WillisBack/dataset-financial-user-claim huggingface dataset:
I presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer. 
Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine. 
Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half. 
Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.
I am filing a complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Hello how you doing? I am XXXX XXXX I had combined our debt from XXXX credit card company in XXXX. The amount I alone started to owe was {$18000.00}. {$9000.00} of it was mine and the other {$9000.00} was my wife 's. All that was from XXXX. Currently the National check burea bought the debt some how. Now they asking {$100000.00}. In XXXX they intercept my tax return from federal government. In XXXX they asked the Judge to allow garnishing my bank accounts. I am willing to settle the original amount we used in XXXX with a deep percentage off. They insist on getting half. Their attorney is XXXX XXXX. I do n't know about any law that allows this kind of hunting. They do not show on my credit report. My fear is they attack another bank account I own or worse make me sell something I have. My lawyers are telling me to file bankruptcy. I want this debt forgiven because of how old it is. Any way to avoid letting them have so much money is going to solve this issue. ( Help ) XXXX thank you
This is a complaint with respect to two responses received from XXXX XXXX XXXX ( " Bank '' ). The complaint numbers were XXXX-XXXX and XXXX-XXXX. The responses provided were factually inaccurate and potential libel actions. The Bank 's employee has lied about the series of events that occurred. My wife did not use any " inappropriate language '' nor did she commit any " inappropriate actions. '' Furthermore, the monetary relief the Bank claims it has provided is not relief of any kind. It is the return of our property ( i.e. the funds in the account ). No compensation or apology has been issued by the Bank or any of its employees. In fact, it was the particular Bank employee who escalated the situation and caused a scene which made me fear for my safety and the ability to have continued access to my property. Frankly, it was the worse customer service experience I have had in my life. This whole situation could have been avoided had the Bank employee let me access my safety deposit box during my daughter 's wedding. It was only when I pointed out a flaw in their security procedures that the Bank employee became defensive and raised her voice. The reason for resubmitting this compliant is to bring to the attention of the Bank the actual events that occurred and to affect actual change there, so this does not happen to any other customer. I hope this complaint is taken seriously because the deceit and duplicity my wife experienced as a customer of the bank ( for over a decade ) is simply unacceptable. There are consumer protection laws to ensure that customer do not get treated this way, and I would much rather have this resolved in this manner than take legal action for the way my wife was treated. Please address this immediately and provide some actual relief, rather than deceptively implying that monetary relief was provided in this case.
XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me.
I have a current and active PayPal account. On XX/XX/18 I requested to withdrawl {$200.00} from my PayPal balance to my debit card instantly. I agreed to the instant transfer fee and clicked agree. I received a error message stating transfer will be delayed 72 hours. I was promised over the phone by a PayPal representative that I would receive my funds by Wednesday XX/XX/18. Never received my funds and PayPal put limitations on my account. I called PayPal again and my call was routed straight away to collections dept. The PayPal collections dept attempted to collect a old alleged debt that was included in my bankruptcy. PayPal is collecting illegally and is holding my funds hostage
I did not receive notice from Ohio that I was in default in my student loans ( actually had worked out a payment plan a few months prior ) and in danger of my pay being garnished. Instead, I received a notice from work that they were going to garnish my pay, so I contacted Ohio XXXX loans office to try to work something out so this would not happen, and they were rude to me and told me I could n't stop it, and would not work with me at all, and have begun garnishing my pay, even though I am a head of household with low income and now am being forced to file bankruptcy to stop it. I did receive notice from Missouri and have been able to work with them, but Ohio did not send me notice, and were very rude and will not work with me and instead disregarded letters I sent and calls and have started to garnish my pay. Is there a problem with Ohio student loans? I need to be able to work this out rather than file bankruptcy.
