WillisBack/dataset-financial-user-claim huggingface dataset:
My card was canceled by American Express the same day a payment was made which was XXXX XXXX. American Express sends a letter dated XX/XX/XXXX stating they checked my credit on XX/XX/XXXX. XXXX they stated my account was under review on XX/XX/XXXX and this is why the account was terminated. Now it was because of a Fico Score " among other reasons dated from XX/XX/XXXX ''. So if this was the case the card should have been canceled XX/XX/XXXX. The stories keep changing with this company. The account was canceled according to American Express for a number of reasons. I had an American Express Everyday Card. My card was approved on XX/XX/XXXX. My payment due date was the XXXX of every month. This company does not honor agreements or contracts yet they expect customers to honor the same agreement. Keeping in mind I did not go over my limit or violate any provisions with American Express. The XXXX reached out to American Express regarding my account and they have ignored the XXXX and refused to respond. 
I have repeatedly called and requested a letter in writing stating the final amount on the account at the time of cancellation. I have been asking for this letter for three weeks and still I have not gotten this letter. They made promises to change my billing date and they failed to do that as well. 
Finally according to the customer agreement my account could be canceled if I gave false information, was in default, went over my credit line, unwilling to pay, if I violated provisions, or become incapacitated. At best I was lied to so many times by American Express. I am requesting the billing date to be changed to the XXXX of the month. I am requesting a letter in writing regarding the change of the billing date and the current balance on the account. I spoke to XXXX out of the Florida Office on XX/XX/XXXX who stated the letter " was in the mail ''. I received no letter to date. The total amount owed the date of cancellation on the account was {$2000.00} this was XX/XX/XXXX. 
Total dissatisfaction is what I feel for this company and how I was treated. At this point all I need is the billing payment date to be changed and this information mailed to me.
Receivables Management has placed a collection on my report in the amount of {$440.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Receivables Management. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX/XXXX ... .National Credit Cards/Airlines 4.XXXX XXXX .... 
inquiry date : XXXX inquiry date : XXXX 2.XXXX/XXXX .... 5. XXXX XXXX .... 
inquiry date : XX/XX/XXXX inquiry date : XXXX 3.XXXX .... 6.  XXXX XXXX ... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
On XX/XX/2018 I filed a dispute with Netspend in the amount of XXXX. I accidentally paid XXXX more than what I wanted to pay. Called merchant they didnt do anything. Called Netspend talked to them. Was told to file a dispute so I did. They emailed something to fill out. I told them I have no printer or any way printing anything out. They never sent me anything in the mail. They will not credit my account. Told me I have to wait until they update me on the XX/XX/XXXX.
I received a notice from this company that says I owe them XXXX. I do n't know who they are or why they assume that I owe them. The notice states that whatever this is they reported to the credit bureau. The name of the debt collector is : Credit Collection Services out of XXXX, MA. The Company they are collecting for is : XXXX XXXX XXXX Co. I want some specific details on the who, what, where, when, and how. I have health insurance through my employer and auto insurance through a Company in the mid-west. I 'm going to file a complaint with the Department of Insurance as well.
OCWEN LOAN SERVICING , LLC continues to use the United States Postal Service to mail fraudulent statements to me on a monthly basis, claiming I owe them over {$500000.00}. I never contracted with OCWEN LOAN SERVICING , LLC . They continue to telephone on a weekly basis demanding unsubstantiated amounts, usually in the range XXXX of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
We set up auto pay for Bank of America Alaska Mileage Plan and we set it up to pay on the XXXX of each month it is not due until the XXXX, we gave enough time for the bank to get the money, YET EVERY MONTH THEY CHARGE US {$38.00} in talking to other Alaskans who have been duped into getting the Alaskan Mileage accounts, they all suffer too. We never can use the alleged 30 % coupons because when you do, its 4 times higher to try to use the coupon. Third, the " companion fare '' is a joke, if you don't log in and attempt to book a ticket it is around {$220.00} but when you attempt to use the " companion fare '' it is 3 to 4 times higher. no kidding! How is this type of practice legal? Please help me at least reverse these {$38.00} charges, see attached auto payment proof that we set it up for many days before it is due, besides why would a company charge {$38.00} if someone is a day late? what is the postal service is delaying someone's mail, is that yet another excuse for bank of america to gauge the general public for {$38.00}? How does a consumer protect themselves against this type of fraud and robbery.
