WillisBack/dataset-financial-user-claim huggingface dataset:
This is the 3rd or fourth complain I am filling with this bank. I had travel out of the country back in XXXX and prior to that had contacted the customer service online to inform them. While overseas, I used my card twice in the ATM. When i checked my online statement after returning., I saw that I was charged international ATM, Fees, and other fees. I had asked the representative if i could use my card and what other fees i should expect, I was told it would just be the ATM fees since its not my bank 's ATM. yet I was charged other fees. Secondly, I am constantly charged overdraft fees, Often I would check for my account and know I have funds available and would still get charged. Sometimes i get charged double the fees. I understand the terms of having overdraft protection, but I feel this bank uses that to their advantage to overcharge customers. Its almost like a punishment. The government needs to look into it. its becoming an issue.
Trying to import my card data into the XXXX app. Capitalone is not allowing this
1. when emailing about the debt, Moroney Law never gave the amount due in any emails ( dates of emails  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  ) 2. the name of the creditor to whom the debt is owed was not stated in any emails -The emails sent specify that disclosure or use of any of the information contained in this e-mail transmission is STRICTLY PROHIBITED ( no copy of emails for you ) 3. they have called between the hours of  XXXX - XXXX  without knowledge of circumstances repeatedly (  XX/XX/XXXX   XXXX  ) other instances can be obtained from an old phone if neccesary 4. during communication with my father the debt collector threatened to take matters to an attourney and that it would effect my credit score which caused him to call me and harrase me about a debt he isnt allowed to know about. ( they record calls )
I applied and was approved for Amex Platinum Personal card on XXXX/XXXX/2016, where the terms and conditions stated a bonus of XXXX points on spending {$3000.00} within 3 months. 

I satisfied the bonus terms and received the points within 3 months ( before XXXX/XXXX/2016 ). The purchases and spending made qualified under those terms as appropriate ( I was over the threshold spend even after credits, returns etc, and none of the spending was for cash-like instruments like gift cards and so on ). 

However, today on XXXX, the points have been taken away, which is against the terms and conditions, given that I satisfied them completely and fully. I have fulfilled my end of the terms and conditions, and expect Amex to do the same please.
In XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended XXXX XXXX XXXX in XXXX XXXX, Missouri.We entered the agreement through fraudulent enticement and coercion as e.g. our letter filed with the XXXX County Courts of Wisconsin on XX/XX/XXXX. 
Our cases XXXX and XXXX were heard separately. Unfortunately our letter was a day late for my case and I was unable to make an appearance the day of court because of being on the road. 
The court ruled in favor of the plaintiff for the amount of {$7000.00} plus {$800.00} for costs and disbursements, with the total damages being {$7800.00}. 
On XX/XX/XXXX XXXX 's case was dismissed. XXXX appeared for her court dates and testified against the XXXX revealing the multiple incidents of XXXX and other forms of harassment we experienced together as we attended XXXX. The school 's attorney didn't deny the accusations, rather chose not to argue and allowed her case to be dismissed. 
I experienced the same treatment. XXXX and I were seldom apart during our attendance of XXXX XXXX XXXX. My tardy response and inability to appear in court makes me liable to pay the judgement. 
The Gurstel law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI.XXXX, now represents XXXX as a debt collector. I was informed by a representative from their company that I have paid {$16000.00} to date on the my debt that the judge ruled to be a total of {$7800.00}. I was also informed by the Gurstel firm that the amount I owed is {$10000.00} plus interest of {$9300.00} for a total of {$19000.00}. 
I just received in the mail a notification of garnishment for the remaining balance of {$3700.00}. This incurs a daily interest of {$1.00}. 
I may be bias, but this seems absolutely ludicrous. 
XXXX and their attorneys chose not to argue against my wife 's testimony of fraudulent enticement and harassment and her case was dismissed. Knowing full well that they would collect her amount from me plus another tuition in interest. 
So, the school is better off treating their students unprofessionally until they leave unsatisfied and traumatized because they will make more money in collections. 
Unbelievably Violated, XXXX XXXX XXXX
error different names on credit report items not mine cra violation no knowledge po report # XXXX XXXX sent hpd
Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!
I declared personal bankruptcy 4 years ago. My home has XXXX mortgages. At the time, my lawyer advised that I =not= include the servicers in my list of creditors. I have never missed a payment with either company, but because I did not include them in my list of eligible creditors, they have refused to report my good payment history to XXXX, XXXX, etc. so I ca n't properly rebuild my credit.
When I call to speak to customer service I am told one thing, then a month later I started receiving phone calls and emails telling me I was in default and my wages would be attached. I called customer service again and they stated that they have no record of payments or my calls. I ask for options, I am given only one option with a flat payment. I am told I do not qualify for the non-profit employment option. I tried to file for financial hardship due to assisting a family member, I was told that does n't matter. I said I had to get a second job and the payments I was making every two weeks was not sufficient. Absolutely no help or consideration, all they wanted was information on my second job. XXXX is my college.
I have repeatedly asked for the identity, phone #, address of the investor of the alleged mortgage loan ( originated by XXXX XXXX ) which allegedly became securitized with over XXXX other mortgage loans in XXXX. 
This is reported under a different servicing number by Chase of XXXX. 
I am entitled under the new Dodd-Frank laws and TILA laws to know who my creditor ( s ) is so that I can negotiate directly with the creditor. 
Chase has sent a letter dated XXXX XXXX, 2015 stating that the investor which they service for is : XXXX as Trustee for XXXX and then they list the Mortgage Research ( XXXX ) in XXXX XXXX, MN XXXX and the phone XXXX. 

