WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car using my American express card back in XXXX and the car was a lemon so I returned it to the merchant and I filed a dispute with my credit card company the dispute been going on since XXXX I filed 12 disputes and they keep getting close in the Motions favor American Express told me there 's nothing else they can do to help me I returned the car back in XXXX of XXXX and now it is XXXX XXXX American Express is charged me {$150.00} interest for that car purchase and my minimum payment when 's from {$100.00} a month to {$330.00} a month and American Express told me is nothing they could do I could just have to pay it that 's not a problem my payment should be high this high and I should n't be charged {$150.00} and interest I pay on my card every month one time never missed a payment and I need help I do n't know what else to do {$330.00} is a lot imoney to be paying every month can you please help me every time I call to speak to someone about my account I get someone that 's real nasty towards me or they hang up on me I had to mail my American Express card for 2 years now and it been r has been nothing but headache dealing with them so I close my accounts but I still make payments on my bill
I went to the Bank of America on XXXX/XXXX/2017 to deposit my refund check into my personal checking and was informed that the check would be placed on hold for different dates, first date given was XXXX/XXXX/2017 and released at XXXX, the other date was for XXXX/XXXX/2017 at XXXX. And I was certain to have the fund for {$200.00} released on XXXX/XXXX/2017. I saw the funds for the {$200.00} today and then it was returned to the bank. They instructed this was certain to be released and no additional problems with the hold on the check. I had a choice to decide whether I would like to deposit the check or go somewhere else. But I was told the correct information then I would have went to another location or another place to cash my check. I did state it was important that I receive those funds by that date.
I live in XXXX, and my father, he had an home in XXXX ... ... we have the same name, the only difference will be XXXX ( him ) and XXXX ( Me ) ... ... .. 
they keep putting this " XXXX " address on my credit report and i call in, and they remove it, and it re-appears again a week later, i did call them again and they keep just deleting it, then it re-appears again, ugh, so frustrating. 
I request that they solve it and possibly block it from re-appearing ever again. 
please have them call me to discuss exact details ( to ensure the correct wrong address is deleted )
Nissan Motors Acceptance Company ( NMAC ) Loan  #  XXXX .   XXXX  I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all  XXXX  credit bureaus, which they have refused to do.   XXXX  They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments.   XXXX  My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.
I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Navient failed to pay XXXX, which they are required to do. I paid Navient as I do each month and they failed to disburse the payment to XXXX, resulting in a negative mark on my credit report as a late payment.
On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.
I had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.
I received tens of phone calls daily. 
I received threats of foreclosure on my home if ever a payment was late, despite my payments being made. 
I was told by employees of Green Tree Servicing to " borrow the money '' when I was unable to make payments due to financial hardship. 
When I did not answer my phone, Green Tree Servicing employees called all of my neighbors and told them to leave notes on my door. 
My neighbors and I were called on public holidays including XXXX. 
I was called at inappropriate times through out the morning and evening. 
I actually had to disconnect my land line due to harassment by Green Tree Servicing. 
I was refused options and assistance when I requested that my due date for my payments be changed to when I was receiving a pay check ( the last week of the month ). 
I was harassed at my place of employment to the extent that my boss told Green Tree Servicing and myself that if it continued I would lose my job. 
I wrote a letter requesting that Green Tree Servicing cease all contact except by mail and they continued to harass me via my neighbor, XXXX XXXX and call her phone tens of times daily. 
I received a letter in the mail stating that I owed them over {$4000.00} right then and there or legal actions would pursue in XXXX of 2014 for no apparent reason. I had been making my payments consistently for years. When I called to ask why I still owed money, I was given a vague and insufficient explanation and told that I still had to make payments otherwise I would be taken to court. 
I was told that my account had been charged off for a payment being over 180 days late, but I have made all except one payment and the one I missed was well over six years ago and I contacted them and after hours of harassment was told that it would be " tacked on to the end of my loan ''. 
I was informed that because some payments were late years ago, that my interest changed and that I was then only paying on interest, which does not seem right to me. 
I have requested a written explanation of the fees that are owed and the total amount that I have payed Green Tree Servicing on several occasions to XXXX XXXX XXXX? ) and was refused every time. 
I was refused any receipts of payments since XXXX of 2014 by XXXX XXXX XXXX? ). 
I was refused a bill since XXXX of 2014 by Green Tree Servicing, but if I stop paying them I receive a letter saying they will pursue legal action. 
