WillisBack/dataset-financial-user-claim huggingface dataset:
Lies, manipulation and refusal to escalate the situation to an authority figure who has the means to get the issues resolved. XXXX dollars was removed from my account with a promise of XXXX dollars being available on XX/XX/XXXX on my Google Wallet card. Google removed the entire XXXX dollars from my bank account on XX/XX/XXXX. Every time a call and plead for help, I get same scripted response. My holiday, my XXXX is ruined and I can not provide a proper XXXX meal to my family because of this. This is beyond painful, embarrassing and disheartening. I have been an advocate for Google, their products and services. They have not been an advocate for me. 

Typically, the transfer is instant. This time there was a delay that I was unaware of until I completed the transaction. I was given a date of XX/XX/XXXX. The morning of XX/XX/XXXX it was not available. I called and spoke with someone who claimed to be in management. No help given. Just lies about funds being released that day. I have emails and recorded calls to confirm. 

Google took money out my account and refused to credit my card for the transfer. With an inconsistent answer as to why, they credited me XXXX dollars for the inconvenience. That too was a slap in the face. 

The managers I spoke with told me that they do not report to anyone, which was insulting as I know there is a hierarchy of authority in all corporate settings. I will be without a XXXX meal for my family due to this. 

Something has to be done to right this wrong.
Navient will not take the time to research my loan history. XXXX XXXX for Navient says " you have satisfied 25 months of your repayment terms, meaning we received 25 satisfactory payments towards the loan while in a Repayment status. '' This information is inaccurate. I have never been in default and I have made more than 25 payments on this loan, I've been paying on it for over 10 years. How can she say only 25 payments when for 3 years my Chapter XXXX paid {$500.00} a month for 3 years which equates to 36 months. After my BK was discharged, I took the payments over in XXXX or XXXX of XXXX, that in itself is almost 30 payments. Those two scenarios equals 55 payments so how can she say only 25 payments have applied to my loan. I don't understand how Navient is applying payments other than ripping people off so loans never get paid. I could understand if I was behind or not making payments but I have been paying on my loan and am not getting the credit and the respect for being responsible. Help me understand how they only show 25 payments when payments have been made since XXXX? If this was to be a 20 year loan, 10 years have passed, why is Navient asking me to make 17 more years of payments. What happened with the payments from XXXX to XXXX? I have documentation from my Trustee showing over {$7000.00} paid on my loan, why isn't this showing up in my payment history? I have documentation showing {$15000.00} was paid to XXXX for my student loan. Why hasn't this been communicated to Navient and what is the relationship of XXXX to Navient?
I found fraud on the credit card myself and my daughter share. Yesterday I spent over a hour on the phon with 2 reps and 1 manager 2 times I was disconnected and customer twos sai they needed authorization from manager. Manager was rude and did nothing for me and she hung up on me not wanting to deal with problem. All I wanted was these charges off to file a claim and get new cards. No one cared. Is this how they conduct themselves. I do n't know what to do. HELP! XXXX and XXXX. Account ending in XXXX.
I made a payment of {$100.00} to XXXX ( email : XXXX ). 
I was trying to send {$10.00} but made an error in the amount. I have contacted him, but he does not reply.
The company claiming I owe this medical debt is reporting to the 3 major credit agencies damaging my credit and I have never even heard of them and says the date opened wasXX/XX/18. this is impossible because I have full coverage insurance.
I did not authorize this purchase on XX/XX/2018. I told Citibank that this transaction was UNAUTHORIZED on my behalf. They gave me conditional credit of {$15.00} but then reversed it back out on or around XX/XX/2018. They also gave me a new debit card so that this dishonest merchant ( XXXX ) would not charge the card again. But they still need to credit my account for the {$15.00}. The acquiring bank XXXX XXXX XXXX handles XXXX account. But they have ignored the request even after I cancelled the account with XXXX for which I did not authorize the transaction. I sent Citibank proof of the cancellation on XX/XX/2018 and they still have not granted me the {$15.00}. I am NOT stupid. Nobody is going to steal money out of my checking account without an aggressive response. This is bank fraud and wire fraud. I will be contacting the FBI AND LOCAL LAW ENFORCEMENT if this matter is not resolved soon. 

