WillisBack/dataset-financial-user-claim huggingface dataset:
I RECENTLY applied for American Express Business Gold Rewards Card via a WELCOME offer that i got in my Online Account at www.americanexpress.com. THE Offer was to get XXXX Membership Reward Points as Welcome Bonus after spending {$5000.00} within 3 months of account opening. ( I had this same card once in the past, and i had closed the account in 2013 ) American Express has a policy that " Welcome bonus offer not available to applicants who have or have had this product '' THIS IS MENTIONED ON THEIR OFFER TERMS. 

HOWEVER, MY OFFER TERMS Did not have this LANGUAGE Restriction anywhere which said that " Welcome bonus offer not available to applicants who have or have had this product '' I have printed the Offer Terms of my welcome offer as proof and am attaching BOTH the WELCOME OFFER PAGE AND OFFER Terms Pages to you as proof. Nowhere in my Offer terms it is mentioned that " Welcome bonus offer not available to applicants who have or have had this product '' I have also faxed/mailed my Offer Terms of my welcome offer which did not mention anywhere that I am not eligible to get this XXXX points since i had this card in the past, to American express customer service, however they are refusing to Honor my Bonus promotion offer saying since i had this card in past, they can not give me the Bonus 2nd time. 
I want your intervention in this matter and make American Express honor my promotion since my offer terms for the card i applied for and am approved, does not have ANY LANGUAGE RESTRICTION OR CLAUSE THAT SAYS " Welcome bonus offer not available to applicants who have or have had this product '' I know of a few people who have got this promotion 2 to 4 times for this same card as their offers that they had received did also not have this Clause restriction 'Welcome bonus offer not available to applicants who have or have had this product ' mentioned on their offers. 

So if other customers who did not have such offer restrictions have gotten this bonus promotion more than one times, why can not This company honor my promotion as my offer terms for this offer also did not mention any such language that states " Welcome bonus offer not available to applicants who have or have had this product '' I am sending both my welcome offer and OFFER TERMS to you as Proof, as all these pages ( my application offer page and offer Terms '' show the proof that there is no mentioning of the Language/Clause/Restriction " Welcome bonus offer not available to applicants who have or have had this product '' anywhere on my Offer i received from American Express company.
as directed by the federal law, local law enforcement and the FTC, I submitted my complete identity theft file to transition and their response to me by mail was that they declined it due to it being made in error, ( which it was not an error ), a misrepresentation of facts ( the facts are clear and I will attach them again, which included my tax returns showing my actual address at the time of the account creation ) or obtained goods or services, ( which I have not ),
Hello my mortgage was transferred from XXXX XXXX to this company called SLS Specialized Loan Services llc XX/XX/2015. before my loan was transferred I had a monthly payment with XXXX XXXX for {$580.00} per month including taxes and insurance, never missing a month payment. XX/XX/2015 XXXX XXXX increased my payment to {$630.00} claiming the insurance had gone up. After my loan was transferred in XXXX 2015, my first three months were the same at {$630.00} then my XX/XX/XXXX statement came with a new monthly payment of $ XXXX/per month. I then called this new company SLS and was told there is an escrow shortage, this company SLS increased my monthly payment again it then went from XXXX to XXXX plus an additional amount of {$270.00} per month. This amount is not adding up unless iam paying double and triple for escrow. Iam asking for this to be resolved please.
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Hello I am a XXXX % XXXX veteran who is affected by Hurricane maria in XXXX XXXX. Presently my home is unhabitable and I am staying in a Hotel paid for by FEMA. I quickly filed a claim with the insurance company picked by my Mortgage priovider, XXXX XXXX XXXX claim number XXXX. Back on XX/XX/XXXX an Appraiser went to my home and conducted an inspection. XXXX XXXX from XXXX XXXX a sub contractor for XXXX XXXX XXXX estimated my damaes at over {$80000.00}. I waited over 4 months for them to reply with a settlement. I was very shocked to hear they are only offering me {$29000.00} and taking away half plus deductible leaving me {$13000.00}. I contacted the banco Popular who holds my Mortgage. They basically told me there us nothing they can do. I filed a complaint with The Commission that regulates Insurance Companies in XXXX XXXX. They investigated and was told by the Insurance company that they are penalizing me because they say that I under reported the value of my home. They are saying the Value is over {$330000.00}. I purchased the home back in XX/XX/XXXX and the appraisel was {$260000.00}. I refinced last year into a VA Home Loan. The Appraisel from XX/XX/XXXX was {$220000.00}. The Insurance company refueses to listen to me or work with me. At this point I have a substantial amount of my savings invested in my home. I can not fix my home with the amount of money the Insurance company is offering me. I contacted the VA Home Loan Program and they also tell me there is nothing they can do. I find it unbelievable that the Insurance Company is doing this and actually getting away with it. I am at the end of my rope. My last option is to take a big lose and walk away from my home. So I am asking you for help. Can you help me with my situation?
I am writing to dispute  XXXX   XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
To Whom It May Concern : I am filing a complaint against Bank of America ( BOA ). 
I have had both Savings and Checking accounts with Bank of America since XX/XX/XXXX. After making some deposits into my accounts recently ( XX/XX/XXXX ), my accounts and ATM card had been frozen without any justification. When I went to the Bank, they could n't give me any justification or reasons as to why my accounts and ATM got frozen. 

