WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I booked a hotel room with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida for 2 nights. 

Unfortunately, due to the XXXX XXXX on the coast of XXXX XXXX at the time of my scheduled stay and exhaustive research of the conditions warranting voluntary evacuations of the area, it was no longer safe to travel to the area. 

On XX/XX/18, I spoke with someone at the XXXX XXXX number provided in my confirmation email about the conditions of the area. 

After conversation with her, it was in agreement that it was unsafe to travel to the area and, despite the original booking terms, my reservation would be canceled AND refunded. She entered a cancelation code she referred to as XXXX, which she stated was weather related. 

She stated I would receive an email letting me know my reservation was canceled, and no further actions were necessary on my part. I did have a witness, a member who would have been present for my reservation, on the line during this phone call. 

After several days with no monetary return from the XXXX company, I made another phone call. 

At this point, the person from the 1-800 number spoke with XXXX at the local hotel who stated she was in charge of the monetary return and she had made the decision not to return the funds. This person did inform me they had listened to my recorded call from XX/XX/18 and did, in fact, hear that I was told I would receive a refund. 

I decided to reach out to XXXX myself. She gave me the same information. She told me she made the personal decision to not return my funds based off of their cancelation policy. I told her I understand their policy however, the reason for cancelation was out of my hands and I was promised a refund. 

I was offered a credit for a future stay with them, but given their lack of professionalism, I have no desire to stay with an organization who has pocketed {$1000.00} of my hard-earned cash during a time when I am planning my wedding. This is unethical, and quite frankly, just wrong. I never stayed at their organization, therefore they have literally pocketed my money and I have received nothing but a headache and heartache. 

I have disputed this charge with my bank, Wells Fargo, who I have banked with for the past 15 years. After issuing me a provisional credit, they determined they could not help me and have since retracted the credit. 

I would like to think after doing business with a financial institution for 15 years, I could trust they would back me in an unfair situation such as this. 

Any guidance you may be able to offer so I can retrieve my hard-earned money in this unfair situation would be so greatly appreciated. 

Thank you in advance.
Made payment on XX/XX/2019 to XXXX XXXX, serviced by Synchrony Bank. 

Payment shows as 'Processed ' in Payment History, however not reflect in account balance On phone with Synchrony about their issue and asked them to add XXXX to the call. XXXX agent very helpful and told me he had fielded numerous complaints of this type Screenshot attached as of XXXX XXXX XX/XX/2019
My name is XXXX XXXX XXXX ; I moved in 2016 to my new address. Synchrony Bank were sending out my credit card information to my old address of XXXX XXXX XXXX XXXX, XXXX Arkansas ; after I had reported my new address to them. Someone or businesses stole my identity at this old address, through email or etc. I was viewing my credit card statements, and have been continuing to pay these fraudulent charges on credit cards that I never made. I have been in the hospital fighting Triple Negative XXXX XXXX for the past few years.After viewing my mail, card security had paid off my credit cards statements due to XXXX. I should have a zero balance after my cards were paid through card security/ Synchrony Bank . I havent made a purchase on cards in several years. The fraudulent cards includes, XXXX, last XXXX digits ( XXXX ) XXXX, last XXXX digits ( XXXX ) XXXX XXXX XXXX last XXXX digits- ( XXXX ) XXXX  last XXXX ( XXXX ) XXXX XXXX master card, last XXXX digits ( XXXX ) - I reported this card opening in my name as fraudulent. XXXX last XXXX XXXX : I didnt authorize anyone to use these cards after they were paid to a zero balance. Its totally not fair to me to keep making payments on these cards. Im not sure if my card ( s ) information were stolen online, in store, or old address. I have been reporting these cards as stolen through credit bureaus but Synchrony Bank refused to investigate these following cards as fraudulent. I however since fraudulent charges were made on my cards refused to keep on paying for something I never used.
I was going through my credit file and I was surprised to find that there are several past late payments on my credit report from my capital one accounts. I've also attempted to resolved with them several them and I yet to get a response from them or even get it updated from 3 major credit bureaus. Also all 3 major credit bureaus are reporting different information about the same account from my Capital ONE. 

LATE PAYMENTS THAT NEEDS ATTENTION : CAPITALONE : Account # XXXX XX/XX/XXXX to XX/XX/XXXX Also CAPITALONE : Account # XXXX XX/XX/XXXX-XX/XX/XXXX I understand mistakes happen, but I received a copy of my credit report and found the following items to be in error. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it.
I had used my wife 's bank account to pay billing on credit card and some payments were returned. Since then my brother made a payment of {$300.00} and got account in order to charge for credit. Afterwards the account has become restricted for use even after verifying my wife 's bank account. The Capital One bank said they need to verify his account with bank as well and my brother refuses to do so stating it is unnecessary. Meanwhile I have credit available of close to {$200.00} but card is Restricted for use by me due to Capital One policy.
I am currently in a status of repaying my loans and I noticed that my overall loan amount is increasing after each payment ( I have been monitoring the increase for the last 3-4 months ) I am currently under one of the payment plans which is supposed to provide me with a lower payment and over eliminate any future balances after 25 years. I contacted the Navient rep., who stated he would have someone from the Student Advocacy team give me a call and to date no one has called me. This call took place the end of XX/XX/XXXX. 

