WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted money to a XXXX Confererence organization and related hotel, the total is about XXXXUSDby policy, the payment is refundable, when I required the payment return, they could not response right, so how to do? 

The contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - Texas United States Tel : XXXX XXXX XXXX Website : XXXX/ XXXX XXXX XXXX XXXX XXXX E-mail : XXXXXXXXXXXX Web-site : XXXX Tel : XXXX XXXX
THIS COMPANY IS WRONGFULLY MESSING UP MY CREDIT I WANT IT DELETED IT IS OVER 7 YRS OLD STATUE OF LIMITATATIONS HAS EXCEEDED PLS REVIEW AND DELETE IT OFF OF MY CREDIT REPORT WITH YOUR COMPANY IT IS ALREADY OFF OF XXXX AND XXXX THANK YOU
I checked my credit reports to find that XXXX XXXX sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.
On XX/XX/17 three negative references on my credit report by Gold Key Credit were reported to you. The vendor reported that they would prove my obligations or remove them along with any negative credit reporting. 
No information was received from Gold Key. A temporary increase in my Credit score was  observed while they placed the debts in dispute. The alleged debts have now reappeared as charge offs. I continue to dispute the validity of these debts and the company 's manipulation of my credit history based on unfounded debts.
I purchased a home with XXXX and closed on XX/XX/2011. My mortgage is financed through Bank of America. I have paid an extra {$50.00} every month for the last seven years. I was not initially told about this required payment and every time I call I am told a different date as to when it will stop. Today I was told I signed a disclosure indicating that I would agree to pay this amount for 7 1/2 years. When I asked for a signed copy of the disclosure, I was told their records show that the disclosure does not have my signature on it. I also called Bank of America and was told they too could not find any documents in their records requiring me to pay this fee. I am requesting that the payments stop immediately and I am refunded any and all fees paid to XXXX as this was without my consent.
On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts. 
Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life. 
XXXX
I have sent letters via certified mail to XXXX and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( XXXX ) Additionally, both companies are double reporting on my Credit Report!!!
I have applied for CHASE credit card and was approved. I used the card for a month or so and next thing I know after I logged in to my online banking that my account was closed. It is completely understandable that each party can close the account at its discretion but reasonably. I called the customer service to find out why the only answer was that I would get an explanation letter in the mail. I did eventually get a letter that explained that the account was closed to to previous unsatisfactory relationship. I called again to figure out what was unsatisfactory about my overall relationship but never got a response. I am under impression that my race ( I am of XXXX descent ) played a role in their decision making as I have never had unsatisfactory relationship with Chase. If I had unsatisfactory relationship my account would have not been approved in the first place. I tried looking for some answers by googling and searching on forums but could not find relevant information. Up until today I have not been provided with at least some details as to why and how my relationship was unsatisfactory with CHASE.
Here we go again!!! I am still trying to fix the debacle that is my student loan. I have called and called and called and just get the runaround. I feel like my student loan is a complete and utter fraud and the student loan servicer is running a scam. 

My student loans are a disaster. The government garnished my income tax refund even though I'd been paying on my loans. I was assigned an ombudsman that was able to figure out the level of deceit these companies are willing to go through. The ombudsman discovered my consolidated student loans were unconsolidated and sent to separate servicers without my knowledge or consent. 

In trying to understand what's going on and why my fees are so high I called XXXX   XXXX and they just XXXX with me. I'm going through the exact same thing as before where everyone I talk to sends me to talk to someone else so I'm stuck in this vicious, expensive, circle of XXXX. 

When I talk to them they just say they don't understand what's going on and 'oops, we can't find any of your loan information before XXXX ''!!!!!!!! Ummmmm .... I graduated in XXXX. The way they have it calculated, my approximately $ 50K worth of loans with cost me somewhere around $ 180K. 

So - they can XXXX up my loans, lose my loans, not give me information about my loans, but still charge me interest? They also set me up on some graduated payment which means my $ XXXX/month loan will go up by {$200.00} next year!!!!! XXXX? I am already dying trying to pay $ XXXX/month. How am I possibly going to come up with $ XXXX/month?!!!!! 

