WillisBack/dataset-financial-user-claim huggingface dataset:
On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX.
The credit card I am submitting a complaint about is my  Southwest Rapid Rewards Visa administered through Chase Bank. I appli ed for the visa card in  XXXX     2017 unde r the promotional offer of  XXXX  rapid reward points for spending {$1000.00} within the first  three  months of receiving the visa card. I fulfilled this contingency. After noticing I had not received the points, I contacted the  Southwest Rapid Rewards program to inquire about the points. They referred me to Chase since they administer the Rapid Rewards Visa.  On  XXXX   XXXX ,  2017 I contact ed Chase to inquire about the points. I was told by the Customer Service Representative that the promotional offer listed on my account was for  XXXX  rapid reward points and a {$200.00} statement credit. I explained to the her that I signed up for the  XXXX  points promotional offer through the link posted on the   Southwest Airlines   page. She then stated they would change it back to the  XXXX  points promotional offer and that they would have to bill my visa card for the {$200.00} statement credit they had given me and would then give me  XXXX  points since they had already given me  XXXX  points. I agreed and stated I understood this. She stated I would receive a letter outlining this information i n 2-3 weeks and the points would be added to my account within 2-3 we eks. After I did not receive the points or the letter, I contacted Chase again on  XXXX   XXXX ,    2017  and was told I would receive the letter as it was recently mailed. I received a letter from Chase bank dated  XXXX   XXXX ,    2017 on   XXXX   XXXX ,    2017  informing me that I signed up for the {$200.00} statement credit and the  XXXX  points promotional offer and that since it was beyond 90 days of opening my account, no changes could be made. I called Chase on  XXXX   XXXX ,    2017  and asked to speak with a supervisor. I spoke with  XXXX , the supervisor on duty, and explained to him what had transpired and explained to him my issues.  1 )  I signed up for the  XXXX  points promotion through the link on th e Southwest Airlines and n ot the  XXXX  points promotion.  2 ) T he representative I spoke with on  XXXX   XXXX ,  2017 assured  me the changes would be made . 3 ) I h ad no way of knowing there was a 90 day expiration for changing promotions because I was not aware that I had received the incorrect promotional offer until I called Chase on  XXXX   XXXX ,    2017. He  stated Chase would not make a change to the promotional offer I received. I informed him I suspected they are engaging in bait and switch tactics and that I would be filing a complaint with CFPB.
On XX/XX/2018, I made the payoff payment of my auto/leasing loan with FirstBank Puerto Rico number XXXX, this payment was processed a week later, First Bank PR continue reporting a wrong information in on my credit report with XXXX that is prejudicial to me. FirstBank PR continue reporting that the loan is active open and with past due balance plus 180 days affecting my credit. 


I made a dispute with XXXX XXXXConfirmation Number : XXXX -completed on XX/XX/2018 indicating that FirstBank PR indicates that account is open and on past due, information thats not correct. I contacted XXXX  on XX/XX/2018, and they indicated that still ( according to the last reported day of FirstBank of PR on XX/XX/2018 ), they are reporting that the account is " Open '' and on " Past Due '' with more than 180 days, the correct information must be " Closed '' and " Paid off ''. 

Yesterday XX/XX/2018, I contacted FirstBank PR by phone and they indicated that they are going to send me a letter so that I can send it to XXXX by mail. I let them know that they are responsible of provide the correct and updated information to the different credit reporting agencies. 

They dont provide any further resolution either take an effective action to correct their actions.
Capital Accounts failed to notify me of any alleged debt with their office. The account appeared on my credit reports to my surprise. On XXXX XXXX, 2016, I authorized XXXX XXXX XXXX , XXXX to dispute the alleged debt with Capital Accounts. Capital Accounts failed to validate the debt in accordance with 15 U.S. Code 1692g.
On Tuesday, XX/XX/2018 phone calls were made to multiple family and associates from XXXX AKA XXXX XXXX from JPL Recovery Solutions. This same individual left messages on both my cell and work phone number. 

On Tuesday, XX/XX/2018 at approximately XXXX XXXX PST, I returned call and left message I was not to be contacted again at my work phone. 

