WillisBack/dataset-financial-user-claim huggingface dataset:
I opened AMEX premier reward gold credit card using the promotion code sent specifically to me. The mail contained XXXX or XXXX pages of document explaining all the great benefits/offers and highlighted XXXX bonus points as welcome bonus. I applied for this credit card mainly for that welcome bonus. AMEX approved it and I completed the requirement for the bonus offer. But AMEX did n't honor this because I have had this product previously. I claimed that AMEX never should have sent me this offer if that was the rule and they were completely silent on that. This is completely a marketing scam and luring customer with all the great promotions they will never honor. I 'm not talking about the general fliers or internet ad which targets anybody. This promotion and advertisement specifically targeted me in a mail with my name on it. They already knew I 'm not qualified for the promotion but AMEX lured me to open the credit card. I do n't expect this bad business from such a big company like AMEX.
I enrolled with a debt settlement company  XXXX . One of the accounts was a Bank of Ame rica ( BofA ) credit card debt.  XXXX  of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to BofA w ere initiated  XXXX / XXXX / XXXX  and followed on  XXXX / XXXX / XXXX ,  XXXX , and  XXXX . I received a piece of mail from a law firm in  XXXX   XXXX , AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of BofA. I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  BofA  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  BofA and c ould not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximatel y 30 min  after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by BofA, through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there may be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.
I made a payment over my phone in XX/XX/2018. The payment did not process correctly. Chase Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if Chase 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if Chase had had my correct address. 

XXXX XXXX XXXX
My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late
Citibank-XXXX XXXXt account. 
Back in XXXX we moved into a new home and didn`t have a washer and dryer. So, the wife said they have a sale at XXXX XXXX. So I went there and they stated I can put this on the XXXX XXXX credit card and save even more. So, I took one out. I was told I have a year to pay interest free.. No Payments for a year option as well. So, I started paying on it in 6 months. {$200.00} a month from XXXX to XX/XX/XXXX. Then I haven`t received any notification to pay any more. I thought I was done since after my purchase I cancelled the card so I don`t use it anymore except to use it for the payment purposes only ... 
So, if you add {$200.00} a month for 24 months of paying on it equals {$4800.00} on a {$1800.00} purchase. Okay 14 % interest ... Paid off, Right? Nope.. They sent me a letter stating I owe them XXXX????? WRONG.. They are trying to get a double pay out of me. 
Now that I told them that it was paid off since they haven`t sent me anything to pay for almost 2 years, it was paid in full. Then they said " Oh we sent out notices ''!! I lived in the same house didn`t change addresses and I didn`t receive anything for almost 2 years? 

Can you say FISHY, FISHY, FISHY ....
Third party collections bought my debt, which is 8 years old - 7 years ago. They have called my home, my work & various cell phone numbers no less than 4 time a day for in excess of 7 years. They pester me endlessly. Not only does this does this debt belong to my ex husband, not me, it has exceeded the amount of time to take action on and third party collections are non enforceable.
I was an authorized user on a XXXX XXXX credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.
I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility.
Used PayPal to transfer money and was advised that there was a cancellation policy. The policy is purposely misleading. There is no cancellation policy at all. Not only is there not a cancellation policy but the refund policy is extensive and takes 90 days. 

I was advised to have my bank do a reversal and my bank stated that there is no such thing as a reversal. I called back after speaking with the bank and the supervisor ( XXXX ) was rude and dismissive and hung up the phone. I called back and placed on hold for an indefinite amount of time. 

Preying on consumers and purposely holding onto their funds extended periods of time.
I have been working with XXXX XXXX XXXX ( XXXX ) and XXXX to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( XXXX ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to XXXX from the county as no payment was due. When XXXX received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the  payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX  to XXXX and that XXXX would need to reimburse me for the escrow shortage. I then began to work with different agents from XXXX to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with XXXX. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. 

