WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I attempted to purchase my lunch with the funds on my American Express Serve card. My transaction was declined. I accessed the AME Serve App that I installed on my phone and saw I had a negative balance. I can not swipe and overdraw this card if I wanted to. My negative balance was the result of AME Serve fraudulently duplicating two transactions from previous days ; one for {$33.00} and another for {$6.00}. I called AME and held for 30 minutes and was told it was a system glitch and the funds would be returned w/i 3 hours. This was at XXXX. Well by XXXX I still did not have my money. This left me in a bind as the money they took was my gas and lunch money. I was displaced due to Hurricane Harvey and am now 45 miles one way from work. With AME serve taking my funds, I had no gas to get home and no money for food and I have no friends or family out here. I attempted to call AME back but was told they were not accepting calls due to technical issues. I called back on XXXX and held for 1.5 hours to speak to someone and was told it would take a day to get my funds back. Only part of my money was refunded back. I did not get the rest of my money until today XX/XX/18. As a result of their system glitch it cost me {$65.00} to get home instead of {$20.00} in gas. I also had to embarrass myself and borrow money from a co-worker for lunch and they charged me {$5.00} in interest. I need AME to reimburse me {$50.00} for the cost I had to incur as a result of them taking my funds from my account.
On XXXX XXXX, XXXX I received a credit report and discovered that some information was is inaccurate or did not belong to me. I competed the online dispute form and submitted it. Four ( 4 ) of the disputed items were successfully submitted as being inaccurate telephone numbers and inaccurate XXXX information. However the disputed address where I never lived was not accepted and was instructed to telephone Experian to correct this issue. 

I immediately telephoned Experian at XXXX XXXX XXXX XXXX and waited on the telephone for approximately 45 minutes only to be transferred to there dispute department. But while on hold for for the dispute department for another 15 minutes I was disconnected. 

Today, XXXX XXXX, XXXX I telephoned again with a hold time of approximately one hour but but to no avail and experian.com/upload as suggested on there form is useless.
My credit reports at XXXX, Equifax and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.
Attempted to obtain credit report and failed. Accessed Experian website to set a freeze and failed. Attempted to file an online upload of documents to resolve issue/understand what information the company has regarding my file and failed. Followed the steps on the upload screen, completed name, address, SS #, email, etc and then entered step 2 to upload documents. Made several attempts, verifying that I was sending black and white PDF documents with a total of less than 15MB. Failed on repeated attempts. 

Telephoned XXXX to determine if they were experiencing system problems but after 45 minutes I gave up. 

Based on information from the other credit services I believe Experian has inaccurate information recorded in my file, causing me to enter information that does n't match their current information and effectively LOCKING ME OUT of my own data. Because of their acceptance of any credit transactions ( including personal information ) with a lack of input edits and failure to validate and/or authenticate information they accumulate inaccurate data and then treat it as if all is correct.
My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.
My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. 
Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!
Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. 

I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. 

Amount has now been inflated to {$980.00}
I filed disputes with Barclaycard Master card on XX/XX/2016. First after 3 months they just closed the dispute then reopened it when I called about it and then closed it again after another 2 months. They felt the merchant was in the right. I do n't feel they fairly represented me the customer. They never even bothered to give me a call. All calls were initiated by me and I never got what I felt were fair responses. I had provided them with a lot of information to prove my disputes but they showed me nothing the merchant provided to prove me wrong. I was left with the impression that they just did not want to take the time to follow through with my disputes since it involved a lot of money. My other Credit Card companies took far less information and found in my favor. They did not even offer arbitration.
In XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.
Potential Predatory Lending Practices :   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  On  XXXX / XXXX /   2017  I went to   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  ( phone :  XXXX  ) to purchase a new  XXXX   XXXX . After hours spent finding the car I wanted, we began discussing financing.     According to  XXXX , my Equifax credit score on  XXXX / XXXX / 17  was  XXXX , resulting in me being quoted at an 8 % rate. After telling them that was ridiculous, I told them I would seek financing elsewhere.     On  XXXX / XXXX / 17 , I went to my bank,  XXXX   XXXX   XXXX  to see if I could access a better rate  via one of  their loans. According to  XXXX   XXXX   XXXX , the very next day, my Equifax rate was  XXXX !! This resulted in me getting a 2.94 % loan. Needless to say, I took this loan and went to a different  XXXX  dealership to make my purchase.     FURTHERMORE :  XXXX   XXXX   XXXX   XXXX  emailed my credit score to my mother, without my permission! Additionally, her email is some weird address  XXXX  XXXX  XXXX . Why would they send my credit score to some random address!?!?     The credit report they sent me looks fishy, as if it has been edited. Please take a look into this as their practices seem sketchy.     I felt like because I was a young, first-time car buyer they were taking advantage of me.
on XX/XX/2018 this account that was obtain by someone who stolen my identity, open a loan under my name, I never apply for this loan, I spoke to the collection department of the XXXX XXXX XXXX and they didn't want to help they just wanted the payment of {$2800.00} I explain to the representative and they suggest me to pay the balance and they will stop calling and harassing me.
Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer.
This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.
I called on multiple occasions in order to obtain repayment assistance to no avail I was never provided informTion as to how the fees where being calculated norm was I provided information as to have the payment was being allocated
Received a letter from the Debt Collector, Midland Credit Management , Inc. stating I needed to contact them to work out arrangements before suing me by XXXX/XXXX/2016. There letter states that they would work with me on payments that were flexible and affordable for me. I called them. The guy on the phone was rude and refused any payments I offered or any plans I offered to pay which I am unemployed and unable to work. I was told if I did not pay what they were wanting that they will sue me. They threatened me and refused to work with me even though their letter stated otherwise and I was offering to pay {$20.00} a month on {$1000.00}, which is all I could afford being unemployed. They did n't offer any assistance or anything and said they will pursue with contacting a lawyer and suing me even though I called before the date they asked and tried to work out something affordable/flexible for me. They REFUSED anything I offered.
I have had an AMEX card since XX/XX/XXXX it is a Delta Sky miles card XXXX XXXX XXXX it has an expiry date of XX/XX/XXXX. This year American Express indicated that my card was being converted to a Gold Card against my will and would now have an annual fee of $ XXXX. The prorated fee for this 1/2 year was over {$50.00}. I had over XXXX miles on my prior skymiles card that XXXX, an AMEX representative, told me I was in danger of loosing if I didn't activate the new account. I had many of these miles for many years. I told XXXX it was extortion. She offered me another account that was free, however, she instructed me I had to activate the Sky Miles Card or I would lose the miles. I made a complaint number : XXXX with XXXX. I called AMEX on XX/XX/XXXX because of an email sent on XX/XX/XXXX at XXXX XXXX from AMEX indicating that I would have to CONFIRM receiving the new card " to avoid an interruptions when using your card. '' My old card had an expiry of XX/XX/XXXX. I don't know why I can't continue to use that until it expires.
This company has over the past 2 weeks called me several times daily, leaving messages & harassing me when I do pick up. They 've insisted on acquiring my address, my bank account information, my employers name & address, etc & up until today when I called to ask for the address & business name, refused to communicate to me who they were or what they are trying to collect for. Furthermore, I told them to stop contacting me, at which point they claimed they will continue to trace me by contacting all of my relatives and any/all references I 've ever used in the past. They then proceeded to call my ex-husband & my parents & threatened both of them to give any/all information they currently have about me so that law enforcement may find me & put me in jail.
I was incorrectly billed for two visits or exams at an XXXX XXXX facility during a single visit that took place on XX/XX/XXXX. 

