WillisBack/dataset-financial-user-claim huggingface dataset:
This will reference complaint XXXX AMERICAN EXPRESS AND TRAVEL RELATED SERVICES as stated in the previous above captioned complaint AMERICAN EXPRESS continues to fail in examining the facts surrounding my request for credit and removing this from my credit. I was given XXXX XXXX XXXX ( XXXX ) times by XXXX XXXX XXXX, XXXX TX. for the wrong diagnosis. The doctor is no longer with the firm. AMERICAN EXPRESS does not take my dispute/complaint seriously and just regurgitates the correspondence received from XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to determine the actual cause of the problem. The doctor remarked that there would never be any improvement in the XXXX as a result of the XXXX XXXX done by XXXX XXXX XXXX as they XXXX XXXX XXXX XXXX. It is my opinion that after all my research and work that AMERICAN EXPRESS 's only concern is keeping a satisfied merchant. Further it is obvious that AMERICAN EXPRESS is ignoring the center of the issue and basing there explanation ( s ) on the fact that the charges are valid because the services were rendered. My dispute ( s ) are valid and AMERICAN EXPRESS needs to realize the validity of my claim ( s ) as the are not frivolous and have merit. Their merchant made a  mistake and should not be compensated or rewarded for malpractice. I have tried to reason with AMERICAN EXPRESS but to further prove their lack of concern, each time I call to dispute they refer my calls to collections. AMERICAN EXPRESS is now on their second collection firm, the first being XXXX XXXX and have now given it to another firm ( since XXXX  could not get anywhere ) to whom I have written and explained the situation and have asked them to cease and desist from calling me. Clearly AMERICAN EXPRESS is now harassing me. AMERICAN EXPRESS needs to do what is morally correct and charge back the merchant and remove this from my credit.
XXXX XXXX XXXX trying to collect a debt of XXXX. And already reported me to the credit bureaus when in fact I do not owe anything from original Creditor XXXX XXXX XXXX. XXXX Report No. 1XXXX. Attached a copy of certificate of full payment from XXXX XXXX XXXX.
SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.
Manager there told me that she answers to no one. I asked where I can report her and she said there was no where to report her and there was no need to try as my problem will only be solved through her. Luckily we live in the day of information. I would highly recommend reviewing the number of complaints about this facility. XXXX reviews show that every person who calls gets this same treatment.. The manager I spoke to informed me that she answers to no one so I assume that 's how she runs her whole department. Absolutely ridiculous.
Back in  XXXX  my loan was paid in full to  XXXX   XXXX , then in  XXXX  and  XXXX  receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in  XXXX  I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that   XXXX    XXXX  transfer my loan to them. Now my cousin that I was staying with back in  XXXX  told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer  EDUCATIONAL CREDIT MANAGEMENT CORP  IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of  customerservise@ecmc.org . and  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My   XXXX     XXXX  loan number is   XXXX    XXXX . The lender fiscal address is  XXXX  south  XXXX   XXXX ,   XXXX     XXXX .  XXXX , MN,  XXXX . Phone number is  XXXX
Equifax improperly stored my financial information. Their negligence has lead to the release of my information.
XXXX XXXX XXXX, XXXX, FL BIG PICTURE LOANS Took out this loan for XXXX dollars expecting to pay off XXXX dollars of finance charge for the first month payment which I paid and the rest in installments with no more finance charges or penalties. Every month they are still adding outrageous finance charges and applying principles. This will eventually make a XXXX dollar loan turn into a XXXX dollar loan over time. They are a very deceiving company in all of their practices. Communication is poor and its like the representative are reading script. the company is Big Picture Loans.
I am filing a complaint against Lanier Collection agency wrote them letter requesting information. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in from XX/XX/XXXX-XX/XX/XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. They sent me back XXXX pages with total charge and a description the procedure I was supposedly had gotten. They refused to send me anything with my signature provide them service to release any of medical information which is a violation of HIPPA. I never agreed to pay them anything nor do I know who they are. I am unaware of these bills ; these are not my accounts. Then I tried to call to informed them they may have to wrong person. They were extremely rude.
You claim nothing can be done and you will no longer respond, I have now taken this complaint higher than the executive office. It seems the executive office can not keep their story straight so must go above them. Thank you,
Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.
INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX HARD INQUIRY ON XXXX  HAS BE DELETED
I called U.S. Bank ( where I have several bank accounts ) and applied for a Credit card with 0 % balance transfer for 20 months. I spoke with a teller named XXXX at the U.S. Bank in XXXX, KY. I gave her the account information for the 2 credit account balances I wanted transferred to the U.S. Bank credit card. On XX/XX/XXXX, I saw new credit card had a balance so I assumed the credit accounts I wanted paid were. I found out that U.S. Bank paid the wrong credit agency the amount that was to be paid to my Visa XXXX credit card. I called the XXXX branch and explained the sutuation. They they will have to research the issue and that I will be liable for the debt on my US Bank credit card, even though the bank paid the wrong creditor. They also said this issue can take up to 90 days to resolve. I know show I owe twice as much credit card debt then I really do. US Bank has acknowledged their error, but has not fixed it.
Transunion on there response number # XXXX response of to many inquiries is none but 1 in XXXX. transunion also say inquiries as when I had opt out in XXXX & XXXX had to file complaints several times to why I had inquiries as well as wrong information on my credit file that was place on my credit file but not justified by transunion as they was deleted. Also my score went down 42 points after 4 creditors requested that the tray line be removed due to court order and errors in which Transunion took my credit score down with no justification with ETC is no answer on transunion part due to there is no reason for my score going down after the removals. also Transunion did not check the accurate of the creditors after I file disputes on the creditors and even with Documents uploaded to Transunion they did not reply or accept court papers that they did not apply in a timey manner. Also Transunion has issues on a timey matter back from creditors that are or should not be on my credit on opt out in which for months that went on by Transunion.
Bank of America was sending my statements to somewhere unknown. Bank of America invalid info they had on file for me. 
XXXX XXXX XXXX XXXX, XXXX, Florida XXXXthe person that used that money was n't me and I refuse to pay it. They put interest that brought it up to XXXX and added a charge off on credit. They made me look delinquent with their mistake. Trying to make me pay for stuff that I did n't do which is not right. They have the wrong address and wrong phone numbers for me I have utility bills going back to 2010. So their information is false and I have proof. I called them last week seen what they had on file and told them to update my information.
XXXX XXXX XXXX. and XXXX XXXX.

