WillisBack/dataset-financial-user-claim huggingface dataset:
In late XX/XX/XXXX I had a large balance on my XXXX Card that I was unsure I would be able to pay off before my 12 months 0 % interest expired. Having recently opened a card with AMEX that offered 0 % interest for 18 months including on balance transfers I decided to start filling out an application for a balance transfer and see if this would be helpful to my situation. Upon getting most of the way through the application I received an email from AMEX stating that they needed further information from me to complete the transaction and to contact them. At this point I decided to wait and see what I wanted to do. No where in the email did it mention that the process would be completed regardless and I would not be contacted. After never receiving any further details or information about the transaction I was rather annoyed when on XX/XX/XXXX AMEX without my knowledge or final approval transferred {$3900.00} to my XXXX card. I had already paid the balance on XX/XX/XXXX ; when I receive an email from the company stating they need more information to complete the transaction I expect especially for a relatively large transaction to be contacted by the company at some point via phone call or email. I immediately upon discovering the issue contacted both creditors to figure out how to fix this issue. I then as quickly as possible got the {$3900.00} returned to AMEX. Howeever they were unwilling despite everything to credit back the {$110.00} fee to my account. I disputed the claim and hoped the issue would be resolved. Unsurprisingly I never received word about how the issue was resolved on AMEX 's end. So when I called on XX/XX/XXXX to inquire about the issue and they tell me it was resolved and there was nothing that AMEX can do to reverse the fee due to the balance transfer being completed, therefore I am responsible for taking care of this {$110.00} fee. In the end did not want the balance transfer and AMEX without ever contacting me completed the transaction. There customer service staff have been incredibly difficult to deal with and largely unsympathetic to the situation or how poorly this situation has been handled. I am trying to find the email from the ordeal stating more information was needed, but it appears to have been deleted from my inbox. The most frustrating part of this whole ordeal in the time expended trying to resolve the matter and the fact that AMEX continues to place all the blame with me for this matter even though I keep trying to explain to them that this transaction was not properly completed and yet they relentlessly try to put all the blame on me when I feel this whole issue could have been avoided if once via phone call or email I was notified that the transaction was going forward. AMEX tells me I am responsible to cancel the transaction, however in my mind it is difficult to cancel a transaction that you were unaware you had completed.
I opened an account with wells Fargo in XX/XX/XXXX following a {$300.00} sign up bonus offer. The terms indicated that {$1500.00} in deposits for 3 consecutive months were needed to qualify for the bonus. I did so inXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. InXX/XX/XXXX I contacted Wellls Fargo to make sure I met the requirements. The rep stated that I did and that I needed to wait 45 days to see the bonus in my account. In XXXX I called back and was told to wait while they do research. After a few emails a person from the executive office called me and said that she can see DDs on my account but she needed to " research '' further. That was last week. the case number is XXXX.
I received two emails from a source named, " XXXX '' on XX/XX/2017 regarding two " trial periods '' for products ordered in the amounts of {$69.00} and {$79.00} to be deducted from my debit card account. It stated that the order number was XXXX and " XXXX XXXX   will appear on my credit card statement for one charge and XXXX XXXX   XXXX will appear for the other. 

I immediately emailed them back advising them that I did not order or authorize a " trial period '' in the amounts they specified and that this appears to be " fraud '' on their part for these transactions. 

They immediately emailed me back cancelling the " trial periods ''. I contacted my bank and filed a claim to have the monies returned to me. The bank says that I received the two products. I then recalled several months earlier requesting a product and ordering it for around {$24.00} and authorized that payment. I did receive the products, never used them because I never received an acknowledgement by email or mail of the order nor were they charged to my account. 

I return what I received back to where it came from when I discovered that there may be a connection between the transactions. There was not a name on the box I received with the two products. I advised my bank that the products I received ( still don't know where they came from ) were returned unused and they contacted the two organizations who said they had been used.

There are two issues, as I see it. They can not produce a document or an email which states I ordered a " trial period '' and they sent me a " confirmation '' of the order at the prices they deducted from my account. They cancelled the trial period and I sent them back the products unused. My account should be credited back the amount deducted. 

I was curious about the two company 's and who they are. My research reveals one company ( XXXX ) only has one product, called XXXX, a brain-fortifying product and has no connection to the products I received in the mail. The other company, XXXX XXXX is an IT company. So why would they be receiving a separate payment for these products. Something is not making business sense.
My email to XXXX XXXX NMLS # XXXX branch manager on XXXX and XXXX in XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX I opened this account in your branch in XX/XX/2018. 
( Acct # XXXX XXXX XXXX XXXX ) That month, I overdrew my account {$8.00}. I was unaware of this overdraft and was charged an overdraft fees of the following : {$36.00} on XX/XX/ 2018 {$36.00} on XX/XX/2018 {$25.00} on XX/XX/XXXX This left my ending balance - {$100.00} for the month of XX/XX/2018. 
XXXX continues the charges in the following : {$25.00} on XX/XX/ 2018 {$25.00} on XXXX XXXX 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 Bringing my balance to $ XXXX I called several times to see if any of these fees could be reversed and was immediately treated rudely and told " no ''. 

