WillisBack/dataset-financial-user-claim huggingface dataset:
There was a purchase for a {$20.00} shirt via XXXX and my debt card. The subtraction came on my account on XX/XX/XXXX. For the amount of {$210.00}. A adustment was imediately filed with my bank and yet there is still no return of my funds that were overcharged. I was told in a letter from the adjustments department that I would be notified of their decision as ofXX/XX/XXXXXX/XX/XXXX. I heard nothing from them and when calls are made to the bank the response is that they are still trying to reach the vender. I am told by the Ct. Attourney Generals office that after 45 days from my complaint a charge back should have been made to the vender or his XXXX companys account and my funds returned. However there has been no such action and my bank tells me that if and when they recieve the funds back then and only then will I be reimbursed. I am filing this compaint to try to get my fund returned.
My grandfather XXXX XXXX opened a Certificate of Deposit at XXXX in my name XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX merged with Capitol One Bank on XXXX XXXX, XXXX. My grandfather recently passed on XXXX XXXX, XXXX and I found the certificate. On XXXX XXXX, XXXX I went into a branch in XXXX, MD to inquire about the status of the accoount. The agent advised the account had been purged due to inactivity. He was unable to locate any documents to determine if the funds were withdrawn, transferred or sitting, but stated the account was being researched. On XXXX XXXX, XXXX, I contacted the branch to obtain any updates. Again, I was informed no further information had been located. I am writing to submit a complaint due to the time frame that has passed and no answers have been provided as to where the funds are located. I have contacted the FDIC, MD Unclaimed Property and have had no success in locating he funds.
This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit
I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Bank of America has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.
My credit card company, Bank of America, did not protect me from a merchant who made fraudulent misrepresentation inducing me to enter into a transaction with them.
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Experian nor has Experian requested the information, I called Experian and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. He stated they verified this information through the Iowa Federal Court. I advised him that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. He stated it was also verified through a 3rd party credit reporting company, XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Experian. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Experian never marked my credit report as being disputed either.
I sold a phone on eBay. The seller paid via PayPal. PayPal waited until I shipped the phone to the customer then froze my account because of a debt they claim I owed in 2004. I was never sent a letter about this account and they will not show me valid proof that this is my account. They are holding my funds in the account and will not release them.
I ordered products from XXXX XXXX XXXX and paid for the original order on time. After that, XXXX sent me additional products that I did not order. They were not cooperative when I contacted them about taking these unordered products back. They 're still trying to collect the payment for these unordered products even though I told them I never ordered them. I now have a collection agency contacting me about this payment.
Please help me. 
I do n't want to lose my home. I bought a house in XXXX 2015. The lender adjusted the insurance premiums to a low amount so i can qualify for the loan according to my debt to income ratio. Five months later they bought a higher premium insurance policy and I end up paying XXXX usd more monthly and its out of my budget. They intentionally did this to make me default my mortgage loan and foreclose. 
My phone number is XXXX The lender is wells fargo The address is XXXX XXXX XXXX fl XXXX Sent from my iPhone
In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.
Dear BCFP, On XXXX XXXX, 2015 my sister and I filed our first request to access our mother 's " 360 account '' with Capital One Bank. XXXX. On XXXX XXXX, 2015, we submitted XXXX required documents : our power of attorney document and the required document for power of attorney that is specific to Capital One. We have been told at every turn that these are the only documents needed. 

Since XXXX XXXX, 2015, we have re-submitted those documents multiple times ; we have called many times ; we have done everything by the book and by Capital One 's rules. They still wo n't give us access. I ca n't get any tax information from them. Meanwhile, as we try to take on a major bank, our mother has literally weeks to live. Can you please help look into this act of wanton stonewalling and ineptitude so that our and similar cases will not reoccur? 

Thank you!
NAVIENT Courtesy Loan Forbearance due to Defense to Repayment investigation is not being applied. Navient continues to insist the Department of Education has not contacted Navient for a courtesy Forbearance although I have verified with the DoE and FSAO via FSA Borrower Defense Application : XXXX Navient will not acknowledge this Borrower defense and continues to put me on extended holds ( 45+ minutes - 90 minutes ) then transfers again for no reason.
