WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I booked a reservation at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX through American Express Business Travel. Per the reservation confirmation from American Express Business Travel, the reservation included a no-show fee of XXXX Euros in the event the reservation was not cancelled before XXXX the day of arrival. Due to changes in my travel plans, I was required to cancel this reservation after XXXX the day of arrival and should have been charged XXXX Euros as a no-show fee. However, the hotel charged my credit card XXXX Euros without explanation for why it was in excess of the XXXX Euros outlined in my hotel confirmation. Therefore, I was overcharged XXXX Euros ( XXXX - XXXX = XXXX ). I contacted the hotel but was unable to resolve the issue due to language barriers. Therefore, I disputed the charge with American Express on XX/XX/XXXX and the disputed amount in USD was {$220.00}. American Express was unable to resolve the matter with the hotel and provided me the credit of {$220.00}. Subsequent to this resolution, the hotel charged my credit card for XXXX Euros to try and recover the amount that American Express credited me as a result of the dispute. As soon as I saw the charge, I called American Express and was told I would need to dispute the charge again. I filed another dispute on XX/XX/XXXX to dispute this matter ( which was for XXXX Euros or {$230.00} in USD as of the dispute date ). On XX/XX/XXXX, American Express sent me a letter informing me that the merchant provided information to American Express and that American Express concluded that the charge was valid. However, the information provided to American Express by the merchant is not in English and does not appear to support the amount charged by the merchant. Further, it is explicit in my hotel confirmation that the charge should be XXXX Euros. On XX/XX/XXXX, I contacted American Express again to discuss this matter. I was told that I would need to file another dispute with American Express. Throughout my conversations with American Express, I have felt that the representatives I have worked with were not sufficiently competent to understand and resolve this matter. I have put forth more than a good faith effort to resolve this matter with American Express and believe my dispute is clearly supported by the facts and hotel confirmation from American Express Business Travel.
TransUnion Hard inquiries XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX I never authorized these inquiries. I called TransUnion to dispute but haven't been contacted since.
On XX/XX/18 I submitted a dispute/ claim ref # XXXX with Chase Bank for two unauthorized transactions. I personally contacted the merchant and Received email confirmation from XXXX XXXX ( merchant ) on XX/XX/18 that the disputed transaction would be refunded to my account. I provided chase with their contact number XXXX/XXXX-XXXX to verify the facts. Chase sent me letter dated XX/XX/18 stating they allegedly researched the dispute and that no error occured so they would be reversing the temporary credit out of my acct. On XX/XX/18 I faxed chase claims dept the attached letter providing them detailed info to verify so they dont take the $ back. On XX/XX/18 Chase withdrew the funds back out of my account leaving me in a negative status then proceeded to charge me overdraft fees. Chase obviously never investigated anything. I Spoke to XXXX on XX/XX/18 he states I failed to Provide them with documentation that I dont owe the funds then proceeded to state how they cant accept my letter. This is absurd. They have full knowledge the action they took is wring and are avoiding their responsibilities. I did my due diligence and am now being harassed by their collection dept. For money they actually owe me.
Between the years of XXXX and XXXX, I was attending XXXX school and obtained private student loans from Discover to help cover the costs of education. I have since graduated and pursued a XXXX XXXX degree, during which time I deferred my student loans. 

Now, I am pursuing a XXXX degree which I started late last year, right after my XXXX XXXX degree ended. Despite multiple requests, Discover keeps denying my request to defer my student loans, even while I am a XXXX XXXX XXXX. 

My current university, where I am pursuing my XXXX, is a world renowned university in XXXX, ranked much better globally than my XXXX, however, Discover denies it meets eligibility for deferment, stating that it will only accept deferments for students enrolled in accredited US based schools. The school is an officially accredited University by the XXXX XXXX XXXX XXXX. 

Note : All my federal loans were easily deferred. 

Discover being unwilling to defer my student loans could force me to drop out of this XXXX program or to fall below the poverty line, having difficulty paying for food and rent, or both.
A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me.
I have paid agreed the credit collection agency has not lived up to the promised by  XXXX   XXXX  of removing it from my credit report they said they would notify the credit bureaus  XXXX    XXXX   and  XXXX  to have it removed from my credit report they have not done so.
On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. 

On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. 

Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS  information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. 

The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. 

CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.
We just learned today of yet another credit reporting company Innovis after our information was hacked through XXXX. We had put credit freezes on the other bureaus several years ago and upon learning of Innovis are trying to do the same. Innovis has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation! 
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen. 
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period? 

