WillisBack/dataset-financial-user-claim huggingface dataset:
My XX/XX/XXXX statement from Barclaycard Visa had a balance of {$770.00}. The full payment to pay off the account was mailed in before the due date however the payment didn't post until two days after the due date. I flew to XXXX XXXX on XX/XX/XXXX and was out of the country for 2 weeks and my put the payment in the mail then. On my XX/XX/XXXX statement it shows i was billed a late fee of {$27.00} and a finance charge of {$11.00}. I called in to request the fees to be removed and was told it would be. then on my XX/XX/XXXX statement, I was charged a {$37.00} late fee and interest totaling {$1.00}. I mailed my payment of {$200.00} for a purchase and wrote a note telling barclays they can either remove all the fees or close the account. They sent back a response saying they are unable to complete my request.
My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/XXXX ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
This is a complaint against American Express, for several reasons to cite :1 - discrimination. 
2 - Disrespect. 
4 -XXXX promotional information on their services. 
This is a card unicamnete service for people to demonstrate for them and demonstrable revenue soaring with the IRS and bank intuciones. 
My case is as follows my will approved me a gold card services one week after use without warning decided to block the card because they believed that there was a fraud, go MADE ME shame to waste my time and do not value them, go to a bank where I have account, receive a fax from them and having to send all the documentation needed to verify my identity, from XXXX passport and driver 's license to test direction and these had to be notarized by the banking agent, because their views could be false and fax sent from the Bank. Disrespect, discrimination. 
However continue gave them the requirements, but as this was insufficient for them, the second week demanded me I had to pay off the card because he had reached the limit of what they can spend and consider that if he did not in my 3 days block serious card. 
Break the rules, the monthly payment is not quinsenal. Liars. Mislead consumers with their promotions. 
OK. I made a payment within a month to avoid interruption, now I block the card because they need to check with the IRS if I make money or not, because they do not feel that I will be able to assume this responsibility. Disrespect again. n a nutshell is XXXX alerts to me say I can not be part of its elite because I have no money according to them, discrimination, and as the only way they know if I have money is figuring out my life with the IRS
I recently received a phone call from XXXX. The company name is Benuck & Rainey. I was told it was for medical equipment from XXXX XXXX I had in XX/XX/XXXX. I advised that I had not received a bill for the {$80.00} they said I owed. I also explained that my address had changed but she did n't seem interested in correcting my billing address. The person on the phone became rude, argumentative, talked over me. etc. I explained I would not verify info over the phone and asked them to contact me via mail. I tried my best to treat them exactly as they treated me, so I was n't nice. After disconnecting the call I immediately began receiving hang up calls from them. They also called me from another number XXXX. Reverse phone search revealed this is the same company. This all started onXX/XX/XXXXat XXXX XXXX. In addition I received several call with the caller id blocked which appeared as " UNAVAILABLE '' on my caller ID. I called back and spoke with someone who stated she was a supervisor. She basically said I was a liar, and she was sitting with the representative. I told her I did not intend to conduct business with their company and asked for all correspondence to be via mail. I received another call today and was told by the representative that the company had 20 phone lines and would continue to call me. When I receive a bill, I will be happy to consider payment, not until.
Portfolio Recovery Services calls me repeatedly. I have asked on several occasions that they only contact me by mail, yet they still keep calling. More than XXXX caller has been aggressive and threatening. Some callers are evasive about telling me what company they are calling from and why. Every time they call I say that I have requested to only be contacted by mail and I have been told " apparently that did n't work '' and " you 're in a lot of trouble '' etc. I do n't recall receiving anything from them in the mail so I do n't know what debt they are calling about and I do n't trust them. After the way that I have been treated by some of their collection agents, I do not feel comfortable sending them any money. They are clearly not a professional outfit and I can not trust anything they say unless I have it in writing beforehand.
THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX
On XXXX 2015, I was forced to pay a Judgment that is reported by a third party for {$1800.00} to XXXX XXXX XXXX, On XXXX XXXX, 2015, I sent a copy of a cashers check and a letter from XXXX XXXX XXXX requesting to Experian requesting to delete or update my credit report. Experian refuses to update, or delete on my file regardless of my request, letterhead by XXXX XXXX XXXX " requesting that to delete it on my file as per request by XXXX XXXX XXXX ''. I 'm unable to rebuild my credit, this on going issue is causing my family financial injury " injury as I 'm unable to have my name added to a mortgage '',
I co-signed a 30 year mortgage loan with XXXX for a friend in XXXX in the amount of {$170.00}, XXXX. 
A few years later I signed a quick claim deed because she said if I did not sign the quick claim deed she would default on the loan. 
She ( without my permission or knowledge ) re modified the loan in XXXX for {$110.00}, XXXX based on her income only because she was unable to make the payments. This modification decreased the amount of the loan XXXX and increased the years of the payment. 
She has remained delinquent in her payments. 
In XXXX of XXXX the loan was taken over by Carrington Mortgage Company. 
She has remained delinquent and to date owes XXXX in overdue payments. 
