WillisBack/dataset-financial-user-claim huggingface dataset:
I hope all is well. 

I booked a hotel reservation through American Express Travel. The representative clearly stated over email ( I have the supporting documentation ) that my reservation could be cancelled without charge anytime prior to 7 days before my arrival. 

Due to an unplanned work commitment, I have to cancel the vacation. However, AMEX is charging me the full amount and refusing to refund for the hotel stay - despite the fact that I cancelled well before the allowable date as stipulated in my original, written correspondence with AMEX I appreciate anything you can do to help. This is an unfair violation of my rights as a consumer by a large corporation.
Is reporting a late for XXXX account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. XXXX/XXXX/XXXX
I fell behind in payments due to my mother passing away, not only I lost her income since she was living with me. I Had to pay for the final services. This caused me a huge financial and emotional struggle. Now my business is doing much better and I am able to start making payments and I have applied for a loan modification but they refuse to open my file and review my loan due to sale being too close. sale date is XXXX/XXXX/16.
Hello, in XXXX last year I needed a credit score for renting purposes. I went to Experian web site, it said I needed to pay {$1.00} and I 'll be all set. Apparently I failed to read fine print, because there is a clause somewhere that unless you cancel your account within some " trial period '' you are automatically assumed to be a " member ''. They have been charging me $ XXXX $ XXXX monthly, in a way of automatic deductions from my debit card - ( information that they only had because I gave it to them to run my credit report! ) ever since. For services I did n't need, want, or have ever used. I consider this an abominable business practice. Shame on me for not reading the fine print, and I am sure they have a fleet of lawyers to make sure they get away with this, but I consider it outrageous that these companies are allowed to " assume '' that you are committing to something without explicit consent. That I know of, I never ticked any box saying " I agree to pay $ XXXX {$25.00} a month for all eternity, if I do n't cancel my account ''. It was not even entirely clear I created XXXX. I thought the site was asking all the information in order to process a single transaction, that of {$1.00} worth credit score. Is there ANYTHING that can be done? I feel like they prey on people and need to be stopped.
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX On XX/XX/XXXX I made payment of {$1000.00} thru PayPal to XXXX XXXX XXXX and purchased a laptop. I haven't received the laptop yet and seller is not responding to me. I did complain the issue to PayPal and PayPal put a lock on the seller 's account but PayPal is not giving me any details not refunding me the money either. 

I would request you to look into this case. 