CLAIM # XXXX
I purchased a home XX/XX/XXXX in XXXX XXXX XXXX I purchased it from XXXX XXXX 's real estate agency using one of her buyers agents. In the financing an escrow was set up to pay the insurance as well as taxes. According to the paperwork the taxes for XXXX were XXXX and homestead was filed by the homeowner for XX/XX/XXXX. They set up the escrow to hold out XXXX to pay the taxes each year. That totals out to XXXX. I paid on time every month. XX/XX/XXXX i received a call from the bank and was informed that the withdrawal went from about XXXX to XXXX. So i called to find out what the problem was. They informed me that i failed to file for homestead XX/XX/XXXX and that I had insufficient funds to cover the taxes and my payments would have to increase until that was caught up. I understand that was ignorance on my part and I have paid it and made the changes that were needed in order to pay back the owed amount. They reassessed it for XX/XX/XXXX and sent the info to the bank so the amount owed for that year went from approx XXXX to XXXX which is when I became aware of a problem. My down payment, insurance, and account was set up based on the tax information provided to me. However when i received my estimate for this year the taxes are not XXXX based on XX/XX/XXXX. They are not XXXX based on what I was told to expect to pay. They are XXXX ... nearly XXXX percent more than the estimate I was given. I do understand it was an estimate which implies it could be slightly off. However thats not slightly off. It in essence doubles what I have to pay for it into escrow every month and increases how much I would have to pay for the home if kept full term to about XXXX more. Through my investigating it appears that they gave an estimate based on what the previous home owner would be expected to pay. The previous homeowner was over the age of XXXX I 'm assuming. I did n't know him but I have deduced that. That qualifies him for special exemptions in homestead which I as a XXXX year old at the time did not qualify for which they would certainly know. Not only that there are many more people under the age of XXXX buying homes than over. His rate would be the exception certainly not the rule. Therefore The numbers were going to be roughly XXXX percent off in most cases. Yet I was given nothing to indicate this. Mortgage loans are also to be made in part only to ones who have the ability to repay them. How could anyone claim that is being done when the estimates are allowed to be that far off? I know I might have rambled a bit and I apologize to whoever is having to endure it, but please understand I 'm not one who asks for assistance in matters and I accept responsibility for mistakes when I make them. This however was not a mistake I made and its brutally unfair for me to have to pay for somebody else either purposely misrepresenting the truth or not doing their job. I have another issue with a repair request but I 'll put that in a separate complaint. Thank you for your time.
My name is XXXX XXXX. Today I received a notification on my credit report that Portfolio Recovery Associates reported an account I have no knowledge of. ( XXXX XXXX ) for {$1600.00}. I previously had problems with this company where they previously reported an account that was inaccurate and lacking documentation. Without verifying the debt, portfolio tried to collect payments by pressuring me with false statements and ridiculous claims of a lawsuit using robo-signed court documents. They closed that account after I clearly proved to them that the account did not belong to me and filed a complaint with the CFPB AND XXXX. Please refer to CFPB COMPLAINT # XXXX ... Portfolio sent me a letter dated XX/XX/XXXX stating that the tradeline was closed and removed from all credit reports.. Now they're stating that there is a another new account with a new account number. The previous account that was closed ended in account number XXXX. I called them today and spoke with two different representatives on a recorded line.. they both stated to me that the complaint that I had made previously was regarding another account and that they just purchased this new debt in XXXX?? .. I stated to them that I sent them a letter regarding the false new account and they need to use the documentation that included my FTC affidavit notarized and signed with my police report as I was a victim of identity theft and the girls stated to me that the debt buyer just bought this new account for pennies on the dollar in XXXX and their job is to collect on it aggressively. Portfolio Recovery Associates knows this information is inaccurate and can not be legally enforced based on disclaimers, past practices of debt sellers, or my consumer dispute. They have all my supporting documentation on file!! This is a violation of Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Portfolio Recovery Associates needs to close and delete this tradeline off of my credit report. This is also a violation of the fcra 605b identity theft law. Should they not remove this tradeline I will pursue with a lawsuit. I have supporting documents where that supports my dispute and they have yet to prove to me that this account is mine. I will also take this to the media should not this not be resolved because I am exhausted calling them trying to get this account resolved closed and deleted!!! I also sent them a cease-and-desist request to discontinue the phone calls and the letters that they are continuously sending to me and calling my place of employment and they have went against the law of the cease and desist which both representative stated that they do have on file and completely ignored it. My information is listed below : this has gone way too far that they're allowed to continuously break the laws like this.. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/XXXX SSN : XXXX
I was added as an authorized user on an account without my authorization or knowledge. The account is XXXX XXXX # XXXX. The account holder later defaulted on the account, now the account is reporting on my credit as charged off. I contacted the XXXX credit bureaus to have the account removed off my report. The account was deleted by XXXX and XXXX, Equifax refuses to delete the account. I never opened this account, I never signed any agreement with the creditor, now I 'm having issues trying to buy a house because Equifax is reporting incorrect information and the creditor is illegally reporting this account as mine. Please delete this account from my Equifax credit report.
I wrote to the three credit bureaus regarding some inquiries that I have seen on my credit report but I know I do not have any accounts with these companies or am I paying any monthly amount to them. These inquiries are on my credit report and I did not authorise any of these companies to run my credit. I wrote a second letter to three of the companies asking them to remove the inquiries that I did not authorize. On XX/XX/2018 I wrote SEARS CBNA, XXXX XXXX XXXX and CITIBANK NA asking them to remove these inquiries from my credit report has I do not have an account with them and I did not authorize any such inquiry. 
I wrote XXXX, XXXX  and XXXX about the same inquiries on my credit report that I do not have an account for but did not get any good response regarding this.
I co-signed for my ex-husband student loans. My ex stopped paying them, but the lender never notified me he stopped paying. They sent debts to collector who started harassing me at my job to pay loans in full. I tried to refinance them, but could not because they are not my student loans. I have been making monthly payments to fulfill my obligations, but I still get harassed every 6mos demanding full payment. No one will refinance the balance and no one notified me when loans first become delinquent. I 've been working with lender, but this still reports as delinquent collections on my credit despite the fact I 've been paying for three years and was never notified until 12 months after payments ceased. Do n't lenders have an obligation to notify co-signers before the negatively report credit? Should n't I get a second chance after three years of on time payments? My credit is suffering because lender never tried to contact me.
Ally financial continues to call and harass me after I 've already spoken with them today and come to a resolution.
In XX/XX/XXXX I financed my XX/XX/XXXX Chrysler 200 with SunTrust Bank and then in XX/XX/XXXX I sent payment, to pay my account in full. I then received notice dated XX/XX/XXXX indicating my account was settled and that my title will be mailed within 10 days. The 10 days extended to over a year and a half and then I finally received my title in XX/XX/XXXX. After receiving my title SunTrust then proceeded to take possession of my car, stating that my account was not paid. 
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with. 
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.
Dear Representative, On X/X/2017 I called this servicer and spoke to : XXXX XXXX with no call backs concerning the Modification application submitted. Was told that it would be uploaded into their system and he would call back on X/X/2017 @ XXXX XXXX. Since then I have left several messages and no follow through by the servicer concerning this matter.
This is unethical and unprofessional. I need a call back soon. Also, need to know were to make the payments to them or XXXX XXXX XXXX. Who is servicing the account?
XXXX seems not to be aware of the account so we need to clear these issues up!
Respectfully yours, XXXX
Today I tried to successfully placed a credit freeze with XXXX and XXXX. When I tried to place a credit freeze with Equifax they advised that could not, as I had no record on file. 