I want my name taken off the loan agreement. I have discussed this matter with XXXX XXXX to no avail. I have contacted XXXX and Carrington Mortgage Company with also no resolve.
I never lived at the adress XXXX claim I had service at it been living in XXXX since 2007 I never moved back XXXX
TRANSWORLD SYSTEMS has inserted an account in the amount of {$260.00} representing XXXX XXXX XXXX. XXXX. I have never had any business or obligation with TRANSWORLD nor XXXX XXXX XXXX XXXX .NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed TRANSWORLD SYSTEMS of this status. TRANSWORLD can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. TRANSWORLD has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After th e 2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
American Express fraudulently, knowingly after many, many complaints from   XXXX   XXXX   XXXX  . American Express intentionally located an old American Express that was included in a Bankruptcy   XXXX   implying that it has been active since  XXXX .
I am also a debt collector, recently I called Remit Corporation which is located in XXXX, PA. My husband has a supposed bill there from 2007 that has a judgement placed on it by XXXX County XXXX A woman named XXXX who works for Remit has been harrassing us about this bill. While on the phonr with her, I informed her that anything over 7 years old can not be on Credit Report unless recent payments are being made on it. She told me that obviously I have not been doing my job very long because I have no idea what I am talking about. In no way, shape, or form are you allowed to speak to a debtor or a debtors spouse in that manner. Remit has no idea what the bill is for. XXXX just keeps explaining to us that we owe over {$600.00} or there will be a Sheriff Sale on our items in our home.This is totally not right and definitely against FDCPA laws!
I fell behind on my mortgage payments for three months due to identity theft, and then loss of income. I started worked with a Housing Counselor to help me avoid foreclosure. With her help, we completed a Loss Mitigation packet in XXXX 2017. She also helped me complete an application for Hardest Hit Funds, but XXXX XXXX XXXX will not accept them, despite attempts to get them to participate in the program. It is now XXXX, and I have never received any paperwork back from XXXX XXXX XXXX. Someone did come to my home in XXXX or XXXX to post a notification that I needed to bring the loan current, or I would lose my home. I have continued to make on time payments since missing those three months, and they are accepting my payments. When I call the company to discuss my situation and ask for an update on the Loss Mitigation packet, no one answers and I am forced to leave a message. My Housing Counselor spoke with the Loss Mitigation Manager and he agreed to a scheduled phone call appointment, but did not call and will not answer our phone calls. We have tried all phone numbers we could find, but we are only able to leave a message. I did receive notice on XXXX XXXX, that my mortgage payment is going up due to escrow shortages/tax increases, but I have not received anything else referencing my Loss Mitigation packet. I am concerned that I am close to losing my home, or that a sheriff sale has already occurred without my knowledge. I have XXXX children and do not want to lose our family home of five years. According to my Housing Counselor, XXXX XXXX XXXX is not following foreclosure guidelines.
{$5.00} Maintenance fee was charge to my accountant monthly they said because I did no have over {$300.00} in my account this happens on the XXXX of each month. But XXXX just came in and I have more then {$300.00} and they charge me another fee. They would not remove my fee this is Bank Of America.
It appears that CREDENCE RESOURCE MANA is trying to collect a debt for XXXX for the amount of {$550.00} this is not my debt and they are still to collect money from me that I do not owe I have repeatedly try to talk to XXXX about this debt and it is repeatedly showing up on my credit report, no one has sent me any notice about this debt yet they will not take it off my credit reports. It appears to return on to my report every so often. This is not my debt I have asked for written validation as to this debt in years past and none was given and it is causing me to not be able to get my credit fixed so I may purchase a home. They are creating a big problem in my financial life.
I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
In XX/XX/XXXX ( Between XXXX ) I ordered a XXXX XXXX XXXX XXXX from XXXX costing {$2200.00} for the machine and an additional {$240.00} for In-Home set up of the treadmill. XXXX gave me a Discount of {$120.00} which they later Credited my Account because that supposed to be part of the Special. 
Initially, I thought my payments were to be deferred for One year and thereafter Interest would began to be charged to my account is what the representative that handled my call told me. Not to mention in the beginning dealing with XXXX Reps I had my share of receiving conflicting information from them. Poor Customer Service relations from them. The experience alone should have prompted me not to do business with them and send the equipment back. However, I kept it and believed all would be successful moving forward. To my dismay that has not happened I Never received a physical credit card from the Company XXXX that financed my XXXX XXXX XXXX  from XXXX. I only receive Billing Statements and can access my Account on-line. On XX/XX/XXXX, I called XXXX and spoke with XXXX and questioned her about my Interest Rate charges and she told me that the charges began six months after I purchased the machine. I told her that was unbeknownst to me in the beginning. 
I called XXXX Billing ( XX/XX/XXXX ) to get the correct amount for APR, I was told 26.90 %. XXXX shows on paper that Ive only Paid {$150.00} Year-To-Date in Interest Fees for XXXX. However, I have Paid {$360.00} in Interest Fees. I am unsure how much in Interest Fees I paid in XXXX because when I called to inquire about such data I was told by the Representative ( possibly XX/XX/XXXX ) that he could not access that information and he could only go so far back into XXXX which was XXXX out of that year. I have Never heard of a company not being able to furnish a consumer any of their data or documentation to support facts about their account I no longer have the original bills of XXXX for XXXX, XXXX, XXXX, XXXX XXXX. Thus far, I have Paid {$1100.00} in payments year-to-date XXXX. Paid {$980.00} for XXXX. 
XXXX practices of the on-line system the Pending Status, Balance After Payment or Payment Deductions are lacking tremendously. It never is consistent. Either, I can not see what should be posted or the Balance seemed to keep being elevated and never seeming to be lowered after all the money I have paid toward the machine. I only have missed a total of 3-4 on time payments. I pay more than the Minimum on several occasions because I thought I would see a Decrease. I called them on this in XX/XX/XXXX and told them I was utterly upset and I would seek to have someone look into this further for me because I had had it. A few days later I went on-line and was able to access the Balance to the Account. I feel XXXX Business practices have been Deceptive and Fictitious starting with XXXX the company that starts the initial set up for XXXX XXXX.
Hello I have had this Lady named XXXX call me repeated amount of times and also contacting my job looking for me on multiple times throughout XXXX and XXXX of 2017 trying to collect for a student loan, Harassment is what its turning out to be collecting Debt. She works for XXXX XXXX XXXX calling from phone number XXXX XXXX XXXX XXXX.
I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling three way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in 2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for Evans and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the Evans law associates and the XXXX has XXXX complaints against Evans Law Associates
XXXX had corporate policy that the patient would never have out of pocket expense they would only bill the insurance company. XXXX submitted a charge to my insurance company the insurance company then requested some records from XXXX to verify coverage but never received them and never paid the claim. ( XXXX is no longer in business ) I was contacted by Monterey Collections XXXX XXXX CA. XXXX XXXX XXXX XXXX claiming I owed them for the service. I replied within 30 days of receiving their notification requesting validation of the debt and other questions. After receiving the request they have not provided the validation and continue to send notices. 
Copies of correspondence available on request
5 years ago, when I was supposed to start making monthly payments on my private student loans. I called them and explained that I can not afford the monthly payments. I simply do n't have the money. I offered to pay what I could, {$100.00} a month, and they simply denied it. I gave up and my loans are now in default, and have been for some time. I was hoping my employment situation was able to get better and it has n't. XX/XX/2013 I had to declare bankruptcy. Since student loans are not able to be discharged, i was stuck even though I could n't afford them. Now it has gone to the litigation department and i still want to try and wotk out a payment of {$100.00} a month because thats all I can afford. I called them and am still waiting to hear back. I am making monthly income based repayments on my federal loans because they understand my financial situation. I do n't know what else to do.
The account is reporting on my credit report but is not my account. It 's not even my name on the account. I tried to talk to the company and the first gentleman got aggravated and starting talking over me and told me to hold on, and then his supervisor got on the phone and she said I needed to file a dispute and allow 72 hours for dispute process. I have n't had an XXXX XXXX XXXX account. I 've had XXXX for years.
I have been working through the red tape presented by Fifth Third Bank as the Mortgage Company, insurance checks were issued to Fifth Third Bank and us as the homeowners. Upon receiving the insurance checks, I notified Fifth Third Bank and asked for guidance on the necessary steps required to assure a smooth transition of endorsing the checks and making payment to the contractor. 
Upon receipt of the final settlement checks, I received notification from Fifth Third Bank of additional documentation required. All requirements should have been disclosed by Fifth Third Bank during my initial inquiry. Much of this documentation could have been provided months ago to assure no delays in making final payment to the contractor. Two months after the job was completed to the satisfaction of XXXX XXXX and myself, I have been presented with additional requirements which are causing further delay of final payment to the contractor. 
It is understood your need for the insurance estimate details and the Contractor 's work order which outlines the work to be performed and materials necessary to complete the job. However, it is unacceptable to require an inspection of this job be completed by an inspection company of Fifth Third Bank 's choice, at my expense. XXXX XXXX has verified completion of the work performed, to their satisfaction, with a final inspection at no cost to us the homeowners, for which they have made payment. 
Fifth Third Bank is now interested in working with me " to ensure that my home is restored to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company will be able to demonstrate that the work performed on my home restored it " to a condition that is equal to or greater than that which existed prior to the loss ''. Neither Fifth Third Bank nor its chosen inspection company assessed the damages to my home prior to the contractor beginning the job. The only thing that Fifth Third Bank is able to assure is payment to their chosen inspection company, at my expense. This is absolutely unacceptable. 
I 've requesting that Fifth Third Bank waive the need for an inspection, at my expense. There will be no basis for which this inspection could possibly demonstrate the before and after state of my home. To ensure that the work being performed on my home was of quality craftsmanship and done to the specifications of the estimate, I monitored this job by being on site and visible. This required me to take time off from work, at my expense. With that said, Fifth Third Bank is welcome to send an inspector of its choice, at its expense. 
By pursuing an inspection at my expense, a formal complaint with the Consumer Financial Protection Bureau will be filed.