Regards
First American Title located in XXXX Nevada was the title company that had us sign our original Note and Deed of Trust dated XX/XX/XXXX with XXXX Mortgage on XX/XX/XXXX. Per the XXXX recorder 's office, in order to record documents, a person must bring the original document ( XXXX ) to the recorder 's office to be recorded or electronically record the original document with the recorder 's office. Per the XXXX XXXX electronically filed our Deed of Trust on XX/XX/XXXX, instrument # XXXX. This was XXXX days later! Now ; on XX/XX/XXXX, I contacted XXXX and requested to know the following ; XXXX, I requested to know when the title company sent the original documents to the lender, New Century Mortgage. 
XXXX, what was the date the original documents ( Note and Deed of Trust ) were sent to XXXX. 
XXXX, I requested to know which carrier XXXX used to deliver these documents. 
My attentions were to verify that our original Note and our original Deed of Trust was sent to New XXXX Mortgage prior to New XXXX Mortgage going bankrupt and selling this asset, Note and Deed of Trust to another investor! The information below verifies that New Century Mortgage was in possession of the original Note and the original Deed of Trust when they sold our Note/Deed of Trust! 
Today, XX/XX/XXXX, I received an email from XXXX reflecting that the documents were shipped with XXXX on XX/XX/XXXX, tracking number XXXX. Please review the enclosed document ( s )! This caused another issue regarding our mortgage! Apparently, XXXX sent our original documents to XXXX, XXXX days prior to electronically recording our Deed of Trust with the XXXX. Even though the Deed of Trust was notarized, First XXXX Title was not authorized to record a copy of the Deed of Trust! Per the recorder 's office, all mortgage documents that are being recorded must be recorded with the original document! It appears that XXXX XXXX XXXX XXXX have violated state law ( XXXX ) NRS XXXX requirements for recording certain documents relating to real property. 
Since XXXX XXXX XXXX and XXXX servicing mis-handled our mortgage account, we are investigating everyone that is or was involved with our mortgage. An investigation into this matter is warranted by XXXX and XXXX agencies. If any wrong doing did in fact occur by XXXX, XXXX must be held accountable for their actions.
On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
I called customer service back in XX/XX/XXXX when I got an email about an upcoming annual fee. I told the representative to cancel my credit card, I wasn't interested in paying the fee. The representative said the fee was for a secured credit card but since my credit card was no longer secure I would not be charged an annual fee. The next month the annual fee appeared on my statement and I called to cancel the card, the representative said they would cancel and that was it. I checked a few days later and was still able to access my account online so I called a third time to cancel my account, the representative said they would. Today I received an email telling me I missed my monthly payment so apparently my calls to close the account have been ignored. I have no balance, the only charge on this credit card is the annual fee and I called several times to cancel the card to no avail.
I have placed fraud alerts on my credit report as there has been a series of invalid inquiries and accounts opened. I have filed several disputes in an attempt to have the items removed from my credit report and have been unsuccessful. I have filed an Identity Theft Affidavit with the FTC and a police report with my local police department. I am asking for removal of the following inquiries : Rise : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX
CITIBANK XXXX Mastercard : My terms and conditions indicate that if my balance is paid prior to the end of my billing cycle that no interest on purchases will occur. Interest is only charged on any remaining balance left at the end of the billing cycle. For My Citibank Mastercard I paid my balance in full before the end of my billing cycle on XXXX XXXX 2016 but then was charged interest of XXXX which I was unaware of. The balance then remain unpaid at the next billing cycle and I was issued a late fee. I have a transcript of the conversation I had with Citibank Customer Service and they indicate theat I am correct about this but then back track and try to convince me that interest is due.
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX,2018/ XXXX XXXX2018,   XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Equifax is reporting a judgment for XXXX, a satisfied judgment for XXXX and a tax lien for XXXX that I do not believe belong to me. I have never received documentation on these debts and I 've never had issues with my taxes
We had a complaint and did a fraud alert with bank of America and they credited our account temporarily for the {$300.00} then all of a sudden without notify us the claim had been closed or anything they just take out the {$300.00} without us even knowing anything putting our account into the red which h I do not appreciate at all they tell us you get a letter in the mail that 's not right they should notify me they are taking out the money or that the case has been closed before they start just taking money out without my knowledge very upset about about this
MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX. 
I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX. 
after contact with my lawyer they proceeded to hit my credit score on XXXX  illegally. 
the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.
The date of last activity on this account was XX/XX/XXXX. Compass is illegally reporting 120-180 day  lates through XX/XX/XXXX. I have tried to resolve this a few times through the credit bureau dispute process and Compass just ignores my request for correction. See screenshot of my credit report attached
On XXXX XXXX, 2015 my wife and I applied for a 30 year fixed home mortgage with Wells Fargo. On XX/XX/XXXX the rate was locked for 90 days at 4.00 % interest rate. The loan was approved on XXXX XXXX, 2015. In order for us not to pay mortgage tax a XXXX form had to be executed, and Wells Fargo started the process to obtain the XXXX. This document took longer than anticipated to produce and on XXXX XXXX, 2015 Wells Fargo added a Rate Lock Extension fee of {$1200.00} to the loan. The XXXX was still not forthcoming and on XXXX XXXX, 2015 Wells Fargo added another {$2500.00} to the loan. I contacted Wells Fargo about the extension fees, and additionally brought to their attention that mortgage rates had dropped to approx 3.6 % while they were charging me {$3700.00} to extend the rate. I started the process to look into refinancing with our present lender XXXX and brought this to the attention of Wells Fargo. Wells Fargo agreed to reduce the rate by 1/8 to 3.875 % and told me that XXXX would not approve my loan, and that I needed to close the loan with them. I was taken aback by this brash behavior, essentially strong arming me to close on a loan with at a rate that was at least .25 % higher than what I had been quoted. Since I was still undecided to accept these terms or not, Wells Fargo offered to forgo the rate lock fees, but demanded that I close the loan in a matter of days. 

I felt that I was being pushed to make a bad decision in haste. Within a few days Wells Fargo cancelled the loan. On XX/XX/XXXX Wells Fargo sent me notice that the loan was denied due to " Insufficient Assets to Close the Loan ''. I communicated with Wells Fargo and requested XXXX explanations from them : 1. To quantify the shortfall of assets to close the loan 2. The source that provided this information to Wells Fargo. 

