WillisBack/dataset-financial-user-claim huggingface dataset:
I clicked on links to take advantage of a XXXX  AMEX platinum card marketing offer that ended XX/XX/2018 ( I did this on XX/XX/2018 ). The offer was for XXXX miles and XXXX MQMs, dependent on purchases within the first 3 months. The link redirected me to AMEX ' site, where I applied for platinum status card and was approved. I met the requirements of the offer, yet to date I have only received a portion of the offer and am still due 25,000 airline miles.

I have called American Express multiple times, and each time they offer only portions of the complete marketing campaign. Calls on XX/XX/18, XX/XX/18 ( they credited me XXXXk miles on this call ), XX/XX/18 ( they credited me 20k miles on this call ) and XX/XX/18 have been met with partial credit for what I am due. American Express claims that I upgraded my card vs applying for a new card, and therefore was not eligible for the credit, yet the website application was extremely misleading and nowhere was this presented to me during the process. 

On my last call to American Express on XX/XX/18, I indicated that I would be submitting a formal complaint if this matter was not resolved within a reasonable timeframe of 30 days. At this point, the terms of the offer have not been met, and by my records I am still owed XXXX airline miles. If American Express honors this and credits the additional XXXX miles, I will consider this matter resolved, but unfortunately I have been unable to get them to proactively act on this and need assistance.
XXXX took over my original loan and since then have been trying to foreclose on my mortgage. I 've never missed a payment and when I call them they are ver abusive. When I asked them if I 'm being descriminate against they said yes and the reason is because in XXXX 2011 I filed for bankruptcy. I 've been served for closing papers twice and I 've had strips of papers left on my door saying that an inspector was there to see if anyone lived in the property. I hope you can help me fast. Thanks.
Credit report shows these as unpaid debts. These are not my accounts. I did not authorize. I have no credit cards and have not for over a decade. Citibank for {$6700.00} opened XX/XX/XXXX and for {$660.00} opened XX/XX/XXXX. I believe this to be fraud and need for them to be removed from my credit report.
On XXXX XXXX my ex girlfriend sister XXXX XXXX took the authorized users credit card that was in my my wallet. She went and made a purchase at XXXX for {$1300.00} and then went to XXXX XXXX XXXX and made a purchase of {$250.00} dollars. I called Citi financial and they credited the chareges. On XXXX XXXX XXXX XXXX called Citi and said the charges are vaild. I dont know how she or even XXXX should have been able to access the account as neither had the new credit card number and I placed a new password on the account. I called Citi and explained the situation. The investigator said she would talk to her manager. She did call me back and left a message saying they were n't going to do anything, When I called back the reps I spoke to refused to transfer me to the investigation department. The reps also refused to tell me how someone could access my account without the password. When I added the password Citi assured me no one could access my account or make changes without that password. Citi refused to allow me to hear the calls of the XXXX or Sister saying these charges are valid I have an email from the authorized user telling me that she did not give permission to her sister to use the credit card. The email also states that she is sorry her sister did this. I also have text messages from the authorized user saying the same thing. I have also filed a police report. I gave Citi all of this info and they still refused to handle these charges that were unauthorized as fraud. Citi even told me they couldnt confirm who it was who called in and said those charges were valid. That is why I asked to hear the call and they have refused. Citi put these charges back on my account and has refused to investigate further. I now have {$1500.00} in charges placed back on my account that are fraud and unauthorized by me and the XXXX. Citi has failed to protect my account and follow the card agreement by releasing info to third party and making changes on my account by a third party. THey also violated the user agreement by not handling these XXXX charges totaling {$1500.00} as fraud.
Yes my name is XXXX XXXX I have sent a security deposit of XXXX to open a citi bank secured credit card. I had it for a few days when i called to have help creating online banking for my card. Somehow they think i was fuard and blocked my card. Its been blocked sense the XX/XX/XXXX. I tried everything in my power to unblock it and the number i have on my account they stated they cant verify it. I dont have a landline im XXXX why do i need a home number. The early warning citi bank would not let me cancel my card even if i cant use it. Their service is very rude and the people that i have talked to isnt even american. So i would like my card closed and the refund of the rest of my security deposit thats left. Thank you. I will never ever do buisness with citi every again in this lifetime Horrible service.
Sent a dated letter to this company which including information needed to verify debt ( name, account #, amount ) and the company claimed I sent a " frivolous '' undated letter without specific enough information!! They also have the incorrect account number written on the response letter they sent back to me.
