WillisBack/dataset-financial-user-claim huggingface dataset:
I have complained about google and there applications for quite some time now.I have a google play account that can add funds to my account so that I can play games.Well what happened is that XXXX game from XXXX it is called last empire war z and they continue to take money from my account even though I am no longer playing there game.So I sent them tons of in application emails to see what the problem was and each time they delete the email and start it over so I again request my money back and they refused me. So I asked google to give me corporate support team and they refused and none of them are taking my complaint google says contact the developer of the app and the developer says contact google in which they refused to refund and the application simply ignores my emails and wont bother to contact me back. here are some emails that I sent to google and there response. With having my personal details from google they will not stop them from taking my money they ignore any emails even if I sent them through google page where the billing is located.I have tried to get help from google they and the application developer refuses to correct the issue instead money continues to come out of my account and when I try to get my money back they both refuse to handle my complaints. 
XXXX XXXX XXXX XXXX ( 2 hours ago ) to googleplay-sup. 
I am requesting to speak to corporate support team not customer service. So please have them contact me. I have been told by the application that there was no charges that came out of my bank which I know that is not true also wo n't email me back now because they claim I was never charged. I am filing with the consumer protection agency against you and them because both of you are refusing me the right to speak to corporate support team and no one is handling my complaint. Both are ignoring my complaint so I will have to file fraud charges with my bank and file against both you and them if no one will handle my complaint there is no way to fix this. So I am asking for help because google and the application both are trying to fraud me out of my money and I need this to stop.If there is a way to get help that would be great XXXXXXXXXXXX XXXX PM ( XXXX hours ago ) Hi XXXX, Thanks for contacting Google support. 
This email is in reference to your refund request for the XXXX orders or the track. I 've consulted my specialist regarding this issue, and I 'd like to let you know that we would n't be able to issue a refund for the purchase you 've made under our current refund policies Below are the order details : GPA.XXXX GPA.XXXX GPA.XXXX GPA.XXXX GPA. XXXX GPA. XXXX GPA. XXXX GPA. XXXX GPA.XXXX We expect app developers to provide support and refunds for their own products on Google Play. If you have n't done so already, you may want to reach out to this app 's developer to see if they might offer you a refund under their policies. You could reach out to the developer of this app at XXXXXXXXXXXX I hope you understand that Google Play Store offers password protection, which is an easy and effective way to prevent most unwanted purchases
This company is trying to collect from a dead man which is my father and his estate in which he has no money if he is dead!!
I got a car loan from United auto credit, The car had bad problems with it to prevent from passing Texas State required safety inspection United auto credit to me to send in copy 's of the receipt for starting repairs they would defer our XXXX 2015 payment to the end of the contract, and start paying on XXXX for next payment, They said after I sent the receipt Now they refuse to even after starting repairs, and they nowing they financed a unsafe car they said they dont car I ask to have the contract rolled back to the car lot XXXX days after signing contract they refused, they knowingly financed a car knowing its not road safe according to Texas Safety law inspection. I told them I wanted they money back on the deal {$1000.00} down and a payment of {$270.00}
The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester. 

While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate. 

Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.
Today I received a collection notice in the mail from Global Credit & Collection Corp. The envelope and postage appeared to be junk with " Presorted '' in the stamp square. The letter is claiming that they have taken over " my debt '' from XXXX XXXX and that i owe {$1600.00} to a XXXX XXXX account giving no dates. No idea who XXXX XXXX is either. I have beautiful credit, no unpiad old accounts, nothing at all deliquent, past due or have I ever been late paying. I check my credit through XXXX XXXXXXXX XXXX, my bank and credit cards multiple times a week. Its alarming since I do have a XXXX XXXX card, but the info on the letter is not my account info at all, and my balance is much much less, so I have no idea what this debit is. The letter threatens that must I contact them within 30 days or they will assume the debit is valid. I have researched this company to find multiple complaints on a slew of sites including Consumer Affairs, all about scamming. One person said this company put hard inquiries on the their credit report with false amounts owed- they did get it removed, but how are they able to do that?! Also every person spoke of repeat harrassing phone calls, rude language, vauge information, and the representatives hanging up on them. Also, one of the complaints claimed to have spoken to an attorney who verified that this company in a scam and not a real collection agency. I found that they are not XXXX   accredited, appear to be from XXXX and are using XXXX addresses. I am hesitant to call them because i do not want more phone calls, I get enough solicitors that I do not answer even though I am on the do not call list. They are crazy if they think i will give them any of my information. I also do not want my credit compromised due to this fraud so i will keep monitoring and hopefully I wont have to dispute this. I have worked very hard to be in good standing, and for someone to mess with it to scam me is just not right. Be careful, do not fall for this!
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX   that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, XXXX  & Equifax ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XX/XX/XXXX.
We are a not-for-profit corporation. We currently have an account with XXXX XXXX XXXX linked to a former employee and have been unable to close the account. XXXX XXXX XXXX continues to bill us for the monthly charges and also sends the bill to our old address. I am unable to close the account and unable to respond to the bills or pay timely as we don't receive the bills until months later due to them continuing to send to our old address. XXXX XXXX XXXX has been unresponsive in my requests to close out the account. 

