WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I contacted American Express regarding an interest charge assessed on XXXX XXXX, 2015 in the amount of {$260.00}. I requested a waiver and the customer service representative told me explicitly that the charge would be waived and would appear on my account within a few days. Despite this assurance, the credit has never been applied. I have called back several times and been unable to get resolution of this issue. 

On the same call, I asked the representative about a discrepancy between my statement balance and current balance to determine what amount I needed to pay to make an on-time full payment ( due that day ). For an unknown reason, my statement balance was approximately {$8000.00}, but my current balance was listed as approximately {$2000.00}. The online system would not allow me to pay the larger statement balance, and the representative told me that I should pay the current balance and no late charge would be assessed. I did this, and despite this assurance, American Express charged an interest payment of {$190.00} on XXXX XXXX, 2015. 

Since then, I have contacted American Express on several occasions to understand the discrepancy in balances and to ask for waiver of the XXXX interest charges. Despite lengthy waits and multiple conversations, I have never received any resolution. On multiple occasions I have been told that I would receive call backs that never occurred. 

I am concerned that American Express has ( 1 ) refused to honor a prior commitment to waive an interest payment, ( 2 ) applied an interest payment after I inquired about a discrepancy and was provided instruction about making payment to avoid an interest payment, and ( 3 ) has been unable to explain the discrepancy between the statement balance and current balance. As a consumer, I should have the right to rely on promises made by American Express and to obtain an explanation of unexplained issues relating to my account.
Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a  representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ...
Now my Credit Score went from XXXX to XXXX.
Hunter Warfield is price gouging. I have attempted to settle the debt. The company continues to raise the price. The first settlement was XXXX then XXXX now it 's XXXX. I paid XXXX to the original debt at XXXX. The company was sold now hunter Warfield is trying to from them and take advantage of my situation. The rent owed was XXXX of which I paid XXXX before I left ( courthe documents prove ). Now, there were clothes on the floor when I left that 's it. Carpet must be changed for each Tennant as per tn state code yet they charged me for carpet. I was actually in my last month of my lease so there were no extra charges. I am willing to pay a fair amount, XXXX is ridiculous expecially since the company no longer exists.
Kohls Department Store-paid off account in XXXX, made a small purchase after on credit card. In XXXX XXXX, my statements were switched to paperless-not be me-with an incorrect email address also. As soon as it was realized, account was paid in full. Told by Kohls for months ( XXXX XXXX ) that it would be updated as it was Kohl 's error, lied to repeatedly, told the credit bureaus were the ones who would n't fix it, etc. Kohls is refusing to remove the one time late payment being reported to the credit bureaus, when it was indeed Kohl 's error.
I was trying to close my account and well Fargo keep charging me overdraft fees twice in the amount of XXXX dollars and I paid my negative balance twice and my balance is XXXX overdrawn and I explain to the banker I paid my negative balance in the amount of XXXX and she waved the XXXX dollar overdraft fee and told me I could transfer XXXX dollars that well Fargo giving me to my propel credit card which I did and the next day I was charged the fee again on XX/XX/2019 and well Fargo is unable to waved the full XXXX feee again and offer a XXXX percent credit which I turned down because I paid the original negative balance in the amount of XXXX and Ive been asking well Fargo several times to close my account and they refused to do so
I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}. 

While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.
I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..
Well I had this loan since 2011 for school.. I'm jus tryna get a lower payment to ensure future payments
I signed up for a credit card offer I received in an email on XX/XX/2017. The offer stated that the American Express XXXX came with XXXX bonus miles as long as I signed up before XX/XX/2017 and spent {$1000.00} in the first XXXX months. I did exactly as I was supposed to but was only credited XXXX. I called in XX/XX/XXXX and was told they were opening an investigation. When I called back they told me the investigation was closed and I was not receiving the extra XXXX miles due to an unspecified " error '' that was not the fault of American Express. I do not believe this is acceptable in any way. They admit the email is real but still wo n't give me the miles I 'm due.
I had back XXXX in 2015 and could not work, received temporary XXXX, a small percentage of my income. I used two credit cards to survive and always made my payments on time. I am back to work and paid off the two amounts on time, same day to pay was the XXXX of the month. XXXX XXXX was excellent, no issues. Capital One received my balance in full as they advertised on the XXXX and by today the XXXX created a XXXX charge, pure interest. This is unfair since I paid what I was told would bring my balance to zero before time, their app literally showed XXXX balance for a week. Capital one employees did not know how to justify their ghost charge, cycles no where else mentioned and will not remove them, thou they were directly asked to remove them.I believe They must clearly state at the pay off page online that balance may be incomplete in order for their action to comply with Fair trading ... I refuse to pay for a charge Capital One adds at will after they received my balance in full. I feel scammed now that I may end up with a bad reference in my credit.
XX/XX/2017 XXXX - I called and talked to the Collection Agency - Hunter-Warfield in XXXX, Florida. This is a wrong amount that they are trying to collect and has put on our Credit Reports for Me ; My Son and Daughter were on the lease for XXXX XXXX in XXXX, Florida. The Management Company they  are under is called XXXX XXXX. 

