WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I booked a flight to XXXX, XXXX, ( Ref # XXXXXX/XX/XXXX XX/XX/XXXX credit card statement ) with a travel agency I found online, XXXX AirTKT. I called the agent and I thought I booked a ticket and I gave them my credit card information and was charged {$1300.00}. He gave me a travel agency confirmation number but not a final confirmation for the airline. He promised to email this information to me immediately but I never received it. I called the travel agency several times on a toll free number they were able to see my number and was placed on hold for up to 15 minutes at a time, but each time the call was disconnected. On XX/XX/XXXX the third time of sitting on hold I decided to call Bank of American Credit Card division to cancel this charge. I then booked a flight with XXXX XXXX, Ref # XXXX. 
Several days after the charges were reversed, I begin to receive a flurry of unfamiliar phone calls from an XXXX area code. I dialed the number back and it was the travel agency and I explained to the travel agent that I had not received the information as promised and I had cancelled the flight reservation. I saved the voice mail from the travel agent saying that it was not a problem and that he would cancel the reservation if you care to hear it. 
I would not have booked a more expensive flight days later with XXXX XXXX had I received the flight information as promised or if someone had taken my phone calls, nor was I able to leave a voice mail.. I saved the voice mail from the XXXX XXXX agreeing that a refund was not a problem and that he would cancel the flight. I have recently researched this XXXX XXXX and have found out that this Company is not registered to do business in the XXXX of California. I have called XXXX XXXX six ( 6 ) times and now told me that too much time has passed after the refund was approved and refunded back to my Account. XXXX XXXX mailed a letter asking for my explanation of what happened but the letter was ( 2 ) two weeks old when I received it. Once I received the letter I responded in ( 2 ) two days and followed up with a phone call to get an Email Address or Fax number to send my response and I was told that the only way to return it was by mail. 
In conclusion, I would like to know how a major Corporation, Master Card and a XXXX XXXX is able to conduct business in California without being Registered to do business in the State of California or the united States, nor has a Registered Agent in California or the United States. I have no remedy to resolve this matter as I have called XXXX XXXX at least six ( 6 ) times. I would also like to know what my options are to remedy this matter.
There was a promotion with us bank that if I made two transactions per month I would receive XXXX by XX/XX/XXXX I. After I talked with XXXX and another male banking officer at XXXX Wi, I went to Us Bank XXXX. She told me I only needed to make one transaction per month and that XX/XX/XXXX I, I should receive my money. Today is XX/XX/XXXX I. I talked with. XXXX, Us Bank. XXXX Wi, who said she would send an email and wait for a response. XXXX from Us Bank told me this last month. Us Bank. Doe Not Keep their word, and Us Bank in XXXX Wi never get back to you. I want my {$200.00} today. 

I feel I have Being Scammed! 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Wi. XXXX XXXX
For a {$600.00} loan been paying for over a year. My supposed payments were not payments but the interests payments. This to me is deceiving.
Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.
This company is reporting a credit card account on my credit reports that does not belong to me. I disputed the account with the credit bureaus and it came back " verified ''. I then sent them a letter on XXXX XXXX, XXXX ( please see attached ) requesting validation of this account and they responded with XXXX letters saying that they could not provide the information I requested ( please see the attached ).
A gentleman by the name of XXXX XXXX with XXXX XXXX XXXX contacted my mother ( XXXX years old ) and told her he could consolidate her credit card debt, which was a little over {$3000.00} ( $ XXXX on XXXX card and about {$300.00} on another ). After consolidating her debt he processed a charge electronically to her discover card for attorney 's fees in the amount of {$11000.00}. Discover card would not refund her the money because they told her she agreed to it. She was not aware of the amount he would be charging her or she would have never agreed to it. They did, however, waive a {$300.00} fee that was applied.
I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute bankruptcy that appears on my credit report. Experian refuses to properly conduct investigation and claim they have already investigated item on several times. Experian representatives continuously lie stating they have sent someone over to representative over to federal court to verify information. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last XXXX digits of the individual 's social security number or tax identification number. 

Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is ( that includes credit reporting agencies such as Experian ) : ( 1 ) Your Full Name ; ( 2 ) The Last XXXX Digits of Your Social Security Number and ( 3 ) Your Address. Furthermore I was advised in order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. 