On XXXX XXXX.I reached out to XXXX about a collection that is a joined account that my husband and I owe money on and have been paying monthly since XXXX for breaking a lease in XXXX. I called the office, which seem like only one person work 's their XXXX XXXX .I asked for records of our monthly payments, or a letter with a letter head with any information about our bill/ collection. I was told that, she doesn't have to give me any thing pertain our account with this company. I asked to speak with a supervisor, she then in returned told me NO! I don't understand that if this is a debt collection company, why don't we have or cant have any thing in writing! I found this very odd and never heard of. I am starting to believe that we don't owe as much is being told to me over the phone, which she would only do, but we have been paying this company for over a year now. Every time I call she is the only person who pick up. I cant talk to no one over her head or get a hold of any one else who seem to help. This person or company or I just don't know anymore want give us any information about out debt or our payment history or any thing form this company at all. She is very nasty and wont let you get a word in. If we owe this much fine show us something .she wont send us anything at all, no email or letters .We are starting to believe that the original company sold our account, and this company wants more money the own and wont show us anything in writing because they are scamming us out of more money. We never thought anything about it until I called and asked for something in writing and then she told us all of this unbelievable stuff
CMRE Finance Services is in collusion with XXXX XXXX XXXX XXXX to extort money from me for a bill that was already paid by my husband 's insurance. 

XXXX XXXX was billed for the XXXX {$1100.00} ( XXXX XXXX XXXX XXXX ) and for the physician, {$1800.00}, ( XXXX XXXX XXXX ). XXXX XXXX then sent us a bill directly for the {$1100.00}. I told them our insurance had paid XXXX XXXX XXXX. Rather than check the facts they sent it to CMRE for collection. I told CMRE the bill was paid and sent them a copy of the insurance statement Rather than check the facts they filed a collection on my XXXX credit report. I sent a letter to XXXX to investigate. They took the word of CMRE Financal. 

I have sent letters to CMRE and have spoken to them on numerous occasions and have spoken to a manager named XXXX. Their story kept changing. First they said the {$1100.00} was not for XXXX XXXX XXXX that it was for the doctor. I questioned this since it was highly unlikely that the XXXX and the doctor would charge the exact same amount. They then said the doctor 's original bill was for {$1800.00} and that the {$1100.00} was the settlement amount. I told them the doctor had billed directly the {$1800.00} and was paid. How did they know what the original doctor bill amount unless they were working with XXXX XXXX? I sent them the XXXX XXXX statement showing them this. They said they would look into it. Since then they have not returned my calls and my credit report shows the collection.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
For the past two weeks I have been trying to work with XXXX XXXX to acquire a mortgage. We originally went to George Mason Mortgage to get a XXXX to XXXX loan. We ran into difficulties because of not being able to verify my wife income. So we reduced the amount of the loan and decide that only myself would apply for the loan. XXXX does not like the much lower amount of XXXX. Since that time he has refused to help any longer. He says even though my wife and I have separate credit account and debts that because I am married to her I must claim all of her debt. He also has told me that I can not claim my two years of XXXX income but I have to claim the business debt. I have successfully completed the HomePath Ready Buyer  which is an associated compensating factor which allows for 50 % DTI when using XXXX XXXX XXXX loan. XXXX has said there is not such program. I have asked XXXX to correct his income calculation because as guided by XXXX XXXX rules automobile depreciation claimed on Schedule C needs to be added back into the cash flow calculation. He said there is not such rule. XXXX is also basing his decision on a flawed credit report and has implied that I am lying about the errors. I have asked for a rescore but he has refused. I am also a person with XXXX so I ask for a simple accommodation of meeting in-person to review the documents and to work on the issues, and they refuse to provide me with this simple accomodation.
In XX/XX/2011, I developed a XXXX and found myself in numerous emergency rooms. In every case, I asked if I would be held responsible any costs of treatment, that they had other programs available that would take care of any cost for my visit. I was told that the main importance was that I receive the proper medical care for my XXXX. I just discovered that this Emergency hospital visit has been deferred to a collection agency.