Later, the bank issued a letter dated XX/XX/XXXX stated that they have made the decision to close my accounts and the balance will be mailed to me in a cashier 's check. 
I went back to the bank once again and demanded that I must know the reason as to what prompted the bank to come up with this decision. They would n't tell me anything and handed me a toll free number to contact. 

I called the toll free number ( XXXX ) many times and left several voice mails, but received no calls from the Bank authority. 

I received a cashier 's check with the balance that I had on my saving account dated XX/XX/XXXX. 

Finally, on XX/XX/XXXX, I received another letter from Bank of America stating that they have closed my account and remaining balance ( checking account ) wo n't be returned to me. 

I went back to the bank once again with the letter and asked why my remaining balance ( Checking account balance ) wo n't be returned ; the bank authority insisted that they have no information and asked me to call toll free number ( XXXX ). I obliged and called. Left voice mail once again and as of yet, I have not received any calls from the Bank of America. 

Please note that I had a significant amount in the checking account and as of yet, Bank of America has not returned my money that was left in the checking account. 

Bank of America also treated me as a customer very poorly. 

Attached please find some attachments that will help to determine how Bank of America dealt with me.
I have been getting calls from Harris and Harris for years now. I do not owe a debt that is now or has ever been owned by a Harris and Harris. I tried to contact them going back 3 or 4 years ago and explain whatever they are collecting is incorrect and not anyone at my number. I never get a person and can only leave messages. I try to leave messages every few months, but nothing changes. They still call every day around XXXX, again sometime in the XXXX XXXX and often again around XXXX. Every day. It hasnt stopped in almost 5 years. Its getting exhausting.
I would like assistance in getting NC State Employee Credit Union to review my loan for a one month deferment of the mortgage payment. I called the Credit Union on XXXX/XXXX/2015 and spoke to a person named XXXX. I explained that my mother died unexpectedly and I had to come out of pocket {$4200.00} to pay for a burial plot and autopsy. Because of this I am behind in making my mortgage payment by about 3 weeks. He said he would research if a one month extension could be done and call me back on Monday XX/XX/XXXX. I did not hear from anyone Monday XXXX/XXXX/15 or Tuesday XXXX/XXXX/2015. I called back on Wednesday XXXX/XXXX/15 and spoke to XXXX. She said that she would pass my account to XXXX and ensured me that I would get a call back. I did not hear from anyone the rest of XXXX/XXXX/2015. I called again on Thursday XXXX/XXXX/2015 and spoke to XXXX who said that the policy is that I can not get an extension if it was to pay an expense and if my hardship was under 30 days long. I explained that I was not requesting it to pay an expense, I 've already paid it and that is what has strained my cash flow. I explained that I was on unpaid leave from XX/XX/2015-XX/XX/2015, to which he said was n't a long enough time. I explained that I have XXXX checking account with the credit union, have XXXX auto loan currently, another car loan paid in full, a credit card, my mortgage, and a savings account. If I experienced a cash flow struggle in order to bury my mother, I think that deserves an exception to the guidelines. He agreed that it was unfortunate that the guidelines were not set up to assist my issue, but he had to go by the guidelines. He said that if my mother was on the loan, if I had experienced a medical harship instead of my mom, or if my mother had been sick 30 days instead of 21, they would be able to assist per the guidelines. He offered to approve a loan for {$950.00} to make the XXXX payment I 've behind, which basically increases my expenses even more and is no help. I would like to see if someone could review my situation looking at it from a " human '' standpoint rather than by a paper book guideline. I paid out {$4200.00} but only asked for one month ( {$950.00} ) worth of help. I could n't even get the Credit Union to honor their word to call me and talk about my situation. And when I get someone he says " your mom was sick long enough '' -- I think its beyond unfair, unreasonable, and flat out insensitive.
