WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with my pnc bank after I was charged for a hotel room that i canceled. I received a e mail with a cancelation code also.what I now belive happened was I was online booking my room and put in all my info credit card number name everything and waited for it to process and give me my confirmation information/ number.and it took a minute or so and went back to the main screen that I started on with none of my info in it. So I put all my information in it again put in for the same style room and requested top / high floor again exactly as I did 2 minutes before .I summit 's it and got my confirmation info within seconds .I received a e mail also with my hotel info .it has stated I had XXXX room reserved on XXXX XXXX .on XXXX XXXX I went on hotel webite and canceled my reservation for my room.I received a e mail also stating that my room is cancelled and with a cancellation number.I ended up staying in another quality suites on XXXX XXXX that was near the XXXX I canceled.but did't make that reservation untill XXXX the night of the stay. On Sunday XXXX XXXX I seen on my virual wallet bank app that I was charged {$160.00} for the room I cancelled. I called the hotel directly at XXXX and told them the situation they told me I had XXXX rooms under my name that XXXX was cancelled and XXXX was a no show. XXXX of the exact same rooms booked XXXX minutes apart.i expained I did't book XXXX rooms only the XXXX and I canceled it 5 days before my arrival date. They told me to call the XXXX number and they Can help me I was on phone for over a hour and got transferred to XXXX different people the last person being some kind of supervisor she told me that there was nothing she could do because it showed in their system that I had XXXX rooms booked and only XXXX was cancelled. She told me the date and time I made the reservations and the time was literally XXXX minutes apart. I explained that their reservation page timed out or freezed up not sure what happened but didt process the first time I tried making the reservation but did not receive a confirmation number or anything just went back to the main screen .So I did it all over again and got my hotel summary for the XXXX room and had to idea that the first room was ever booked .I did't receive a e mail for XXXX rooms only the XXXX .anyway she said she couldt refund it .So I went to pnc bank the next day Monday XXXX XXXX and filled the dispute. I sent in all the documents and info I thought would help but 6 weeks later I got a letter stating that the bank was going to take {$160.00} out of my account the next day on XXXX XXXX. It was send out the XXXX of XXXX but by the time I received it in the mail it was already the XXXX so I had a 7 hour warning of them pulling the funds out. As of now the funds are back out of my account. The dispute division said that they consider this case closed.
Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.
XXXX XXXX XXXX XXXX has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new XXXX in XXXX XXXX!
THIS COMPANY XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX SENT EXPERIAN AND XXXX PUT A COLLECTION ON MY ACCOUNT WITHOUT ANY NOTICATION. THIS IS A FRAUD ACCOUNT, NO PAPERWORK WITH SIGNATURES, COPY OF SOCIAL SECURITY AND CONTRACT TO PUT THIS KIND OF INFORMATION ON MY CREDIT REPORT.THIS IS A FRAUD ACCOUNT AND A COLLECTION COMPANY WHO IS NOT PLAYING BY FEDERAL LAWS DEALING WITH FAIR CREDIT REPORTING AGENCY. LAWS ARE HERE TO PROTECT ALL OF US NOT JUST A FEW WHO CAN BEND AND BREAK LAW WHEN IT FIT COMPANY. THEY SHOULD BE FINED AND LOOK INTO. THIS IS NOT RIGHT
Please follow this letter thread as my description and Coinbase 's response, which I have not heard back from them on since. 

RE : XXXX XXXX # XXXX # # # # # # # # # # # Dear Sirs, I made a wire transfer that was issued on XX/XX/XXXX and received into the Coinbase accounts by XXXX XXXX XXXX  on the same day. 
I have been attempting to locate this wire via my credit union since before the holidays without any luck. 
As of today, XX/XX/XXXX, I was able to verify with XXXX XXXX XXXX that the funds were received on the wire date. 
The monies in question, {$2900.00}, are intended to go to either my XXXX account under the name of [ Name ], or can be issued to my Coinbase account under the same name. As of today, they still are not credited to either XXXX or Coinbase. 
As you can imagine, this is a completely unprofessional and unreasonable amount of time for nothing to be showing up in my account ( s ) and I expect that there will not be any fees applied once the funds are found and credited. Of course, if this does not happen, my next course of action and compensation for this delay will be through legal means. 
Please have a representative get back to me by phone AND email regarding these funds, and what course of action will be taken. 
My phone number is xxx-xxx-xxxx. If a message is left, I need a direct line and extension number to respond. 

Regards, [ Name ] Response # 1 After phone call and email to priority support. 
" Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Response # 2 After phone call 10 days later, on XX/XX/XXXX " Hi again [ Name ], Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

Once your request is cleared, well be sure to follow up. 

Thanks so much for your patience and for working with us on this. 