I made a transaction on XX/XX/XXXX through XXXX to send money Of {$50.00} to my nephew. I did it wrong transaction of {$50.00} and we call XXXX and they refund me the money. Then I did it the transaction again of the {$50.00} right way. Chase charge me 2 times the same transaction on XX/XX/XXXX. Now I do not get monthly statement so I did not know they did this to my account. Yes i go online but it just to pay my bills online and get offline. I don't do research on my bank account because I trusted Chase. I went online XX/XX/XXXX because I had to find a payment I made, I noticed the double charge of XX/XX/XXXX. I call and they gave me a one Reversal Claim/XXXX  on that date XX/XX/XXXX. I look on XX/XX/XXXX and noticed they did a took back the Claim Reversal on XX/XX/XXXX that they gave on XX/XX/XXXX. I call Chase and they claim that it was over the 60 day period so they deny my claim. They even claim to have sent me a letter sometime in the middle of XX/XX/XXXX. I never got the letter. Now first of all I never knew they was a 60 day claim policy. Like I said I had trusted them with my money till now.
Eaton Group had contacted me back in 2002. I was a victim of identity theft following a house fire and i disputed the debt, provided paperwork to them and requested verification of debt. This company falsely claimed service, obtained a judgement, leaned my house and are garnishing my wages all on an account I have ZERO knowledge of and disputed from first contact. They ignored requests for normal standard credit debt information and sat for XXXX years before garnishing my wages. THIS SHOULKD BE ILLEGLE XXXX ...
Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my accounts.
In XXXX of this year ( 2017 ) my husband apply to Refinance our mortgage through XXXX ; XXXX XXXX XXXX XXXX. We gave all pertinent information and were given an initial rate. The rate lock has so many days to finalize all paperwork, or we would have to request another rate lock extension. We have and XXXX have requested a subordination agreement requirements from XXXX. XXXX has not made any effort to release the requested information. I have spoken with 5-10 different individuals without any one being able to verbalize the request. I have been unable to speak with the same person on any conversations I have spoken with XXXX. When I finally was assured this was going to be taken care of the processor from XXXX was made to submit the identical information so many times that my husband and I will have to start paying points for any further rate extensions. I have sent information by fax to then be asked for information that only XXXX can give. I have sent all documentation requested over and over again to XXXX as they are being asked by XXXX for the same information. But when the processor submits what they requested to comply, they are being told that the paperwork is incorrect. I have given the processor on 3 occasions permission to speak directly with XXXX to finalize all necessary paperwork to no avail.
OCWEN Loan Servicing took over my loan in XXXX 2013. They are claiming we are 2 months behind on our payments. I have documentation of XXXX cashed checks representing the XXXX months we have been serviced by OCWEN. They have not applied our payments correctly.
I HAVE A PRIVATE STUDENT LOAN AND I AM HAVING A VERY HARD TIME TRYING TO REPAY IT I HAVE NO JOB MY BOY FRIEND ARE AGREEING TO PAY IT BUT HE,S TRYING TO GET THEM TO LET ME STAR PAY IN XX/XX/XXXX THE SGREED AMOUNT  OF XXXX BUT THEY TOLD ME I HAVE TO BE AT A DEPOSITION ON XX/XX/XXXX IN XXXX GA BUT I CAN,T GET THEIR AND I DO NOT HAVE MONEY FOR A LAWYER AT THIS TIME .THEY WANT ME TO COME UP WITH A XXXX DOLLARS THAT I DON,T HAVE TRYING TO GET XXXX  I AM RAISING MY TO GRAND KIDS AND I NEEDS A BALANCE ON MY LOAN I THINK THE BALANCE ARE WRONG AND THEY WILL NOT GIVE ME A BALANC WHEN I KEEP ASKING FOR ONE I PAID A XXXX ON IT BUT THEY WANT GIVE ME MY BALANCE I THINK THE BALANCE ARE WRONG AND WANT TO KNOW CAN IT BE DECREASED
I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.
I have sent letter to Experian to verify account they have listed on my report. It takes too long to see the result.
I received a call at work by a debt collection agency, the person did not identify themselves. They launched right in to saying that I owed this debt and I needed to pay and if I did n't they could garnish my wages and would file a judgement against me. This is the XXXX time they called and I have previously told them I can not take personal calls at work. They claim to be collecting a debt by XXXX XXXX and he gave me an ID # and phone number to call back. He also stated that he had my social security number and bank account number and my work number was the only number they had to contact me at. Well if they have that much information my work number is not the only way they can contact me. I know my rights and I know they are violating the FDCPA. The person on the phone did n't even identify themselves by name or company, they just expected me to pay or were going to file a judgement and garnish my wages. I called the number he gave me after hours and the name of the company according to the automated system was Premier Recovery Group.
XXXX is reporting XXXX inquiries on my Equifax credit report all the while these inquiries are not tied to any account showing up on any of my credit reports. I have contacted XXXX via certified mail to no avail. Please have XXXX remove these credit inquiries.
Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.
Recently, I noticed that  Capio Partners repo rted  XXXX  medical debts on my   XXXX    credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners  to delete these accounts from my credit report, but they refuse.
On XX/XX/18, I received a notice that a collection was put onto my XXXX   Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with Unsia, Inc. I did not receive notification that my account was in collections or was owed to anyone other than Unsia, Inc. I called Unsia, Inc and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.
In XXXX, Scottrade admitted that almost XXXX XXXX customers has their personal information exposed to hackers in XXXX and XXXX. I was XXXX of the victims who had their personal information exposed and let me tell you, despite what Scottrade says about the breach only including " address information '' the breach exposed at least the following : 1. ) my password, which was poorly encrypted. 
2. ) my SSN, which was stored in plain text. 
3. ) my bank up questions. 
4. ) et al. 
The information accessed lead to a particularly bad instance of fraud which is still being investigated by policy today. In XXXX, a number of Scottrade accounts was hacked with over a XXXX dollars in fraudulent trades being conducted. Scottrade denies thus, but I was XXXX of the victims. 

I am writing this complaint with the CFPB to set the record straight, Scottrade knows that the hack compromised individual account and the monies within the accounts yet it claims that user are at no risk. 

Please do us all if favor, if you are an account holder, close you account before it is too late, if you do get hacked, Scottrade will make up a story and blame you for it.
XX/XX/XXXXI contacted XXXX XXXX XXXX concerning six accounts reported to the credit agencies without being submitted for remaining payment to secondary insurance. It is the responsibility of the provider to seek payment due from the insurance companies listed on file. They only reported to my PPO coverage with XXXX XXXX and was advised denied for no referral on file. The billing department at that time is supposed to reach out to obtain proper documentation to have claims Re filed and paid. Instead they never tried to get paid they immediately decided the balance owed is mine without submitting to other insurance on file. XX/XX/XXXX I contacted XXXX XXXX XXXX and my pcp at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The claims are being resent for processing and the XXXX XXXX Representative contacted all parties and advised will take two weeks to process and another 30 days for claims to reprocess and then secondary insurance will need to be notified of remaining balance owed to be paid by secondary insurance then if a balance is left I will be responsible for that balance. Since this is going on XXXX XXXX XXXX still have all accounts listed in collections knowing they have to wait for all claims except two to be processed. Two claims will be sent to secondary insurance XXXX XXXX assured for payment. Which at that time they are not allowed to bill a balance due to XXXX and XXXX regulations they are under a fee schedule. This should be removed from my credit until all processing of all accounts are complete.
My late husband had a credit card with XXXX XXXX XXXX and when he passed away I called them and what they did was turn the account over to me. I have never signed any papers saying I was on this account. When I would try to get infomation for my husband he always had to come to the phone and give me the ok to ask them questions that my husband had about his account. I asked XXXX XXXX XXXX to show me where I had signed any papers and they told me it was too long ago and they didnt have any records. They are runing my credit and I feel this should be taken off my credit reports. Thanks XXXX XXXX XXXXXXXXXXXX
XXXX XXXX XXXX has drafted {$2600.00} of payments above my minimum mortgage payment amount. I have asked they return the money immediately, but they have yet to return any money. My last correspondence with them was XX/XX/2018, yet no reimbursement has been made.
For months, I have tried to plead my case with Transunion that I have inquiries on my credit report that I did n't authorize. Customer Service representatives refuse to help me and remove the negative inquiries reflecting on my credit report. I am a victim of the XXXX breach therefore, my personal information has been compromised. My credit is very important to me and the fact the Transunion is not willing to remove these inquiries and denying my right to dispute is negatively affecting my credit. I am constantly being told to contact the credit agency even after I let the Transunion representative know that I have done so and have been redirected to Transunion to remove these inquiries. Being a consumer this is very frustrating as I have made multiple disputes to the XXXX and CFPB. I have called numerous times as well and Transunion refuses to resolve this issue. The last representative I spoke with told me that I needed to wait 2 years for the inquiries to just fall off which is not an option for me. The inquiries that need to be removed are the following : XXXX XXXX XXXX/XXXX/XXXX ), XXXX 's TX ( XXXX/XXXX/XXXX ), XXXX B ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXXXXXX ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ), and XXXX ( XXXX/XXXX/XXXX ). My next step would be to file a complaint with the XXXX and once again with the XXXX.I do n't need these items disputed, they should be removed and an updated copy reflecting those removals should be sent to my current mailing address.