XXXX XXXX HAS NOT BEEN UPDATING MY XXXX CREDIT REPORT AT ALL. IVE BEEN DISPUTING THIS ACCOUNT SINCE XX/XX/XXXX AND EVERY TIME THEY COME BACK WITH THE SAME ANSWER ON THE COMPLAIN. XXXX DOESNT REVIEW OR USED THE DOCUMENTS THAT YOU SEND IN AS YOUR WAY OF DISPUTING THE ACCOUNT. THEY CLAIM THEY DO A THROUGH INVESTIGATION ON ONES DISPUTE BUT I DONT BELIEVE THEY DO. I HAVE DOCUMENTS THAT SUPPORTS MY CLAIM ON WHY THEY DONT. ON XX/XX/XXXX I SENT IN A DISPUTE WITH XXXX ONLINE AND THE FILE NUMBER IS XXXX. I DISPUTE THE BALANCE ON THE ACCOUNT AND IT SHOWED THE ACCOUNT STATIC AS BEING OPEN. I RECEIVED DOCUMENTS FROM XXXX XXXX THAT SHOWED MY PAYMENT HISTORY ON THE ACCOUNT. THAT SHOWED MY FIRST PAYMENT ON THE ACCOUNT WAS MADE IN XX/XX/XXXX AND MY LAST PAYMENT THAT THEY RECEIVED WAS XX/XX/XXXX WHEN I TRADE MY CAR IN AND THE DEALER SENT IN A CHECK IN XXXX THAT PAYED OFF THE CAR.. SO ON MY CREDIT REPORT IS SHOULD SHOW 15 PAYMENTS ON THE ACCOUNT WHICH IT DIDNT SHOW. SECOND THE BALANCE SHOULD BE ZERO AND NOT REPORTING ANY BALANCE WHICH IT SHOWED ON MY REPORT. FINALLY IT SHOULD SHOW CLOSED AS PAY AS AGREE INSTEAD OF SHOWING OPEN WITH A BALANCE. I CALLED XXXX AND THEY STATED THAT THE ACCOUNT WAS DELETE WHICH I INFORM THEM THAT THE ACCOUNT SHOULD OF BEEN UPDATED AS CLOSE PAY IN FULL. I WAS INFORM THAT I WOULD HAVE TO GET IN TOUCH WITH XXXX XXXX ABOUT THIS. AWHILE BACK I RAN WITH THE SAME ISSUE ON MY XXXX XXXX CREDIT REPORT AND YES THE ACCOUNT WAS DELETE AND WITH THE SAME RESPONSE FROM XXXX XXXX THEY DIDNT DELETE THE ACCOUNT BUT WOULD LOOK INTO IT. I TALKED TO XXXX XXXX FROM XXXX XXXX AND THAT WHEN SHE SAID I WOULD NEED TO SEND A LETTER THAT STATE THAT I WANT THE ACCOUNT REINSERTED BACK ON MY CREDIT REPORT WHICH IT HAS BEEN BUT ON THAT REPORT IT REPORTING BALNCE WHICH IT NEEDS TO BE UPDATED AS CLOSE PAY AS AGREE NO BALANCE. I SENT AND I CALLED XXXX XXXX AND I SENT HER EMAIL ABOUT THIS AND SHE SENT ME EMAIL BACK STATING THAT THE ACCOUNT WAS DELETE. SO WHY WAS THE ACCOUNT DELETE AND WE RAN IN THIS SAME ISSUE ON MY OTHER REPORT. I DIDNT ASK TO HAVE THIS ACCOUNT DELETE I WANTED THIS ACCOUNT UPDATED AS CLOSED, PAY AS AGREE WITH ZERO BALANCE AND MY PAYMENT HISTORY REFLEXING FROM TIME OF THE LOAN WHEN IT WAS PAYED OFF. IT TIME FOR XXXX XXXX TO START TAKING RESPONSIBILTY ON THIS ISSUE. AND YES EQUIFAX ALSO. DATE OF LAST PAYMENT ON THIS ACCOUNT SHOULD BE XX/XX/XXXX THAT IS WHAT IS STATE ON MY XXXX HISTORY OR PAYMENT HISTORY FROM XXXX XXXX. EQUIFAX DATE OF LAST ACTIVITY IS WRONG AND I HAVE DISPUTE THIS TIME AND TIME. IT SHOULD SHOW AS DATE OF LAST PAYMNET WHICH IS XX/XX/XXXX NOT XX/XX/XXXX AND EVERY TIME I DISPUTE THIS EQUIFAX IS ALLOWING XXXX XXXX TO PUT IN ACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT CHECKING VERIFYING THE DOCUMENT THAT I SENT IN. WHEN YOU LOOK AT THE PAYMENT HISTORY DATE OF LAST ACTIVITY SHOULD BE THE SAME AS DATE OF LAST PAYMENT. WITH PUTTING WRONG INFORMATION ON ONES CREDIT REPORT ARE YOU AWARE YOU CAN LOWER SOMEONE CREDIT SCORE.
