WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XX/XX/XXXX ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XX/XX/XXXX - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XX/XX/XXXX WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. PAYPALS EXPLANATION IS " THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO. '' THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH. I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ( shown in XXXX statement ) ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. 
THE XXXX STATEMENT CLEARLY SHOWS THE CHARGE ON XX/XX/XXXX FOR {$500.00} FROM XXXX XXXX AND SHOWS THE  REFUND OF {$500.00} ON XX/XX/XXXX FOR THE CANCELLED ORDER. 
THE XXXX STATEMENT CLEARLY SHOWS THE {$500.00} HAS ACCRUED INTEREST OF {$52.00} FOR A TRANSACTION THAT WAS CANCELLED IN XXXX. IF THE CHARGE OF {$500.00} WAS REFUNDED AND POSTED TO MY ACCOUNT ( as shown the the XXXX statement ) THEN WHY DOES IT APPEAR IN THE XXXX STATEMENT WITH A BALANCE OF {$320.00}?
I try to submit a " dispute '' for their ( Equifax ) listing of a wrong previous address ( XXXX XXXX XXXX ) which I have never lived seen or touched!!, but every time i try XXXX, NY ) to submit the dispute after entering all the initial information XXXX ) they require as Step 1 of 5, they kick you out with error message : " YOUR TIME HAS RUN OUT - PLEASE TRY AGAIN '' AND it does not matter how many times you try!! 4. There is also the problem that if you lookup XXXX & last 4 = XXXX you will find the are XXXX of us with the same last 4!!!
I submitted a complaint in XX/XX/XXXX. I worked with Citi Mortgage and completed all needed paperwork and sent all needed forms in. I also sent {$2000.00} to start paying my loan. I sent the payment in in XX/XX/XXXX. The money was accepted and I went to the foreclosure meeting and informed the attorney ( Citi Bank attorney ) that I sent in a payment. She was very surprised. I completed all the paperwork as given in time. I spoke with XXXX XXXX XXXX and she informed me that she received all the information and that it was being processed. On XX/XX/XXXX I received the {$2000.00} check back with a letter dated XX/XX/XXXX. I also received a letter stating Citi Mortgage was selling my loan to XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. They provided me with account number and contact information to contact them after XX/XX/XXXX. I scheduled a telephone contact with XXXX XXXX and she told me the modification was not completed and to watch my mail for information on it. I am confused if they have sold my loan how are they still working on the modification?. XXXX XXXX stated that Citi was not servicing loans anymore and it had nothing to do with my pay status. XXXX XXXX also said that she needed other paperwork after thanking me for sending in all needed paperwork with no further request from Citi Mortgage. I contacted the new agency on XX/XX/XXXX and was told they had no information of my account and that they did not know what my payments were and anything about my loan. I feel that Citi Mortgage is trying to make me loose my home. My credit rating is in the dumps and I can't help myself with this matter please help me this is my home.
Convergent Outsourcing Inc. keeps contacting us via mail re a XXXX debt we do not owe, and have never owed. For years, we have used a different carrier for cell phone service. This company is known for attempting to fraudulently collect debts that are not even owed. Maybe there is someone with a similar name who does owe a debt.
I show XXXX inquires on my equifax report that should not be and was not performed by me, I have requested by certified letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
I believe that American Express may be discriminating against me due to my age. Taking into consideration my history of payment with them, my income ( which they are aware of. ) I see no other reason why the application could have been cancelled.
On or around XX/XX/XXXX, received an email stating that this company has my account. I've emailed back on the XXXX requesting verification of the dept. 

On XX/XX/XXXX, received another email stating that they are going to contact the original holder, and will send me the information. 

