WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 American Express claims they sent me a letter indicating they would increase my APR from 10 % to 17 %. 

I have am in good standing, as I have always been with all my creditors. 

I never received the letter, which the manager I spoke with shortly there after confirmed she did not see such correspondence within my account. 

In the following weeks, they provided me with a copy of a letter, which I suspect they doctored, to resemble what they should have sent out. 

Irrespective to the above, I signed up for Paperless delivery of billing statements and account communications, and this so called " letter '' was never within any paperless delivery. 

This is further confirmation the letter was not sent, and fabricated after the fact. 

Finally, because I was enrolled in paperless delivery of billing statement and account communications at the time, I should have received a copy of this via such, in addition to in the mail ( as required by law ). 

American Express has stolen money from me, by dramatically increasing my APR, and not properly notifying me of such increase.
Ocwen denied me my XXXX Principal reduction program saying I did not get paperwork in on time in a letter written to me on XXXX. Then on XXXX Ocwen said XXXX denied me the principal reduction program. On XXXX sent me a letter looking into it. Then on XXXX sent another letter saying looking into. On XXXX CFPB sent me a letter letting me know my complaint and evidence was sent to Ocwen. O XXXX Ocwen sold my home. 

At the end of XXXX XXXX called XXXX to see if Ocwen sent what was need and found out they did not so I asked for an extention all Ocwen had to do is call and let XXXX they are still working with me. Ocwen did and I got my extention. On XXXX called XXXX to see if Ocwen sent in paperwork but they did not so I asked for another extention all Ocwen had to do is call like they did the month before but instead Ocwen called XXXX and denied me. Ocwen lied about me not getting the paperwork in on time so when Ocwen got the evidence I sent they changed their story and said XXXX denied me. look at the paperwork I am sending with this complant.
Was contacted by XXXX, a representative of Pendleton Capital Management ( also doing business as XXXX XXXX XXXX ). XXXX stated that there was a bill that was past due, and I asked him to explain what it was for. 

XXXX stated that it did not matter and that if I did not pay him by XXXX XXXX  that he would contact the Florida State Attorneys Office and have criminal charges filed for prosecution. XXXX also stated that fines could be in upwards of {$3500.00}. 

I was very upset, and hesitantly I agreed to make the payment of {$160.00} to resolve the debt. I received 2 emails from their company. 

After the bill was paid there was an email sent stating the debt is satisfied and that I am to release XXXX XXXX XXXX of any liability. I do not agree with this statement. 

I feel this was handled completely unprofessionally and that atleast two debt collection practice laws had been violated.
Pioneer Credit Recovery XXXX XXXX XXXX. 
XXXX, NY XXXX Has been contacting people who served on my children 's schools PTA and telling them that I have an outstanding debt. They have been giving them account numbers and identified themselves as debt collectors.
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Sometime XX/XX/XXXX, my wife and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XXXX of XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from Fidelity Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.
I have provided every document to Round Point Mortgage and every time I call in they say they have everything, then I get a letter stating they need something else that I already have sent in. Now I keep on getting told it is in review. We are 60 days out and a BPO has not even been done as of yet.
I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.
I have sent XXXX XXXX a letter asking to validate that the account does belong to me ( see attachment 1 and 2 ). I have asked for pertinent information clearly ( see attachment 2 ) and highlighted such as : agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ; complete accounting of alleged debt ; etc. 

XXXX XXXX responded with a letter ( see attachment 3 and 4 ) that says : we are uncertain of what you are specifically disputing and a written explanation and documentation demonstrating any errors in our account information, etc.

Please see attachment 1 and 2 in which I have requested clearly to validate under the FDCPA to provide me with a competent evidence that I have any legal obligation to pay, which the said company has not done so and replied with a generic letter.

