WillisBack/dataset-financial-user-claim huggingface dataset:
I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card, American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken.
I have a complaint on file submission number  XXXX  against Nationstar Mortgage and  XXXX    XXXX   XXXX   XXXX . My property address is  XXXX   XXXX   XXXX   XXXX , TN  XXXX . Nationstar Mortgage received a certified copy of my complaint on  XXXX   XXXX ,   XXXX   and  XXXX    XXXX   XXXX   XXXX  received a certified copy of my complaint on  XXXX   XXXX ,   XXXX  . Neither provided any written response to my documented complaints. Today  XXXX   XXXX ,   XXXX   I discovered that  XXXX   XXXX   XXXX   XXXX   has filed trustee 's deed paperwork in the Tennessee  register of d eeds office   XXXX   XXXX   XXXX   dated  XXXX   XXXX ,   XXXX   suggesting that they have foreclosed on my property and that the property has been sold to  XXXX   XXXX  -BACKED PASS -THROUGH CERTIFICATES   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  AS TRUSTEE for {$72000.00} as the highest and best bid offered and deed of trust transferred to the same. They allege that said sale was postponed until  XXXX   XXXX ,   XXXX   and I received no written notification or other correspondence from  XXXX   XXXX   XXXX    XXXX  n or Nationstar  that there would be a foreclosure sale on that date. They have committed fraud and conversion against me and used deceptive tactics in an attempt to rob me of my home. I further do not believe that there was a legal, public, foreclosure sale held in reference to  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I have not voluntarily granted the deed to my home to any entity and I have received no correspondence addressing my previous complaints, nor indicating that any deed transfer would take place on  XXXX   XXXX ,   XXXX  . Their actions are malicious, deceptive, and violate the Fair Debt Collection Practices Act.
Equifax Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.
I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant  treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Synchrony Financial closed my credit card account due to long term inactivity without providing me any notification that the account would be closed. I understand that those are within the terms of the account. What I do n't understand is why Synchrony does n't seem to care that this is a very frustrating experience for me as their client. I wanted to use this card but was unable to find it, so I called the service number on XX/XX/2016 to report it as lost. The system stated to me that my account was closed on XX/XX/2016 due to long term inactivity. The first person I spoke with said that it would be impossible to reopen the account. I also spoke with an escalation specialist who stated to me that the typical duration of " long term inactivity '' was 24-36 months, and that my account was inactive for 12 months. When I pointed out that this was inconsistent, she changed and said that 12 months also would be considered long term inactivity. She said that no person within the entire company has the ability to reopen my account. 

I understand that Sychrony Financial mitigates risk by closing inactive accounts. I also understand that within the terms that I agreed to when I opened the account, Synchrony Financial reserves the right to close the account anytime without notice. My complaint is that this provides for a horrible customer experience. Does n't Synchrony Financialwant my business? Apparently not. Although I did not use the account for a full year, I planned to use the account when it was financially reasonable to do so. Is n't that the type of customer that Synchrony Bank wants? A financially responsible customer who will use the card and provide payment processing revenue to the bank without eating away revenue with unpaid principal balances? Synchrony Financial would a least do well to notify their customers that their accounts will be closed. Of course they do n't have to according to the terms and conditions. But why do n't they want to develop a good relationship or experience for the customers that they already have? 