are both out of line. I've already submitted a complaint about XXXX.

EXPERIAN has false creditors on my credit and even though i have disputed it along with the phone XXXX XXXX  address they had marked on my report they still allowed those false claims to remain.

Its not judicious for them to have everyone with a high score so they add, create, or keep things that shouldn't be there so the rating will drop.

Its all about ( shekels ) commerce. I command them to delete these erroneous things and make peace.

I'm one of the few who monitors my report.
I have notified this and multiple other agencies that have attempted to collect the same debt that it was already paid off. I have sent numerous faxes, emails and spent countless hours explaining I have already paid this debt off in XX/XX/2012. Yet, periodically, I continue to be contacted by this and multiple other debt collection agencies.
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX, XXXX and XXXX were the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
XXXX XXXX RAN MY XXXX ON XXXX XXXX AND EXPERIAN IN ERROR WAS SUPPOSED TO BE SOFT ONLY.
I opened a Citi Gold Checking account in XXXX 2016 by using a promo code which offered a XXXX XXXX miles bonus. I believe I have met all the requirements to receive this bonus. However I did not receive the bonus. I also contacted Citi customer service many times about this issue and were told the bonus would be posted to my account within 90 days of account opening. Unfortunately the 90 days deadline had far passed. But I still have not received the bonus. Therefore, I believe Citi bank has failed their promise on this. I am requesting Citi bank to honor their promise and post the bonus as soon as possible. Thanks
Bought a new car from Santander consumer USA as financing company. The car was taken by the city of New York for {$350.00} parking ticket. When I decided to payoff the ticket, the ticket amount was increased to {$3500.00} out of desparity. I called Santander consumer USA and made an arrangement to pickup the car for the {$350.00} which was XXXX and reasonable. Santander and I agreed that they will void the financing agreedment in place and I have to buy the car back at the same prevailing price as a repurchased. That, the original contract will be voided without any commitment. And, a new contract will be executed moving forward. They got the car from the city of New York and I signed and sent back the current attachment. The term was, pay {$150.00} on XX/XX/16 pick up the car with same amount. A new purchase contract was never provided as required by Federal Truth in a Lending and Billing Disclosures act. I had issued a check that the bank had returned with put any reasons. Santander consumer USA stole the  car from my driveway the same day without any legal warning or been inform by return check. I would have provided an alternate payment and I had overdraft protection with my bank. The Federal law states that I have sixty days to dispute a debt. The original contract was voided and a new executed contract attached was provided which I signed and perfected to. There was no repossession clause and late payment.
XXXX coded my emergency visit under dental so insurance was not covered. The bill was very high and could not pay for it so they sent this over to collections. The company called me several times and said that if I paid them this would not affect my credit in a negative manner. They put negative remarks on my credit even though they were paid
Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Equifax is reporting. I have informed Equifax that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX.
On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. 

