WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX 2017, American Express made a decision to limit how I could add funds to my Bluebird prepaid debit card which I have used for direct deposit of my Social Security XXXX benefits for quite sometime. However, they failed to notify me of this adverse action until a letter dated XX/XX/XXXX, 2017. In this letter, they indicated that I was no longer able to have direct deposits added to my account due to " suspicious activity. '' I found out the hard way of this decision at the beginning of XXXX/end of XXXX when my XXXX benefits were not deposited as expected, and I called American Express to learn from a from a representative that this decision had been made on XX/XX/XXXX Apparently the representative was not supposed to inform of this decision. Having XXXX, I know that any adverse action by a bank requires an adverse action letter which I did not receive until after 30 days from the decision and action. This is a clear violation of banking regulations I was harmed by this action because I was UNABLE to get my XXXX as expected on XX/XX/XXXX, 2017. ( American Express is one of the issuers that deposits the benefits payments early. ) I did not receive my benefits payment into my XXXX account until the XX/XX/<YYYY>. 

American Express has been without remorse since this decision. This was a petty and nonsensical decision. How does limiting my ability to have direct deposits from the US government limit American Express 's exposure to suspicious activity? 

AMEX should not be allowed to behave in such a manner!
Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.
I received a letter from First Continental Mortgage Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
First Continental Mortgage and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and First Continental Mortgage are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now First Continental Mortgage is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
First Continental and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why First Continental Mortage and XXXX XXXX XXXXXXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and XXXX  and XXXX and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
First Continental Mortgage, XXXXXXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.
On XXXX/XXXX/2016 I was charged XXXX XXXX $ overdraft fees totaling XXXX $ for charges to my TD checking account. My available balance was XXXX $ and I had a XXXX $ pending charge in my account, which I had time to make a deposit to cover the extra XXXX $ which I did at XXXX on XXXX. I was unfairly charged XXXX $ for charges that were in fact covered because I had the available money in my account to cover them ( XXXX, XXXX & XXXX ) and after my balance was XXXX. TD bank has charged me 5 times the amount that my account was overdrawn for and I think its absolutely absurd! These banks are getting away with charging its customers for fees that are not right and its very upsetting. I am closing my account with TD bank and I will tell everyone I know not to ever bank with them, because they are crooks!
I wish to submit a complaint against XXXX XXXX and there services. I am complaining against there credit scorings system, I am very dissatisfied. XXXX XXXX lowered my credit cards line on two credit cards. XXXX XXXX are reporting false information to the Credit Bureaus due to my wife debt relief program. Her synchrony credit cards accounts are not active. 

Her credit cards accounts are closed due to shortage of working hours. I could provide statements and proof of letters that XXXX XXXX is using false information against my credit history. They are violating my rights. XXXX XXXX are basing my wife debt relief program against me. I have some concerns. These cards are not joint accounts. Here are the following names of the credit cards my wife have with XXXX XXXX   Walmart, JCPenny, XXXX XXXX XXXX, XXXX. 


