WillisBack/dataset-financial-user-claim huggingface dataset:
I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX  and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX  lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening.

Therefore, I tried to call XXXX XXXX XXXX and XXXX   to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX  suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true.

All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX  and vice versa.

Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately *paid more* to cancel.
Hello XXXX XXXX XXXX, I had previouslyu written you a letter and sent it to you on XXXX XXXX, 2016 regarding my deceased mother in laws ' estate and her relationship with Citizens Bank in XXXX Rhode Island. My husband XXXX is XXXX XXXX 's stepson ( deceased in XXXX 2016 ). 




My husband XXXX XXXX was named Temporary Custodian for the Estate of XXXX and the Probate Court in XXXX Rhode Island where this case is still open. 




When my husband requested information regarding the accounts of XXXX XXXX in XXXX 2016 he was told that XXXX did not have a safe deposit box at the bank. He asked the bank manager named XXXX on several occasions and the answer was always " No ''. 




On XXXX XXXX, 2016 we received a bill in the mail for the safe deposit box account for XXXX. This was the account that Citizens Bank told us never existed. 




Furthermore, on XXXX XXXX, 2016, XXXX and I visited Citizens Bank XXXX branch. We spoke to another manager named XXXX who told us he had to check with the legal department before granting us the contents of the safe deposit box. 




On XXXX XXXX, when speaking again with XXXX, a manager at Citizens, we were told that the contents of the safe deposit box were taken by a person named XXXX XXXX. XXXX XXXX we have learned through much research, has hijacked all of XXXX 's Citizens bank and brokerage accounts which were very substantial. This also includes many annunity transactions all done through Citizens Bank. 




XXXX XXXX was illegally granted the contents of the safe deposit box. Citizens Bank told her to return the contents to the bank and then my husband and I were allowed to pick up whatever she " decided '' to return. 




The fact that someone with no legal documents was allowed to gain access to the safe deposit box is appalling. The fact is your bank lied to us and kept the information regarding the safe deposit box part of a cover up. 




It is with great regret that I must inform again of this error that Citizens Bank has done. The returned safe deposit box contents had several missing documents, CD '' s and the Will with our names on it, missing. Not to mention the jewelry and irreplaceable documents we will never find. 




I find your bank to be irresponsible and determined to cover this matter up. I would like to hear back from you as soon as possible to settle these shameful acts on the part of Citizens Bank. I am going to pursue this matter until I make Citizens Bank pay for what they have done.
XX/XX/2016, inquiries were removed from my Transunion credit file and several days later they were placed back on my credit file. These inquiries were added back to my file and I was not notified in writing by Transunion. Per the Fair Credit Reporting Act ( FRCA ), Section 611 ( 5 ) ( b ) ( 2 ), that is against the law. I have tried for several days to speak with someone at Transunion, however I have not been able to speak to a person, but placed on hold several times for extended periods of time each time I call.
When I opened up my account, I requested not to have overdraft protection, as I understand that Wells Fargo pays for it and I would be charged overdraft fees.Wells Fargo did not comply with my request. Consequently, I have been charged {$35.00} in overdraft fees for a transaction {$100.00} paid to the XXXX Superior Courts & an additional overdraft fee of {$35.00} for the processing fee XXXX Superior Court charged me of {$2.00}. I believe the overdraft fee should not exceed the actual transaction amount. It is unfair that I am trying to pay a traffic ticket and the bank charged me {$70.00} extra for the way my transactions posted to my account even though I had money on the day of the transaction. In addition to this transaction, I was charged another {$35.00} for a debit transaction made to XXXX XXXX of {$3.00}. The day I swiped my debit card I had money in the account. I know this because I checked right before arriving at XXXX XXXX. How is it that I was charged the {$35.00} two days later for a debit transaction I had funds for when I made the transaction. I understand Wells Fargo system generates the fees, but a human being created the system to work this way. It is unfair that Wells Fargo selects who they want to waive the overdraft fees for. It should be illegal to charge some customers overdraft fees and not others for the same cause. Wells Fargo continues to make a profit on overdraft fees while their customers struggle to bring the account back to positive.
I have previously disputed this account but did not attach a copy of the police report from the theft that caused the identity theft. My office was broken into and my identity documents were stolen. Several accounts were opened in my name without my knowledge. I have disputed this directly with ChexSystems and directly with XXXX XXXX XXXX but have not had the item removed yet.
XXXX XXXX XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, Experian & XXXX  to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX
I sent my student loan payoff amount in the form of checks to NAVIENT. I sent 9 checks to repay my student loan with an overage amount because I refinanced and the title company made them out for a previous month 's payoff. I instructed them on how to apply and its over a month and they have only applied two small checks. I 've called multiple times and they keep telling me to check online. All the checks were in the same envelope and I do n't understand why they ca n't apply my full payment even after multiple calls.
Synchrony Financial offered a low rate financing program in connection with my purchase of XXXX furniture. I set up automatic payments on the account at XXXX % of the minimum payment. My payments were made in advance. One month two payments were processed so the next month I was charged a late fee. In addition they charged another fee on top of the late fee known as the minimum interest charge. I was surprised to see the layering of the fees. The total fees were more than my XXXX % extra payments so for the two past months I have received late fees and the extra charge. Given this cycle one would never be able to get back on track and enjoy the " special interest buying incentive. '' I fortunately am able to make the catch up payments however the common citizen may not be able to do so. 
I think this is a clear case of abuse by Synchrony. 
I would like to ask that the CFPC take a close look at this program.
PNC bank is a predatory lender. They have just entered XXXX/XXXX/16 as the date reported on my credit report. This is incorrect and needs to be fixed. I have no accounts with PNC have NOT been with them for at least 6 years. PNC has not and is not an honest bank.
SyncB/PayPal Extras MC : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year.
I received an offer from Delta XXXX for a Delta SkyMiles American Express credit card. The email stated : " The time has come to plan your next big adventure. Apply now and you can earn XXXX bonus miles after you make {$1000.00} in purchases on your new Card within your first 3 months '' I signed up for the card, and spent {$1300.00} in the first three months ( see attached credit card statement ). However, after several months, I realized that I had not been credited these points. I called Delta to explain that I had received an email stating the offer, and they forwarded me to American Express. American Express then informed me that they had changed the offer to {$2000.00} in the first three months, unbeknownst to me, and that since I had spent only {$1300.00} I was not eligible for any points. They asked me to FAX in the original email I received and they assured me that they would follow up. I never received a follow up. 
So I called again in a couple weeks and went through the same explanation, which took about XXXX2 hours of my time. The supervisor assured me they would follow up. Nothing. They also gave me an email account with which to send my original email offer. I never heard back but did receive notification that the email went through. 
I followed up again in a few weeks and spoke to another supervisor, who informed me that the marketing department rejected my request for the XXXX points that I had been promised in the original email, still stating that the offer was for {$2000.00} in spend in the first three months ( despite the offer in the email - I have attached to this complaint ). 
I cancelled the credit card out of frustration. 
Please help me do whatever I can to rectify this situation regarding the fraudulent and misleading email I received. 

This has resulted in a loss of {$500.00} worth of airline miles to me directly, in addition to 5 hours of time.
Both parents passed ( Dad XXXX XXXX and Mom XXXX XXXX ) they had a loan with Reverse Mortgage Solutions. I first tried to get a personal line of credit against my home to pay-off my parents debt, and was not able to get enough money, therefore I put their house up for sale. I contacted RMS by fax ( they told me that was the only way I was to relay information ). I gave them the XXXX number and asked for any extension because they said they would foreclose and take the home. My parents owed $ XXXX, and the house sold for $ XXXX in XXXX XXXX. The Title company contacted them after I faxed my permission, and let them know their was a buyer and an offer. Then the RMS XXXX sent out XXXX letters addressed to each parent, and the Estate telling us they filed foreclosure paperwork. Once the house was in Escrow the RMS send paperwork to the Title company letting them know they were going to charge the estate : Release fee : {$58.00} ; Corporate Advance : {$600.00} ; Monthly Service Charge : {$33.00} ; Outstanding Fees and Costs for Foreclosure : {$1800.00} ( filed on XXXX XXXX ). The house closed on XXXX XXXX, and RMS was unwilling to wait 2 weeks. 
I would like RMS to pay back all fees except release fee ( {$58.00} ) and monthly service fee ( {$33.00} ). 
I was bullied and given so much XXXX to my life while dealing with the loss of both parents ( 6 months apart from each other ) - they were married for 65 years. 
I tried so many times calling, emailing and faxing to talk with someone to understand the loan and explain my situation on getting the house sold. 
My name is XXXX XXXX, Daughter and Trustee to the XXXX estate. My work number is XXXX ext XXXX ; cell number : XXXX.
Where to start, I had mixed a debit card up with an employee at my office. She needed to get starter checks on her account for personal reasons. She took my card to Chase bank located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. She went to the teller and asked for starter checks. The teller asked for her PIN number, and she put in her PIN number. This was obviously not correct as she had my card. They then proceeded to ask her for her drivers license. She gave that to them and they then withdrew roughly {$40.00} from my account and issued her starter checks with my information. She then left the bank and walked outside, that is when she caught the mistake. She then called me to let me know we had switched cards and the situation. She went back in and gave them the checks and they did the transaction on her account. I would like to know how an employee of a financial institution can ask for a drivers license to check the identity of someone and still not verify that is the account holder. The most painful thing to me is that after this big mix up, the employee who went in with my card was given my card back upon exiting the location!
On XX/XX/XXXX I sent a wire of XXXX usd to company called coinbase, the money was to be credited to my account with Coinbase, i planned on using these funds to purchase crypto currency. I was informed via email from Coinbase on XX/XX/XXXX, that the wire can not be processed due to the wire not being sent from my personal account. I was informed via the same email that the wire would be returned within 7 business days. Today is XX/XX/XXXX, almost 2 months since I've sent the the wire. I have submitted multiple cases to which I am receiving no response, I have escalated, I have called, Ive filled a complaint with the Attorney General. I have bills that I am behind on and request your aid in resolving this issue. 

Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This company is collecting a debt on behalf of XXXX XXXX XXXX XXXX. The date of service was XX/XX/XXXX at XXXX XXXX. The XXXX Associates fail to resubmit a medical claim to XXXX and XXXX for XXXX, which is both my insurance companies. The claim they originally submitted had the wrong social security numbers associated with the medical coverage. XXXX belong me to and XXXX for XXXX to my sponsor. We are both veterans. This CSA refuses to contact their client XXXX XXXX XXXX XXXX after I contacted XXXX about the errors in the submitted claim and rejected claim, and was told to tell XXXX XXXX XXXX XXXX to re-submit the claim even though it is very late. Under the circumstances of the wrong social security numbers used XXXX is only asking the medical provider to resubmit the claim for processing for payment. This CSA wants " money '', my money! I have 100 % health care coverage from the government and this CSA will not ask their client to resubmit, give me the client 's phone number or contact information. They are abrasive, rude and totally unprofessional with their service to a consumer. They told me that they could not verity my insurance with the government, and that was a total lie, the government never closes and I have had the same insurance for since my husband 's retirement in XX/XX/XXXX and I went on XXXX in XX/XX/XXXX, and nothing has change with my coverage. They just want cash money and I refuse to pay a collection agency that sent my name and this account to all three credit bureaus because they will not bill XXXX or XXXX for XXXX. They also refuse to send all three credit bureau a letter stating they falsely reported this debt. This is a violation of my consumer rights!
On XXXX XXXX, 2017, Ditech denied the Home Affordable under the HAMP Program claiming that the 31 % is less or equal to 31 % of the gross income. Pursuant to the XXXX servicing Guide published on XXXX XXXX, 2017, servicers are required to include the monthly payments for all Heloc. Thus, the housing debt ratio must included the following : Principal & interest Taxes & Insurance HOA dues The principal & interest, taxes and insurance included for the fist lien : 1. {$660.00} Second lien ( HELOC 2. {$580.00} HOA dues 3. {$210.00} total Housing expense $ {$1400.00} divided by monthly verified income $ XXXX % The record reveals the the debt to income ratio exceeds the 31 %. Ditech failed to abide by the XXXX servicing guide published XXXX XXXX, 2017. The records reveals i am eligible for the XXXX Program.
The data shown and reported on my Transunion file is still incomplete! 

My " Payment History '' on my credit file shows as " no info available ''. I strongly challenge the accuracy of that credit factor. How can it possibly show no data when you have my credit card shown on my credit report? I should be getting some " payment history '' rating here associated with my credit card, regardless good or bad. And I know it is a good rating for I had always paid in time and am being rank by my Creditor as " A ''. 

Lacking points I should deserve for this credit factor might have resulted in having lost a car deal I had wanted to purchase. 

Please remediate instantly! 
Thank you.
XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.