WillisBack/dataset-financial-user-claim huggingface dataset:
Per the terms of the XXXX XXXX " XXXX XXXX '' feature with Citi, I filed a price match claim for three motion sensors, included all of the necessary documentation, and they refused to honor the claim while providing an incorrect legal basis. They claimed that the lower price I sent was from a " membership club, '' and failed to provide evidence that this was the case.
My daughter signed up on-line with Experian to look at her credit score. I gave her permission to use my credit card for the {$1.00} fee. The credit score was available for 7 days, however, if she did not call to cancel, you would then be automatically signed up for monthly monitoring at a cost of {$21.00}. I saw that charge on my credit card statement and thought it was just for the original credit score look-up. When I saw another charge the next month, I called immediately. Experian said that she did not contact them to cancel, so I was billed. Experian agreed to cancel the service and refund as a courtesy the second charge. They refused to refund the first month charge. I asked them to send me copies of exactly my daughter signed up for and copies of the terms and conditions. Experian said that they could not provide me with any printed documentation of what my daughter signed up for on line and could not provide me with any documentation of the terms and conditions when my daughter signed up.
Every time I make a principal only payment, the payment is distributed to all of the loans instead of just the highest interest loans. They even state on their website that when you make a principal only payment that it will go just to the highest interest loans. However, every time I make the additional principal payments, I have to go back and check all of their work. We as borrowers should n't have to go back and make sure that student loan companies are actually following the rules, they should just do so. I pay my student loans through XXXX.
Repeated calls from morning to night I made a payment and told them I will make another before months end plus XXXX is too high they need to have it lowered. Its a furniture bill and some of it was delivered damaged and after servers call to report the damages they have not come to replace the table or old rug they gave me. I have spoken to several people but noone has called for the problem to be resolved from delivery. As for as the payment I pay XXXX at first part of month and the balance at months end and they as if I paid nothing. That is considered harassment on a customer. They call at least ten times a day this is ridiculous.
I have already contacted you guys about this and its not resovled and the business is with holding court sealed documents that i provied them with showing i was incarcerated during the time of this account i was incarcerated on 2 separate cases and i served 2 separate sentences for both cases and i provide the business with both documents of this and you guys just let them close the account well its not mine i want it removed off my credit report its not mine so i dont want it closed so its a negative report on my credit yes i may make mistakes but i pay my bills when i have them but this is just not right ive never in my life been to a speedy cash my wife works at money tree here in Colorado if i wanted a pay day loan thats were i would have went so there not removing it and its not mine. My wife works for a pay day loan place and she said by law when a person gets a loan they should have finger printed documents from the person receving the loan well they need to provide these documents because those finger prints will have the proof that its not me ive been a victim of theft someone has stole my identity and i want this removed not closed i want it removed off my credit or i will have to hire a lawer to handle both of these companies that are letting people use my name in theft which is also a crime in it self and i will not let thus go on this is not my account please contact this company and have it removed from my credit not closed because closed is stating its still mine and it shows up on my credit this is not my account its some stealing my identity and it should be removed all the way off my credit report i have court sealed documentes that i will provide you with that shows i was incarcerated during the time this account was opened and ask the companys which are envoled in this act of crime against me and have them remove this completely off my credit report not just close it because its not mine i should not have a debt on my credit if it is not mine i want it removed.
On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood.

Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add up.
Debt paid in full three payments recorded in system last payment paid and I have forwarded bank statements as proof each time I am being given the run around the debt was paid statement and transaction information provided I want this removed from my credit
To Whom It May Concern, I always pay my credit cards in full so I'm not that familiar with how interest on them works but I can't imagine the below can be correct/legal otherwise how would anyone not being able to make full payment ever get out from under the debt? On my XX/XX/2018 Bank of America ( BoA ) credit card statement the full amount due was {$860.00} and I accidentally paid {$860.00} which is exactly {$6.00} shy of the full payment ( payment was made on time ). This was a typo error on my part, no question. This {$6.00} under payment somehow turned into {$12.00} in interest charges on XX/XX/2018 statement. When I called the company Customer Support line ( on/around XX/XX/XXXX ) to ask how accidentally not paying {$6.00} of the full amount due could turn into {$12.00} in interest the person could not explain this to me ( this is over 200 % of my accidental non-payment ). Frustrated with the person 's lack of ability to explain this made me cancel the card effective that day ( on/ard XX/XX/XXXX ). I made immediate payment of the full balance ( {$2900.00} ) which BoA recorded on XX/XX/18. Somehow even though the card closed and paid in full, I received a XXXX bill with an additional amount due for interest charges of {$5.00}. So accidentally not paying exactly {$6.00} in XXXX creates a total of {$18.00} of interest charges. The XXXX and XXXX statements are attached so balances and payment as well as interest charged can be seen. Any questions please reach out. If this is in fact legal ( please let me know ) and I will then share this insanity with my congressman and senators as this just does not seem fair to consumers. 
Thank you,
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with XXXX XXXX XXXX XXXX XXXX still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
On XX/XX/XXXX I called Experian to dispute information on my credit report and was put on hold and had the call disconnected. I spoke with XXXX from Experian and she told me she would need to transfer me to the Customer Assistance Special Services ( CASS ) I then got transferred to an automated machine that could not process my dispute.
I called back and spoke with XXXX over the phone and he said he could not transfer me to CASS dept XXXX XXXX because he does not have the capability to do so. XXXX transferred me to the dispute department which I waited on hold for another 20 minutes.
Then I spoke with Team Instinct XXXX on or about XXXX and she said she processed my dispute. I hope that Experian can help solve the hold and wait time because consumers should be able to dispute information online without calling.
I have been disputing inaccurate information with Experian for over a year and now about inaccurate accounts listed on my report. They have stopped responding to any dispute i send by mail. I also contacted them about inquires since XXXX 2015 and they told me to contact the creditor. I did contact them all and i did not get a response back as all.
Tried to get a free copy of my credit report from all XXXX credit reporting agencies using the website XXXX. Only received credit Report for TransUnion. XXXX and XXXX did not provide their reports. And Transunion did not provide a credit score.
After 23 years of membership, AMEX changed the terms of my membership WITHOUT notice to me. I was a Platinum card owner and had no preset limit and had the extended payment option on my account. I made a {$2500.00} payment last billing cycle with the written understanding from AMEX that my account had the embedded extended payment option. Recently, I received notice from AMEX that my entire balance was due and AMEX charged me a {$38.00} late fee. AMEX also charged me {$450.00} to renew my card. I called AMEX on XX/XX/XXXX and told them to cancel my membership immediately as of XX/XX/XXXXand provide me with my balance. I made 2 payments last nite. One for {$3000.00} and the next for over {$6900.00}. I asked AMEX reps if the balance included the renewal fee. AMEX confirmed that the balance given to me did NOT include the {$450.00} membership renewal fee. This morning, I checked my accounts online and AMEX defauded me into believing that they did not charge me a renewal fee. I now have a CREDIT balance of {$780.00}. When I asked AMEX on XX/XX/XXXX, why they lied about removing the {$450.00} renewal fee. They told me to file a dispute online. I want my {$780.00} refunded to via wire transfer immediately. AMEX should not get free use of my money when they clearly defrauded me by lying about my account balance and renewal fee.
In XXXX XXXX we purchased a modular home on XXXX acres address XXXX XXXX XXXX XXXX XXXX ok XXXX. XXXX Mortgage was lien holder of this property. when loan was paid we never received a lien release and did not realize this till we sold our home and went to close on XXXX XXXX, XXXX that their ( XXXX/Freedom ) name was never taken of title. XXXX is now/Freedom Mortgage ( the Lien was in XXXX and XXXX XXXX name ) I have been in contact with them multiple times and just last week they finally sent me to a place called XXXX they said give them 5 working days today is the fifth day and no response I have submitted paper work to them showing where the loan was paid and as of today have not gotten a lien release. I am not sure how long my buyers will wait.
I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.
I have disputed the account entry with Discover Financial Services and the credit bureaus alike for the inaccuracy in the reporting. Discover is currently reporting that I have a past due balance and past due amount of {$1300.00}. However, Discover sent a XXXX for this same account entry. They did not update the credit bureaus with this information and has since then continued to report this amount. Since the XXXX was sent, it established the premise for the understanding of the IRS tax law that since Discover canceled the debt with the sending of this form, it should be reflected as such on my credit report. 