When we moved out ; we had a bed bug infestation in the carpet and flea infestation. They did not listen to any of the complaints of the infestation ; and instead charged us extra for a carpet stain ; which the carpet already had small stains when we moved in. 

Our next door neighbor moved out and they pulled up the carpet in her apartment and I believe the bed bugs and flees in her apartment came through the walls to our apartment. 
These apartment buildings take no claim when they do wrong but like to pass on to the tenant for the problems the whole complex was dealing with. 

I will pay {$400.00} but will not pay for carpet that was infested while we were there!!! 

I want this collection removed from my Daughter 's, Son 's and My credit bureau file as this is causing problems of trying to get another home ; or buying a home!!! 

They are still adding interest charges to a collection ; I believe they are not supposed to do that if it is in Collections making the collection larger and larger.!!! 

THIS IS NOT RIGHT TO DO TO THE CONSUMER!!! 

PLEASE CHECK INTO THIS FOR ME PLEASE!!! 

HUNTER AND WARFIELD - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX fax - XXXX telephone no. XXXX or XXXX!!! 

Thank you for all your aid in this unscrupulous endeavor and behavior on behalf of the Apartment communities out here in the Country. Unethical Collection Practices on their tenants on move-out!!!

Financial Ruin of tenants to get other places to stay by putting on credit reports as open Collections!!!
There is a tax lien for XXXX dollars that I do not have or owe. I have not received any notices or any documentation from the state or city of a tax lien. All my taxes are current, I do not owe any back tax money.
I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I  called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three  months and missed payments on a number of bills due to this issue
I recently refinanced my mortgage through XXXX XXXX. That part was a great experience. After 3 mos, they transferred the servicing to Seterus, Inc. WHAT A NIGHTMARE IT HAS BEEN EVER SINCE!!! 
First, they unnecessarily, without my knowledge, added flood insurance to my loan causing my payment to increase. Let me emphasize, WITHOUT MY KNOWLEDGE. I only found out about the added insurance when I received my annual escrow analysis. When I contacted them, to have the insurance removed, as I pay for flood insurance through my XXXX, they made me jump through hoops, but I finally got it removed. Seterus still required me to pay the increased monthly payment for 2 months and I have not seen that money returned in any way. 
Secondly, I have never been late on a payment. As a matter of fact, I pay, through my banks automatic bill pay, on the XXXX of the month, for the payment due the subsequent month on the XXXX, just to make sure it gets to them on time. Since the Insurance fiasco, they have, for the past 2 months, sent me letters, along with phone calls that I am late! I have sent them proof of payment from my bank. In addition, I have been on the phone with them at least XXXX times regarding this situation. The last time I was told by the representative that she has not idea why they keep contacting me as she saw all my payments and told me that a " ticket '' has been open for several weeks to correct the problem and " was n't sure why it has n't been corrected ''. I am at witts end with this organization. It appears that one hand does n't know what the other is doing. I can assure you, I am not alone. Just XXXX Seterus and read about the complaints! Please I need your help!
I disputed multiple accounts online with Equifax on XXXX/XXXX/17. As of XXXX/XXXX/17, the investigation is ongoing. This exceeds the 30 days provided by the Fair Credit Reporting Act.
I am writing to you to find out how you can help me. This company is reporting an account on my credit report as being in collection, but the account doesnt belong to me. Ive never lived in XXXXIve always lived in XXXX XXXX, yet this account is showing up in my credit history. I contacted the company, and they alleged that the account is mine, even though it isnt. Ive never lived in that state ; Ive always lived in XXXX XXXX. Also, I informed the credit reporting agencies, and XXXX removed the account from my report, but XXXX and XXXX refuse to remove the incorrect information. I hope that you can help me, because I filed another complaint with the FTC. I have included proof that XXXX removed the account from my credit report. But XXXX and XXXX refuse to remove it. I dont know very much Englishif I didnt give the correct answer to the question for the complaint that Im filing, please excuse me, because I dont know English. Im doing what I understand. Thank you. I hope to receive your help as soon as possible.
