WillisBack/dataset-financial-user-claim huggingface dataset:
I first opened the Care Credit card in XX/XX/XXXX to help pay for my XXXX XXXX. I opted for the promotional 'No Interest if Paid within Promotional Period '. The promotion would end XX/XX/XXXX. So I continue making my monthly payments, always paying on time ( sometimes early ) every month. The monthly amount I paid varied ( {$50.00} was the set amount but between XX/XX/XXXX and XX/XX/XXXX I paid upwards to {$100.00} a month to make the promotional deadline ). The promotional period charged me no interest but the fees varied. Fast forward to XX/XX/XXXX. I made my monthly payment of {$32.00} on XX/XX/XXXX ( due on XX/XX/XXXX ). I check my email this morning and I see I 've been charged with more fees due to 'impartial or late payments'- which is not true. I 've never been late and I pay my full monthly amountopted for the promotional 'No Interest if Paid within Promotional Period '. The promotion would end XX/XX/XXXX. So I continue making my monthly payments, always paying on time ( sometimes early ) every month. The monthly amount I paid varied ( {$50.00} was the set amount but between XXXX and XXXX I paid upwards to {$100.00} a month to make the promotional deadline ). The promotional period charged me no interest but the fees varied. Fast forward to XX/XX/XXXX. I made my monthly payment of {$32.00} on XX/XX/XXXX ( due on XX/XX/XXXX ). I check my email this morning and I see I 've been charged with more fees due to 'impartial or late payments'- which is not true. I 've never been late and I pay my full monthly amount before the due date. My balance is back to $ XXXX- same amount it was in XXXX- and I made an early payment in XX/XX/XXXX. My complaint is how do they expect me to pay this off when ( even after making payments ) the fees charged brings my balance back up again? With these high fees it 's like I 'm not even paying it off, which means it 's taking me longer to pay it off. If that makes sense. Another issue I 'm having is the fact I 'm paying on time ( sometimes early ) and they are telling me I 'm being charged a fee due to impartial or late payments. The sooner I pay this off the better. I 'll never use Synchrony Bank 's care credit card again. before the due date. My balance is back to $ XXXX- same amount it was in XX/XX/XXXX- and I made an early payment in XX/XX/XXXX. My complaint is how do they expect me to pay this off when ( even after making payments ) the fees charged brings my balance back up again? With these high fees it 's like I 'm not even paying it off, which means it 's taking me longer to pay it off. If that makes sense. Another issue I 'm having is the fact I 'm paying on time ( sometimes early ) and they are telling me I 'm being charged a fee due to impartial or late payments. I have n't spoken to Synchrony Bank 's customer service yet but based off the other complaints I 've read, they have n't been much help. 

The sooner I pay this off the better. I 'll never use Synchrony Bank 's care credit card again. Can someone please help me? Give me some insight please. Should n't my concerns matter as a consumer who not only pays the amount but also pays on time/ early? Any help you can offer is greatly appreciated!
American Express is attempting to dictate what rules are allowed/disallowed by means of communication over phone calls. 

See below : Federal law permits recording telephone calls and in-person conversations with the consent of at least one of the parties. See 18 U.S.C. 2511 ( 2 ) ( d ). This is called a " one-party consent '' law. 

American Express is not mutually agreeing to recorded phone conversations on the borrower 's end. Please keep in mind that Federal Wiretapping laws permit mutual recordings if 1 party claims to be recording a conversation. Right away, I can already submit documented accounts of American Express representatives not giving consent when in reality, they lose their right to non-consensual phone recordings from the opposing party if they, themselves initiate the recording as part of their company policies. I'm quite surprised that American Express maintains non-consensual recording from their end when this is a very common law in the United States. If American Express wishes to continue alerting its members of non-consensual recordings from the member 's end, then, I believe they lose their right to continue advising members that they are going to record the conversations going forward and should be forced to cease all recordings from that point. 

American Express continues to flourish in its countless incompetence, and it's really quite appalling that this Credit Card company is masked in the illusion of no wrongdoing.
On XX/XX/XXXX, I mailed a dispute letter to Equifax to dispute 5 different inaccuracies on my credit report. I did not hear anything. I then called on XX/XX/18 to see if they had received the letter. I was told that my profile could not be accessed and to call later on because maybe its not accessible due to updating. I called again on XX/XX/18 because I had not heard anything about the issue and was told to just fax the letter again. It is XX/XX/18 and I have not received results from my original dispute, can not pull my Equifax report from XXXX, and Equifax is saying they can not access my information due to updating nor can they send me an updated report.
I had a credit card that i used frequently and paid every month but they mailed the bill to the wrong address for a couple months and then they attempted to double what i actually owed. I attempted to negotiate with them on how much I owed but they would n't listen and sold my debt to a collection company.
In XX/XX/XXXX I pulled a copy of my XXXX Credit report and noticed that I had an account I wasn't aware of from NCC Business Services INC- regarding an account with XXXX XXXX   with an amount of {$250.00}. At the end of XXXX I started working with the original creditor and they told me that they are no longer responsible for the account and that NCC was. As I did further research, XXXX XXXX  breached their own contract by violating the Arbitration Clause with charging the account off and sending it to NCC. 

In early XXXX, NCC began calling me demanding that I pay and I told them a date I couldn't pay at the time but did give them a date that I could. I told them the only way I would pay is exchange for pay to delete and they agreed. I made a payment via internet XX/XX/XXXX inputting my information on paper. I have been fighting with this company since XX/XX/XXXX to remove this off my credit report as they promised. Furthermore, with them knowing that the original creditor breached their contract, and NCC being in violation also, I demanded that they remove it. I have also contacted all 3 credit bureaus with same valid information on my end. All parties have 30 days to respond. NCC fails to remove and this is the 3rd attempt. Two letters were last sent out on XX/XX/XXXX via mail ( certified ) which it shows it was delivered on XX/XX/XXXX XXXX and on XX/XX/XXXX at XXXX, so they've received it, along with the 3 credit bureaus. I have warned this company with a suit followed after this if they continue to report. They have already been sued twice for the same thing. Below I have attached all the documents I have sent them regarding this account and copies of the certified receipt even to all 3 credit Bureaus.
Did not authorize the account and customer service representatives refuse to provide me with who or what company provided with my information. Company information provided was netSpend for a " consumer partner ''. Transferred multiple time but was unable to actually provide me how they received my information. The first individual was XXXX at ext. XXXX that was unable to close the account or provide me with the information. The next was XXXX ( employee no. XXXX at ext. XXXX ). XXXX accidentally deleted my account number after I asked to speak to her manager. XXXX also briefly me on hold to obtain the information and did not have the information when I return. Getting actual person was next to impossible!!!!!
CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
I called the collector on XXXX XXXX, XXXX regarding a collection with XXXX XXXX. My court date was set for XXXX XXXX, XXXX. I spoke with XXXX XXXX and explained that I had been pursuing a loan to settle this matter and would like to do this out of court. XXXX said that he would call and cancel the court date and that I would not have to go to court. I specifically asked him if I would be in any trouble, like " contempt of court '' or anything legal like that. He said no, I would not be in contempt of court and no further action would be taken if I settled the matter. I telephone Messerli & Kramer on XXXX XXXX, XXXX and was informed that the judgement had been placed because I did n't show up for court, and now my credit has taken a huge negative hit. I asked to speak to a supervisor and explained the situation. The supervisor said he would listen to the transcript of the call, which he did and said that he understood where the " misunderstanding '' was made but that the judgement had already been filed and there was nothing he could do about it. 
Desired Resolution : Correction to a credit report Desired Outcome I am willing to settle this debt for the amount I owed XXXX Funding for purchases, less additional charges and fees.
XXXX XXXX XXXX had contacted me 4x on Monday, XX/XX/XXXX18. Once at XXXX and thrice at XXXX. I took a screenshot of the 4 calls made on my XXXX. I consider this harassment as far as a debt collection tactic goes.
Nationwide biweekly mortgage reducer ( Interest Minimizer ) mislead me into thinking I would reduce the term of my loan while saving money if I added them as a third party to pay my mortgage payments biweekly. They charged me a " XXXX time '' setup fee of {$590.00} which I would like to be refuded as soon as possible. I was mislead by this unfair company. 

