WillisBack/dataset-financial-user-claim huggingface dataset:
This fraudulent company wrongfully charged my visa card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15 despite my having already called in 2 days prior to cancel on XXXX/XXXX/15 to cancel the ongoing membership with them before the next billing cycle began. I spoke to " XXXX '' on XXXX/XXXX/15, who went from stating he can help me with my cancellation, then in a desperate effort to keep me from canceling, holding on the phone for XXXX minutes, barely allowing me to speak. After XXXX minutes, XXXX finally told me that he had processed my cancellation request, sent me an email confirmation for the cancellation. Concerned about ongoing fraudulent billing practices and charges to my credit card, XXXX assured me that my card would not be billed any longer. 
I received the cancellation confirmation number : XXXX on XXXX/XXXX/15 indicating my membership had been cancelled. However, when I checked my XXXX XXXX checking account I discovered XXXX/One Technologies, L.P. had charged my XXXX card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15. Not only had this company billed me for ongoing service after cancellation, but they had the audacity to immediately restrict me from logging in and accessing the account. How dare you cancel my account and continue to bill me and then deny me access after you 've charged me for the whole month. Naturally, I assumed I would still have access to the account until the end of the month, being as though they had charged me already for the month of XXXX, but to my surprise and dismay they had restricted and denied any and all log-in and access to the account. How dare you. You charged me for the whole month, so I still have the right to access. I am disgusted and appalled by this scam company. They seem to take it personal, real personal when you choose to cancel your membership. They encourage, train their reps to aggressively bombard, burden, annoy and hold you up on the phone for upwards of 30 minutes by trying to distract and discourage and ultimately keep you from cancelling the expensive unimpressive, unsatisfactory services in hopes that they could persuade or should I say pressure you to choose XXXX of the for the exact same or similar, more appealing services for free or at a fraction of the cost, price it should have been at in the first place. What ever happened to just simply honoring the consumer 's request. I called you to cancel services. Period. Nothing less. Nothing more. They are hiding behind misleading advertising and false misrepresentations.
Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.
RECEIVABLES MANAGEMENT C provided an itemized statement, but did not provide ownership of this debt. By law they don't own the debt so how can they collect on this? per FDCPA section 603, the creditor  must provide ownership of this debt. I have and never had at any time any contract with RECEIVABLES MANAGEMENT C. They illegally have my account information and social security number, which is fraud because I have and never had any legally binding contract or agreement with them. They DO NOT have proof of ownership and failed to provide proof. 

Please remove this entry from my credit file or I will escalate this fraud account to the FTC.
I called my bank ( PNC ) XX/XX/XXXX ( 3 weeks ago ) and asked if I could get an extra couple of extra weeks to make my XX/XX/XXXX payment. I had done this once before in the past. This time, the woman on the phone told me I could skip my XX/XX/XXXX payment, and resume with my usual XX/XX/XXXX payment ( I have my payments taken automatically our of my account on the XXXX of the month ). Tonight at XXXX when I do n't really want to have to talk business, I get a call from PNC asking about my XX/XX/XXXX payment, telling me about a late fee and wanting to know what I can pay now. XXXX departments in the bank that do not talk with each other?
I received an American Express ( AmExp ) invitation letter asking me to open an AmExp Premier Gold Card in XXXX 2015. The invitation stated that XXXX bonus member reward points will be granted after spending {$1000.00} in the first three month. I called to apply the Gold card and submitted my invitation code that was printed on the invitation letter on XXXX XXXX, 2015. It was communicated clearly on the recorded phone line during the application. 

I made more than {$1000.00} eligible purchases on the card and paid in full on time by XXXX XXXX, 2015. As today, I did not find the XXXX bonus reward points posted in my account. I contacted AmExp customer service, shockingly to me that AmExp had CHANGED the terms of my contract and XXXX points would NOT granted to me. Because they were unable to find both the marketing letter sent to me and my application phone record. 

I was very upset of this finding. I believe that AmExp breached the contract with me and their marketing technique was deceptive and overstated the benefits. Being an AmExp credit card holder for more than 30 years with XXXX FICO scores, my trust to AmExp was broken. I stopped using this card. I contacted my legal adviser for this matter. 