I visited the emergency room at XXXX XXXX XXXX XXXX, incurring a bill w/them & the ER " doctor ''. Could 've sued for malpractice. Would have died if I 'd followed doctor 's advice & so walked out. REFUSED to pay the bill. XXXX has sent debt to numerous collectors, all who call, I send letter saying cease/desist, it gets sold to another collection agent. This has gotten OLD. Tonight 's call from Southern Credit Adjusters needs to be the last one. They need to take it off my credit ; it should be illegal for them to pursue me for this debt. Services were NOT rendered because I refused them - if I had accepted them, I '' d be dead.
Where do i get started. My father has recently passed on XXXX XXXX 2016, and during my dads funeral services my wallet went missing, and i noticed the next day and noticed {$200.00} was taken out my account, but how? I then call bank of america to report my card lost or stolen and put in a claim for this money they stole from me, and how they got my pin is crazy, they must f been standing behind me at an atm at the time of the funeral, and that is petty and sad just like bank of america! They declined my claim for what reason I do not know, and its sad, because I never try to claim anything or go through this broken process with these banks. But my dad just died and all these expenses left behind fall on me and I am in ruins right now! I would n't be claiming anything false, and the money was taken at a store atm, when i only use bank of america for just that " security ''! I am very disappointed in the way bank of america handled it and denying me for {$200.00} that is much needed to get my dad funeral expenses paid. I am so disappointed that I will be seeking a new bank soon, because it is sad that a huge bank like them cant help in your most time of need!!
Received a call from XXXX XXXX stating that they are collection from XXXX ( Delbert Services ) and I oweXXXX. They have called XXXX, home, cell and now work, which I work for the Federal Government. 
XXXX my cell, XXXX, brother-XXXX and now my work number XXXX. Request information about the company and she refused to provide any information she started yelling at me so I hung up.
SECOND WRITTEN REQUEST asking you to remove the unverified Collection listed that remain on my credit report in violation of  15 U.S.C. 1681. You are required under the FCRA to have properly verified  the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  XXXX  as,  1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate.  '' 2 ) T o confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification  as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged account  ( s ) and all that has ever transpired for the alleged account ( s ),   under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that,  Consum  er Reporting Agencies  bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4  ).     You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section  611 ( 5  ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liabil ity and the remedy available to me for negligent noncomplianc e ( Section 617 )  if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I dema nd the following accounts be verified or deleted immediately.
I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract ( attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies inXX/XX/XXXX. 

This has been harming my credit history, profile and score since then.
In Key 's response to my CFPB complaint, it purported that an explanation was provided to address your concerns. " Concerns '' are not the real issue. The larger issue is Key 's exportation of liability through Keys off-shore call centers. This apect continues to be dodged by diverting attention from the only documentation trail discoverable by the consumer : salient call-records.

In this case, Keys call records will evidence the fact that when Key was called regarding a payment plan, I as most consumers, had no knowledge of a so-called re-age plan and none was proposed. Instead a loan-modification agreement was described, discussed in detail and agreed to including the previously detailed credit resolution itemized to the CFPB on X/XX/2017. This conversation was documented and has been provided to Key on numerous occasions including dates, names and locations of the Key employees directly involved. Key initially agreed to, but failed to provide the agreement in writing and after repeated requests by phone and email, refused to write or email altogether. The loan modification agreement and other terms of the arrangement were subsequently re-characterized by Key personnel with different phrases including the re-age description. 

Instead of diverting from this issue with voluminous documents, ( about 100 pages to date ) it would be more to the point to provide the recorded records of the actual conversation. This would also clarify the failed funds transfer and the ensuing explanation by Key regarding why the woman taking the request did not hit the submit button also detailed on X/XX/2017.
I looked on my XXXX credit report and noticed a repossession from a company called Credit Acceptance, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it
According to the law section 809 of the FDCPA ; XXXX XXXX XXXX XXXX, XXXX, SC XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.