WillisBack/dataset-financial-user-claim huggingface dataset:
I have been with American Express for more than 10 years and I have had a few or maybe no late fee and interest charge on my card. I an attempt to upgrade my gold card, I was offered to apply for a new platinum Delta Skymile card. Since I had an autopay on the gold card, I thought it will be automatically applied for the new platinum. On XX/XX/XXXX, I saw that there is a {$27.00} charge on my card as a fee for late payment. I immediately called and asked for a courtesy reimbursement which was done, then I realized that there is an interest fee that Amex also applied to my account : {$480.00} ; I called Amex and a lady answer my phone, she told me that they would reverse the fee to my account if I pay the amount due, which I did immediately with her on the phone. She told me that the payment will take effect between 24-48hrs and I should just call after than to get the money back ( she made a note of it ). Today I called to ask for the reimbursement, but this time the customer representative and the supervisor ( XXXX ) I spoke with where no help and drove me to a point where I would like to cancel my card.

They where not understanding and kept interrupting me and going in their own loop. In the end, I hung up frustrated and annoyed. I am using this card a lot for my travelling and others, unfortunately I have to cancel this card, my wife 's and my other blue Amex if no action is taken. I will also take legal actions against Amex and XXXX, because this is unfair and limit taking customer money when you are supposed to be protecting customer 's interest
The lender obtained an invalid and unreliable " drive-by '' appraisal. I submitted my dispute in line with the request for appraisal reevaluation with information that was ignored and not included in the appraisal information, including but not limited to exterior improvements including windows and photovoltaic systems. The `` drive by '' inspection involved old photos taken from prior MLS online photos and no actual drive by inspection was completed. The Appraisal was disputed with accurate information of similar property types including recent sales of actual comparable properties within 60 days. Discover advised on a daily basis for more than 3 weeks that their service and processing centers were so bombarded with applications that processing and underwriting have been severely delayed. when the final appraisal dispute finally came back, I was advised that Discover 's own managers who specifically handle appraisal disputes had made the decision internally to reject relevant data. Additionally, in good faith, a separate and independent full appraisal was completed and they advised that that was not taken into consideration, even though the dispute was presented in compliance with the requirements of the Dodd Frank Act and Appraiser Independence Requirements. Discover, by means of its employees and training practices has proven itself not to be in compliance with the Dodd Frank Act and as a result, my application has caused my credit score to be affected as I agreed in good faith for them too pull my credit.
XXXX XXXX 2016 : XXXX XXXX XXXX XXXX XXXX ( creditor- XXXX XXXX ) {$450.00} account removed by Transunion ; still being reported on XXXX . I have disputed with XXXX and they have not removed. It is also showing on XXXX still. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( credior- XXXX ) {$91.00} : removed by Transunion : XXXX has not cooperated in deleting, and is still reporting. Still showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( creditor- XXXX ) {$360.00} removed by Transunion , XXXX has not cooperated in deleting and is still reporting. Still also showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX ( creditor XXXX ) {$540.00} removed by XXXX Transunion is still reporting, although I disputed with them. Also showing on XXXX.
The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. 

In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. 

