the confusion. I was told by XXXX XXXX that the account is not legitimate and they have no open account on file under that account. I called Amex to informed them and recommended to even have a three way call with XXXX XXXX and or my XXXX card that was never paid even though the account number and information was provided and is on Amex file. No one seems to help or care about helping me. I have called Amex which transferred me to their balance transfer in XXXX and have waited countless hours on phone with no help and the employee lack of knowledge of XXXX credit card department stores. I am surprised that some reps did not know the difference between XXXX XXXX XXXX card which is offered through XXXX XXXX and XXXX XXXX. I have taken my complain to even social media XXXX and a rep by the name XXXX tried to help but at the end said she ca n't reverse the charge because I had told themes pay XXXX XXXX but she ca n't explain why they ca n't reverse the charge because they know that I do not have any active XXXX XXXX card. I asked her that I do n't have any XXXX XXXX card active over the last XXXX8 years why ca n't they reverse the wrong payment sent to an account that does not exist? No reasonable answer is provided. She gave me the same unreasonable answer that you asked us to pay XXXX XXXX with no proof and can not answe why would someone make a payment to a wrong company with an account from XXXX? It does not make sense. If even their was a mistake in a communication why ca n't they reverse the payment for an account that does not exist? Again, no help as she told me to reach out to customer service in which no one can help recover my money.
I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to  be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.
Green Tree modified my XXXX FHA loan. My XXXX mortgage statement reflects an increase of my monthly payment {$140.00} of " Total Fees & Charges. Upon my inquire, Green Tree tells me these are " legal corporate advances ''. I told them nowhere on the permanent modified mortgage is their language to these fees. Green Tree tells me I have to pay them for the next few years.
I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.
XXXX   XXXX    policy issue date and cancellation date are the same. No claims could have been made on this policy. No reporting to the credit bureaus should have been made.
It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on Experian and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.
I asked for a return on a mistaken payment. I called customer service every day the following week ( Tuesday - Friday, also Sunday and the following Monday ) to Bank of America to inquire about the said return. I got different answers about when to expect the return. Some reps told me 2-5 business days 1 rep told me 7-10 business days. XXXX wanted to help me, other than tell me to wait and call back if it still has not been returned. After the given period of 2-5 business days I called and the rep said she would escalate it, trace where the money is and credit me XXXX . When i checked 2 days later, i was told there was no credit of XXXX $ and a rep did not have the authority to do so. Also there was nothing else done besides a " small investigation '' into where my money was. Which another rep told me was just to notify me when the money ends up in my checking account. So basically after calling for 7 straight business days noone did anything to help me. I still do n't have my return. And I am told to continue to wait and if it 's still not in my account after 10 business days then call back. Who knows what they will tell me then, but I am relying on the word of customer service reps who have continually lied to me after 7 days of calls. Seems like noone there is willing to help me.
For whom it may concern, I did a money transfer from United States to XXXX, bank account to bank account transfer ( XXXX XXXX XXXX to XXXX ) on XXXX XXXX, 2015. 
I contacted the receiver in XXXX on XXXX XXXX, 2015, he still have n't received it yet. I contacted Western Union, and provide them my receipt and transaction tracking number which is XXXX, ask them to help me to tracking the transaction. However the custom services in WU told me, they do n't know where does this money went to, and this transaction is not in the system at all, they need to renew the transaction in XXXX to XXXX hrs. I waited until XXXX XXXX, 2015, nothing happened, I called WU again, after being transferred XXXX to XXXX times, they told me they have to renew the transaction again in XXXX to XXXX hrs. again. Since WU lost my money in the transaction for a month and without notifying me, and when I contact them they just have no reaction at all, which made me think WU has some fraud or scam issue, I lost confidence and patience with WU. I had to make a transfer through XXXX XXXX XXXX, which spend another {$300.00} along with {$35.00} transaction fee, in order to make it on time.
