WillisBack/dataset-financial-user-claim huggingface dataset:
I moved from paying my car loan once a month to weekly to reduce the high interest rate. My payment was due on the XXXX of every month, so I made the normal payment of {$570.00} and then the next Friday, I paid XXXX and set it up as a recurring weekly payment through my bill pay with XXXX. These check when sent are withdrawn immediately from my account. It was almost 4 weeks later that I received the first check back with a letter from Santander. The letter stated that the account number listed could not be located. ~The account number is clearly printed at the top of the checks.~ I have tried to resolve this issue with them, but even the Office of the President is not making any progress and I am now 3 days late for the payment and interest and late fess have started to accrue. There is no problem with the payment, the checks or the account. However when I call in to the Presidents office my phone call is " answered '' with no one speaking for up to 30 minutes, when I call from a friends phone I can get through to them immediately and then am given an excuse like they are researching the matter and if this was their fault they will refund excessive fees, but will not put that in writing to me. I feel I have no other options for making my payments and have no where else to turn to pay my bill. 
I have made 12-15 phone calls about this, spent more than 25 hours on hold or getting bumped from department to department. I am exhausted of this and just want to pay my bill.
I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance. 

My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close the account.
Debt was taken out in XXXX XXXX paid on the debit from XXXX till XXXX without ever missing a payemt, now that I have stopped paying on the debt the loan was sold off, I do n't think I owe the debt any longer due to I 've paid the XXXX back with intrest and then some. 

In XXXX a class action lawsuite was broght against the companty the loan was taken out with due to unlaw pratice and how they posted your maoney against the loan. 

Now I 'm being sued by some other comapny I have never heard of.
We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear.
As you requested the following is a Statement of the Facts as they pertain to my complaint to Chase Credit Card Services for damaging my credit. 

Chase Credit Card Services collected automatic monthly payments from my checking account in the amount of {$240.00} per month as agreed with one of their representatives to pay off my existing balance. The payments started in XX/XX/XXXX. My intention was to pay off the balance in a timely manner and repair my credit. The account has been closed since that time, and I have been receiving email statments which I have not reviewed mainly becuase the has been closed and my communication with Chase has been on the phone when they call to renew my auto payments. My reasoning for not paying off the account was to reestablish my credit payment history. The recession caused my to loose 75 % of my income and I was unable to manage my credit cards. 

On XX/XX/XXXX I checked my credit score on XXXX XXXX and discovered the error and immediatley made contact with Chase and paid off the unpaid balance based on my phone conversation. I spoke with two different people in the credit department and explained my situation and neither one of them offered any resolution to my dilema. 

Chase Credit Card Services has reported me to the credit reporting agencies 90 -120 days late since XX/XX/XXXX to date XX/XX/XXXX. My credit has been damaged in a dramatic way. In talking with a lender they should have applied my payments toward the unpaid balance first. It was never explained to me an unpaid balance was just sitting their causing the late reporting. 

I requested a copy of the my statements, which I have in my possession and can send to you if needed. 

Please let me know if you need further information from me. I have copies of my statements. I will also contact the Consumer Finance Protection Bureau for help in this matter.
To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone  told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life. 

Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts. 

This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great. 

Thank you for your time, XXXX XXXX XXXX
I am a " Star Rewards '' cardholder with XXXX. I purchased over {$1200.00} dollars worth of items within a 6 month period and because I was a Platinum member, I was supposed to be awarded a {$10.00} reward for every {$150.00} dollars spent. I was missing {$60.00} dollars in award money ( money to spend on purchases ). I logged into my account multiple times and the reward money was never there. I contacted XXXX Customer Service and they said " They made a Mistake '' and that I was supposed to have gotten the {$60.00} dollars but for some reason I never received it. I told them I wanted to close my account, and they said they would credit the {$60.00} dollars of rewards money to my account, and I kept checking and they never credited it. I contacted them again and they continued to avoid giving me my award money, so I paid off my balance of {$500.00} dollars in XXXX. Two months later ( received new bill in XX/XX/2018 ) - they sent me a new bill saying I still owed them {$4.00} two months after I paid off the balance. I checked my balance before I paid the account off and it was exactly XXXX dollars. XXXXXXXX XXXX charged me {$120.00} in interest charges in a 8 month period. 

