WillisBack/dataset-financial-user-claim huggingface dataset:
Amex Express, has place fraud information on my credit report. As of XX/XX/XXXX, on 2 accounts I had with the company. One amount Account charged off. {$2800.00} written off. {$2800.00} past due as of XX/XX/XXXX. On the first account I had made arrangement to pay ever month and you can see in the example below, payment were being made on time after the arrangement was agree on by the company through a recorded conversation. At no point in the report it shows the amounts that were paid ' Account History : Charge Off as of XX/XX/XXXX Balance History : XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2900.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3000.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2600.00} / no data / Unknown / Unknown XX/XX/XXXX : {$0.00} / no data / Unknown / Unknown The second Closed. {$320.00} past due as of XX/XX/XXXX. Show the same fraud information by this company, all my payment were up to date and there were no late payment. <P/>Balance History : XX/XX/XXXX : {$510.00} / no data / Unknown / Unknown XX/XX/XXXX : {$470.00} / no data / Unknown / Unknown XX/XX/XXXX : {$430.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$350.00} / no data / Unknown / Unknown XX/XX/XXXX : {$320.00} / no data / Unknown / Unknown XX/XX/XXXX : {$420.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$490.00} / no data / Unknown / Unknown XX/XX/XXXX : {$530.00} / no data / Unknown / Unknown XX/XX/XXXX : {$910.00} / no data / Unknown / Unknown XX/XX/XXXX : {$75.00} / no data / Unknown / Unknown I will like the company to see there file showing the account was late at anytime?
I disputed a charge at the end of my lease. The lease holder was XXXX XXXX. While in dispute, I continued to try to contact both the auto dealer and the leasing company. I did not get a satisfactory answer from either, and as a result chose not to pay the bill. XXXX and the XXXX dealership basically ignored the complaint, and I finally surrendered and paid the invoice. 

To my shock, this negatively affected my credit rating severely, which will have a material effect on my ability to borrow. My rating was approaching XXXX, and this tiny issue of less than {$400.00} dropped the rating to XXXX.
Bank of American credit card. 

I have tried working with Bank of America several times regarding two transactions. 

On XX/XX/XXXX I agreed to reserve a 10 person mobile home for an event " XXXX XXXX XXXX XXXX ''. The 10 person trailer was supposed to be available XXXX XXXX - XXXX, XXXX. Nowhere on the charge does it state it was non-refundable. The reservation was with, XXXX XXXX. The mobile home was supposed to be setup and available at the XXXX XXXX XXXX. The amount charged was XXXX. Credit Card transaction reference # XXXX. 

On XX/XX/XXXX I agreed to purchase tickets to the event " XXXX XXXX XXXX XXXX ''. Nowhere on the charge does it state it was non-refundable. The ticket purchase was through XXXX XXXX. Credit Card transaction reference # XXXX. Please see attached documents. 

It was discovered that XXXX XXXX had fraudulently advertised and taken money for an event that was not going to happen. The owners of the event had been arrested and the BBB had publicly notified everyone of the fraudulent activities. Please see attached documents. 

I immediately contacted Bank of America to ask for a refund. They returned the charge dated XX/XX/XXXX onXX/XX/XXXX but after contacting XXXX XXXX they reversed my credit on XX/XX/XXXX,  citing that XXXX XXXX said the event was still going to go on and all charges were non-refundable. 

I have continued to produced documents and statements of how the event was a fraud from the beginning and do not understand why Bank of America consistently is listening to the owners of XXXX XXXX. XXXX XXXX was updating their website to state all charges were non-refundable after they were found out to be frauds. It is well documented in the news that the owners have been arrested on Federal Charges. 

The last advice I was given was to wait until the event date passed to then submit that the event or services were never provided. 

On XX/XX/XXXX I called Bank of America yet again to state services were not rendered and they told me I could not submit another dispute on the same charges that I had previously submitted and that there was nothing they could do for me. XXXX from TN, their representative said there was nothing they could do for me. It was too old and I had already tried. 

My compliant is that Bank of America is not looking out for it 's customers. This will cause me to use a different credit card who will fight for it 's customer. Bank of America should have looked at the details of the complaints and not arbitrarily listened to XXXX XXXX who are obviously out fraudulently getting people 's money. 

I would like Bank of America to provide me a credit against XXXX XXXX 's account since services were never rendered due to this being a fraudulently offer of services never intended to be served.
To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX
I am an AMEX platinum card holder and I booked a package vacation for flight and hotel to XXXX XXXX. Arriving XX/XX/XXXX returning XX/XX/XXXX. Hotel : XXXX. Flight : XXXX XXXX XXXX. Prior to booking I called amex travel to confirm perks of booking at one of their Fine Hotels and Resorts ( XXXX ) and I was told that we would get : Noon check-in, when Available Room upgrade upon arrival, when available Daily breakfast for two people : {$30.00} per person, per day valid at several XXXX Restaurants In room wi-fi Guaranteed XXXX late check out {$100.00} property credit to be used during stay for spa or dining I called the XXXX to confirm these benefits but was told I did not qualify for these benefits because the reservation that I made thru AMEX travel was booked thru a 3rd party ( XXXX ). I explained to the rep that I did not book anything with XXXX and that it was booked thru AMEX but she rudely told me that I would have to call AMEX.