We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People,  will rise!
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
We have been struggling with our mortgage company and its servicers for 8 years. We have attempted numerous loan modifications, settlements, and uncovered improper loan securitizations on their part. We are hoping for a resolution. On XXXX XXXX, 2016, I received a certified letter from XXXX XXXX XXXX with a notice of foreclosure. The first newspaper publication is scheduled for XXXX XXXX, 2016. The same letter lists the information that the statute requires a 10 day notice before the first publication. As you can see, we 've only been given an 8 day notice before the first newspaper publication. 
Thank you.
I was late with my payment due to my wife taking over the bills and not paying the balance. American Express has continued to call my parents at their own address at phone numbers that were never given to AMEX. I do n't appreciate the utter embarrassment they have caused me in calling my parents regarding a past due balance. My finances are not my parents business nor anyone elses. I sure hope this complaint gets attention, as I will be follow up regarding this complaint. I want to see AMEX forms of communication change, since the tactics they are using are very harassing to say the least.
They told me if I paid settlement amount. Upon receipt they would remove from the credit bureaus. They have not they stated they have not had the time to do it. It has been over 2 yrs.
XXXX XXXX medical Center has issued financial aid regarding past due accounts. XXXX accounts have been cleared for removal of debt, regarding the original company accounts. Letters have been distributed to agency for removal of debts.
XX/XX/XXXX I took a personal loan of {$10000.00} from One Mian Financial Services - also doing busines as CITI FINANCIAL. I paid for the insurance in case of illness. XX/XX/XXXX I was diagnosed with XXXX. The insurance paid, however, in XX/XX/XXXX and XX/XX/XXXX the payments were late. CITI sent my account to XXXX XXXX XXXX - their internal collection dept. My insurance paid the account bringing it current in XXXX XXXX. XXXX refused to take the account back and I continued to pay XXXX XXXX XXXX as agreed until the account was paid in full in XXXX XXXX. XXXX / One Main Financial has refused to report this. Instead, they are continuously reporting my payment as late and despite multiple disputes via XXXX and XXXX and talking to One Main directly, they have refused to update my credit report showing the account paid if full. My FICO score has now dropped form XXXX to XXXX - all because this shows I am now 120 days late with a balance of over {$5000.00}. I want this resolved as soon as possible. All late payments should be removed. The balance should show XXXX and the account listed as paid in full.
Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either.
I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or Caliber Home loans since 2012.
On XX/XX/XXXX I got a call from XXXX and they said they collecting for American Credit Adjusters okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called National Credit Adjustors, and ask why was this reported XXXX when we paid it in XX/XX/XXXX!! All they said was sorry we will updated the balance to {$0.00}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.
In XXXX of this year a garnishment was placed on my bank account for a debt owed by my mother instead of me. Her name was on the account, but only for the purpose of emergencies in case I ended up ill or heaven forbid in an accident. The collection agency Midland Credit Management XXXX Midland Funding LLC placed the garnishment immediately after it was granted by the XXXX XXXX XXXX XXXX here in XXXX. I immediately went to the courthouse on the next available business day and filed an emergency motion for a hearing because the money in the account was an entire paycheck and I need that money for bills and my car payment. It took them almost a month before I could see the judge which was on XXXX XXXX of this year. 

We attended the hearing with XXXX XXXX and after speaking with my mother and myself, showing them bank statements and pay check stubs from my account, the judge as well as the representative from the collections agency agreed to lift the garnishment from all three accounts, two of which were my mother and father 's. The judge even instructed the representative to expedite the paperwork to get the garnishments lifted as soon as possible. Since then, we have called the judge 's secretary as well as made multiple attempts to contact the collections agency who continues to brush us off and tell us that they have n't mailed the paperwork yet. 

It is now three months later, XXXX XXXX, and the garnishments are still on the accounts and I have not only incurred multiple late fees and overdraft fees due to this inconvenience and stressful situation, but I have also incurred other charges such as the filing charge for the emergency motion for a hearing as well as the stress of having to continually hound them to lift the garnishment. I am at my wits end. I have sent the Attorney General of the XXXX and the Attorney General of the XXXX where Midland Credit Management resides a complaint. I have also sent an email to both the lawyer on their case as well as to the Chief Compliance Officer at Midland Credit Management and I am still waiting to hear anything back. I mailed a letter to both the lawyer and Midland asking for them to please file the paperwork and lift the garnishment. 