I have emails and statements to back up this information, which I will provide here if there is a method to do so.
XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Hello, I have recently learned that the company who claimed I could get my student loans forgiven from has been charging me for " re-consolidating '' my loans and doing something that my loan provider offers for free. They made it seem as if the money I was paying to them would be going towards my student loans when it was going towards the company, and I had stopped paying my student loans because I was eligible for a payment of {$0.00}.   Date of contract was  X/XX/2016
I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.
There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me
For at least three times since XX/XX/XXXX and as requested by my lender First Key Mortgage, LLC XXXX, XXXX C/0 XXXX XXXX XXXX XXXX XXXX ( XXXX ), I had already faxed and downloaded ( into lender 's website ) proof insurance policy covering the improvements and betterments within my townhouse unit as confirmed several times by lender representatives on the phone and by fax receipts ( see attachment for verification ). But they kept sending me letters saying I did not provide proof of coverage and force me to buy their insurance by setting up an impound/escrow account for my loan.
I made a large deposit on XXXX/XXXX/16 at XXXX XXXX Eastern time to my savings account, # XXXX at Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. At the time of deposit I was told the funds would be available either Tuesday or Wednesday. Today, XXXX/XXXX/16, I was told the funds would not be available till XXXX/XXXX/16. Yes that is 7+ business days from the deposit. Is n't this in violation of a banking regulation? The time is excessive! Also I was told that the check was held by the bank and not presented till XXXX/XXXX/16. Please tell me what type of legal action can be taken? 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
I had a debt of {$830.00} owed to XXXX XXXX XXXX. On XX/XX/2016 I made a payment of XXXX over the phone to a man named XXXX. It cleared my account. ( # XXXX Seq. # XXXX ) with my debt card. I received a bill for the balance in XXXX and sent a check for the balance of XXXX well be fore the end of the month. I noticed credit monitoring activity. It showed that The affiliated group have a Collection against me for the whole amount of {$830.00}. I have noticed that the XXXX check has not yet been cashed and XXXX will not tell me if they received it. I want to pay the XXXX to whomever but want to be sure that I do not have to pay the Collection agency the amount I paid XXXX on XX/XX/2016. I have a bank statement showing I Paid them over the phone the XX/XX/XXXX {$270.00} of the {$830.00} debt. I want this off my credit report a.s.a.p.
Barclays Bank of DE sent me a letter on XX/XX/XXXX, informing me that they have reduced my credit limit. There reasoning was high utilization rate on revolving credit. <P/>There decision is in beach of our contractual agreement and they have acted in " bad faith. '' First - anyone in the industry of financial services ( and I am ) knows that Barclays is in financial trouble and its regulator is bearing down on them. <P/>Second - I have a XXXX FICO and my household income is in excess of {$250000.00} a year. I certainly can service my total debt amount. <P/>Third - as a result of Barclays action my FICO has been negatively impacted. <P/>Barclays is the one in financial trouble - not me. The company should not make their problem mine. <P/>I seek a reinstatement of my credit limit of {$11000.00}, else I will seek other legal and financial remedies. <P/>XXXX XXXX
The issue with Auto Trakk is the company took my car last year when I only had a balance of {$1000.00}. A few months before they took my vehicle, I sent Auto Trakk an affidavit asking for certified copies of all contracts, all invoices and payment transactions as well as all assignment contracts. About a month later I received a very unprofessional uncertified XXXX  spread sheet. Then a few more months later they took my vehicle. I only owed {$1000.00}. After paying nearly {$20000.00}. I recently contact Auto Trakk and asked them if they sold my vehicle they said yes they did. I was told they sold my vehicle for {$1000.00}. I know this is a lie. The vehicle is was worth at least {$4000.00}. I asked them to send me a certified document of all transactions from selling my vehicle including the final sell price. I was told I would receive it in 7 days. I waited that time and never received anything. So I called Auto Trakk and was put on hold for 62 mins.. I hung up and called the next day and every day since, no one pick up the phone. They have my phone number and do not answer when I call.
I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements around XXXX XXXX and had n't seen my points post yet. I chatted with a Citibank rep on the phone when I first opened the account, ( as they needed to verify my address with certain documents ) and they confirmed that I would see the miles posting as long as I completed the requirements. Later when when I followed up with Citibank through XXXX, telephone and email, they mentioned that I was ineligible for the promotion despite previously confirming that I was qualified. I attached the mailer that was I received through email regarding the promotion.
