WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing with the CFPB to preserve a written record per my attorney 's advice. 

On XXXX XXXX, XXXX, I called American Express concerning Fraud charges and payments on my American Express card. Asked for my credit card account to be blocked due to fraud. The call was taking long and I had to get to the hospital for a personal issue. I informed the representative I would call back later that day ( XXXX ) to complete the fraud claim. 
I attempted to call later that day several times. Holds were over 5 minutes. Maybe I am impatient, but I will not hold longer than 5 minutes. 
I went online and used American Expresses CHAT. This took over an hour including losing the connection or being disconnected at least 3 times and each time I would have to re-summarize the events. I informed American Express all charges and payments from XXXX through XXXX XXXX are unauthorized with the exception of a couple auto payments to : 1. XXXX XXXX for {$140.00} and XXXX for {$150.00}. XXXX and 2. XXXX XXXX XXXX for # XXXX and XXXX for {$47.00} were fraud. Every other transaction for those days are fraud. I also informed American Express I did not have the card and it could have been taken or lost and then found by someone anytime between XXXX and XXXX. 

I am most concerned with 2 things : 1. Why American Express 's security system did not identify fraud and alert me. I rarely make online payments, except in an emergency all my payments are by USPS mail. And I have never made payments on consecutive days. This should have set off an ALERT! 

2. The payment on XXXX for {$2300.00}, that was actually deducted from my checking account. My wife and I are retired, she has serious medical issues that require expensive XXXX and I have recently been diagnosed with XXXX. ( not sure how much my medical expenses will be. Our medical insurance typically enters the '' doughnut '' phase forcing me to pay thousands for life saving XXXX. 

When I informed the Chat representative he/she wanted me to call for a payment reversal. I tried the XXXX number but Again, i will not wait on holds for extended time and I prefer all correspondence in writing. 

My fraud claim is already in, but considering the {$2300.00} currently taken out of my checking account I want to make sure the request for a payment reversal on that specific transaction is clear and documented. I did not make the payment on XXXX XXXX, XXXX for {$2300.00} and I did not authorize anyone else to do so. I am asking American Express to Please do a payment reversal and provide me with results of the investigation that would help me understand how my checking account was accessed.
I received a call yesterday XX/XX/XXXX from a number I 've never seen. I initially did not answer it. I then received a call from my brother who indicated a man called him asking where I was and said his name was XXXX XXXX. My brother did not provide the man with any information, I do not live with my brother, he has never consigned a loan for me or been on as a referral.I called the number back and heard the initial voice message indicated that I was calling AMC XXXX XXXX and then a man by the name of XXXX XXXX answered, I asked him who he was and did not identify myself. He then said he knew I was XXXX XXXX, he found out all about me, my job, he knew where I lived and knew who I worked with. He then stated that he had a " unique '' way of dealing with situations. All the time never stating what he wanted, payment, what I owed, just intimidating me. Out of immediate fear I hung up the phone and I then contacted the XXXX police department, they sent police offficers to my home to interview me and file a complaint with this individual. They contacted the same number, spoke with both XXXX XXXX and XXXX XXXX and explained that they were not to contact me since the allegations were on the border of harassment and potentially criminal. The police officer, Officer XXXX, also asked ( at my request ) that they mail me any demands on their civil request. At which point XXXX XXXX stated they had. My complaint is against AMC XXXX, the phone number I was contacted by is XXXX. I want an investigation opened for violations of FDCPA.
i have a payment plan set up with these people. and the all me still every single day and threaten me and are very rude in the way that they speak to me. I know that I fell behide on the loan but I am doing the right thing to try and resolve it. I asked for a supervisor and she was just has unhelp and rude has the collector. I got XXXX and lost my job I am now on XXXX and trying my hardest to do the right thing. They told me the only way that I can pay them is over the phone and with a checking account or debit card and not other form of payment will. work.. and I set up a plan yet I get a call every day 2-3 times a day and I am over them calling me all the time.. I want the calls to stop and I want them to send me a bill. I would rather speak to my worst enemy then to these people who are so rude and disrespectful in the way the handle there calls. I worked in the collection field for over 15 years before I got sick and it sadden me to see how collector today are making the collection world out to be. I would never let a collector who was under me speak to a consumer they way that I was spoken to today.
AFNI # XXXX XXXX XXXX XXXX XXXX IL XXXX have a a unverified account from XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*
This is a different complaint about Portfolio Recovery because the previous one was closed .... Portfolio Recovery Associates is NOT LICENSED in the state of Florida. I have 2 collection accounts on my report from them that they will not remove. Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. Again, this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files. I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature.
On XXXX XXXX, I contact AR Resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding two charges they posted to XXXX, XXXX, and XXXX. I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ). Neither XXXX, or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX, but they are falsely indicating that the account open date is XX/XX/XXXX. Furthermore, my attorney XXXX XXXX, has informed me that XXXX has hired debt collectors to go after a number of his active clients and he has personally reached out to them and asked that they cease debt collections, as per the letter of protection.
I opened a checking account with CitiBank 1.5 years ago. They immediately started charging me {$30.00} fees every month. I was n't aware that the fees were being charged on my account because I could n't log in online. I called in multiple times complaining about it and they could n't figure out what was wrong. Each time I would ask to make sure there are n't any fees on my account and they told me there were n't ( they LIED ). 

