WillisBack/dataset-financial-user-claim huggingface dataset:
My Right to Reject Arbitration ; Arbitration Rejection Notices sent to American Express via Certified Mail with Return Receipt ( XXXX of them now!! ) and another sent via First-Class Mail ( XXXX total ). First one sent XXXX XXXX, XXXX and delivered XXXX XXXX, XXXX and up to now XXXX XXXX, XXXX there has not been a single confirmation letter/letter sent back concerning all XXXX letters!! Called American Express over XXXX times regarding why I have n't received my confirmation letters and the first XXXX reps. told me it was processed on XXXX XXXX, XXXX and on it 's way to me in the mail. The XXXX time I 've called and asked to speak to supervisors they all can not find any record of my right to reject Arbitration, Arbitration Rejection Notices even in the system when the first XXXX reps. could!!!! Some of the rest of the calls I was treated with disrespect and some employees left me on hold or transferred me to a automated recording and completely wasted my time disregarding me as a consumer! American Express to date ( XXXX XXXX, XXXX ) has not written back or called back concerning my letters or returned my many calls/voicemails and have not sent me any confirmation letters regarding My Right to Reject Arbitration/Arbitration Rejection Notices and they show no interest in getting the issue resolved and show no interest in sending me all the confirmation letters that they owe me. I believe American Express is willfully violating our agreement ( s ) and my right ( s ) by refusing to provide confirmation letters ( which are to me and all consumers for the matter, written proof that they received my/our letters and state that they 've updated my card member agreement ( s ) to reflect my/our Right to reject arbitration for my account ( s ) ) to me so if anything were to every happen like for example my card number was stolen they ca n't claim they never received my Certified Letters and " force '' me to arbitrate any disputes when in fact I have proof/evidence that I did my part per the card member agreement ( s ) and sent them not just XXXX, but XXXX letters, XXXX of which are Certified Mail with Return Receipt ALL DELIVERED to American Express and signed for! How can consumers trust such a company that from the beginning have illegal business practices??! Please investigate and take action against illegal and corrupt conduct from companies like this! BAN " FORCED/BINDING/MANDATORY '' Arbitration from ALL contracts, regardless of nature, whether it be consumer, employment, loans of any sort, etc.. BAN ALL AND INVALIDATE CURRENT CONTRACTS AND AGREEMENTS THAT RELATE TO CONSUMERS regarding FORCED/BINDING/MANDATORY! 
Also, please look into my current issue concerning American Express and their illegal business practices! 
Thanks in advance to the people and consumers just like me in the Consumer Financial Protection Bureau who band together for OUR rights!
XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX  and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 credit bureaus
As required, three days prior to closing I received a closing disclosure from my lender that I believe was not made in good faith. This closing disclosure did not include the prorated amount XXXX XXXX & city/town property tax the seller had already paid and that I would reimburse, a prorated amount of XXXX fees that the previous sellers paid and that I would reimburse, and prepaid XXXX fees. At closing, I had to cover these additional costs to take possession of the property for a total additional amount of {$1100.00}. I believe the lender was in violation XXXX for not providing actual costs that should have been readily available to them.
I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX CT XXXX GA or XXXX I 've asked for " Validation '' and XXXX  has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! XXXX, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! 
Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) (  A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.
{$45.00} of my {$50.00}, XXXX Gift Card, was stolen from my gift card. I activated the gift card on or about XXXX/XXXX/2016, and on XXXX 2016, I went to XXXX supermarket, when I got to checkout it was only {$5.00} left on the gift card. I reported that to XXXX Gift Card Co. They said that they would investigate it they reported to me that the money went to XXXX. And it would take 45 day to resolve this, and at the end of XXXX or beginning of XXXX, I called them they said that I needed to wait until the XXXX. Of XXXX for them to finish their investigation. On XXXX XXXX. 2016, I called again, and I was told that it takes 60 days to investigate so I was two days to early and to call back on the XXXX XXXX. On XXXX XXXX. I call back and was hung up on twice, on the 3rd. call I needed to give them more time. The on Monday I called The Massachusetts XXXX who put me in touch with your organization.
I have been working with my mortgage lender for months on a short sale. We have a buyer and supplied all needed documents to our mortgage company. They have not postponed the pending foreclosure date set for XXXX XXXX. My family is very concerned as we are trying to do the right thing. Please assist us in requesting Ocwen to postpone the sheriff sale to allow us to continue our short sale process.