The account was then closed in XXXX and another {$30.00} fee was tacked on. Bringing my ending balance to - {$260.00}. 

I came to US Bank because I thought they didn't partake in the incessant fee charging of their customers. I admit fault in over-drafting {$8.00} and agree to paying a single fee for that. 

It has now been brought to my attention that I am in XXXX XXXX  for {$260.00} for a {$8.00} error. I am hoping you can do something to rectify the situation and request my removal from XXXX XXXX. 

Please get back to me at your convenience by replying to this email due to the fact that during working hours I am unable to answer the phone. 

Thank you for your consideration in this matter -- XXXX XXXX XXXX XXXX -
Chase Bank sent an offer letter to settle a Home Equity Line of Credit for less than the original amount. 

Settlement term was to " Cancel any any outstanding balance on the account '' Settlement payment was sent to and cashed by Chase Bank. However, settlement term was not honored because balance still shows on credit report.
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of 30 days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this. 
3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment.

I have spoke to Transunion, XXXX and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.
XXXX has been working on my behalf to dispute and remove accounts with National Credit System. The account has been paid for over a year and they are still reporting to XXXX bureaus. I called today to try and dispute over the phone and they told me to send a removal letter instead of a dispute letter like they have on file.
We were scammed by a timeshare in XXXX. Most of what we were told during the presentation has proven to be false. The timeshare has been paid off and we have tried unsuccessfully for years to cancel our membership with XXXX and they refuse to cancel. We have also tried to sell or transfer membership to escape escalating yearly fees without success. We stopped paying the yearly maintenance fees in hopes that XXXX would cancel or terminate our membership but instead turned us over to Monterey Collections. Research showed some timeshares allow to " surrender '' membership but XXXX said they would not send a " surrender packet '' or discuss anything about the account until the past due amount and penalties of {$2200.00} was paid. It is also highly likely " Surrender '' is another Scam. XXXX used lies, deceit and unlimited alcohol to entice victims into a contract that they can not escape from. We have attempted to negotiate, they refuse.
On XX/XX/XXXX, I received an email from American Express stating the following : " '' We are writing to let you know that, unfortunately, you are not eligible to receive the Welcome Bonus for the Platinum Delta SkyMiles Credit Card from American Express. 

Activity on your account indicates an effort to reach the Welcome Bonus spend requirement in a manner that is not consistent with the terms of your Cardmember Agreement. 

Please recall that the " How Your Reward Program Works '' section of the Cardmember Agreement states : " If you violate or abuse this reward program, you may forfeit some or all of your miles. '' For your convenience, you can review your Cardmember Agreement anytime by logging in at americanexpress.com, and selecting " Account Services '' then " Card Management '' from the menu. If you have any questions, you can chat live with a Customer Care Professional once you 've logged in. 

Thank you for your Card Membership. 

Sincerely, American Express Account Services '' '' When calling American Express customer service to inquire ( XX/XX/XXXX ), they told me I would no longer be eligible for the sign-up bonus because my cancellation of a purchased flight was deemed an attempt by me to meet a minimum spend threshold to achieve said bonus. I asked if I am not allowed to cancel or return items, ( a big perk in my mind for using a credit card ) and was told because of the large amount ( {$1200.00}, 2 round trick tickets on XXXX XX/XX/XXXX ) and subsequent cancellation, they deemed it fraudulent. To me and most people out there, it is fairly obvious charge-backs or credits should n't count towards the minimum spend. When I ask if I may still meet the minimum spend as I still had over a month left to hit the mark, they told me I would no longer be eligible because of the " fraudulent '' activity. I do not believe I broke their Cardmember Agreement Terms. " Violating or abusing '' to them has been me cancelling a charge which seems outlandish. With nowhere else to turn, I 'm hoping the CFPB can help resolve this issue.
Ocwen sent a short-sale agreement since the home is worth less than the total amounts due on the mortgage. We have complied with all of their requests and they still refuse to approve the final HUD documents approval and allow the title/escrow company to fund the loan payoff. The buyer has had their funds in escrow to comply with the short-sale closing date and Ocwen has prolonged the closing for weeks with no explanation other than " it is under review in underwriting. ''
In XX/XX/XXXX I made payment arrangements with Navient to resolve my loan balance. I was told that if I paid {$100.00} per month for 12 months that my loan would be considered paid in full. I called Navient in XXXX XXXX because the automatic withdrawals were still occurring. 

When I called in, the representative congratulated me for paying off my loan and assisted me with stopping the automatic withdrawal. Everything was quiet until late XXXX when they started calling and stating that I still owed money and continue to try to collect, which in turn is damaging my credit report. 

