WillisBack/dataset-financial-user-claim huggingface dataset:
I am a cardholder with American Express for 12 years. My account has always been fully paid during that time and there have been no previous issues. Out of the blue, I get an email from them that my account is under financial review and that they will cancel it if I do n't respond within several days. There was no prior warning before this email. They also put an immediate hold on our cards, again without warning or explanation, for the length of the review process, which I was later informed could take up to 7 days. So in essence, no credit card use for up to 7 days without warning on a fully paid account in good standing. They also would provide no details about why the review was taking place, why it had to happen now and not at a time of mutual convenience, or why the card could n't be used during the review process. I was able to negotiate an " allowance '' to use the card up to a certain dollar amount, but the representative was very clear that this was unusual and normally the account would be totally locked until the process was complete. The call also took up an hour of my work day, between trying to get information from them that they would n't provide, insisting that they clearly explain the review process and its consequences ( which they would not do ), and answering their financial review questions over the phone. This does not include time spent filing papers with them to support the information I gave them. Again, all this would be potentially be normal if there was some warning, if the account remained useable, and if a reasonable timeframe were provided. As it is, I was under threat of losing my card if I did n't respond ASAP and the card was locked until I responded and until they confirm my information with the IRS. If I had been traveling or the like, all this would have happened without warning and without any opportunity to fix it. They seemed totally unconcerned with the idea that this practice could put their cardholders in serious jeopardy, not to mention the intense inconvenience. To reiterate, I am with American Express for 12 years without issue and they consider this type of action to be completely within their rights. 

Last point - Amex claims to have tried to reach me by phone before sending the attached email. No phone call or message was received by me or anyone else on the account. Even so, the lock was placed on the account at the beginning of the review process, irrespective of the phone calls.
NationStar or " Mr.Cooper '' is the service company - Loan # XXXX. At end of the foreclosure process - they sent notice of the Service Member paper work indicating that I was not a service personnel and the next notice I receive is that on XX/XX/XXXX summary judgement was issued. We were waiting for the court date and were not notified so were unable to send our new attorney to request a short sale since we believed we had used up all our legal options. 

Our original attorney since XX/XX/XXXX - XXXX XXXX - had withdraw from being our attorney in mid - XX/XX/XXXX. The bank 's foreclosure attorney had that information since they were in court. 

When I called NationStar aka Mr. Cooper and spoke to customer service last week I was informed that they had gotten statements back back that were sent to Attorney XXXX but had not called me to find out if something had changed. They told me that the foreclosure department does not " talk or communicate '' with the customer service department. They were fully aware of all that had transpired - court date, sheriff 's sale date - so someone had told them this information. One of the agents I spoke to told me that they had called the attorney back in XX/XX/XXXX but had not called since because they had gotten busy with " hurricances and floods ''. I asked to have the issue escalated and spoke to another agent that gave me an email to escalate my concerns to - XXXX. I sent an email this past weekend and have not heard back from anyone. 

We want to be given an opportunity to do a short sale instead of having a foreclosure on my record - they told me to go via XXXX but that they could not guarantee that I would be given time to do the short sale. As you know, there is a lot of paperwork involved in doing a short sale and putting it into XXXX. I know since I am also a XXXX XXXX XXXX who has done XXXX XXXX for my clients since XX/XX/XXXX. 

I would like Mr. Cooper to give me a chance to do the short sale - a minimum of 120 days to list the home, get a buyer and submit the necessary paperwork. 

Just because I was not notified of the final court date and the sales date was escalated some how in one of the largest counties in the state only adds to my curiosity on how they managed to do this. 

My reach number is XXXX - my email is XXXX Any assistance would be appreciated since Mr. Cooper does not seem to want to respond to me at this point. The property is finally at least at market price. My son and his wife have lived in the unit and will also need additional time to leave if the court date can not be stopped for some reason. Thank you!
Wells Fargo XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

In addition, Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

We have seen these XXXX issues on ALL of our short sales on MINORITIES with Wells Fargo. They will NOT do an interior value, and they will NOT provide a copy of the XXXX. We would be happy to provide information on this to the CFPB to add to their case against Wells Fargo. 

We are tired of hearing from Wells Fargo that their legal department does not have to comply with federal and state law. Their legal department said its ok to open XXXX XXXX fake accounts ... and look where that got them.
PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account.
5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
I have some concerns about the information that XXXX XXXX XXXX ( XXXX  ) is keeping on their website. I was surprised that they are using security questions that are not appropriate. They are using information about me that were not provided by me. I have done business with the company for several years sending money to my family in the XXXX, but have been really concerned now about how much data they have about me. I would like that this company, XXXX ( or XXXX XXXX XXXX ) to remove all information about me on their servers. I do not intend to use their service any longer. Thank you.
I was a student at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I accumulated XXXX of debt in student loans. This school flat out lied to me. I was under the assumption it would have been less than half of that since I had a lot of credits that transferred, not to mention this school promised me job placement, which they did not! They told me I would be making a lot more than what I do. They gave me false information. The only thing this school did for me is put me in tons of debt and lied to me. I am a single mother of XXXX  and was so excited to get my degree. Until I graduated and realize how much they lied to me. The school is now shut down. Can I get these loans forgiven due to being lied to and given false information that basically pressured me into enrolling. If I would have known that my student loans would have been this high. I would have just stayed at the XXXX college where I did my prerequisites. I feel like I fool that XXXX had done this to me.
Trans union continues to verify several debt as accurate with out providing proof such as a sign credit appl, load prepayment agreement or loan documention and have fail to comply with the federal FCRA
I am having trouble with XXXX XXXX and how they reported to the credit bureaus from XXXX. We had an agreement with XXXX to make fixed monthly payment on one of my accounts. I followed the agreed terms faithfully and made on time monthly payments. They however reported to the Credit bureaus that I was over 120 days late for the period in question. Attempts to speak with someone at XXXX have been futile with every rep saying that the time frame in question is too far back and they can not verify this information. The information they sent to the bureaus is wrong and they refuse to correct it. This has greatly hampered my ability to get favorable terms when I apply for credit.
3 inquiries were done by Capital One Auto Finance on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I recently discovered the unrecognizable Inquiries on my credit report and called the number listed on my credit file ( XXXX ). They answered and told me to call XXXX. I called XXXX  and they stated I needed to call them to get a letter of deletion and I told the XXXX rep that I already called and they didnt have the proper information to verify the inquiry. The XXXX rep told me to file a complaint.
This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters.
I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.
State Bridge Company, LLC is a Loan Servicer. My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to State Bridge Company LLC. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. <P/>I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from State Bridge Company, LLC. <P/>You can XXXX them and see the negative reviews from others..
Someone from Hauge Associates called my work number claiming that I owed a debt. I do not have any debts, and the person, XXXX, claimed she never called me.
Macy 's Department Store charges interest even when a purchase is paid in full. This has happened on XXXX occasions. Both times, when I 've called, they have removed the interest charge, but clearly this is an automated part of their process. The creditor is Department Stores National Bank.
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with Transunion, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still  remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
I am submitting an official complaint about Equifax. They have been delinquent in their responsibilities to protect my financial information. I have come to learn that time after time they have ignored attacks on their systems and choose instead profit over installing electronic protection of my data. In addition, the executives of this firm have profited on this negligence by selling stock, once they learned of the massive breach and before the information went public. I have no control as to these credit reporting companies obtaining my sensitive information and the lack of security they use to protect it. Consumers need more protection. The executives of Equifax must be prosecuted. They are no better, actually they are worse, than the criminals that stole my sensitive information.
Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.
I had a loan with XXXX had problems and stop making payments then contact XXXX to work a solution got offer a trial period finish 6 month trial period and no answer from XXXX about loan modification transfer to Green Tree where I was offer a loan modification where my principal increase in over {$140.00} and the interest increase to 6,125 % no answer from Green Tree about what program was used for my Loan Modification. I pay 18 months and after the 18 payment got inform that my taxes for 2 tears where not paid hard to understand since the 2 years in question where not consecutive my payment was increase in the amount of {$1200.00} a month making my payment from {$4200.00} to {$5300.00} ask the bank to review this new numbers and I was advised to continue making new payments till they work something out to return to the original payment which was almost % 50 of my income. nothing happens for few months and suddenly Green Tree said for me to make a payment because they have arrive to a new terms for my Modification That was a LIE they just closed for business and open with a new name but send a letter telling me that nothing change. at this moment I hire an attorney and initiate a loan modification submit paperwork many times and after 10 months My modification got denied BECAUSE the loan was past due more than 6 months After this attorney I have file 3 more modifications with 2 different attorneys and one with the HUD help, my last denied was last week they did not display the new guidelines for the denied just said that the new P & I its higher than old P & I Consistently XXXX green Tree and now Ditech used the same tactic delaying the paper work and denied the modification I see consistently I have Not received a fear treatment and after many attempts to solve the problem they have not respond in a way beneficial for both parties. 
I have copy of all documents from XXXX to green Tree to Ditech if necesary
I never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.
I was in the process of purchasing a car for my daughter & I got pre approved by XXXX XXXX ... I contacted two dealerships ( XXXX XXXX in XXXX & XXXX XXXX XXXX ) & forwarded my pre approval with XXXX XXXX but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with XXXX XXXX ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only one  that should appear would be XXXX XXXX & XXXX ( my credit union ) which I applied with before I got my pre approval with XXXX XXXX. TD AUTO, XXXX XXXX, XXXX XXXX & XXXX XXXX should have not ran my credit ... I have attached the emails between the two  dealerships showing they knew I had a pre-approval through XXXX XXXX ... Please have them delete these HARD inquires of all three  credit bureaus ... Greatly appreciate it ... Thank you ...
I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX    XXXX   account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX   XXXX  statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?
My wife and I, along with our  XXXX  children, were tenants at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL for a period of approximately  XXXX  years. We vacated the apartment at the end of our lease in   XXXX   XXXX       We paid all of our rent when due, and complied with all of the terms and conditions of the lease. When we moved out, we asked for a " walk through '' but were refused.  XXXX   XXXX   XXXX ,  XXXX , the landlord, some weeks later sent us a notice for {$580.00} for damages that do not exist. They collected no security deposit if there were a security deposit they clearly would not be allowed to withhold from it under the  XXXX   XXXX   XXXX , which permits reasonable wear and tear. Instead they have hired a debt collection agency to harass us and are threatening to damage our credit if we do not pay them the amount they claim we owe. The photographs they claim show damage do not show anything obvious, and certainly not {$580.00} of damages.  XXXX  of the photographs actually shows a clean, empty apartment. They have no photographs of when we entered the apartment, to my knowledge.     I suspect this might be part of a pattern. A landlord threatens collection against tenant. The tenant is afraid of damage to credit and pays off the landlord to go away, even though the charge is unfair. Many tenants hope to become homeowners.     Credit ratings have a lot of power over people, and landlords and debt collection agencies should not be able to report debt that they can not prove to credit bureaus. If it were unpaid rent, that would be obvious in the lease. This is highly subjective, and they do not have the evidence to sustain a breach of lease claim.
Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.
After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred.
I requested a replacement card from Rush Card on XXXX, and was told it would take 7-10 business days. As of the XX/XX/XXXX. I still had not received the replacement. I contacted them again on the XXXX and was told they would send a card through expedited XXXX. It was supposed to take one to two business days, which would have been Friday the XXXX. I have repeatedly called and and am left on hold for hours only to be hung up on! I have been a customer for over four years with this company, but at this point I must want access to my funds. I am unable to make any purchases of any kind. I have a medical condition that requires medications daily and am unable to purchase. I contacted the XXXX office Friday XXXX XXXX and was told there was no package sent. Through them, but Rush Card insists it was mailed! As of Saturday XXXX XXXX I still have no access to or a replacement card for my account.