I requested XXXX to investigate my case again. if unsolved, legal action will be taken.
I have many complaints and issues with this subject. Too many to describe at moment, but will give details later, do wish to be contacted immediately. I have been wrongfully blocked from Western Union, XXXX, even XXXX. I believe it is outside interference with select inside corrupt employees causing problems as well. I would like to be reinstated and have issues strongly evaluted, resolved and verified on my behalf. So that I can also retrieve my gifts - money transfers, that are being blocked by extortioners within and outside the company. I have strong reason to believe that this is what is going on, my new online business is being hacked and extorted the same, so now XXXX fold proof that I am being criminally robbed by rings and hackers. I do need someone to help me get protection and justice concerning and to retrieve my lost money and opportunities. XXXX, XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX.
In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.
Re Credit card # XXXX XX/XX/XXXX I went online to request change my payment date from the XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX- as system allowed up to 7 days later from due date. Payment due the XX/XX/XXXX payment, changed to XX/XX/XXXX. However Cap One made the statement appear that I cancelled payment on the due date -XX/XX/XXXX! ( Keep in mind my monthly payment is due the XX/XX/XXXX. ) They charged me a XXXX late fee and reported to credit bureau late. I have had an account with Cap One over 5 years and NEVER made any late payments and they chose to disrespect me, treat me unfairly, refuse to review and listen and correct. When customers are near their limit they disrespect their customers and and try to double up on late fees and lie about paymnt history. I called Cap one on XX/XX/XXXX and spoke with a male as he admitted I made a payment date change and he placed my payments back to the XX/XX/XXXX for the mon of XX/XX/XXXX-they have no right! So they can make even more $ off of me and reported late and now Im 2 months behind as its incorrect-EVen when I made my payment of XXXX in XX/XX/XXXX-they did no credit act for the month of XX/XX/XXXX- now showing 2 payments due ( XX/XX/XXXX & XX/XX/XXXX ). As u can see I cancelled XX/XX/XXXX payment that they show due XX/XX/XXXX when it was changed to the XX/XX/XXXX! Not fair! The male I spoke with ignored all issues and changed pmt back fraudulently and shows 2 pmts due illegally when they received XX/XX/XXXX payment on top of reported my act past due. If Im 2 payments behind why have I NOT received any calls payments are PAST DUE????????
Midland Credit owns a debt from XXXX XXXX in my name. I beleive Midland Credit " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( XXXX ). I also beleive that Midland Credit " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.
On   XXXX   XXXX   XXXX   I checked my credit report and I noticed an unfamiliar debt being reported by professional debt mediation for {$2100.00}. On   XXXX   XXXX   XXXX   I sent the company a letter asking for a validation of the said debt. On   XXXX   XXXX   XXXX   I received a response from the company including what they considered a debt validation letter. Included was a copy of the lease that I signed beginning   XXXX   XXXX   XXXX   to   XXXX   XXXX   XXXX  . Which is correct. Also included was a statement of charges charging late rental fees for  XXXX  and  XXXX  of  XXXX  and also  XXXX  of  XXXX  all dates I was not living in the apartment any longer. It also shows an eviction which I was never evicted, I moved out at the end of my lease. On  XXXX / XXXX / XXXX  I reached out to the company making them aware of the inaccuracies and asked that it be removed from my file. I sent the same letter again  XXXX  weeks later and still no response.
I opened an account at XXXX XXXX XXXX as a supplementary account to my main bank account. I funded it the account with just a XXXX dollars. I also attached XXXX to my XXXX account. 

I made a purchase on XXXX that was supposed to be charged to my credit card, but XXXX wrongly charged my bank account instead, causing an overdraft. Even though XXXX swiftly corrected the error and refunded the money, XXXX charged me an overdraft fee. I tried to explain to them that this was the result of a billing error but they would n't hear it. 

