WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to your agency in hopes you can help me with this dispute. I am very upset with my credit card company, American Express and the way they handled my claim. I called them on XX/XX/XXXX and they did n't even give me the chance to explain and said that was nothing they could do. I filed a dispute with Amex through you ( CFPB ) and American Express sent me a letter now in response saying that they are unable to refund my account stating that the charge is too old to dispute. I did some research that I could still dispute my charges using the claims and defenses, that I have up to one year from the date of the statement. Which I did. I believe I am within my rights and I appreciate if my credit card company would take a look on my side instead of telling me to take a hike without even opening a case. The charge that I am trying to dispute is {$4000.00} and the company did not deliver the services as promised. And I could barely get in touch with anyone from there, and finally when I complained and asked for my refund they completely ignored my calls. I believe they took advantage of me they prey on the elderly and I believe I am on my rights. And American Express is not even giving me a chance.
I signed up for the Platinum Delta Skymiles credit card from American Express with a welcome offer of XXXX bonus miles if I spent {$3000.00} in the first 3 months, which I did. To date, I have not received the bonus miles despite meeting the requirements, and paying their hefty {$200.00} annual fee. I have contact them multiple times via their online chat. I contacted them on XX/XX/XXXX, again on XX/XX/XXXX, where they confirmed I would receive the bonus miles in the next 1-2 billing cycles. Contacted them again on XX/XX/XXXX which they indicated my case was being looked into. And a final time on XX/XX/XXXX with no result.
I signed up for Zoca loans back in XXXX. My original payment and payment dates were XXXX $ on every Thursday. When I saw that I immediately called the company and have them switched it to every Friday because that's what my paydays are. For a while they were coming out on Fridays and then suddenly it stopped. I noticed the change when I had an over draft fee for them withdrawing my account and the funds were not available on a Thursday. I then called the company again, spoke with a XXXX ( whom was very rude ) told me she would have them switch back to Fridays. I felt like she did not submit my request so I then emailed their support group and was told by a XXXX ( see attached documents ) that my payments would be drafted on Fridays. Went to check my account this morning and saw ANOTHER overdraft fee and that my account was drafted on Thursday XX/XX/2018. I am very furious at this point. I am a consumer trying to make my weekly payments on time and they continue to overlook my requests. I do not have any extra money to be paying for overdraft fees and I would like my money refund back to me from this consumer.
I recently have had to relocate due to a fire at my home. While looking for a new place to live I was continually being denied for a home, and opening a new bank account. I was informed to call Early Warning Services for the  reason for my denial issues. When I spoke with Early Warning they said their were 3 accounts ( 2 with negative remarks, 1 with a balance ) that XXXX had reported sometime back in XX/XX/2013. I immediately contacted XXXX to dispute the information. The account that had the balance ( {$500.00} ) was already flagged in their systems as fraud, but since I didn't " take care of it '' in the time they alloyed then I would have to be responsible for paying the balance even though it was not made by me. I was a victim of identity theft at that time as well as other accounts not with XXXX and have documentation of the person who confessed to the crime, but was still told I just needed to pay and it was my fault I didn't check in periodically with XXXX for fraudulent activity on a account I didn't even know about. XXXX further informs me that even if I pay there's no guarantee that the negative remarks will be removed from Early Warning. I then disputed the information with Early Warning only to be told the information was correct, even the other 2 accounts that had no balance since I went into overdraft 3 or 4 times but then paid the balance and closed the accounts Im no longer worthy to be trusted by banks or have a home!? I am a single mother of XXXX young children and XXXX, currently not able to get a home for me and my children apparently having to wait 5-7 years to get off information that's inccorect and I was not informed of through phone, mail, or e-mail. I'm requesting the negative remarks or account be removed from Early Warning for not notifying me violating their notice clause of FACTA section 623 ( A ) ( 7 ).
XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage
I was trying to receive tax information to file our taxes. When I called Navient, they said I do n't have a loan with them and we 've been paying them for years. I 've been paying them since Navient took over the loans from XXXX. I asked the technician about where my payments had been going he could n't give me an answer and told me to call another number to find out where my private student loan was. The number belonged to XXXX. They pointed me to XXXX who handles federal loans and not private loans. They 're giving me the run around and I still do n't know who I 've been paying and where my loan is right now, as well as my tax information.
I receive a collection request from XXXX XXXX for National Collegiate Student Loan for the amount of {$15000.00}. I got a loan back in XXXX with XXXX XXXX XXXX for school not with the National Collegiate Student Trust. I was paying them through American Education Services but they were called something else before that and I ca n't remember that name but it originated with XXXX XXXX XXXX, they changed names several times. I was able to get my Bank which is XXXX XXXX XXXX to pull my payment history for AES but we were n't able to pull payment history for the other name ( before AES ) because XXXX XXXX XXXX can only go back as far as XXXX ( I have attached these payments ). I have been paying on it since XXXX and the loan never moved. I have never been late on a payment, so technically the loan should be paid in full by now. I did n't stop paying on the loan until I filed for bankruptcy. The National Collegiate Student Loan never appeared for the bankruptcy hearing to dispute discharging the loan. Now all of sudden my credit is being hit and I 'm sent to the collection agency for full payment of the loan. I tried in the past working something out with them but they would n't work with me they said I did n't have any deferments. I had twins which lead to me having to file bankruptcy because I was doing it all by myself. I ca n't afford this loan and I feel like they have and are still trying to rip me off. After my bankruptcy the federal government student loan worked out an affordable plan with me and has also forgiven a large portion of my student loan and they have been very helpful. However, the private student loan that is n't federally backed is very difficult and is trying to make me pay a loan for the rest of my life that has technically already been paid off.
Dear Sirs ; Madame, I would like to file a complaint against TDBank, N.A. for falsifying my credit card account summary. 