When I disputed this entry previously with Discover and the credit bureaus, I was informed that the account entry had been verified. This is far from the truth because if it had been, it would be reflected on my credit reports. To that end, this entry must be deleted as it is inaccurate. See attached documentation.
Loan servicer - Navient My loan will go into repayment on XX/XX/XXXX. I have been trying for the past two months ( starting in XX/XX/XXXX ) to get information about setting up Autopay. The four times I have called at different time points in the past two months has yielded different information each time. No one in customer service was able to tell me when I could start setting up Autopay, the timeline given for processing autopay was incorrect. I was also having difficulty setting up autopay as I kept getting kicked out of the website altogether. The customer service representative was unable to direct me to the correct person and I was told twice ( 3 weeks apart ) that I should just try once my deferment was over even though it was a technical issue. 

My Autopay is still in process and it is still not clear exactly what the rules are on being able to set it up. The burden on making sure the issues ( technical ) is on the customer.

The paper format to setup Autopay can take up to 60 days which would mean the customer would miss out on the discount at the beginning through no fault of their own. This is unacceptable!
We asked Account Resolution Services to validate a debt by the FDCPA law. They fail to do so by not providing that they are bonded by the State of Texas to collect debt in the State of Texas. I am going to provide the letter they sent in return to our FDCPA Validation letter that was sent to them. The letter that Account Resolution Services provided will be attach to this complaint and you ant see proof that they have the right to collect debt in the State of Texas.
XX/XX/2016 I decided to switch my homeowners insurance to XXXX XXXX. but after a couple of days literally I decided to stay with my old one because I found out that XXXX was higher. I notified nation star mortgage I told them I would mail the Insurance check back to them, which I did. My complaint is that I mailed the check back to them with a letter followed by XXXX phone calls stating to please put it back in my escrow account. When I called they told me it was in my account. When I called in XX/XX/XXXX my mortage payment had increased from XXXX to XXXX. I was very angry. They told me that they paid for XX/XX/XXXX and XX/XX/XXXX mortgage, I asked them Why? I had already paid it! look on your records '' They had taken the escrow check and used it for XXXX payments when they did not have too. When I asked them Why was n't I notified the gentleman told me he did have to it is called Hierarchy '' I told him that 's crazy and I am not stupid! I had to call up to the corporate office 3 months later to get my money put into my escrow. then it went down to XXXX and I called and asked why is it still high? they told me that I had to request a market analysis done..which is still high XXXX. My complaint is that I did have a decent credit score until this happen now my mortgage has a series of late payments which is due to their neglect and their ability to not put my money in my escrow account, along with the fact that they lied over and over telling me it was put in their and then not notifying me about the increase. 
when it was not and then telling me about the nonsense of " hierarchy ''
I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by XXXX. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft?
After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed?
This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ).
My hope is that the CFPB takes a strong punitive stance on this issue.
CRA 's are required to verify the information with the furnisher, by employing " reasonable procedures to assure maximum possible accuracy of the information '' ( XXXX v. XXXX ) contained in the credit file, and they also must disclose that the account is disputed to avoid willful non-compliance with federal regulations. This has not been accomplished, and this account remains on my credit file, despite many inaccuracies, and lack of " ownership '' claimed by either XXXX or the debt purchaser, and despite fraudulent debt sale and collection practices employed by both XXXX and it 's debt purchaser. This account has been previously disputed through the CRA 's as unverified, inaccurate, and most likely fraudulent, yet mere " verification '' of the information already in dispute was offered by Experian, failing to satisfy the federal courts ' definition of a reasonable and meaningful reinvestigation. I 've disputed with XXXX numerous times, but they pointed me to the purchaser of the alleged debt, who had been PAID IN FULL for this unverified debt when moved to get a judgement and I gave in. 

