WillisBack/dataset-financial-user-claim huggingface dataset:
Aloha, Having received two confirmations of the resolution of my hacked account ( XXXX ) in which American Express issued an additional card to an unknown person at a different address, ( XX/XX/2017 from XXXX ( a XXXX? ) in XXXX, and XX/XX/2017 from XXXX of Fraud Services, no address given. ) I have received a refusal from your XXXX Office ( XX/XX/2017 ) to comply. 

I informed them them of the following : '' As a consequence, I will be filing a criminal complaint with the Public Prosecutor 's Office in XXXX against American Express for extortion. 

I previously was told by your agent that I had to pay the minimal amount on my bill to keep the account open so the fraudulent claims could be resolved. 

Now that the issue has been resolved and you did not refund my {$240.00}, your action confirms the intent to extort payments from the victim of fraud rather than resolve the issue. '' Then I received yesterday, XXXX ' ( the incontinent? ) letter telling me to call XXXX if I needed " further service. '' I wanted to inform them that XXXX would not comply, but all I got were four electronic referrals telling me that no such account existed. Finally, I got an " XXXX '' who recycled me to the recorded message at the Fraud Division. Unable to reply to their demands for a fifth time, I go a real person who told me there was no " XXXX '' in Fraud Services. Apparently, AmEx 's Fraud Services engages in fraud. 

