WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I stayed at the XXXX XXXX XXXX in XXXX, OH. I paid through XXXX. When I checked in, I was told that I was paid in full and that they just needed a credit card on file. I checked out 3 hours later for an early morning flight and was told by front desk that I was " good to go. '' I later noticed that I was charged {$78.00} by XXXX and {$62.00} by XXXX XXXX. I tried contacting the hotel 3 times with no one answering the phone. In XX/XX/XXXX, I disputed the charge with Capital One online and over the phone. On XX/XX/XXXX, the charged was rebilled to my account. I called on XX/XX/XXXX and was told they had sent a letter on XX/XX/XXXX saying they needed more information but had received no response. I never received the letter. The agent told me that I could have emailed in the XXXX email that I have saying that I had paid my bill in full if I had sent it before the dispute was closed. When I initially disputed the charge, I asked to email in the document and was told that I couldn't do that. Capital One told me that because the dispute was closed because of my inaction there was nothing to be done. They never emailed or called me to see if I had received the letter before closing the dispute.
I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them.
On XXXX 2017 I consolidate my federal student loans with Navient, while working on that, Navient informed me that I did n't have to make any payments on any of my loans and that I was only to make the payment towards the consolidate loans, hence I stopped making the payments towards my private student loan with Navient, in XXXX Navient contacts me to tell me that my private student loans are in delinquency and they are calling to collect the money. I told Navient that I was n't aware of that and that I was under the understanding that all my loans had been consolidate into one payment, including federal and private student loans, Navient admitted to have given me the wrong information and the reason they did that was because their federal and private systems do n't communicate with each other. Now Navient wants me to settle my account, however due to the delinquency that appears on my credit score, I have n't been able to get a lender, even with a co-signer. Navient is not willing to work around this, even thou they created obstacles to repayment by providing bad information.
There is an account that is on my credit report with arb recovery services that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted ABR Recovery services and they advise that they have removed me from their files and they have contacted XXXX  and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with XXXX  and they report that the account is correctly reported on my file. I have filed a complaint with ABR recovery services and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with XXXX and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the XXXX breech. 
XXXX AND ABR RECOVERY SERVICES SEEM TO HAVE INEFFECTIVE COMMUNICATION.
I went into this branch on XX/XX/XXXX to make a withdraw ( {$5000.00} ) from my account from funds that were in my available balance and was completely insulted by the teller XXXX XXXX and the staff that was working with her that evening. To start I was harassed and interrogated about what I was doing with the funds to start with ( and it wasn't even a large withdraw ) then in the middle of making the withdraw and asking how he would like the cash back she told me " never mind I cant do this today because the funds haven't cleared the other bank that the check was drawn off of when you made the deposit the other day, even though the funds are available in your balance. '' at that point all the other employees started to shake there heads and agree with her for saying that. Then I asked her so You are not going to give me the funds that are showing available in my balance? and she rudely said NOPE. I then walked out of the branch to call customer service to inquire about the situation. And XXXX proceeded to lock the door behind me. I then went back and knocked on the door to ask her a question and when she came to the door I informed her of Reg CC at that point she looked like she was in shocked that I was aware of that policy and said to me " im not taking that risk of giving you any funds and slammed the door in my face. I then spoke with a customer service representative through the wells fargo phone service who informed me that there was no reason why I couldn't receive my money and the funds where available and had been collected from the other bank as well. She was in disbelief of what had happened at that branch. At that point I was unable to get any funds because that branch had closed and there was no other branch that was open in the area I could go to. So needless to say I lost a large amount of money yesterday because I had placed a deposit on a piece of equipment that had to be paid in full and picked up by XX/XX/XXXX. We also will be closing out our accounts that we have had for 10 years and not opening our business account up with Wells Fargo. It shocking that wells Fargo would even employ someone like that but to top it off she is there customer service supervisor at that branch which his even more mind blowing
