WillisBack/dataset-financial-user-claim huggingface dataset:
Requested Credit/Refund : {$220.00} Transaction date : XX/XX/XXXX Reason : Overcharging/Unauthorized/Poor quality Dear Sir or Madam : I am appealing a rejected dispute on my card. CareCredit conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I did not authorized the type of XXXX they billed. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead I received a rude response from the Merchant  Manager. Immediately, I faxed my dispute to CareCredit but it went ignored. I know Synchrony received the dispute recently mailed regarding this transaction. From mentioned dispute.. all I got was a card replacement. Missing the requested refund for the actual disputed amount. Thus, now I do not even have access to my previous statements since XX/XX/XXXX.
Explaining my dispute : During my 1st consultation visit with the Merchant I provided the Dr. and staff a copy of lab results from XXXX recently performed by my pets primary veterinarian. I clearly specified to them not to perform the exact test. My relative, who accompanied me also reinstated this. Shes a witness about this being mentioned. They also didnt actually hand me the estimate instead they just spoke about what is being done and there was a separate piece of paper behind it. 

However, the results of the XXXX they took was provided after 2 weeks & not at the moment. Which is why I did not know instantly that they still went ahead & billed me despite of what we agreed on. they could have it ready instantly as its a hospital fully equipped with an ER laboratory. So theres a high probability they did it this way to charge me for something I disapproved.
This is really a general complaint about the recent decision made by XXXX and Citigroup to give a hard time to any retailers conducting lawful firearm-related business activities. 

I am a regular customer to both banks and feel powerless to be able say anything, I can just see my concerns being ignored letting them know how I feel about it. 

There's no need for them to make a political move like this, and doesn't change anything anyways, for example background checks are already required in most circumstances.

I don't think these 2 large financial institutions should be getting involved with this.

I hope this gets to the right place and helps encourage a focus on responsible financial business practise. 

Thanks,
From XX/XX/2018 - XX/XX/2018 they have contacted me anywhere from 40-50 times. 

They have accused my co-workers, my self and other associate with me of all sorts of allegations.

They have contact my wife and family members about this allege debt.

This is not my debt and I want the harassment to stop.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2017 RE : CFPB Complaint ID # XXXX XXXX, Equifax XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, 2017 credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Recently i got an alert on my credit report regarding a derogatory remark put in place by Company Sav-it. 

I reviewed the information on this and found they had lodge due to an apparent owing medical debit from 2016, i was under the belief back in 2016 this was settled with my insurance company, i had multiple calls with the Doctors office and last call was that they had everything settled. 

I was out of the country until XX/XX/XXXX this year and was never made aware that Sav-it was trying to contact me, according to Sav-its employee last Wednesday Evening XX/XX/XXXX they had sent a couple of letters and tried to call me however confirmed they had never contact me. 

i asked them to remove the derogatory remark for further investigation, i cited that i should be entitled to 90 days to defend the matter before any remark be lodged against me and that if the matter wasn't settled in 90 days i would not have a problem with the remark being on there, the person i spoke to on XX/XX/XXXX i believe his name was XXXX XXXX said he would have a manager call me the following day, i have never received a call, i have left multiple messages in the form of calls and social media, i have recorded evidence they have indeed received these messages but still refuse to make contact with me. 

This has now caused a seriously problem for me and i feel i have not only been discriminated against because i am not an XXXX XXXX   but also that this company has broken the law. 