Now I have to follow through and prosecute AmEx for extortion. In addition, I will include the BBB, XXXX, the XXXX, and the Consumer Protection Office of the U. 
S. Treasury to justify an inquiry into your business practices. My proposed remedy is that your legal department will be required to be instructed in all " persons '' obligations under the US Constitution. If they continue to argue that they are legal, I would move to have them disbarred to practice law in the USA. Consumer Protection would then be responsible to restructure your consumer " care '' (? ) operations to make them compliant with the Constitution. ( Vide : " XXXX '' and the US Constitution, " indentured servitude. '' Membership credit cards carry excessive interest fees to keep the economically vulnerable in " legal '' servitude to the credit agency and are intentionally designed to inflict these ill-gained profits. This relates to all membership credit cards issued by airlines, banks, etc. who engage in this practice. ) XXXX XXXX, HI XXXX XXXX
I have applied for XXXX modifications on my loan and I have not received a response back in writing for either request. I have spoken with a manger who could not understand how my payments have been applied to my account. He also spoke of a {$5.00} a day penalty late charge that I have never heard of. XXXX was to research my payment history as well as the type of loan that has been enforce since Nationstar Mortgage took over and call me on XXXX/XXXX/16. I have not heard anything back from the manger XXXX as of today XXXX/XXXX/16. I called this morning and was told by customer service that XXXX was not available. The representative asked me if she could give me his extension and transfer me to his line and I asked for XXXX last name. At that time she asked me to hold and proceeded to transfer me to XXXX XXXX who is my account repersentive. I have sent {$1000.00} for the past two months and ready to send another {$1000.00} without any satisfaction from this company. My balance has not moved since they bought my account from XXXX XXXX XXXX. They are the worst company I have ever dealt with.
I have disputed a closed account with XXXX through Equifax over 6 times. Every time their representatives put in their own description of my dispute. First to verify if it was my account, another to verify if the account was in a bankruptcy, and once again they sent another dispute checking late payments! So the company supposedly keeps responding- YES IT'S HER ACCOUNT, YES PAYMENTS WERE LATE, NO NOT IN BANKRUPTCY therefore the account stays in my credit report. What I have told them time and time again is that they are reporting fraudulent information causing me to be denied for a VA Mortgage Loan. I have contacted the company several times, the managers do not care and are disgustingly rude at XXXX. They reported I have refinanced or renewed this account when this is not true. I have never refinanced anything or renewed anything with XXXX! They are purposely doing this to ruin my credit. Equifax states they are simply getting the information from the company, so when I asked what proof or paperwork they have they say they have nothing. It is all electronic, they have NO PROOF. I have given them all the proof they need and they can see on my credit report how the status has changed throughout the years and every time I dispute the status is worst than the last time. Now I have to wait another 30-45 days for the company to respond? This is unacceptable.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have a an unvalidated and unverified account from CHOICE RECOVERY XXXX, XXXX. I have previously disputed this account several times. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I never received a letter stating I owed nor that I had a right to dispute. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements verbally allegedly related to this debt and currently being illegally reported to the credit bureaus ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether CHOICE RECOVERY purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and COLLECTION ( deleting from all credit bureaus immediately as law requires ) actives and provide the verification of the purported debt.
Opened account on XX/XX/XXXX, paid as agreed up to todays date of XX/XX/XXXX. 
Santander has refused to timely communicate or resolve the 4 missing payments to date. 
The dates of the missing payments are XX/XX/XXXX,XX/XX/XXXX and 2 payments combined on XX/XX/XXXX. 
Santander uses a 3rd party to process their payments ; XXXX XXXX speed pay. 
XXXX XXXX confirmed they processed these payments successfully, and certified/notorized bank statements have been provided as well. A complaint about this issue, but only the first 2 payments were involved, the payments from XX/XX/XXXX are completely seperate and new. 
Santander has had numerous similar complaints filed against them that are available on the internet. 
They are acting like thieves, not returning calls or communicating to resolve this major issue. 
My attorney has attempted to contact Santander, only to have Santander claim they needed a release to discuss my account, but a release was provided over a month ago, confirmed received by Santander, but still no contact. 
This behavior is unacceptable, and harmful to me, as my credit score went down over 150 points and lost income. 
Their policies are against the laws and need to be rewritten to comply with the law.
I submitted a previous complaint about Experian through CFPB and Experian stated that the complaint was general and not specific enough for them so they closed the complaint.
XXXX paid XXXX charge original interest XXXX My mother was put into paperless billing, and I called Wells Fargo and they told me the bill was lost in the mail, but they would send a bill and this would never happen again. XXXX months later they mail my mother a debt collection letter. I paid off the entire bill with the interest as soon as I was aware of it. My mother born in XX/XX/XXXX is a XXXX and is unable to use electronic banking or even write checks herself. Wells Fargo put her on Paperless billing so they would not send a bill and they could make money on interest charged to my mother. I want my information to be used as an example to help other seniors who are victims of Wells Fargo.
When I make extra payments to be applied to the principle they apply it as a payment. I emailed them on XX/XX/XXXX and no one has responded. I also tried calling 3 times and Ive waited on hold as long as 20 minutes and still unable to speak with anyone. I want to make sure that extra payments Ive made in both XXXX and XXXX were applied to the principle only.
This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX.
SLS purchased the servicing of my mortgage from XXXX at the beignning of XX/XX/2016. They sent me notification of the change. I registered as a new customer on the website. I started getting robocalls from them saying register on the site. NO message other than to register. ON the website no messages. When I tried to call they do not answer but put you on voicemail. Then I get a letter saying they are purchasing insurance for me since I do n't have it. I try to get in touch with them and again get in a voicemail loop. They purchased insurance for $ XXXX and when I finally in touch with someone on the phone to say that I had and have had homeowner 's insurnace continuously for the last XXXX years they said ok and sent me a letter saying that the insurance they had ordered had been canceled and my account had been refunded. Then in XX/XX/XXXX they raised my monthly mortgage payment by {$100.00} with no notice ... when I called and called and called and finally got to speak to a person, she said it was because of fluctuations in tax assessment ... I said that 's impossible since I have a tax abatement ... she said she would check. I called and called an called again and another agent said it was because I did n't have exterior insurance and so the escrow to cover the insurance had to be raised. I went through the whole song and dance about being ina condo and exterior insurance being covered by the association. Then she said it was because I did n't have homeowner 's insurance and XXXX had to get it for me. I never had a lapse in insurance coverage. they said it was because I did n't have insurance on the exterior of the building. I registered a complaint here and there was supposed to be an investigation ... this complaint agency just notifies the company and then let 's the company respond with " We need more time. '' After a certain period this bureau just erases the complaint or deactivates it. I saved a pdf of my complaint and it disappeared ... .SLS is buying insurance without due diligence to determine if a homeowner has insurance already, is giving that business to their own business associates, increasing mortgage payments without proper notification, probably targeting older people who are not aware and then creeating an overdue balance that they can later scoop down on and foreclose on ... they are also probably targeting properties in areas in which the values are going up. They do not accept phone calls directly but put you on hold or through a voicemail system and no one returns calls. They have no email address to contact them. The XXXX fax number that they provide is always busy and does not accept faxes XXXX I tried to send a fax documenting the insurance XXXX and it did not go through ). This company is scamming people. They were supposed to do a stats analysis of my escrow account ... but they have not credited my account with the $ XXXX charge for insurance but factored that into my escrow and now my mortgage payment has increased to {$30.00} more than then original fee. They are crooks. I want my mortgage amount back to the original amount agreed on.
On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.
XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.
Thank you for reading into my complaint ... 