1. I do not owe them {$4.00}. My balance was {$500.00} when I paid off the balance two months ago on XX/XX/2018. I want this balance removed because I paid this bill on time and I checked the balance before I made the payment and there was no interest charged on the balance at the time I made the payment - XX/XX/2018. They sent me a bill TWO MONTHS LATER! 

2. They purposely kept my rewards earnings of {$60.00} and never allowed me to use it. The XXXX XXXX Customer Service representative even admitted they had made a mistake and never awarded me the {$60.00} dollars I had earned. I want my {$60.00} dollars in rewards money from these XXXXXXXX XXXX CROOKS!
The XXXX of XXXX in XXXX has nothing on record of me owing any debts.
Atlantic Credit and Finance Inc. called and spoke with me on Thursday, XX/XX/2018 regarding a debt I have. I did not deny having the debt but requested the amount of insterest and late fees that accumulated in order to help bring the debt down so I could pay it off. The four representatives I spoke with all refused to look up the interest and late fees and continuously ridiculed and belittled me over the phone. XXXX, XXXX, XXXX, and XXXX are the representatives i spoke with and hung up feeling embarrassed and frustrated that they were unwilling to help me as I was calling to get this account back on track. They also threatened to sue me multiple times over the phone. When I hung up I called the original card company and asked for my last statement with all of the interest and late fees. My balance ( with no interest and late fees ) was {$940.00}. The interest and late fees totaled around {$820.00}! This company is trying to collect for {$1700.00}. Which is why I repeatedly asked for the amount of interest and late fees to help drop the balance and allow me to pay off the debt faster. I also tried to negotiate the debt to have it paid off faster by the end of XXXX and they refused to negotiate or work with me.
I am being over charge by Comenity Capital Bank for services I did not receive. The bank has not responded to my requests.
I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the 3 components under the FCRA and XXXX is in essence breaking the law and I am requesting that they either show me all 3 pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX on XX/XX/XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX on XX/XX/XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me and I do not have sprint service*** 5. XXXX Date of inquiry was XX/XX/XXXX **I called and they find no evidence to support permissible purpose on this date listed**** 6 XXXX On XX/XX/XXXX ***I called them and no permissible purpose was found*** 7. XXXX on XX/XX/XXXX and also on XX/XX/XXXX ***Called them and no permissible purpose was found and no auto loan was granted*** 8. XXXX on XX/XX/XXXX ***Called them and no permissible purpose was found*** 9. XXXX on XX/XX/XXXX ***Called them and No permissible purpose was found*** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others. If they want to keep these inquiries on my credit report and state that they have to because of factual truth then support your position and send me the 3 pieces of proof listed above. If not you are intentionally trying to hurt my credit worthiness and this must stop immediately.
Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted in XXXX, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. In addition, I had a fraud alert placed on my file in XXXX of this year and yet there is a credit inquiry from XXXX XXXX in XXXX. The fraud alert states that i am to be contacted by phone. This did not happen. Lastly, I have requested that they remove inaccurate addresses, this has yet to be done.
I used Money Gram to transfer an amount of Money to XXXX XXXX this transaction was successful got a reference # on my end ; however on the other end my receiver couldn't get the money after going to 5 different banks since the amount exceed their limits ; after speaking with Money Gram 6 different times they only solution they gave me is it for ME to cancel ( which I don't want ) this transaction and wait up to 10 business days to get it back, they can not do their service and now I have to wait for my own money and I can not dispute the charges as well since this transaction shows under " processing '' this is frustrating and unreal they should refund customers money it right away since they can not fulfill and complete their service and the only reason we use this company. PLEASE BEWARE or their ' '' SERVICES ''
I am being harassed by Synerprise Consulting Service. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( XXXX ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from XXXX which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that Synerprise Consulting Services is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau XXXX  is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.
I was notified that by my credit monitoring service that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report from Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I provided XXXX XXXX XXXX formal notice of dispute and request to cease unauthorized inquiries into my credit report. In my dispute I notified XXXX XXXX XXXX the debt purchased by XXXX XXXX XXXX XXXX, whom they obtained the credit report for, was discharged in Federal Bankruptcy Court ( XX/XX/XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( XXXX ). I have no legal ownership interest in the property which they are attempting to collect. As a result of my dispute, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have acknowledged they obtained my credit report in error and contacted Equifax via telephone and mail correspondence to request they remove the errant record of the inquiries. Equifax refused to remove the inquiries. 
I have also contacted Equifax via letter of dispute dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. I also contacted Equifax via telephone on XXXX XXXX and XXXX, XXXX. Equifax has repeatedly refused to remove the inquiries and denied my disputes. In addition to mail and telephone disputes I faxed Equifax documents ( Bankruptcy Discharge Order, Property Deed, XXXX XXXX request to remove inquiries ) supporting the inquiries were made in error. During a phone conversation with Equifax supervisor, " XXXX '' I notified her the debt in which the inquiries were linked had been discharged in a federal bankruptcy proceeding. Supervisor XXXX acknowledged she had received the discharge order and request to remove the inquiries but refused to remove the inquiries. XXXX XXXX XXXX has been unable to utilize Equifax 's Rapid Resolve system to remove the inquiries and all efforts ( phone, mail, electronic ) to have Equifax remove the inquiries have failed. 
Equifax has acknowledged XXXX XXXX XXXX notice of errant inquiry, have reasonable knowledge the inquiries were made in error and violate Federal Bankruptcy Protections afforded me but refuse to remove the errant inquiries. It is my assertion Equifax has been provided sufficient documentation to support the information they are reporting is incorrect and are required to remove the errant inquiries.
I purchased a XXXX XXXX XXXX XXXX from XXXX and had {$100.00} loaded on it. I was charged an additional {$2.00} convenience fee as well. 

