WillisBack/dataset-financial-user-claim huggingface dataset:
I am a small business and when we receive a chargeback from credit cards we investigate all claims. 
The first one is regarding American Express ( control # XXXX ). Customer called store and asked for refund for three months on XX/XX/XXXX. Customer was refunded and shows a refund of three months for {$64.00} each on XX/XX/XXXX. The same day the customer disputed the charge through American Express on XX/XX/XXXX. American Express immediately debited my account without seeing in their records this customer was refunded 3 times. After speaking with XXXX ( my credit card processor ) regarding this case ( CHARTS # XXXX ) and American Express case ( XXXX ) they can see this customer XXXX XXXX ( last 4 digits of CC XXXX ) was now refunded 1 extra time ( for a total of 4 ) and there is no way to get the money back to me. Both XXXX and American Express and pointing fingers at each other and won't refund my money. 

My second is in regards to XXXX credit card fraudulently keeping money. Customer stated she cancelled charge and disputed it XX/XX/XXXX. XXXX sent me case ( XXXX XXXX ). I disputed case stating customer used the service. I spoke to customer and she sent me proof that she recognized the charge and withdrew the chargeback XX/XX/XXXX. I sent this addition information and I have still not received the money back for this transaction. XXXX denied the chargeback and customer was charged for this on her account ( CC last 4 digits XXXX ), XXXX is keeping money that is not theirs to keep. 

My third example is outright customer fraud on us. Customer disputed charges to credit card on XX/XX/XXXX for a charge that occurred XX/XX/XXXX. The vantiv charts # XXXX. Customer stated reason was " cancelation of reoccurring transaction ''. I faxed signed credit card receipt and said there is no cancellation, customer came in and received service and used her credit card for the service. I included prior months of signed credit card receipts ( that customer did not dispute ) showing signatures matched. Credit card company sided with customer even though we had signed receipts, XXXX XXXX proof transaction was valid, and her description of the incident as " cancellation '' did not make sense. XXXX told us to file a complaint with the police department. In this case the customer just disputed to get free services
I submitted a payment in the amount of {$1100.00} on XX/XX/XXXX, stating it was to be applied to loan XX/XX/XXXX, with an initial balance of {$11000.00}. It was an extra payment above my monthly auto-debit. I requested it be applied only to principal. I reached out on XX/XX/XXXX because I noticed that {$5.00} had been applied to interested, and {$1100.00} applied to principal, even though I specifically stated all the payment was to go to principal. I contacted customer service, and the rep said they had to apply payments to any interest or late fees first, as that it was their policy. There was no changing that, and the only way around it was to submit additional payments on the same day as the auto-debit. I said okay and that was the end of the call. On XX/XX/XXXX, I was in the process of submitting another payment when I noticed that they payment from XX/XX/XXXX had now been applied to my other loan in the amount of {$270.00} going to principal and {$8.00} going to interest. I contacted customer service via a phone call, speaking to a rep named XXXX, and have documentation of the message I sent following the phone call. I told XXXX that the payment from XX/XX/XXXX had been misapplied, and she said it would be re-applied to the correct loan within 7-10 business days. On the 9th business day, I reached out to see if the re-application was still in the works, the rep told me it may take until after XX/XX/XXXX. On the 10th business day, the initial deadline I was given, the payment had not been fixed and I was told that the issue would be escalated, and it should be fixed by XX/XX/XXXX, given the holiday. On XX/XX/XXXX, my payment was still not fixed. I have numerous correspondence letters documented, which also track what was stated my phone calls that I 've had with different representatives. At this point, I 'm not being given a timeline for when this issue will be fixed at all. The representatives tell me they have no contact with their Financial Management Department. Also at this point, I 've attempted to refinance the loan, and due to my refinance lender 's error, {$8500.00} was sent to MyFedLoan, and MyFedLoan blanket applied the amount to both loans, even though I sent messages to MyFedLoan stating the loan XX/XX/XXXX was being refinanced. MyFedLoan will not work with me to get my XXXX issue resolved and now I have no hope that I will ever get my situation fixed.
I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX Consumer Financial Protection Bureau Case number # XXXX - Decision Not Fair enough AE Credit Card # XXXX I am not agreed your decision .it 's not fair enough .Please double checked my call records and your corporate office one of manager they agreed to grant Visa card. 
And also Universal data form AUD # XXXX bank submitted only removed account only. all the major credit report that account already removed and XXXX Hard inquiry on XXXX/XXXX/XXXX still remains. Please removed that hard inquiry as soon as possible Due to I have so many accounts maintain your bank and please reconsider my request. 
Until I am getting fair resolution I am keep sending complain though CFPB. 