When I called and talked to XXXX in XXXX 2014 to demand an explanation, I was told that it would be written down as a refusal to pay despite the fact that I was saying I would pay I just wanted to know what and why I was paying, threatened with court and hung up on. 
My account states online that it is closed in XXXX 2014 and when I asked for an explanation of why I am still having to pay, why I do n't receive a bill and why I do n't get a receipt for my payments I am belittled followed by insufficient and vague answers.
We owed XXXX XXXX {$500.00} ; XXXX XXXX XXXX filed and obtained default judgment in XXXX XXXX Texas for {$5500.00} ; higher than the debt owed ; payments made were not included in XX/XX/XXXX. Now Nations Recovery Center in XXXX GA is threatening to garnish wages on XX/XX/XXXX for {$9400.00} and wants 25 % paid now which would be {$2300.00} or they will garnish my wages. This judgment is out of state and no longer on our credit report. We are not paying money again ; they would simply not count it and come after us for a higher amount ; numerous complaints on the web against Nations Recovery Center in XXXX GA. Complaints filed with FTC and XXXX Attorney General.
I have expressed and disputed these accounts with Experian far too many times. I am a victim of Identity theft. I sent a copy off my Identity theft form to these companies. Experian removed them then reinserted them without my knowledge. If any of these accounts or public records were mine Im sure there was no form signed with my signature giving these creditors " AUTHORIZATION TO SHARE INFORMATION ''. I am a victim of identity theft and I have requested signed contracts with my signature for the accounts that are reporting on my credit stating I signed for these credit cards and have not been sent the information. Experian has not verified these accounts because they are fraudulent. The collection account has not been validated and I am aware of my rights from the FDCPA. I requested information from the Collection agency that was not provided. There is a chapter XXXX bankruptcy that does not belong to me. The courts do not release information over the phone to third parties whom Experian is considered a third party. Several credit cards on my credit are a product of identity theft that were removed and reinserted. This has become a problem and I will be forced to file a lawsuit. This is my final attempt. The " LAW360 CLASS ACTION LAWSUIT '' against experian was a major success and I will not hesitate to get another class action law suit started. The accuracy of Experian disputes are BOGUS that is why the class action lawsuit LAW360 was started from Experian inaccuracy disputes. The accounts on my credit report that are a product of identity theft and have been reinserted are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Chapter XXXX Bankruptcy was taken off and reinserted without no validation from the courts for they do not report to the Credit reporting agencies/third party companies. I will not accept another letter from experian stating " these accounts have been verified '' without the proper documentation to go along with it. I will not write a 100 word statement for my credit report for fraudulent information that WILL be removed! Do not put on my credit report without my consent " CONSUMER DISPUTES ACCOUNT VERIFIED '' under these accounts. These accounts are not allowed to be present while in dispute. It is AGAINST THE LAW!!!! REMOVE THEM IMMEDIATELY!!!!
VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST EQUIFAX NOW XXXX AND XXXX  ALL BC OF EQUIFAX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX, EQUIFAX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.
I had power with XXXX in New York when I sold my house. I paid the bill on time and 12 months later I reported to the credit bureas by a collection agency. After sending numerous letters and calling XXXX many times the collection was removed. No 11 months later the same account appears again from a different collection company. Same account. Same amount. This was already removed from the bureaus and should not be put back on when it is removed per dispute. I am trying to refinance a loan and this is causing me to have to pay higher fees & interest rate. 

I have already contacted the credit bureau and ask that they remove it as well. You should n't allow collection agencies to abuse on people this way.
I received notification of a collection account reported on my credit report. In reviewing my file there is an open collection with Midwest Recovery Systems opened XX/XX/2018 with an original creditor listed as XXXX XXXX XXXX XXXX. I have received no notice of this account and do not recall any business with either company. The balance being reported is in the amount of {$1000.00} which I need removed from all reporting agencies.
My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?
I received a payday loan in 2013 ... .circumstance caused me to default on the loan. I employed a service to set up arrangements to pay the debt. The payday loan company would not respond to requests to verify the loan and set up payment arrangements. The debt has been sold to a collection agency who has increased the amount of the loan by an additional {$500.00} and is threatening to take me to court.