I then called AMEX and their statement was that because I booked a package deal the perks would not be honored. I don't feel that this is fair because it was not explained to me prior to booking. I also could not find any statement on their website that explained this. I feel that this is very misleading because these benefits are boldly listed on their amex travel website. We are paying {$720.00} annual fee to have this card for the benefits but we feel that we have been mislead and the representative should have thoroughly explained these details. It should also be boldly stated on their site that you loose these benefits if package ( hotel & flight ) is booked.
I have small business accounts with XXXX. I received a letter dated XXXX XXXX, 2016 from the bank informing me that the XXXX accounts relating to my company will be closed effective XXXX XXXX, 2016. I have not been given any reason for closing these accounts. I contacted the branch and the number give on the letter to find out the reason why they had closed the account - all they said was that it was a " business '' decision and that there is a clause in the account opening agreement that give them the right to close the account unilaterally. This has caused immense business and personal stress to me as I am undergoing XXXX XXXX later this week and am just not in a position to do what is needed to open new accounts and to move the alignment of payment processing companies to the new account. Furthermore, I feel it 's gross unprofessional of these big banks to bully small businesses by taking unilateral actions without giving any reason for their action, as they have with me. My business and bank account management is 100 % compliant on all US and International regulations, and I would request CFPB to direct XXXX to allow me to continue to operate these accounts.
I have an auto installment loan with Fifth Third Bank in XXXX, Ohio, which is due on the XXXX of each month. I ALWAYS pay this payment on the XXXX of each month. I have never once made a late payment on this account. Additionally, I have two separate credit cards which have bills due on the XXXX of each month also, whose mailing addresses are also in XXXX. Miraculously, the checks for these bills are always cashed on time ( before the XXXX ) and always make it to their destination within three or four days, but inexplicablythe payment for Fifth Third often does n't. Is it possible the U.S. Postal system takes extra long to get to Fifth Third in the SAME CITY as my other two payments sent at the same time? I do n't think so ...
Four or five times this year alone, Fifth Third Bank has changed me late fees in the amount of {$83.00} each time. Not only is that an outrageous amount for a late fee, my payment were NOT late!
Fifth Third has a habit of doing this. There are even a few Internet websites and blogs dedicated to consumer complaints about Fifth Third Bank. Their over-charging and erroneous assessment of late fees is a major complaint. Please feel free to look yourself ( see attached documents ).
I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXXXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XXXX XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to XXXX XXXX and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time XXXX XXXX calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.
Experian is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed
I have been receiving notices from Macy 's via email since XXXX concerning a credit card statement. I have repeatedly notified them that I do not have a credit card with this company nor have I ever had one with them. I did have an online shopping account. In XX/XX/2016 I started receiving late payment notices concerning a credit card payment via email from Macy 's. I once again contacted the company via email and phone that I did not have a credit card and after all this I will never get a credit card from them. I did log into my online shopping account and noticed XXXX credit cards were listed on the account, none of them were mine. I notified Macy 's customer service who after a couple of months did close my online shopping account but that did not resolve the problem of me receiving the credit card statement notifications. I also requested that any reference to my email account be removed from their database, but that is obviously too difficult of a task for them to complete. I have now filed a formal complaint with the FTC and with the CFPB.
I really do not know where to start at, I have been dealing with SPS- Select Portfolio Servicing since 2015, trying to do a deed in Lieu that I was approved for, due to me facing hardship at my job which caused me not able to keep my home, then I received a letter stating I did not have all the paper work I sent, I re-sent in all paper work via fax, next day postal service, an email and its the same story over an over now we are still here years later with the same issues we have found a realtor who is trying their best to help us yet are felling like what is really going on an why is it so hard to get results on a simple issue, granted no Deed in Lieu to transfer home back over, found a buyer to buy the house sent in all paperwork an still getting letters stating we are missing documents, every time we call its the same thing over an over we have sent in so much paper work Im tired I can not take it no more, SPS is very unprofessional no one knows anything, every time you call you get a different answer. they claim we had a relationship manager who we never spoke to accept once. SPS are sending us through the ringer an back, an its very sad to have to be putting up with this for over two years. I just feel this matter is above my head right now that is why I am looking for other resources to help me an my family now because enough is enough
I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX  XXXX XXXX XXXX in the amount of {$3600.00}. 

I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. 

I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. 