Today I am greeting you with sincerity and calm. I am a long time customer of The TDBank N.A., system. I am not a big saver, barely on the fringes and particularly at this time. Recently I inquired into my credit account which is displayed with my checking account, on the same page. It is convenient and innovative to put both account summaries on the same page so I can read what is going on simultaneously. I 've always abided by what I was reading. 

One day while trying to use my credit card, I was declined. I could n't understand why, since I make payments by the auto payments system connected to the accounts. It occurred to me that I am constantly being charged a late fee. It also occurred to me that I am always showing a zero balance due every month. I was always assuming the auto payment system had already deducted the amount posted. I was wrong, since one day when I tried to use my credit I found that I had barely paid the amount owed that month. I was alittle confused but paid the amount requested, {$2.00}. How could I have not known that I was underpaying on my credit account when the statement summary always showed XXXX balance due? Then one day I called. Here is how the conversation went. 

Hello, my name is XXXX, account # XXXX. I am on the TDBank website right now looking at my accounts, checking and credit. Could you tell me why I am looking at a zero balance due on my credit card statement when I know it is due, and while I am paying two auto payments twice monthly in the amount of {$35.00}, yet according to you I need to pay {$82.00} this month? Sure, Customer Service said, here is what is going on. Your account is not showing the true accurate amount. What? I said. I am looking at the page right now, how is it not showing me the true accurate amount owed?. Well, Customer Service said, what you are looking at, and I quote, is an assumption of what you owe. If you want to know what you actually owe and what your true account statement reads you need to log onto, and with that she proceeds to provide me a whole other website with a whole other registration. So, you mean to tell me that for all these years I 've had this account, this has not been showing me the accurate truth of my statements? Yes, she said. You will need to log onto the the website I provided. 

I do not know how much money I 've paid in late fees because I am going by what TDBank, N.A. provides as a viable true summary of my accounts and statements. I can not afford to pay a late fee, I can not afford to pay more when I was under the assumption I was paying the amount required. I would like you to go back into my credit account, look back at how long I have been paying late fees, and put back into my checking account the money that I paid in late fees while reading an inaccurate balance due because of your falsified summary of statements. 