Thanks XXXX XXXX XXXX
Wells Fargo Bank called and informed me they wanted to close my account due to too many claimsand too many debit card replacements. After contacting them to dispute this I was screamed at and was treated to several abusive tirades
I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.
I called to receive payoff amount for my auto loan and was given an amount that was far higher than expected. I was then advised that I was not being charged the annual percentage rate that was agreed upon in my contract but a daily interest rate. Nowhere in the contract that I signed does it state that I had a Simple interest loan and was to be charged daily. Representative I spoke to when called on XX/XX/XXXX at XXXX was not able to explain to my why my contract was not being upheld and only would say that Westlake Financial only offers Simple Interests loans. But yet I was not provided with a contract that states that. Pulling payment information also reflect that several of my payments were interest heavy and paid more interest than principal some months.
Please remove hard inquiries from in account, not all are applicable. I 've never had dealings with Equifax mortgage solutions, do not have mortgage nor do I need one. I dislike that this reporting lowers my credit score. Also, I do n't understand why my credit cards represent a negative. My history is clear ; I always pay my accounts in full monthly.
4 years ago i had a TD Bank Bank account i keep it in good standing paying all these fees to them. on XX/XX/2014 they overdrafted my account illegality and accept a farude payment made by a merchent that i did not give authorization for to take form my account. in turn they sent me a threating letter of personal harm stating that i am in debt to them. They have broken the law and caused me not to have a bank account with other banks with their Negligence going close to Gross Negligence they did not make me whole and to this day they keep on trying to collect a fraudulent payment that they say i owe them. for 4 years i have been trying to fight these people and they just ignore me
I filed Bankruptcy onXX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX. It also listing XXXX XXXXXXXX as a closed account when in fact it was paid off by XXXX XXXX inXX/XX/XXXX
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous
Experian sent me my most recent Credit Report dated XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The same inquiries have been properly investigated and removed within the time period while Experian is using delay tactics to resolve the matter. The following inquiries are being disputed : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ( 2 TIMES ) XXXX # XXXX ( 2 TIMES ) XXXX XXXX BANK # 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 Please note that for some of the mentioned disputes have been made known to Experian since XXXX 2016. Experian has not complied with the 30 day period as per the FCRA.
During our vacation in XXXX 2015 my wife and I were involved in XXXX XXXX XXXX XXXX XXXX scam that included opening XXXX RCI Elite World MasterCard. Realizing our mistake, we cancelled the timeshare within the rescission period, contacted XXXX next day to request the payment to XXXX XXXX XXXX XXXX be stopped, and spoke with Barclay Bank to cancel XXXX our cards. A week later, I received a letter confirming the cancellation but with a balance in the amount of down payment.
Mr. Cooper had bought out my VA Loan from XXXX XXXX. They didn't even have the loan for 90 days and now have decided to sell the loan to XXXX XXXX, they informed me.on XX/XX/XXXX by mail and I have strongly disagreed. I don't agree with XXXX XXXX business practices, nor do I have to and it not only causes me a XXXX  percent Veteran a great inconvenience, as we intended to combine loans and make.one payment with Mr. Cooper, with our TXVLB purchase on XX/XX/XXXX, but it also hurts our Credit Score drastically switching hinges companies continuously.
As a customer of Wells Fargo Bank for 6 years I applied for a Cash back credit card. On the application form I filled out my details as suggested and gave all my information. I was denied a credit card on the grounds that I was not a citizen or a green card holder. Upon inquiry I found out that as a resident Alien on an XXXX XXXX that the bank ran a credit check and denied me a card but nowhere on the website does it mention that only citizens or green card holders can apply. I Asked the bank why it was not mentioned on the form and why no banker would mention it? They said it was against Federal Law to to discriminate people while applying. This is misinformation because people apply but they do n't meet the standards for qualifying. So this is a violation of Federal law indirectly and it is discrimination. No other bank would deny me a card based on my citizenship. As long as I have a social security number and a good credit score that should be all the the Banks need. Do look into this matter as Wells Fargo is very discriminatory as to who they provide credit too. I am a resident Alien legally working and paying my taxes and bills on time. I should not be denied basic Banking services based on my citizenship. My credit score took a hit because of misinformation.
Personal information was leaked by Equifax, including Name, DOB, Address, SSN, etc. some time before XXXX XXXX, 2017 due to a security breach caused by gross negligence with regards to security practices surrounding their website. 

