WillisBack/dataset-financial-user-claim huggingface dataset:
We appreciate this opportunity to file this complaint.This is an overview of our point of view in our dealing with AMEX. we had been paying on our account in a timely manner. in the fall of XXXX we made a payment 1 day late. We have been in the XXXX business for 30 years. The winter of XXXX was extremely harsh. we were unable to perform roofing work because of the adverse conditions. we made our XXXX payment of about {$14000.00}. This is a considerable amount to pay without being able to perform much work.In XXXX we made our payment of about {$16000.00}. again this is a considerable payment to make in the winter months without much work. AMEX allowed us a no pre-set spending limit. In XXXX we obtained work then ordered materials to perform the work. AMEX declined the cc charge with no warning. 
As a result we needed to obtain resources elsewhere to purchase materials. This was necessary for us to continue to have our business and make an effort to make a living. Our business was severely crippled by their actions. 
About that time we were told that our pay over time would not be available. We were also told that our credit limit was lowered considerably.These actions were done without notice. So now instead of being able to make our payment to AMEX it has been necessary to obtain funding from other sources in an effort to remain in business. That being said it has been not been possible to make a payment to Amex. 
We have talked to the AMEX representatives on several occasions. On the XXXX occasion we were told everything was determined with " ratio 's '' and with " formula 's ''. The representative wanted to know how much we could pay. When i replied, it was NOT enough. When i was asked when we could pay. When i replied, it was NOT soon enough. This belittling dialog went on for some time. We are a business and human beings.We should be treated as such.Not as " ratio 's '' and " formula 's. 
On another occasion i was treated in the same manner. We were told that AMEX could do what they wanted, the representative was sure that it was in the " fine print '' somewhere! 
We are not " deadbeats ''. Our track record with AMEX goes back to XXXX. They should take that, the winter weather conditions, and our determination not to lose our roofing business into account.
AFNI is trying to collect a debt they bought from XXXX and they are not licensed to operate in my state.
I would like to dispute the amount owed to Richard B. Maner, P, C, whom is acting as a debt collector  attempting to collect a debt as representative of XXXX XXXX XXXX 

I would like Richard B. Maner to present to me proof of their legal right to collect this debt. 
I would also like proof of the true amount owed as well as where this debt originated from. 

I would like to know why I can not direct contact with the correct decision makers on this loan, not the middlemen. 

I would like a chance to workout a settlement to this loan and request that the foreclosure date that is set for XXXX XXXX XXXX be postponed or cancelled. 

This Law Firm works hand in hand with XXXX XXXX whom has thousands of complaints about there unfair tactics on this site alone.
There 's a collection agency called National Service Bureau , Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wa XXXX which is claiming {$20000.00} for a car accident that I had 3 years ago. The insurance company claiming the money is XXXX XXXX, XXXX # XXXX. Until this moment, I 've never received a letter or anything from this people claiming this money. The are saying they will suspend my driver license or/and vechicle tag if I do n't pay. Of course, I do n't have this kind of money. A year ago, my insurance paid for this accident already. My insurance company is XXXX.
I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.
Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. 
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. 
This is clearly a mix up and not my charge. 
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports
sent police reports XXXX is taking more than 45 days to remove my items that was taking off by their competitors
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my XXXX  report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.
I 've disputed this in numerous times, the two entries of a XXXX account on my Equifax report ARE NOT MY ACCOUNTS, Equifax claims to have verified these accounts as being mine when in fact they are NOT my accounts I was listed as a authorized user and in fact Equifax states on the reporting im an authorized user ... I want this mistake corrected and removed immediately
On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX
On XX/XX/XXXX, I sent Experian a letter stating all of the incorrect information reflecting on my credit report.

I received a response from Experian on XX/XX/XXXX, but hardly any of the information was corrected.

I do NOT want my telephone numbers reflected.

I was NEVER married, I do not want a spouse listed.

I WANT the 8 other addresses listed on my credit report REMOVED. I have lived at my current address for 15 years!

There are addresses ( a lot ) listed on my credit report that I don't even know what addresses they are. A lot of the addresses are addresses I have never lived at. I explained this to them in a letter I sent to them certified mail on XX/XX/XXXX.

I am not sure where they obtain their information, but it should not take me three letters to them to correct the information that is reporting incorrectly.

I have sent them my license and utility bill to show this is my address. 

I want my credit report to reflect my correct information and it appears they refuse to do so. 