I was on an income based repayment plan for XXXX consolidated student loans. I was on auto payment deducted from my checking account monthly with a payment of {$600.00}. I was told by XXXX XXXX and Navient that I was eligible for the Public Servant loan forgiveness program and that after XXXX on time payments I could request forgiveness for the balance remaining. A friend told me I really should contact the program directly to make sure. Unfortunately I contacted the program and they said if I transferred the loans to them they would track payments annually. Once the loans were transferred they infirmed me that XXXX payments made on XXXX of the XXXX loans would not count because they were not on a qualifying payment plan. I do not understand how i could have XXXX loans consolidated to one payment yet those loans could be on seperate repayment plans. I also dont understand why I would be penalized for paying more money towards my loans than I would have paid had my accounts been properly set up. I relied first on XXXX XXXX and then on Navient to help me tbeough the repayment process. They set my accounts up incorrectly and because of their mistake I am having to make XXXX additional payments before I can apply for forgiveness.
I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Portfolio Recovery for {$1200.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Portfolio Recovery did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$1.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX  or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Hello, Ive been trying to contact Capital One for months in regards to my account and how I can get the late payments removed. I have wrote two goodwill letters and called numerous of times to no avail. I explained that I was facing a financial hardship during this time and couldnt afford to make the payments. Unknowing to me, the times I attempted to make payments last year there was insufficient funds in my account. I wasnt aware and it caused for all of the payments to reverse. After realizing I hadnt have enough money, I could no longer afford to make my monthly payments. As of today, the balances owed has been paid in full.
Dear sir/madam, as I was going through my credit report on EQUIFAX, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. XXXX I have never had any account with XXXX. XXXX They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
Currently, I have what is listed as a delinquency of 3 months on a bill of {$27.00}. I do n't recognize the company, nor do I recall incurring any bill. My credit score at the time this delinquency showed up as a collection was XXXX. In a week, it has dropped down to XXXX. I finally got a reference number for the supposed collection agency. I contacted them, and even though it was not my {$27.00} bill- I paid it. I pay off my credit cards all the time- I do n't forget bills. Meanwhile, when I deal with Experian ( I have credit monitoring through them ) - they say there is nothing they can do. I will have to wait XXXX45 days to get this removed from my report. But, my score continues to be recalculated lower, week by week, even though I have done nothing wrong. At the same time, I just received a job offer, who, of course, requires a credit check. This will appear on my credit report as a delinquency. But, Experian wo n't remove it, and the company I dealt with to get this removed may or may not contact the credit bureaus- I do n't know. Supposedly, they were going to do so, but have n't done so. So, I have derogatory information on my report- Experian says it is not their problem, and can only send a letter to have someone respond. If they get no response, then they will remove it. What kind of policy is that? If they hear nothing- they will take it off. But, meanwhile, I feel the impacts of something that I did n't even do! It 's so frustrating. This issue does not show up XXXX, but I am frustrated beyond belief with Experian. And, Experian also will not show or erase any of the history of my credit score constantly going lower over the next several weeks until this is resolved. So, I look like I have bad credit when I do n't. I look delinquent when I am not, and I can not seem to get an answer or find anyone who will help me.
I have been paying on my car loan for over five years now. According to the truth in lending statement signed XX/XX/13, my original loan was for {$16000.00} at an annual percentage rate of 15.95 %. My simple finance charge was to be {$8400.00}. So total price was {$25000.00} of which I paid {$1000.00} down, leaving me with {$24000.00} to pay. Payments were to be {$370.00} per month for a total of 66 beginning XX/XX/13. I will admit I had some difficulties with payments a couple of times, but I worked hard to make them up by making extra payments. There were times I would pay over {$1000.00} to my account to make up for missing payments. However, here we are, five years later and according to my lender I still owe {$11000.00} on my loan. I have tried to have them explain this to me. I have asked how this was possible considering my TIL statement. They can not give me a straight answer. I was looking to pay off this loan and be done. But with this much owed, it is impossible. I can not even trade the car in! I have asked for and received a ledger showing the amounts I have paid over the last five years. It does not make a whole lot of sense because half way through they changed computer systems. But, adding up the amount of my payments I get a total of {$26000.00}. This is over what my TIL statement claims I should have paid.
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .
The company is GM Financial, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. I have recently disputed the account with XXXX and after the investigation, the item was removed. However, XXXX and XXXX state that GM Financial claims this account as mine. I have no knowledge of said account. Note the high amount of the account is only a {$2.00} difference. Appearing to show that in 4 years ( life of account ) only {$2.00} were paid on the account. I do not understand how this is possible. I have never finance a GM product through this company. I had a XXXX that my now ex-husband financed through our credit union years ago. Activity date on GM account is completely off by 3 years from my credit union financed vehicle. This all being said, I 'm not sure how long things are scheduled to stay on an individual 's credit report. Whom ever this account possibly belongs to, it definitely seems it should be achieved at this point. Again, this is not my account and respectfully request your assistance in having it removed.
Capital One Bank has my current balance owed as {$290.00} and the balance owed is actually owed is {$170.00}. I closed the account because they kept charging fraudulent fees to the account. My credit line was {$300.00}. When I closed the account my balance was was {$170.00}. I told Capital One Bank I would not pay on the account until they corrected balance owed to {$170.00}. I want an investigation into this Corrupt Business and I want my Balance corrected to show that I owe only {$170.00}. XXXX XXXX XXXX
On XXXX XXXX 2014 - I purchased a Sofa set online at XXXX XXXX XXXX XXXX .... I used my line of credit with Synchrony Bank to pay for the order. 

I received an email from XXXX that same day. The email read : '' The manufacturer has notified us that the item XXXX s ) in your order will not be available as soon as expected. They do estimate the product will ship out from their warehouse on or around XXXX. Please note that this is an approximate date of when the items will leave the warehouse. Your order will continue to process unless you notify us of your request to cancel before your order actually ships from the warehouse. " On XXXX XXXX, which was XXXX day 's later, I wrote an email to XXXX customer service department, advising that I would like to cancel my order with them ... Even though I was in the allotted time frame to still cancel my order, XXXX did not honor my request, and they still shipped the sofa set out to me anyway. I did not accept the shipment - and they took it upon themselves to bill my Synchrony Bank Account for the shipping charges. ( Which were {$1200.00} XXXX I tried disputing the charges with Synchrony Bank - and they ended up favoring XXXX due to XXXX fine print - which contradicted what they advised me in their email communications ... 

I have kept all the emails that were sent back and forth between XXXX and myself, as well as the documentation from Synchrony refusing the dispute I filed. 

I am just appalled that XXXX company 's are getting away with this - and I do n't know what to do ... Synchrony has already put a ding on my credit report because of my refusal to pay for something that I cancelled.
I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help.
Payments were never late, always been enrolled full-time in school or there has been a forbearance in place or a deferment. Also all loans have now been paid off and consolidated but they have reported several loans with either XXXX or XXXX missed payments and this is negatively affecting my credit and journey of repairing and rebuilding my credit.
I have a item on my credit file with XXXX, XXXX, Equifax that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.
JG Wentworth erroneously held my mortgage loan and while I made XXXX monthly payments to them, the correct mortgage company did not receive my payments. After calling multiple times over a month 's period I was finally able to resolve the dispute only to find out JG Wentworth would not reimburse me the late fees and charges I incurred due to their negligence.
On XXXX my husband and I were at the SteinMart in XXXX, TN. and the cashier asked if we would like to open a credit card to get discount -- I said yes, the cashier said it did not go through and a supv tried something else to no avail, so we paid with our Debit Card. Fast forward to XXXX XXXX and we get a collection letter about the charge off on XXXX XXXX, XXXX ... prin {$220.00}, int $ $ XXXX {$390.00}. We disputed it and they researched then yesterday, XXXX XXXX, XXXX, sent " our stmts as proof '' ... problem is the address was wrong ( bad : ONLY XXXX XXXX ) ... we never rec 'd a credit card, any stmts, or any collection calls ( that left a VM ). We just spent 1.5 hrs being transferred from dept to dept in both SteinMart and Synchrony bank -- ALL had bad attitudes and were just trying to collect a " bad debt '', or even said we had to deal with XXXX XXXX since it was charged off. XXXX do n't want to hear it either ... .so frustrating!!!!! We have our bank stmt that shows the transactions were paid by our debit card -- not charged which I have attached. I do n't know if fraud or huge mistake, but I do no we did not charge anything and did not know we even had a credit line until saw it on a stmt that XXXX sent. I hope you can help resolve this and get ANY negative ratings removed from the credit report, which must be horrendously bad ( lates and charge-off ) ..Thank You for any assist.