WillisBack/dataset-financial-user-claim huggingface dataset:
Synchrony Bank acquired my BP account from XXXX. I had transferred a balance to XXXX on terms of 0 % interest. Each month since their acquisition, Synchrony has added completely fictitious " purchases '' and " cash advances '' in the account, on which they charge interest. It is a small amount -- {$1.00} this month, but it is clearly fraud. I have tried to get it straightened out. Sometimes they refund the interest charge and sometimes they do not.
This involves XXXX XXXX from XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The proposed agreement was to refinance my property and provide an additional line of credit in the amount of XXXX XXXX XXXX, then after i produced the plans for construction, along with the total cost of the entire project for the building with condos on top of an existing structure, then we would move to funding the cost of construction of the condos which at that point i would be paying interest only while under construction.Then XXXX XXXX explained to me that after construction the loan it would be made permanent, however XXXX would take their money off the sale of the unites first to be made whole. 
However everything which was said i was in total agreement with he stated he would get back with us within a weeks time, so within that nexts weeks period he stated its approved and he would have a term sheet, so when XXXX XXXX and XXXX XXXX came to my office he stated what i should sell the condo for and also stated to me that i will have my term sheet and he would start getting the appraisal put out for bid, and he would return on tuesday because monday the banks are closed due to presidents day but very importantly he stated we would have the term sheet on tuesday.however on friday when he seen i was XXXX XXXX after he came to my office, He goggled me and said he read some articles in the paper regarding an civil matter which was XXXX XXXX XXXX on me and said i needed to provide documents about that to get the deal done.So let 's keep in mind that we were just approved and closed on a XXXX loan inXX/XX/XXXX, However my wife owns this company and she is a double minority, This to me is totally XXXX discriminatory practices in addition to redlining to name a few. when is it the banks protocol to XXXX someone for the basics of a loan.In addition there are no XXXX XXXX in XXXX Pa, Doing construction, for that matter or even being a business owner. why because XXXX pennsylvania doesn't help promote or assist XXXX XXXX with becoming or even assisting with developments of business in this region of the state, Their belief is all an XXXX XXXX can to is work 9 to 5 not for ones self.In my humble opinion its banking practices like this which XXXX, institutes and Believes in and practices are XXXX and in these times should not be tolerated period.
The service was provided by XXXX XXXX, and paid in full at location. Now the account was sold or transfer to Gulf Coast Collection Bureau and reported to the credit bureau XXXX as an Open Collection for {$310.00}. Affecting negatively and unfairly my credit history and subsequently my credit score. I called XXXX XXXX at their billing department, and she confirmed the account was paid in full, therefore there is no reason for them to send my account to collection.
In 2012 I owned a property at XXXX XXXX XXXX XXXX XXXX SC, XXXX, it was in arrears and headed for forclousure, I was sent a letter from Chase that they would buy the property at {$34000.00} if it passed inspection and release me from the mortgage with no detrement to my credit. I am trying to purchase a home at this time and they have reported it as a Deed in Lue, this was not what I was told I spoke to Chase this am and they said that I signed papers to that effect, I did not read the papers and went on the facts that I was told by there rep over the phone,
I mailed a payment to NAVIENT in the amount of {$1000.00} to pay down my never ending balance.
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My check was cashed, however, there was no reflection on my student loan balance that a payment was made. I 'm continuing to accrue interest.
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I reached out to Navient to see what was going on. They never reached out to me to tell me. If I had n't have reached out, who knows what would have happened.
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I was told I mailed the check to the wrong Navient address-still within Navient, but the wrong department. My check will be held for 30 days and then it may take 4-6 weeks for me to see my refund ... all while my balance is still there and I 'm still accruing interest.
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This company is deceitful and unethical. All I 've been trying to do is pay my balance rid this company from my life, and it seems they fight me every step of the way!
Had an online car rental reservation from XX/XX/XXXX to XX/XX/XXXX for a total of {$180.00} which was paid in full on XX/XX/2018. Attached is a copy of the reservation with terms of agreement.