Thank you.
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, TRANSUNION & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
On today XXXX XXXX, 2017 when I logged onto Big Picture Loan website to verify that my {$400.00} loan was paid off I noticed that I had a high interest charges that was doulble more than I borrowed which was not explained to me in detailed when I recieved the {$400.00} loan. So I called and was placed on hold for almost 15 minutes when I requested to speak to a supervisor. When I did get a supervisor it was a woman by the name of XXXX who got on the phone and asked me to verify my info name, date of birth, and address and she stated that the date of birth I gave her was incorrect in their system and then she asked for my driver 's license # and I stated to her what does that have to do with my complain about the interest on my loan. She then put me on hold and transferred me to another woman by the name XXXX who was not a supervisor and still who could n't give a good reason for the high interest rate. My loan was taken out in XX/XX/XXXX and they have taken a total of {$99.00} about XXXX times from my account since the loan which caused my bank account to be overdrawn. This is illegal here in the state of Florida to charge this type of interest rate and has put me in total debt. To top it off neither person I spoke with was willing to settle this issue with me.
I GOT PAID ON XX/XX/XXXX. I FORGOT THE DATE I CALL TO REPORT MY CARD LOST OR STOLEN BUT THEY WERE SUPPOSE TO SEND ME A FORM TO FILL OUT. DIDN'T GET THE FORM UNTIL XX/XX/XXXX. I FILL OUT AND FAX THE FORM BACK. ON XX/XX/XXXX XXXX I WAD TOLD I AM ONLY GETTING XXXX BACK. AFTER THEIR INVESTIGATION. 
I WENT TO THE LOCATION WHERE THE FUND WAS TAKEN OFF MY CARD THE DAY AND THE NIGHT MANAGER SAID NO ONE HAD ASK, CAME BY OR CALL REGARDING MY INVESTIGATION. 
THE CUSTOMER SERVICES LADY TOLD ME THAT THEY DO NOT GIVE BACK MONEY THAT WAS TAKE BY A PIN # AND BECAUSE MY MOTHER, WHO IS XXXX OR MY DISABLE CHILD MIGHT HAVE DONE IT. 
MY PIN IS WRITTEN ON THE BACK OF THE CARD, FOR MY CHILD CAN USE IT, WHEN I TAKE HER OUT. SHE DO NOT AT ANYTIME GO OUT WITH ANYONE BUT ME. ANYWAY I NEED MY MONEY. 
THEY ASK FOR A POLICE REPORT AND I DID MAKE ONE AND GAVE THEM THE NUMBER. I WOULD LIKE TO SEE THE DOCUMENTS THEY HAVE TO PROVE THEY DID AN INVESTIGATION. 
ACCOUNT XXXX
I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
XXXX is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home
Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
My mortgage was sold to Everhome shortly after I closed, and their customer service has always been awful. When refinancing, I was in a hurry and thought staying with the same company would be easier. They told me that I had to pay {$420.00} for an appraisal, which would be refunded at closing, along with many other incentives that I was promised. Everyone I dealt with then proceeded to drag me along for months with false promises and lies. One day I 'm told everything is ready and we should be closed by the end of the week, and then the next day I 'm told that they need more information and we 're not even close. They repeatedly dropped the ball and failed to follow up, and when I finally got annoyed I was insulted by the loan officer and told that it was my fault because I am a business owner without enough income which, after months of phone calls and emails, was news to me. This entire process was frustrating, time consuming, and insulting, and now I 'm stuck with my higher rate, awful customer service, and out the {$420.00} I paid for the appraisal, which was much higher than other banks but I agreed because I was told the money would be refunded at closing anyway, but after months of being strung along that never happened.
Allied is reporting an account on both my XXXX XXXX and XXXX credit reports in the amount of $ XXXXfor a former account with XXXX. This account was paid directly to XXXX in full. Therefore, Allied does not have any legal right to try to collect it from me, including reporting it on my credit report as unpaid and derogatory. Allied has an obligation under the FCRA to report truthful and accurate information and because they have no legal right to collect this account or report it they are in violation of the FCRA. Further, I have never received any mail communication from Allied notifying me of the account or my right to dispute it as per the FDCPA and although Allied calls my cell phone repeatedly with their automated dialing system, they never leave any voice messages.
XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted XXXX regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX
Navy Federal Credit Union ( NFCU ) claims that I, the sole owner of real property in XXXX California, gave XXXX XXXX XXXX, aka XXXX XXXX and XXXX XXXX XXXX. an interest in my property. NFCU presented a Title signed by me in XX/XX/XXXXplacing XXXX XXXX on title. 