I have asked Experian representative to provide me with copy of court subpoena they received granting them full access to case. I have personal looking in The PACER Service and information listed on docket show address I never lived and last XXXX digits of a social security number. 

XXXX and XXXX have both removed this inaccurate information from my credit file and I would appreciate if Experian is forced to do the same. I am very sick and tired of playing cat and mouse with Experian. Their customer service representatives are very rude and company has culture to tending to wait out 30 days and not investigating disputes.
On XX/XX/2018, Western Union ( WU ) customer service directed me to write an e-mail to XXXX XXXX XXXX  unit after I called Customer Service. I was asked to call after I received an XXXX code while attempting to send money ( a mere {$60.00} ) to XXXX. The last transaction I attempted to send was also almost blocked, and I was also asked to call customer service and I was told it was for my own protection. To protect me from scams. I thought this issue was all taken care and resolved. 

I am an XXXX, no criminal history, and I would like to be informed me why I as a U.S citizen I am not allowed to transact business with Western Union. 

I've not heard from the XXXX XXXX XXXX, and I've resent the the e-mail and copied Western Union 's  XXXX.
XXXX XXXX XXXX is not bonded in the state of texas so im asking that this be removed from all 3 reporting credit agencies.
My name is XXXX XXXX and I am a XXXX XXXX employee. 
I use the Western Union Online Transfer Service twice a month and I am getting charged for a service which I am not receiving for the last 4 months. 
Last year I was paying only {$7.00} for the money transfer ( up to {$2.00} ) to be delivered to XXXX in a maximum of 3 days. 
Now I am getting charged {$45.00} for an " express '' service which supposed to deliver the money in minutes, however my wife have to wait one or 2 days to get the money in XXXX because the agencies where she collect the money they do n't have cash. She complained there but the agencies blamed Western Union since they are providing a service for this Company. 
I sent already complaints to WU to their email address XXXXXXXXXXXX on the XXXX XXXX and XXXX XXXX, with no answer at all. I just received an email on XXXX XXXX from XXXXXXXXXXXX saying that they got my complaint, but so far nothing happened. 
We feel we are being cheated by Western Union since they are charging us {$45.00} for the same service I used to pay only {$7.00}. 
Thank you.
Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.
I deposited a check at a Bank of America ATM on Wednesday, XX/XX/2019, at about XXXX XXXX  in XXXX, Massachusetts. I received an immediate notice that I would have a hold on the funds until XX/XX/2019. The check was from a Massachusetts company and drawn on XXXX XXXX  in Massachusetts. 

I spoke to Bank of America by phone on Thursday and they told me that the reason for the hold was " confidential '' and they could not tell the reason to me. I have no history of depositing check that are returned and have commonly deposited checks of similar amounts ( {$5000.00} ). The funds were withdrawn from XXXX XXXX   immediately. 