I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validility of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
I had a Capital one credit Card years ago. They cut the card off because they said they could not confirm who I was because someone got my information and they sent a card to Florida. That was fine I keep making payments and played it off. I did not heir from them for years and I assumed the account was closed and cut the card up. Then in XXXX XXXX-2017 I get a bill for fees on this account after not even hearing from them for years. I do n't have the card and I contacted them and all I get is the runaround about a password I no longer have. I have gone threw the hole proses twice and they tell me it will be taken care of but the next month I get another bill with more fees. I have had more ID problems as of late.
On XX/XX/XXXX I ordered a bedroom set from Kohls. I received everything but the dresser that for some reason never shipped. I have contacted Kohls repeatedly to get a refund for the item. They have opened multiple tickets to investigate and keep coming back saying yes you never received it, we will issue a refund. I am told anywhere from 2-7 days and I never get it. I have made multiple phone calls as well as emails communications over this issue. I called again today and was told they will not issue a credit until the third party vendor they used says why they didn't ship it. I don't care why they didn't, they didn't and I want the money back. The items was XXXX. During one of the calls I told them I still need a dresser so they placed a 2nd order for the item again at XXXX. I did receive the 2nd one and was told at that point I would get the credit back for the 1st about the same time I got the 2nd dresser. Again this has been going on since XX/XX/XXXX and as of today there is still no refund. Here are the dates I have called, I believe there are a couple more early in the process but honestly didn't think I needed to be to tracking that closing. 
XXXX, XXXX. Email communications are from XXXX thru XXXX.
This company is showing a Judgement on my account with a balance. This Judgement was paid in XXXX, Collection Agency dates that it was paid in XXXX. It is now XXXX and it is still showing on my report and its showing a balance instead of paid
I was refinancing XXXX of my XXXX properties with Prime Source Mortgage in XXXX, CA. They approved, then denied my applications, then approved XXXX of the XXXX. I decided, I no longer wanted to work with this company and moved my application to the Broker I was working with prior to Prime Source Mortgage. My loans are approved with XXXX through the broker XXXX XXXX. The lender has requested to have my appraisals transferred, that I paid for. They will not transfer. Prime Source Mortgage has indicated that they have proprietary ownership of my loans? They are refusing to release all XXXX of my appraisals to the lender I have chosen to work with. How can a lender stop me from choosing to work with someone else?
Have called multiple times, but they have never spoken to me or left a message. When I pick up they hang up. Upon looking up the phone number it comes up as Client Services, which is a debt collection agency.
Please take the time to look into student loans and XXXX XXXX XXXX fraudulent practices of applying their students into predatory student loans knowing full well that majority of the students could not repay back those loans after graduation. I had emailed you on this issue a few years back and explained how after graduating from XXXX XXXX with a XXXX XXXX XXXX I was told that my degree from XXXX XXXX was worthless to any governmental agency : State and Federal because of the accreditation of the school. I owe close to {$100000.00} in student loans ( both government and private loans ), many of which are in default or placed on an Income-based repayment plan where my monthly payment is at {$0.00} per month because I can not afford to pay back these loans due to the high cost of living for me to provide for my family of XXXX. 

Most recently XXXX XXXX has been forced to shut down all its ' schools and is being sued by many states due to fraud practices on recruitment, student loans, etc. I had attended XXXX XXXX XXXX in XXXX, Nevada from XXXX - XXXX and graduated as XXXX. I attended school even throughout the economic crash, even through bankruptcy proceedings living off their promises to better opportunities of the future of starting anew and obtaining a better paying job to provide for my family. During the course of attending, XXXX XXXX 's Financial Representatives have placed me into numerous student loans to pay for their courses promising me that when I graduate it would be all for the better. I studied hard and worked hard to get high grades, even while working a full-time job and being a full-time mother to my XXXX children. After graduation, all I found myself was in high student loan debt which I can not repay. Till today, I have been suffering from shame, guilt, XXXX knowing that the debt is still rising from high interests and penalties and all I have to show for all of this is a " Blank '' piece of paper, according to the XXXX personnel when they refused to hire me for a XXXX because I did not meet the education requirements. I was also denied a position as a XXXX agent at the XXXX because my credit is too high and risky, and they too did not recognize my education. 