The asked for me to provide identifying documents increasing my exposure to identity theft. 

I declined and they declined to put a freeze on me. 

I asked for the details of where I could complain and they declined to provide a complaint location.
My husband ( now ex ) put all his debt in my name including most of his student loans ( he is a doctor ), convincing me he would pay it in full. Unknown to me, he either missed payments or did not pay the full monthly amount adversely affecting my credit score. Little did I know, my husband was preparing to leave me with all his debt. This was devastating both emotionally and financially. I notified Capital One to inform them of my personal, financial hardship and asked if they could work with me. They refused, on several different occasions throughout three years. I informed them that my divorce lawyer was recommending I declare personal bankruptcy ; however, they still refused to help me repay the debt. I did not and will not declare bankruptcy ; however, Capital One has truly adversely affected my credit history ; despite my several attempts to explain my hardship. I am and have been paying them back once the credit card was ordered by the court to be my sole responsibility without my ex-husband 's need to control me. It has been three years since that court order and each payment was timely and in full. However, six payments missed still reside on my credit history. They have blatantly refused to help me in anyway, despite my several attempts. The debt was XXXX and now I am about to pay it in full with XXXX large check. Do not get a Capital One credit card, an unexpected hardship may occur and they will provide no assistance. Instead they contribute more pain, stress and grief to that hardship by their denial to assist in anyway ( even when you WANT to pay the debt back ). Capital One will watch you go through this hardship and then take their proverbial dagger and slice you at the heels. Crippling you more via your credit history!
I got behind on my mortgage payments. When I was able to make my payment and add additional monies to the payment, US Bank would accept my payments monthly and would return my check. They stated they needed the amount in arears paid in full, they would not accept as they called, partial payments. My mortgage got farther and farther behind because US Bank would not accept any money from me at all. Who does that? Meanwhile my credit rating has totally been ruined. When I was able to pay the arears amount in full, US Bank gave me the dollar amount I owed. I sent the check only to find out on my next month 's payment that they would not accept it because they said they mis-figured the arears amount and said I owed an additional amount. That totally was and is not my fault. The next issue is I want to sell the house. US Bank gave me an appraisal amount, my realtor gave me an appraisal amount which they are close. Then US Bank sends another appraiser and the appraisal went up {$27000.00}!!! I was advised of this after I put my house on the market. This bank does not and will not work with their mortgage holders.
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. 

Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.
I have been doing a lot of back and forth communication with this company Card Benefit Services which are the representatives of Wells Fargo insurance claims. XXXX Wednesday, XXXX XXXX. I spoke with a representative named XXXX that seemed to understand what is going on, the call was recorded on their side and the number I used to contact was XXXX. 

I was denied compensation due to the following " The Cellular Telephone Protection Program does not cover items which have cosmetic damage or damage that does not impact the item 's ability to make or receive phone calls. '' The phone that I sent into them, does not function at all due to internal issues. It will not turn on and is non-operation. I called in to get clarification as to why they do n't cover my claim. They said it was due to the fact that they do n't cover internal/mechanical damage. 

If you take a look at the documentation I have uploaded, this is what I sent them as a rebuttal for their denial of insurance this might show a better understanding of what the situation in. 

I have called Wells Fargo for assistance on this issue, and they refused to help they stated they could n't do anything since the card was under XXXX XXXX Basically, I was denied a claim for an invalid reason. Wells Fargo insurance stipulates one thing, while Card Benefits Services claims that they follow different insurance. I have provided documentation under which I have cellular insurance provided from Wells Fargo. 

If this is n't the right agency to deal with this, could you forward this to the right agency? I just want this claimed resolved, and want it on the record that Card Benefit Services falsely denied me on a claim, and is n't following their policy. 

Case ID : XXXX XXXX
I submitted a previous case XXXX for reference. XXXX XXXX XXXX report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. XXXX then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XXXX XXXX, received XXXX XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX XXXX XXXX. Since XXXX refused to verify the debt, I contacted XXXX XXXX XXXX by phone and spoke to representative XXXX today, XXXX/XXXX/2017. She could not verify the account numbers provided from XXXX 's notice, nor look up any outstanding debt based on my name or Social Security number. 

XXXX XXXX XXXX has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided. 

If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.
This morning I received a collection call from Toyota Financial Services, from whom I lease a vehicle. They claimed I owe over {$970.00}. After over an hour on the phone, it turns out that an online banking payment was not received for XXXX. The total amount due was {$500.00}. But the collection agent acted as if I owed that amount, plus the amount due for XXXX, for which I have not yet received a statement, and which is not due until XXXX XXXX. I have never been dunned for amount for which I have not been billed. This is beyond bad customer service ; I believe that it constitutes harassment, violates the terms of the lease, and may violate federal regulations, to seek to collect amounts prior to their due date.
I have disputed my charges 3 times with Capital one on charges for XXXX XXXX XXXX that is a non existing event. I spent {$1600.00}. This event was promoted that it would be held at XXXX XXXX 's XXXX. XXXX XXXX granddaughter was one of the huge promoters for it. We were excited to plan our vacation and we were looking forward to it. Then the announcement was made that the event was NOT going to take place at XXXX XXXX XXXX XXXX. This was devastating news to us, as we were saving and planning our vacations days to attend the ranch. We found out it was canceled due to the XXXX XXXX XXXX owner not meeting his financial obligation. This is when we first disputed our charges due to the event cancelling and there was not a second location announced. Capital One refunded our money then took it back since there was a second venue announced. The 2nd venue was XXXX XXXX In XXXX that was not approved. They then had a 3rd venue was announced then cancelled due to not meeting state requirement. As of today there is not a venue for XXXX XXXX XXXX. Capital one said we disputed too soon and now it is too late. We should not pay for an event ( vacation ) that we planned that is non existing.Capital One has approved refunds to other customers. They asked me to get a claim number and name and that would help my case. I provide that in all the documentation they requested to help my case but still no refund. This event was a scam that has been on the news and well as BBB has confirmed it. I am asking for Capital One to do the right thing and refund our money. I trusted in my credit card company to protect me from fraud