I was invited to apply for a new account with Synchrony Financial. This is not an appropriate resolution in this case because it has been less than 45 days since my account was closed. I believe this to be a reasonable amount of time for my account to be eligible to be reopened. I wish to use is card to maintain my good credit, and I do n't want an inquiry on my credit to use an account that I already had. If Synchrony Financial had notified me that my account was in danger of closure due to inactivity, I would have used the card.
got a letter from XXXX XXXX ( see attached 1 ) that a transfer to the PNC Bank needed to be addressed. I then contacted the PNC Bank in XXXX tx and received a response detailing that the funds were to large to make a direct deposit ( attached 2 ) As I did n't have the XXXX asked for to start this I was told they could work out an arrangement for 10 % of the total XXXX XXXX. ( attached 3 ) then they decided that it could only be don on direct deposit, which they tod me at the beginning was illegal, and when I question the legality of this I just ge the same response ( attached 4 ). Any questions just gets the same respnse. send {$780.00} to start and agree to a fee of 10 % of the total XXXX XXXX and it will be direct deposited, which they said was not legal. I do n't know if this whole hing is a scam or what the deal is but I can get no other answer from them or from XXXX XXXX at the XXXX who first contacted me.
On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate. 
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not. 
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees. 
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist. 
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.
I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks
I do not have the exact date that a manager contacted me this month but they were not willing to modify my loan considering the car was totaled and my balance left is a deficiency after the insurance paid them replacement value minus {$500.00} deductible. Perfect pay history mind you not. Since they were unwilling to work with me I requested a full cease and desist. They robocalled me yesterday and I called back to advise them again that I requested a cease and desist and to stop calling me but they called again today. I know that they are supposed to honor my verbal request but they are not doing so.
Before applying for the income contingent plan, I have had a really hard time with XXXX trying to get my student loans paid! After being deferred for quite some time I have incurred many fees which have put me further behind on payments! I am still being charged large sums of interest on the income contingent plan
I originally took out a loan for my my XXXX degree through XXXX XXXX. For reasons unknown my loan was sold to Navient, and now my interest rate is variable, and 11.5 %. I can not get any answers about how this change happened. In addition, when I have tried to work with Navient to get forbearance, they have repeatedly played games with me, made commitments they did not keep, and negatively impacted my credit.
Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX   rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX  XXXX XXXX  XXXX XXXX a XXXX XXXX  XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.
I owe a past due to PayPal and the credit collector, XXXX, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.
While reviewing my credit report I saw a credit inquiry from  XXXX  wireless on  XXXX / XXXX /  XXXX   that was NOT authorized by myself. I made contact in writing and by phone to  XXXX  explaining to them to investigate and delete from my credit report. They sent a letter back stating that they have no way of deleting and for me to make contact to the bureau and they will go about disputing. I made contact to TransUnion attaching the letter that was sent to me by  XXXX  stating to investigate the inquiry and delete because this was not authorized by me. I received a letter back from TransUnion basically explaining what a inquiry was with no explaination of what I sent to them. They did n't even acknowledge the inquiry at hand. And also telling me to contact  XXXX . I 'm being told by both parties to contact  one  or the another and no one is willing to take resposibility. This is unlawful and is against my fair credit reporting act. Letters attach.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed Please resolve this manner as soon as possible Thank you
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX FI XXXX, XXXX XXXX XXXX XXXX XXXX
You have failed to respond to a certified letter date XXXX XXXX, 2016 within the 30 day required time frame. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself. Filing was made today XXXX/XXXX/2016. Your court date is XXXX XXXX, 2016 and my attorney will be sending you the summons via certified mail to your registered agent. 
Should you remove the item forthwith with notification as such, we will cancel the lawsuit.
XX/XX/XXXX I contacted collection agency and consumer reporting agency via Certified mail. 

I have only received letters back from you that it was verified electronically. 

How can that be? 

When I disputed with this collection agency they had nothing that they could provide me that proves that I Owe them the debt here in. 
They mailed me a bill. As an attempt for debt validation. 
A month later I disputed a second time with collection agency and here said consumer reporting agency. 
They again sent me only a bill attached with it is an old email conversation between a property manager. I XXXX the company. 
I found out it was a property management company. So I sent certified mail to original company. They couldn't provide me anything. They said they had nothing to provide me. no lease no contract they do not have any record of me. 