I asked the team lead or manager to explain to me that if my payments are not reducing my balance then what benefit am I receiving of being on the payment plan. For example, if my balance is XXXX and it keeps increasing with my payment arrangement then within 25 years I am wondering what this balance would be and the payment amount. It does n't make sense to me and he was not able to explain only to tell me the over balance of my loans which I already know is at an all time high of and is increasing each month. It also appears that my private loan interest rates have changed based on my profile. 

I would really like some assistance and explanation. I pay my loans on time and I am trying to minimize my balance not increase them. If this is not the correct plan to help me move toward the goal then I would think Navient would have a better solution that to keep in embedded in debt. It appears the representative are not well diverse in answering questions.
My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.
On XX/XX/2016 I paid off a Heloc " Home Equity Line Of Credit '' to Bank of America for {$240000.00}. I was never late during the seven years it was open. Within sixty days after the payoff I received a credit update that I was late on this account. I immediately disputed the item with proof to all XXXX bureaus and XXXX and XXXX Removed it immediately. XXXX is asking for something from Bank of America stating that I was never late. After hours of asking for that document with Bank of America letterhead, and multible transfers to different departments I contacted a loan officer at Bank of America who has been trying to help me, but getting absolutely nowhere. Please help me in this matter as Im trying to refi and my score is down due to their mistake.
I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me.
I bought an A/C in XXXX through XXXX and I got a credit store financed with Wells Fargo under a Promotion for 18 months with a 0 % Apr, ended in XX/XX/XXXX. For that reason I was making enough additional payments to my account to pay the debt in time before XX/XX/XXXX .... Also, when a customer wants to make payments " on time '' take extra precaution so I did and set up the automatic payments to " pay on time '' meaning not missing any " due date ''. However, I made extra payments to reach the amount before the promotional interest has ended. But Wells Fargo was not taking the extra money I was putting into my account because I had the autopayment set up, and just the minimum amount of this system was accepted and no additional payments were accepted. Yes, I believed I was making additional payments for many months, but in the reality they were not processing those payments. So, at this point it looks to me that this a " tricky system '' Wells Fargo is using to overdue payments, and in my case they won a " deferred interest ''. This tool is doing the opposite because is not letting the customer make payments " on time '' the automatic payment is there to help customers, and it has to be an " useful tool '' and Wells Fargo ' s system is not doing that. How do they think a customer can reach their total balance on time if they do not let customers pay extra payments other that the minimum amount with this automatic system they have. 

My original debt was {$4900.00} in XXXX was a balance of around {$500.00}, they applied the deferred interest of more of {$1500.00}. When I called The first time to Wells Fargo I did not realize about this issue with their system, worry about this situation I was trying to move this debt into another account due the high interest they also applied 28 %. As always taking care of my finances. But it is when I realized " why '' the total debt was not paid " On time '' so the representative admited she could see I was making " those unsuccessful additional payments '' due to their system and admited it was their fault. So she reduced the debt saying that was all her system let her do, I ended paying around {$800.00} just for the " deferred interest '' Is it not fair.
I am the XXXX for buyers of XXXX XXXX XXXX, XXXX, PA XXXX. By contract, settlement dated for XXXX XXXX, 2015 and buyers are financing FHA. 
XXXX XXXXPNC, XXXXXXXX is the PNC loan officer and assured me that XXXX XXXX, 2015, was workable. 
Nothing but excuses concerning getting the appraisal in. Buyers satisfied ALL conditions weeks ago. 
XXXX more settlements come after XXXX. All XXXX settlements were clear to close last week with XXXX different lenders. The second in line was FHA, too, and was clear to close last week.
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )
I have had an account with PAYPAL MC since XXXX XXXX, 2014. However, I my balance and history got transferred to Synchrony Paypal MC which is the same thing and history but in my CREDIT REPORT its showing as a new account in which it effects my credit. It now showing as a NEW ACCOUNT but its not a new account because my history and balance is the same. 