On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. 

The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. 

The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.
I have been at SunTrust since 2007 and an employee XXXX with that company. I just received my XXXX to further my career in finance. I have been in banking over 28 years. Unbeknownst to me, my daughter gave her bankcard to someone and they deposited a check to our joint account and was able to withdraw every dime from the check seven hours after the check was deposited in an ATM. The check was for {$2400.00}. I was told the funds were made available due to our relationship with the bank. All accounts that had my name on it were restrained to debits pending investigation including my son 's account. 
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.
In XX/XX/XXXX I entered into a legally binding Modification Agreement with Seterus Inc., the servicer of my mortgage. On XX/XX/XXXX I was told by Seterus Inc. that I did not make the three trial payments required before accepting the Modification Agreement, although I had made each payment on time. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX reiterating that I did not complete the trial payment period, therefore, the Modification Agreement had been revoked. I immediately sent proof of each payment ( 3 ), including the first Modification Agreement installment XXXX 4th payment ) for the month of XX/XX/XXXX. I made the first payment of the new agreement in hopes of Seterus Inc. quickly realizing their mistake, making the necessary adjustments to the new loan amount and sending a new Modification Agreement. I sent the second Modification Agreement payment in XX/XX/XXXX only to have the payment return for reason stated, " Failure to sign and return the Modification Agreement ''. Again, I received notice on XX/XX/XXXX that the Modification Agreement had been revoked for failing the trial period. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX apologizing for the false claim ( letter of XX/XX/XXXX ) that I had failed the trial period. XXXX XXXX acknowledged the three trial period payments being received but did not recognize the payment made in XX/XX/XXXX as the first installment of the new loan agreement. XXXX XXXX began requesting the now revoked Modification Agreement to be signed and sent with payments beginning with XX/XX/XXXX. Since then, I have requested from Seterus Inc. XXXX XXXX XXXX XXXX on numerous occasions, an updated Modification Agreement acknowledging the first installment being paid in XX/XX/XXXX. Seterus Inc. has refused to send a revised Modification Agreement, continuing to request the signed Modification Agreement issued back in XX/XX/XXXX, and payments beginning with XX/XX/XXXX. I finally, signed and returned the now seven month old, revoked Modification Agreement and again requested confirmation of payments due, stating, again, that I have already made the first installment due XX/XX/XXXX. On XX/XX/XXXX Seterus Inc. XXXX XXXX XXXX XXXX acknowledged receiving the signed Modification Agreement but continues to demand the XX/XX/XXXX payment of which was received and deposited by Seterus Inc. on XX/XX/XXXX I believe this to be a deliberate attempt to prolong the service fees Seterus Inc. collects for servicing a loan threatened with foreclosure. It is beyond comprehension that, at this point, this is an oversight or miscommunication of some sort.
I mobile deposited an XXXX XXXX check to my Wells Fargo checking account on XXXX/XXXX/XXXX, XXXX XXXX 
Wells Fargo put a hold on this check till XXXX/XXXX/XXXX to verify this transaction for my security. 
I found out, there is a federal regulation to put a hold on suspicious checks for XXXX business days, not for XXXX days. 
XXXX bank is on this planet, even on the same continent. 
All it should 've been done, was a phone call, to XXXX bank to the other to verify the transaction, this is just a frustrated customer talking out loud ....
On XX/XX/XXXX, Equifax announced a cybercrime identity theft event potentially impacting approximately 143 million U.S. consumers, I was one of those affected. Equifax exposed my SSN, address, name, DOB, and potentially other information to hackers.