Between XXXX XXXX PST and XXXX XXXX PST he called my work line and employer 3 separate times. I returned the call at approximately XXXX XXXX  and spoke directly to agent representing himself as XXXX XXXX. I advised I had left a message the previous day I was NOT to be contacted at my place of employment. From there he demanded I tell him by XXXX XXXX  Eastern time how I was going to resolve my debt or he will attach my wages through XXXX XXXX of California. I asked for written verification of debt and said he would email it to me. Still have not received USPS written correspondence from agency. I advised he could not attach my wages without a judgement and not to threaten me. He said he wasn't threatening me, I repeated twice more to quit threatening me. I ended the conversation by stating " Good Day ''.  He immediately called my cell phone back and 3 more times my work phone. He has left intimidating messages from my over age daughters, elderly mother - in - law. Again today he calling my work phone and left a message for my mother. He left a collection type message on a telephone number I am not associated with.
I see a Debt added to my account for {$730.00}, opened XX/XX/2015. I have yet to receive in validity on the debt. When I reach out to someone the customer service reps acts as If no information can be given. I have disputed the debt because I have no knowledge of the debt, and yet still no validity of the debt has been sent so that I can take action.
I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information. The following accounts are remaining on my credit about even after I disputed it on several occasions, XXXX,XX/XX/XXXX and XXXX. I have supply my I did it though affidavit along with my identification and a police report and B 's in accurate items remain on my credit report. Items have been delete it from the other two agencies. The accounts are : ( Collections ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX was removed but put back on my credit report. ( Inquiries ) XXXX on XX/XX/XXXX
I disputed this debt which appeared on all 3 of my credit reports. On XX/XX/XXXX, and on XX/XX/XXXX, asking portfolio recovery to provide me with any viable proof of evidence with my signature I owe this debt. I pulled my credit report and still there was no comment regarding consumer disputing which is required by law. Portfolio deleted the trade line from XXXX, but not on XXXX, nor XXXX. Just recently, portfolio recovery updated the account as an Open collection on XX/XX/XXXX, for XXXX dollars. Portfolio recovery has continued to perform non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Also Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :
Medical Business Bureau is stating that my first date of Delinquency for the amount of {$360.00} was XX/XX/XXXX, but I was n't in the hospital until XX/XX/XXXX. The original bill is from XXXX XXXX XXXX, which was paid in full and I have supporting documents. XXXX has already honored my dispute and DELETED the item off my credit. I just need XXXX and XXXX to follow suit. I also have the hard copy supporting document showing that XXXX has removed this item from my credit.
I have a XXXX  XXXX XXXX  that was original financed @ GM Financial @ a  18%interest rate, After lowering the principle by payments I started a loan process for my XXXX  XXXX XXXX with XXXX XXXX XXXX XXXX. I realized the monthly notes were higher than the budget I've set for myself. I called and spoke with someone @ XXXX XXXX and cancelled the process, before I had completed closed,or signed a power of attorney to release the title. I thought it was cancelled as the representative assured me. I continued my negotiations with XXXX XXXX XXXX for a better rate and monthly payment, we reached an agreement, I paid GM Financial an additional XXXX on the principle balance as per XXXX XXXX XXXX   request  completed all the needed  paper work @ a local branch. I signed the agreement paid the appropriate licensure fees and power of attorney for title of the vehicle. The closing was on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from GM Financial stating That the car was purchased by GM and the title as sent. I know I didn't complete paper work or authorization for the vehicle to be purchased by XXXX XXXX. I have been calling all Financial institutions, since receiving the letter.  XXXX XXXX is willing to send the title back after they get their funds back.  This has been communicated to GM. GM has kept my XXXX dollars I paid. GM Financial have cashed the check for XXXX  in the amount of XXXX  ( the amount owed after my XXXX principle payment). GM Financial has also cashed a check for XXXX for XXXX XXXX.  I now have two car notes to two different companies due in the latter part of XX/XX/XXXX  I completed the paper work with XXXX XXXX,that is the company I want. I call GM nearly every day after being on hold from 30-60 minutes and I am getting different answers each time I call from it will be resolved in 48 hours until it could take 90 days. I always have to start the story all over to each representative and I believe he or she does not consult anyone or know the company's policy and wants just to end the call. I have not missed a payment since I had the vehicle, but I am semi-retired, I don't want to pay double. I need help to resolve this matter.
I received a phone call on XX/XX/XXXX from Comenity bank in regards to my XXXX XXXX  credit card payment. The representative informed me that I had a late payment, and he was absolutely correct. On XX/XX/XXXX my payment of {$35.00} was due but I was out of the country therefore I didnt have access to the internet to make my payment. The representative said that I had a minimum payment due for {$93.00}. I told him that the {$93.00} must be including a late fee and my XX/XX/XXXX payment and I asked if I could have that late fee forgiven since I am not typically one who misses payments. He told me if he was able to get my late fee waived would I agree to pay {$93.00} ( misleading statement ). I told him no, I agreed to pay my XX/XX/XXXX payment only if he was able to remove the late fee. He then again tried to lie as if my balance didnt include a late fee and {$93.00} was the minimum payment due on my account for being 12 days late. I told him that was incorrect, I agreed to pay {$40.00} for my XX/XX/XXXX payment. 