This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.
OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.
My loan was transferred from XXXX XXXX XXXX to Nationstar mortgage XX/XX/XXXX. I signed up for the online payment system. The withdraw was suppose to be {$1200.00} to be taken out on XX/XX/XXXX. On XXXX XXXX Nationstar withdrew {$2400.00} from my account, with no permission to withdraw that amount. In my subsequent attempts to get Nationstar to return the money that they were not entitled to, I have been getting the run around. I have been told on several ocassions that my money would be returned within 24 hours. I have yet to receive my money. Today is XX/XX/2015. The withdraw took place on XX/XX/2015. I am in danger of being overdrawn on my bills when the other bills that I pay out the this account are posted. 

I would like to have my money returned to me and to have Nationstar mortgage to never withdraw money from my account ever again. 

My name is XXXX XXXX address is XXXX XXXX. XXXX, MO XXXX ( XXXX ) XXXX
I mailed a certified letter to Transunion on XX/XX/XXXX and was received on XX/XX/XXXX via tracking update. No response as of XX/XX/XXXX.
I am a cosigner for Sallie Mae loans for XXXX sons, XXXX in college and XXXX graduated. I am paying the loans online monthly manually. I routinely pay them at the same time together. I pay them from the same personal checking account. The past few months, one of the payments is always rejected, the one that I make last. I have called customer service on multiple occasions and they refuse to help. They can not explain and they refuse to allow me to speak to anyone else. My bank is not rejecting the payments and in fact is not receiving the second payment withdraw request. I normally have a balance of several thousand dollars so there is never a low balance issue.
{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}
On XXXX XXXX, we reserved a rental car online thru XXXX. They reserved in calif but billed to their head office in XXXX XXXX. This was 'suspicious ' according to Elan so they blocked our card without notice. It was a Fidelity card issued by Elan Financial Services. 
We called and supposedly had our card unblocked especially the XXXX charge, that we advised was legitimate. When we traveled to pick up the car XXXX XXXX, ..it was still blocked! We called again and unblocked it again. 
Our complaint speaks to the general issue of blocking cards without notifying card users. 
Of course we are cancelling this card, the agrivation became just too much. However, we would welcome regulation that would require card holders to be notified of blockages. In some ways I feel they were harassing us to get us to cancel due to our age. 
Our card was blocked nearly every other month we used it.
This company, Dynamic Recovery Solutions, repeatedly robo calls my phone number and after multiple attempts on telling them to not call me, that I do not owe any debt to them ( nor have they ever properly verified or identified such ), tried hurting my excellent credit score ( which the reporting credit agencies finally removed ). I want them to stop and I will also sue them if they continue to harass me. I 'm hoping you can help. Do any type search of this company and you will find thousands of people harassed by them and them performing illegal activities. They use phone numbers XXXX and others.
The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.
In XXXX, 2016, the escrow on my mortgage account went up {$31.00}. I was never contacted. I submitted the payment on-line, on-time as always. The next thing I know I receive an alert from my credit monitoring that I have a potentially negative item on my report. I investigated and contacted the company ( XXXX XXXX immediately ). I expalined the situation and was told that they would investigate. I called two weeks later yo inquire about the status. They explained that it would not be removed. I then proceeded to dispute with Experian, first online and then by certified mail. I included all documentation and proof that the payment was made on time. 
I also submitted the same information to XXXX. I have not received a second response. 

Experian refused to remove the information, despite providing all the documentation.
I tried to login and get my free credit report and got the run around. 
Experian Denied me access. Said I already recieved one which is wrong. See attached file. 
Equifax stated " online delivery is unavailable '' which is a lie other wise why would the second window say " return to your report ''. Razzel dazzle. See XXXX attached screen captures. 
XXXX said " Credit report Unavailable '' for some reason. 
Tried to obtain reports on XXXX separate days so bogus excuses. 
Everything points to them trying to boost earning on my back. 
I obtained a report in 2012 but not now. 
All XXXX reporting agencies did not give me a report online. I have gotten one in 2012 but now they have made the system not give you a report and want me to pay them money. 
I am very unhappy with them and believe they should be shut down.
I am having continued issues with my credit file and equifax. I can not gain access to my report through my monitoring service that I have paid for quite some time. In my monitoring service I have the option to lock my credit report and I tried to unlock my report and have been unsucessful in getting this done. I have tried to contact equifax and it seems to go no where.
I'm in the process of purchasing a home when I obtained my credit report. Great Lakes shows my High Credit as {$24000.00} but shows my balance as {$36000.00} ; a variance of $ +XXXX over the credit limit which has a significant negative impact on my score. I called Great Lakes in attempt to either have the balance lowered or High Credit increased but was quickly told by XXXX that there was nothing that can be done and that what they are doing is not illegal although its impacting my score by 60+ FICO points and will remain that way until the loan is paid in full, I have been on time and in this environment there should be some compromise to not penalize consumers who are doing the right thing. The interest is ridiculous and should be illegal. Please review and XXXX sit me to get some answer to my concerns and possible some reconsideration of this way this trade line is reporting