This is sheer lunacy and is financial XXXX. I can not believe XXXX XXXX has no responsibility to be able to look at my records and truthfully, tell me my options. 

Servicing has been inconsistent, funds were misappropriately applied, I have been repeatedly lied to, information has been obscured, I have been deceived, my credit has been affected and I feel their behavior has been illegal. 

Someone needs to stop them or sue them like they sued XXXX. 
https : //www.consumerfinance.gov/XXXX Please help me figure this out. This is ridiculous.
XXXX XXXX is reporting a 30 day late payment from XX/XX/2016. The creditor previously removed it as per a prior complaint made with CFPB. The creditor reopened the account and is reporting the same XX/XX/2016, 30 day late payment.
SLS Loan XXXX XXXX leinXXXX XXXX Loan XXXX XXXX leinXXXX XXXX XXXX XXXX XXXX CA XXXXWhile in escrow during an approved short sale we discovered issues with title which brought to light a XXXX. We immediately started negotiating with, all of this was being discussed with SLS, via phone calls and paperwork faxed! Out of the blue SLS decided to deny the short sale and foreclose my house while in escrow!!!!! I have a foreclosure set for tomorrow - my question here is how is that possible that a lender can deny a short sale while in escrow!! How can they do tat when they had approved the short sale while in communication with us - NEVER once mentioning that they would recinde their approval. When called they told us that they needed 37 days to review a new file and that now there is simply no time as they are too busy with other files - 37 days???? How can they review a file that has already been approved and all parties amounts are the same?? We have to live with a foreclosure on our back because SLS is too busy for us when we are trying to do the right thing???
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. 
I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. 
CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.
I had an routine XXXX XXXX  with my former XXXX insurance. ( XXXX XXXX ) last year on XX/XX/XXXX in a XXXX XXXX at XXXX XXXX  ca. XXXX originally bill XXXX XXXX XXXX my former primary insuranceXXXX XXXX XXXX  paid only an amount for the XXXX ; however, I swowed proof of my XXXX XXXX   insurance when I had the test.

I went to XXXX offices to speak to a representan and told me they would bill XXXX XXXX  again for the payment. XXXX XXXX said that they paid the benefits and I should only worry about the copayment of XXXXdls I was sent to collection by XXXX XXXX because of that issue on the month of XX/XX/XXXX. I called both XXXX  and XXXX XXXX to fix this misunderstanding and both of they blame each other for this payment.

OnXX/XX/XXXX I had to pay XXXX dls to FINANCIAL CREDIT network to get out of collections. I called both XXXX and XXXX  again to request for a disbursement and they kept blaming each other about it. XXXX XXXX  says they paid the service on XX/XX/XXXX, XXXX denied it. On the meanwhile I was sent to collection and pay XXXX to get my credit as it was before.
I have notified lendmark several times that I am in school and I will work with them on my payments. They continue to call my grandmother and told her the debt I had and what they were looking for. They are not allowed to share my information with anyone.
I received a collection notice from a third party debt collector regarding debt from an XXXX  XXXX clinic in which I had never been a patient. I called to let the collector know that the debt was not mine, and the agent tried to extract information about other people in my household. I refused to give the agent information about another individual, and he disconnected. I called back to reaffirm the fact that I did not owe the debt. The agent again tried to extract information from me about another member of the household. I refused to give the agent this information again, and he disconnected the call. The debt has now appeared on my credit report, and caused it to fall some 32 points. I do not owe this debt, nor should I be expected to act as a liaison between a collection agent and another member of my household.
I attempted to purchase a mobile text gift card through XXXX with my paypal account. The payment did not authorize but it still came out of my Paypal account as a pending transaction. I called XXXX and XXXX told me to contact PayPal. Paypal then told me to call XXXX and tell them to void the transaction because it 's not authorized. PayPal stated they wo n't give me my money back for 30 days. I 've filed several complaints about purchases I have not received or that was not authorized and they wo n't give me my money back. For once I would like my money back after I complain about not receiving an item. The invoice number is XXXX.
XXXX appears to be improperly handling or informing me about my re-certification for IDR. Basically, XXXX keeps sending me false messages about missing information on my re-certification for my federal paycheck and yet I gave them everything. These automated e-mails are becoming annoying and I want this fixed. I finally was able to reach out to XXXX ( XXXX ) on XX/XX/XXXX who finally straightened everything out after the fourth time calling. However, she still provided the canned responses that " we can't assume anything '' or " you were missing the frequency of your pay '' for a federal paycheck, something known to be always " BI-WEEKLY '' unless told otherwise. They can't even take the annual salary on the form and figure it out there either. The worst of it is rather than a super generic e-mail they send to everyone, they could have just called me and resolved this minor issue in 5 minutes. 

