WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/2018, I have been getting late fees added to my AMEX corporate account. This is a card that my company pays in full every month. Unfortunately, AMEX can not substantiate why or where the fees originated. According to them, I owe over {$420.00} in fees, but they can not tell why. 
Every month they add {$39.00} to my billing statement now adding up to {$270.00} from a {$78.00} so called debit charge that they nor I can explain. 
I called again last night XX/XX/18 at XXXX and neither XXXX or her manager XXXX were able to provide me any guidance on what's going on. Including, XXXX had me on hold for more than 30 minutes saying that they could not retrieve my statements due to a slow internet connection. Moreover, I then requested a call back to review my statements and never received one. 
They know I have excellent credit, therefore, they do not waive those fees because they I dont want to ruin my credit. They are taking advantage of my situation even though they can not explain why or when these charges were initiated.
In XX/XX/2018, I moved. I cancelled XXXX service at my old apartment on XX/XX/18 and then went into their office on XX/XX/18 to set up service at my new address since when I spoke to someone on XX/XX/XXXX, they said they were not able to simply transfer services between locations. While I was there, the agent offered to take payment for my final bill of {$60.00} at the old address, which I provided ( I still have the receipt from XX/XX/XXXX and my bank shows the payment went through on the next business day, Monday XX/XX/XXXX. ) XXXX has continued to email, mail, and call me about this final bill saying it is unpaid and has now turned it over to a collections agency, Eastern Accounts. The woman there was helpful when we spoke today and took a copy of my receipt to send to XXXX since the last payment the records they sent her reflect was from XX/XX/18 for {$110.00}. So far this week alone ( the week of XX/XX/18 ) I have received a piece of mail, an email, and a phone call about this.
No mail has been received, however multiple phone calls have been received by modern adjustment Bureau after I revoked my consent to be contacted, which under the fair debt collection practices act is a violation and can come with up to a {$1000.00} statutory damages award. If need be I will provide call recordings and transcripts. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
On Tuesday, XX/XX/2018 I received by postal mail a " final notification '' in an " attempt to clear a balance '' from " XXXX XXXX, '' XXXX, Florida on behalf of " XXXX XXXX XXXX XXXX '' suggesting that I pay them {>= $1,000,000}!!! This is clearly an attempt to initiate contact with the intent to defraud.
This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.
The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX ( account reported duplicate )
Repeated phone calls after I have asked them to make a note I will call at the end of the month to resolve the account and bring it current. Calls are every few minutes ALL DAY LONG.
I applied online and was approved for a { {$1000.00} } loan from Big Picture Loans formerly known as XXXX on XX/XX/XXXX. At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of { {$350.00} } to be included to the amount borrowed and had no problem paying what I believed was a one-time fee. I realize now I have been scammed, and in fear of losing thousands of dollars to these people. I was never disclosed at the time of accepting the loan that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. They have been bleeding my banking account for month 's to a total of {$1700.00} at a rate of { {$700.00} } per month and are stating that I still owe then {$1700.00} satisfy this original { {$1000.00} } loan. { {$8000.00} } for a { {$1000.00} } loan, @ XXXX % Really!! These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. I called them today XX/XX/XXXX and told them I wanted to pay off the remaining {$1700.00} and I am really upset and want these people shut down because for a {$1000.00} loan I had to pay {$3000.00} in XXXX months of interest which is highway robbery!
I can not create an account to pay my mortgage I had an account, and suddenly I could not access the account I have called multiple times between XX/XX/XXXX and XX/XX/XXXX. 
I was told multiple times by the company that the issue was resolved and it is not Their website will not allow me to create an account to pay my mortgage and I do not believe the company is being honest I have been told many times I would be contacted within 48 hours, and not a single time did this occur, I have had to take the initiative to call back every single time I have been told trouble tickets have been submitted, only later to be told by another Representative there is not trouble ticket I have all of these conversations recorded and dated I am attaching the error I always receive after going through the process of creating an account Also, a lower priority, but their website has many issues. 
For example. and you can look at XXXX XXXX XXXXXXXX, you have to perform the captcha 4 to 10 times for it to work correctly This website prevents people from getting information on their loans and paying them by not working correctly
* Over the course of a year, Wells Fargo had been accepting Interest Only payments as I negotiated with them during efforts to reorganize personal finances.
* Wells accepted the I/O payments every month until recently they demanded back-dated principal, without notice, and threatened foreclosure if not paid immediately. * The above statement is contradicted by their acceptance and advising to make I/O payments, whilst also being cycled through their Home Preservation program qualifications.
* I now qualify for their Home Preservation program which would ensure no derogatory outcomes, and have been willing and able to continue paying on same terms. But then they do n't respond to me after providing me with the qualifying conditions, which I meet. * I have made great efforts to find resolution but always met with misleading, ambiguous, and inconclusive responses from multiple departments within Wells Fargo. * They are violating the terms of agreement and although I have demonstrated willingness, and qualifying factors for resolution via Home Preservation Program, they are denying me any clear response and verbally aggressive with foreclosure " intent '' when I speak with them. But then get different responses from other divisions that contradict their aggressive foreclosure threats.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. Portfolio Recovery have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Portfolio Recovery, never signed a contract, nor do I owe them any money.
I was provided a marketing brochure from Citibank stating that I can earn a {$400.00} cash bonus with a new account and qualifying deposit. It says open to see the details. On the inside of the brochure, if states you can earn a {$400.00} cash bonus if I open a consumer checking account by XXXX/XXXX/2016 and deposit {$15000.00} or more within 30 days of opening the account and maintain a minimum balance of {$15000.00} for another 30 days, I will collect the bonus of {$400.00}. 
I just went to the Citibank branch and they informed me that I have to leave my money in the account, not for 60 days, but for 90 days. That is not what the brochure stated. In my opinion, this is marketing deception and unlawful.
This agency is reporting an error on my credit file. I had medical coverage and met my deductible. This medical bill was paid by my insurance. I disputed this erroneous account with them on XXXX XXXX, 2015 and never received a response. I attempted to contact them again in XX/XX/XXXX and, again, received no response. After doing some research I discovered that ARS is not bonded to collect in the state of Texas. The account was actually deleted from XXXX but when I viewed my credit report recently and it has been reported on there again. Is that is even legal?
Unwanted calls from this company numerous times. Company calls from different phone numbers throughout the day by using local phone numbers. Company calls close relatives numerous times when asked not to or to be removed from call list.
To Whom this May Concern I was told that in XX/XX/XXXX, they will be selling my loan. So I feel that 's why they do not wish to settle it : listed below is my most recent correspondence with regards to my student loan the only information I have is : '' '' XXXXXXXXXXXX attn-XXXX '' '' XX/XX/XXXX Please note that since XX/XX/XXXX, I have been trying to resolve this student loan matter. My loan has been sold and resold over and over again and every time I make contact with the new loan company, I am given a new story. I do not understand why I need to explain a hardship to you in order to get a payoff figure. 