Today, almost 30 days later, never received verification of debt.
There is an address of XXXX XXXX XXXX, XXXX, CA XXXX, that is listed on my report. I have never lived at this address. Until just over 2 yrs ago, I lived and worked in XXXX XXXX County for over 30 years. Can someone please remove this address from my credit reports? I do n't know where this address came from but it is incorrect.
company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge
convergent has failed to remove this alleged account from my credit report. they are still reporting but refuse to provide me with a copy of any viable evidence bearing my signature showing showing the account is being reported accurately and all they send was a copy of an itemized bill in which could belong to anyone. according to XXXX XXXX XXXX convergent should be aware that a printout of a bill or itemized documents does not constitute verification. convergent is still reporting on my credit report. I have even send them a letter certified requesting this information and I am keeping careful records of everything i send.
XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.
I have disputed these fraudulent accounts with XXXX  to no avail. XXXX has deleted these fraudulent accounts. My next step is to file a lawsuit. This is a violation of the FCRA : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX/XXXX XXXX # XXXX  Simply saying that the accounts have been verified as accurate is illegal if XXXX have verified them as not accurate and have removed them.
XXXX XXXX XXXX XXXX XXXX was Closed due to Fraud and Predatory lending Practices I Qualify for Permanent Loan Dismissal According to the Federal Gov But when i contact Navient they tell me no such Program Exists and that I do not Qualify for this Program. 
Yet under Federal Statue i due and they refuse to dismiss my Loans cause of this
Midland credit harassing phone calls night and day. Now, sending me a demand for payment for which I do not owe. They do not have a license to practice in the state of Massachusetts, as well as violating numerous illegal debt collection practices.
Dear Sir/Madam : Urgent please. We have an ongoing short sale on our property, but morgage servicer has a Trustee Sale put in place on Friday, XXXX/XXXX/15 TS # XXXX, XXXX. This was an issue of Dual Tracking because we have BSI ( XXXX lienholder ) email communication of minimum acceptable price of $ 750K and XXXX XXXX ( XXXX lienholder ) approval, plus buyer 's ratified purchase offer of $ 780K contract with proof of financing. I have attached all documentations. Hoping for your kind and prompt assistance to this matter so we can save our home. Thank you very much.
In XX/XX/XXXX of 2017 I was contacted by Chase bank to be solicited banking products, and I told the rep that I was looking to refinance my construction loan so they transferred me to their mortgage group. The Rep recommended a 120 day lock product, and promised a {$3000.00} credit for closing costs. I was requested to deposit {$6000.00} to make sure I committed to borrow from them and {$500.00} for the appraisal which I paid. I asked the loan officer if this was the right product for me, given the new construction was not complete and there was risk of 2-4 weeks of delays. He assured me that his branch manager will provide at least two extensions for free, and maybe more and not to worry about it. He recommended it was the right product for me.
I moved in the property, and asked Chase to do their inspections since the property was finished inside, but had a few outside items to still be complete. The inspector identified the items, and I agreed to provide the money in an escrow to the bank and receive the funds after items were completed. The bank extended the loan and mentioned that there is no issue with extensions. After we completed the checklist the bank wanted stair railings, so I installed temporary ones to satisfy the conditions. 