XXXX, a ServiceLink company, Nationwide Mortgage Licensing System (  NMLS # XXXX ) XXXX XXXX XXXX  : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX
In XX/XX/2018, my student loans were acquired from XXXX by Nelnet and XXXX. Nelnet took over the federally subsidized loans and XXXX the private loans. Both appear to be divisions or entities of the same conglomerate. At the time of the loan acquisition, I had already rendered my XXXX monthly payment to XXXX. XXXX seems not to have received a transfer of the XXXX payment, but Netnet has. My Nelnet account is showing current, but my XXXX account has shown an incorrect delinquency since the transfer. Again, they are two divisions / entities in the same conglomerate, but can not communicate with one another to resolve this. I have called several times as well as sent in a statement for the XXXX payment made to XXXX twice. XXXX customer service is unhelpful and condescending - but the issue is that a payment that I have made is not being credited properly and I keep receiving factually erroneous delinquency notices with the corresponding indications that my account will be referred to collections. The loan transference from XXXX to Nelnet/XXXX was without my consent, has resulted in a higher interest rate and, on top of this, the monthly erroneous delinquency notices.
I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance
Equifax refused to investigate blatant errors regarding XXXX XXXX reporting. Instead they rubber stamped XXXX XXXX reporting without investigating. XXXX XXXX deliberately forced the consumer to eliminate paper statements and to rely upon the website for information concerning home equity loan. They processed XX/XX/XXXX payment before they processed XX/XX/XXXX payment. In addition they stated that the total due was for XX/XX/XXXX for the XX/XX/XXXX payment when in fact they knew that the payment oin that date would allow them to intentionally damage ones credit rating with all of the credit bureaus. They also did the same thong in XX/XX/XXXX when they indicated that the payment was due XX/XX/XXXX Equifax along with XXXX, and of course XXXX XXXX have rubber stamped these lies..It is ironic that my husband XXXX XXXX and myself made the complaints to XXXX XXXX and all of the reporting agencies about the same problem for XX/XX/XXXX. After over 10 attempts to get this corrected finally XXXX XXXX corrected but of course did n't look under the covers for their error on these 2 payments
While searching for a Mortgage Lender to re-finance my home at lower interest rate and for XXXX years vs XXXX years, this company offered the best deal. They initially offered a 3 % fixed mortgage w/ no closing costs and a credit of {$400.00}. I was requesting a subordination of an equity line of credit and was advised that we could not lock in on the rate until the subordination was approved. As the process went on w/ normal delays, the rate went up slightly. I had already paid {$400.00} for an appraisal fee. When we were getting ready to finalized the process my mortgage banker told me that they would not be able to offer the " no closing costs '' option and said in order to continue I would have to pay approximately {$4000.00} in closing costs. At this point I decided to discontinue the process and go elsewhere. I can understand the rates going up but the offer of no closing costs took me by surprise and upset me. I went back to my current lender and they offered me a lower rate and closing cost option.
The following accounts came back verified. 

I have never gotten any documentation on these and they do not belong to me. As per FCRA Section 609, Experian has failed to provide me with adequate verification. 

They also failed to investigate the item correctly and have not given me the procedures in how they made their investigation since these items can not be authenticated and I have never received any physical proof? 

Here are the items I am challenging : 1. XXXX XXXX XXXX / XXXX 2. XXXX / XXXX ... 
3. XXXX / XXXX ... 