The rental company put another charge of {$220.00} on my credit card ( XXXX CitiVisa card ) in XX/XX/XXXX/XX/XX/XXXX without explanation. Subsequently filed a dispute on that charge with CitiVisa and they repeatedly made resolution not in my favor for the reason that the card was presented for a charge but can not provide written documentation that I authorized that charge. It was explained to CitiVisa that the present of the card was at the airport when the vehicle was picked up and was told it was for a security deposit hold for the car.There was no mention of that {$220.00} charge at any point until it shown up on my account. If that alleged charge has been part of the rental price, why wasn't that amount reflected upfront when the reservation was made. To me, this charge is a fraud and/or security breach of the use of my card.
I made a transaction on XXXX XXXX, 2016 on the internet to XXXX using the checkout merchant provided by them called " Skrill '' and the merchant charged my checking account twice for the transaction. The original charge to the company XXXX XXXX was XXXX equaling out to {$600.00}. The merchant then again charged my account yesterday XXXX XXXX, 2016 for {$610.00} to them ( Skrill ). I dont have any connections with them at all outside of that one transaction to XXXX on XXXX/XXXX/16. I contacted XXXX and they verified that they only charged my account once by them and that they only received one payment. They sent me the invoices and the transaction details of everything on their end and it confirms that I was only charged once by them. On my bank statement it shows that only one charge through XXXX associated with Skrill was made. I tried contacting skrill by phone and email and couldnt get any response. The phone line was automated and when i tried emailing them and they replied with sorry we dont know you you arent registered with us and that is true I am not registered with them so that is how I know I should n't be getting charged with them and they should be taking money out of my account or have my checking account credentials. I have the documents to everything I stated showing everything within the process. The charge that Skrill made on my account to them on XXXX/XXXX/16 came out of nowhere and I didnt make that charge they charge my account for it as if I had bought from XXXX XXXX again but Skrill didnt get the amount right and it was titled wrong. The real charge was stated on my bank statement was listed as XXXX XXXX XXXX XXXX XXXX which was the {$600.00} stating both the merchant ( skrill ) and the seller ( XXXX ) and now I have the other charge which wasnt made by me of {$610.00} from SKRILL XXXX XXXX XXXX and I didnt have anything to do with skrill or have an account with them for them to have my debit card information to charge. The only time my card info was used was when I was directed to the Skrill checkout for checking out on logic templates website.
My complaint is against Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX 1. On XX/XX/2018, I initiated a transaction with XXXX and placed and order for an amount of {$260.00}. Soon after that I called and modified the order and the charge was {$220.00}. However, XXXX processed both charges, when only the {$220.00} was the valid one. 

2. I called XXXX and they promised to refund the charge. I have email correspondence with XXXX validating that there was an error on their part. However, after waiting for 2 months I disputed the charge with Citibank explaining the reason for the dispute. 

3. Instead for honoring my dispute that that merchant agreed to Citi denied my dispute I had claimed on one of the transactions from XXXX. 

XXXX. The XXXX charges are XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   {$220.00} Valid & Correct. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX {$260.00} Should be refunded. 

I have sent letter to Citi with copies of the emails from XXXX. I also contacted them via XXXX, where I was promised a response. 

I appreciate any help in resolution of this issue.
I recived a debit warning from Transworld Systens informing I own a debit to XXXX XXXX XXXX XXXX  - Second, amont US {$1700.00}. 

I never rented a car in this company, they spell my last nome wrong. There wans't another informations as a invoice, date, or anyelse infomation that could make this debit real. 

I saw a lot of reviews about this colector company send fake bills. 

I'm not a american resident, I'm a tourist who come twice a year to spend vacations. The attempt to collect a debit was mail to my vacation home. 

I'm attached the attempt collect debit. 

I dont know what to do. I apreciate some instrution about what to do. 