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all XXXX credit bureaus ( XXXX, XXXX, and Equifax ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the  matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Our car had a problem with the brakes, and we did n't have the money to afford the payment in cash, and our credit card did not have enough credit limit to make the payment. The person in the place ( XXXX XXXX XXXX XXXX ) offered to contact a lender and immediately we got approved Follow the approval announcement, the guy asked me my phone number, and I did receive the notification of the approval, and I gave out my bank account information to set up the monthly payments, which we did understand. We thought that the interest rate could n't be higher than 30 % or so. I did ask the guy if they will send the contract detail by mail, and he said that I should be receiving it in two or three days that never happened. Today, since they did not email any statements or detail contract, and we wanted to pay off I contact them, and I was very frustrate and surprise when they informed me that the amount was almost the same after we make several payments that in theory should cover the full amount plus the interest rate of 30 %. We never get the figure of " get money today and pay tomorrow ''. The terms and conditions were not clear, and we did not get notify in any way. They mentioned today that they sent an email with the contract, but we never got it, and they did not mail any monthly statements or even emails with the information of the payments. Just right now we knew that we have to pay 189.00 % in interest rate, when we expected to pay off the full amount.
Loan Depot advertised a product on their website that they do not offer, which is a stand alone 90 % LTV home equity line. I applied, they ran my credit and when they called me said I had to refi my first mortgage with them to get the home equity line at 90 %. That wouldnt make any financial sense for me because my rate is 3.24 % and they were offering 4.5 %
After repeated failed attempts to contact Wells Fargo concerning a duplicate account showing up on my XXXX credit report this issue still has not been resolved. Wells Fargo has reported an account with a minimum monthly payment that exceeds {$28000.00} to XXXX and XXXX that I know of. I have attempted to contact Wells Fargo to verify this information and they have refused to contact me. This is related to a loan received for payment to XXXX, Oregon
I have personally contacted Equifax, XXXX , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I deposited a check given to me because I won a judgement from XXXX XXXX, the check writer. I physically entered the branch, it is also the bank I bank in. I endorsed check 2, XXXX and asked it be cashed. The teller went into check writers account and okayed the check for the amount of XXXX. I then had the teller deposit XXXX and give me XXXX in cash. The bank, CHASE BANK, then kept the check for a week and after a week they sent it back for insufficient funds. Charged me XXXX and a XXXX per check that bounced, which they were two because they sent it back. I called the bank spoke to everybody up the ladder till I reached a manager, who informed me that they can do anything they want with my account for 6 months after check was cashed and the remaining cash then deposited. I went into the physical structure and they refunded my charges of XXXX. I went into the bank cashed the check, the funds were in there when I entered the branch, because she cashed it after checking his account, means that the funds were in there. They can't deny that.
This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.
