WillisBack/dataset-financial-user-claim huggingface dataset:
I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.
On XX/XX/XXXX my husband called to pay off the lease on his cell phone and was notified by XXXX the final amount was {$170.00} which was paid and the phone was unlocked, which is an indication that he is now the owner of the phone and free to take it to another carrier. On XX/XX/XXXX, I received a call from XXXX saying that {$450.00} was now due for the phone. I spoke to an upper manager who listened to the XX/XX/XXXX phone call and agreed that it was the error of their customer service rep. and additional money would not be owed. Today XX/XX/XXXX I received a notice from a debt collector company. Prior to this I have never received a bill or statement from XXXX for the alleged charges. I disputed the debt with the debt collection company and have spent several hours on the phone with XXXX and am being told they dont have a record of the XX/XX/XXXX conversation and now I owe {$450.00}. I have talked to multiple managers to try to resolve this issue and am not getting any resolution. I have been yelled at by XXXX customer service reps and treated very unprofessionally. I had to cancel my service with XXXX because we moved to an area in rural Alaska where they do not provide service. Since cancelling I now have been harassed with phone calls attempting to collect on a debt I do not owe.
XXXX XXXX XXXX Charged OFF my credit card account on XX/XX/XXXX after I had negotiated a settlement. XXXX XXXX XXXX Continues to Report the account delinquent on my credit reports 7 + Years after I settled this account for less than full balance.XXXX XXXX XXXX Refuses to discuss this account and referred me to XXXX XXXX. After Contacting XXXX XXXX I was advised that they had referred this account to an attorney in XX/XX/XXXX ( 6 years and 11 months after the initial charge off ). The Attorney returned the account to XXXX XXXX and XXXX XXXX has No knowledge of the status but they will reassign the account to someone else in the next 5 to 10 days. XXXX XXXX XXXX Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was XX/XX/XXXX/ We attempted to resolve this account years ago but XXXX XXXX XXXX  was Not interested. The Original dispute Involved XXXX XXXX XXXX Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
I have pulled up my credit report in the Past and recently XX/XX/17, All my information is mixed with Fathers information. When Ipull up my credit report with my social security and date of birth it pulls up my dads information. I have also contacted a credit repair company suggested XXXX XXXX website and the rep that I spoke with also pulled up the report and there in fact showed Accounts that belong to my father. Also My father is Not deceased so there is no reason for this mix up. There are inquires that have been on my credit report for a more then five years. There also credit cards that were opened with my information.
I bought a XX/XX/XXXX Chev Colorado at XXXX XXXX XXXX XXXX ( aka XXXX ) in XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I have called them, gone to see them and sent them numerous emails regarding the tags for the car, and to date have received nothing. Also, 2 months after I got the truck the engine 's gone bad. I have paid my pymt each month to the lender, but the dealer has given the 'too bad, so sad ' about the truck not working. The repairs of the engine are almost {$2000.00}, so the truck has sat parked in my driveway since late XXXX. They have been very unresponsive about the tags. So now Im supposed to pay for a truck for the next 5 years that only worked for 60 days after I bought it? I find this such an injustice and what burns me is that I 've had to constantly call them about the tags and the dealer 's last response to me was 'well at least you cant get in trouble cuz you cant drive the truck til its repaired anyway ' ... .really?! That just shows their complete lack of empathy for their customer! I 've been dealing with a jerk at their dealership named XXXX XXXX and another guy ( speaks with an XXXX accent -- he wouldnt tell me his name ). Their DMV rep told me back in XXXX that she 'd get the tags and correction of my address on registration taken care of in about 15 days ... .its been over a month without a reply from them. My issue is not with the lender, but with the dealership.
The week of XX/XX/XXXX XXXX XXXX called my work and I told them that this is my work and I was not allowed personal phone calls. The caller keep trying to talk and I told him again that this is my work I am not allowed personal phone calls and again he still tried to keep talking so I hung up. Today XX/XX/XXXX they called again at my work and I told them they called last week and I told them not to call this number it was my work and I am not allowed to receive personal phone calls. She the caller keep talking and I told her not to call this number it was my work and she said she could call this number and I told her it was against the law and she told me it was not against the law and she can call it.
My bank is Rush Card, as many of you know, Rush Card has experienced many issued these past two weeks, its been extreemly difficult to manage money in my account, i attempted to pay all of my bills not knowing that they may be returned, i just bought a new car and had to pay my car note and then find out i can not accesss my account! what a great way to start off with payments, i have direct deposit set up with a new bank and hopefully my job can expedite this so that everything gets taken care of before next pay day, i feel so bad for the XXXX people who like me cant get into their accounts, just sounds fushy, and i have never been with a bank who has held your money and not give you a valid reason where its gone ... My mom also has rush card and is missing hundreds of dollars and no one can tell her why or what has happened to the money, never EVER will i bank with Rush Card again! and unlike any bank they charge {$1.00} per EVERY SINGLE Transaction!!!!! no bank does that! do you know how much money we could be saving if each transaction was free ... .. like it 's supposed to be!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! RUSH CARD
There is a company that keeps pulling my credit. These credit inquires are hard hits that have dropped my score dramatically. I have not requested a payday loan but every year they keep pulling it. Last year they told me I owed them money which I did not. They then changed there story a few months later saying I applied which I have advised them I never attempted to do so.I would like them to stop pulling my credit without my permission. They most recently pulled my credit stating I requested it but I did not. 
I have asked them to never do business with my social security number or contact me prior to trying to establish a new loan they have refused.
I am in the process of building a home with Envoy mortgage company in NC, and it has become a nightmare. When the time came to get the finishing apprasial, Envoy instead of having the same appraisal company go out when construction was about to be complete, they sent a whole new appraisal company out to do the second appraisal. The difference from the first appraisal and second is {$28000.00}. They said they use a third party and have no control over if they send out the original appraiser or not. 
I can not come up with that kind of difference and so the builder has to stop construction on the house to control their loss litigation. The Envoy mortgage basically has thrown their hands up and not taken any responsibility to finish the process they started with me. SO they got me into a high interest only loan to purchase my land and build a house and now they will not finish the job and complete my final mortgage. I 'm in jeopardy to lose my land, the new house that I have already invested thousands to build in the first place, my credit, oh yes and my family will have no place to live. I would never have put myself in this position if I had know that something like this could even happen and Envoy mortgage company basically just quits when they created the situation by using XXXX different appraisal companies. Now the mortgage lady XXXX wo n't even return the builders calls and we struggle to get resolution.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX  . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. 
A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
I had two accounts with XXXX XXXX ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was Crown Asset Management , LLC, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XXXX I received letters stating that my accounts had been sold to XXXX XXXX XXXX XXXX. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.
We had just bought our truck in XX/XX/2017 and had made 2 payments on it before hurricane Harvey hit our area. We had several leaks in the house so my husband called 5th 3rd bank to see about deferring the payments so we could have some extra money to patch up the leaks. The bank agreed to defer the payments for 2 months XXXX and XXXX. My husband filled out the paperwork and faxed it to them but apparently it was filled out wrong and we were never notified of the issue until after the truck was repossessed the night of XX/XX/2017. My husband contacted 5th 3rd bank on XX/XX/XXXX and got the details about the paper work not being filled out right and because of that they didn't process it for 2 months of deferred payments. The bank stated that if we brought the loan up to current payment status they wouldn't defer the payments for XXXX and XXXX and it would be counted as regular payments for XXXX and XXXX and also it wouldn't be reported on our credit reports. Right away we got the money together to make the payments current and paid the repossession fees to get the truck out. After all that we thought everything was fine. Well we went to apply for a home equity loan last week and was declined because the credit report showed the repossession mark. My husband called 5th 3rd bank inquiring about the repossession mark and they referred us to this website. I would the like repossession mark and delinquent payments to come off our credit reports since we were told it wouldn't be reported in the first place.
I was affected by Equifax 's data breach. Equifax said the breach happened between mid-XX/XX/XXXX and XX/XX/XXXX. It discovered the hack on XX/XX/XXXX. However, Equifax only informed the public on XX/XX/XXXX. The  reporting agency has not only been irresponsible with my data, but also duplicitous ; they have know about this breach for over a month and ( to add insult to injury ) attempted to trick me into waiving my rights to sue them through their coercive " opt-in '' process when I went to check if I was affected by the breach. 

I am saving to buy a house, and have spent the last decade rebuilding my credit score. This mishandling of the breach is completely unwarranted and is wrong on the most fundamental level. By waiting over a month to announce the breach, they have robbed me of precious time to proactively set up a credit freeze. I can only imagine the horrors that will come from this breach in the future.