XXXX XXXX XXXX turned over a past due balance to Prince Parker. A representative named " XXXX '' has repeatedly called our office and has been extremely rude and unprofessional and threatening. He also repeatedly tells the receptionist we are delinquent in our bills. His tone and frequency of calls has made our staff feel uncomfortable. Most recent calls were on XX/XX/2018 and XX/XX/2018. He has also called before, though I don't recall specific dates. This is unacceptable and completely inappropriate. 

Thank you.
I am a scam and Identity theft victim. In   XXXX   XXXX      two pe ople scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the    XXXX   county DA office . There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six people that I know who have filed police reports on these two an d we are all working together toward getting justice. Now, I have disputed the charges on  XXXX  /Wells Fargo NA..  THESE CHARGES ARE FRAUDULENT.     I request a copy of the investigation because I know the charges are fraudulent and there were several charges for phone service that I want to know who these belonged to. I could not get the information from   XXXX   XXXX   XXXX   and   XXXX   since I did not have the account number they would not provide it to me nor would  XXXX /Wells  Fargo. Plus all th e other charges.     I was refused this information which violates my rights.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX    . ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that  XXXX  /  Wells Fargo NA remo ve all fraudulent charges.     I am providing some additional information.     Check out the facebook  page. Scroll down  all the way down.   XXXX   XXXX   XXXX   They boost about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away. I DID NOT MAKE THESE CHARGES, And  Wells Fargo knows this.      PS : I can provide witnesses and their police report upon request.
I filed a complaint and did not receive any response from the credit bureau. It has been over 30 days.
My husband and I live in northern  XXXX  and visited  XXXX  for six weeks this past  XXXX . We use toll roads on a regular basis here in the north, so we have an EZ-Pass transponder in our car. We made sure to have that in the car for the time we were in  XXXX  so that we would be in compliance with the new toll roads that have been instituted in  XXXX  since we last lived there.     Last week we received a collection letter from Linebarger, Goggan,  Blair   &amp;   Sampson, LLP , dated  XXXX   XXXX ,  2017 , informing us that we immediately owed them {$79.00} for unpaid   XXXX   tolls. We were stunned since we thought we had been in total compliance. When I called  XXXX , we sorted out that we have an EZ-Pass and not an EZ-Tag so we had not been charged the tolls we thought we had been paying. He said we had been mailed a bill on  XXXX   XXXX ,  2017 , which detailed the tolls and fees. We never received that letter. At the time, our mail was being forwarded from   XXXX   to our temporary address in  XXXX  ; apparently that letter went astray.     The letter we got from  Linebarger  , Goggan, Blair &amp; Sampson, LLP  claimed on the front to list a Detail of Violation Notices, Fees, Fines &amp; Costs on the back, but all it listed was a single line with the invoice number, the  XXXX  date and a total of {$79.00}. Nothing else.     Against our will and to de-escalate future fees, we have paid this bill.     We are very upset at the procedures followed by the   XXXX    in this matter. In the first place, a single letter is hardly sufficient notification of a debt for most people. If there is only going to be  one  notification, it should be sent Certified Mail. If that seems an onerous expense for the  XXXX , then at the very least a second and third notice should be sent before a collection letter. We live in rural  XXXX  and find that at least  two  to  three  pieces of our mail do n't make it to us each year. Yes,  one  piece of mail from a particular source can certainly go astray, but it is much less likely to happen to  two  pieces of mail from the same source.     It is also inappropriate that we have not received a detailed, printed accounting of the tolls and fees that we have just paid. For the amount of money apparently added on to our tolls for the privilege of receiving a collection letter, it would be nice to know how much of that is actually toll charges and how much is  XXXX  and collection agency fees.     Also, when I called to pay the invoice, a recording said that we owed {$79.00} but that that amount may not reflect the full amount due. What does this mean? That once we have authorized a payment of {$79.00},  Linebarger, Goggan, Blair &amp; Sampson, LLP , are free to add additional fees to my bill now that they have my credit card number? It made us pause before giving our credit card number, but we were basically being coerced to do so by a guarantee of additional fees if we didnt versus a possibility of additional fees if we did so. Hardly a fair choice.
Dear Sir or Madam : I am writing to dispute the following information in my file. 
GC SERVICES Reported on XX/XX/2018 for the amount of {$280.00} This item disputed by GC Services ( On behalf of XXXX ) is inaccurate and incomplete because GC Services had the wrong contact information in my file. They had the wrong mailing address and the wrong email. Even though they had the right phone number, I never received a phone call from them to make me aware of the outstanding balance. GC Services did not ever communicate with me, not once. I never received a letter or message from them. I learned today about the derogatory remark through my XXXX XXXX account, and immediately called GC Services ( XXXX ) and spoke to their representative XXXX XXXX, who made me aware of the situation and updated my contact information. 
This situation is unfair and it does not follow regulations which state that I should have been informed and given a chance to pay this balance before reporting it as a derogatory remark. 