Ive sent Experian a copy of the letter from XXXX XXXX XXXX AND THEY HAVE NOT REMOVED ACCOUNT NUMBER # XXXX FROM MY CONSUMER CREDIT REPORT..
On Sunday,XX/XX/XXXX, I received a phone call from someone identifying themselves as a representative of Synchrony Bank. The representative stated that my account was past due, and that I needed to make a minimum payment of {$100.00}. I explained to that person that I would not be making a payment, and hung up. <P/>On Monday, XX/XX/XXXX, I reviewed my payments through my personal bank, and saw that I have made {$40.00} ( minimum payments ) onXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and my recent payment was done on XX/XX/XXXX. I also checked my files, and saw that I have not received a bill since XXXX ( shows a due date of XX/XX/XXXX ), which I am set up as a Paper Bill Recipient. The XXXX bill reflected aXX/XX/XXXX due date, thus showing the due dates to be on or about the XXXX of each month. <P/>When I called the bank, they explained that my account was past due, and a {$37.00} late fee had been assessed. They stated that no payment was made for theXX/XX/XXXX due date, nor did they show the two payments I made in XXXX. The payment I made onXX/XX/XXXX did not reflect on their system as of yet. <P/>When I explained that I made a payment on XX/XX/XXXX, they stated that the payment was made before the billing cycle, and did not apply as the XX/XX/XXXX payment. When I asked them why they show that I owed {$100.00} instead of a minimum payment, they just stated that the past due payment, the current payment, and the fee is the amount. <P/>When I asked why they do n't reflect the two payments in XXXX, they would not provide an answer. <P/>My complaint is, this financial institution is failing to record payments on accounts, and they are failing to record payments as that of the minimum monthly payment. Also, they are failing to send out paper bills advising the customer of the due dates. This practice is clearing a fraudulent activity and is done for the purpose of collecting additional money in the guise of late fees.
We were to receive a wire for the purchase of products from us for the amount of {$60000.00}, on or around XX/XX/2014. The bank checking account through Wells Fargo was XXXX, under the name XXXX XXXX XXXX XXXX. We checked with the bank the day before the wire was to be received to make sure we had the correct information and that the account was in good status to receive. The follow day the wire was sent, but Wells Fargo then closed the account, with no reason. The account had been open for several years before hand, had no reason for closing and we do not see any reason for the account closing. Also the following day after the money was sent the bank could not give us a reason why it was closed. We received conformation from the sender XXXX XXXX that it was sent, and confirmed from his bank. It took several days for the bank to refund the money to the sender but would not let us received the funds, or reopen that account. We were told we had to open up new accounts and have them resend the funds. At this point the sender was not interested in resend and we lost our on the {$60000.00} sale with no explanation on how or why this happened from the bank. They tried to say that it was due to inactivity, but there were other transactions just two weeks before that.
Received XXXX denial letters, XXXX for XXXX XXXX XXXX & XXXX ; the other for inhouse modification, dated XXXX XXXX, 2016. The letters stated " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' This means that it is a denial based on investor restrictions. XXXX XXXX interpretations of the loss mitigation rule clearly state that this type of denial reason, without informing the borrower of the type of restriction, is not sufficient. 
The next paragraph in the denial for XXXX XXXX XXXX is also inconsistent, since the following paragraph beginning with, " Based on the documentation you provided ... gross income which is calculated as {$4900.00} ... '' suggests that the denial reason is XXXX negative but on the next page, ASC says the denial was not based on NPV analysis and your appeal can not include disputes about income, etc.
I applied to a Capital One 360 Money Market account online but during the application, it said I needed to call in to verify my identity so I faithfully followed the instructions to call in. After some waiting, a customer rep answered and proceeded to ask me for my information. 