On XX/XX/2018, XXXX XXXX XXXX  ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to XXXX XXXX, and have yet to see it be reflected in my account. To date I have funded the account with {$500.00} that appears as deducted from my origin bank account but does not appear in my XXXX XXXX account.
On XX/XX/XXXX, I called because I knew I was going to be running behind and have trouble getting caught up with the one delinquent payment. Kia Motor Finance agreed to extend one payment to the end of the loan. I paid a fee on the phone and they sent an agreement to be signed and returned. The agreement was mailed on XX/XX/XXXX. I received it XX/XX/XXXX. My husband and I both signed it and returned it by both fax and email on XX/XX/XXXX. It was never applied. I have continued to make payments believing they were timely based on one payment being moved to the end of the loan. On XX/XX/XXXX, I had also asked that my cell phone not receive dialer calls and advised that manual calls were acceptable. I never received communication that my extension was not applied. I applied for a license for my business and it shows a delinquent credit bureau reporting and that was is late on the credit bureau is the amount of the late charges on the account, not a full payment. It is my understanding that late charges can not be reported as delinquent on a credit report, only actual payments. They did begin to also call me again on my cell phone by dialer. I called them earlier this evening and spoke with XXXX, XXXX, who has now removed my number. She said they had received the documents but had not called or sent a letter that it was closed prior to my receiving the extension and they would not honor the extension and as it had been closed, again prior to my receiving the letter. Attached below is the copy that I had also emailed to myself for records and the email time stamped at XXXX XXXX. I sent it as soon as I was able to at work that day. I request the late charges be removed, the credit corrected and the extension applied to my account effective XX/XX/XXXX when the documents were returned.
I have been paying XXXX XXXX and XXXX 's online catalog companies which are the /same company just 2 different divisions. I contacted XXXX 's spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX 's and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX 'S DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX 'S THEMSELVES. I THEN CALLED XXXX 'S CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX 'S AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.
This credit reporting agency will not update my account status to paid in full. Because this account is paid off.
I would Like to file complain against XXXX and Experian which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.
When applying for a credit limit increase on your site you there is a check box that indicates " By selecting this checkbox, I am allowing the bank to access my credit report, if necessary. Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' I NEVER selected this option as I am in the process of clearing my credit of all unnecessary inquiries. Based on your site I never authorized your company to access my credit report and thus you have violated my rights as an individual ... As proof I have also requested an increase on my credit lines on XX/XX/XXXX and did not give approval for access to my report and I woke up with alerts stating my credit report was again pulled without permission.. Please remove the inquires on my report from XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) and from the original complaint of XX/XX/XXXX and XX/XX/XXXX. Thank you!
We applied for a refinance with cash out from USAA mortgage. I am a 24 year Veteran and assumed USAA was true to its word about working with Military members and families. This turned out not to be the case whatsoever. We prequalified for the refinance and cash out value. Our processor said there should be no problem based on all our information : FICO score, small debt, very good income and equity in the house based on appraisal they received. However, they continued to ask for information they already received, and it got harder and harder to get correct information from them. Could n't get in touch with our processor many times. Phone messages went unreturned. She started giving us excuses that it was stuck here or there. They started playing games with us. Then, she told us it finally went to Title, but then when it was taking weeks and weeks, we wanted an explanation and she said the Title Company could n't find the information they needed on our county assessors website, which by the way, had been sitting on that site for weeks, so they told an outright lie. They sent us the Closing Disclosure with a closing date and a disbursement date. Then a closing document was sent to us with everything laid out for us to see, and the final papers would be sent after we reviewed everything with them. We called our processor and told her we received that document. She seemed stunned and told us to disregard that document and not to contact the name of the person who sent it. More weeks of stalling went by, when we finally called and told them WE WERE CANCELLING THE ENTIRE thing. We pulled out to go with a more reputable, trustworthy company. About a week and a half later, we received a Notice of Action Taken letter from them, informing us that they denied our refinance request based on " Value or type of collateral not sufficient. '' That document was altered from the one they originally sent us in the beginning, because we had to change the amount of the refinance from {$280000.00} to {$270000.00}, for which they said they would refinance us. 