No action was taken by Equifax, who actively refused to publicly acknowledge this breach, for over five weeks. 

Once knowledge of this leak became public, they attempted to offer a single year of credit reporting services- services they happen to profit from- which also included a binding arbitration clause protecting themselves from civil liability to their own incompetence. This offer was rejected out of hand as insultingly inadequate.
XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that
I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he  was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.
I applied for a payday loan 10 years ago some agency calling on behalf of Department of Investigations called my friends and family members threating that I was going to be arrest for fraud and larceny. This particular payday loan has been consolidated from my previous bank resulting in my checking account being charged off I have all documents but this agency harassed me for {$420.00}. She told me she was forwarding my information to an prosecutor and that I will be locked away for federal charges. Their number is XXXX..please stop these people from harassing me
XXXX card was used to purchase gift cards from XXXX, when they cards were checked they were all empty had XXXX balance, reported to XXXX and XXXX. XXXX sent me emails from the XXXX unit which stated they attempted to contact the people who used the cards both on line and in the stores but have not received any response. They know I did not use any of the gift cards, they have also stated they know everyone who used the cards by date and time but can only share the information with law enforcement, I tried to file with XXXX Metro PD but they said it was a Federal issue as XXXX is located in XXXX and I live in XXXX XXXX, I then was told to file an IC-3 ( # XXXX ) which I have and have not heard anything back. XXXX refused to give any credit back to my XXXX, they admit that I never used any of the gift cards, and they know who did. I request a credit back to my XXXX for the full amount and a letter to all the credit agencies that this was fraud by others. I spoke with XXXX in their XXXX customer service who gave me the date and time each card was used, you will see the last XXXX numbers of each card the date used and the time, the cards never left my possession so how does one make a purchase in the store without the card? XXXX will do nothing to help nor will XXXX they said there is nothing they can do.
Actually never talked to this collector ERC and do not know what the debt is about. I have not heard from one of my creditors that this debt collector is taking over my debt. Called me several mornings between XXXX and XXXX. Tells me to call XXXX and give the number XXXX. I would like a list of debt collectors who are licensed to practice in Connecticut.
My student loans are in default. I have entered into a payment arrangement with  XXXX , the collection company for the loan issuer. Th e   XXXX   XXXX   XXXX   tells me  they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( the default ) h owever, they should have to report my payments and show that I am trying.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AMERICOLLECT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.
i opened a line of credit with them. they immedeatly froze my line of credit and never once allowed me to draw on my line. i have complained constantly to them 3-4 times a year for me to access my line. they continued to deny my access to my line of credit. they continued to stall me year after year and denied me access now they are saying my line is in the payback period and that i have to reapply
In correspondence datedXX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents lastXX/XX/XXXXand still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!
On  XXXX   XXXX ,  2015 . Transunion reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
I went to the hospital and provided my insurance information. However, by the looks of it, there are bills on my credit that I do not owe. I contacted the credit agency XXXX and requested proof that the information they had was incorrect. They stated the only thing they had was a itemization of services. I explained to them by law, they are required to provide me with something of me agreeing to the amount that was left because the hospital never advised me that I had a remaining balance on my credit report. They just continued to provide me with they are correct. I spoken to several agent with XXXX and it only gets worse with every agent.