WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to get a refund of a Moneygram money order that was partially cashed at my bank. This is a process that I started XX/XX/18, and still not have resolved. I only received a credit for {$60.00} from a {$990.00} money order when I originally deposited this money order at my bank account with XXXX XXXX XXXX. Since I no longer have an account with XXXX XXXX XXXX, they can not credit me the remaining {$930.00} left on the money order. They say that Moneygram needs to make me whole by issuing me a refund for the remaining balance. I agree with this. 

I have made numerous calls to Moneygram customer service through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also been in contact with their corporate office. On XX/XX/18, a person named XXXX from corporate told me I should expect a refund from XXXX  XXXX XXXX. I have made 4 followup calls with XXXX and left messages, and I never once got a callback. XXXX XXXX XXXX tells me they never heard from Moneygram and don't know about a refund. Moneygram has also sent me 3 letters telling me I need to go my bank branch, and have a banker call Moneygram to confirm that XXXX  XXXX XXXX did not issue me that credit. I did that twice and wasted an hour of my time and the bankers time each time. Nothing has come of it except that Moneygram says I need to do it again. On XX/XX/18, the banker even sent an email, as requested, verifying everything Moneygram asked. Followup calls to Moneygram determined that Moneygram could find no record of that email. I have a copy of that email if necessary. 

All I want is for Moneygram to refund the balance of the money order that was never credited to me. I have jumped through all their hoops, and wasted so much of my time, and still I have nothing. They have my money and will not give it back.
I signed up for  an HSBC Checking acc ount which offered a {$350.00} welcome bonus after completing requirements. I have no received the welcome bonus.
The account was charged off of with XXXX XXXX  in XX/XX/XXXX. I had been working with a debt consolidation company, XXXX XXXX XXXX, to settle the account. XXXX XXXX claims that they had contacted XXXX XXXX XXXX multiple time to workout a settlement agreement and received no response. I am no longer working with XXXX XXXX XXXX and they are currently under investigation.

Upon contacting XXXX XXXX on XX/XX/XXXX, I was informed that after the charge off date daily interest was still accruing. I was also told that when the loan was originally taken out the amount was {$5400.00}. The representative told me a total of {$870.00} had been paid on the loan. XXXX XXXX   told me they charged off the account for {$7400.00}. Currently the balance on the loan is {$16000.00}. Therefore, since the last payment on the account, they told me I had been charged {$12000.00} in interest.

In addition, after review of my credit report it shows the charge off balance as {$5300.00}. The last balance on the account was {$2000.00}. The credit report also shows that the account was charged off inXX/XX/XXXX. At this time I feel that the company is defrauding me of thousands of dollars.
I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. 

There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.
SUBMITTED PROOF THAT THE XXXX XXXX ACCOUNT APPEARING ON MY CREDIT REPORT IS NOT MINE AND MUST BE REMOVED.
I received a debt collection letter in the mail on X/XX/17 from XXXX XXXX XXXX/Pendrick Capital Partners II. The original creditor is XXXX XXXX XXXX in the amount of {$660.00}. The account number is : XXXX. This debt does not belong to me. I am not responsible for payment for this debt, someone else is. In the letter, it states that Pendrick Capital Partners purchased the account as the collection agency. This letter gives 2 options for payment. Option # 1 was to split the balance in 3 installments. Option # 2 was to reduce the payment to {$400.00}. I an disputing this alleged debt that is reporting negatively on my credit file. Like I mentioned before, I an not responsible for payment of this debt, someone else is.
I am paying back a Parent Plus loan for my daughter. The loan was originated from XXXX XXXX, everything seemed to be accurate until Navient took over the loan. I have always paid more than the minimum on the loans each month, I also never was late, however the balance of my minimum payment almost doubled and the balance seemed to be higher in the end than what i should be paying. I contacted the company and they told me at one time I was paid ahead but now i am not and i had to have a higher minimum payment to make sure my loan was paid off in allotted time. i have always paid more than the minimum and this made no sense to me. When XXXX was our provider on XXXX 13 we owed a balance of {$5100.00}, today our current balance with Navient is {$5400.00} there is no way these totals are correct, we called and the way they explained it to me i honestly can not understand, we will never get this loan paid back at this rate until the problem is solved with the numbers, it makes no sense, we need help figuring all this out, but customer service is no help.
I have been making considerably higher monthly payments on deferred six-month no interest payments with Care Credit to have charges paid off in advance of deadline date. Per direction provided by its customer service reps, I have been calling in every month to direct adjustments for the amount that I have been paying. For the last three months, while customer service reps indicate that they are making adjustments these have not been made. I believe this is a deliberate attempt to result in my paying interest on deferred charges.
My previous vehicle, a XXXX Honda Accord was total lossed in an accident in 2010. The insurance paid up to a certain amount of the balance owed and GAP was to cover the rest. It has been 6 years and it remains as DEROGATORY on my credit file. I need help resolving this matter. 

XXXX XXXX.
Capital One Bank continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
HELLO! I 'm disputing with Bank of america. When In XXXX in XXXX on XXXX i tried to put petrol at XXXXXXXX XXXX XXXX Every XXXX has their own employees for putting some petrol and customer 's card processing purpose. At the time they took my credit card and inserted to their card processing device. But it was declined 5 times incluing my brothers credit card 3 times and mine 2 times. So finally ended up using my brothers debit card. After travel, i found out they charged me {$77.00} US dollar even though it was declined 5 times. I could n't use my credit card at all. I think this is definitely double charged and i have no reason to pay again. also i do n't get what based on they charged me XXXX I thought everything is going well because i have declined slips. But the problem has been started from here. My bank credit card claims department keep saying that i have to pay {$77.00} Because there was no credit card numbers, the amount to be credited and merchant name on the declined slips The credit card dept keep insisting that these are not vaild credit card slips. If these are not proper card slip, who gave me the credit card slips? I did n't get any valid slips from XXXX company. this is not my mistakes Do you know what even worse things? At the time putting the petrol, i did n't sign on the recepit at all but the petrol stn and bank of america  keep saying that i signed so i asked BOA to send me copy of my signature and they said already mailed me it was more than month ago and i called a few times the bank sent the mail for sure Everytime i called they said just wait but i think they are lying I have been spending huge amount of time to solve this problems and too much stress since XXXX I guess no one fight for this long. most of them would give up. But the credit card dept never change their stands. finally i have no choice but reach the XXXX head quarter to solve this terrible problem and i 'm still waiting So my suggestion is asking the Bank of america whether they sent mail or not I have no idea even they have my signature as proof of purchase If it turns out that the bank is lying there will be a huge problem of trust. I would really apprecite your response and contact me please
All XXXX credit reporting bureaus ( Equifax , XXXX, XXXX ) ask me security questions which do not pertain to me. When I answer them as 'none of the above ', they say they can not provide my reports online. When sending in their requested verification info, I get a letter saying that they can not provide me with my reports. THIS MAKES ME VERY CONCERNED ABOUT WHAT IS IN MY CREDIT RATING ( errors, fraudulent activity, etc ). By law, they have to provide me with my annual credit report but have refused to do so for numerous years. THIS HAS TO STOP, I NEED MY CREDIT REPORTS!!!
I took out a mortgage loan with the promise of having a low monthly payment and low interest rate as advertised. However, the monthly payment and apr were not the amount as promised but the contrary, they were monthly payments that I was not able to afford. The bank started a foreclosure action against my property in   XXXX    . I tried to do a loan modification in several occasions but the bank denied me without an in-depth explanation. I was a victim of the subprime mortgage crisis ; I am  XXXX   XXXX   XXXX  woman who wants to pay her mortgage.
I recently disputed information on my Experian credit report that I either have no knowledge of and or duplicate accounts that are reporting on my credit report. I also disputed incorrect addresses and names that I am not known by or ever used that are reporting on my credit report. The only address that should be on my report is XXXX, ga XXXX. My correct name is XXXX or XXXX XXXX XXXX which are the only names I have used. I have several student loans from the dept of education, aes and naive to reported duplicate accounts that have been consolidated. This is hurting my credit scrore preventing me from getting a home loan. I have XXXX duplicate accounts reporting from XXXX XXXX XXXX that I have no knowledge of and XXXX account from XXXX XXXX that I also have no knowledge of.
I asked XXXX  and Equifax to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report Equifax has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If one agency can remove this why can XXXX and Equifax. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP
When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card.
On XX/XX/XXXX went into SunTrust bank about fraud charges on my account so they opened a claim on them then on XX/XX/XXXX informed me they where researching them and waiting to hear from the merchant and no provisional credit would be given as this was a merchant dispute. On XX/XX/XXXX I sent the branch manager who helped a email with reg e details and she replied on XX/XX/XXXX saying it is a merchant dispute so reg e does not apply to the charges and I have to wait till they hear from the merchant. called there claims team and thats all they would say on the issue also is that reg e does not apply to this claim and nothing on the account would be corrected till they hear from the merchant we are now at the XX/XX/XXXX business day since filling the claim and nothing has been corrected.
My Navient student loan reported me 90 days late in XXXX 2016 when I was not. When I called on XXXX XXXX, 2016 to dispute the 90 day credit marker, I was told I could do a forbearance and that Navient would show the account as current and report it to all three credit report agencies. 
I continued to check my report and nothing changed so I called on XXXX XXXX, 2016 to ask the status and the person said they were working on the issue and the removal would not be completed until the XX/XX/XXXX.XX/XX/2016, I checked again and this time they were reporting me 90 days late for two months, XX/XX/XXXX and XXXX 2016. 
Attached is my formal letter with further details regarding dates, times, who I spoke with. I am sending this letter in hopes that you will contact Navient and have these 90 day credit markers removed from my credit report as they promised.
Wells Fargo XXXX. XXXX XXXX XXXX XXXX, IA XXXX. 
I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with Wells Fargo that is being reported on my XXXX, XXXX, and XXXX credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " Forcing fees the bank should have covered '', " paying additional fees and mortgage services '', " requiring private mortgage insurance '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are damaging my credit score. I have disputed these errors over 6 times with XXXX, XXXX, XXXX and Wells Fargo. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both Wells Fargo Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the Not Reported ( NR ) on my 81 month payment history to reflect Pays As Agrees on a monthly basis from XX/XX/XXXX to present on both Wells Fargo Accounts. Attachments : Wells Fargo payment history from XX/XX/XXXX- XX/XX/XXXX The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : Wells Fargo payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. Wells Fargo, XXXX, XXXX, and XXXX  maliciously refuses to correct my 81 month payment history on both Wells Fargo accounts. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Bank of America repossessed my vehicle for missing only one payment because of banking account information error. I was given a chance to correct the error after the vehicle repossessed. I did reach out to Bank of America to resolve the issue in writing but the bank chooses to ignore my request. In my letter I politely request the bank to return the vehicle so that I will continue to make the payment as agreed under the terms of the contract. The bank prefer to remain silent and go a head with their plan and sold the vehicle for much less than what it worth and unfairly hold me responsible for the balance. I kindly request for the consumer protection bureau to investigate strongly, and as a result, release me free of any responsibility to clear my credit report history. 
Thank you
This women repeatedly called me from " XXXX '' leaving multiple messages on my work voicemail. I called her back and asked hedr to kindly stop calling my employment and she stated I could do whatever I want to do shes going to call my employer now and hung up on me. Im not even sure this is a legitimate aattempt to collect a debt. phone number she called from is XXXX ext XXXX
I closed my XXXX 's XXXX MasterCard account at Synchrony Financial because of fraudulent activity. Synchrony Financial kept the accumulated cash reward and would not respond after the first communication.
specialized loan servicing has not reported my payment activity since XXXX 2016 on my mortgage.
I went to meet up with a rep of XXXX XXXX in XX/XX/XXXX to getting a loan using my car as collateral and ask for XXXX , prior to asking the man on the phone *XXXX* said that they would need to put a gps on my car and only give me XXXX $ cause of fees for stuff about dmv and titles. So I ask XXXX and XXXX was skeptical over phone and said hell ask his associates and come back saying okay but youll only get XXXX cause of fees and stuff. As I was talking to his assistant to sign paperwork to make it official they told me that normal title loans youll pay interest rate like any other title loans. So when the assistant went over the paperwork with me on her computer she said an estimate of XXXX I would have to payback with no time frame prior paying back so it sounded reasonable me cause I borrowed a bit more and would have to pay a little more from interests and fees. So months went by and I started to notice that the balance I owe wasnt going down and email them saying why it kept going up and down on my payoff balance account and they respond that it changes daily on my account. Didnt think about it too much and forgot about it. Come about a year later Im stilling paying it so I look about my copy of paperwork and notice that they gave me XXXX $ and the APR is 128 % over 36 month time period and after Ive done payed off my total would be over XXXX . Ive email them about this and gotten no respond as of XX/XX/XXXX
Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware. 

In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ). 

Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.
I received a {$36.00} overdraft fee for items posted on XX/XX/2018. I knew that my balance was low, and checked my online banking repeatedly to make sure I was not below the threshold which cause an overdraft fee ( which is negative {$5.00} ). At no point that day did my account show that I was that low. 

Today, I have a {$36.00} overdraft fee. And, in reviewing the account, all the charges appear accurate. My issue is, all of those charges were not showing yesterday. So my account did not reflect a low enough balance to trigger a fee in real time. 

My contention is that the bank should either show the transactions in real time. Or, if the transaction does not show on a date in real-time, it should not post on that date. When a debit appears one day retroactive, it gives the customer incorrect information and literally no time to make a correction. 

I don't have a screenshot from yesterday to reflect how the account appeared at the time. I wish I did. But I did speak to PNC 's customer service and they agree that this scenario is possible. However they don't deem it to be a bank error because the transaction totals are ultimately correct. I disagree and believe the {$36.00} charge should be reversed.