They're stating the calls that I made did not exist when I asked them to pull the phone calls. I believe inaccurate information was given and recorded. I was treated very poorly when trying to resolve the situation.
I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with XXXX XXXX. I have informed portfolio recovery but they do n't return calls
XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX Student Loan XXXX XXXX for a remaining balance reported to them by American Education Services of XXXX loans. This balance has been accruing interest for almost 9 yrs without my knowlege or notification of a past due or outstanding payment. These loans were both paid in full on XX/XX/XXXX through a consolidation loan I received from XXXX XXXX ( now XXXX ). Original loan documents as sent to me by XXXX are attached showing paid in full.
I am on of the people that was affected by Navy 's Improper Debt Collection which has affected my credit since it was done. I have called on a regular basis to see when Navy was going to pay me and fix the problem and have not received any satisfaction. It has been two years since you ordered Navy to pay and they have not done anything. Request that CFPB look back into the what Navy is doing and why they are dragging their feet in giving its customers relief. " CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions ''
After approx. XXXX ( XXXX ) total Total and Permanent Cancellation, Deferment, Economic Hardship Requests in addition to Loan Discharge Applications in addition to appeals to my congressman, referrals to XXXX and supporting documenation from physicians plus XXXX ( XXXX ) changes in servicing entities, my medical condition has been ignored until the loan, originally made for attendance online at XXXX XXXX University, XXXX, XXXX for {$6000.00} now stands at {$8900.00}. During that time the interest rates that have been applied have continued to change from 11.25 % to 7.25 % to the current 5 % with an outstanding principle of {$10000.00}. I had XXXX, XXXX, XXXX and most recently, a XXXX while doing my best to finish my degree at XXXX XXXX and then proceed to be certified in XXXX from XXXX University thanks to the good graces of the XXXX and XXXX XXXX of the State of XXXX. This I accomplished with excellent grades while attempting to make headway on repayment of my loans at the XXXX XXXX. I turned XXXX years if age XXXX 2014. On advice of numerous help agencies and after contacting my loans ' latest servicing entity, I contacted legal counsel and was advised of my right to seek redress through the courts. I made contact with the Financial Aids Office at XXXX XXXX and was referred to cfpb citing the feeling that legal redress might not be necessary. It is with this hope in mind that I hereby wish to file a complaint and offer reams of paperwork that has been submitted, resubmitted and repeatedly ignored in mine and my physicians ' substantiation of my XXXX claims. I currently receive {$1000.00} per month from XXXX and find continued repayment of this debt an extreme hardship.
Federal Bureau of Investigation ( FBI ) vs. TransUnion, XXXX, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of TransUnion-XXXX and XXXX. I have also submit an investigation by XXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to TransUnion, XXXX and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXXXXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!
When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!
They have been calling for 4 years now for someone who does not have this number and has never lived here. I do not know them and I have constantly told them they have the wrong number but they keep calling. They can find out who owns this number and that person has never had this number.
Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). 

Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. 
SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. 
For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.
I was scammed in a XXXX transfer on XX/XX/2017. Details can be found in this XXXX XXXX XXXX article. The bank had the nerve to say in their statement that they would finally reimburse my stolen money, but they have not. My name is XXXX XXXX, and the details of my ordeal are in this article. Feel free to verify with me on XXXX @ XXXX https : XXXX
In  XXXX , I was stuck on high deductible medical plan when my son   XXXX   XXXX   XXXX  . We incurred roughly {$3000.00} in expenses for multiple   XXXX  . Provider referred account to Collection Resources  XXXX   XXXX .  XXXX , Minnesota. I received a call on from them in the summer of  XXXX . We worked to resolve over time and I thought that we had, however, their understanding of resolution was not the same as mine and I received a bank account debit in the amount of {$2400.00} on  XXXX   XXXX ,  XXXX  without warning or notification. I contacted the firm and asked to resolve in a manner that would not overdraw my account, mean that I am unable to pay for planned car repairs which will impact my ability to get to work and also require juggling of payments and accounts to avoid missing other payments ( such as mortgage ). I was told that they would not negotiate on this and were going to keep my money. My complaints with the firm   : 1. Was told during phone call by representative that they would be unable to enter into a payment arrangement that did not include accounting for payment of balance in full within a fixed time.
2. I was forced to be evasive about ability to pay as a result of # 1 above and veiled threats connected to it. Event  ually, we agreed to a plan in which I would pay {$40.00} per month and make a final payment in full in  XXXX ,  XXXX . During that call the representative listed all of the debit dates but ended that series and mentioned a " final payment '' rather than another debit on  XXXX   XXXX ,  XXXX . It was my understanding that the " final payment '' was to be made by me or at least agreed upon with some warning. Not that I was committing to them debiting my account on a future date for an amount that is greater than my house payment.     3. Even had I agreed to such a payment ( which I firmly believe that I did not ), I do not believe that debiting a large amount without advance notice ... and not a recurring monthly amount ... is not ethical. Had I assented to this debit ( which I did not ), CR was attempting to prey and the fact that I had forgotten. They got the money and ran. A simple {$1.00} letter reminding me that they thought that I had agreed to pay {$2500.00} to them at a time when it would be clear to me would have avoided any confusion, however, this was clearly an attempt to grab money without the knowledge or informed consent of their victim.