I am an American expatriate living in XXXX XXXX and working for a XXXX XXXX XXXX. My employer recently changed direct deposit policies so that the balance of my monthly pay was sent directly to my XXXX bank account rather than my U.S. bank account. Knowing that this change was about to occur, I set-up international wire-transfer instructions with XXXX XXXX XXXX XXXX  ( XXXX ), and sent a test transfer to to XXXX XXXX, XXXX to ensure that my data was correct. Within 36 hours my test was successful and I was confident that I had provided proper information to the bank. When my salary was deposited into my XXXX account on XX/XX/XXXX, I utilized the wire-transfer profile I had previously set-up and wired the balance of my salary to my Chase account. It is now XX/XX/XXXX and my wire still has not been deposited into my Chase account. I have contacted XXXX and paid for a trace on the transfer, which they performed and confirmed was received and acknowledged by Chase Bank. Chase Bank still denies any knowledge of the incoming transfer and my full monthly salary is still missing. I filed a complaint here with the XXXX XXXX XXXX XXXX but their government has confirmed what my XXXX bank claims. I filed a complaint with the FDIC against Chase and they referred me to CFPB, which is why I am here. All of my monthly bills and debts are now being deducted from my Chase account, and the account is currently overdrawn by over {$2000.00}. HELP ME PLEASE.
SunTrust Bank bought my mortgage. I set up an online account and provided external payment information to have my mortgage payments made automatically each month. It has never happened in the four months since they bought my mortgage. 

I have tried on at least four separate occasions to determine why it isn't happening, without success. I can see my external payment information online and can see it is correct. I have been transferred to technical support personnel who can not tell me why this function isn't working. I haven't been offered any solutions. 

I have had to make one-time payments each month. My concern is I will forget to do this, my payment will be late, and I will be charged late fees and/or have my credit score impacted. They are 100 % unresponsive to my problem.
Capital One Bank closed account and cancelled by credit grantor in XXXX/2012. Account is showing as " profit & loss '' but is still showing on my credit report. This needs to be removed from my credit report.
Experian has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015. They advised I am " locked out of their system '' even though I am able to confirm that all my identifying information matches what they are reporting. They were unable to provide an explanation as to why I am locked of their system and were unwilling to provide me with my own credit report number. I asked to speak to their escalation department and spoke to a supervisor who also advised she was not able to tell my why I was denied online access. I am XXXX at a business and if I refused to provide my clients with their own proprietary/personal identifying information or was unable to tell them why, my company would no longer be in business.
I WRECKED MY CAR ON XX/XX/XXXX. AFTER 7 WEEKS OF WAITING FOR REPAIRS TO BE DONE BY XXXX XXXX XXXX XXXX XXXX. XXXX SC, THEY TRIED TO SELL ME A NEW CAR TO REPLACE MY WRECKED ONE. IN DOING SO WITHOUT WRITTEN OR VERBAL PERMISSION THEY RAN A CREDIT CHECK FOR AUTO LOANS WHICH IMPACTED MY CREDIT SCORE WITH 6 HARD HITS. THIS HAS LOWERED MY SCORE ALMOST 20 POINTS WITH EQUIFAX. I AM DEVASTATED TO FIND OUT THIS CAN STAY ON MY REPORT FOR MORE THAN 2 YEARS. I HAVE NO IDEA HOW TO CORRECT THIS. PLEASE HELP ME.. 

Hard inquiries 10 Inquiries We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX
my daughter is only XXXX years old. 
She has already received scholarship notifications. My wife shredded them. 
My daughter knows how to use the internet, better than I can. Equifax does not answer the phone. I will mail photocopies of the documents you require, as well as attach them to what ever this is. Thank you
The company I.Q. Data had a male representative speak to me with an aggressive and bullying manner. This caller from this company refused to accept that I was not the person he was looking forward and refused to hang the phone up and also refused to head my request that they stop calling this number. I had to speak to his manager about they verbal abuse received by this person.