Please also note that XXXX reported ( see Experian reports dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX ), that the original amount of the debt was {$600.00}, yet also reported that it charged off {$1700.00}. XXXX then sold this fraudulent debt to XXXX XXXX XXXX XXXX, who collected over {$2000.00} from me to avoid a pending Judgement. Notably, the original amount of {$600.00} was subsequently removed from the Experian report, leaving only the charge off amount. 

To date, neither XXXX nor the purchaser of this alleged debt was able to verify that I incurred the debt, and both claim that they do not report or conduct any other collection activity on this account, why then is it on my Experian report? Further, though you we 're advised that it is inaccurate, you continue to publish and update, yet fail to delete? 

My experience with violations of debt collection practice by XXXX ... is apparently not unique : XXXX
I made a payment of XXXX on XX/XX/2018 to Nelnet to pay off my studenbt loan A, which had about {$500.00} left on it. I used the site to specify that I wanted the full balance of loan A paid off, with the remainder going to loan E. They allocated {$410.00} to loan A, {$83.00} to loan C, {$500.00} ( this is the amount i specified for this group ) to loan E, and {$14.00} to loan F. I did not ask for a payment to either loan C or loan F. All of my loans were caught up and paid on time. Nelnet is asking to do a " research '' on why this happened, also claiming I had standing special instructions in place but could not tell me what those instructions were and where these numbers came from. I still owe {$61.00} on loan A as of today, when it was supposed to be paid off. They appear to both know and not know what happened - not sure why they have to research if they're standing behind this choice. 

I have had standing special instructions in the past, but they have only applied to my autopayment which has consistently been misallocated as well. Every month I have to chat with them at least once to get it fixed. My special instructions had stated to pay off the highest interest loan first with any additional funds in my auto pay payment, which would have been loan A in the first place. They could not give an answer as to why this wasn't followed, or even what they have for special instructions on their end. What do I do to get this loan paid off? I have been making consistent on time payments and had no balance due when I made the payment, as I have autopay set up for the minimum payment and make my additional payments manually, as I did in this case. There is no reason to go against my wishes when I submitted to pay by group on the site.
I purchased TV service from XXXX XXXX in XX/XX/XXXX, for {$74.00} per month. The service was to include their 250 channels plus XXXX XXXX. I paid the install fee with Citicard of XXXX XXXX, SD. No other charges were authorized. I paid the monthly charges with another credit card which had no association with Citicard. In XX/XX/XXXX I found that XXXX had blacked out 55 % of the 250 channels, but had received no reduction in charges. Since I was not under a contract, on XX/XX/XXXX, I cancelled the XXXX service. XXXX claimed that I owed an early termination fee of {$320.00}. I advised them that I had not agreed to a contract, nor had I signed a contract. In fact, I had never seen their contract. I refused to pay the charges. Because I did not trust XXXX, I telephoned the bank that had been paying my monthly charges, and instructed them to decline any further charges from XXXX. They complied. However, XXXX found in their records where I had paid installation charges from Citicard. They filed the charge with Citicard, who initially paid the charge. When I learned of the deception, I informed Citicard of the forged contract that XXXX had created and instructed Citicard not to pay the XXXX charge. Citicard then reversed the payment to XXXX and purportedly began a half-done investigation. Without talking to me, Citicard decided to pay XXXX, even though I provided Citicard proof that XXXX had forged my signature on the supposed contract. Since then, Citicard has tried to collect the XXXX charge from me. This is how Citicard treats customers who has been doing business with them for 22 years, paying every statement in full and on time.
XXXX XXXX XXXX credit card is reflecting negatively under my credit files. this account and balance do not belong to me. I have sent in a police affidavit report and additional documentation and this should not be appearing on at of my credit files. XXXX XXXX XXXX was also sent this information and advised they would have it removed as well. I have requested the three main credit bureaus remove this account but they have not and have not complied with he allowable dispute period and or notified me of the results and it is over the allowable time frame. I have sent in numerosus disputes on this. this has not been handled