Most company 's want to get paid and yet you seem to want to keep my account open on the books. I have not been able to get anyone to given me a written explanation or a payoff amount and yet when I call you will talk to me all day. I hope all of the phone conversations are recorded and kept because if I can not get a payoff figure I am requesting that all of the phone conversations be produced to show that I have been making an attempt to resolve this matter and that you have been holding on to it and costing me more time and money. 

Please note that I am also contacting all of the local and state agencies to investigate this matter. Below I am writing to you once again with the information you requested from me via phone conversation ; " I XXXX XXXX XXXX, XXXX, address is XXXX XXXX XXXX XXXX XXXX CT XXXX, email address is XXXXXXXXXXXX I was also suppose to give you an explanation and " hardship '' for wanting to pay off my student loan. I still do not understand why wanting to settle my student loan requires a hardship explanation. 

As stated in my last email I wanted to settle my student loan account for {$4000.00} in full by credit card. I am still waiting for an answer and I would like it to be in writing. I have been making contact by email and phone and I have not received any responses. The last phone call I made I was told that I needed a reason to settle my student loan over the phone not in writing. I have a couple of years before I retire and I would like to start preparing for my new journey in life without having a student loan hanging over my head from roughly 30 years ago. It 'd obvious that senior adults are not treated with much regards or respect today. I feel like I am being discriminated against because of my age but we will address that after I resolve my student loan matter. 

I look forward to hearing from you to resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXXXXXX
I have both checking accounts and a credit card with USAA. My USAA credit card was declined on or about XXXX XXXX due to a fraud alert placed by USAA. I called to have the fraud alert removed. The following day I again attempted to make purchases on my credit card and it was declined for a fraud alert. USAA had failed to remove the fraud alert even though I had wasted my time on the phone with them to remove the alert. The payment processor, XXXX after multiple failed attempts defaulted to my checking account.I would like to reiterate this as it seems to have been lost on everyone at USAA, the direct causation of XXXX attempting to withdraw from my checking account is due to the failed credit card transactions due to a fraud alert they placed and failed to remove when called. 
I have filed multiple complaints with USAA and spoken to them numerous times and they have not refunded the NSF fees. This is horrible customer service and fraudulent as the fees were caused by their actions.
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Made a {$19.00} fuel purchase at a XXXX. A hold came on the account for {$150.00}. 

Called XXXX cooperate they had already completed the transaction. 

Called my bank, they said merchant has to release the funds. 

Conference merchant in with Account Manager for Amex. 

Stated could n't and would n't release the hold cause they do n't know if the merchant took the funds. ( Merchant offered to fax over confirmation ) Amex refused. HOLD still remains. 

I have {$0.00} as a current total balance. They have my money.
XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I opened a Orchard Bank credit card in  XXXX  ( which later got sold to  Capital One  ). When I opened the card I opted for loss of income, illness etc account protection in which would pay your monthly payment up to 6 months if something happened. I had a medical issue come up in  XXXX    XXXX   in which I was unable to work. I submitted the claim and Orchard Bank did not honor the claim instead continued to report my payments late. Even though this account protection was  STILL  on my account and I had paid for it since opening my account years earlier. I was unsuccessful in getting this applied towards my payments during my medical condition and being unable to work.
Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX
XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Over the past month every day during the week and on the weekends. I receive a phone call from XXXX from XXXX XXXX. She has called my job at least 3 times and two times after the first time I told her not to via a voicemail. She keeps trying to pressure me into a cost in which I told her at this time i can't have phone conversations with you either i'm at work or I need to legitimately need to look to see if I can afford the cost by looking at my incoming and outgoing expenses. However, she calls every day not even allowing a chance of reprieve. Calling my job was really the last straw as I told her I can have issues at work, if she continues with her calling my job.They never even say the company in which I owe they just state their collection agency moreover, they give an added cost to the loan ( payday ) They include at least XXXX dollars more than what I actually owed. This started Second week in XX/XX/2018 and is still occurring at this time. I stated to her the reasons I couldn't afford to keep paying the loan company was because I couldn't afford the ridiculous interest rate and asked them if they could reduce and they wouldn't. I do have intentions of paying the company that I loaned this money from however, I do not have intentions of paying a debtor who may or may not have acquired my debt. Due to my husband loosing his job and me trying to care for a family of XXXX it has not been financially feasible.