WillisBack/dataset-financial-user-claim huggingface dataset:
I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.
Dear Sir or Madam : This item American Education Services/XXXX XXXX ( AES ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXXwhen I contacted AES/XXXX XXXX at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get AES/XXXX XXXX to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

AESXXXX XXXX also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted AESXXXX XXXX and asked them to remove the account form my credit and they refused. I filed complaints with the three credit  reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to AESXXXX XXXX and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX Payment History and Bill Payee Account Info ; XXXX XXXX XXXX Call Logs.
Well it started when I asked Experian to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and XXXX has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old Experian account before they doctored the results. XXXX has it wrong to.
I had an equity loan with Bank of America that was paid off on XXXX/XXXX/16. I have requested NUMEROUS times for them to send me an accounting of the figures closing out the loan. I believe it is call the Truth and Lending statement. They have continually refused and previously I complained to you because they refused to give me any information on this loan other than charging me an outrageous amount of interest that they did not break down or define at how it was arrived at. My prior case with you is, XXXX # XXXX. I received a letter from Bank of America today from their department that handles loans discharged in bankruptcy and has to do with my default. My loan has been paid in full. All I want is an accurate accounting of the end figures on that loan and now they have it in the resolution department in discharging a debt. I DEMAND FROM THEM A TRUTH AND LENDING STATEMENT AS TO WHAT HAPPENED AFTER MY LAST MONTHLY PAYMENT OF THE LOAN. i HAVE NOT DEFAULTED ON ANY LOAN AND IT HAS BEEN PAID IN FULL AND ACTUALLY HAS BEEN OVERPAID. I would also like to know Bank of America 's usual practices when a loan is paid off and how many XXXX people they are ripping off. Thank you for looking into this matter for me. XXXX XXXX XXXX
I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a {$30.00} fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments have gone from about {$30.00} a month to a current minimum of {$82.00} dollars. When I called customer service to discuss this with Synchrony, they did nothing to resolve the problem and simply demanded that I pay the {$82.00} by XX/XX/XXXX. I pointed out that when I use pay my other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named XXXX, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. 

Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.
Please remove the current debt listed on XXXX and XXXX being that the debt was removed and is no longer listed on XXXX. I Am asking that you honor the XXXX report and its removal of the debt.
Your case ID is : XXXX My name is XXXX XXXX and my account was limited with {$420.00} I was advised Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I also called customer service for assistance. I tried withdrawing funds and it would not allow funds to be released.
I have been trying since XXXX XXXX, 2019 to get the second disbursement of my NFIP flood claim funds. My contractor is out of money and we are trying to get back in our home which was destroyed by Hurricane Florence. 
My loan number is XXXX and tracking number XXXX. 
The company is PennyMac, XXXX XXXX XXXX, XXXX XXXX, Ca. 
XXXX and XXXX www.pennymacusa.com
I use   XXXX   to get extra cash but chase bank does n't show a report of my transactions on time and it 's causing me overdraft
I am contacting your agency in hopes you can help me dispute my {$10000.00} charge on my Capital One for this fraudulent company called XXXX. I was contacted by XXXX in XXXX about creating an XXXX website. He assured me that XXXX was the right company to build this site for me. I paid him {$5000.00} for this XXXX website and training on XX/XX/XXXX, and then another {$5000.00} on XX/XX/XXXX. Not once did he tell me that it would be my responsibility to add the pictures and find dropshippers. I find the fact that this information was not disclosed as flat out deceitful and possibly illegal. Four months later {$10000.00} in the hole I have nothing more than an incomplete website that while it may be nice to look at it, it is not the functional XXXX site as I was sold. They are not legitimate and they are incapable of fulfilling their promises. They have illegally obtained my business and I believe I am entitled to a refund since they did not provide the services as described. I tried to resolve this matter directly with them and they ignored all my requests. I sent them a certified letter, I tried to call them and they do not return any of my calls. What kind of company sells you a service and disappear after, leaving you without any answer or support?
While reviewing my XXXX credit report ( XXXX/XXXX/2015 ), and, XXXX ( XXXX/XXXX/2015 ), I noticed that an unauthorized and fraudulent inquiries were conducted on my personal file by AMERICAN EXPRESS employees. I did not authorize this inquiries at any time relevant period. This inquiries were as a direct result of ID THEFT, thus, were fraudulent and without my permission and/or consent. American EXPRESS must know that such conducts by it`s employees were in clear violation of my Privacy Right and FCRA.This has continued to adversely affect me obtaining credit ; housing and meaningful employment.
On XX/XX/XXXX, I made a payment for hotel and flight reservations with my American Express card ( AE ) to XXXX, its travel agent, XXXX XXXX, located in XXXX, Oregon. 
On XX/XX/XXXX, I contacted the travel agent to cancel all of my reservations and request a full refund of {$2000.00} for the hotel. I have been disputing this charge with AE since XX/XX/XXXX to date with no resolution. 
In one of the attached emails dated XX/XX/XXXX, I was informed for the first time, that the hotel reservation was a non-refundable transaction. Though the transaction occurred on XX/XX/XXXX. Therefore, this is the problem I have been disputing with all parties involved, including AE, that the agent failed to communicate to me, either in writing or verbally, of any cancellation/refund policy. 
I do not believe I should be penalized for someone else 's negligence failing to notify its customer of any cancellation/refund policies. Neither did XXXX XXXX inform me of any third party provider of services until I received the vouchers issued by XXXX. And XXXX, upon its response letter to AE on XX/XX/XXXX. XXXX XXXX received her commission. Travel Bound received its payment. And I am stuck with a {$2000.00} AE bill due to someone 's ineptitude. No one is taking responsibility for failing to lawfully inform the customers of its business ' policies. 
On three ( 3 ) occasions, I have disputed this charge with AE. On three occasions, AE has informed me there is nothing more they can do to get the refund from the parties involved. As recent as XX/XX/XXXX, I was contacted by XXXX XXXX, American Express Executive Customer Care with the same response as before. I have observed a lack of protection towards its customer from AE. Evidently, AE has easily accepted a snapshot received from XXXX and XXXX as sufficient evidence to rule in their favor. I have provided written emails evidence to all noting that XXXX XXXX failed in her fiduciary duty to inform me, anytime prior to finalizing the transaction with XXXX. My evidence has been completely ignored. 
At no time did she mention any cancellation/refund policy. I have repeatedly requested all parties to provide me with written or verbal evidence that I was dutifully informed of their policies. All have chosen to ignore my request including AE. 
XXXX provided a refund of {$25.00} on the first dispute. I have asked for an explanation for the refund. Also, it has not been addressed in either of their response. 
Additionally, I am extremely dissatisfied with AE 's poor customer service support. During this dispute, I have observed a lack of support or protection towards its customer. 
I have also noticed XXXX website states their hotel cancellation/refund policy. If canceled 72 hrs or more, full refund. I canceled beyond that timeframe. I find this a deceitful practice to customers. I am requesting XXXX to provide a written explanation of the contradiction of this policy and its refusal to issue a full refund.
On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code.
Recently reviewed credit report stating that I owe a debt with Cash Central that being collected by XXXX XXXX XXXX. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.
I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me.
I object to the failure of Equifax to protect my personal information, which was by the company 's own admission likely compromised by the hack into its system earlier this week ( Week of XXXX XXXX, 2017 ). While the company has attempted to fix this problem, no fix is possible when a credit reporting firm that is singularly capable of exposing me to the most significant ID theft ca n't protect its own data.
Louisiana Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Received a debt collecting letter from TRANSWORLD SYSTEMS INC. for a total of XXXX The letter was addressed to " NONE '' and the only telephone number for the company is a nonworking extension. 

I do n't know what to do about this or what it is even for.
I am requesting that Experian remove the address listed on the Experian Credit File, history : XXXX XXXX XXXX XXXX, XXXX, WA XXXX
I have disputed two accounts that I will list below with experian and they have failed to provide proof that these companies are accurate reporting ... the companies one sold its rights not to the debt they claim I owe but the company that owned them and the new company for XXXX XXXX is a company called XXXX, XXXX told me that XXXX XXXX was the previous owner of the account and they do not have any information on that account reported so please dispute with any reporting agencies that has this information .... so that the reason for this because Ive not gotten anywhere ... 

The second account is XXXX this company has been a joke with communication sending me statements every time I asked to prove I owe the debt, clearly they have no proof, because I never opened a account with them, they said the account was opened on the internet clearly fraudulently. The account must be removed the information that XXXX sends me is not valid so no way the credit bureau experian should have been accepting this information as proof, as per FCRA and FDCPA, nothing about the information is accurate or complete, experian position is that they are not the ones that placed the adverse information the furnisher did, however even so you are required per FCRA to make sure all information given is not 92 % accurate but 100 %, in this case the information is 0 % accurate ... 

Please delete following accounts : XXXX XXXX : {$580.00} opened online no signed agreement XXXX XXXX  : {$0.00} charged off furnisher cant verify the account and its not mines I need it removed ... 