At first, it was just my name, last XXXX digits of my SSN, phone #, email and address, all of which are fairly standard. Saying that she ca n't verify my phone, she pressed for more information.. names of relatives, their DOB, address, and relationship with me. OK this is getting personal so I paused to ask how she was going to use this information. 

She assured me that she would be able to identify my identity through a third party so I sheepishly continued. House or apt , what color is the house, what are the cross streets. This was getting ridiculous but I continued because I already spent 20 minutes on the call and wanted to open an account. 

Where was my last address, how long have I lived in my current residence, how long in previous residence, when did I move. I had to look up some records but I answered everything. How long have I had my social security number. ... What? How am I supposed to remember that? OK I told her I was still a kid when I got it so I ca n't remember exactly when but I tried to be helpful and gave her a best estimate anyway. 

A short 30 seconds waiting ensued. Then comes the news that she 's " ending the banking relationship '' with me because she ca n't verify my identity. WHAT? I asked what she meant by that and she said ca n't provide any more information and needs to " end the relationship ''. I asked if there 's any other way to open an account. She told me to go to a branch. 

I explained that from my research, the account I wanted can not be opened in a branch and asked if there 's another way. She said she 'll get her supervisor. I was hopeful and thanked her. 2 minutes later, she said her supervisor is busy and that she needs to " end the relationship ''. I asked her if there 's ANY other way and whether she just needs more information. I was already worried about all the information I gave out but I was feeling desperate, especially since I spent so much effort already. 

She coldly told me to go to a branch so I asked her if she can confirm whether I could open the type of account I wanted in a branch. She said she ca n't confirm that I would be able to able to open an account and that she needs to " end the relationship ''. As I tried to clarify that I was asking whether it 's even possible to open the Capital One 360 account in a branch, she hung up mid-sentence. 

Feeling betrayed that I gave so much personally information out and she ca n't even answer one thing, I called back to see if I can understand the situation better. I was greeted immediately with a voice mail instead of the normal on-hold greeting. I can only assume she put my number on a blacklist. 

All I wanted was to open a Capital One 360 Money Market account, but not only was I not able to accomplish this, I was interrogated like a criminal, hung up upon disrespectfully, and probably blacklisted.
I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying.
Innovis is n't reporting an account and balance under negative accountant hat does not belong to me I have reported this to home for years and they are now asking for a police report which was originally sent to them and I 'm told I can not obtain a new one since this is XXXX years ago This account and balance from XXXX  XXXX credit card do not belong to me and needs to be removed from my credit file immetiely They continue to violate many credit reporting rules and regulations and have been noticed I of this error for years and have failed to make it correct
My XX/XX/XXXX mortgage payment is being reported as past 30 days due on my credits history even though I have proof of payment delivery on Saturday, XX/XX/XXXX. The mortgage company, New York Community Bank ( " NYCB '' ) has responded to my written inquiries that although the payment was delivered to the payment address of record on XX/XX/XXXX it was not received on a business day and therefore it is posted on the next business day which was XX/XX/XXXX. It is my assertion that the payment receipt date should drive the credit reporting date to determine late payments not an arbitrary payment posting date determined by the financial institution. The fact that the financial institution arbitrarily posts a payment in their system based on business day does NOT change the fact that my payment was received on a XX/XX/XXXX and should be reported as 30 days past due on my credit report. I have requested a correction via 2 separate letters to no avail. I would like my credit report correction to reflect timely payment for XX/XX/XXXX mortgage payment.
There was a period of time when I was supporting myself and my husband on a single income ( he was unable to find work ), making less than $ XXXX/yr for XXXX people, trying to pay for rent and food, and was unable to pay my student loans. The company did not provide any other payment options for me and I gathered compounded interest for over a year!
Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX Original Lender- XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}
I received a letter from Chase stating that they are closing my credit card account. 
Moreover, the letter states that the reason for the closure is " because continuing the relationship creates possible reputational risk to our company ''. 
First of all, I have no idea or understanding of the meaning to this reason at all. I have been a loyal customer that has never missed a payment ever and who maintains a great payment history on this account. 
I contacted the office number provided and spoke to a representative who states he could n't provide any specific information used to make the decision but did recommend that I write this letter to further inquire about this action. He also stated that based on his past experience, it usually stems from some information that Chase received via internet relating to personal or business on my part. 
If so, I strongly object to this because there is no such information either personal or business reported against me on the internet or any other source that would cause Chase to be concern about its own reputation as a company. 
Furthermore, the history of Chase and all of its mortgage fraud related issues with the Federal Government stemming from the Mortgage Crisis between XX/XX/XXXX thru XX/XX/XXXX did not keep me from having a relationship with Chase. 
As such, I demanded for full and immediate disclosure ; 1 ) Specific and detailed information obtained by Chase regarding myself personally or my business leading to this decision. 
2 ) A copy of the credit agreement signed by myself with the terms and conditions of our relationship for this credit card account. 
3 ) The specific language or section under the credit agreement which supports or authorizes Chase to take such unprovoked action.
I have reported fraudulent inquiries for my Equifax credit file to Equifax. I promptly received a response from Equifax stating : " We have reviewed the inquiry information for  XXXX   XXXX . The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''.     I contacted  XXXX  was told they have no record of the inquiry nor do they have any record to investigate.     I would really like to know what they have done to investigate the inquiry?
I am filing a complaint in hopes of receiving back the thousands of charges that 5/3 has charged me. I had some extenuating circumstances with my employer, XXXX, where they changed our entire global pay system, and I did not receive a paycheck for the month of XXXX 2016 basically. In that time, 5/3 put through several of the same charges, 3 times, incurring a {$75.00} fee for XXXX transaction, to the tune of {$1600.00}, in 3 months. I wrote to XXXX XXXX, the Presidents office, 3 times, pleading with him to reverse, at least the second and third fees on each XXXX, I am willing to pay for XXXX {$35.00} fee per transaction, but XXXX seems exorbitant. Here is a list of the dates and charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} in bank fees in 90 days. 
If XXXX of those are valid - it means {$1100.00} are second and third time charges for the same debit attempt. 