I did not realize that when I purchased it that I would need to provide my social security number and birth date with the company in order to use the card and redeem the money I already loaded on it. It also seems like they are going to charge a {$1.00} every time I use the card. I am not looking to have a financial relationship with the company and have no intention of reloading the card. I simply want to access the {$100.00} I already put on it without paying a fee every time. 

The phone number they provide does not have an option to speak with a customer service rep. It disconnects you if you do anything but follow the activation instructions. it is the only # the company provides and they market it as a customer service line, including for questions or refunds. 

I have sent emails to the company as well and get non-specific messages back that tell me they need more info but don't ask for anything in particular. Just my phone number.
I made a mistake in making a payment to XXXX as a payee instead of Hyundai. The XXXX XXXX XXXX XXXX ) confirmation of payment is XXXX 
I did not recognize my mistake until my Hyundai statement arrived and did not reflect the payment made on XXXX/XXXX/XXXX, in the amount of {$220.00}. 
The Branch Manager of XXXX, XXXX XXXX ( XXXX ) met with me on XXXX/XXXX/XXXX. She contacted XXXX XXXX ( XXXXXXXXXXXX ) who confirmed payment was made to " XXXX '' but to the Hyundai account and address. She faxed a copy of the check, in which I was shown as the remitter and was deposited into an account shown on the reverse side of the check " cred to payee '' written opposite my account number ( XXXX ). I do not have an account with XXXX. 
I received a form letter from XXXX asking me to contact the XXXX in XXXX, TX. 
On XXXX/XXXX/XXXX I wrote XXXX and asked that they assist me in unraveling the error. No response to this date. I sent an email to XXXX on XXXX/XXXX/XXXX asking for help and no response. On XXXX/XXXX/XXXX i again wrote XXXX requesting that either the payment be returned to XXXX, pay Hyundai, or refund payment to me. No response to date. 
On XXXX/XXXX/XXXX I filed a complaint with the Office of the Attorney General, State of Florida, and received an email XXXX/XXXX/XXXX indicating that I should contact your office and they would also send my complaint to XXXX. They closed my file. 
I request your help in either getting my payment credited to Hyundai, or return the payment to me.
I have been sued by XXXX XXXX and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.
National Credit Systems, amount of {$7100.00}. Once again National Credit Systems has not responded to my debt validation that was sent to them also they have reported this account to all three of my credit reporting agency which is a violation of the FDCPA, FCRA and possible Fraud
i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you.
In XXXX of 2016, I opened up a credit card account with Navy Federal Credit Union, a limit of XXXX. As of XXXX, i called them informing them that my card had been missing and i needed it frozen in order to protect my account. I also moved in that from the location that i was previously living. I was unable to get any bank statements or payment stubs from Navy Federal Credit. Because of this I am in turmoil. My credit has drastically dropped because of this. I feel as though it isnt fair that i am being punished for a report i was unaware of. Especially if i wasnt in the given location where my bill was being sent to.