Prompt action would be appreciated.
I had a defaulted credit card obligation that I owed to Capital One Bank.  They filed suit against me in the Magistrate Court of XXXX County, Georgia.  A judgment was entered against me for $XXXX, on or about XX/XX/XXXX.  In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan.  I was told that I would have to satisfy the outstanding judgment lien to Capital One Bank before the re-financing could be completed.  I contacted the law firm representing Capital One Bank, XXXX XXXX XXXX, in early XX/XX/XXXX.  We reached a settlement amount of $XXXX to resolve the debt.  I spoke with attorney XXXX XXXX.  I mailed certified funds for $XXXX(cashiers check) to XXXX XXXX of XXXX XXXX XXXX  on XX/XX/XXXX.  They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX.  They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX.  Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by XXXX XXXX XXXX, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier.  My employer had been served with the garnishment and withheld 25% of my pay plus fees.  A total of $XXXX was taken from my paycheck.OnXX/XX/XXXX, I immediately called XXXX XXXX XXXX  to see what was going on.  I left messages for both XXXX XXXX and his assistant, and never received a call-back.  On Monday, XX/XX/XXXX, I again left messages for XXXX  and never received a call-back.This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25% OF MY CHECK.  AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF $XXXX.  THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED.They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED.  THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR.THE OFFENDING LAW FIRM/DEBT COLLECTOR IS:XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX(XXXX) XXXX
Ocwen has been reporting my mortgage late in error. Disputes were submitted through the credit bureau 's for correction of payment histroy. XXXX  updated payment history for myself correctly, however, Ocwen is still reporting erroneous late payments to my XXXX  report and also on my wife 's XXXX  and XXXX  credit reports.
I went on XXXX this morning and there was a change to my account that XXXX had sold an account to XXXX Collection. I have been disputing the validity of the debt with XXXX, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT. XXXX has done this with XXXX different account and is practicing deceptive methods to try and get issues resolved. I have never heard from falls, nor have they sent me anything with and account number or validation. I will dispute this to court if need be s this is quite illegal how they are practicing
I am writing in concerns about a student loan that was taken out in 2009. I attended XXXX. Before the sign up I was promised that my credits were transferable and they would assist me with job placement. Neither of the promises were honored. I was told they were an accredited college they were not that either. The loan taken out was supposed to pay for me to get my certification. It cost a {$100.00} out of my pocket to become certified. I feel as if I was told all this information just to sign up for the program. I have gone to the location several times, nothing was accomplished. XXXX XXXX were supposed to contact the graduates to verify if they had job placement. No one never called. Until this day I do not have a job within the field of my XXXX XXXX. I had to work odds and ends job just make ends meet. I thought me attending school again with guaranteed job placement would help. Instead, I am stuck with debt and empty promises.
they lied to me about the {$900.00} loan and was trying to charge me over {$1000.00} for a {$900.00} loan
I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, XXXX and Equifax remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XX/XX/XXXX and the end of XX/XX/XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
On Sunday XXXX XXXX, 2015 @ XXXX I went to an ATM Machine at an XXXX XXXX bank in XXXX, Georgia XXXX to withdraw {$500.00}. The ATM did not dispense the cash! However the funds were taken off my card. I have been trying to get the funds back for a week now, but to no avail. I have tried with the bank and with American Express Serve prepaid card company! They keep telling me that there needs to be an investigation! A woman from the XXXX XXXX bank 's Risk Management department in California by the name of XXXX XXXX called American Express Serve Company and told them about the ATM machine not working and they still will not give me my money! This is very disgusting to say the least!
I received a letter dated XXXX XXXX, 2015 on XXXX XXXX, 2015, from a company claiming that they purchased a debt from another company. I sent a letter asking for debt validation and requesting that they cease all communications until validation is provided. The company received the letter on XXXX XXXX, 2015. The company continues to call multiple times a day.
I have received XXXX debt collections letters from XXXX XXXX XXXX stating I owe {$2500.00} to XXXX credit. The address they have for me is incorrect, but our mail delivery person knows me and puts it in my mailbox anyway. I do not have a XXXX account, I never have. I have checked my credit reports and they show no debt.There are several hard inquires that I did not authorize or request. After the first letter, I sent a response to the collection company stating I did not authorize or acquire this debt and it was either a mistake or a scam. I would like this company to stop contacting me, and I would like all the hard inquiries on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2015 removed for my credit report.
I was an account holder of the Chase XXXX Visa card. One of the perks is that you receive Marriott Gold Elite Status as long as you spend {$10000.00} in an account year. I met that requirement for XX/XX/XXXX, and received Marriott Gold Elite Status XX/XX/XXXX. I spoke with a Chase account rep XX/XX/XXXX who confirmed I may close my account and not lose the status. I closed the Chase account, and lost the status.
I have repeatedly disputed credit report information to Experian regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX XXXX and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately Experian reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. Thank you for your time.
On XXXX/XXXX/XXXX XXXX recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted XXXX XXXXy @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the XXXX XXXX no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the XXXX said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says capital one bank however, I have never banked with capital one and never have fallen behind on any of my credit cards with capital one. I have also contacted capital one and have been advised nothing has been sent by them to this collections agency.
I had an auto loan with Bank of America. That auto loan was fully paid-off in XXXX of 2016 -- no dispute on that fact. 
In XXXX we have an " electronic title '' system, where once a lien is fully paid-off, the lender ( BofA in this case ) is obligated to then release the title to the State of XXXX, who then ensures that the XXXX DMV has a record of the title being free of encumbrances. At that point, as the owner of the vehicle ( free and clear ), I am supposed to be able to go process a sale of my car with little effort, again, since the XXXX DMV should now have the clear title in their systems, ready for transfer. 
It turns out that for whatever reason in my case BofA failed to release the title. The XXXX DMV still shows the lien recorded against it, and BofA, when contacted admitted " Oh, yes, we can see that the release was never completed. '' The problem I am facing is that I am moving from XXXX to XXXX next week, and as part of that process it is essential that I sell my car ... i can no longer do that because I do n't have the title. And because BofA will take 7-10 business days to process the release ( again, a release that they were supposed to process 9+ months ago ), and the XXXX systems take 7-10 business days of their own to update once the release is received form the bank, I am left to wait out approximately a month before I will have access to the title I should have access to today. 
The impact for me is that I guess I will need to reschedule my movers, my home sale and my transportation across the country -- seemingly thousands of dollars of impact. And thus far the response from BofA has been " yeah, sorry about that. '' In particular, I took note of the comment from the Customer Service Supervisor when I was asking how this could have happened in the first place and why the bank never caught the problem until I called. He told me " we do n't have any process to check if the release actually occurs. And we do n't have any staff that is assigned to follow-up on that. '' They actually just wait for their clients to catch it and then it is our responsibility to follow-up, figure out what has happened, and in my case at least, be left with the huge financial impact of their failure. That seems like a massive failure of internal policy -- I am not sure how it is even possible this is legal -- they are single-handedly denying me the ability to dispose of my property. Is n't that theft? 
What a joke.
I almost realized that I am paying almost two cars with this line of credit. This was not what I agreed upon at time of signature. Almost 50 % or more of everything I have been paying are to satisfy interest, not the principal, besides this company charges an absurd and abusive fees with increase their gain to the sky! So dishonest and unfair! I feel desperate and frustrated as I already tried many different times to get my money applied for the contract that I signed for, not this abusive mal practice. I am filling this complaint in a hope to find a resort for my complaint with this agency. 