This is NOT the investor and Chase continues to confuse and obfuscate the truth. This is not supposed to be the Trustee for the securitized trust ... .it is NOT the investor. 
Furthermore, when I call that number -- -they will not talk to me and tell me to talk to Chase. 
They said they are indemnified ... .meaning protected by insurance from Chase. 
I need to talk to the investor. I need to be able to negotiate directly with the investor. 
Chase is not complying with Dodd-Frank, nor TILA. They are stone-walling me. 
It is not longer 'proprietary ' who the investor is. I will not tolerate Chase 's stone-walling. 
Chase is now breaking the laws once again.
It is very apparent that either nobody bother to reads the full statement, or you guys are absolutely illiterate and can't comprehend what I have written.. PLEASE READ THE STATEMENT IN ITS ENTIRETY, AND BEFORE JUMPING TO CONCLUSIONS, YOU'LL NEED TO DO YOUR DUE DILIGENCE AND RESEARCH THE CALL AND HONOR THE STATEMENT, BECAUSE YOU DO SPEAK ON RECORDED LINES. 

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.
I contacted National Credit Systems to verify a debt. They have not given me any information on this debt. While I did stay at XXXX XXXX XXXX, under MO law the landlord has 30 days to send you an itemize report of deductions and damages ( Missouri Annotated Statutes XXXX ). This was not done and the credit agency can not furnish any information in regards to the damages and cost.
The company had me paying {$29.00} a month to pay towards my student loan. 
The company claimed they were consolidating my student loans and established a {$29.00} a month payment. I was notified by my credit protection services that I had an outstanding federal student loan since 2015. My student loan are {$1200.00} behind. This company representatives have been misleading me also contacting the student loan agency on my behalf for forbearances. I have proof they have been withdrawing these fees from my bank account without authorization and I plan to do a dispute. This occurred after I graduated from the XXXX. 
Desired Settlement I would like all of my money refunded from this fraudulent company.
According to Experian and  XXXX , I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of  2015  with no response or validation that I owe a debt, so I sent  two  certified letters to both Experian and  XXXX  in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.
According to the fair credit reporting act, Section 609 ( a ) ( 1 ) ( a ), Equifax is required by law to verify, through the physical verification of the original signed consumer contract- any and all accounts that are posted to my credit profile. I have asked previously for verifiable proof ( an origional consumer contract with my signature on it ) for the accounts listed below. Failure to provide this proof has hurt my ability to obtain credit. Under the FCRA unverified accounts that Equifax has not sent verifiable proof of must be deleted. The accounts in question are listed below Legal Item public record XXXX XXXX
I have disputed  XXXX  unverified accounts and unauthorized inquiries. They previously wrote back that they would n't be re investigating the accounts. They sent me a fraud alert from to inform me that a fraud alert had been placed on my account then turned around and sent me paperwork of not being able to locate my credit report.
On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.
I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, XXXX or Transunion 's website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
I use a non-profit business, XXXX XXXX XXXX, to help me with my loans and understanding payments, terminology, options, and other miscellaneous issues that are relevant to student loans. XXXX XXXX is my representative from XXXX XXXX XXXX and together we have phoned XXXX as a conference call on multiple occasions over the past few years to get answers to some questions regarding my private loans. On Wednesday, XX/XX/XXXX I attempted to reach CFNC by phone to discuss my increasing monthly payment on my private student loans. 
XXXX has stated in previous conversations that they do not work with 3rd party callers ( despite my presence on the line and confirmation of all of my account details ) but when we have requested to speak to a manager in the past, we have been transferred to the appropriate person and have been able to discuss my account and ask questions. When XXXX and I phoned XXXX together on theXX/XX/XXXX, the first representative was very abrupt and rude in our requests to speak to a manager. We explained that we were both on the line and just wanted some questions asked about my options for repayment plans. Finally we were transferred to an assistant supervisor, XXXX. XXXX was extremely rude and unprofessional. She had an aggressive, impatient attitude towards the two of us and was completely unwilling to help or discuss anything with us. She disconnected the call by hanging up on us without letting us know she was ending the call. An assistant supervisor from XXXX hung up in our face within less than two minutes of being on the phone with her, which took us over 20 minutes to even get through to someone we thought would be willing to help. 