I have same credit cards but separate from hers. Here are the following XXXX XXXX  credit cards that I have actively opened, XXXX. XXXX and XXXX, XXXX and XXXX know as XXXX XXXX XXXX credit card is at XXXX balance ( paid in full ). XXXX XXXX decided to closed this account without any authorization or permission. I am making monthly payments on the other 2 account with no problems. Keep in mind these credit cards are not joint account but they are using there credit scoring system against me due too my wife debt relief program. They are willfully violating my rights and using my information to damage my credit history and score with the credit bureaus. XXXX XXXX   stated that they do month to month monitoring credit check. I'm very concerned. I never heard banks checking credits on month to month bases. I think they are Discriminatory Credit Card Practices. Please forward my complaint to the right Department or the Consumer Financial Bureau.
I went to the dealership with my own financing, there was no need for them to pull my credit and i did not authorized the to do so. the sales person told me they just need it my social for identity purpose and for only that reason and they were not to pull my credit but they did. I talked to the Finance Manager and he said that it was a soft pull and not to worry, but he liad it was a hard pull and it shows on my Equifax credit report. I believe that this is a wrong way of doing businees and misuse of peoples personal information with out authorization. This business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX.
I was originally contacted on XXXX/XXXX/16 at my place of employment by a XXXX XXXX claiming to be with the PreLegal Dept.with Warner Asset Services and referenced a case number of XXXX. I explained that these calls are unacceptable and not allowed by my employer and that I would call him back on my cell phone. I returned his call at XXXX ext. XXXX however ; when you call this number it does not state the name of the company, location or hours of operation and automatically prompts you to dial a extension number, which I found very odd. I was told I owed an outstanding debt to a company called XXXX over the amount of {$1800.00}. I advised XXXX XXXX that I did not owe this debt and that if this was a legit debt I would have been notified by US Mail, which I have not. He also called my daughter on XXXX/XXXX/16, claiming that I used her name as reference on this so called loan. I requested verbally that he Cease and Desist on calling me at work, on my cell phone and any family members on this debt that is not owed. They are also calling me from XXXX to make it appear that is a local call in the hopes I will pick up. I let it go to my voice mail and it is either a XXXX XXXX or XXXX XXXX using various company names of Warner Location Services, Warner Asset Location Services, Asset Location Services or Warner Assets Recovery. I have found online a Warner Asset Location Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX and also found online XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX. Today XXXX/XXXX/16 they have called my daughter, XXXX my sons, and non-family members from a number of XXXX stating that it is very important that I get in contact with XXXX XXXX over an important matter along with referencing the above case number. I was also contacted at my place of employment after stating that I was not allowed to receive these kind of calls at work. XXXX XXXX was very rude and verbally abusive and stated that I needed to pay up on this debt and threatened to submit a Verification of Employment with my employer, along with taking legal action against me. I have gone to the website of XXXX and have read all the complaints from others who are experiencing the same harassment I am. Apparently they are using illegal debt collecting practices to scare and scam people out of money that is not owed. They have previously operated under the names of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. They are currently not accredited with the XXXX in either XXXX or XXXX. It is very disturbing and alarming that they have tracked down my family members and now harassing them as well and trying to extort money out of me. There is never a Mini Miranda used when leaving a voice mail message or when I have spoken with them on the phone. I have past experience as a Debt Collector and recognize that these approaches and practices are not within the guidelines of the Federal Trade Commission and Fair Debt Collection Practices Act.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX XXXX FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
I contacted Experian after being denied housing due to my credit report. After imitating several disputes and spoken with a customer rep. I requested a copy of the consumer contract of all account that are affecting my account negativity as well as the the companies that have pulled an hard inquiry on my credit without my consent and the customer rep refused to mail it to as well as any other information that would verify that these are my accounts. Or I have given the companies permission to access my account and pull a hard inquiry The companies are- whom are negatively reporting XXXX XXXX XXXX and the actual debt had already been reported once and removed and.now being reported again. 
The customer rep refused my right to exercise my rights according to the la The hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspecified reason XXXX XXXX XXXX XXXX XXXX XXXX- unspecified reson XXXX XXXX XXXX - unspecified reason XXXX XXXX XXXX XXXX XXXX unspecified - XX/XX/16
This company keeps reporting every month on my credit report. I have absolutely no dealings with this company. I have no contract at all with this company. I have tried and tried to dispute the claims of this company to no avail. 

The doctrine of privity in the common law of contract provides that a contract can not confer rights or impose obligations arising under it on any person or agent except the parties to it. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. 

LVNV FUNDING LLC XXXX O XX/XX/XXXX Open {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency LVNV FUNDING LLC Original Creditor XXXX O Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00}
Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry  referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
I have tried to get All XXXX of the credit reporting company to fix my credit. 
I get NO response. Most of report is incorrect. And some was identify theft. 

I have written letters, received all XXXX of credit reports, and sent them my new information, as well as disputed what was wrong for all XXXX. 

