WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I tried to transfer my membership rewards points and I got a message stating that my account was under review. I am not sure why it would be under review when I legitatly made all purchases and I met every minimum spend requirement. If there was any returns I made sure to spend enough before the minimum spend time frame was up. I tried calling and talking to the membership rewards team and nobody could help me. I told them I urgently needed to access the points but they said in verbatim, wait XXXX weeks. For a company that prides itself on excellent customer service, this is absolutely unacceptable. I was n't rude, I politely asked for someone to review my account right now because theres nothing wrong at all. Please review the account that is frozen and allow me to access my points. I love american express and i look forward to continuing this relationship. Please do the right thing. 

Kindly, XXXX XXXX
They first called home number and denied son 's request to disclose what R & B corporation was operating business as, would only describe themselves as a " business ''. After ending call, she proceeded to call recipient 's workplace phone number and cellphone number. These communication tactics were invasive and recipient felt harassed. Furthermore, the collection agent made false statements regarding a debt owed and later in the call admitted that the payments made were found. Agent then proceeded to make more false statements saying mailers were sent to recipient, however, no mail regarding the debt owed was received.
XXXX and/or XXXX and/or Equifax have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct.

XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX  and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Gentlemen. 

Bank of America approved the borrower for a hamp modification back in XXXX 2014. Three times the borrower had to sign a modification document because Bank of America stated there was something wrong with the notarization. It appears to me that the first modification was signed and notarized correctly. Borrower got XXXX more modification documents to sign. XXXX in XX/XX/XXXX and XXXX more in XX/XX/XXXX. The XXXX in XX/XX/XXXX was executed in XX/XX/XXXX by Bank of America. 

Bank of America is now sending back Borrower checks. Bank of America needs to honor the hamp modification. Borrower has all funds needed to reinstate at modified payment. 

Thank you
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
I have inquiries on my credit files with XXXX and XXXX  from this company dated XX/XX/XXXX. I did not apply for credit from them on this date. I have an inquiry from XX/XX/XXXX,  that is a legitimate inquiry. I have asked the credit reporting agencies to remove these inquiries, but they do n't have to follow the law, so that was a waste of time. I have written to the company directly requesting documentation supporting their permissible purpose in accessing my files, but all I got I reply was verification that they did, in fact, access my files ... no proof of permissible purpose. Accordingly, pursuant to the FCRA, these inquiries should be removed.
I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.
I have a private student loan with Wells Fargo with a Guarantee Amount of {$14000.00}. This loan went into repayment status in XX/XX/XXXX. My current balance is {$15000.00}. I have continued to struggle to make my monthly payment for most of this period, which is currently {$190.00}. Wells Fargo will not offer any options to lower my monthly payment without refinancing. Due to credit issues, I do not qualify for refinancing without a co-signer. I currently do n't have anyone who is willing and/or able to do so. I ca n't afford to pay my monthly balance without the help of a parent. This parent helps as much as possible and typically contributes about $ XXXX {$150.00} of the balance. I am at the mercy of this contribution, which does not always get to me before my balance is due, which results in late payment fees of {$28.00}. I have incurred XXXX late fees since XXXX, which have only added to my balance and adds to interest paid. I am sending a letter to Wells Fargo along with a repayment request worksheet, which includes my current budget/expenses. I currently earn approximately {$450.00} a month. I work less than part-time due to XXXX issues that are preventing full-time work. Please let me know if you can do anything to help. I am endlessly crushed by this burden and feel horrible that I 'm adding that burden to my parent. I can barely make ends meet. I took out this loan to help pay for tuition at a private art school. I received XXXX for a XXXX. I have no complaint toward the college, they provided an excellent education, opportunities and excellent job placement. What I do regret is not knowing that teaching was not suited for me emotionally. I struggle with XXXX. However, the cumulative stress of XXXX contributed to an XXXX. This I could not foresee and I ca n't risk my health to work toward paying a student loan. 
Heartbroken, Just Another Suffering Student Loan Regretee ....
Numerous automated calls - up to 5 per day - when I answer, they hang up.
XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Asked them to remove but they did not. 
I did not authorize these inquiries!
XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. 