Throughout the process I asked them and reminded them of terms agreed, and they mentioned up to 2 days prior that all was the same as agreed and to ignore all closing disclosures up to that point as incorrect. The day before closing I was informed that Chase no longer will provide the {$3000.00} closing credit as it had to extend the loan too many times, admitting the last two extensions were due to their fault. I was furious and asked to walk away from the deal.
I spoke to the manager, who mentioned that I will not be receiving the credit, and that they would keep {$6500.00} already paid if I walked away. I could have borrowed today at 1/8th cheaper and a closing credit.
In short, the {$3000.00} closing credit never showed up to any of the closing statements ( over 20 of them issued and told to ignore ), which makes me think they never indented to pay. They knew they could corner a customer with the extensions and as a result they could change the terms at the last minute. This is a sign of a bait and switch and wanted to report so others do n't get trapped into this lending tactics.
I attached two Closing Statements, one that had changed every week, but never mentioned the closing credit and the final one after all points and extensions that were used to scare me went away.
My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru CHASE Bank. I contacted Chase bank customer service, who transferred me around 5 times, having to repeat the same story to XXXX different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from CHASE Bank, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. CHASE had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. CHASE then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX Further, CHASE received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/. CHASE REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from CHASE Bank 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from CHASE Bank, who is destroying my credit for 7 years! Thank you!
The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXX.According the law any Lien which has incorrect information must be deleted ASAP.
My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.
On XXXX XXXX I reviewed my credit report and found there was a collection account placed on my credit report from Commonwealth Financial Systems. I filed a dispute with the XXXX credit bureaus in writing on the same day. They updated the account with the XXXX credit bureaus but never provided me with documentation on the debt being mine. The credit reporting agency XXXX gave me a telephone number to reach them because there was nothing else for them to do. I called in XXXX and spoke with XXXX XXXX. He told me that the bill was for someone else who was a minor at the time. I stated that this was not my child nor was I in any shape or form responsible for this person. He stated he would request the medical records/discharge papers to see who signed for this child and to call back in a week. I called back and spoke with XXXX XXXX on XXXX and he stated that the information had n't been received by the client as of yet. I also explained to him that the child the bill belong to was a foster child and a ward of the state he told me to get something in writing and that they would rectify the matter because they see this often with social workers. Then on XXXX XXXX I called back to see if these medical records were received and was told they are waiting on the client to get back to them. On XXXX XXXX I submitted a letter to Commonwealth Financial Systems from the agency stating that this child was under their care. On XXXX XXXX I was told that my account was placed on hold and they would reach out to client relations to find out why. Today XXXX XXXX I spoke with XXXX who was condescending and stated she would hang up on me. She also stated that she has to reach out to the client to obtain the information. They are in violation FCRA laws by reporting a debt that in not mine and harassing me with consistent stall tactics. They also violated the 30 day rule in which they are to provide proof that the debt is valid through investigation.
I am not sure I checked off the best description of my issue as none really seem to fit. I have several accounts through Synchrony Bank that were in collections. I have faithfully paid the collection agencies each month on time. I recieved a letter today from the collection agency I have for XXXX accounts. They said they are no longer servicing the account and that a different collection agency was. I called that collection agency and they told me that Synchrony had withdrawn all XXXX accounts and that I would need to call them. I called Synchrony and was bounced around from once department to the other and finally was told that they had no information on my accounts and I would need to call back later. Really? I am trying to at least own up to the arrangements I made and now they ca n't tell me anything. I do n't want any threatening calls or letters. I have had more issues with Synchrony than any other agency I have ever worked with. I have no idea who to pay now. The letter I recieved told me not to pay them any more. Well they are automatic payments.
I noticed below collection amount in my XXXX Credit report and this amounts is not owned by me. I called the original creditor " XXXX XXXX  XXXX XXXX, XXXX '' and they confirmed they don't have record of me being in their clinic during XX/XX/XXXX. Initially this collection came up in my XXXX report and I disputed and it got resolved and now it is appearing in my XXXX. I tired disputing but now the new collection agency " Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX '' didn't remove this from my report and they said I owe. But I never been to clinic " XXXX XXXX  XXXX XXXX, XXXX '' which can be confirmed with the clinic. Below amount is appearing in my Credit Report. 

1 ) .Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$670.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$670.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 2 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health XXXX Client Name XXXX XXXX XXXX XXXX  Original Amount {$1600.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$1600.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 3 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$260.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$260.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account
I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.
How are you. I sent a complaint in for COMMON WEALTH FINANCIAL. a few weeks ago you all got it removed from my XXXX  report. I noticed, it is still showing on my XXXX report. if you can kindly get it removed, I would Appreciate it.
On XX/XX/XXXX, I sold virtual currency " XXXX XXXX '' valued at {$2900.00} USD through Coinbase.com, a cryptocurrency exchange. They have never deposited the money into my checking account and I have had repeated interactions with their customer service where I was given unresponsive, inaccurate, or incorrect information as to the status of this transaction. I have spoken with customer service representatives named XXXX, XXXX, and XXXX, and Supervisors named XXXX, XXXX, and XXXX. None of them have given me conclusive information as to the nature of the delay or when I can expect payment. As of XX/XX/XXXX, more than 3 months later, I have still not seen these funds and have no idea when I can expect to. The last interaction I had with Coinbase customer support, they indicated I might consider reaching out to their legal team.
INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with Transunion, XXXX, and XXXX. 

I have asked Transunion, XXXX, and XXXX  whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying Transunion, XXXX, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.