On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX
On   XXXX     i submitted a complaint with CFPB regardingg my  Kohls  store card. Complaint #  XXXX  with the CFPB. The response fro m Kohls state s that I have voluntarly requested paperless statements, and that my account is available online. I have never been issued a cc statement, only a notice that my statement was available online. However since the date of opening the account, i have never been issued and physical CC. I am able to make purchases in store when i provide a copy of my DL and enter my SS # in the card reader. Since i do not have a physical copy of my card, i have never been able to access the company website to pay my bill. This has never been an issue, since I usually pay my bill in full as described in Kohls   XXXX   XXXX   response to my compaint.  Kohls  also note that My email address is   XXXX  when it is in fact  XXXX  XXXX  XXXX .
This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.
financial hardship caused a late payment XX/XX/2016 requested several times that this late payment be removed due to outstanding payment history
I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE.
Experian Credit bureau has wrong address Experian has 3 same address and 2 old address that should have been removed and updated I have spoken with numerous customer services specialist to no avail Experian still have closed account from 5 years ago on my credit report 3of them are from  XXXX XXXX 2 are from the XXXX XXXX XXXX I have disputed and ask them personally to delete it is still current on my credit report I have been giving the run around from the company for the past six months my report number is as follows XXXX
XXXX XXXX  was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.
On or about XX/XX/XXXX I received a Home Loan from Chase Bank for {$98000.00} with a {$620.00} Monthly Payment Account # XXXX. On or about XX/XX/XXXX I received a document from XXXX depicted on XX/XX/XXXX was paid in full. I questioned XXXX about this and XXXX sent letter to XXXX about the above and I have heard nothing else. However, I have been paying monthly mortgage payments for XXXX years and XXXX months towards a paid home loan. That amount comes to without interest and penalties XXXX i want it returned or be reimbursed. 

Further, it appears that a second loan through XXXX was taken on the same property, in the amount of {$92000.00} on XX/XX/XXXX that bears my name and signature. And on XX/XX/XXXX Chase Filed a Satisfaction of Mortgage. Yet I continue to make payments. I am attaching or will provide CFPB with a copy of all records I have proving the above, upon request after I secure Log or case number to mail them to your agency
After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late
I attempted to send a dispute letter via US Postal XXXX to the address listed in several parts of their website and forms as XXXX, XXXX, PA XXXX. The USPS said that XXXX is no longer valid. I finally found an alternative on a consumer watch group website. Please require TransUnion to update all references to their old address as they are avoiding receiving complaints this way.
In  XXXX  of  XXXX  I got my  XXXX   XXXX   XXXX  financed through Citez  ens One Auto Finance.
( 1 ) I received my first statement and then I never received one after that. The only way I could make my payments was online because any other way they charged, But that was the only thing I could do online, ( 2 ) the webs  ite did n't allow me to view any of my statements.   Each month, my payment due was  XXXX  I payed almost {$150.00} more than the payment due. When I called to see how much I owed on my loan, it just didnt seem to add up to what I had been paying.   When I started investigating this to see where all of my extra money was goin g ( thinking  it would automatically go to principle. ),  ( 3 ) they told me that all extra payments went half to interest and half to principle. I called multiple times to ask for a statement to be sent to me so I could see exactly where my money was going, since I could n't pull it up online. ( 4 ) It took four weeks for me to receive my statement in the mail. ( 5 ) I wa s told that they were not allowed to email it to me and it would be a  XXXX  charge if I wanted it faxed.   After being fed up with trying to contact them and receive information I went to my local credit union and started the process of refinancing my truck through them.   When I had to make my last payment through Citeze ns One Auto Finance, ( 6 ) I entered my account to find that now I was no longer a ble to pay  XXXX  and now I was ONLY able to pay  XXXX  and nothing less . ( 7 ) That me ans that changed my payment without consent from me, and also did n't give me an option to put my extra payment towards principle.   I lost over {$1300.00} with this company because I was under the impression that my extra payment went to principle when only half was going to principle, I was told that there was no way they could move it all back to principle.
I had to break my lease as I lost my job and was no longer able to afford it. My final bill from the complex was   XXXX   and change.
I get a phone call from hunter warfield stating that I owe over 8k dollars and interest is accruing daily.. I explained that I am more than willing to settle this debt AFTER they remove all the fees, interest and remove from my credit report they said yes, the payments were set up, the account was removed from collections..the following month, the account was back on my report with higher amount owed. They called and I refused to work with them. Now what?
It has been disputed and I have one this battle already.. why is it back on my credit report?
My social security was used to set up accounts. My roommate used my info to set up these account without asking me.