The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
This company Key Bank is reporting accounts that are past the statute of limitations on my credit file and many duplicate accounts. I have disputed and nothing has been done about my issue.
I had my credit pulled to purchase a new home and my current servicer, Nationstar/Mr Cooper has not reported my mortgage to the 3 major credit bureaus since last XXXX and the last payment they reported was 30 days late which is inaccurate and I have called and tried to discuss and have corrected and have not had any luck. I have called numerous times to try and get them to report my mortgage to the bureaus and even done a conference call with the company that pulled my credit and have had no luck. I am at their mercy to close on my new home as the lender needs the mortgage reporting and reported accurately.
Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house.
This is concerning synchrony bank account thru Walmart for {$1500.00} credit line ... A continuance of XXXX bank account issues. I 'm paying 22 % interest on the Walmart card but the told no interest can be paid till the balance is paid off but again I am charged 22 % interest on the balance monthly.. I 'm to be paying {$25.00} per month minimum I 've been paying {$40.00} collars average for months.. XXXX wo n't help me completely pay off the balance, so that I only owe XXXX place. Soon when they say that they understand, thats false because if the cared and understood then they would helphelp me out without the excuse that I am struggling ... Yes I am struggling.. Me I am struggling not the payments, those are ok but to assist I 'm to pay both, paid more then enough by the VA to afford it all but want XXXX to assist so that I only have XXXX debt that the VA pay can cover the other excuse I was given if something happens I ca n't pay.. Yes I can the VA pay is for life and direct deposit to my accountBut synchrony bank I charing me total 44 % interest 22 % monthly now and 22 % when the whole balance is paid off but if its accruing interest now till I go to pay it then I 'm being XXXX taxed on interest I 've tried to get heard but no one is concerned they are paid. But how to get the account gone I 'm trying to do the intelligent and I need assistance but everybody does n't care who is a real supporter
Established an IRA account for {$14000.00} in 2003. XXXX/Key Bank says they can not find any record of this account. You will see this account information in the copied documentation.
. I purchased the car from Santander Consumer I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks to tell me that I had the wrong vehicle, The paperwork on the vehicle that I had Vin number did not match, so they gave me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off.
Nationstar mortgage bought my loan from Ocwen loan and it 's been nothing but trouble ever since. I have never made a late payment on my loan in 13 years. Suddenly this company takes over my loan and starts treating me like a deadbeat calling me morning noon and night to tell me they have not received my payment-TWICE the representative found the payment while on the phone with me and I still got ANOTHER call that same night telling me my payment is late. They also can not explain to me why my escrow payment is higher ... not a good sign. Then they call to sell me more products all the time-very disruptive. I 've never had a problem with my XXXX XXXX Bill Pay payments being received late yet these XXXX just ca n't seem to match up account numbers with money-they have no customer service standards whatsoever. So, they want to complain and harass me about my payment being late yet tell me that they want to sell me more products. I do n't get it. I wish they 'd never bought my loan. There are a lot of complaints out there about them.
I,  XXXX   XXXX  believes that a major national bank has colluded several federal guidelines and consumer laws that were initiated to protect my rights as a consumer in the American economy. I attach items showing my fight against  XXXX   XXXX  and  XXXX   XXXX   XXXX  as Trustee. My argument has always been that  XXXX   XXXX   XXXX  had no financial right to foreclose, that my rights to an initial modification was voided by a trick imposed by a former loan servicer to obtain a default judgment of foreclosure. Now, after tens of thousands of dollars spent to avoid a foreclosure, I have a new law firm representing my interest called the  XXXX   XXXX   XXXX . Previously, I submitted a complete outline to the  Federal Housing Finance Agency,  Inspector Generals Office ( FHFA-OIG ). That federal agency is in position to give relief on my house indebtedness by legal precedent. The office simply shelved by request to intercede on the foreclosure/principal reduction matter. Now, as I have submitted multiple financial items for a modification that should have been granted years ago, my foreclosure is re-scheduled again. The foreclosure can not be scheduled while the mortgage is being transferred to a new servicer. My new servicer is known as Fay Servicing , LLC,   XXXX   XXXX    XXXX   XXXX ,  XXXX , IL  XXXX . This agency must cease and desist all further foreclosure processes immediately as such a servicing agency has not had the file in hand long enough to fulfill my protected rights under the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,  XXXX . Under federal guidelines, all foreclosure procedures must stop, and I request a full investigation into  why the Federal Housing Finance Agency, Insp ectors Generals Office ( FHFA-OIG ) never took my original request of  XXXX . This inconsistent way a massive federal bank such as  XXXX   XXXX   XXXX  can hire the finest of law firms, paying tens of thousands of dollars that will be covered b y the Federal Deposit Insurance Corporation,  all due to the  XXXX  national real estate meltdown, is a sham. Fay Servicing , LLC must contact the  ( FHFA-OIG   ) to reopen my case for initiation of a principal buy-down. My home is worth {$120000.00} by appraisal , and   XXXX    XXXX   XXXX  desires to foreclose on a {$220000.00} debt that shows a 90 % debt over value. I must be given proof that the  XXXX   XXXX ,  XXXX  foreclosure has been cancelled, and that a serious consideration is given on principal reduction to restructure the debt in question.
Today I received a response from Experian CFPB Report number # XXXX On the mentioned report, it states that Experian verified the information as accuarte with the Furnisher. I clearly requested per LAW how you contacted the Furnisher. Time, date and whom you spoke to. I asked for documentation on how you verified this information and Experian failed to provide any information in written to my address. Experian Violated the law.
XXXX & XXXX levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of {$800.00} and trying to get {$8000.00} more onXX/XX/XXXX. I called them on XX/XX/XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.
I still continue to receive repeatedly phone call all through the day from WELLS FARGO - ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX
I contacted XXXX XXXX and asked them to correct the inaccuracies that they reporting inaccurately. 