Navient is the lender for several of my loans. My original loans were never properly credited. I was always told about deferment or forebearance when I was employed in XXXX working for the XXXX in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I would have been beyond eligible programs for repayments of {$0.00} because my salary was {$XXXX} hr for family of XXXX. When I finally got introduced tip repayment program and how it would work for me I got a {$0.00} payment but reapply every yr was a process. Either my forms werent received so ended up with missed payments. Offered deferment until I sent them in again. Once I was denied for missing spouse information, when Ive never been married. Once denied for only sending 4 weeks income verification. Never understanding those deferments changed my status with company but no correction to credit agencies. This still hinders a person from employment opportunies. I wanted a lot from obtaining my degrees, sadly the market still only affords me a salary under $ XXXX a year. Once I was laid off and used 401k money so it made my payments go up but because I received numerous communications it can be confusing to a genius. The combination of compounding interest, complex communications and settling for deferments is a recipe for never ending debt. Customer service reps seem to ask u about deferment as those its not a solicitation but of course every one will accept it because they cant jeopardize a bad repayment history. I failed to mention I worked on XXXX for 3 years. When I was laid off for 5 months in XX/XX/XXXX I refused to call the lender for fear by credit for my {$0.00} repayment would result to me being put back on forbearance which doesnt help me with payment credit to satisfy the loan just make it were I dont have a payment.
In  XXXX   XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through  XXXX  on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about  XXXX  of  XXXX  I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
I have been struggling to pay my private student loans, so I contacted my student loan servicer, ACS, to ask them to lower my monthly payments. I was told that I do not have any repayment options available to me, and that there is nothing ACS can do to help me. The ACS representative told me that XXXX XXXX ( the loan owner? ) may work with me regarding repayment once I fell behind. I kept stressing to the ACS representative that I DO NOT want to default on my loans, and that I just need to lower my monthly payments until I can get back on my feet. I was offered nothing. I spoke with another representative a few weeks later, who told me the same thing, that I have no options. I requested my complete payment and service history. Approximately a month later I contacted my state 's Attorney Generals ' ( AG ) office to file a complaint regarding my student loans. The AG 's office contacted ACS, who ( I believe ) referred her to a XXXX XXXX XXXX, XXXX, Loan Servicing Oversight, XXXX (? ). The AG representative requested my original signed promissory notes and complete payment and service history. XXXX XXXX assured her that I would receive those documents, but to date, I have not. I have, however, continued to receive regular monthly student loan bills. I contacted my state Congressman and Senator, but was told they only have jurisdiction over federal agencies, and therefore can not help me in any way. I am not able to continue paying my monthly private student loan bills, and I really some help - fast! Thank you.
The collection agency added to collections to my credit report on XX/XX/XXXX. I file bankruptcy XX/XX/XXXX and everything was cleared. All items were removed from my credit reports and I have been one monitoring them and this company has never appeared and is now adding as new items
I changed the Account/DDA to withdraw funds and contribute towards my IRA. I informed the Huntington  XXXX   XXXX  of the new account number and routing number, this was completed on  XXXX   XXXX    XXXX   by faxing an updated form to them. I informed them the amount will stay the same, the only thing changing is the account. On  XXXX   XXXX ,  XXXX  Huntington withdrew the money from an old account and claimed since they were not informed of the amount they did not update the withdraw information. On  XXXX   XXXX ,   XXXX   I sent over the same form to have the account updated. I spoke with my personal banker and was informed this is now set up correctly.   Huntington sent me a letter stating they were unable to transfer funds, however this is due to their error of not withdrawing from the correct account.
I am getting ready to retain an attorney so that I can take legal action against Discover Financial Services. Dealing with this company has been nothing short of a nightmare, but I 'm going to give them XXXX final chance to resolve this matter to my satisfaction. That is what I 'm hoping to accomplish with the help of the Consumer Financial Protection Bureau. If Discover Financial Services is still unwilling to help me, I will contact my legal counsel to file the lawsuit. 

In XXXX, Discover Financial Services became aware that I was disputing the account ending in XXXX. However, they did not notify the credit bureaus until XXXX of XXXX. The Fair Debt Collection Practices Act, specifically FDCPA 807 ( 8 ), mandates that banks, credit card companies, and collection agencies have 30 days to contact the credit bureaus when they become aware negative information is being disputed. This makes Discover Financial Services liable to me for damages of up to {$1000.00}. 

I have detailed records, including USPS receipts, showing that Discover Financial Services missed the 30 day deadline. On top of that, before I paid off the account, they sent it to an unscrupulous collection agency. This collection agency illegally revealed my debt to multiple third parties in recorded messages. These are very serious violations, and unfortunately for Discover, I still have those recordings. I will therefore be seeking an additional {$5000.00} in punitive damages.
On XXXX XXXX 2018 I called Olympic Collection and it is not my account.
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. 
ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. 

After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. 

I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. 

So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. 

I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. 

Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please HELP!!!