He then came back on the line and said that his supervisor approved him to waive {$15.00} of my minimum payment, did I want to pay my payment and the rest of my late fee with check or debit card. I asked how much was my late fee because I didnt want it to roll over to my XX/XX/XXXX payment. He gave me the amount which was more then the minimum payment due! I told him I wanted to speak with a supervisor to see if they would waive the whole payment and that I didnt appreciate him giving me misleading information as if my minimum payment due was {$93.00} just for XX/XX/XXXX 's payment. He came back on the line and said if they agree to waive my full late charge would I agreed to make the {$40.00} payment right now on the phone with debit or checking acct. I told him yes I would with debit card. He came back on and said they waived the late charge and go ahead with my bank information to pay the {$40.00}. After I provided him the debit card information he said he couldnt accept a debit card payment I needed to give him my checking information. I then asked him why did you ask for my debit card information if you can not accept that form of payment, and now youre asking for my checking information this felt like a scam and as if somebody was going to use my information fraudulently. And I then requested to talk to his supervisor again. He told me If I wanted to talk to his supervisor about my concern he was not going to waive my late fee. So I told him he needed to run my card payment for this transaction, I was not going to give my checking information, and at this point in the conversation I was willing to take the risk of not getting my late charged waived and wanted to talk to the supervisor. He then processed my payment for me. And gave me my approval information, but then asked if I still wanted a supervisor. I told him absolutely I did! 

Unfortunately I wasnt able to continue to hold on the line we had family unexpectedly show up at the house. However I am a little concerned about the representatives that we have to give our information to. Also, about the misleading information I was provided.
I Buy a service to XXXX XXXX through My Bank debit card of Bank of America, XXXX  XXXX Didnt bring me the service that i bought, so i call the Airline and they didnt solve me nothing so i calles Bank of America and start a Investigation for that transaction, the representative who attended me va phone call told me that in the next 24 max 48 hours the Bank Was going to Put in my account a temporary credit while the investigation is complete, after 48 hours i called again to Bank of America and the representative told me that in the next day ( 3 ) Days the temporary credit was going to be my account, today is the five days i called again today to the bank and told me that my temporary credit can not be placed until after 10 days because my account is a New account, my complaint is for false information to the client from Bank of America, if they dont place temporary credits before 10 days to News accounts, why the firts representative cheat me saying me that my temporary credit was going to be accredited in 24-48 hours, and why the Second representative told me that my temporary credit was going to be accredited in the next day? And the third representative told me something completly diferent to what the firts two representatives told me? Diffusion of false information? Cheating the client? Manipulation of policies for the convenience of the bank? I want that my problem be resolved now, that the XXXX XXXX  return my money, the bank make firts word that gave me when the investigation began, and compensation too for this horrible moment what happened to me and the credibility that i had with Bank of America.
XX/XX/18 spoke with my bank, XXXX XXXX customer service, to get new atm card. 
in process the agent went into a program from one of the 3 credit reporting agencies to " VERIFY ME '' ... This is the second time in a week I have had this horrible experience. 
What is happening is that the first question is : What is the prefix for the phone # ending in these last four digits..? These agencies are going 10 to 30 yrs back as what I have been told. I have a learning XXXX, but who the XXXX is going to remember the prefix of a 20 yr old phone # anyhow? The other call had asked me the same stupid question, and what of these four cities did i live in? I lived in two of them and told her ... she said YOU HAVE TO PICK ONE!! I did and obviously it was not the correct one for them. I was also asked whom I am closely .... associated with of four names ... none .... but one was an ex from 30 yrs ago ... People with learning XXXX and the elderly ( i am both ) are being denied services because they cant be 'VERIFIED '' through these credit agencies. The first one was getting a phone which I was denied due to this XXXX. Who the XXXX is going to remember obscure phone info and other info. from 10 to 30 yrs ago? Let alone the elderly and people with XXXX? arrrrrrg ... This is flat out wrong! like I had lived in two of the 4 options but was told I was wrong ... denied services..arrrrg. 
This needs to stop and stop now! it was as frustrating for the gal I spoke with as it was for me to deal with it. 
This is discrimination against XXXX people and the elderly at the very least ... 
Personally I dont think the avg. person could get all these correct. 
thank you. sincerely, XXXX XXXX XXXX XXXX
I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the XXXX XXXX due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.
XXXX XXXX claims Bank of America transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when Bank of America transferred it. However, XXXX indicated the loan was greater than {$80000.00} past due when transferred. 

On XX/XX/XXXX, XXXX Bank of America 's Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XX/XX/XXXX. Notwithstanding, the loan history does n't show any delinquencies after XX/XX/XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to XXXX. At the very least, XXXX 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.
For more than a month I have been receiving automated dunning calls from XXXX. The caller purports to be calling from Caine & Weiner, a California collection agency. The calls are directed to my cell phone. The call is directed to XXXX XXXX and asks for a call back to XXXX extn. XXXX. No caller name was provided. The latest of these calls occurred at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and today at XXXX XXXX XXXX, all XXXX. The debt is not mine. I do not know a XXXX XXXX. On XXXX XXXX I sent an email to XXXX, president and CEO of the firm, directing him to stop these harassing calls but they still persist. The email went unanswered.
I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only.
On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.
Nelnet increased my interest rate to 6 % ( from 3.25 % ) without my authorization because I am an XXXX who is on XXXX. I want my 3.25 % interest rate back!
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against? AD  ASTRA RECOVERY f or reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.
Contacted XXXX regarding a medical collection in the amount of {$1900.00}. I was told they have no contact information on the creditor, yet they ordered me to pay the posted amount. I do not owe this amount and was covered by insurance policies during this period. Need help removing this off my credit report.
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.