Wells Fargo has refused to answer these questions based on " ... the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) do not require us to perform further research .... ''
Received notice from Mortgage broker that had collection account on my file from Advantage Financial Services, called company requesting a validation od debt, advised they would not do it, should get from original creditor, stated they would make sure thus stayed on my credit report, even if not accurate information. I called original creditor ( XXXX XXXX XXXX XXXX, who emailed me a statement, showing that there charges were based on a physical inspection made on premises XXXX/XXXX/XXXX, this was amazing since I didnt move my property out until XXXX/XXXX/XXXX, have pics and phone logs showing I called original creditor, to set up walk thru time for premises, subsequently call Advantage back. spoke with XXXX, stated she does see the XXXX/XXXX/XXXX date, as date of inspection, but does not care if information is not correct, advised her that her company under FCRA has obligation to provide accurate information to credit bureaus, stated it is her job to collect money and does not care if my credit report is not accurate, threatened to sue me and I advised her that would be perfectly fine. Every company has an obligation to make sure the information they provide is accurate to Credit Reporting Agency and these people will not confirm information is correct,  costing a higher interest rate on my mortgage.
I paid my bill to the XXXX in full in 2011. Then I got a bill for {$1800.00}. I contacted XXXX ( we had coverage through XXXX ) and they said the XXXX never filed for XXXX portion of my treatment. I tried to explain this to the office several times and they threatened a lawsuit. 
I have not responded sooner to the incorrect report on my credit file because of ongoing sickness with my husband. Now I feel this has gone on long enough. I do not owe this balance and I asked them for the records a long time ago and never got them.
In XX/XX/XXXX, I had applied for an XXXX XXXX store credit card. I had never used it. In early XX/XX/XXXX, I had lost my wallet at a movie theater. I reported the card as lost/stolen to XXXX XXXX and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XX/XX/XXXX. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to XXXX. I had assumed everything was settled at that point. Now I am receiving collection letters from a Javitch Block, LLC collecting on the same debt. 
Javitch Block, LLC is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.
shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XX/XX/XXXXfor a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,
last year I filed a complaint about this debts collector, they put this negative outstanding debts on my  XXXX  report, I dispute d this debt an they remove it after I filed a complaint with CFPB. This debt was paid 1 year ago in my Doctor office they turn around an put it on my  XXXX  report. " CFPB '' complaint history you 'll see the complaint was file one year ago.
Capital One Bank aided a fraudulent client called XXXX XXXX defraud me of {$2200.00} when he promised buying my timeshares and asked me to wire the amount as closing cost into his account. When I realized it was a scam and contacted my bank to re-call the wire. Capital One informed my Bank they had put a hold on that customers account and that I should complete an Inter-Bank Hold Harmless Agreement and they will send me back my funds but when I did so they only sent me a check of {$680.00} without any explanation. Up till a couple of weeks ago I was never told when I will get the rest of the {$1500.00} back but they rather sent me a letter saying they had close the case. Their resolution of the matter is unacceptable as they have not given details of how the funds held in the said fraudulent account was disbursed. Before I signed the said form I was told by the XXXX representative who was working with me to retrieve my money, through an email that the said fraudulent account had be put on hold and all I needed to do was to sign the form and my funds will be returned to me. But after signing I was sent less than half of the amount sent. I have the right to know how much was in the account when it was put on hold and the details of the disbursement of the funds from the account. I 'm also by this email requesting an investigation into the circumstance that led Capital One to open a checking account for this customer without doing their due diligence under the " Know Your Client '' regulation under the Patriot 's Act. Above all, allowing the said account to receive multiple wires into a personal account that was NOT opened as a cashing business account.
Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me. 

She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}. 

According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.
I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
On XX/XX/XXXX we ( my husband and I ) took out a home equity loan in the amount of {$150000.00} we also agreed to a purchase a supplemental insurance that would cover our payments in the cases of XXXX, involuntary unemployment, leave of absence, and accidental XXXX. This was considered Chase 's platinum package. We paid an additional monthly fee for this protection. In XX/XX/XXXX, I lost my job after 22 years and we started to go thru our paperwork for the house. We found the paperwork we signed 10 years ago and discovered we would both be eligible for this protection we had paid for many years. ( My husband became XXXX XXXX back in XX/XX/XXXX after falling from a water tower at work. ) So I went to Chase to ask them to please assist after having made several lengthy phone calls to no avail. They then informed me that they had cancelled this program in XX/XX/XXXX, I asked them if we were notified and they said they had sent out a letter, I asked if we had acknowledged such a letter as we had never received a letter. They stated they did not know, so I asked for a copy of this letter that they had sent and they said they could not provide such a letter. Their only response is that I could fax a letter to their research department. This is a horrible way to treat a customer who has faithfully paid this agreement for 10 years!! I would like a resolve to this situation and feel we are due some response! Please help! We are struggling to pay our bills and thought we were insured for this type of situation.I can provide whatever proof you may need, Thank you!!
I made an atm deposit on Sunday  XXXX   XXXX  for {$450.00}. {$100.00} cash and {$350.00} check. I also submitted credit card payments for processing on Monday  XXXX   XXXX . I was unaware that the deposited funds would not be available before the debit of the credit card payments came out of the Account. I was charged {$35.00}  three  separate times for a total of {$100.00} over draft fee which is outrageous. The account is always in good standing and never overdrawn.