They have had my money now for 60 plus days, with no acknowledgement whatsoever that they have received it, much less taking action to do something with it be it a refund or credit into my account ( with compensation of some sort for all this trouble ) I want my money back with interested/compensation.
On X/XX/2017, XXXX was contacted regarding information being reported on my consumer report from Early Warning Services. They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by EWS, and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number XXXX.
Hello i have a rushcard my money was deposit into my account unable to retrieve my funds rushcard said that it will be up and running but i keep calling ca n't get threw ...
In 2017, I cancelled a gym membership with " XXXX XXXX ''. ( XXXX XXXX XXXX XXXX, XXXX, RI XXXX ) The terms of my agreement allowed me to cancel my membership if moving outside an area covered by an XXXX XXXX  franchise location. Two years after cancelling my membership, I'm receiving debt collection messages from TWO different debt collection firms. I responded to the first debt collection firm and they stated they would follow up with information validating the debt. They never did. I'm now receiving debt collection mail from another firm. ( More than one year later from my cancellation date ).
I have requested verification of debt that I do not owe and the company will not send me this information however they keep sending me letters for an account that is not mine.
In XXXX of XXXX we sent in a letter requesting hardship due to XXXX medical bills. Our mortgage was instantly sold to BSI financial. Our XXXX statement from BSI shows a fee of {$120.00} with no explaination. Also a 90 day insurance binder of {$1200.00} was added to our mortgage even though the previous servicer paid our home owners insurance out of escrow on XXXX XXXX, XXXX. They are giving us no answers and will not tell us if our insurance declaration has been received. Also upon calling them regarding the insurance they say they do not have our account even though they sent us the letter. I feel they know our hardship and are trying to raise or mortgage payment thru escrow manipulation so we default.
My account is reporting 30 Days Late with a late payment in XX/XX/XXXX which is incorrect. This issue is specific to TransUnion reporting and has been previously disputed. My due date is the XX/XX/XXXX of each month. XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time and XX/XX/XXXX and XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time. The issue has not been permanently resolved. Per Transunion, XXXX is not sending updated payment history for each month. There has been no payment history updated since XX/XX/XXXX for Transunion. XXXX and XXXX have up to date current information.
Hello my name is XXXX XXXX and I am disputing inaccurate information found on my report for the following errors, there is an error showing me with a criminal history with a previous arrest record. I have never experienced this situation and also I am a victim of stolen identity.
Chase credit card online changed their website. It used to be that I could schedule a payment date. This time, it took my payment immediately effective today for over {$3000.00}. I called immediately, answered security questions. She was unable to cancel the payment. The place online where I was directed didn't work. I was transferred to another department, answered her many security questions and was again told she couldn't cancel the payment and that there was no recourse.
All payments are being made using online banking with XXXX. 
Took out the loan in XXXX 2016 with Santander Consumer USA and started making payments in XXXX. The due date is the XXXX of the month and the online banking was set to credit them on the XXXX. 
In the 8 months that I have been paying on this loan the company has lost my payments 4 times and the payment of {$500.00} made in XXXX is still not credited to my account. They have also credited a payment to my account that I never made and have since removed that payment. I have late fees and extra interest owed. My bank has contacted them and sent proof of payment and still no one knows where my {$500.00} payment is. My fear is that my credit rating will suffer because of their incompentence.
A year ago I was contacted by a company that said I owed them for a health club bill that was paid. With the help of a family friend I wrote a letter requested validation of debt and they stopped calling. This week I was contacted by XXXX ''. They told me I was going to be served and I should contact XXXX. I called the number and they answered the phone " claims office ''. I was scared so I gave them my credit card information. I then called my dad who told me to cancel the payment because that did n't sound legal so I did. Today I received more calls from XXXX XXXX at " XXXX '' an unknown number who told me they were going to serve me today. I checked the NY XXXX XXXX XXXX website and found no company under this name. I also received a letter from American Credit Resolution. The letter offered me a settlement but never offered my the opportunity to get verification. I believe the company failed to provide me validation of debt. I believe the employees of the XXXX were actually employees of American Credit Resolution. I believe they misrepresented themselves and this was a veiled threat since I thought I was going to be sued.
I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now XXXX company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX
I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories, devaluating my rewards by XXXX %. Over time the monetary value lost in rewards may be higher than {$500.00}. 

I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition, but I was not given any option.
Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX   office on multiple occasions and have not received any call back from anyone.
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
I had a XXXX XXXX bill that was settled and paid through Debt Recovery Solutions. <P/>Yet they refuse to send me acknowledgement that the debt was paid, and fail to report it as paid through the 3 credit bureaus. <P/>I paid the first installment on XX/XX/XXXX and the final installment on XX/XX/XXXX. <P/>I have called several times they acknowledge the debt is paid and I am not liable for the account, failed to send me notification through email or regular mail. Also making false statements to XXXX and XXXX saying I still owe.
Chase credit started running my credit without my authorization several months back. I called and spoke with someone at Chase and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. Chase continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from Chase. I have asked numerous times for this to stop, but Chase continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but Chase has done nothing. 