After a year of this, they finally managed to fix my " online profile '' so that I could actually log in and see my account. I discovered {$300.00} in fees charged. I called in to their support center and they waived 4 out of 10 of them. I asked for the rest of them to get refunded and I 've been stuck in a game of phone tag for 2 months now. The phone center sends me to the branch, the branch sends me to the phone center. Additionally, the branch is only open for a few hours a day and on west-coast time ( I 'm in XXXX  ). I finally got the branch to refund an additional 3 fees but the money never showed up in my bank account. I called the phone center again and they have no notes of it ... 

Today I tried to shut down my account entirely but they told me that if I do that then I definitely wo n't get any of my money back.
Due to the Equifax data breach affecting 143 million people, my information was potentially stolen. I am taking the necessary steps to protect my self, however learning about the breach a month after it happened is alarming.
Sychrony Bank has bought 4 of my credit cards. They have systematically gone through and dropped my credit card balance on each making my card maxed out, which they were not. On most I did n't even have half the amount of my available balance charged. This lowered my credit score time and again. I have been going through and closing accounts to prevent this from happening further. Because they had negatively affected my score with all the balance drops it helped not hurt me.Usually that is a bad practice but when you have a 5k credit card they drop to 4k, then you pay {$1500.00} to make your balance half of your available balance and they drop it again to {$1400.00} to look like your maxing out your cards, closing them is the only way to keep the limit consistent.Unfortunately they have caused my score to drop over 100 points. As I have been rebuilding my credit they are now attacking my 2 last cards. They just charged me {$880.00} in interest charges in 1 month, which they increased my interest on that card and have now shown me {$400.00} over my credit limit although, I have n't made a purchase since XXXX 2016 and have never been late on a payment. This again has dropped my credit score by 40 points, limited my ability to get credit. I have proof of all of this. It is predatory in nature and I want to sue them for damages. I just reached out to a consumer protection agency and am contacting an attorney. It 's sad these bank do this, many times it people who are rebuilding or with fair to good credit as we are the easy targets. They continue these practices to jack up interest charges and get higher fees. It is also Why they purchase multiple cards. I had a long standing credit history with Old Navy, Lowes, TJX ( Marshalls/TJ Maxx ) and XXXX XXXX. The 1st 3 with no late payments and nearly 10 years history.
I tried this already and never solved. American Express discriminated me when I tried to apply again my score was XXXX based on the letter American Express sent me Dated XXXX XXXX, 2017. I 'm asking the CFPB for urgent legal assistant because I just received today the new credit score on my  file from XXXX as of today XXXX XXXX, 2017is XXXX fair. from XXXX XXXX is Good, from XXXX XXXX very good. this is the latest Score. Please help. I have proven score that, American Express should issue my credit card now as soon as possible.
Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday, XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee, the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days, however, I also received a notification that my XXXX payment is 8 days past due and another automatic payment would be initiated in 2 days! This means that {$1900.00} will have been withdrawn from my account for XXXX payment causing me to be unable to pay other bills on time. I did ask the representative " XXXX '' to remove my auto withdrawal so that payment could be made ( again ) only if the {$1300.00} is refunded to my bank account. I am not confident that this will occur. I will include the email reference regarding my auto with drawl so that it is clear that Prosper took the double amount. I did not accidentally make a double payment and the other information regarding late payment and fee can be reviewed. 
Please also note that there are may consumers with the same complaint about Prosper taking double payments and holding them as well. All it takes to find them is a simple XXXX search. 
Thank you for your consideration.
I am a Rushcard holder. I have no idea why. I have bank accounts. I will close my Rushcard account after I get my money. I received a text stating my card had been blocked for suspicious activity and to contact Rushcard. I called them immediately and upon me calling, I started receiving text stating I am being issued a new card and it will be in the mail in 7-10 business days. I began asking what was compromised and a better explanation and the rep is short with me and tells me that it comes from coporate. It has been 7 days, I still do n't have my " new card ''. They did n't even offer me the option to expedite the card! I get paid tonight and will not be able to access my funds. This will be a deposit of over XXXX. I have XXXX children. I work everyday. I called again today and XXXX, the floor supervisor in customer service told me to wait until Monday and at least my money is on the card and I should n't be upset. And if I want to get a lawyer to go ahead. I then called XXXX customer service who told me, someone will call me back in 2 business days! I am very disappointed. I told my family members about the service due to THEM not having a bank account. I should have never opened a card with them. That Fee holiday is XXXX. They should be ashamed. Please someone do something.