Sincerely, XXXX XXXX XXXX
I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.
I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 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.
I am attempting to pay off the debts I have that are negative marks on my credit. In looking at a medical bill collection I noticed that under XXXX my medical debt is listed under Syndicated Offices for XXXX $ but it 's listed on XXXX under Central Financial Control for the same XXXX XXXX I never received any collection notifications in the mail or by phone call from either of these collection agencies. How do I know that these companies are one in the same? Why are they listed as two different businesses? How do I know that offices in California have a right to collect for North Carolina? <P/>I did research and it said that they had to provide over XXXX $ XXXX to people in California. It just seems very odd to me and I want to make sure this debt is actually mine and not some type of fraud.
On XXXX I reviewed the suggestions on increasing my open credit accounts. Since I had only XXXX reported account ( I have little credit, to date have been a cash and carry ) and I was looking to expand per the suggestions on XXXX. American Express Blue was a suggestion for people like me. So I applied and lo and behold I was denied for too few accounts. I voiced my concern to American Express that they were advertising on a site for people like me then denying me for the very thing I applied to them for. This is a tragedy XXXX and American Express XXXX should be in sync for what they advertise as the product being touted to the consumer. Very dissatisfied and concerned. False advertising.
BAnk Of America is inaccurately and incompletely furnishing information regardingthe one and only Bank Of America account listed on my report to the Credit Reporting Agencies inviolation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which BOFA is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
I was shocked when reviewing my credit report and found a late payment on XX/XX/2018. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.
On or about XX/XX/XXXX at XXXX I called SLS to tell them that I was going thru mortgage per foreclosure counseling. 
I was going thru a divorce and forgot to pay my county and city taxes for XX/XX/XXXX, which I been paying since I bought my house in XX/XX/XXXX. Specialized Loan Servicing ( SLS ) paid my taxes without my knowledge nor consent. I struggled to pay there imposed fees for 12 months. After I paid them back the increased my loan amount over {$200.00} plus my mortgage fees for 12 months it took them several months after that to take my mortgage back down. My city taxes are $ XXXX county taxes {$790.00}. SLS has added hazard insurance in the amount of {$810.00} which in the state of TN is not needed. 
Then I started getting foreclosure proceedings lodge against me with increased loan payments amounts stating that my insurance was not paid from XX/XX/XXXX-XX/XX/XXXX. 
XX/XX/XXXX-XX/XX/XXXX policy # XXXX was in my daughter 's name XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX policy # XXXX is in my name XXXX XXXX XXXX . XXXX XXXX group sent SLS {$1000.00} for my homeowner insurance policy # XXXX, but SLS increase my mortgage note over {$200.00} plus my loan note per month for their imposed homeowner insurance amount. 
When you call SLS they pass you around from one department to the next and then hang up your calls. Then when you finally  connect with someone you began experiencing a lack of communication within the company. I sent them documentation on their website per instruction ( XXXX ) showing there was no lapse of insurance they continued adding late fees and finance charges on my mortgage note, making it impossible for me to pay. SLS owes me a refund for {$1000.00} and all imposed inflated interest and late fees that I have had to pay. I'm not interested in selling my home and I'm paying XXXX my insurance premiums starting XX/XX/XXXX. SLS is to pay my city and county taxes out of my escrow which is included in my monthly note amount of {$690.00} and not {$970.00} that they have been trying to make me to pay. By trying to do this they are charging me interest and late fees with me now owing them an excessive amount to the tune of {$2200.00}. I called my Congressmen, XXXX Area Legal Services, United Housing, and XXXX. XXXX XXXX is my representative and we did a conference call with SLS around and about XX/XX/XXXX with XXXX in Customer Resolution@XXXX. XXXX conference us in to XXXX XXXX in Loss Mitigation. After a couple of hours speaking with these to they admitted there errors including my refund. As to this day I have only received more notices every month relating to debt collection delinquent payments, mortgage loan is in serious default/delinquent, application for mortgage assistance/relief options, relief change of intent forms, and as of XX/XX/XXXX notice of default and notice of intent to foreclose. 
I spoke with XXXX XXXX on XX/XX/XXXX in loss mitigation@XXXX. she requested same documents to be sent to XXXX which I did comply. Then I received my mortgage note for XX/XX/XXXX in the amount of {$2100.00}. 
This company has little disregard for the mortgages and finances of people. 
XXXX XXXX XXXX loan number # XXXX
I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.
I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!
Target called me, advising that someone had tried to open up a Target Credit card with my social security number. The reason why it was flagged was that I already had one.

The hard inquiry is still showing on XXXX. Can you please contact all three credit bureaus and advise to remove.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and XXXX 2016. 

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 or the payments were misapplied. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.
I have sent XXXX disputes over the last three months with no repsonse. You say there verified under FCRA 611 15 U.S.C 1681 how are you verifying that information. By law you have to investigate every dispute you get. You have failed to do that. You need to show proof of the information in your records.