I am doing the best I possibly can to repay my loans and XXXX is not only offering a lack of assistance in helping me to do so, but also is very unprofessional and disrespectful in their customer service.
I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX
I have applied for 2  Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.
Someone used XXXX to steal {$2400.00} from my XXXX Account. But on XXXX 's website it says to just go through my bank. Even if I get my money back eventually, why should I have to spend all day dealing with my bank and be out the money for two weeks that isn't fair.
XXXX card customer identification number XXXX statement closing date XX/XX/2018 shows a duplicate purchase charged to my account in error. Have tried to rectify with merchant with no success whatsoever. The purchase date is XX/XX/2018, the amount is {$15.00}, item was only purchased once!
I called TransUnion and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
XXXX XXXX XXXX AND 2 BRANDS  XXXX, XXXX XXXX PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO TRANSUNION CREDIT FILES..TRANSUNION IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING TRANSUNION LLC TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Repeated calls, between 5-7 per day. Most days. 1 call per day in weekends.
On XX/XX/XXXX, I received a hello letter from ShellPoint mortgage, who began servicing my loan. On XX/XX/XXXX, I made the initial mortgage payment, consisting of principal and interest. My monthly mortgage payments are current, and I pay my own property taxes. The problems started on XX/XX/XXXX, when ShellPoint mortgage set up an annual tax escrow account for tax year XX/XX/XXXX. On XX/XX/XXXX, I notified ShellPoint mortgage that my XX/XX/XXXX property taxes would be fully paid by year- end XX/XX/XXXX, and that my taxes have never been subject to an escrow account. ( There were no overdue taxes on account. I have owned my property for decades ). On XX/XX/XXXX, I prepaid the remaining amounts owed on my XX/XX/XXXX property taxes. Effective XX/XX/XXXX, I owed {$0.00} dollars for XX/XX/XXXX taxes. On XX/XX/XXXX, I notified the managing director of servicing, XXXX XXXX, that my XX/XX/XXXX taxes were paid in full, and that no tax payments were owed for the next thirty -days, or anytime soon ; in my area, XX/XX/XXXX tax assessments are not scheduled to be issued until early summer of XX/XX/XXXX. XXXX XXXX requested proof of payments, and provided me with an email address. On XX/XX/XXXX, I sent in the proof of payments as directed, and the following day received confirmation of email receipt ( s ). Nonetheless, on XX/XX/XXXX, I received a threatening letter from the Loss Mitigation Department at ShellPoint mortgage, who falsely claims past due amounts owed, ( which, includes a late payment fee for my XX/XX/XXXX monthly payment, which was timely made ), and threats to call in my loan. 

On XX/XX/XXXX, I spoke with the servicing department at ShellPoint mortgage, who apparently lacks the necessary power to make adjustments on accounts. 

On XX/XX/XXXX, I sent ShellPoint mortgage a detailed letter, and re-submitted proof of property tax payments for XX/XX/XXXX, ( via email, fax, and express mail ), and also sent a copy of the delivery receipt for the XX/XX/XXXX, mortgage payment. 

In my letter of XX/XX/XXXX, I requested the following from ShellPoint mortgage : To be removed from their escrow system, ( no property taxes are due forXX/XX/XXXX, or within the next thirty ( 30 ) days, or anytime soon ) ; that ShellPoint mortgage make all necessary corrections to my account ( ShellPoint mortgage is owed no money ) ; the return of an overpayment made by me on XX/XX/XXXX, for {$460.00} dollars. An error in the ShellPoint mortgage telephone electronic system caused an overpayment on account, which has not been credited or returned. Instead ShellPoint mortgage used the money to fund the alleged escrow account for XX/XX/XXXXpayments, even though full payment has been made. I request that loss mitigation cease and desist from sending harassing and intimidating mail. To date, ShellPoint mortgage has opted to ignore the facts, and the submitted proofs, showing no payments owed on accounts. I request your assistance in this matter. Thank you.