No one is doing anything.
Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing me.
I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.
I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX XXXX XXXX, {$3300.00}, XXXX XXXX,  {$140.00}, {$19.00}
After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email.
Experian reports a public record of chapter XXXX petition in which there is no plaintiff, no liability and no status.
I resubmitted my application on XXXX XXXX, 2015 to have my loan reviewed for a modification. I have been trying to reach my assigned representative XXXX XXXX and have not been able to reach her. I received a letter on XXXX XXXX, stating my request was closed due to missing document. Until then, I had not been advised that there were documents needed to complete my request. I would of sent them in had I just been informed.
On XX/XX/XXXX I did one transfer of {$150.00} through XXXX from my Citibank checking account to my XXXX XXXX checking account. The money left my Citibank account right away but until now I didn't receive my money on my XXXX XXXX account. I've been calling Citibank since than and they've told me twice that they would credit the money in my account but until now nothing. Simply, they disappear with my money and don't want to pay be back, it's been 3 weeks already.
On XX/XX/XXXX a supervisor, XXXX XXXX, claimed to listen to the call that I purportedly made on XX/XX/XXXX and made the following comments : " ( Chase ) will not release the recordings, but ( I ) can subpoena them. '' XXXX. This comment was made after I noted that both TILA and Regulation Z require all documentation used to make a decision regarding billing errors. 
On XX/XX/XXXX, Chase wrote " we received your XX/XX/XXXX letter.. However, the letter was insufficient. '' On XX/XX/XXXX Chase now claims that the letter was " not sent to the proper address. '' XXXX. The address to which the letter was sent is listed on a Chase website as a proper address. 
On XX/XX/XXXX Chase wrote " we consider our position to be final and we will no longer respond regarding this matter. '' Chase is refusing in writing, to the CFPB, to comply with both TILA and Regulation Z by providing information they are required to provide.
On XX/XX/2018, I made a cash deposit of {$1900.00} at the ATM XXXX XXXX XXXX, XXXX, NJ XXXX at XXXX. The ATM processed the money, however the machine shut down and said temporary out of service. Then it spit out my ATM card. The funds were not available. I went inside the bank and the representative stated that she will give me provisional funds, however it only put in an investigation status. The Branch manager XXXX XXXX said there is nothing he could do, and that I would have to wait the waiting period. I called the police and they said it was not a crime and it was nothing g they could do. I could file a report. I called PNC retail escalation department and spoke with XXXX and said they can not do anything for another 48 hours. This has put me in a grave disadvantage. I made a cash deposit, I feel they stole my money. 
Also, they cash a check for me and then made the deposit as cash. That also is not available, they couldnt explain why. I made a total of {$2900.00} cash deposit and known of my funds are available.
An associate  XXXX   XXXX  at USAA bank sent to my   XXXX   XXXX   credit card account an after  XXXX  stating that my payment to my credit card were fraud. Which was not true I made them payments and they were legit.   XXXX   XXXX   credit services   sent back to USAA my payments fr om  XX/XX/XXXX  thru  XX/XX/XXXX  the amount of {$1400.00}. USAA have received the funds since  XX/XX/XXXX . U SAA has not return my funds to my account as of yet. I have called and complained for over a year now. No return calls or any contact. A representative from CEO 's office gave me a number  XXXX   XXXX  at  XXXX   Extension   XXXX  that she do n't answer or return calls at all. They asked for documents stating they have my funds and I faxed them   XX/XX/XXXX .That was not accepted they wanted the credit card services to fax it to them and the y did so. This issue has gone over a year. They interrupted my credit card without my permission and without notifying me. Made   XXXX   XXXX   return my funds and kept the money, that is against the law.
Equifax has responded to Complaint # XXXX re XXXX XXXX XXXX, credit card # XXXX, by sending me information to the effect that they will be updating information on account # XXXX, XXXX XXXX XXXX. I have never in my life witness such endemic incompetence in all my life! My complaint has nothing to do with XXXX XXXX. It is all about XXXX XXXX, and their failure to correctly report the status of my credit card account, # XXXX. XXXX XXXX XXXX of XXXX XXXX, advised me that they would be contacting all 3 credit reporting agencies so that this " oversight '', allegedly caused by Hurricane Irma, would be rectified -- they had instructed the agencies to " DELETE '' my account. instead of reporting it " CLOSED '', in good standing. XXXX  XXXX is a XXXX XXXX corporation. I don't understand why they can't get this right! This is very simple. A first-grader could do it. My XXXX XXXX credit card account should now reflect " CLOSED '', with all accompanying 4 year credit history attached to it, not " DELETED '', because XXXX XXXX is XXXX that I transferred their balances to another bank! It's as simple as that!
this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money
In XX/XX/XXXX, a credit card with number ending XXXX was opened fraudulently in my name. This was discovered approximately XX/XX/XXXX, based on a collections letter received from a third party collection agency, XXXX. XXXX was contacted via telephone ; the credit card from a pre-approved letter that was sent back to them from an old address. A police report was filed promptly, XXXX said they would close the account. The delinquent reporting was removed from my credit report. Approximately XX/XX/XXXX, a third party collection agency, XXXX, contacted me stating they had purchased my debt. I sent a letter disputing the debt and asking for additional information about the source of the debt. I also sent in copies of the previous police report, a new police report filed on XX/XX/XXXX, copies of correspondence with XXXX and the original debt collector, and detailed information about my residency. Hearing nothing, I sent two additional copies over the span of three weeks, with the third version requesting return receipt and priority delivery. A third party sent a response stating they purchased the debt and included a single line from an XXXX spreadsheet as proof of the debt. I disputed their proof and filed an FDCPA complaint. The third party removed the credit reporting, but refused to cancel the debt. I sent a response along with the FDCPA complaint, attempted to file a claim as a member of a class action lawsuit, and filed an additional lawsuit which was dropped after a settlement with the third party. About one month ago, I received a communication from Midland Credit Management that falsely, deceptively and/or misleadingly represented themselves in the collection of a cancelled credit card balance derived from fraud and identity theft. Additionally, Midland Credit Management used unfair and unconscionable means to attempt to collect a debt derived from fraud or identity theft. Specifically, the communication offered a settlement on the fraudulent debt, offering a savings on the debt, without stating that there would be tax implications for the " savings '' nor mentioning that making any payment whatsoever on the fraudulent debt would allow additional negative reporting for up to an additional seven years. Having not been disputing this debt for the last 9 years, a lesser sophisticated consumer would not be aware of the negative ramifications of working with Midland Credit Management on this old, discharged, fraudulent debt. I feel this communication, much like the previous communication with the other third party collection agency, violates 15 U.S.C. 1692e of the FDCPA.
XXXX will still not add my bank, XXXX XXXX, or let me mail a check to them for deposit.