I'm writing to express how disconcerted I am with the way Wells Fargo 's personal loan system closes out accounts. This seems to be an unfair, systemic problem rather than a lone wolf issue. I applied for a 2nd lower interest rate loan through WF, just enough to pay off the balance from the 1st WF loan, which was viewable online. Nowhere did I see online that I needed to contact them by phone or go into a bank to close the account to get the ACTUAL remaining balance ( which would include " interest '', {$66.00} ), though I'm told it's within the online statements, which I still haven't found. The phone banker informed me people have expressed frustration with this before. 
It makes no sense why this " final interest '' amount is not written in bold or red text within the online page where that total balance is being paid off. It was XX/XX/XXXX when I paid the remaining balance and I planned on calling today, XX/XX/XXXX, to actually close the account. It was only at this point that I saw a {$66.00} balance online. 

It's taken me 1 hour of phone time and a lot of push to get {$10.00} waived since I feel strongly that this is unfair practice, it's sneaky and makes me feel like this remaining interest may not in fact be that! It draws the sense that they are just tagging on extra random fees and calling it interest. 
I paid the unwaived {$56.00} reluctantly ( via transfer from another WF acct ) and closed the account over the phone, but after reconsideration called back and requested the {$56.00} be refunded too. After another hour of reexplaining my situation to a handful of employees from various departments I was told it's " impossible '' for them to reverse the transaction since my personal loan account is now posted as closed ( even though XXXX initially approved the refund after the closure ). I gave up with them today but am reaching out to you because there is no way this isn't an issue for others and I don't want this to continue happening. 
I was told there is a XXXX cent daily accrual on these " interest '' fees after what I thought was my final balance. What if I didn't check my account for a month?! What if I were impoverished and literally scraping for pennies to get by? For someone like my mother who never goes online ( I sometimes go online for her and do transfers, etc. ) we wouldn't think to even ask about a remaining interest balance for a loan we thought was paid off. 
This isn't a checking account that we view the balance of at ATMs or online most days, it's a LOAN that many people often receive the balance for once a month when they get statement letters in the mail! So XXXX cents times how many days or months for older citizens or people who aren't able to view these balances regularly? Wells Fargo allows these accounts to continue accruing interest. 

There needs to be a better way to regulate this. 

Thank you again for reviewing my complaint. 

Best, XXXX
In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter. 
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back. 
This entire experience has caused me and my family XXXX and XXXX.
We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute.
XXXX XXXX is refusing to review a complete modification package stating that it is too close to the sale date. Yet the file was marked as received and in review per Execive office. XXXX XXXX is dual tracking which is illegal.
I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday, XXXX XXXX, XXXX that identified an unspecified debt and directed me to call XXXX.
We had a shortsale, but Bank of America has it posted as a foreclosure on our credit record. We 've requested multiple times to have it fixed and they are not responding.
Chase bank   XXXX   XXXX   is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of { XXXX } and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.