I have provided Bank of American with an email from the controller of the company that wrote the check with a copy of both sides of the check on Friday. But, Bank of America refuses to release the funds to me or tell me why they will not. I am avoiding depositing any checks or cash into this account as they may also receive a " secret '' hold order. Bank of America has put no other limits on the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
bought old debt. Garnished bank account without notice. Took {$410.00} on XX/XX/17
Equifax failed to protect my private information and has caused me to have to purchase credit monitoring and locking features from them and from the other two credit blackmailing services.
On XX/XX/XXXX I received a letter from Central Financial Control regarding a debt from XX/XX/XXXX.  I requested verification because I do not recall services from that hospital on that day and that send me a letter that has my previous name on it with a signature that does not look like mine. So they said they billed XXXX XXXX XXXX XXXX but I called them today and they said they do not have any claims submitted from that time. Also this company is claiming they sent me notice before I was placed into Collection but I never did. My secondary insurance XXXX XXXX was not billed either. This company is reporting false information to the CRAs and they said in their letter they will NEVER remove the Collection.
If this is the final for my dispute with XXXX I satisfy dated below. XXXX CREDIT FILE : XXXX XXXX, 2017 Confirmation # XXXX Please inform the other credit Bereu including the personal finance and XXXX XXXX.
Opened an checkings account with XXXX  on XX/XX/18. Afterwards I noticed I couldn't enroll on the online banking website, so I immediately contacted XXXX. XXXX  told me that I needed to speak to my personal banker because they said it was a block on my account to keep me from enrolling on online banking. I talked to my personal banker on XX/XX/18 and he told me that a company called XXXX XXXX XXXX  said they have me for check fraud and that XXXX  were going to enclosed my checkings account. Let me also add that I've never ever heard of this company nor have I ever did business with this company. My banker gave me the number to contact them. I contacted them and they told me I have check fraud with Bank of America on XX/XX/2018. Please help me. I've never been in a situation like this before and I feel like someone's trying to steal my identity.
I contacted Experian regarding an account reported by them as late payment in XX/XX/XXXX for 60 days to be corrected. Experian never communicated back to me regarding the account. I contacted XXXX College been that on record per Experian, they report the late payment. XXXX  College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX  on behalf of all the schools. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Experian. XXXX  College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX under account number XXXX, which is also on file with Experian and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under account number XXXX, and I made a payment of {$40.00} on XX/XX/XXXX. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.
For as long as I can remember I've had a direct debit for {$100.00} setup on my student loan. My loan was recently switched over to Navient to be handled and since then I have had issues. I noticed that my XXXX payment amount was different than what had normally been withdrawn for my direct debit. I had not authorized or requested any change in my direct debit amount so I was concerned and called Navient several days after to see what was going on. I was told that they had changed the amount to 'better match when my final repayment date is set for so that the loan would be paid off by then final date '. I was told that the direct debit amount would be changed back to the previous withdraw amount. Then I receive an e-mail on XX/XX/2018 saying it's a reminder that my monthly payment is due soon and reference the dollar amount, which is still incorrect!!! I again call Navient to see why my direct debit amount was still incorrect/not changed back as I requested and was told that it WAS fixed & that I could ignore the e-mail as the next withdraw would be the correct amount, as requested. I asked him to e-mail a letter with this information as confirmation. The letter I received STILL HAS THE INCORRECT INFORMATION IN and NOW HAS A WRONG DATE OF WITHDRAW. And now my XXXX payment has come out and IT IS STILL THE WRONG AMOUNT! I am extremely frustrated and upset as I can not believe this even happened in the first place, let alone that I am still having to deal with it and that IT IS STILL NOT RESOLVED/CORRECTED!
XXXX people went into a store on XXXX XXXX in XXXX, NY in XXXX 2015 and bought phones worth {$4700.00} using my SSN and Driver 's license. I was in XXXX at that time and called repeatedly to rectify the problem once i got to know about it but nothing happened even though i called the collections agency, credit bureau. 