CHASE CARD Bank XXXX XXXX, XXXX CHASE CARD Bank XXXX XXXX, XXXX
XXXX/XXXX/XXXX {$400.00} I called numerous times and no-one answered
On XX/XX/2019, XXXX, agent of Gatestone Company, International, contacted my tenant via telephone and discussed a debt I allegedly owe XXXX XXXX, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with Gatestone Company to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is Gatestone Company. As such, the complaint against XXXX  may be withdrawn.
I obtained a copy of my credit file around XXXX XXXX and filed a dispute through the credit bureaus against Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX, XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Nissan Motor Acceptance has not responded to my request. I am asking that you please look into this matter and have them remove this derogatory rating. The account was paid off in full and never late.
XXXX XXXX Sheriff Dept delivered foreclosure proceeding for a lost note on XXXX/XXXX/XXXX. The law office handling the case also sent a notice to all tenants on XXXX/XXXX/XXXX pertaining to foreclosure actions which is another case. No resolution or settlement was met pertaining to actions to take place at any time after XXXX XXXX, XXXX pertaining to alleged lost note affidavit filed in Circuit Court as recorded on XXXX XXXX, XXXX. The reverse mortgage originated in the amount of {$300000.00} is a credit line that was not advanced and/or any portion thereof at any time between XXXX and XXXX as alleged.
After multiple attempts to resolve the problem, we spoke on the phone with Shellpoint Mortgage on XXXX. They finally informed us they had no intention of paying our real property taxes as they were dealing with a third party provider who was collecting data from the previous lender ( this had not been conveyed to us in prior conversations ). We informed Shellpoint we had emailed them a copy of our property taxes ( based upon a previous phone conversation ) on XXXX XXXX, 2015 and receipt was acknowledged. Due to the late date ( taxes are due XXXX XXXX, since we had no confidence in Shellpoint, and since we were told they were not going to pay our taxes, we went ahead and paid them ourselves, incurring a 2.45 % credit card fee, since failure to pay on time could result in injury to our credit rating. This could impact our security clearance possibly resulting in job loss.
Equifax ca n't give me the report in 2017 XXXX I fax their my san card id many times still can not buy
B of A continues to discriminate against XXXX XXXX based on his race, language, nation origin. We have attempted to rectify the numerous issues he has encountered with B of A to no avail. We previously submitted a complaint with regards to the failed loan modification review from XXXX 2016. B of A held on to the file for months stating the file was being reviewed before they finally admitted they were refusing to review the file. The run around for the mod review in XXXX 2016 was due to a Social security/ tax id number issue. It took them over 6 Months to finally inform us of the issue, as B of A employees failed to relay any useful information throughout those six months. We were finally made aware of the issue from B of A employee XXXX once the complaint was filed. We sent out form XXXX to B of A as requested. 
The reason for the complaint today is that 3 years ago B of A changed XXXX XXXX 's " social. '' He used XXXX to obtain the loan. XXXX is the number they currently have on file, and is what is currently being used to verify the account when the client and or our office call in. BANK OF AMERICA made the decision to make that change. One number is the social and one is a tax id. We have asked them why they made that change 3 years ago, and they have yet to inform us of that reason. Due to the change, they are REFUSING TO MOVE THE LOAN MODIFCATION FORWARD. They confirmed they have the docs, but the file sits there. Currently B of A is waiting on the IRS to verify some information. The information THEY decided to change. They do not know how long this will take, but they continue to move forward with the foreclosure. 
A full mod package was sent in XXXX and went nowhere. Once the XXXX form was sent in, we resubmitted a mod package. We called in weekly and were informed they had the docs, but are waiting on the IRS to get back to them. Bank of America is DUAL TRACKING. They have a complete modification package and yet are foreclosing due to an issue they created. At this time, we are demanding the sale date for XXXX be postponed until the issue is resolved, as well as answers be provided to the questions we have, or he will assert his legal right in district Court Naming Bank of America as a defendant.
I am XXXX working with homeowners on modifications of their mortgages. When the modification involves placing the arrears at the end of the loan the permanent modification documents indicate the current principal balance ( ex. {$100000.00} ) and then the balance of the new modified mortgage ( ex. {$140000.00} ). The balances are regularly significantly higher but there is never a breakdown as to how they got to the higher number. There could be errors that are made but the homeowners are signing onto the higher amount out of desperation. What are the arrears, taxes, attorney fees, costs etc that are being included? The banks have to have the breakdowns readily available. They should be required to provide them in the permanent modification packets.
XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.
I made a payment using an automated system and the system used the phone number for my bank checking account number now I have a late payment on my credit report it was for {$10.00} I made the payment soon as found out about it
Was charged late fees when I shouldnt have been and was never corrected. Paypal credit refuses to fix this.
My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.