XX/XX/2015, I placed a stamped addressed envelope in my mailbox to mail a XXXX check to our lawn maintenance person. The check was made out in his name. Somewhere, either out of my mailbox or in transit to his address the check was stolen and was altered to read made payable to my lawn man and " another name '' in the amount of XXXX. The check was forged on the back with his name and the thief 's name and cashed ( presented at XXXX ) and the money was taken out of my account. I immediately notified Chase bank and filed an Affidavit of Unauthorized Endorsement or Altered Item with Chase, filed a police report and tried to contact XXXX XXXX on my own. Chase bank told me they will not give me a curiosity credit while the investigation is going on, and they are at the " mercy '' of the other bank ( XXXX XXXX ) to respond to their inquiries. None of these entities will help me. I filed another investigation with the executive office of Chase bank, who informed me I have to wait a minimum of 90 days for a response from XXXX XXXX, then another 30 days after that, if no response is received my case is closed, and I may never get my money back. 
Being an XXXX on a very fixed budget and with very, very little savings, the loss of this money hit very hard. It caused me to incur a lot of debt, late payments, and fees. I feel as though I have no one really trying to help me not only get my stolen money back and find who stole my check, but that Chase bank is not taking any responsibility for their negligence with my money.
This company is a  contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount  of  XXXX  CENTS which I paid.     They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received  no letter except the orginal violation, which is entirely another subject,  XXXX    XXXX   XXXX  . I paid th at one fin e. They are in violation of the fair debt collection practices as well.     There is no account number, the dates are every single day except Sundays for at least  two  months now.   Their number they call from is  XXXX
This is a continuation of CFPB case # XXXX. 
The problem has NOT been resolved. Still NOT getting monthly bill/statement. 5 months now. Have nothing to show how my money is being applied ( I send in extra ). 
XXXX I called see if statement for XX/XX/XXXX mailed ( my XX/XX/XXXX payment was received XX/XX/XXXX ). Sent to XXXX XXXX voice mail-no response. 
XXXX Called again talked with XXXX XXXX ( resolution team ). He stated bill was sent on XX/XX/XXXX. 
XX/XX/XXXX Called again ( no statement ) XXXX took an attitude and said she had no control over mail. 
XX/XX/XXXX Spoke to XXXX-Statement had been mailed on XXXX. Still no statement Until this XX/XX/XXXX ( when they changed their system ) had no problem receiving statements. WHY IS THIS STILL A PROBLEM?!!!! I want XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX statements showing how my money has been applied! I want my monthly bill/statement to physically arrive at my home AND in a timely fashion!!!!!! ENOUGH IS ENOUGH!!!!!!!!! THEy totally LIED in their response to me & the CFPB! XXXX also thought it was a huge joke to be reported to the CFPB.
I applied for a Citi business credit card under a special promotion to receive XXXX bonus miles after spending XXXX dollars. After spending the XXXX dollars i did n't receive the bonus miles. I contacted Citi to ask that the miles be awarded and they claimed I already had the product and i would n't be eligible for the bonus on both cards. I checked my records only to realize that I had the personal credit card however I had n't opened or closed the business card within the 24 months. I explained this situation to Citi Bank however they refused to award me the XXXX and continued to claim that I did indeed have the product. I would like Citi to award me the XXXX bonus miles as was stated in the offer terms. I fulfilled my end of the agreement but Citi refuses to fulfill their part of the agreement.
Overdraft fee with XXXX XXXX XXXX XXXX was contested and evidence/proof given to XXXX   showing that the overdraft was not founded. 

A debt collection agency contacted me about the amount owed. I offered to pay the balance minus the unfounded overdraft fee and was denied, with the threat that the balance would remain, with a credit damaging result.
TCF Bank holds a modification loan on my property as a second mortgage. The payments are not extremely large but being on a fix income and XXXX years old, there are times that the account will become one to two months behind. Every time two payments are scheduled online make the account current, the manager cancels the payment and lock the account. When I asked why this was done, he explained that the payment is scheduled for the XX/XX/XXXX of the month and is required no later than the last day of the month. If I don't receive my pension payment until the XX/XX/XXXX of the month, why not accept the payment scheduled online? The office stated that they will take a payment over the phone and hold it for five days. Well, if you will hold it for five days, why not accept the payment online? Why lock me out of the account completely and cancel the scheduled payment. This has been done to my account twice. Not to mention, the rudeness that prevails when explaining to them that I can't pay until the XX/XX/XXXX of the month. There must be a law against denying a payment especially when it is bring the account current.
I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.
I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled.