WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I attempted to purchase a personalized gift card from American Express using my American Express credit card. However, when I attempted to complete the order, I got a server error message and never received formal confirmation that the order was successful. I called Amex several times that day and spoke with XXXX people for over an hour! I wanted to cancel the gift card because I was so disgusted that so few know what they are doing in customer service and each time the gift card group was attempted to be contacted, the line would disconnect or the wait time was over 10 minutes and I would get disconnected again. But American Express would not allow me to cancel because they stated the charge was pending. That I had to wait 48 hours for the transaction to go to pending to recent activity. I checked my activity online every day since and the pending amount of {$77.00} was no longer there when I checked on XXXX/XXXX/16 but it was not on my recent activity. So I was not sure what was going on. At XXXX XXXX EST I received an email from American Express stating that the gift card was shipped. But when I checked my account activity several times prior to XXXX EST and afterwards the {$77.00} charge did not appear on my activity nor pending. Proof attached. I was again angry because American Express has a terrible customer service group that is mostly outsourced. I spoke with someone at XXXX EST and I asked why I was not able to see the charge before having the ability to cancel the order? 
So they shipped the card to the recipient and when I asked about cancelling the order I was told they would do it but then the recipient would receive a card with no funds. It is absolutely ridiculous. How could I cancel an order and have a gift card sent to someone without any funds? What is illogical to me is that if I order something online from a large department store, I have the ability to cancel the order within 30 minutes of the transaction. 
But I ordered something from American Express and they would not allow me to cancel the transaction before being approved. So in my view, what Amex just did is not within normal standards and I was never given the proper opportunity to cancel the gift card before it officially appeared on my activity. They basically cornered me and I felt forced to leave the charge as is because I could not in good conscience have them ship a card to someone without any funds. This is n't proper procedure in my view and I find it a violation of ethical and regulatory standards.
Issue # 1 : My telephone line was damaged by a contractor. XXXX XXXX XXXX sent a bill for the repair and I paid it. My account shows a credit balance for the amount they want. I continue to pay the current charges every month yet XXXX XXXX XXXX doesn't correct their error. The money has been in their possession from the start. 

Issue # 2 : JNR, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX continues to call and try to collect when they were notified in writing to stop. They are engaging in unfair collection.
Applied for HARP through current mortgage company : PHH mortgage. Submitted all paperwork and an appraisal was completed by 3rd party suggested by mortgage company. The loan processor told us the underwriter said the pool has to be filled in because that 's what the appraisal indicated. However the appraisal did not say that. It actually stated the condition of the pool did not affect market value of the home. Prior to the appraisal being completed I disclosed the condition of the pool to the mortgage company when they asked if any part of the home was under construction. Anyhow, they are threatening to decline the loan because of the pool and/or not approving the appraisal.
My acco unt is with CONN 's Furniture. I ha d a payment contract with them after I fell behind in  XXXX   2016 . Starting in  XXXX   2016  I made  two  payments a month of {$200.00} and {$240.00}. The last payment was  XXXX   XXXX  where I paid {$650.00} the confirmation #  XXXX .     I have conta cted CONN 's n umerous times to report my payments they said they would but yet my report still says over 200 days late. Shows no payments since  XXXX   2016 .   The last payment which paid off the account they do not have noted on my account. They were to report my account in good standing and paid in full.   No one seems to know what is happening.
I received a letter fr om Eastern Account System of Connecticut , Inc c oncerning a debt of {$980.00} owed to the creditor,  XXXX . After sending a letter  to Eastern Account System of Conn ecticut, I received a letter from them with a picture of a screen shot showing my address for the creditor service in  XXXX , SC. I never lived in  XXXX , SC. If you do a record search, you can see that I only lived in  XXXX , SC.
I submitted my identity theft FTC affidavit along with dispute letters stating the Section 605 of the FCRA. TransUnion sent me this letter stating they ca n't do anything right now. They are required to comply with my Identity theft block within a week when a police report is submitted in addition to the identity theft block dispute letters notarized. I 've been a victim, and they are choosing not to do their job per the FCRA. I 've attached a photo of the letter they sent me.
Capital Credit & Collections Service , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX A debt originating from XX/XX/2016 with the XXXX XXXX XXXX XXXX XXXX, in the amount of XXXX dollars for a medical service, was sent to collection with Capital Credit. They attempted to charge {$17.00} interest on the debt ... which is illegal, according to Oregon State, as well as Federal law. 

According to Federal Law : https : //www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

According to Oregon State Law : XXXX XXXX XXXX : A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ...

( n ) Collects or attempts to collect interest or other charges or fees that exceed the actual debt unless the agreement, contract or instrument that creates the debt expressly authorizes, or a law expressly allows, the interest or other charges or fees. 


I spoke with the company, who was easily willing to drop the interest, but insisted that it was legal for them to do. 

