WillisBack/dataset-financial-user-claim huggingface dataset:
i tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX points to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
I took out a loan from them thinking it was legal. After looking into my state laws they could only charge me 10 % they were charging me over 600 %. Violation in state law. I am protected under state and federal law. I do n't have to listen to no Indian tribe. I went to an attorney and they did n't respond to his request so he advised me that it is illegal and I do n't have to pay it.
I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!
XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, XXXX and TransUnion ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX
I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home!
someone started a comcast account under my social security number but its not me and gave no permission to do so
iam unable to obtain my  XXXX   XXXX  because of wrong personal date of birth on my account, the wrong birth year is  XXXX , whilst my correct date of birth is  XX/XX/XXXX , i have attached my credit report showing this information and my state id and passport showing my correct date of birth
I made a call to Equifax as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL.
I have Home Equity Line of Credit with Comerica Bank. I borrowed {$60000.00} from this line of credit in XXXX 2017.
These are my problems with this bank : 1. Bank did not send a monthly statement in XXXX 2017. When it did not come on time inXX/XX/XXXX, I called the bank and was told it was not coming until XX/XX/XXXX. As a result of this I did not pay due interest amount inXX/XX/XXXX because I was told that no interest was due which was incorrect. As the result, the amount of total loan amount increased.
2. Starting XXXX  2017 the bank does not send monthly statements to me by mail while they verified that they have my correct address on file.
3. I have been making payments towards my principal. The bank delayed posting my principal payments for all my payments and as the result the total loan amount increased. Here are specific payments. This information is from my online banking at XXXX XXXX XXXX : 1. This payment was for {$2.00}, XXXX. Payment check no. XXXX was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX  account on XXXX/2017. The payment was applied on XXXX/2017. This payment was not applied until XX/XX/XXXX but it was delivered on XX/XX/XXXX. Then on the statement with the closing dateXX/XX/XXXX, I was charged past interest amount {$290.00} and current interest amount {$250.00}. Why was I charged past interest amount when I paid XX/XX/XXXX and the payment should have been applied on time. But it was not, the posting of it was delayed. And this statement also shows on the 2nd page, interest amount {$230.00}. This amount should not have been charged.
2. {$2000.00} principal payment Payment check no. XX/XX/XXXX was sent to Comerica Bank Loan Center onXX/XX/XXXX/2017 and delivered onXX/XX/XXXX/2017. Funds were withdrawn from my ADV TIERED INTEREST CHKGXXXX account on XXXX/2017. The payment was applied on XXXX/2017. The payment was delivered on XX/XX/XXXX. It was not applied until XX/XX/XXXX.
3. {$2000.00} principal payment Payment check no. XXXX  was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX account on XXXX/2017. The payment was applied on XXXX/2017. This payment was delivered onXX/XX/XXXX. It was not applied until XX/XX/XXXX
4. {$2000.00} principal amount payment Payment check no. XXXX was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX  account on XXXX/2017. The payment was applied on XXXX/2017. This payment was delivered onXX/XX/XXXX. It was not applied until XX/XX/XXXX.
5. Another {$2000.00} principal amount payment Payment check no. XXXX was sent to Comerica Bank Loan Center on XXXX/2017 and delivered on XXXX/2017. Funds were withdrawn from my XXXX XXXX XXXX-XXXX account on XXXX/2017. The payment was applied on XXXX2017. The check was delivered onXX/XX/XXXXXXXX It was not applied until XX/XX/XXXX. I believe that because the bank delayed posting my payments, I paid more interest that I should have paid.
My identification was stolen in late XXXX, they were able to clone my credit and debit cards. They were able to steal thousands of dollars from my bank accounts. I fax them my letter from XXXX seeing that my identification was stolen and cards were being cloned. Plus I send them the affidavit as well but Experian is giving me a hard time to remove these items. # ( 1 ). XXXX, # ( 2 ). There are two XXXX XXXX accounts that were open in XXXX & XXXX. # ( 3 ) There is also a XXXX XXXX XXXX was Paid In Full and I was never later and they have it as a negative remark. I fax them several times proof that this account was Paid In Full, I even did a conference call with XXXX XXXX. Experian did fix this at first but about a month ago they change it to a negative remark. 
Thanks XXXX XXXX XXXX XXXX
I made arrangements with the original creditor to make monthly payments. A few months in, the creditor 's payment website was n't working, and I ended up mailing a check. As a result, the payment was a little late, and the account was sent to a third party collector. I made arrangements for payments to the third party collector. During that call, I was advised not to make any more payments to the original creditor, as they would not count towards this debt. I made no more payments to the original creditor, however, a couple weeks later the original creditor drafted an electronic payment from my checking account. When I contacted them to see what happened, the original creditor told me they could not give me any information about that payment, but that I owed the debt to the collector, and the unexpected payment would not count towards the debt. I sent a debt validation request letter to both the original creditor and the third party collector, and requested a written response. I have not received a written response, only a voice mail message from the original creditor.
My mother was on the phone with me the first time I called, XXXX hung up on me even when I gave authorization for her to listen. She called back and asked to speak with a supervisor who hung up on her, she called back again and XXXX was speaking in XXXX, my mother advised her we speak English and why she was calling XXXX hung up on her again.My mother called back and asked to speak to XXXX XXXX listed as the Vice President on their website XXXX said I 'm mother could n't listen to the conversation as she was giving me direction for the questions we had, he hung up on me. I called back and asked XXXX to send me the documents he had regarding this claim, he heard my mother talking to me and hung up again. 
I need a copy of the charges and how and when they were sent to me. Thank you
Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.
I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. 
Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. 
Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help me
I went onto Chase.com and paid my bill but the website somehow did not process my payment. I put my bill away and went back onto Chase.com the following week and noticed that the payment was overdue. I called Chase to explain I was certain I made the payment, but they would not remove the late charge.
I went to use my card at the ATM for a {$80.00} cash transaction the ATM printed a receipt saying an error occurred and that  XXXX  dollars was dispensed. My American serve account was still charged the {$80.00} plus ATM fees of {$5.00}. After calling customer service  XXXX  times to let them know what happen they still are refusing to refund the money to my card even though they can see that the transaction did n't go threw. The reason I have been given is that it takes  XXXX  to investigate and up to  XXXX   XXXX  to refund my money. I do n't understand why they have the right to hold my money when on their end they can see the ATM did n't give me the  XXXX . This is basicly theft for them to take money that I never reiceve and then refuse to refund it even though they know that the ATM did n't process the transaction.
On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. 

Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they payment.
I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of Experian which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and XXXX  how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX XXXX needs to be removed
XXXX XXXX is reporting a collection account from XXXX on My Transunion, XXXX, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
On XX/XX/XXXX I filed a complaint against LexisNexis for inaccurate information they have been providing to insurance companies. Please see report # XXXX. 

LexisNexis responded timely on XX/XX/XXXX. In their response LexisNexis claimed all the disputed information has been deleted. However, the updated report continued to contain the same information LexisNexis claimed was removed. ( see attachments ) " LexisNexis removed said claims fromXXXX XXXX XXXX XXXX . Auto insurance report. '' ( see attachments ). 

So either, LexisNexis never followed through and removed this information or LexisNexis never followed through and mailed me an UPDATED report. either way, LexisNexis never completed what they claimed to have completed. 
I have attached the letter LexisNexis sent to me along with the updated report. I highlighted a few examples whereas, an auto claim would contain my name but NOT me drivers license. The drivers license on most of the claims are from a family member.
I filed a complaint against Lexis Nexis for inaccurate information contain in their consumer files. Lexis Nexis has several different division and consumer files which I disputed inaccurate information with the following consumer files : XXXX, XXXX, XXXX, XXXX and XXXX. To date only one report has been confirmed corrected. Lexis Nexis is refusing to correct or remove inaccurate information specifically the XXXX XXXX XXXX XXXX XXXX and reselling, data sharing and marketing inaccurate information contained within their consumer database/reports. 
I have disputed the information as inaccurate, identify fraud and requested removal of the information and OPT OUT of their database, data sharing, reselling and marketing of my personal information. To date Lexis Nexis is refusing to remove the inaccuracies and remove me from their data base.
JPMorgan has withdrawn money from my money market account without my knowledge or permission and has created a deficit or negative balance in it as a result. Simultaneously, it cancelled a recurring, prescheduled bill payment from my checking account to a student loan servicer, XXXX, without my knowledge or permission. Furthermore, again without my knowledge or consent, it completely eliminated XXXX as a payee I set up so that there is absolutely no trace of it or easy access to all payments that were made to it for several years. The last electronic payment made to XXXX from my JP Morgan checking account occurred on XXXX XXXX 2015, transaction # XXXX. This kind of raiding of my account, causing deficits in my account, cancelling scheduled payments and causing me to fall behind on a student loan payment, apparently, in collusion with XXXX, is an outrage that JPMorgan should be seriously sanctioned for and prohibited from ever repeating. Why are they allowed to arbitrarily take money from XXXX of my accounts, cause negative balances in the process of doing so, cancel legitimate bill payments that have been in place for years and collude with a student loan servicer so that my regularly scheduled payment is not made?
After encountering at least eight different serious problems with this credit card from Citibank -- including harassment and retaliation which included repeated unwarranted instances where my card was not accepted while I was traveling in the U.S., at places I often travel to, for small charges, such as around at {$8.00} at gas stations even after I entered my zip code, and even after I had repeatedly complained that this should not happen -- I decided to cancel my card because I refuse to do further business with a company whose behavior is either fraudulent or grossly negligent at best. I called on XX/XX/2017 to cancel my cad and went through all procedures to do so, and was unequivocally told it was closed. Then weeks later I receive another bill that included service fees and late charges for the annual fee. When I called in on XX/XX/XXXX, to a person with the XXXX, she admitted that the notes indicate the account should have been closed but was n't ; they had no explanation. I have requested call backs multiple times from someone at the executive level who could review this issue, as this is a serious issue of fraud, and of course no one ever has. I received one voicemail message that left the generic XXXX number again ( when I explicitly told them no to do and have only someone at the executive level who would leave a name if i was n't here call ) : when I called them on XX/XX/XXXX, XXXX, Maryland, said the notes did n't even indicate what the issue was, which again shows how negligent they are, I again told them I wanted someone from executive to call me and no one has.