I don't have a letter or email from GC Services informing me about this amount to upload for your review. I have nothing from them. I was the one who called today, even though they had my phone number on file. 

I am requesting that the item be removed to correct the information since I was never notified about it and made a payment as soon as I knew about it! 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
To Whom It May Concern/ XXXX XXXX ( CEO and President ) I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

CHASE- XXXX XXXX ACC # XXXX Reason : Identity Theft I am hereby notifying that you are inaccurately and falsely reporting the above account which constitutes violations of the Act and of my demand that you remedy such violation within five ( 04 ) calendar days from your receipt of this complaint. This account has been previously been disputed and you did not deleted required under FCRA. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623,  Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : -Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX v Chase Manhattan , 2002 provides a cause of action for individuals against furnishers of information. 

I would prefer not to use the courts to resolve this matter.
high rate interest 12.99 % .account number. Monthly payment XXXX. Daily interest {$1.00}. Collateral XXXX XXXX XXXX XXXX. Is too much inyerest .I colled many times for reduce interest rate but no happen nothing.Wells Fargo dealer service
I am contesting the account with SYNCB/CHEVERON DC. It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 176 % usage. I need XXXX and SYNCB/CHEVERON DC to correct this account on my XXXX report. I should not owe SYNCB/CHEVERON DC anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX  reports, too.
HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't
They mishandled my information, which puts me and millions of other people at risk. I also mentioned I am listed as a potential victim according to their XXXX website, and would like a resolution.
Back in the middle of XX/XX/2018 I finish selling my home in XXXX XXXX California are Title Company advise me that after I received all my disbursements that I was to refund them back {$1500.00} to be used for County fees.. they told me they would return me the funds wants the county send them a duplicate payment.. it is now almost XXXX and I still have not received those {$1500.00} that were promised that would be returned to me
i AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS EXPERIAN AND XXXX AS WELL AS XXXX NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.
I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.
I 'm currently being harassed b y Navient with making payments. I pay on average {$200.00} week ly. And I 'm trying my best to get out of default. They still call me even after applying a payment.     I currently work   XXXX   shift and it 's disturbing my sleep. They have also called me several times on a private number.     I had called them at  XXXX  and I got connected with a representative. I asked them to stop the auto dialing because I work the   XXXX   shift and its been waking me up. It would t ake 24-48 hou rs and I think its ridiculous.
After paying a {$200.00} payday loan in full XXXX XXXX created a line of credit for XXXX dollars using information from my payday loan file. It was unauthorized and now XXXX XXXX is attempting to force me to pay. Attached is their paperwork which does not bear my signature or contain my correct banking information on the so called contract.
I received notice that I defaulted on a student loan from 1993. I thought I paid it but was not sure. I was talking with my family about it and they remember that I did pay it off. It was the first big obligation that I had paid off and at the time, they were proud of me. I started school with the promise of employee reimbursement but lost that due to XXXX. They set up a payment plan but I have been unable to make payments. The thing is, this is over twenty years ago and I do not have documentation from that time. I was homeless for almost five years and lost everything. Even with that, it is unreasonable to expect someone to be able to prove they paid something from 20 years ago. Student loans says they sent collection letters but I did not receive them. I move around a lot and was homeless, so they could have been an issue. My family states they never saw any communication. Even with the XXXX I am doing well in school but if I do n't get this resolved, I will have to quit. The attitude of the Department of Education is that even though I paid it, they do not show the payment, and I am supposed to pay it back. They will not budge, even though they have not looked for an error from that time. They state that there is no error because the computer show I owe the money. It does not make sense to me. I have tried the ombudsmen and they state I have to have proof of payment. Twenty years ago it was very normal to keep paperwork for 6 or 7 years then dispose of it.