I sincerely need help here because I feel so lost and hopeless, like I ca n't do anything about this situation and I am about to be out an entire paycheck of hard earned money that I need to help my family. This debt is not mine. I should not be held liable for that debt and the monies in that account should be returned to me. PLEASE help me. I seriously need someone who can get them to do what they were legally bound to do by the Judge on XXXX XXXX this year.
As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from Cash Central/DFS. However, I do not recall ever taking out any lines of credit from Cash Central/DFS. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. Cash Central would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Midland Funding is reporting an account settled with with creditor and the creditor removed from my credit report. The last payment is over the 7 year required for removal on my credit reports.
This is report, yet again, another a problem with MOEHLA student loan servicing. This time, the web site 's secure message center seems to be XXXX XXXX  or worse, the company has completely removed the ability to e-mail the company with a question. 

Tonight, I tried to send a message to the company in order get more information about its claim to offer a " CASHLoan 3 % Interest Rate. '' According to the website, " Interest rates may be reduced to 3 % during XXXX XXXX XXXX ... .Eligibility is based on XXXX XXXX  status reflecting on the SCRA Website. '' Yet that is it. There is no further information. 

When I attempted to go to the MOHELA secure message center in order to submit a question, the process totally and repeatedly failed. It appears to no longer be possible to send a message. Rather, unsuspecting customers are first lured into a secure message center that looks real. But upon choosing a subject from a drop down menu ( of which are severely restricted ), the site only allows you to choose from a preset subject. Upon clicking the preset subject, the site simply displays a small narrative -- much like a FAQ section. In my case, I selected " other. '' MOHELA displayed " Sorry, messaging is not available for this topic. " In sum, tonight MOHELA is blocking customers from submitting questions to the company via e-mail. 

My hope is this is just a temporary IT error. However, knowing the company for as long and as well as I do, this is likely the beginning of yet another way to reduce service to customers by a company with little or no oversight of there employees that promotes an anything goes/no controls environment. Thank XXXX for the CFPB to investigate and pursue an enforcement action.
I closed my bank account with Santander Bank after having a huge number ( XXXX ) of NSF fees taken ... this series of fees was the direct result of a collection agency named XXXX, XXXX XXXX XXXX ( XXXX, NJ ) had wrongfully taken out a court order to remove all monies from my checking account with Santander. The local Santander branch manager here in XXXX XXXX, XXXX location, a XXXX XXXX, said that the fees would be waived if the case were waived by the district court judge. The judge did waive the court order, but my NSF fees were not refunded ; read on. 
The collection agency, XXXX. were already receiving approx. $ XXXX/paycheck, every other week, via wage attachment. Here is what happened : wages were garnished on a Thursday, and the very next day, Friday, my entire checking account was emptied out. XXXX dollars for me, for anything, for two more weeks until next pay. I had to borrow to survive, and at high interest. 
I provided the DC judge, XXXX court officers, and XXXX. with copies of XXXX supporting documents from the bank and payroll dept. of my employer. XXXX released the money after receiving the letter. The DC judge did rule in my favor to have the order reversed. 
Meanwhile, at Santander Bank, I was told that the XXXX NSF fees would not be reversed, " because our legal department says that the court ordered action was not illegal ''. So, they kept {$380.00} in fees. 
I waited for a couple of months, to be sure that all outstanding items had cleared, and having discontinued my auto-deposit of paycheck to XXXX, and went to the local branch on XXXX in XXXX XXXX to close out this account on XXXX XXXX. I wrote a check for {$120.00} to cover overdraft, received {$0.00} back in pennies, andI was told that the account was closed, that I would receive mailed notification as per this action. I did not receive any documentation on the spot ; I was told that this would be mailed. I waited. I checked my home mailbox, and my XXXX XXXX XXXX 
I received NSF " postcards '' from Santander instead. I was horrified to find out today, XXXX XXXX, that this account was still open, and that XXXX had sent several items since the " account closed '' date, ( incurring numerous fees, several that I could see on the assistant manager 's screen were " sustained overdraft fees '', each of these {$35.00}. I was told today that there was no record that this account was ever closed. 
When does this stop? Why were n't these items denied by the bank, flat-out, ( since the account was supposed to have been closed? ) WHY was n't this account closed on XXXX XXXX? WHY was n't I contacted by email or phone, and only by mail? I sincerely believe that these delays are a scam. As I already stated, this account should have been closed a month ago. 
Additionally, today, XXXX XXXX, the assistant manager told me that it would be a WEEK before I could expect a phone call from the manager. More time to amass more {$35.00} fees. 
I just now, went online to see if I could access this account online. Having believed that this account was closed, I have n't tried this until now XXXX on XXXX XXXX. Guess what? I can still get online access.
cra violation so many inaccurate information not mine id theft victim ...

ftc and id theft gov