This all started back in 2013 my mortgage company lost two of my payments we submitted our bank statement when they bought our mortgage and said they never received them which put us behind then they started foreclosure they charged us {$8400.00} to get out of foreclosure we are now still fighting them because they say we still have {$3300.00} in foreclosure fees which it 's been 3 years now which has made us three payments behind again every time we make a payment we have new charges they 're trying to charge us {$570.00} and late fee charges and certified mail charges which we have not received any certified mail they are charging of property inspection fees nobody has come and inspect my property and now we have made an insurance claim and we had to mail them the {$17000.00} for our garage check and they are with you using to release that to us we are just trying to get what is belong to us to us if anybody could help us this would be wonderful wonderful
I have received phone calls and letters regarding a loan that was made to me by Republic Finance in XXXX, Alabama. This loan was made on XX/XX/XXXX in  XXXX, Alabama. I have not lived in XXXX, AL since XX/XX/XXXX and was not in XXXX on the date of the loan. I currently reside in XXXX County Alabama. The balance of the loan is XXXX. I do not know where this money is nor where it was deposited, cashed or secured. I do not know anything about it. I went back through my bank statements and there is not a transaction on this date in this amount. Apparently, it was one of those solicitation checks to sign and deposit for a loan. It was mailed to the apartment complex in XXXX where I previously resided.
I decided to invest my money with Raymond James in XXXX, 2015, due to the guarantee of protection that I would be getting with my investment. My financial advisor at Raymond James informed me that he could not provide better returns then what I was seeing on my own but what he could do is promise me protection from any major loss if the market was to go into a tailspin. His investment strategy he was proposing was to set Stop Losses in my plan to make sure I got out of the market at 10 % loss if the market was ever to have a major drop in the market. He could not believe that I had no protection built into my current plan that would protect me from a catastrophic loss and what he could offer me was peace of mind and a guarantee that even in the worst of times I would not suffer more than a 10 % loss due to the protection that he would put in place with his investment strategy. I believe the Stop Loss investment strategy was not properly explained because this strategy did the opposite of protection and caused me to have a major loss. NO RISK was even mentioned. I should have never been promised protection if that was not true. The sales pitch I was given was based 100 % on protection. When the market dropped on XXXX XXXX my account was traded at 40 % below the market in some cases. The value of my account dropped by over XXXX. My advisor said that it was not his fault and this has never happened before. I should have never been sold a guarantee of protection if this was not true. My advisor should not have had me invested in XXXX 's that were not liquid and difficult to find a buyer in a down market. I feel Raymond James and my financial advisor are responsible for my loss by their negligence to understand the inherit risk of an investment plan based on Stop Losses, to properly inform me of the risk involved, to have invested my money in XXXX 's that were not very liquid, and to promise protection from a loss of greater than 10 % and yet I suffered losses of 40 % below the market. The response I 'm getting from Raymond James is not acceptable when they are supposed to stand behind their promise of protection and integrity. They empathize with my situation but say the trades were valid trades even though the orders were filled at prices lower than the sop amount limit was set for.
There are incorrect addresses and a incorrect name on my report. I was told to send in proof of address and name which I did and the reporting agency, EXPERIAN, did n't remove it like they said they would. It 's illegal to report inaccurate information.
I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. 10 different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ), XX/XX/XXXX XX/XX/XXXX ( again 2 in one day ) and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 in one day ) Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Between XX/XX/XXXX and XX/XX/XXXX of XXXX, I attempted to dispute the reporting of several closed accounts that have aged over seven years since their dates of first delinquency. I made at least a half dozen attempts online to submit the dispute requests. Every single time, I am getting an immediate error on their site when attempting to use their online system. The web page is https : //www.equifax.com/XXXX. 