I paid the {$60.00}, but they should not be lying to people, telling them that they can legally apply interest charges on a debt, when they clearly can not. At the very least, this company should be reprimanded for these unjust and deceptive practices.
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my Bank of America checking account. I filed a police report which has been attached. Bank of America risk department froze my checking account and closed it. I was told by numerous Bank of America employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that Bank of America has reported the hacked accounts to XXXX and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, XXXX, and Equifax. The debt has been paid. The account shows a zero balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
We all know about the XXXX problem. It was recommended that all affected parties ( that 's me ), freeze their credit reports. When I did this with Experian they said Virginia Law requires a {$10.00} payment fee. That really XXXX. It 's not my fault that XXXX XXXX up. Why does Virginia Law require this fee?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX
I have XXXX & XXXX mortgage w/ US Bank . Unlike others I have a much bigger XXXX mortgage than XXXX. When I went through hardship for few years and tried modify my loans several times but my income is high for the XXXX mortgage to consider modification and got rejected ,XXXX mortgage will not even review my modification package without being able to modify my XXXX. So I was going circle very frustrating without being able to have US bank to find someone to look at my whole situation even after several attempts to modify my loans with submitting detailed letter. Their XXXX and XXXX mortgage is like XXXX different banks who does n't care each other or their consumer 's situation at all.Finally had to filed chapter XXXX few days before the foreclosure court date in order to avoid foreclosure from the XXXX mortgage. While my case in the Bankruptcy, Going through same circle and finally had XXXX mortgage to review my file for the XXXX time, but while I was waiting for their appraisal to come through they send a notice for rejection and by the time I received the notice, responding dead line is already passed. That was so frustrating experience, after waiting XXXX years to have my second mortgage to review my file and got rejected for refusal of appraisal while I was waiting for their appraisal set up to go through week after due to their appraisal 's schedual. 
Received their notice passed their dead line to respond. 
THAT WAS QUITE AN EXPERIENCE HOW BAD THEY NEGLECTING ON THIS CASE. 
I even overnight to responds on their refusal but only answer came back was just resubmitted.
I currently owe {$310.00}. They have badgered me with calls all throughout the day, everyday. This account was opened XX/XX/2016.
I received the following message from XXXX XXXX after applying to open another CD ( I currently have 4 open CD 's with this financial institution ) : " Thank you for your recent inquiry. Per your request, I'm able to provide you with the following information. 