XXXX : {$490.00} well this account they sent notice to experian to delete the account I have also submitted the paperwork, I need it gone no procrastination, I should not have to wait for information that does not belong on my file to be removed its causing me pain in my financial and personal life ...
this is my story i had a acct with a bank called XXXX last year, XXXX night when it was late and i was bored i went checking out dating sites to see who offered trial memberships, cause i had very little money in my acct. so i found a place called XXXX i believe they offered a 3 day trial for like XXXX and change or XXXX and change, now knowing i could not join for a month plus i did not just want to i checked there 3 day trial period put in my info hit submt, next thing i know it shows on my comp i successfully upgraded to 6 months for XXXX i almost dropped dead. i immed called them told them this was there error correct it at once they were very rude nasty and hung up. the following day i called XXXX bank explained what happened they said they would dispute it. well end result was the bank took the merchants word over mine, why in gods name would i sign up for a 6 mo membership at that price when i only had about XXXX dollars in my acctso because i believe i was treated unfairly by the bank and they took a complete stranger say so over there customer i closed the acct, since that day they have continued to add charges to the orig wrong amount that now its over XXXX XXXX dollars. now a collection agency is threatening me with action unless i pay this immediately there name is cbhv located in XXXX ny, i sent them a letter telling them the bank was at fault not me but even though i was not at fault i was still willing to work something out but not for over XXXX hunfred dollars, they if not today should rec this letter this week, in todays mail another letter came telling me i have 7 days to pay or whatever, so i tried to call the office and explain my situation and work out some kind of agreement even though again i was not wrong. i called them 4 times said who i was each time they hung up so now im fed up with them period. i want complaints filed against them as many as you can.. there phone number is XXXX XXXX XXXX if you call good luck you are gon na need it. what i had intentions of doing which i stated in my letter i sent to them even though this whols matter was not my XXXX im no fool and choose to not be treated as XXXX. the name of that site i believe exactly was XXXX is to split the difference, but im on a fixed income ss XXXX and have many bills to pay here this so called collection co i call the XXXX artists when i called 4 times and was hung up om didnt even let me say a word, i feel first i was in the right all along and was not believed then even when i was willing to compromise and split the diff only over a period of time and was hung up on 4 times they deserve nothing no longer. but if they are willing to talk ill listen but it has to be on my terms any help you can give me will be great im no fool and im not gon na be treated as XXXX by anyone. the name of that site i believe is XXXX i think any assistance you can give me would be greatly appreciated. ty regards. XXXX XXXX my email XXXXXXXXXXXX or phone XXXX ty again XXXX XXXX
We financed a car with Tidewater XXXX XXXX in XXXX XXXX and did well with payments until we hit a financial wall. We then went through their fresh start to remove any past due payments and start over with making on time payments. Our car was repossessed by Tidewater XXXX XXXX in XXXX XXXX three days AFTER we made the agreed upon payment and setup our next arrangements. It was sold within 2 weeks. We offered on many occasions to work out a payment plan but due to lack of employment the amount was significant enough for them to agree to anything. We applied for a mortgage and discovered a judgement on our credit report from Tidewater XXXX XXXX through XXXX County and them filing a lawsuit against us. We were never served any documents and unable to respond to anything in court. The first paper we received was from their attorney that they tried to serve us and were unsuccessful. The paperwork states that someone knocked and no one would answer despite noise inside ( this is false ). The paperwork also states that someone answered the door and said they were our roommate ( again, false. We have never had a roommate and know no one fitting the description that they mentioned ). I did n't hear or receive anything from them until I received paperwork saying that a judgement had been entered by XXXX County Court. Along with the judgement, Tidewater has not charged off the account and still reports monthly to the credit bureaus.
I paid this debt a year ago, and it was removed from my credit report. Then a new amount was added two months later. When I attempt to contact the company it says the phones are not in service, and the pay my bill link on the website is a false link. I want this derogatory remark removed from my credit history, especially after paying {$200.00} to this company. It seems as if they dont even exist however, aside from on my credit report.
i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX and experian but still showing on my XXXX XXXX, the account is from Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my experian report which is simular to my problem with XXXX report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/XXXX XXXX
They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.
Even though Navient set, mandatory monthly interest payments have been paid, my total repayment amount has increased due to massive interest increases. My repayment went from {$45000.00} to {$52000.00} in a year. How can this happen? I 'll never be able to have a life. Help me.
during the first 4 months of this year i fell ill and was forced to retire from my job and start collecting ss so in essence i had reduced income during this period while waiting for the ss to kick in unable to make mortgage pmts because of change in my income repeatedly denied a loan modification stating no change in finacial position