WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I went to the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX to withdraw {$40.00} from the ATM machine. When I perform the transaction no money came out of the ATM machine. When perform the transaction again {$40.00} came out of the ATM machine. A few days later I checked my account at USAA Federal Savings Bank and found out that the transaction was duplicated. I called USAA Federal Savings Bank and told them what had happened and they started an investigation. A few days later I received an email from my bank stating that no error had occurred. Again I only received {$40.00} from the XXXX XXXX XXXX ATM machine.
I monitor my credit report often as I am in the process of home ownership. 
I recently realized that I have a credit inquiry for the company listed below that I have no knowledge of and have gotten no where trying to dispute it. 
I did not approve of this and after some research, I've noticed that I am not the only person who's had this problem with the same creditor. 
I would like this to be removed from my report ASAP please. 

Institution Information XXXX National Credit Cards/XXXX XXXX  , FL XXXX ( XXXX ) XXXX
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my Experian credit report. Per the advice of a Experian rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Holloway credit has repeatedly deleted their collection accounts of my credit file and putting them back on. And I am getting tired of it. They keep restarting the XXXX year reporting thing and messing my credit up. For 5 years now all they have done is removed the collection items and put them back. I am unemployed from a XXXX I had and had to retire. I should not have to pay the price with bad credit for something that was not my fault.
My name is XXXX XXXX and I am filing a complaint again XXXX  XXXX who holds one of private loans. The loan number is XXXX. This loan was purchased from XXXX XXXX XXXX several years ago, who purchased it from XXXX the original loan holder a couple of years before that. I have been paying on this loan for over 8 years, and been making large payments for the last 5 years since graduating to get it paid off yet. My payments to Navient alone sum up to around 1200 yet, my loan balance to this day is still {$1600.00}. I have requested an audit on this loan now dating back to the original date of disperment. Each time they have provided me with only a payment schedule dating back to XX/XX/XXXX. They have no paperwork to proide for an accounting from XX/XX/XXXX the first scheduled payment that was made to XXXX to XX/XX/XXXX. No matter how many times I have requested the accounting for those dates, they refuse to provide it. I am not making another payment until they can provide me with the account information from those dates who that I can do my own audit on this loan. I am requesting all documents relevant to an audit done on this loan dating back to XX/XX/XXXX. Once they can provide those documents, We can then move forward to settling this account. 

My information is as follows, The loan is under my maiden name XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. My social security number is XXXX, my date of birth is XX/XX/XXXX and my phone number is XXXX. All paperwork can be sent the address listed, thank you.
My husband and I applied for a refinance loan with XXXX XXXX from Good Mortgage. He required us to pay out of pocket about {$850.00} to have our home appraised. Good Mortgage selected the appraiser, XXXX XXXX. In his appraisal, he made several factual errors, and his valuation of {$500000.00} is at least {$50000.00} lower than comparable market values we received. As a result of the low valuation, our refinance application was declined. Both my husband and I have excellent credit, have been steadily employed and our debt-to-loan ratio is acceptable. The valuation is the only element of our application that prevented us from refinancing our home. We sent a response to Good Mortgage, pointing our the errors in the appraisal and other issues that we had with the appraiser 's valuation. [ Please note that I also recently noticed that the appraiser excluded the XXXX and XXXX of the XXXX bathrooms in his appraisal. These inaccuracies should also be addressed in a corrected appraisal. ] The loan officer responded that the 'appraiser will not budge. ' We requested to see the response that he had received from the appraiser, but the loan officer refused to provide it to us. We feel that the appraisal should have been reassigned if the appraiser refused to correct the inaccuracies. The ordeal has cost us both time and money, and we may not be able to keep this property as a result.
My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.
On XXXX XXXX i purchased an AMEX XXXX XXXX XXXX gift card at XXXX on XXXX XXXX in XXXX, for the amount of {$250.00} plus a {$4.00} fee. I put the gift card and the XXXX receipts for the gift card into a sweet XXXX birthday card and mailed it via USPS from XXXX to XXXX XXXX XXXX, XXXX By XXXX XXXX, the card has not arrived at the destination. I went ahead and filed a missing letter report with the office of USPS, picture of the report is included. I also immediately contacted customer service at American Express Gift Card department at XXXX. I have images of the receipts for the purchase of the gift card as well as credit card statements from XXXX XXXX, which i used to pay for the gift card. On the packaging of the Amex gift card it states that " funds replaceable if lost or stolen '' ( and i am including the image of the packaging as well ). The customer service at Amex refused to help me. They stated that their " system '' does not recognize the receipt number or the account number of the card which is on the receipt as well. I have called the Amex customer service 4 times and each time they refused to help. I am completely at a loss of what to do. I felt safe purchasing the card and sending via USPS because of the refund guarantee stated on the packaging.
I ordered merchandise on the web but never received anything. No notification of status and I was never billed!! 
The company said it was delivered but could not produce any proof. 
The first I heard about this was a call from a collection co. I told them what happened as instructed I faxed a letter to them. 
Equifax got involved and said they would investigate. My credit score dropped 100 points. I offered to pay the amount in this dispute just to get my credit score raised. This was refused by both the collection co and the merchant. 
What do I have to do to rectify this?
Upon my daughters graduation in XXXX, we have accrued over {$100000.00} dollars in student loan debt. All of which are through Navient and XXXX XXXX XXXX for parent plus, and sub & unsubsidized loans. We have tried on multiple occasions to apply for forgiveness or an income based repayment but each time, Navient refuses to help us, stating that we make too much and the best they can do is refer us to forbearance which we all know just increases the interest and makes our monthly payment more impossible to pay. We are now trying to pay over {$700.00} a month on these loans and we were forced to file for deferment yet again! We literally can not get these loans payed off and we do n't have the finances to pay such high interest. We called on XX/XX/XXXX to file for deferment again. When we started repayment In XXXX our monthly payment was XXXX and now 3 years later we are at over {$700.00} a month with multiple deferments and no promise of it changing nor have we received any help!
Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account. 

The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''. 

On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred. 

I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer. 

I can find no credence or validity to XXXX 's explanation.
I filed a complaint with the CFPB last year in regards to my chase private student loans and my inability to repay at the current monthly payment. Chase was willing to negotiate to a certain extent and granted me a temporary deferment period. My request to Chase was to lower my monthly payments which was disregarded and as a last resort I signed the deferment paperwork to get some relief. The paperwork that was sent to me was requested to be returned by Chase, even the paperwork with new loan terms which they would not allow me to keep. I sent all signature pages in but they would not grant the deferment until I sent in all the paperwork including the new terms of the loan. I currently have no documentation showing the new loan terms after the papers were signed let alone what my monthly payment will be. I sent in a letter to CSL on XXXX/XXXX/15 requesting to lower my monthly payments being that the deferment period was coming to end relatively soon - I did not get a response from Chase. I made it as clear as I possibly could that I would not be able to afford these monthly payments for the next 20 years. I have no way of paying the original monthly payment and Chase has not provided any documentation showing my new monthly payment.
-Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. 

-The alleged debt that is being collected was disputed several times from multiple collection agency -According to the collection agency, the unpaid debt was with XXXX which was my wireless provider at that time.
A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over {$6000.00} but would settle for a little over {$3000.00}. I said i remember having a credit card when I was younger but had a limit of {$1500.00}. The man from the collection agency then said he would settle at {$1500.00}. I thought that would be better so I made a smaller payment of {$150.00} to them and they want the rest by XXXX XXXX. I 've been reading about debt collection and my rights and I now believe I was stupid to make a payment since they could n't sue me due to statute of limitations. They threatened to sue me to get me to pay and I believe this to be illegal.
I have been receiving calls at my place of employment. I am a XXXX. They were calling my cell phone then they stopped and started calling my employers phone number. I 've told them to stop and explained that this was n't my phone and my place of employment. 

They are rude on the phone demanding personal information, and explanations. They are looking at my credit report and telling me I should be able to pay. They do n't listen, they ask why ca n't I pay. when I tell them that that 's none of their business they say yes it is.
My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She " borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX, much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud, despite the fact that this woman has been arrested, has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So, the criminal justice system says fraud and Citibank says permissive use. They have informed us we have no right of appeal and no recourse.
Several years ago I signed up for a Care Credit card ( Synchrony Bank ). 
In XXXX of 2015 I set up a payment plan with a Synchrony representative ( from their debt collection department ), whereby an amount determined and agreed upon by me and this representative would be automatically debited from my bank account each month and would pay off the XXXX {$300.00} owed within 6 months. This amount was debited each month and I never received any information from Care Credit that there was a problem. 