When I attempted to contact Equifax 's customer support line for credit disputes, I was greeted by a support representative who upon hearing that I would like to remove these four closed accounts that have aged in excess of 7 years past their date of first delinquency, that their policy is to remove them after 10 years. This is NOT in-line with the credit reporting regulations that state they should be removed after 7 years. 

Equifax is systematically making it difficult for consumers to lawfully remove these adverse accounts from their credit files. I am not having any issues removing these records from XXXX  or XXXX. This has to stop. This is a company entrusted with protecting consumers ' credit information and XXXX is making up its own policies. I am furious. Please assist me in lawfully removing these records.
1. Obtained a loan for a new car in XX/XX/XXXX with XXXX XXXX XXXX. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from XXXX as well for the car ( document attached ) 6. A check was sent to XXXX XXXX in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. OnXX/XX/XXXX the XXXX auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from XXXX thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from XXXX and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from XXXX, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to XXXX between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when XXXX had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. XXXX began to mark my credit report falsely and incorrectly with the Credit Bureau Experian between XX/XX/XXXX and XX/XX/XXXXXXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with XXXX corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that XXXX is not willing to remedy. It is my hope that you will be able to assist.
Hi! My name is XXXX XXXX. I got a British Airway visa card in XXXX, XXXX. When I opened my account, I thought I would get a travel together ticket if I spent more than USD XXXX within a year. And I have already spent more than USD XXXX now. But I did n't receive my travel together voucher, so I checked the website and found out that the requirement was within a " calendar year '' instead of " a year ''. But I opened my card in XX/XX/XXXX, there were only less than three months left in XXXX. And I spent more than USD XXXX before XXXX XXXX, XXXX. I think it was very close to the requirement, USD XXXX. 
So I think the rule is very unfair for a new user. Like me, just because I opened my card in XX/XX/XXXX, I lost my deserved reward from spending more than USD XXXX in less than 3 months. If I opened my card in XX/XX/XXXX, absolutely I would be qualified to get the voucher. Also, the other thing I want to address is the rules are very confusing. There are XXXX types of rewards. XXXX is open card bonus, the other is travel together ticket. For open card bonus, the requirement is " within your first year '', however, the requirement for the travel together ticket is " in a calendar year ''. I believe it is misleading and trying to confuse customers. 
Thank you for your time and help. I look forward to hearing from you.
Went overseas XX/XX/XXXX taking only XXXX credit card : Capital One. I went out of my way to research the best card for travel, especially in terms of rental car insurance and other travel benefits. At some point after being in XXXX I received email that they were sending me another card as they were updating to chip cards. I called and to tell them ( although they already had notice I was overseas ) that I was not at that address and could they send overseas ; I was then at a hotel in XXXX XXXX, XXXX. They said they could send overseas by regular mail. I told them that was not a safe, smart or responsible thing to do and that by the time it arrived ( if it ever arrived ) I would probably not be there. I pleaded to send via XXXX at my cost. The said they would not. Of course I never received the card. I called their customer service several times to say I had not received the card. I was assured my card was still good " till XX/XX/2016 ''. I went into hospital when in XXXX and card was declined. Hospital would not complete treatment until card is approved. Spent over an hour on the phone with them at hospital and finally got payment approved. XX/XX/XXXX I was able to return to US. Before leaving XXXX called Capital One to verify that card would still be honored -- I needed it to rent a car once in US etc etc and again, it was my only credit card. I was assured the card would be honored -- this time I was told it would be honored indefinitely not just till XX/XX/XXXX. Landed at XXXX, took shuttle to XXXX XXXX where I had a reservation and card is declined! Called customer service and they said I should be using my chip card! I explained why I did not have a chip card and explained the assurance I was given before leaving for the US. Agent was able to verify I was given erroneous information by their agent. I asked what they can do to help me, ( esp. as I was in this dilemma due to their errors ) and that I was stranded at XXXX. Even after much pleading, trying to reason with them, they said there was nothing they would do. I ended up getting XXXX to accept a Visa debit card I was also carrying. Just before dropping off car in XXXX I accidentally scraped the rear door and punctured a tire with a rock bordering a parking lot. Only then I realized although I had put it on a Visa card, I had no rental car insurance. If I would have not been given erroneous information by Capital One, or if they had sent me the card overseas as I pleaded, I would not be in this problem. As it is I am waiting for XXXX XXXX to tell me how much I owe them. I imagine it will at least be several hundred dollars.
I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. 

Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. 

When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. 

Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).