i am happy to assist in any way what so ever to make sure that Sav It is fully investigated and prosecuted where justifiable.
I was told that if I entered into a payment arrangement with them that they would not report the debt to credit. I started making payments immediately. I then checked my credit a month or two later and they in fact had started reporting the debt negatively to my credit.
I had an account with Paypal for years and because of their service I have occurred XXXX in bank fees. This is because of Paypal 's Instant Transfer policy that customers are forced into by providing a bank account number. I have been given paypal credit and their method of increasing credit is through purchases, however in this very process of seeing whether one can receive a credit increase if it is denied without your knowledge your bank account will be charged through their Instant Transfer policy.
I recently " purchased '' a car with a {$12000.00} sticker price. Under the guise that this was a financed loan. After all the paperwork was finalized, the final cost of the vehicle became {$35000.00} and this was a lease, not financing. So after 5 years of paying for the vehicle, I then would have to return the vehicle and also pay any depreciation cost. Also, if I return before the lease term is up, I 'm still liable for the cost of the vehicle. Or if I return the vehicle and stop paying for it, this would severely damage my credit. The name of the company who does the " financing '' is Autotrakk.
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX  XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXXs online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.
In XXXX XXXX I was discharged from my job and I could no longer make payments because I was unemployed. I started working in XXXX XXXX and have been harassed and talked to very disrespectfully. I have been told I would be sued and my wages garnished. I had a payment plan of {$95.00} a month but I was only working parttime beginning XXXX XXXX so I could not afford full payments. Security has refused to accept partial payments and still refuses to accept $ XXXX monthly till my account is paid in full.
defamation of character. 
XXXX said my XXXX shows a late clearly from XXXX paid on time never late
When unable to pay I 'm automatically threatened. I 've been threatened that my account would go to the attorney, I 've been told that my account WAS already sent to the attorney, but then they resume calls the next day, so they 're lying. Not only lying, but calling my employer private and calling my cell number private as well & I 've even answered their private calls. I do this kind of work daily so I know what you can and ca n't do, which is why the cfpb was put into effect, to keep consumers from being taken advantage of! They call more than 3 times a day blocked. Which they can not do. All together I 'm upset with this financial corporation. There is a such thing as collecting without threatening your customers!
I am being charged by XXXX XXXX XXXX XXXX for services I never received. My coverage was supposed to be canceled XX/XX/2014. XXXX is stating that they canceled me on XX/XX/2014. I never reported any claims or received any services from XXXX to XXXX. I was under the assumption that my coverage was canceled since XXXX.
Santanders response to the previous complaint is blatantly false.
Santander modified my loan on  XX/XX/XXXX please see attached documents.
On  XX/XX/XXXX  my car was repossessed. The repossession fees were {$460.00}, the car was picked up on XX/XX/XXXX . On  XX/XX/XXXX  Santander confirmed the new payment and payment date and receipt of the modification ( see letter ) The letter regarding the sale of the vehicle was never received by me.          
Santander not only owes me the repossession fees of {$460.00}, they also owe me an additional {$1800.00} for payment overrage. I had an atty. look over my modification documents and it was suggested that i was overcharged in the {$1800.00}.
 XXXX 
This is calculated at {$66.00} per month starting  XX/XX/XXXX  to  XX/XX/XXXX .
my payment at the  10.14  apr should have been {$200.00} instead Santander charged me {$270.00}.     
They are a rip off company that overcharges their customers. The y should be fined for there Fraudulent actions.
States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.
Hi, I recently got a Citi Thankyou Premier card a few months back. I realized after a couple of months of use that the Citi Doublecash would serve me better than points, and after speaking to a few friends that had done a conversion to this card, decided that this would be the best path to take. When I chatted into Citi, they said that this would be possible, but I would need to call. When I called, I was told that I was simply not eligible for a conversion, and they could not tell me why. Since I have other friends who have done a conversion from this card, I am a bit offended that Citi has chosen to make me not eligible for a conversion, and feel that this may be discriminatory based off of factors that Citi is not willing to reveal to me. If this is due to discrimination, it is illegal and is in violation of the CARD act of 2009.
My wife had unauthorized transactions the amount total was XXXX from her Wells Fargo checking account .These transactions occurred between XX/XX/XXXX to XX/XX/XXXX a total of 60 transactions according to records provided by Wells Fargo . There are 3 companies that where taking her money without her consent They are XXXX, XXXX and XXXX When my wife realized that the transactions had occurred it was not until around XX/XX/XXXX. She then contacted Wells Fargo and had the bank first stop these companies from using her account o pay for the services. My wife had not made any of the purchases showing in her account. They where made falsely by another party somehow. The bank did the investigation and on XX/XX/XXXX they sent a letter to her and stated they would reimburse {$330.00} FOR THE UNAUTHORIZED transactions. They stated that any transactions more than 60 days could not be reversed. I her husband then wrote a certified letter to the Wells Fargo Operations Complaint Management office in XXXX  ca.and explained that the most likely reason my wife did not notice these charges was because she unfortunately has been treated for XXXX XXXX for the last 5 years.

Most of that treatment is XXXX and she was XXXX   much of the time. Since I have retired am better able to assist her with her bank account.The result of my letter to Wells Fargo was they as of approx XX/XX/XXXX and credited her {$520.00} which we are grateful for. However it just does not seem correct that a Bank who makes so much profit can not extend to her the full amount taken from here account with her condition. I want to help her as well as she is on XXXX, She worked all of her left until she got sick I am retired now so our income is somewhat limited. I don't know if there is anything that can be done by your organization to help her. The letters I received from Wells Fargo state that transactions over 60 days they would contact the merchant and attempt to recover the money This process could take up to 120 days. Perhaps you could find if Wells Fargo has contacted XXXX, XXXX or XXXX and the amount they credited her account individually. Then I can write and contact XXXX, XXXX and XXXX  and explain the situation and perhaps they might reimburse her Thank you sincerely XXXX XXXX
The lender continues to contact me at work. As a XXXX I can not continue to be harassed at work. I have already been warn by my supervisor that the phone calls must stop. I informed the lender that they could put my job at risk, her exact response was that they will continue to call until I paid the loan. This has happened before where I have made a payment agreement to pay by a certain date and they called me everyday until that date that was agreed upon. I could lose my job because of these call to my work.
I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
My wife and I have a joint credit account with Bank of America. On the XX/XX/2016, taking advantage of a mailed offer from Bank of America, we endorsed and deposited an access check in a checking account at our local bank. Several days later on XXXX I wrote and mailed XXXX checks drawn on this account. At that time my bank listed the funds from the access check as available. On XXXX XXXX my bank informed me that the access check had been returned NSF. I called Bank of America on XXXX XXXX and talked to XXXX. She asked me for my bank account and routing numbers and assured me that the funds would be deposited in my account the next day. The next day, XXXX XXXX, after no funds were deposited in my account I again called bank of America. I was told by XXXX that the money would be in my account the next day. Once again this did not happen. By this time I am beginning to pile u NSF charges at my bank. On XXXX XXXX I was able to speak to a supervisor at Bank of America, XXXX XXXX. XXXX put me on the line with XXXX XXXX. Both of them stated that they had determined that their bank had made an error and they assured me that any costs I incurred at my bank would be covered by them. XXXX told me she would call me back. One week later I left voice messages for XXXX 3 times and emailed her once. She finally called me after several more days and advised me that my bank would have to file a protest. Can you help me? I am out {$360.00} and Bank of America is stonewalling me, hoping I give up I suppose. 