Ultimately, XXXX kept the overdraft fees and opened a collection account based solely on the fees.
I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece. 
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less. 
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.
pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked pay pal prepaid works with net spend and they put a block on my card but my money is on my card but i cant use it i need help getting it unblocked they did n't even tell me i had a block on my card i had to call and see what was my balance and that 's when they told me.i filed XXXX already dont seems like that is helping so i want to take further steps to get my card unblocked so basically the money is sitting on my card but i cant use it because they blocked my card.plus i filed a dispute on XXXX XXXX regarding a transaction that was not made by me {$940.00} they keeping that and only gave me {$170.00} so basically they giving me what they want to give me i dont want half of my money I want it all.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due    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.
I purchased a round trip airfare ticket online through XXXX on XX/XX/XXXX. The flight is scheduled for XX/XX/2018 and returning XX/XX/2018. I have explained to both American Express Serve and XXXX, there is no way I can use the tickets for this time frame as I have just started a new job. Neither of them are willing to assist me with a refund and I dont have {$270.00} to just give away. I was hung up on by both companies after they explained their policies and told there will be no resolve. Which does not make any sense to me.
XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX  customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.
XXXX student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XXXX of 2015. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XXXX XXXX, XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.
XXXX  has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XX/XX/18 received letter from XXXX stating my card # XXXX which never had a late payment was being closed because they did not have a physical address for me.The phone # ( XXXX ) they used to contact me was temporarily not viable because I had moved, the # is now active .I called the XXXX bank and spoke with mangager XXXX on XX/XX/18 about closing the card she was very rude and unhelpful.They could have contacted me by mail but went right to cancellationI 've had the card for years with no problem all that time they did not have a physical address.My main concern is that this cancellation will negatively affect my credit.I 've been a very good customer for years if they don't want my business that's fine but having a negative issue on my credit rating for no good reason is not acceptable.
I just discovered that there is a medical collection being reported to my credit by Trans National Corp, since the beginning of 2017. It 's for {$160.00} from   XXXX   XXXX   XXXX  , which I had to look up to discover is an  XXXX . I   XXXX   XXXX   last year and I assume this is from that.
Except I am fully insured, so there should be no outstanding debts. In fact, they told me to bring in {$2500.00} to cover my deductible and coinsurance, and I did. I was under the impression that I was paid in full, and never getting a bill certainly did n't do anything to dissuade that assumption. Had I received a bill, I 'd have taken care of this before it ended up as the ONLY negative mark on my otherwise  XXXX  credit report.
I also never got any notice of collection from Trans National so, again, I had no chance to get to the bottom of this error before seeing it on my report.
I 've disputed it with  XXXX  ( it 's only on   XXXX   ) and it came back as verified, so I assume they did n't actually do any real verification or it would have been deleted. Additionally, it is n't reporting as disputed, which I 'm told it has to be when you dispute something.
XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX  XX/XX/XXXX, XXXX credit card XX/XX/XXXX, Kohl's/Cap One XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Was shopping for refinance loan on my home, XXXX XXXX  informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I am writing in regards to a notification I received today XXXX/XXXX/2017 on my credit reports. A collection was added to my reports and I want it removed immediately! The company is Americollect and the amount is for {$170.00}. I have never heard of this company and I do not owe them any money! I never received a dunning letter in the mail to dispute this matter. I want this inaccurate information removed from my credit reports immediately!
On XXXX I called USAA Savings BankWhere I have a checking account to inquire about my account and why it was overdrawn. With no help or resolution on XXXX diffrent times I asked to speak with a supervisor finally I did. He was rude and I had to ask what his position with the bank because when the call was transfered. He just said hello how can I help you. I asked could he help gi over my transactions. He said you should know didnt you swipe your debit card. I told him was XXXX the mosr unprofessional people I had ever spoke with. He kept mocking me and would say he doesnt understand my question and he doesnt know how to help. I ended the call. About XXXX hrs later I went to go login to my account I was locked out so I called the number it instructed me to. 
The representive asked did I forget my pin zi said no. So she reset it. Then I asked who locked me out of my account online she said she didnt know and she would transfer me to the main customer service line. I did speak with a knowledgeable rep we went over all my transactions and posting dates. Just like a senior rep was aware I get paid weekly. I was informed my account had been reviewed for fraud but then it was competed. And she said someone put my account in a credit only ststus. She said when I get paid it should clear. She said my account was fine. On XXXX I logged into my account to see a pending/hold on my current balance. So I called in and was told my account is going to be closed and no explanation to why. So I explained to the rep I get paid every week. She said well I will get a check in 10 dsys when my deposit comes in. I explained to her I have XXXX small children. I hadnt done anything wrong is to why I cant access my money when I get paid. I asked to speak to a Supervisor he was polite but still of no help. He said my account was under review and until it is complete I have to wait. I asked why I never had any disputes or reported fraud. I get a simple pay direct deposited in my account each week. 
Its now Thursday and Im not allowed to simply withdraw XXXX the deposit amount was XXXX but USAA took the XXXX but still refuses to give me my money.