I contacted the credit report agencies and ask them to verify this account. 

I have been continually disputing this account. 

They continue to place new negative payment activity on my credit report for an account that they say was opened and charged of in XX/XX/XXXX and XX/XX/XXXX Please tell them that they can not continue to due this and make them correct all the incorrect information on my credit report or delete this account immediately.
I applied for a new XXXX XXXX business account on XX/XX/XXXX and was approved. I received credit card and started using it. 

Then, in XX/XX/XXXX, customer service employee XXXX XXXX blocked my account in violation to my cardholder agreement. XXXX requested my additional information ( social security card, driver license and business license ) which I provided him with. 

My account remained " blocked '' until XX/XX/XXXX when it was closed by another representative. I wasn't given explanation for the closure. The representative on the phone said " the bank doesn't feel like it ''. 

Since XXXX I scheduled payments to satisfy my monthly due requirements. The US bank doesn't process any payments. Any payments I'm trying to make by calling in get declined and my account falls deeper behind due payments. At the moment they charged me totally about {$200.00} with fees and interest but still don't allow me to make any payments and keep charging me. 

I called representative on XX/XX/XXXX and she insisted that my balance is {$0.00} and I don't need to make any payments. And them I was charged with late {$39.00} fee and interest and had to spend hours on the phone trying to explain my situation to csr supervisor XXXX. Luckily, the late fee was reversed but not the interest. 

My next due date is XX/XX/XXXX, the auto payment that was scheduled on XX/XX/XXXX didn't get processed and manual payment doesn't work. 

I tried to contact investigation unit clerk XXXX at XXXX ext XXXX but he doesn't pick up phone for the last month and doesn't return calls. 