NFCU failed to inform me of my rights as to the loan NFCU held on my real estate property. NFCU lied about the terms of the loan and is now covering up the misdeeds of the Credit Union. 

NFCU has asserted that the title allows NFCU to provide a loan to XXXX XXXX solely in his name. NFCU acknowledges the real property solely belonged to me, XXXX XXXX. Although, NFCU supposedly has this title with XXXX XXXX 's name, NFCU has refused to show documents that allowed XXXX XXXX sole ownership of the loan, or has refused to show any documents where I, the sole owner of the property authorized XXXX XXXX to be the sole owner of the loan. 
My name is also on Title. 
NFCU violated Federal and State lending laws, laws that prevent predatory lending, laws that prevent gender and racial discrimination by refusing to allow me to pay the loan and prevent foreclosure of my home. 

NFCU denied me, XXXX XXXX, the sole property owner of XXXX XXXX XXXX, XXXX, CA to inform me of my rights and possibly conspired with XXXX XXXX XXXX to carry out an embezzlement scheme. NFCU allowed and/or participated with XXXX XXXX in stealing my property. NFCU along with XXXX XXXX has used this " title '' to foreclose on my property and provides no other document where I have waived my rights to pay the loan or have access to the entire folder of loan documents. 

NFCU feigns cooperation. NFCU is working with XXXX XXXX to intentionally delay providing loan documents as one of many tools and strategies for this crime to go undetected. 

NFCU has failed to show documents showing that I, the sole owner of the real property they foreclosed and sold, signed any waiver of my rights to pay the mortgage. 

Because NFCU repeatedly refuses any and all my requests for documents concerning the loan NFCU issued solely to XXXX XXXX, this is a request for any and all documents signed by me, XXXX XXXX waiving my right to pay the mortgage issued approximately in XXXX or XX/XX/XXXX on the XXXX, California property. 

Additionally, this is a request for the entire XX/XX/XXXXloan documents file, in addition to any documents that clearly show I waived my rights to pay the loan. I am also on Title. 

I also ask that any delay or continuance requests by NFCU are denied because they have the loan documents and file readily available and readily accessible. 

Thank you for your assistance.
I have been a loyal customer of Chase Bank U.S.A. by using their Chase Credit Card for over 15 years. I have never been late, I double my monthly payments and never missed a payment. They gave me a healthy credit line because of this and my credit report. 

I received an unexpected letter of increase of rate from 10.24 % to 15.24 %. I think this is very unreasonable for a loyal long term customer to face the same interest rate as a new customer, delinquent customer or poor credit customer.Besides why should their interest rate be so humongous and unfordable? it is designed to keep the poor people poorer. This is how they keep people poor. Chase was one of  those companies that got bailed out during the financial crisis and now they are back to doing the same nonsense. 

I called Chase on XX/XX/XXXX and spoke with XXXX a supervisor stating the above, but she said, that is what it will be as of XX/XX/XXXXand there are no exceptions. 

This is a problem for many consumers to use a credit card that is murderous to your pocket. I think this needs to be regulated. 
Can you assist me, to shed some light to Chase and have them consider reverting my interest rate as well as other consumers, so I ( We ) will be able to use the card. One representative advised me that you don't have to use it. Then what are you saying, you gave me a credit card to not use. 
Their letter also stated that if you do not agree you can close off your account. I DO NOT WANT TO CLOSE OFF MY ACCOUNT BECASUE I MAY NEED TO USE THE CARD IN CASE OF EMERGENCIES. 
CHASE SHOULD NOT DO THIS AND THE DEPARTMENT OF CONSUMER FINANCE NEED TO STEP IN.
I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.
I had my mortgage with XXXX Mortgage ( since XXXX ). While with them, I had my mortgage recast twice at no extra cost. They have now transferred my mortgage to Nationstar Mortgage or Mr. Cooper. I learned today ( XXXX/XXXX/XXXX ) Mr. Cooper charges {$270.00} to recast in my state. I reached out to XXXX. They said that Cooper can charge whatever they want. I said that 's ridiculous. Who the heck would contract with something called Mr. Cooper for a mortgage anyway? Ca n't believe  companies can just transfer loans and then those new companies can then charge new or increase fees for same services ... scary!