I am asking for {$1100.00} back to me for the second and third time attempts. They told me no, they cant refund me any fees more than {$74.00}. I think this is atrocious. 
Feel free to contact me. I feel that this is heartless and that they are taking advantage of me.
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
There was a XXXX committed on me by than spouse I filed XXXX in which manager of apartment complex served than spouse. My yearly lease was up month prior and I signed a one month lease informing manager I would be moving next month. So upon restraining order I moved. Than spouse and manager were in an agreement which I was not apart of that he was staying in residence. Than bill he actually owed fell on me when he could not be contacted 6 months later due to being incarcerated for another domestic violence on myself. I sent copies to form as proof. Than suddenly it showed on my credit report I owed.
I Was sent several mailers as well as emails informing me of a sign up bonus of XXXX XXXX XXXX XXXX when i applied for a credit card with citibank. I applied for this card, was approved, Met the terms of their offer, and now they are refusing to give me the sign up bonus, based on some internal policy which is not transparent to the consumer, as well as using targeted advertising to me specifically. If i was not eligible for the offer they presented to me, they should have not presented me with the offer.
Repeated ROBO calls over almost a year to collect a debt. Unable to speak to anyone about the debt. Wrote a letter twice, returned twice, address in not accurate. I do n't owe anyone any debt. At one time a physical therapy business did n't credit my ( and my husbands ) accounts appropriately and I may have been sent to collections in error. I resolved this issue with the PT business directly and actually had a credit balance. I do n't know how to contact debt collector to ask for written information regarding this " debt ''. I 'm afraid to be bullied or make things worse if I speak to them in person. I 've never had outstanding debts, my credit score is usually around 800. The collector is Transworld Systems.
My husband who 's primary language is XXXX purchased our wedding rings from XXXX XXXX. He was told at the time by the sales associate, who was also Russian speaking and went over this info in XXXX so my husband would understand that the rings would be on a special promotion of 0 % interest until the balance was paid, it was important that we buy the rings now - which was literally 4 months before we needed them, but it was such a good deal he decided to go for it. 
We have been paying on the rings online like good little troopers until we saw the balance shoot up by {$1200.00}, apparently the promotion we were told about was not true, it expired after some period of time. I asked my husband for the financing agreement, he said he never got one, he just signed a signature box in the store - he took the word of the sales associate. 
Both myself and my husband have called XXXX XXXXXXXX on multiple occasions and filed disputes. Every response we get to the dispute does not address the problem - we were lied to about a promotional interest rate. On the third attempt the call center representative event admitted that they get these complaints all the time before she transferred me to the manager.
The manager told me that our complaint was n't ' valid because the printed statement says that there was an expiration date. I reminded the manager that we pay this account on line and rarely open a bill, never less go searching for some inconspicuous notifications about their fake promotions! Furthermore, the problem is that we bought these wedding rings under false pretenses - what can we do now GIVE BACK THE RINGS? In my world that 's called a bait and switch. The manager said he would forward the complaint to their legal department and someone would call me in 3 days - its been a week and I have not back from anyone. I am tired of the merry go around with Zales Outlet and their unsavory business practices. I hope that someone can check in on how they do business, I know we are not the only people dealing with their shenanigans.