After many, many conversations with hospital billing and my insurance company, the alleged debt was then sent to their collections and subsequently to an external collection agency. I submitted proof of the error ( including my insurance EOBs ) to the hospital 's billing department and to the external collection agency on XX/XX/XXXX. 

I received a response from the collection agency stating that they found that the coding on the claim was correct, but with no proof or evidence to back it up. I sent a letter asking for evidence on XX/XX/XXXX. 

I then received a collections call from a different company sometime in XX/XX/XXXX ; I told them that I had submitted evidence of incorrect coding/billing previously and refused to pay a bill I do not owe. 

Subsequently, I have received notice from another collection agency on or around XX/XX/XXXX, dated XX/XX/XXXX, giving me 30 days to dispute.
I am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.
The fees of the company seem Highly inflated and every time i've called to get more details on the fees of my loan, the representatives can not fully explain the breakdown of the charges. The maturity date on my autoloan is XX/XX/2018. I have had 3 payment extensions during the 60 month term of the loan. My monthly payment is {$420.00} so therefore my loan balance should be around {$1200.00} but instead the balance is {$3200.00}. My auto loan was also transferred from XXXX to Westlake Financial about 30 months into my loan and without my consent. 

Furthermore, the original amount financed was {$13000.00} yet, as of today I have made {$21000.00} in payments and STILL have another {$3200.00} before the loan closes
C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert with them took action in United States District Court-XXXX, VA without notifying anyone of the lawsuit that was brought against and the order that was signed. C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert then proceeded to take action against those parties of interest in a derogatory and immature manner. ( Statements attached ) My statement includes information about restitution and whether or not an organization should restitution on my or our family behalf and at this time, I, XXXX XXXX XXXX am indicating " No. '' My response includes the fact that I have been affiliated with the XXXX before, however, after reviewing the participant that entered briefs, it has been determined that the former XXXX President filed a brief in the " XXXX '' case in which was heard by an XXXX XXXX Judge ( XXXX XXXX XXXX ). The mission of the XXXX is to protect people of XXXX against discrimination and in this case, the organization did not do so well at doing so. As a matter of fact, the " dumbing '' down of indicating it is " janitorial favoritism '' as if a janitor or other low profile individual ( s ) would receive the same amenities as a prominent individual as " XXXX '' is absurb, however, it might would be a pacifier to give a less prominent individual an amenity to disguise racism for someone trying to show that they are not XXXX, even if their race is XXXX XXXX. Again, the XXXX injured some self-sufficient and/or prominent XXXX XXXX   individuals when they drafted that brief, who are actually innovators and successful in their own right and right here in their own communities for some individuals who suppressed XXXX XXXX   progression in many arenas and painted the picture that success was better represented corruption. Despite the XXXX efforts to include or integrate other races and specifically XXXX  in to the XXXX, the mission and still focus is to advance people of XXXX in society, not aid in suppression, oppression, and degrading our XXXX XXXX leaders of notable and successful stature. The XXXX may represent people that live off of others income and success, however, I was never on of them. The community ( s ) we live in aid these individuals of all races enough with public assistance and housing vouchers. However, I and many prominent XXXX XXXX are not them.
1. Have applied for loan modification XX/XX/XXXX and XX/XX/XXXX 2. The lender approved my loan, thy want us to payoff the Homeowners association lien. This lien is in the second position.

3. Modification of the loan does not affect the Lien position of Wells Fargo bank 4. We offered them few options a. Increase the loan amount by {$11000.00} to pay off the lien.

b. There is no requirement to pay off the lien 5. They at this time bent on foreclosing our property.

6. We are making the payments from the day we filed Chapter XXXX Bankruptcy.

7. Our main problems are we can not catch up with the arrears.

8. The arrears can be put into the modified loan amount.