In XXXX 2015 ( 6 months later ), I received a letter and statement from Care Credit showing that I now owed around {$370.00}. Completely baffled, I read over the statement and saw that they had been charging me fees of {$40.00} - {$50.00} each month without my knowledge. Since the beginning of 2015, I have been charged nearly {$400.00} in these fees ( more than my initial debt which was a XXXX time use of the card for {$300.00} at the dentist ). When I called Synchrony, they explained that the minimum amount due each month had not been met by my automated payment plan. The representative I set up this plan with NEVER told me that the amount would not cover the minimum. If he had, I would have ensured that this amount was paid each month. 

I asked that these fees be credited from my account as I believe they were intentionally charged without my knowledge, and certainly without informing me at the time of setting up the plan. To me this seems like a scam and willfully withholding crucial information in order to collect more debt. The representative refused to allow me to speak with a supervisor about this. I filed a complaint with her and was told that I would be contacted soon by a supervisor. In good faith, I paid the remaining balance on my card XXXX what it would have been without the late fees ) -- an amount around {$170.00}. I waited but never received a follow up call. 

In XXXX 2015, I received a statement saying that I still owed ~ {$370.00}, even though I had paid {$170.00} in XXXX. They were still charging me fees. I called the company again and was told that my complaint had been marked as " resolved '', even though I had never been contacted by phone, mail, or email. I proceeded to file another complaint. 
After explaining this situation to XXXX representatives, I asked to speak to a supervisor. They told me that it was unlikely I 'd be able to speak with a supervisor as he/she was " busy '', but that I could be put on hold. I waited on hold for XXXX minutes before hanging up. 

I believe the deceptive tactics used to set up my payments and continue to be used to ensure that my debt continues to accrue are reprehensible and predatory. I would like to have the full amount of the fees charged to my account in 2015 removed from my account. I am happy to pay any remaining balance I owe from the original debt, but I do not think I should have to pay these fees that were charged to me without disclosure from my conversation/payment plan set up in XXXX 2015 until the present.
Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees ....
On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction.
All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this card.
While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office.
This is the second time Chase ( Sapphire Preferred ) is refusing to look into a charge dispute. They claim they sent me a letter asking for more details but they never did. The person that is handling " my inquiry '' as they call it, is never available as I have called at least 5 times and gotten a voicemail. I called the general disputes line and talked to an extremely rude person that only asked if I entered the movie theatre. When I said yes, but the reserved seat I paid for was double booked and I didn't have a seat, she said there was nothing she could do to help. I asked to be escalated and someone pretending to be her manager said that since I technically was allowed into the movie theatre, there was nothing they could do despite the fact that there were no seats available. I offered to provide pictures of the trash in all of the available seats in the front that was provided to me as a " back-up '' option, but they refused. I was not able to watch the movie for which I paid a premier price.

I paid for premier reserved seating and did not get that from the merchant and explained all of the details over and over, but they kept saying that because I entered the theatre, that I received my services.

This is a pattern with Chase as the only other dispute I filed with them last year was not addressed whatsoever. 
The date of the service I paid for was XX/XX/2018 for {$44.00} for 2 premier movie seats. I finally made contact with a Chase call center ( not my dispute representative ) today, XX/XX/2018.
0n XXXX XXXX a dispute was generated with Experian against a falsely reported account by XXXX XXXX appearing on my credit report ; Experian said they investigated, and the debt was valid. 
I did a 7 day test drive with XXXX, and XXXX XXXX was to finance if I accepted the car ; I returned the car to XXXX, and received my down payment back, but Go financial is reporting this as a debt to credit bureaus. 
I have spoken with XXXX XXXX, and they stated there was nothing they could do concerning this, I also spoke with XXXX, and they stated the car was returned, and this was not a valid debt. 
I need this removed from my credit report as this is false information, and hinders my ability to purchase anything due to debt to income appearing to high.
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation. 

This is NOT my addresses : XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and never have been. 

These are NOT my account ( s ) : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax thinks it's funny to keep things on my credit that are no true, timely or just. I've been a victim of ID Theft in the past and Equifax is doing nothing to protect my consumer rights. The other 2 credit bureaus have permanently removed the accounts for my protection but Equifax is refusing too. Please help me with this matter ASAP as it is ruining my life and livelihood.
I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks
XXXX has been non-compliant with removing the unverified account BESTBUY/CBNA Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BESTBUY/CBNA 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.