I called the collection agency again I sent another letter. that asked question CFPB suggest specific questions to ask to make sure i'm not paying someone that can just steal my money or sell to someone else. this is a lot of money I need to be 100 % sure that this is mine and 100 % according to the fair credit reporting and fair debt collection practices. 
I asked to provide a contract showing they owned debt. And how did they get it. They said they did not owe the debt they did not have a contract. But if I paid them that I could trust that it will be removed off of my credit report. I told them that I would never pay someone money that did not owe the debt or could not provide a contract showing an original creditor sold them the debt or had made an agreement with them. All the man on phone could say was he understood but if I could make some payment we could work this out. 

This does not feel right ... .. 
I've asked many questions. 

Please tell me how you verified this debt Was it electronically? 
Did you contact original furnisher? 
I have copies of certified mail I have done my own personal investigation. 

Please tell me how when I have disputed this debt with your company that in a matter of a few days you were able to verify this yet it has taken me months to get anywhere and its only proving that this is not proper verification nor proper consumer debt or consumer reporting. 

There are many XXXX XXXX out there. If they do not have a contract if they can not show they own debt how can this be? 
Nor can they show that they own the debt. But they can report it. 
No exclusive agreement between a company? 
this is not my debt Attached you will see my copies of letters This needs to be removed it is hindering me. Either its removed now or I have to hire an attorney one way or another it will be removed id rather you please look at what i have attached and make a timely decision please.

This is not consumer debt. This is not reporting accurately and fairly.

Please see attached letters that I have mailed.
My husband and I are veterans and have a VA XXXX year hybrid loan through XXXX Mortgage ( Formerly XXXX ), and their Loan Servicing agent is Ocwen Loan Servicing. We are not in Foreclosure and we are not XXXX days late, but because of the timing of my paydays we are often paying our mortgage beyond their XXXX day grace period each month. Promptly, on day XXXX, they begin a barrage of calls to our house, literally blowing up our house phone. My husband is a XXXXy XXXX and he has laid there and listened to them call, then hang up and immediately, auto-redial us repeatedly sometime XXXX times in a row at like XXXX in the morning. Today is XXXX XXXX, a Saturday, and we laid there and listened to our phone go off at XXXX this morning for about XXXX or XXXX minutes of the phone continuing to ring. This wakes up our kids and is disrupting my husband 's sleep. Even after we pay our bill we continue to receive collection phone calls for days after, even after repeatedly reminding them that we have paid. They have reported us late several time when we are not or when I have had trouble with their website, and even after filing disputes with the credit reporting agencies, the report remains unchanged by the credit reporting agencies. Now, our credit has been harmed and if we were to attempt to refi at this time, we would pay more based on our credit score. XXXX weeks ago we tried to get a refi quote from a lender, and I called the Ocwen customer service line, requesting a copy of our Adjustable Rate Note, for the loan application. The agent on the phone said it would that XXXX days to receive it in the mail-that was XXXX weeks ago and we still have not received our Adjustable Rate Note in the mail. VERY VERY POOR CUSTOMER SERVICE-AND PREDATORY COLLECTION PRACTICES.
Consumer serviceMy problem is that this Synchrony Bank XXXX XXXX did not apply my payment to the higher interest account instead it was a applied to thelower interest account ( Balance before payment {$1500.00} after the payment {$590.00} ) The higher interest account did not go down remains the same {$4700.00} I have continued making the payments on this account never having any late payment. 
I had talked to the customer service dept before I made the payment they she assured me that the payment would beapplied to the higher interest account since I had already paid the payment due on the lower interest account. Needless to say they applied thefull {$1000.00} to the lower interest account. I have called them regarding this issue they explained that they had applied the payment to thehigher interest account which they did not. I sent a letter showing them prove they did not do what was promised. Hope you can helpwith this dishonest practice they want to charge the customers the higher interest of 23.99 % on the account. The lower interest of 4.99 % wasa promotion they offered for the life of the loan. 
Thank you for your time, XXXX XXXXXXXXXXXX XXXX, FL XXXX XXXX XXXX