This is such a joke! They did not deny us! We pulled out on them because of their unprofessionalism, their lying and their unscrupulous business tactics! If anyone wants to go on their website and look at all the complaints as well as other complaint sites regarding USAA, you will see the enormity of their problems which they are unwilling to address or fix. All this at the expense of Military members, XXXX XXXX and retired, that have already been through enough, then receive treatment like this from a company that puts themselves out there as some wonderful entity there for the Military. That is an inexcusable ploy and marketing tool to use, based on what is really going on. Do n't believe me? Read ALL the complaints! My complaint is completely true and would be willing to back it up with a polygraph. We request them to change the notice listed on your form, because it is a lie! and they will be responsible for any damage to our credit or financial dealings.
I received a collection notice in the mail, however never received a notice of right to dispute the charge. I do not have any outstanding debts and they are reporting to my credit erroneously. It appears this may be a scam to collect on debts that are not actually owed, because i have never received service from the medical provider that they are referencing, and as such there is no reason that i would have an outstanding balance with them.
I attempted to use my JCPenney credit card on XXXX/XXXX/15 and I was humiliated when my purchase was rejected. I was told to call a XXXX number. I called the XXXX number and I was told my account had been closed for " inactivity ''. I was told I must use my JCPenney card within 6 months or my account would be closed. 
I used my JCPenney card within 5 months without a problem, my account was still open in XXXX 2015 when I used my JCPenney card. 
I attempted to use my JCPenney card again on XXXX XXXX, 2015 and JCPenney had closed my account fraudulently. 
My account should NOT have been closed and this will be reported on my credit report as JCPenney account " closed '' due to inactivity which is NOT true. 
Prior to my account being closed, JCPenney also decreased my credit limit without notification. I was not notified as to why my credit limit had been decreased. 
JCPenney is conducting fraudulent activity to decrease customers credit limit without their knowledge and close their accounts when customers are not aware of their 6 month " inactivity '' rule. I was told I have to reapply for a credit card. 
My JCPENNEY credit card was used within their 6 month " inactivity '' rule my account should NOT have been " CLOSED ''. 
My JCPENNEY account should be re-opened and my information should NOT be reporting on my credit report as " closed '' due to " inactivity '', this is fraudulent information reporting on my credit report and my account was " closed '' fraudulently by JCPenney.
I disputed an account on my credit which was investigated by the credit bureau ( Experian ) and concluded. The dispute was concluded. The Creditor company, XXXX XXXX XXXX XXXX, concluded that I owe them for early termination of the account even though I canceled the account in less than 30 days of opening and returned their credit card processing machine to them. I contended that I do not owe them since I canceled the account on time and returned their equipment to them. They insisted that I owe them and concluded the dispute. 
However, they left a dispute comment on my Experian credit as if the dispute is still active even though it has been concluded. I want them to remove and delete the " dispute comment '' from credit since it has been concluded by them after the investigation by Experian. It is holding and preventing me and my wife from our mortgage application process. The banks and mortgage companies said they can not proceed with our mortgage application with the " active dispute comment on my credit. '' I need them to remove the dispute comment only and not remove or delete the account since they insisted that I owe them. The credit bureau ( Experian ) said that it has to be removed by the creditor company since they put it there. The XXXX XXXX XXXX refused to remove it even after I requested them to do so through Experian several times. 
I called the XXXX XXXX XXXX on XXXX/XXXX/15 and spoke the Account XXXX, XXXX XXXX, about removing the dispute comment. She agreed to remove it at start of our conversation. And she concluded with me that she will recommend to Experian to remove it. However when she requested that I pay the debt and I said that I could not, she became angry and probably do n't want to remove it again as she agreed to. It is on record that she initially agreed to remove it as they recorded our conversation. 
I have waited since XXXX/XXXX/15 when I spoke to her up till today XXXX/XXXX/15, ( I just spoke to her again ) and she has refused remove it. She referred me back the Experian to remove it. I called Experian again today and they insisted that the creditor has to remove it. Hence this complaint. The dispute comment has been on my credit since XX/XX/XXXX and has prevented me and my wife from proceeding with our mortgage application. We intended to buy and move into the home by now but we are being stalled by the dispute comment. 

PLEASE HELP ME AND MY FAMILY TO PREVAIL ON THE XXXX XXXX XXXX XXXX, FROM PUTING A HOLD ON OUR LIVES BECAUSE OF THE DISPUTE COMMENT ON MY CREDIT. 
Thanks. 
Sincerely, XXXX XXXX.
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I already reached out to the credit bureaus and to XXXX XXXX and XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything
XXXX, XXXX XXXX, experian and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim