WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I had an unauthurized charge on my prepaid gift card. HAve been going through the process with the company however they refuse to respond to my dispute or any phone calls anymore. They promised it would be reviewed within XXXX days and it has been XXXXmonths! 

The company is Intellispend.
ON  XXXX   XXXX ,  2017 I P URCHASED AN ITEM FROM HOMEGOODS AT  XXXX  FL FOR {$98.00} USING  TJX REWARDS/SYNCHRONY  BANK CREDIT CARD ACCOUNT NUMBER  XXXX   XXXX   XXXX   XXXX . ON  XXXX   XXXX ,   XXXX   I PAID ONLINE THE BILL IN THE AMOUNT OF {$98.00}, THE RECEIPT OF WHICH WAS ACKNOWLEDGED IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017    WHICH SHOWS A NEGATIVE " NEW BALANCE '' O F " (  {$96.00} ) ''. HOWEVER, IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017   , THE BILL CONSIDERED THE PREVIOUSLY PAID " {$96.00} '' TO BE UNPAID, TACKING THEREON A {$25.00} LATE FEE AND AN INTEREST CHARGE OF {$2.00}, MAKING AN ALLEGED NEW UNPAID BALANCE OF {$120.00}. ON  XXXX   XXXX ,    2017, I WR OTE SYNCHRONY BANK DISPUTING THE AMOUNT OF {$120.00} STATING THAT IT IS CONVERTING " MY NEGATIVE BALANCE '' INTO A " POSITIVE BALANCE '' AND CHARGING ME THEREFOR " A LATE FEE OF {$25.00} AND AN INTEREST CHARGE OF {$2.00}, MAKING IT APPEAR THAT I OWE A TOTAL BLANCE OF {$120.00}. '' TO DATE, I HAVE NOT RECEIVED ANY RESPONSE FROM SYNCHRONY BANK. INSTEAD, I HAVE BEEN RECEIVING  DUNNING TELEPHONE CAL LS AND EMAILS FROM THE BANK. AS I HAVE STATED IN MY  XXXX   XXXX ,    2017 LETT ER TO SYNCHRONY BANK, " I BELIEVE THIS IS WRONGFUL AND SHOULD BE CORRECTED AND STOPPED IMMEDIATELY FOR THE PUBLIC 'S PROTECTION. '' PLEASE LOOK INTO THIS MATTER AND ADVISE ME OF THE RESULTS AS SOON AS POSSIBLE. THANK YOU.
Made payment on XX/XX/XXXX of {$42.00} of {$84.00} due ( minimum pymnt due {$27.00} ) on XX/XX/XXXX ( no minimum charge and no interest charge? ). {$2.00} Minimum Charge Fee added ( no interest added which states a minimum of {$2.00} in their agreement ) on XX/XX/XXXX closing date. Made another {$42.00} ( minimum pymnt due {$27.00} ) on XX/XX/XXXX due on XX/XX/XXXX. {$2.00} Minimum Charge Fee added on XX/XX/XXXX. Total due now is {$4.00}. Made {$4.00} payment on XX/XX/XXXX ( no interest fees ). {$2.00} Minimum Charge Fee added on XX/XX/XXXX? Payment was made before closing date. I feel like I will never get this card paid off with this game they are playing. I see nothing noted in their agreement about a {$2.00} Minimum Charge Fee. I never got charged interest rates and their minimum on that stated {$2.00}. I have since cancelled the card due to the constant charges even though it has been paid off since XX/XX/XXXX before their due date of XX/XX/XXXX and the closing date of XX/XX/XXXX. I feel they apply their interest rate minimum of {$2.00} as this Minimum Charge Fee so they can continue to charge it as long as their is a balance and you wo n't see it until the next statement.
I bank with Wells Fargo Bank in XXXX Az. Using my Wells Fargo debit card at XXXX XXXX in XXXX to get close to todays current market rate, I found Wells Fargo has frozen their ATM card exchange rate to XXXX ... my XXXX last transactions, increasing my cost of doing business by an additional {$21.00} plus per transaction plus their internation fee of {$5.00} dollars U.S. And XXXX 's ATM charge of {$1.00} or less. 
My last XXXX transaction showed a market rate at {$19.00} last Thursday XXXX/XXXX/2016 after XXXX so I exchanged dollars for {$8500.00} XXXX at a cost to my account of {$470.00} and change, then Saturday evening XXXX/XXXX/2016 I withdrew {$8500.00} XXXX for {$470.00} US dollars and change rate was XXXX then today XXXX/XXXX/2016 I again withdrew {$8500.00} XXXX and got the same rate as Saturday! After calling Wells Fargo, they said it was XXXX 's problem, not theirs, until I said you are my Bank and your name is on my XXXX Debit Card. I was helped by Wells Fargo rep who then called XXXX to find out they were keeping the rate well under market at a cost to their consumers, ME. I did file a complaint with Wells Fargo but after finding how they were evasive and tried to place blame elsewhere I am now turning to You. 
My phone Number is XXXX cell and my XXXX XXXX number is XXXX! 
I know now Wells Fargo is manipulating the currency market to their clients using Debit Cards at the very least. I have an account with Wells Fargo an my account should reflect dates and time of all XXXX transactions. This is a first that I know of and I do n't like it! 
Sincerley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX! I am current at our home in XXXX XXXX XXXX and the ATM was from Santander bank across from XXXX XXXX XXXX XXXX! XXXX! 
XXXXXXXXXXXX is my email!
On XX/XX/2018 between the hours of XXXX and XXXX XXXX a unknown person used my debit card at a merchant in a neighboring city. I was unaware that I no longer had my card in possession until that night when I was attempting to get gas. When Chase my bank was first notified they administered a temporary credit but a week later they reversed it and now before making me aware of their decision are telling me I must get a lawyer to supena the merchant for camera ... ... I just wish they would have talk with me about what was going on so I would have been aware from day one of getting the temporary credit so I could have actively begin my own investigation into the matter as well ....
I noticed today XX/XX/2018 that a checking account in my name had a very low balance. I use this account for savings for my upcoming 25th anniversary. When I went to activity I saw that a total of {$6100.00} had been withdrawn in 3 ACH ( Automated Clearing House ) transactions in the past 2 business days : on XX/XX/XXXX ( Friday ), XX/XX/XXXXXXXX ( Monday ) and XX/XX/XXXX ( today ). I reported it to the Bank immediately, but they told me that because there were other frauduent transactions on my account, specifically a XX/XX/2018 ACH debit for {$2.00}. Because I had not reported that transaction until now, the Bank is not liable to pursue any fraudulent transactions with this account. I told them I was not likely to notice a {$2.00} transaction but they told me that was the law. I've filed the fraud report with the Bank, but they informed me I should not expect to recover anything. In total I estimate the amount lost to fraud was {$8600.00} since XX/XX/XXXX but almost all of it since XX/XX/XXXX ( 60 days ago ). 

In the submitted documents, 10 transactions are labelled fraudulent. Of these 7 are XXXX ( shown in the documents labelled as " Markup ''. I also attach the XXXX 2018 statement which shows none of the fraudulent transactions and shows the two legitimate transactions.
TransUnion failed to respond to my dispute letter sent on XX/XX/2018 within 30 days. I have a copy of the return receipt they signed on XX/XX/2018. The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation.
The collection amount to XXXX  was paid in full. You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to XXXX XXXX, and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of XXXX XXXX, and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely.
My response to a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX : XX/XX/2018 FAXED TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RI XXXX Re :  Account # XXXX Your letter of XX/XX/2018 indicates my loan is past due. I submitted on or about XXXX  XXXX the appropriate forms to move my monthly debit from my former XXXX checking account to my new XXXX XXXX XXXX account. 

I contacted your office by phone about the time of the referenced letter indicating that neither my old XXXX account nor my new XXXX account had been debited and was told by a not particularly helpful representative that it may take one or two billing cycles to take effect. 

For more than two years I have not missed a payment and have, in fact, paid {$500.00} per month so I am well ahead of the loan payment schedule and can not be past due. 

Please take steps to implement my new XXXX XXXX XXXX account and the monthly debit of {$500.00} against the referenced loan. Also, take steps to remove the negative impact on my credit record as I am effectively NOT in arrears. 

Thank you. Inform me that these actions have been taken so I have a record of the action. 

Regards, XXXX XXXX XXXX, XXXX. 

Cc : Acting Director XXXX XXXX Consumer Financial Protection Bureau
I contacted XXXX XXXX XXXX while my car was being repossessed. 
The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. 
There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX  on XXXX XXXX XXXX . 
There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. 
The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I have filed bankruptcy ( Ch XXXX ) about a month ago and they are saying they are pressing the following charges : Breach of contract Malicious intent to avoid repayment The account was opened in XX/XX/2016. I am not employed. I also now receive SSI. I made some payments on the account. I didnt purposely stop paying them. The company is saying I signed something stating I will not file bankruptcy. Is that even legal? When I told them they asked for a copy of the order but I am afraid to send it because I don't know if they are legitimate. I told them I filed and that they are violating the bankruptcy laws by continuing to contact me trying to collect on the debt. 

It is a collection agency calling me on their behalf. It sounds like an illegal practice to collect on the debt. Here is the contact info for the collection agency. 

XXXX XXXX
I signed up for a promo bonus with XXXX XXXX XXXX. 

In the promo and the terms and conditions, it stated that you will receive a {$300.00} bonus by enrolling in online statements and making 5 qualifying transactions by XX/XX/XXXX. 

The promo code was XXXX and when I applied online it said it was successfully applied. 

I completed everything and made my deposit and completed all qualifying conditions to receive said bonus. 

Just to be sure, I called XXXX XXXX customer service and was td after half an hour of holding that it wasn't eligible im Texas. Was told that again by an employee when I tried calling my nearby XXXX XXXX center. 

The problem is, no where in the terms and conditions is it stated that Texas is not eligible. The page where you input the promo code also asks for your zip code. 

Other institutions do not allow you to open an account with a promo code if you do not reside in the area. 

I have actually spoken to others who reside in Texas on XXXX and they have stated that they have received the bonuses. Many others have been told that Texas is not included in the promotion, yet it does not specifically state that Texas is not included. 

This is a link to the offer. 

XXXX XXXX XXXXXXXX It is the same one but this is an extended offer which expires on XX/XX/XXXX, mine expired on XX/XX/XXXX but you have until XX/XX/XXXX to complete the conditions.
I have disputed medical accounts collections information, late payments reported by  XXXX  and an account from the University  XXXX   XXXX  that is not mine with no corrections.   My score went from being  XXXX  to  XXXX  within a couple of weeks with no changes to my Transunion credit report. When I called customer service they said it was because  my medical collections up dated which my understanding is the collectors can not update dates when I have not made any payments and nothing has changed on the collection accounts. However somehow they are able to report new dates and make the accounts appear to be new. I have late payments with  XXXX  which are not correct because I was only s ent one paym ent to pay and I was not made aware of a {$25.00} payment. I applied for income based payment plan and was just told to make  one p ayment and was never explained that my direct loan was a separate payment.  The U niversity  XXXX   XXXX  is reporting a charge off fr om 2001 th at is not mine and they have not communicated with me how this is my debt.
I have Had The charge of service fee .From experian from 2007 to present day .my credit report not accessible .I 've been fighting ID theft forgery fraud .Illegal stock trades .for 11yrs.With all exhausted remedies with all 3 credit companys
Rush card sent text messages telling all customers to withdraw what ever cash they needed from there account on Sunday because they where upgrading the system and it would be down Monday from XXXX-XXXX now its. Wed and everyone cash is tied up no balance shown and even if it does you ca n't spend it
I received a mortgage loan modification in 2012 and I believe I was deceived into signing papers to save my home. I was told numerous times over the phone by Nationstar Mortgage that I qualified for a loan modification because I had successfully made all my mortgage payments. Yes, I made all my mortgage payments, so why did they ( Nationstar Mortgage XXXX add an additional {$260000.00} on top of my original mortgage loan with the modification??? I was deceived and lied to and this is a SCAM by Nationstar Mortgage. I made all my mortgage payments and paid all late payments. Then I made additional trial modification payments and I was told on the phone I would not get any additional fees because I made all my payments to qualify for the loan modification. Did Nationstar Mortgage pocket and dissapear all my mortgage payments I made prior to the loan modification??? I just now realized that they ( Nationstar Mortgage ) committed FRAUD with me because they added additional fees to my mortgage loan that I never had before. Please help me to remove the amount of {$260000.00} that Nationstar Mortgage added to my mortgage loan by FRAUD. Nationstar Mortgage lied to me and deceived me into signing papers to do a mortgage loan modification with the Nationstar Mortgage, which now changed it 's name to Mr. Cooper Mortgage.
I have had a business visa through Capital One for many years, NEVER been late on a payment and always pay more than the balance due. When I got this credit card the credit limit was approved without any problems or issues, so I do n't understand why all of a sudden the credit limit was decreased. Today XXXX I received a letter via email from Capital One informing me my credit amount was lowered ( see below for copy of letter ). I called Capital One immediately and they could n't provide a good reason why this happen and that there was nothing they could do about it, it was a decision on their part. As a business owner I use this card a lot and yes I always keep a balance on my credit card, per my personal Accountants request. No one from Capital One has ever called me to discuss this matter, I was blindsided by only an email with a standard brief message. As a consumer I feel this is terrible customer service on their part especially when my account with them is in outstanding status. There is a reason I asked for the credit limit I did when I opened my Visa card, I even told them at the time I would be using this card regularly, Capital One approved this credit limit years ago without any problems, they even told me with Business accounts they know balances are higher than most credit cards, as long as I pay the min. payment by the due date ( which I pay more every month on time ) everything would be okay and now they decide to lower the limit without just cause or any warning. Nothing has changed on our part, if anything my income and credit score is better than when I applied for this card. LETTER FROM CAPITAL ONE Our goal is to always keep you informed about changes to your account and how they impact your business. Today, we want to make sure you know about a recent change to your account. <P/>On XXXX/XXXX/XXXX, your credit limit was changed from. The reason ( s ) for this change : Recent monthly payments have been too low compared to balance on this Capital One account Proportion of revolving balances to credit limit have been too high on this Capital One account recently Use of all of your available revolving credit has been too high on your XXXX  credit report Recent payments have been too low for your credit limit on this Capital One account No other changes are planned at this time, and all other terms still apply. An official notice of this change, with additional information, will also be provided to you via mail and through the secure inbox with your online account. <P/>We value you as a customer, and we hope this change doesnt cause any inconvenience for you. If you have any questions, please give us a call at
I am current on my mortgage with Chase Bank and have been since XXXX 2013. My interest rate of 10 % is a predatory loan which I have tried unsuccessfully to modify twice with Chase to no avail and can not qualify for HARP because my loan is not with XXXX. Chase continues to add unwarranted fees such as having someone come by my house, which I 've been in for eight years now, to make sure " my family still lives there ''. I was just put in collection in XX/XX/XXXX while not being late on my payment. When asked why, I was told because my payment was late. Clearly it was not. They waived the late charge but I 'm not sure they will report this correctly to the credit bureau. I need help getting rid of this loan and refinancing to a market rate loan. Please help.
There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.
I Received my credit report showing a inquiry from Capital one from XX/XX/18 showing I applied for a credit card. 3 years ago I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score.The item is inaccurate, misleading, or incomplete, may have violated federal law.
This bank has no issue placing hard inquiries on my credit report but keep sending me letter saying they ca n't verify me. I have mailed twice to the fraud specialist that they give people in customer service when they receive this letter and she has not once e-mailed, mailed, or called me! No one in customer service has ever allowed me to verify anything, send in documents, nothing and my XXXX credit report is up to date and verified and monitored by me daily! 
I have also made XXXX complaints to your office and each time the bank has wrote in response to you that they think my identity has been stolen and that is why they have denied my application. That seems interesting since the information on the application matches my credit report, I 'm calling saying it 's me applying, I 'm offering to send in verification, and I have filed XXXX Consumer Financial Protection complaints that they are not fairly processing my application and yet they give you the same XXXX answers they provide me.
I filed a report and a 90 day fraud alert with the reporting credit bureau to notify them of a fraudulent medical collection reporting on my credit report. I then reached out to the debt collector and the medical facility who let me know this was a bill for a medical service performed on XX/XX/2014 in XXXX, Ok. I lived in XXXX Oklahoma at the time and never visited an Emergency room or even knew a patient by the name of XXXX whom they are stating the services were performed on. I notified them that this is fraudulent and I do not know this person or even where this facility is located. Apparently my stolen information was listed as the responsible party. I grew greatly concerned and am just trying to get this fraudulent information taken off my credit report because it impacts me personally and my family.
I have a child support agreement that was set up by our attorneys. I have never been late on it yet the agency is reporting that it has been late twice. I have asked them several times to fix it but they wont. This has gone on for many months without an answer. I thought they were supposed to respond within 30 days or remove the issue.
I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.
I represent a homeowner in applying for a short sale, retention options and have a bonafide offer on the homeowners property. I original application process started in Late XXXX on 2018. I submitted the application and followed up several different times before the set auction date for the end of XXXX. In Late XXXX I was told that the application was not complete and needed to submit 2 consecutive paystubs, an updated RMA, and XXXX which I faxed into Carrington Mortgage on the XXXX and XXXX of XXXX. I followed up the first week of XXXX on Tuesday but their loss mitigation department was closed, so I called again on the XXXX of XXXX to find out that they had closed our file out. The representative told me that they had not received the requested documents, I asked the agent which documents they had not received because on two other occasions they had said the same thing but I had proof that the files had been faxed and received in PDF format from my email. The agent said that they were missing the paystubs that they had requested and also the XXXX which i also had proof that they were sent on the XXXX and XXXX of XXXX. I asked that they again review the files that I had already sent several times and set the file back up as being completed. At this point the seller is in jeopardy of losing her home to a foreclosure instead of being reviewed for retention options and a short sale.