Regards XXXX
I tried to dispute several credit inquiries with the XXXX major credit bureaus. They informed me I must contact the source of the inquire to dispute. I sent a certified letter to each creditor at they address they chose to list on their inquire. I explained I do not recall applying for credit at their place of business, I explained however if they found I was in remiss to send any and all supporting documents to me so I could review. I did not receive a response from XXXX of the creditors listed. I provided all credit bureaus with a copy of the letter I sent to the creditors and the page showing they signed for said letter, which reflected their thirty days had transpired to respond. The credit agencies are still refusing to delete, I did everything I am required to do by law.
There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.
My Bank of America credit card BankAmericard Visa Platinum Plus - XXXX was stolen. Somebody went on a shopping spree in XXXX. Once I discovered the fraud, I immediately started calling Bank of America every day, sometimes 2-3 times a day. naturally, every time I called, I got different answers to the same question. Finally, after a giant amount of wasted time, Bank of America filed fraud for some of the transactions and willfully failed to exclude some additional transactions, all happening in XXXX while I was in the US. Walking to a banking center proved useless, as employees said they could not help with a credit card dispute. Bank of America is so " big to fail and even bigger to jail '', that their " customer service '' does not know how to handle fraud claims and the different departments handling fraud, have no idea of customer service. My same card was previously compromised several times, even during transit, when I had not yet received their replacement. In a nutshell, dealing with Bank of America is extremely time consuming and beyond frustrating. Additionally, average wait times vary between 15 & 45 minutes, of course with the usual slim excuse : " Your business is important to us, please continue to hold ... '' On top of that, I spent easily 50 hours online, trying unsuccessfully to file fraud claims myself for all the charges, resulting from my stolen card, and naturally, I was not able to. I have told them at least 20 times that all transactions from XX/XX/2018 onward should be marked as fraud, and so far, I have not been successful. I am attaching a statement from their web site for your reference, thanks!
I purchased my vehicle from XXXX XXXX in XXXX and financed my purchase through Nissan Acceptance Corp on XX/XX/XXXX. At that time, I resided in Texas and my vehicle was titled and registered in that state. I moved from XXXX to XXXX in XX/XX/XXXX and my registration was good through XX/XX/XXXX. Knowing my registration was due to expire, I took a day off work on XX/XX/XXXX and drove XXXX miles to the XXXX XXXX XXXX Department to get my title and registration transfered. I worked with XXXX MVD employee, XXXX, and she advised Nissan needed to release my title in order for my registration to be renewed. XXXX attempted to call Nissan around XXXX. After several minutes on hold, me and my boyfriend called from our personal cell phones trying to get through to the same number. Nissan kept us all on hold saying, " We are sorry for the delay, but due to our new website you will be experiencing longer waits. '' XXXX was forced to hang up after quite some time in order to help other customers. Instead she faxed the request to Nissan. However, my boyfriend and I stayed on hold from our cell phones for over XXXX hours waiting for Nissan, but no-one ever answered. Since then I 've tried diligently to get a hold of Nissan and even reached out to the dealer where I purchased the car. On XX/XX/XXXX, I contacted XXXX XXXX in XXXX and explained my situation. They said one of the finance officers would call me, but I never heard back from them. I finally got a hold of someone at XXXX XXXX and they gave me a phone number for Nissan that is disconnected. I continued to call Nissan on several other occasions, XX/XX/XXXX & XX/XX/XXXX and encountered the same message about the long wait period due to there new website. On XX/XX/XXXX, I called the XXXX Department of Transportation and was told they were not holding up the process, the title release request was pending with Nissan and I just had to wait. On XX/XX/XXXX, I enlisted help from the local Nissan dealership here in XXXX, XXXX. I spoke with their title representative, XXXX, who offered to help me. XX/XX/XXXX i sent XXXX more info. She sent me a message that she was still trying to get a hold of Nissan. Another week later, she sent me a message that was finally able to get in contact with Nissan and they said they never received the request to release my title. XXXX contacted the XXXX XXXX, who confirmed they submitted the original request to Nissan and requested they submit the request AGAIN. I still have not heard from anyone about said matter and it is XXXX XXXXXXXXXXXX
Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )
This company called me on my professional work line which routed through my manager. My manager informed me I had a personal telephone call because the collection company refused to release even their name. The caller 's first name was XXXX. I received punishment at work for allowing personal calls to come on my professional work telephone line.
In an attempt to pay down the principal balance on our mortgage, we have been paying extra money on our mortgage payments. Wells Fargo, however, is not applying the payments to our mortgage or even to the account at all. They are holding the money as " unapplied funds ''. They claim they can do this as we are allegedly a month behind ( we are n't ) and the deed of trust says they can do this. We have been unable to find where this alleged language is in our deed of trust. We have told them to apply the funds to the principal balance or to refund the money to us. They have continued to hold the money as " unapplied funds '' while charging us late fees. We have read the Deed of Trust which they refer to in their X/XX/17 and can not identify any language saying they can hold this money. Wells Fargo continues to send us monthly statements showing they are holding this money that we have sent for application to our mortgage payment. There is no reason for this money to not be applied to the account, especially if, as they allege, we are behind in payments.
360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified.
I bought a coin from XXXX XXXX..I placed payment with my credit card company.. I did not receive product after reasonable time and placed a dispute with credit card company and payment to XXXX XXXX, XXXX TX. After extended time and communication with XXXX XXXX.. Received product. I called both credit card company and XXXX XXXX to release funds to XXXX XXXX. All XXXX had to do was contact my credit card company and funds would be released.. They failed to do that.. I contacted XXXX XXXX and they said they never ran into this problem and did n't know what to do ... Ha Ha ... I then contacted my credit card company and they cancelled the transaction. I then sent XXXX XXXX a check for the full amount. It was sent Priority Mail with delivery confirmation. It was delivered on XX/XX/XXXX ... As of this date they have not cashed the check ... .... But they did turn my name over to a collection agency Caine & Weiner ... That company wants payment threatening to send in a negative report to the credit bureau ... Along with that phone calls.to my home and cell .... I have attempted to pay XXXX and for whatever reason they will not cash my check.. I have no intention of paying to have the check cancelled and sending one to this supposed collection agency.. I just want them to cash my check and leave me alone.. FYI there are an outlandish amount of alerts for deceptive business practices filed against XXXX .... Not sending products paid for .... Saying products returned were nothing but empty envelopes .... Changing prices for products after purchase ... An interesting note is XXXX XXXX will not respond to communication attempts ... However they did send my name to a collection agency in less than 45 days from my initial purchase .... And without contacting me first .... A little quick on the trigger ...
While looking over my credit report I noticed I C System listed on my credit report. I have no idea what this debt is and it has not been communicated to me. This has caused stress and loss of potential income. The debt does not belong to me.
This letter is being sent to you in response to a listing on my credit report from EQUIFAX. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.
Transworld Systems Incorporated contacted me about an outstanding bill. My remaining balance on the bill was {$XXXX}. XXXX paid the remainder. I paid the outstanding balance yet a few days later the bill was on my credit report. I asked Transworld to mail me a receipt of the payment and they claimed it would take 30 days to get the receipt. I need the receipt sooner to get this note off of my XXXX report. I called back to complain and they said it would take 7-10 days. I 'm not sure what to believe ...