Sunrise Credit Services is attempting to collect monies owed to XXXX XXXX XXXX for cellular services ( {$700.00} ) which were discontinued in XX/XX/XXXX. At the time that I discontinued service, I had two phones on installment plans which do require a payment to fulfill the terms of the agreement with XXXX XXXX XXXX. On numerous phone conversations over the last year, I have requested an itemized bill detailing the charges to demonstrate that the money they are indicating is owed, is actually owed. It is my belief that there was an extra month of cellular service added to the bill for which I was not using the service. Since I was not under a contract for the service, there are no early termination fees or requirement to pay out the service to the end of a contract period. 

Sunrise at one point sent me a bill with only the total owed, not an itemized bill as I requested and is my right. Sunrise stated they did not have the information on the itemized charges and returned the account to XXXX XXXX XXXX for verification purposes. To date, I have not received the requested verification of the debt in an itemized bill, however, when I checked my credit report, I identified a derogatory collections account related to this matter. As I have asked numerous times for an itemized bill detailing the charges applied by XXXX XXXX XXXX in order to verify the debt was accurate prior to paying which have not been provided by the company, it is my understanding that the reporting to the credit agencies as a delinquent collections account is not only erroneous but in violation of the FCRA. 

I am requesting through a more formal process for the company to provide me the ITEMIZED charges with the total amounts owed for each phone and the charges that are included for service charges, to include dates of service for any additional charges. Once that is received, I will have the ability to verify that XXXX XXXX XXXX was not overcharging based on the date of transfer to a new cellular provider and I will be willing to pay what is actually owed. I am also requesting the the negative marks/reports on my credit report be removed as this has been detrimental to my ability to receive a mortgage prior to interest rates rising. As is demonstrated through my credit report, I have not had any negative accounts for years, and due to the failure of Sunrise and XXXX XXXX XXXX to comply with the written verification of the debt requirements of the FCRA have now experienced harm to my credit rating.
On XX/XX/2016, I initiated a money transfer to XXXX to a family member in the amount of {$1000.00} + {$5.00} money transfer fee. The money was withdrawn from my bank account XX/XX/2016 and I was told the money would be available for withdraw XX/XX/2016. I checked the account status on XX/XX/2016 to ensure the transaction completed as promised by Western Union, the online status stated in process or pending. I called Western Union and I was transferred to the fraud protection unit. I was told my transaction was denied for my protection and that the funds would be refunded. Apparently, the transaction was denied and a refund was initiated prior to my knowledge and I should have been reimbursed on the XXXX. With each phone call, I would get a promise to refund my money. Eventually, I was told there 's nothing they could do because it 's a computer glitch beyond their control. I was also told to stop calling and that they would contact me when the " computer glitch '' is resolved. I requested a paper check and I was told because it was an electronic transfer, they can not give me a check. A few weeks later, no call from Western Union. I then called customer services and I was told to submit my bank statements to ensure that the money was withdrawn and not refunded. If clear, I would receive my refund in 24 hours. I submitted the statements to the provided email and still no refund. The customer service reps were relentless in telling me what I wanted to hear. I was getting transferred to " supervisors '' and different department, all led to no one that could help me. It 's almost 6 months later and the issue is not resolved.