XXXX XXXX
XXXX XXXX has 3 accounts in collections for me totaling {$4800.00} that where opened on XX/XX/17 that are not mine. I would like to dispute all 3 accounts. Accounts are with a collection agency by the name of Astra Recovery. I spoke with them and they advise me to file a dispute.
Transworld Systems is reporting that I have a debt with them from XXXX. This account is not in my name. The account is in the name of XXXX. I have disputed this account, but they continue to report it on my credit report.
BASIC INFO : Credit Card Co : Capital One Credit Card Type : Secured Card Credit Card & Account Number : XXXX XXXX XXXX XXXX What is this complaint about? <P/>1. Have been using the card since XXXX 2016 ( 8 months ), and paying balance on-time. <P/>2. Problem : a ) In XXXX, I used the card to make a car purchase dowmn payment. When came time to pay, or access to online account was denied, under the premise of a fraud, when there is no fraud or attempt for one, whatsoever. <P/>b ) The Account was put on a temporary restriction Status, which prevent the use of the card or access to the account on-line to verify transactions and make payment, but also to avoid paying INTEREST. <P/>c ) I could not make any online payment, as the account is " paperless. '' An operation I have been doing for 8 months. A profile with my Checking Account # and payment info has been set and used for several every month. <P/>3. Contaced the CapitalOne Customer Service about the issue and was told that there is a suspicion of fraudulent use of my account and, was given several options to " VERIFY MY IDENTITY '' - one of which is to take a list of documents to a local Capital One Branch to do the verification. I did just that, about a month ago. I took the cards I had with CapitalOne, my SS Card, My Driver 's License and even the Deed of my residence. The CapitalOne Branch Employee called using their phone system the Fraud Department, who spoke with both thebank Agentand myself, asked several questions to satisfaction. Consequently informed me that the Account will be restored within 24 hours. It was not. <P/>4. Havingjust started a 2nd job, and without need to use the card, did n't have time to follow up until a week or after. I went through the same scenario and had to go again verify the identity with the same agent, etc. The account did n't clear. Meanwhile, a derogatory entry was made to Credit Report. <P/>5. I called again, and this time they DEMAND that I provide them with copies of my Driver License, Social Security Card, Utility Bill, etc. I CATEGORICALLY REFUSED. The information is private and protected, and the documents are PERSONAL. I have showed them for VERIFICATION, but refuse to give them away or authorize anyone to have them in custody, on the cloud or on the moon. <P/>As consequence, it has been over a month since I WAS AND CONTINUE TO BE PREVENTED from making payment, and therefore forced into paying an interest, let alone the inconvenience and unnecessary aggravation. The cards are SECURED with MONEY I had to pay up front. For that, an obligation is in effect. By preventing under " false premise '' the use or even payment of the balance, Capital One breach its contract and obligation. The argument " their policy requires documentation '' is but bolony. It would have been perhaps true before the issuance of the card, not 8 months later! They de Facto waved that pseudo-policy. It comes down to VERIFICATION v POSSESSION ( custody of ) of private and personal documents. Verification has been executed twice!
I have now answered over XXXX calls from a number that keeps calling as XXXX, which documented dates and times. Company appears to be Midland Funding. This must be a computered generated call, because nobody is ever on the phone, it shows blank air time, then a few clicks and disconnected. I do n't have a clue what they are calling about, but this occurs once to twice per day, and I have to drop everything I 'm doing just to hear a line drop with no person available. I wish for them to stop calling, as for whatever reason they are calling, I tired of being harassed.
Wells Fargo has been harassing me and calling me at my job to " collect '' on payments that I have been making. They assign late fees after the fact and then call as if I have not made a payment. In the last two weeks I have received phone calls once on the XXXX of XXXX and once XXXX for a payment I have already made within the 10 day grace period of making the payment. Yet I still get a late fee for this payment. They make it impossible to call about the loan because they continue to transfer you different places. I have requested to change my payment date and they would not do it without me making a payment that forced an overdraft and still have not updated the due date to better fit when I get payed so I can avoid these issues. I was also told that a late fee would be waved but they have not waved any which further makes this cycle a problem. Statements are impossible to read/understand and they just make you feel XXXX for asking any questions so it is hard to know what is going on and what is right or wrong. I am sure they are taking advantage of me and harassing me at my job and I feel like I have no way to stop it. They are an awful company.