My previous calls to agents told me that I was good and that I had submitted everything properly in the last 6 weeks, and yet this was not the case.
My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally unprofessional and poor service for customers.      2 )  This misreporting has prevented me from securing student loans.      3 )  My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.      4 )  Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.
PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX 1.account locked 2.funds on hold 3.refused to give a valid reason why I couldn't access my funds. 
4.asked to have my funds released and I would no longer do business with them 5.the account in mension XXXX 6.The amount XXXX I was recently informed by PayPal that my account would be limited in the amount of XXXX because I violated their user policy I reviewed the policy and i violated none of their user agreements.I contacted them to and asked what user policy I violated and I was told by them " we don't accept your business '' .I told them I don't have a business and then they proceeded to tell me something triggered there automatic system, and would have to wait 180 days to have my money released to me even though though all my transactions where by myself and to myself they refuse to release my funds and when I ask them about it they either answer with something irrelevant to the topic or they just try to obfuscate me with things that clearly have nothing to do with the questions I asked.They can give no definitive reason why they can't give me my money back or release it to. 


The practices being used by PayPal in this regard are shady and uncalled for no reason why it Should be a 180 day hold on funds that belong to me when they can give a definitive reason why they are withholding funds. 


I have no interest in doing any kind of business with them at all and I just want my funds released to me.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX  to I C System which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. I C System has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of I C System. I C System is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
My home was an Conventional Loan and it seems it is in an Equity Trust XXXX with XXXX XXXX. I have never had an Equity Loan on my property please explain why it is in a Equity trust in 2006. 

See below Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX  XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX
I am on the do not call list and I got a call this morning at my work, from Omni Financial stating they got my number from public records to lower my interest. I am furious I received this call at work. XXXX How can they get my work no from public records and not show up as do not call list. 

XXXX XXXX XXXX
We have a trip booked to the XXXX, through Capital One 's travel Center. They have my wife 's maiden name on the ticket. They are refusing to change it to her married name.
Dear XXXX XXXX, per my previous complaints, your response is totaling missing the point. 
I DID NOT REQUEST PAPERLESS - this was initiated by your bank, NOT ME. 
The bank continued to withdrawal money fees out of my checking account without notifying me. 
You may be trying to justify the bank 's process, which is totally false. 
and in error of your bank 's technology. Just because my balance was below your ciriteria, ... Why was I not notified of this,? 
YOU SHOULD HAVE NOTIFIED ME!!!! 
ONCe The bank drained all my money for your bank fees, only then, you promptly sent me a letter telling me there was no more money in the checking, due to the bank 's fees withdrawal, but you made NO EFFORT, NONE, at the time you were taking money out of my account .... 
I resent your feedback. You have totally missed the point of my complaint. 
I have made efforts to contact you, only to leave message. You have not made any effort to return my calls. You should take the time read the 5th-3rd 's Reviews ....
Hello I have a auto loan with XXXX XXXX XXXX THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted   XXXX    to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from  XXXX  the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to  XXXX  not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sect ion 611 ( 5 ) ( A ) of th e FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  XXXX   XXXX   XXXX
synchrony bank closed by Amazon card account and has not provided me a letter stating the reason. I want a letter stating the reason the account was closed.