I AM REQUESTING THAT THE CREDIT CARD REPORTS TO XXXX AND XXXX THAT THE ACCOUNT WAS OPENED ON XXXX XXXX, 2014.
I had XXXX different results from the XXXX credit bureau agencies ( XXXX, XXXX, and TransUnion ). It was in regards to a dispute filed in XX/XX/XXXX. I sent all XXXX agencies the same exact same information. The dispute was in regards to a 30 day late payment in XX/XX/XXXX ( the only XXXX in the entire history of my credit report ). 
XXXX resolved the issue, it was corrected and updated on my new credit report which they sent to me. 
XXXX results was " historical account information was deleted from this account. '' I am not quite sure what that means since I did not receive a new credit report. 
TransUnion results state " new information below '' but nothing was changed at all. 
I would like XXXX and TransUnion to correct and update the information in the exact same way that XXXX did.
We have had continuous issues with XXXX XXXX. They refuse to speak with us, and keep hanging up. A minimum of XXXX times we have been hung up on. They are scamming us. Currently our XXXX for 2017 is incorrect and they will not speak to us in regards to this. It only shows our interest payments of {$16000.00} from our regular monthly payments. However, there were additional interest payments made via our chapter XXXX in the following amounts that they are not reporting. We believe they are hiding this revenue. 
XXXX {$1500.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$680.00} XXXX {$570.00} XXXX {$550.00} XXXX {$410.00}
My credit report shows an account with a balance from Synchrony XXXX. Please provide validation of debt.
The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.
On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the National Budget Planners and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX National Budget Planners sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
XXXX XXXXXX/XX/XXXXthere was a a hard inquiry made by someone who was not me. This was not authorized by me and I have no idea who authorized it. From talking to XXXX XXXX they said someone tried to apply for a new card. This was not me as I already have XXXX XXXX and am content with my current card. No need for me to get an additional one. Whomever applied under my name apparently had inaccurate information which is what led for them to be denied from my understanding. Again this was 100 % fraud and not authorized by me and I hope the creditor XXXX XXXX will remove this from my file being since it was never obtained by me. Thank You, XXXX XXXX.
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$2500.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
XXXX XXXX XXXX is a credit processing center who is reporting erroneously. When an account is past due they take 60 days to send the information to the credit bureaus. I called and spoke to a XXXX and she does n't understand that it is incorrect to say that since they do n't report an account as past due for 60 days that this is considered the 1st delinquency date. She said I was 60 days past due as of XX/XX/XXXX. If I was 60 days past due as of XX/XX/XXXX then the first date of delinquency would be XX/XX/XXXX. This should be reported to Equifax who refuses to remove this outdated account from my credit report. XXXX XXXX sent me a ledger which I sent to Equifax however Equifax refuses to use that information and XXXX XXXX XXXX continues to say their information is correct when Equifax verifies information with them when in fact it is not correct. AN ACCOUNT MUST BE DELETED 7 YEARS FROM THE DATE OF THE 1ST DATE OF DELINQUENCY NOT WHEN IT WAS REPORTED BY A CREDITOR. AGAIN IF AN ACCOUNT IS 60 DAYS PAST DUE AS OF XX/XX/XXXX THEN THE FIRST TIME IT WAS PAST DUE WAS XX/XX/XXXX. I WANT THIS INFORMATION CORRECTED AND IF IT IS N'T I WANT XXXX XXXX FINED AND TURNED OVER TO THE THE FTC FOR WILLFUL NEGLIGENCE. A proper resolution would be the following : To fine XXXX XXXX XXXX for willful negligence to correct erroneous reporting according to the Federal Law. And for violating of Federal Law regarding their negligence reporting method. Turn them over to the FTC for willful negligence for not correcting erroneous information when it has been brought to their attention. They should be fined {$1000.00} or more for the infraction and I should be compensated for their willful negligence. XXXX XXXX XXXX has over 65,736 complaints by consumers because they their accounting is erroneous and they do n't keep accurate records.
My payments was XXXX to HSBC and somehow a different company received my payments. When I got the check I back, I XXXX it back with an address on their statement. I told HSBC to send an update statement to assure that my accounts was up to date. Never heard from them. My statement keep showing past due amounts and when I finally hear back from a rep they tell me my accounts is only the current payment due, so I ask for a current statement and I never get it. I 'm so stress and ca n't sleep..
I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.
I have been trying to get a copy of my credit report and check the results of my mailed in disputes but have been unable to for the last 9 months. 
I call EQUIFAX and always get the same answer " the system is down ''. 
I can not check my report, nor can I review the dispute results. 
This is a burden and in my opinion violates the FCRA timeframes, since I can not view anything in a timely fashion and must wait for everything to be mailed to me via the post office, after I call and stay on the phone for an hour to get the same reply back, or send another letter to request my results in writing, adding weeks to my dispute. 
It takes approximately 2 months for a dispute review because of the " SYSTEM IS DOWN '' for the last 9 months. 
This reporting and disputing process has cost me an opportunity for employment because I still have not been able to rectify the problem.
EXPERIAN fails to remove the XXXX account. EXPERIAN reports that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.