I have a credit card with Synchrony Bank. Synchrony Bank has unjustly ruined my credit. Since, summer of 2016, I have had issues with receiving my credit card statements in the mail. I contacted Synchrony Bank to let them know that I was not receiving my paper statements. In XX/XX/2016, Synchrony representative suggested that I make on-line payments. I went ahead and followed their advice. Since, XX/XX/2016, there has been an issue with Synchrony Bank processing and posting my on-line payments through their website. I have been erroneously and unfairly charged outrageous fees because of such. Synchrony Bank has also sent my account without contacting me first to a collection agency. I have paid the collection agency the amount due with no issues. I would like for someone to look into Synchrony Bank 's practices. It seems through my research, I am not the only person having these issues with Synchrony Bank. I would like Synchrony Bank to remove all of their unjust fees that they have erroneously charged me as well as fix my credit report. Synchrony Bank obviously has an issue with their on-line payment system, as well as, incorrect mailing of paper statements to consumers. I should not have to XXXX down a credit card company to pay my bill, not to mention it is very difficult to get a representative to help you or even understand the issue at hand. It 's absolutely ridiculous, you are unable to pay this company.
I became aware of an account opened with Chase bank when I applied for a credit card and was denied due to delinquency with the bank. I informed the Chase bank that I have no account with Chase bank, so they looked up my SSN in their system and they found there was and account open with my SSN in another name. After two and a half hours on the phone with Chase, I finally reached the Security and Fraud team of Chase who asked me to fax a copy of my SSN Card to them. I have problems with the situation where I 'm trying to report Identity Theft and fraud to a company that wants me to prove who I am by me faxing my SSN Card to a location that I can not determine the destination. During my talks with them they had immediate credit reports from XXXX, XXXX, and XXXX at their fingertips that indicate that my SSN is connected with my name, yet they place the burden of proof on me to prove who I am after failing to perform due diligence in verifying the person whom opened the account with my SSN. I was underwhelmed by their service. Chase was delinquent in obtaining sufficient identification from someone who sought and achieve taking money from them in the form of a loan, and they have place the burden of identity on me. It appears that Chase has sold the loan to a strong arm collection agency and I 'm now being asked to pay the money at XXXX and other crazy times. Very upsetting. Chase get with the program, you should be ashamed.
XXXX XXXX credit card. They said I would get to board the plane first if I bought the credit card that cost ( {$100.00} ) per year so long as I use the card to buy the plane tickets. I did what they said but when it came time to board I was put in group 7. Well after several other groups boarded. When I complained to XXXX XXXX they told me it was the credit card 's problem. So I called the credit card and they told me it was the airline 's problem. After that went on for three or four times ( on the phone with the airline and then the credit card ), I simply gave up.
I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.
This account was previously deleted from my credit report from two other collection agencies as there was an error and they continue to report it. I do not owe {$350.00} and they are reporting this account was opened on   XXXX   XXXX     which is not true. I have been fighting this for years.
I sent the naval federal credit union statements showing late fees and they have not confirm receipt as request and they keep stating i have not provided any or responded to their request when I have more than once and I more than one, the change the credit term about a loan I requested, they have done nothing to get the unfair reporting to the credit company which has been add to my account
I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.
INCIDENT NO. XXXX, XXXX XXXX, XXXX. XXXX, 2015, {$660.00} + {$16.00} FEES. 
Receiver : XXXX XXXX XXXX, Payout location : XXXXXXXX. XXXX went to pickup the money on XXXX XXXX, 2015 and was told that it had been picked up by XXXX XXXX XXXX. I 've never heard of this person. All the documentation I have lists XXXX XXXX XXXX as the recipient. 
Western Union says they are not responsible because someone called them and told them to change the recipient. Which is a ludicrous statement, and does not override a written contractual ageement. I have been back and forth with Western Union and they claim are not at fault. However, even the documentation they sent me states the recipient was not the listed recipient. Also, there was a security question. Surely this XXXX XXXX XXXX was not able to provide the answer to the question. 
Bottom line is that Western Union gave my transfer to the wrong person and is saying they are NOT responsible. 
Aside from being in a XXXX, my friend is without money. He was unable to catch his flight and has accrued hotel expenses of {$1000.00}. 
What they have done is illegal and need to pay up the money accrued at the hotel as well as the initial {$660.00}.