I had only XXXX account with XXXX which i suspended after paying all the dues. I called the store but they said that they can not help me. I think the store they went to was XXXX. I also tried calling the collections agency, they said that they will provide me with a packet which would have all the info but nothing happened. I recently came back to United States and I am trying really hard to maintain and increase my credit score, things like these are going to seriously put a stop to my credit score.
I began at the beginning of XX/XX/XXXX trying to lower our interest rate for our credit cards after I found out about the Service Member Relief Act. I have reached out to our Discover Card several times and told them my husband was XXXX XXXX but was told several times that it did not pertain to my account. My husband was about to retire in XX/XX/XXXX so I tried still to ask in XX/XX/XXXX and then again in XX/XX/XXXX. I was still told that it was not for my credit card but what I read about the Service Member Relief Act is that since my husband was XXXX XXXX out interest rate should not be above 6 %. I tried to get it lowered through a company and they sent me to an attorney. I am very frustrated and just want to pay our credit card off but do not feel 24 % is a fair rate. They are stating that there will be legal action so I hope that you can assist me.
I just wanted to make you aware of a recent mortgage payment I made to Wells Fargo ( WF ). I've had my home mortgage at Wells Fargo from the beginning, 11 years now. I've mostly paid more than the mortgage by XXXX or XXXX. WF always applies the extra money to the principal. My mortgage payment is XXXX. The last 5 months, I've been paying a large amount to principal because I want to pay off my mortgage. I paid XXXX for XX/XX/XXXX mortgage. WF put XXXX towards XX/XX/XXXX principal and applied the rest to XX/XX/XXXX & XX/XX/XXXX mortgage payment. I called on XX/XX/XXXX and talked to XXXX at WF. She corrected the issue and said the computer assumed I wanted to make an extra payment with the extra money instead of apply it to XX/XX/XXXXprincipal.
Despite many attempts, the bank continues to report incorrectly to the credit bureaus an account that was closed. The bank refused to acknowledge that the account was reported as charged off when a payment had been made before the anticipated date of to prevent to prevent a charge off classification. Although I tried many times to have the record corrected the bank refused. 
I gave up trying to get the bank to correct the record. Later, the bank offered a discounted pay off which was supposed to eliminate the charge off status and replace it by account settled at less than the book balance. The bank agreed to eliminate the charge off code. I made all the agreed payments but the bank did not change anything. 
I contacted the bank again to let them know about the error in the credit report. The bank sent me a letter indicating that changes have been made ; however, my credit report continues to report the account as charged off and now also as settled for less than the book balance. The bank used unfair and deceptive practices to encourage payments and then does not comply with the terms agreed at the time of the collection call and to continues to affect the customer 's credit despite an earlier resolution. My statement can be demonstrated by the recorded conversation the bank always makes on all collection calls. 
I am asking the bank to remove the charged off code. I am hoping that the bank would not deny now that there is recorded conversation. If they do, that is a false representation ; which they probably follow by asking me that if I have written evidence of the conversation to send it to them. Obviously, it impossible to comply with that request and they know it, but they do have it the evidence required and always refuse to produce it. 
Your cooperation is appreciated XXXX XXXX
This unknown caller was calling my phone and would not leave message and when they would call there would be no one there. They are now calling my mother every hour on the hour.. ENOUGH
XXXX XXXX sold Citgo gas cards to Synchrony Bank and did not forward the payments received. I have had my bank forward proof of payment several times and have spoken to XXXX and SYNCHRONY BANK but it is still not resolved! I have been charged late payments and interest. 
From XXXX BILL PAY. 
XXXX/XXXX/16 {$40.00} XXXX/XXXX/16 Delivered Electronic Payment XXXX/XXXX/16 {$27.00} XXXX/XXXX/16 Delivered " " XXXX/XXXX/16 {$55.00} XXXX/XXXX/16 Delivered Electronic Payment
I have 3 accounts with capital one. Two accounts have my name on them and the third one has my husband and myself as account holders. Because i have one account in the negative they are freezing my husband account .this account has over 3,000 in federal funds fromFema and a court ordered check from my bankruptcy trustee. We were hit by hurricane Harvey and receive damaged. We need to fix our home and do n't have the funds to do so because capital one has frozen our money. The second account that i have on my name is in the positive but was closed by capital one deliberately.
My XXXX XXXX XXXX taxes on our homestead had not been paid as of XXXX XXXX, XXXX. On XXXX XXXX I sent Bank of America a copy of a tax receipt for property taxes paid in the amount of {$600.00}. I made another tax payment of {$500.00} on XXXX XXXX and sent a copy of the receipt to Bank of America. I did not receive any reply or acknowledgement from the Bank. On XXXX XXXX, XXXX, I entered into an agreement with the tax office to pay the balance of the taxes in installments. I also sent a copy of this agreement to Bank of America on the same day, XXXX XXXX. With my first {$120.00} installment made to the XXXX XXXX was returned to me on XXXX XXXX, XXXX stating that Bank of America had paid the taxes on XXXX XXXX, XXXX. BAnk of America sent an escrow disclosure informing me that the mortgage payment would increase by {$510.00} for escrow, making my current payment of {$480.00} to increase to {$1000.00}. 
I sent Bank of America a letter certified mail via XXXX day priority on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. I protested their interference with my contract with the Tax Appraisal as well as their failure to acknowledge my proof of prior payments. I also inquired as to the {$990.00} refund they received from the tax authority and their failure to adjust my alleged escrow balance. I also inquired as to why I was n't allowed to pay any amounts due less the refund before they chose to double my house payment. To date I have not received any reply. I also stated that my husband and I could not afford to make this payment on our homestead. 
I also requested an answer as to why they have not answered my XXXX XXXX, inquiry to have my husband placed on the mortgage so that he could get XXXX his age and XXXX veterans exemption since we were married at the time the loan was made. H never received a reply to last years inquiry regarding my husbands name being left of the mortgage papers. 
I previously filed with the XXXX on XXXX XXXX, XXXX, however, on XXXX XXXX, they informed me that they could not assist us in this matter and referred us to this agency. The next months mortgage will be twice the amount we already pay and fear that we can not afford to make it and do not want to lose our XXXX.