Original Instrument # XXXX dated XX/XX/XXXX was modified on XX/XX/XXXX by Ditech. During modification the instrument number was recorded incorrectly by one number # XXXX. When this lien was paid in full the wrong instrument number was released. I have provided property reports and documentation from the XXXX County Recorders Office several times showing the lien was still in place. I have been in contact with Ditech since beginning of XXXX with XXXX resolution and no contact names will be given. I have attached several correspondence emails and documentation to get this resolved. Letters from Ditech dated XX/XX/XXXX shows they are working on the issue and I received another from XX/XX/XXXX not resolved. I spoke to XXXX, XXXX, XXXX, and XXXX who was supposedly a supervisor. I also emailed information directly to the lien department with no response.
Trans union failed to conduct a reasonable investigation. I requested to have my dispute in  XXXX    XXXX   properly investigated and needed to have specific information on how they conducted the information and what date and time they contacted each disputed item. I also requested that they provide the person whom they had spoken to so that I may contact them as well. They also took add many disputed items and reinserted them without prior notification as required by law.  Trans  union is in direct violation of the FCRA and must remove all disputed items including all inquiries. The information they are providing to potential creditors is erroneous and they have failed to follow the law as required.
My Continental Finance credit card was closed, because I could not pay the bill. There was a {$500.00} limit with a {$700.00} high balance. When I was able to pay the bill, the account was sold to a collection agency, XXXX XXXX XXXX. I settled the account for over {$600.00} with XXXX XXXX. This company closed, and did not report my account as settled. I called Continental Finance to inquire why they haven't updated my account as paid to the credit bureau. They said that they do not handle my account. XXXX XXXX XXXX handles my account, and gave me the number. I called XXXX XXXX XXXX, and they verified that the account was paid off, and provided me a letter to give to the credit bureaus. XXXX reported my account as written off after my dispute. I disputed it again, because it was paid off. They said that Continental Finance MTOB is reporting it as closed after the dispute, they sent them the documentation from XXXX XXXX XXXX. My problem is that I paid the account, and it is still hurting my credit with a balance showing that it was never paid. If I dispute it, the credit bureau should show the company proof that it was paid, and annotate my account accordingly. They should not tell me there is nothing we can do about it when I paid over {$600.00}.
I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay.
A CALLER THAT SHOWS UP ON CALLER ID AS " LOANCARE SERVICES '' REPETITIVELY CALLS THE ECLECTIC POLICE DEPARTMENT. THERE IS NO ONE ON THE LINE JUST A RECORDING THAT STATES " PLEASE RETURN OUR CALL AT XXXX. TODAY ( XX/XX/2019 ) THEY HAVE ONCE AGAIN CALLED 3 TIMES. I HAVE CALLED MULTIPLE TIMES AND ASKED FOR THEM TO REMOVE THIS NUMBER. I HAVE NO CLUE WHO THE DEBT BELONGS TO BUT THEY WILL NOT REMOVE OUR NUMBER WITHOUT THE PERSON WHO OWES THE DEBT CALLING TO REMOVE IT. THIS IS XXXX! THEY ARE TYING UP AN IMPORTANT PHONE LINE!!!
XXXX has significantly undercounted my repayments made under the Public Service Loan Forgiveness program. They have also mishandled the Income Based Repayment ( IBR ) process, forcing me into forbearance against my will. According to XXXX  it takes 7-10 business days to process the IBR paperwork but up to 1-2 billing cycles to apply it to my account. That's a ridiculous time lag and is forcing me into a forbearance program when there's no need for one.
I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.
I have received my credit report listing the following items I disputed. I have requested for several months Transunion to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Transunion has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.
Thank you for not providing all documents to us on this matter and we are n't fighting your judgement just saying thank you for that judgement