I need to know who had the authority to report these to my credit reports since they rae completely out of line and these items have never been verified via proper signed documentation?
Since the latest large scale credit fraud breach, my credit report is filled with multiple credit inquiries that I have no knowledge of and I truly believe the inquiries are of a fraudulent nature.
Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..
XXXX XXXX  was bought out by Peoples. I had bill pay through XXXX, I was trying to log into my XXXX XXXX  account to see my online payments, but it was disabled & directs you to open an online banking with peoples, which I did. Unfortunately, Peoples only showed 1 payment on my active bill pay. I had a bill that I thought was paid on bill pay through XXXX but was not showing up on the Peoples. I made the payment through Peoples & now I see on my Peoples account that they withdrew 2 {$1000.00} payments from my account ( vs. only 1 payment owed ) upon calling the customer service rep says shes sorry but not all the bill pays have transferred over & I can not see what I have paid already!! How am I supposed to know if I paid a bill or not. Now, I AM OUT {$2100.00} from my bank account & the rep says I have to call the company and ask for a refund! THIS SHOULD NOT HAVE HAPPENED! This IS THE REASON I REMOVED MY MONEY FROM PEOPLEs previously & now I am forced to have them again. They obviously were not ready for the transition. What if I did not have the funds! This take over should have been more carefully monitored and this bank penalized for this incident. Thank you
I went to XXXX universities with the promise that I would get a job that would enable me to make good on my investment in student loans. XXXX My family took good care of me and wanted me to be successful, and I strove for that -- especially in the wake of my parents ' divorce. I was high school XXXX, ran XXXX, XXXX in school XXXX, etc. I had XXXX and XXXX GPAs at my universities, respectively. I am a good person, and I pay my bills on time. I currently have a full-time non-profit job. However, my credit score -- which is terrible on account of delinquent student loans -- is holding me back from obtaining everything my peers have obtained by this age, my parents obtained, and the generation before them obtained. It is made more tragic by the fact that at XXXX, when I was out of college and XXXX, that I began to have a breakdown. I was attempting XXXX I was facing. During this time, student loan companies began asking me for amounts of money that even with a full-time job I could not afford to pay. I ended up having to take extended XXXX leave and eventually resign my XXXX position. I was unemployed for a while, and could not keep up with any of my student loan bills. Years went by. I picked myself up, got work, sought ways to make myself better XXXX, and to become a productive member of society. I did all these things. Yet the companies that now own my student loan debt are holding me back from everything I spent the last 20 years of my life working for. Any amount of money I could even send them will not pay them off. It is hopeless, and it is wrong. I was a victim of my circumstances, I still suffer from bouts of XXXX, and I have XXXX documentation to prove it. I am asking for understanding and empathy. I am asking to be judged as the whole person, and not by sad events that happened when I was still practically a teenager. I am asking for all delinquent records to be expunged from my record. Permanently. I want this to then be communicated to all the major credit bureaus so that my score can increase. I want to be able to contribute to the XXXX economy by doing things like buying a home, buying a new car, etc. It is my right as an XXXX to enjoy the fruits of my labor. I worked hard as a teenager in school, then as an adult at every job I 've had. It is immoral to judge my ability as a consumer based on a downward spiral of events that happened XXXX. I am a good person. I have people who can attest to it. I 've never committed a crime, I 'm not mean to people, I donate to charity regularly. I never asked to be rich. I never asked to make XXXX figures a year, but it seems that 's the only way I would ever be able to pay back this debt. But the economy in this country does n't work that way, and people who struggle just to get out of bed in the morning like me ca n't even begin to process the insurmountable delinquent student loan debt I have. I suffered XXXX, and it is a direct cause of me being delinquent on my loans in the XXXX place. I am attaching a doctor 's report to prove this. Thank you for your time and consideration, and XXXX bless.
On XX/XX/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of {$2000.00} on XX/XX/2016. Shortly after I received my visa card ending in # XXXX. In XX/XX/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated XX/XX/XXXX & another XX/XX/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I called I ended up being transferred to there fraud dept which I found ridiculous since they changed the address & phone to my other account. After getting no response to my request I submitted a payment to the account above and received a statement with a credit of {$10.00} to the account. I noticed that the account stated that it was closed and to destroy and cards in my possession. I called to be told that it was n't closed, but under review? Unless I received the statement I would have never known it was closed and / or under review! On XX/XX/2016 I wrote Elan Financial a letter which on XX/XX/2016 they acknowledged by updating my address but failed to address the account closure / under review. This time they sent a letter confirming the address change to both the old and new address. We a coming to the new year and I am still waiting for an explanation for there actions.
Briefly, on XXXX XXXX XXXX, my spouse and I went to XXXX XXXX in XXXX Nevada to purchased a new vehicle. We heard from previous customers that XXXX XXXX has a Lifetime warranty on certain vehicles. We found a XXXX XXXX XXXX so we purchased it. The finance person asked if we wanted an extended warranty which confused us. Instead of arguing, we just said yes to the extended warranty. We put no money down and signed our contract! The next day, XXXX XXXX called us stating that we were not approved for the vehicle loan. XXXX XXXX also stated to return the vehicle or we need to put {$4000.00} down on the vehicle. On XXXX XXXX XXXX, we went back to XXXX XXXX and put {$4000.00} toward the vehicle and signed a new contract. Then, on XXXX XXXX XXXX, we received a letter and a warranty book from XXXX XXXX. The warranty book reflects the following ; multiple complimentary servicing, a complimentary tire for life coupon along with a Lifetime of Ownership Warranty. After that, we were very confused and felt that XXXX XXXX charged us an extra {$1900.00} for an extended warranty when they did in fact have a lifetime warranty! We then contact XXXX XXXX office and notified them. We contacted XXXX XXXX and XXXX said that XXXX XXXX does not offer Lifetime warranty. I notified XXXX that XXXX XXXX, there other company does in fact offer a lifetime warranty. I also stated that per Nevada law, if something is in writing, the business must honor what 's in writing! As of today, we have had issues with our vehicle and XXXX XXXX does not want to honor the Lifetime of Ownership warranty that they gave to all there customers. We feel that this is misleading and possibly criminal! The XXXX XXXX must be held accountable for their dealership actions which must be addressed! Please review our attached complaint along with the documentation provided which goes more in detail regarding this complaint.