In XXXX XXXX, I discovered that someone had stolen my identity and opened various accounts. XXXX of these was a XXXX credit card. After finding out, I immediately called XXXX to report the fraud. They closed the account and issued me a letter acknowledging that the account was fraudulent and discharging any responsibility I might have for it. Around XXXX XXXX I received a letter from Midland Funding LLC attempting to collect this debt. I immediately called Midland and explained the situation. They told me that the collection would be removed from my account. I have talked to them three times since then and they are still attempting to collect a debt that does n't exist.
I am filing a complaint against XXXX and More Barclaycard because they are inept at handling a valid fraud case. On XX/XX/2018 I enrolled in an XXXX XXXX class at XXXX XXXX XXXX XXXX for $ XXXX/mo. After the XX/XX/2018 payment I cancelled the class on his website as shown in an attached document. I had no more access to the class website. He continued to charge me every month the {$11.00} and I called Barclay every month to dispute it. He never notified Barclay that the charges were legitimate. I continued to send him emails to his website, the only way to contact him as he is in the XXXX. I also told Barclay every month to not charge me but they did anyway and I had to call every month which scares me because he has my credit card information and could use it for even more. Attached is documentation and a letter I sent Barclay after the XX/XX/XXXX charge by USPS. This can not continue and I want to cancel my card and told them that. As noted in another attachment the XX/XX/XXXX charge is on there, even after I got credit for the XX/XX/XXXX and XX/XX/XXXX charges and credit for the finance charges.
Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit.
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
I sent a debt validation letter to Capital One on XX/XX/2018. They are unable to hard copy proof validate the debt.
for 2 years i have attempted numerous times to fixed my mortgage and lower my payment. they have always said i did not have enough money to show affordability. now that i moved in a stranger into my home to generate extra money i am still being denied for excessive forbearance. i would n't have this problem if they would have modified me a very long time ago. now i am facing a sale date scheduled and i can not lose my home/
I spoke to XXXX a debt collector working on behalf of Rise Credit. I spoke to XXXX first on XX/XX/XXXX. We agreed on a settlement amount of {$3300.00} from the balance of {$4700.00}. The arrangement was to pay {$220.00} a month for 15 months. At that time I asked if around income tax I could possibly settle for less. I was advised yes. I have attached bank statements. 
I called again in XX/XX/XXXX to request a lower settlement. I was treated rudely by Mr. XXXX XXXX, he called me a liar. I complained to the supervisor. The supervisor said there was no notes on the account to proof what I was saying. He asked me the amount I was offering I said {$2000.00}, he laughed. I hanged up. I kept getting several calls. I asked to stop calling but they didnt stop. I received a call from XXXX with XXXX and she treated me with respect so I listened to what she had to say. I advised her that as soon as I get my income tax I would be able to pay {$2500.00}. She said she would try and get it approved. I spoke to her again around XXXX and I advised her due to health issues and income tax not being enough I would not be able to settle for {$2500.00}. I also explained the arrangement I had back in XXXX but she said that cancelled itself off. I told her I didnt understand because the money I paid where did it go. She didnt have an answer but said I could pay what I can afford and she would note it down. I agreed to pay then $ XXXX monthly for 18 months. I had always requested to get documentation and they said they have sent it. I did receive emails but couldnt open them, it was just a blank page. I did advised them of this but nothing was resolved. I had fraud activity on my personal checking account and, on XX/XX/XXXX, I called XXXX, Mr XXXX, to advise them, so they wouldnt attempt to withdraw. I advised XXXX, Mr. XXXX that I would call him with new bank info as soon as I can. I decided to review the invoice of that month, and it stated I still owed {$4700.00}. I was puzzled. I called and left message in regards to this and decided not to pay until I received document stating the settlement amount. He called me on XX/XX/XXXX, I advised him I did have a new bank information but would not make payment until I received the proof of settlement. I kept getting emails with blank documents. 
On XX/XX/XXXX, Mr XXXX called a number, my daughters number. I do not have listed or have I approved to be called, I had never had any calls to that number. Mr XXXX called that number and started the conversation with you know who I am, read disclosure, then said we talked yesterday, My daughter kept telling him she didnt know who he was and that they had not spoken. Mr XXXX proceeded in advising her of the account giving her specific details : company they are representing, amount owed, and amount settlement, amount of payments, and that I still owed for XXXX. My daughter kept saying to him she had no clue about this. Then he asked the number called, she then said so you have the same name as XXXX, She let him know that she was not me and hanged up. This created a problem at my home and information was shared because my daughter was very upset at how Mr XXXX treated her.
I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount. 
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest. 

WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!! 

Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT! 

I do believe someone is committing FRAUD!!!
For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.