Kindly Regards, XXXX XXXX XXXX XXXX XXXX XXXX
I had a collections bill from XXXX XXXX for {$100.00} Medical co-pay. This was transferred over to Syndicated Office Systems Collection Agency. I currently filed and completed a chapter XXXX bankruptcy, this collection was included on the bankruptcy. However ; they are refusing to remove this account off the XXXX credit bureaus or at least put it as closed. They are stating that they need to keep it open irregardless of the bankruptcy ; causing it to adversely affect my credit score.
Victim of ID theft or just not my account. 
Dispute of Bankruptcy returned as validated, verified by original creditor. 
My next steps included going to the court house to obtain supposedly " my record of bankruptcy '' Return results {$8.00} to find out you have no record. Next I wrote the US trustee inquiring so I could have a paper trail, Their response " We do not report to CRA 's '' Please call us@... .... 
I called to find out that only limited information is available and public reporting by outside sources is how the CRA obtain their information. NO SSN, NO DOB, names and address only! Now I 'm mad, I feel lied to and cant understand how I got into this mess.. There is no reports of this on the other CRAs?!?!?! 
So I did what any lost and confused person would do, Reached out to a consumer report attorney. His suggestion was to file a police report as ID theft and let the CRA figure it out. 
On XXXX/XXXX/16 Experian received police report, letter from US Trustee department, and statement requesting XXXX Block. XXXX/XXXX/16 - Per phone call XXXX request denied, we issued a letter today. 
I cant get this off of my report, There is no court documented Bankruptcy, A police report, a supportive letter from the trustee department, my statement ... .. What more can I do? 
I Have to avoid any lender that checks Experian because my score is XXXX now and I cant secure the credit I need or even rent an apartment or buy a home due to Experian 's lack of compliance the basic laws.
I brought a cashiers check to open an account and was told that the funds would be available the next day, so I agreed to open the account, then when I deposited the check I noticed on the receipt that the funds would not be available for another week because I am a new customer. I was not told this before opening the account I was told that the funds would be available the next day otherwise I would have not opened the account because I have another active checking account at another bank. I was misled and deceived.
On XX/XX/2018 I received a letter from American Express telling me that " We may begin sharing your information with out partners. '' I called the company to again tell them that they should not share any information or solicit me in any way. Through an automated phone system I was offered seven ways to turn off sharing, but several would be automatically reinstated in 3 years or others in 5 years. I called to talk to a person and was told that there was no option to permanently turn off sharing my information or marketing to me. They were also unable to tell me if my state offered a longer protection for my settings to stay in place. When I went online there was an eighth setting for privacy which was still selected in which they had the right to sell my purchase information. I had to turn this off separately and was not part of the phone options.

I would like a way to keep my privacy settings in place permanently. And I think telling me over and over again that there were only 7 settings and withholding the 8th setting is fraudulent.
It has been a four year up hill battle with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The fraudulent mortgage loan originated with Country Wide in XXXX Credit was obtained for over XXXX XXXX XXXX dollars in my name by a dishonest loan officer. The loan was put in my name and the loan officer without my knowledge then put through paper work giving the house to the occupants and leaving me personally stuck with the loan. I filed an identity theft detailed report from law enforcement. Law enforcement noted the numerous forgeries from the original loan. I can forward all documents to you at your request. XXXX and XXXX loan services have refused to block the inaccurate information. The occupants of the house became nine months behind when I learned of the fraud. My credit was ruined. There are multiple investigations currently being conducted and led by XXXX XXXX XXXX XXXX XXXX. I need the banks to immediately block this fraudulent inaccurate information according to the XXXX. The banks have all copies of the documents from the authorities and refuse to acknowledge law enforcements findings. The loan officer is currently under investigation for multiple fraudulent loans. I am requesting your help in resolving this matter with XXXX and XXXX In addition after providing ID theft documents to XXXX and XXXX they immediately blocked the fraudulent loans. 

Thank YouXXXX XXXX XXXX XXXX