Please help me close the account! The bank doesn't answer my calls and doesn't process my payments.
I have a similar name as another individual and received a call from Critical Resolution Mediation located in  XXXX , GA. The representative was named  XXXX   XXXX . She asked me if I was the person she was looking for and I indicated that that my name is the same as someone else but the SSN does not match.  XXXX   XXXX  then proceeded to say " well you just said your was the individual '' and I answered " my name is the same but not the same SSN thus I am not that person ''. Well she then proceeded to represent herself as an attorney and called me a "   XXXX   XXXX   XXXX   '' and hung up. I proceeded to call her back and she indicated that " you will not get the last word '' and hung up on me again. I am concerned that this may be scammer trying to obtain information or a unscrupulous debt collector who resorts to name calling in order to intimidate people. This debt is not mine and representing yourself as an attorney when you are not is a threatening tactic. Please do something about these people as no one deserves to deal with a business that would use  racial  slurs to get their point across.
I opened up a  BB & T  account on    XX/XX/2017 .   I received my card on  XX/XXX/2017 .   I made my opening deposit on   XX/XX/2017     of {$50.00}.   I made 3  XXXX  transactions Mobile deposit of {$490.00} And {$300.00} ATM deposit They held my cash and mobile deposit Then on   XX/XX/17     my mobile deposit was supposed to be made available then I was told by  XXXX  it would be available. Around  XXXX  I noticed my account was over drawn  XXXX  When I called they said it was a problem with my mobile deposit so I then asked what?   A  manager  told me he is n't sure but my accountant with be back in the positive by  XXXX  I told him I been trying to pay a past due bill and the bank has held up my {$300.00} cash I deposited The bank never gave me an available balance for my mobile deposit so you all have just taken my money for no reason. He assured me my money in full would be back in my account. This morning around  XXXX  my account had an available balance of  XXXX  So I went to go attempt to pay my bill that is past due and my card declined.   I called  BB & T  and the representative asked me more than normal security questions including my drivers license number Then to tell my the fraud department has put a hold on my whole account. With no explanation.   When I made my opening deposit it was made in a branch in which I showed my ID and signed my signature card The  BB & T m anager I spoke with assured my account was fine and he would wave all fees.     I
personally feel that my account is being froze because I told multiple BB & T representatives they have horrible service and after my {$300.00} was put back I would be closing my account. It 's been 3 days and they have refused to give my my cash out my account. And if it was a problem with my mobile deposit they have yet to let me know what or send me anything.
The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "
Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization
Open a XXXX  card back in XX/XX/XXXX. Paid all monthly payments due. In XX/XX/XXXX our payment which the bank sends out was sent 6 days ahead of scheduled, and they put a late charge on account saying they never recieved our payment. When the bank posted the cash check it show that someone wrote an account number on the front of check where the amount of check is written out and was cashed by citibank. I is NOT our account number, this account is a Sears account number and not ours. When we spoke to XXXX  ( citibank ) they refuse to listen and say we must send payment to bring up our account up to current date. We call numerous times got no help, and they keep putting on late fees. XXXX of XXXX, they put a late fee, I called, told them this was there fault, they removed it, kept calling them to see if they put our XXXX on our account which they did not. XX/XX/XXXX they took off the late fee, and said give them time. On the XXXX of XXXX another late fee, and now its the banks fault and we must pay up. As of today, I once again gave them the account number that they put the XXXX on which is on the check and told them it is not ours which they have nothing to show for.
I bought my home XX/XX/XXXX in Florida while going through a ruff time in my life. I was XXXX to XXXX in XX/XX/XXXX-XX/XX/XXXX. While XXXX i received missed payment on my credit report in which was not supposed to happen while being XXXX in the military overseas. My mortgage got behind while i was XXXX due to my ex wife was taking my pay but not paying my mortgage. When I return needless to say I got a divorce, had to pay almost {$8000.00} and then come to find out the next month BB & T wanted more money or they would start foreclosure proceedings, problem was, ex wife took most and then the rest was paid to BB & T. I attempted to work out a deal with BB & T numerous time but to a dead end. I had to hire 2 different law firms and make payments every month now for almost 3 years in which could 've been money on my home and not lawyers. When I got a divorce the Judge awarded me my home % 100 and my ex wife was NOT on my deed. BB & T was going to give me a modification but wanted my ex wife to sign as well but she refused being she was remarried and wanted nothing to do with me or my home so BB & T backed out and over a year later Im still dealing with this. As a XXXX veteran I have served honorably this country, and it hurts to have The Big Companies in America such as BB & T take advantage of veterans in this deceitful way, I have much more proof that my lawyers will be presenting soon but i wanted to warn my fellow veterans to be mindful and careful when doing business with BB & T.