We have made the decision to not open any additional accounts. Any pending applications will be closed, and if a funding check was sent in it will be returned to you. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. ''
In my filed complaint BB & T did not answer the following questions. 
How can funds received for on time payment by BB & T get posted and reported as late? See attached XXXX statements. 
1. Explain where did my money go. 
2 Why my payments were not posted correctly to my account as on time payments.
ARSI Account Recovery Specialist, inc. ( KS ) XXXX XXXX. Have violated the fair debt collection practice act by the following.1. they added their own fees and or charges, 2. threatened with sueing, 3. threatened me to pay more, 4.filed a judgement ( garnisment ) without a notification or subpoena when I all ready had a payment arrangement.
Summary - we are distressed homeowners with a short sale in our history ( dated XX/XX/XXXX ). We are eligible for traditional FHA financing 3 years from this date per multiple sources. We contacted Quicken Loans to see when we would eventually be eligible for mortgage financing again. The representative we spoke with ( XXXX ) repeatedly assured us we were eligible for FHA financing at 4.25 % ( with 3.5 % down payment ) with a manual underwriting process immediately. She obtained our credit report in XX/XX/XXXX. XXXX up-sold our eligibility to us and our realtor for approximately one month. When we eventually found a home, and submitted a contract, XXXX asked for a {$400.00} good faith deposit, and an application. Our loan process was then handed off to manual underwriting in mid-XX/XX/XXXX. Immediately, the representative from Quicken Loans Manual Underwriting told us that we were not eligible for FHA financing due to late payments from the short sale in XXXX. This was information available to XXXX since she ran our credit report. Then the manual underwriter sold us on a ARM 5/1 product with an interest rate of 7.325 % with 20 % down payment that I could of obtained from a local broker. At that point, I began to wonder if this was a bait and switch operation, requiring {$400.00} payment before speaking with the underwriters, and upselling a higher rate interest rate product after a home contract had been established ; thereby taking advantage of potential home owners that are emotionally vested in a home. This was simply unsatisfactory. Since we have been declined, I have repeatedly attempted to retrieve our {$400.00} deposit, get an apology for being misled, and obtain compensation for our time, and our realtor 's time wasted over the past month. So far, I have been unsuccessful. Can you please assist? The Quicken loan # is Application # XXXX. 
Sincerely, -XXXX XXXX cell / text ok XXXX
I wish to file a complaint against my mortgage servicer Ditech Servicing LLC for the constant mismanagement of my escrow account and continually sending me registered letters threatening to Foreclose on me, regular mailed letters directed me to get help, all falsely alleging I am delinquent in my mortgage payments. I am not. There actions are causing me and my family great emotional distress. I would appreciate your assistance.
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude.
The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees /  overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.
this complaint is regarding Bank of America credit cards ( 2 ). I had a credit card which had been set up on automatic payments, had a XXXX balance for several Years. I began using it again in XX/XX/XXXX and received my monthly statement with a due date of XX/XX/XXXX and a minimum payment of {$30.00} with a balance of {$2000.00} but did not pay it since it had previously been set up on automatic payment ( all of my bills are automatic payment ). I have these accoutns with BA for over 10 years with XXXX late payments. Today XX/XX/XXXX I got an email that BA had not received my payment and was lowering my credit limit to the amount of my balance on 2 cards, the other card which was not late. I called customer service and made a large payment of {$500.00} today. I also called BA customer service and filed a complaint with the following reasons : 1- their website is difficult to navigate and difficult to set up automatic payments. 2- I had never had a previous late payment with them 3- the decision to lower limit was arbitrary and not based on previous slow credit payments with them 4- the arbitrary decision to lower my credit limits could negatively impact my credit score with credit reporting companies. XXXX there is no " grace period '' or notification that your payment is past due.
I have been an  American Express Gold Cardcustome  r  since   XXXX  , same card that I pay an annual fee to maintain. This is my main card which I have used to pay for everything in my life, many automatic payments including my   XXXX   XXXX    that delivers my suppliment, my mail order pharmacy. Last several months I have different spending history and payment history since I am dealing with some unexpected healthcare issues. I have paid my  XXXX  and have excellent record with them. In the pas t 10-12yrs ago,  when I did  miss one payment I just had a fine and interest to pay   into the next month and that I what I thought might happen now. Remember   XXXX   card, I never changed anything and I have n't applied for a new credit card i n 14yrs.    I had all of a sudden my card blocked from usage around  XXXX   XXXX , because I missed making last payment and had scheduled for next automatic payment for  XXXX   XXXX . I had scheduled for an automatic payment for many things in my life that just stopped.  XXXX  when called said because they see a change in my spending patternd   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    yeh, there is I am in the middle of healthcare crisis, so I am not spending money on vacations or things..but on healthcare, medicine ... etc. They had the gall to tell me this is a system generated process and I have to pay to get that off. In the mean time because I have n't had any recent credit cards or other cards that I can use I had to wait for me to get to the medicine and supplements that I needed. I have several other accounts including my gym membership being cancelled. All because  XXXX  put in a policy or decided to act newly on something old ( was n't there in   XXXX   or they did n't do this to me in  XXXX  when I skipped a month because I was waiting for my tuition reimbursement from job to comethrough to pay off my tuition ). The new policy being they monitor patterns and history. I am not sure if they asked me how far back they should look at my history or if I agree to their new policy since I do work in AI and  XXXX , my history will always be masked in a way that you can not understand me as a consumer. The general and unapproved/unagreed, unconsented actions by  XXXX  on a contract that existed since   XXXX   caused undue harm and hardship to me, my life. Just to move my life forward, I am paying the full amount but I will make sure to transition out of this particular situation. What is there to protect someone like me? I kept  XXXX  as my primary card because of the flexibility they offer and I had paid their annual fee since   XXXX   to present. What a mistake. What a breach in contract and trying to fleece you. Their policy should be looked at and made to adapt their algorithm to allow for people 's life events, crisis events that can change pattens ... like what happned to me and not get punished and really get damaged like me.
Yes the problem is that we have been harassed by this company Action credit XXXX XXXX XXXX XXXX XXXX XXXX ... I was paying the loan payment on time all the time.. Until I was diagnosed XXXX XXXX ... I started getting XXXX .. I'm XXXX and I'm not denying to pay ... My partner went to the store not only that manger laughs about my sickness.. She said we are ungrateful that she gave us the loan.. She said we didn't have good credit. But Reason she's gaves loan was for her to meet accounts goal.. Other XXXX customers complained that she pushes them to renew accounts ... And that I'm lying about my sickness that hurt me so much that they I wish I wasn't .. The manager told my partner she was hiding her from her my partner showed her the pictures where I had XXXX XXXXXXXX XXXX times.. an XXXX XXXXXXXX from doctor ... The manager discriminates on XXXX people.. that's why my partner goes and makes the payment other store ... We have been getting calls from the corporate office harassing us..
I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  XXXX   XXXX   XXXX .  XXXX    XXXX   XXXX   purchased my mortgage from  XXXX  financial.  XXXX    XXXX   XXXX   never advised me that they would be re pulling my credit
Contacted Nationstar. Also contacted XXXX about modification documents never filed with county and transferred to Nationstar
The name XXXX XXXX was added to my Equifax credit report, I can only submit a dispute online which will not be accepted because the security questions now have nothing to do with me so i can not answer them accurately
There is no business record under XXXX XXXX XXXX. There are however many complaints against this company who is now going by the name of Choice Recovery with an address of XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. This company has falsely reported to XXXX that I have a medical account in collection status all in attempts to manipulate money out of me. Since I have no knowledge of their claims I requested a transaction history from our local hospital as well as a transaction history from their billing agency. There are absolutely no records of an outstanding medical bill and neither is there a record of a visit during the timeframe Choice Recovery reported to XXXX. This company has caused the same and similar problems with other consumers. Reference XXXX