Contact info at Bank of America ; XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
It's been a month now since I tried to open a savings account for my new business so I could keep it separate from my regular accounts which I had for over 10 years. 
As soon as I walked in and handed the check I wanted to deposit the girl started right away to tell me that checks received from XXXX XXXX XXXX are suspicious. Well she opened the account but later that evening she called me and told me that the check was not going to be deposited because they needed to do an investigation. Investigation that made me feel that I was trying to make fraud cashing a bad check, they tried to contact my client ( check issuer ) to find out about what? Me? It made me feel like I was the target of mistrust or discrimination ( a XXXX with a check? ). I requested an explanation and the closure of the account. they gave me a letter that practically says to cash those checks in another bank or the issuer bank which is over 50 miles from where I live. As of today the account still shows opened, I only hope they don't charge for a XXXX balance fee. If they want to catch criminals they should do it with the proper institutions or not receive the check at all, it's not their job to investigate their clients or is it only me? 

Thanks XXXX XXXX
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX, XXXX AND ALL OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW
I had a conference call with the underwriter and my Lawyer, I told her and my lawyer many times before that I am TAX EXEMPT, Chase did not finalize the payment to reflect the changes needed to show that I am TAX EXEMPT. The payment they want is XXXX when my original payment was XXXX. The economy caused this by laying me off in XXXX XXXX. 
Chase did nothing to give me an affordable PAYMENT, I have heard that many mortgage companies will get rid of some or a lot of rear-ages. Chase could have decreased my rear-ages quite considerly so that I could have an AFFORDABLE PAYMENT, Instead Chase said that I do not qualify for XXXX. Chase said that I only qualify for XXXX XXXX 's standard modification. Chase did not send anything to myself or my lawyer stating how much what payment schedule it is when it was do they only verbally sent it. I was waiting for the change to the payment to reflect my tax-exempt. Here it is XXXX XXXX, XXXX and I still have not heard anything as to or been given anything as to the payment change for my tax-exempt, my lawyer called today and spoke to representative not the underwriter that we talked to and he said that I need to make the {$1800.00} payment by the end of XXXX to reflect XXXX payment. Then I have to make another payment by XXXX XXXX. I do not have that amount of money since I am on XXXX. They gentleman also said that it was too late to change the MODIFICATION and that they will give me credit or a refund, they want me to make at least XXXX payments, I have other bills to pay that are due and will be missed because of Chases way of handling there screwed up way of doing good things. I would not have been so far in the REAR-AGES IF CHASE EXCEPTED A PARTIAL PAYMENT SINCE I WAS LAYED OFF IN XXXX. THEY TOLD ME " NO '' WE ONLY WANT THE FULL PAYMENTS. The first payment should be changed to XXXX XXXX not XXXX XXXX WITH THE CORRECT CHARGE TO SHOW THAT I AM " TAX EXEMPT ''. I GET MY XXXX CHECK on the XXXX Wednesday of every month. I will make a payment reflecting the change SHOWING my " TAX EXEMPT ''. Chase should be held accountable for the way they do things. I do n't want to hear about GOVERNMENT STANDARD, AGAIN, I SHOULD NOT BE HELP ACCOUNTABLE FOR THERE MISTAKES. I COULD WRITE MORE, BUT I THINK THIS WILL GET THE WORD SPREAD AROUND. 

I WANT THIS SENT TO THE PRESIDENT OF THE USA, THE TREASURY DEPARTMENT, THE FEDERAL TRADE COMMUNION. IF NOT I WILL SPEND IT MY SELF. I WILL COPY ALL COMPLAINT AND SEND IT TO THE AGENCIES ABOVE.
I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.