I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP
I came into this branch today to open a savings account after the security guard informed me that the banker was already late she told me that he had no appointments in front of me and that I would be the first person he saw it he came in the bank teller XXXX was late he immediately ignored me he went into helping other customers and decided to ignore even the security guard telling him that I was waiting on him for customer service and then began to still sit there and do whatever he wanted to I waited patiently going on XXXX upwards of 20 and 30 minutes away Ting I came up to the window and I told the young lady I said you know it at this point can I just close my account and withdraw my funds she told me I could not without speaking to a banker I said what I know I should be able to withdraw my funds without talks about 30 minutes now and she told me that I could not have to have a seat and then I said the lady that was sitting there threw up her hands very disrespectfully and walked away the branch manager with her little XXXX attitude told me that they were going to ask me to go to another branch because I was being rude and I told her what was rude was having the nasty late Banker sit there and ignore me while I was waiting going on 20-30 minutes for his service so that I can open a savings account and close my savings account at the same time I began to leave and me and the branch manager began to have heated discords back and forth with her being sarcastic and nasty and telling me to leave and when I asked who she was she just slammed her business card under the window at me and said what time the branch manager Etc the security guard began to in a threatening way hold her hand on her firearm as if that was supposed to provoke me to leave the building faster and which I told her that I was not scared of a XXXX all the cuz she had a XXXX she's not the only one with XXXX and things like that and I left with the same that actions like that is how people get shot XXXX Branch I've ever went to I went to another Branch immediately after and inform them of what happened and at first it was no problem with me opening my account and getting my funds for savings account and then after that I got a call some evening by some security for XXXX telling me that the bank was going to be closing my account because of the comments I made still without addressing any of their customer service issues so that is going to be handled in court on Tuesday I've never had such a nasty unprofessional unethical XXXX ran building Bank in my life one branch and BMO is siding with his XXXX employees as if I'm the villain in this and I did something wrong XXXX ridiculous
On XXXX XXXX 2016 I contacted XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX by phone and informed a salesperson that they had a car I would like to look at for my wife. I informed the young lady that I would be in in the morning with the cash and would buy the car if it were " as advertised ''. When I arrived the next day I found they had sold the car the day before despite being told at XXXX the XXXX prior that the car was still there. They tried to sell me a more expensive car and I left without doing any further business with them. I later found out they they had run a credit inquiry on me without my permission or authorization. Upon logging into XXXX to post a review of this business I found that I was not the only person this has happened to. When I called the dealership and spoke with the manager I was informed he had my " digital signature '' allowing them to do this. I did not give them anything permitting it. He stated he would have someone contact me. No one did. I called again and was given the run around by another individual claiming to be a manager. He was no help either.
XXXX XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
DSG Collect called my cell phone number while I am at work to attempt to collect an alleged debt my wife owes.. The concern is that the collector dialed my cell phone and I do not recall ever authorizing this collector to dial my cell phone. Thereby, violating my rights under the FDCPA guidelines.
Case No. XXXX XXXX Filed superior Court of California , County of XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. XX/XX/XXXX Hunt and Henriques for XXXX credit card loan robo signing of lawsuit and improper notification of court action. promised to reduce pay off amount of loan and then transferred me to another person and refused to keep their commitment because they did n't like me personally. I paid off full amount by selling my home. they liened my home illegally. With the liens I could not refinance to a lower interest rate and afford my payments. I was on XXXX. I was homeless for a long time and that is why it has taken me a while to get this complaint filed. I paid off the debt in full when I sold my home XXXX.
The following accounts are past the Statute of Limitations past 7 years and needs to be deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are 7 years old negative and according to FCRA any negative accounts must be removed after 7 years. I 've sent numerous letters to credit bureau Experian and they have yet to respond.