When will this all end? I do n't have the money to hire a lawyer to help me nor do I know where to start in getting rid of these loans which have been a nightmare to myself and to my family ( with high collection calls from Navient and collection departments ). All this because of a school that refuse ( s ) to take responsibility to misleading me into high debt for an education which is worthless. Help me!
I was contacted by Atlantic Credit & Finance on today XX/XX/XXXX. The call was humiliating and harassing because the person I spoke with forced/coerced me to tell why I couldn't make the payment. He consistently asked about my personal life regarding why I couldn't make payments. I told him that I did not want to continue the conversation about my personal issues. I wanted to talk about rectifying the payment. He said he couldn't help me until I tell him the reason why I stop paying on the card. This went on for about 30 minutes. He put me on hold and then his manager got on the phone and said the exact same thing to me. I practically begged both of them to end the conversation because I was in tears. Both of them continue with no concern. I stayed on the phone with them for almost an hour and still no payment arrangement was made when the call ended. I felt ashamed that I had to disclose this information. The amount of the debt balance is {$1800.00}. I received communication via XXXX XXXX  as well. The letter disclosed that I could mail payments. The rep told me that I could not mail the payment in unless I send them {$900.00}. The letter also states that I could make biweekly payments as low as {$25.00}. I was not offered this amount as an arrangement.
We opened 2 CD accounts with Wells Fargo payable to the XXXX 's XXXX XXXX XXXX for our bond which is required to have an active XXXX 's license in California. The CD bond money is the property of XXXX 's XXXX XXXX XXXX and as such can not be accessed by ourselves and more importantly Wells Fargo. As per the attached letter we have made our position to Wells Fargo quite clear. In essence Wells Fargo 's actions caused us losses of personal health, customers, job income, legal fees and time. Wells Fargo contacted us and asked if we would accept {$1500.00} for the unauthorized closing of the CDs which we declined. Subsequent to this offer we entered into a mediation process. During the mediation the Wells Fargo representative who had previously contacted us lied about what the {$1500.00} offer was for. Instead of admitting that the offer was for the CD 's he said the offer was for an unauthorized credit card that they opened which occurred the same day they closed the CD 's.  The credit card issue was never mentioned in that conversation and in fact Wells Fargo made a {$200.00} offer which we accepted as settlement in full for the unauthorized credit card in our name months before he called us about the CDs. We are not certain where we go from here so we are appealing to your agency for help and direction
Using my XXXX XXXX XXXX account, I made a payment to Discover on XXXX/XXXX/16 in the amount of {$300.00}. the money left my XXXX balance immediatly. I saw it credited to my Discover account on XXXX/XXXX/16. then, it reversed a day or XXXX later. I contact discover ... they said that XXXX reported insufficient funds. XXXX serve said they did not report insufficient funds. I continued to contact Discover ... .they said they have to try 3 times and then they will send the money back to my account. they were rude and not helpful. 
Today I looked at my discover account to see if the third try worked. they charged me a {$37.00} NSF fee a nd {$55.00} interest fee.I am someone trying to pay off my debt rapidly and do the right thing. I am disgusted by both of these institutions.
We Are not able to make payments to the Principal of the Student Loan thru the Navient Internet Page???
About 3 years ago, I started my own XXXX and opened up a BOA business account along with a credit card merchant service. When I signed up the contract with the bank agent, the guy told me that I can cancel the credit card merchant service any time I want without any penalty. Things have been going smoothly until I closed my business 6 month ago, when the BOA collection department started sending me letter and had me pay them {$540.00}. I understand that I am responsible for the {$44.00} as it is the service fee for the last six months, but I have no idea why they ask me to pay the {$500.00}. After getting the first letter from them, my son called them immediately in an attempt to figure out where the {$500.00} came from. The representative said that the {$500.00} is something called " Early Termination Fee '' which I should take care of it as my XXXX shut down before the contract is over. I was extremely frustrated because the bank agent did not mention anything about the " Early Termination Fee '' in the beginning, she kept telling that I was able to cancel the service freely. My son had negotiated with the collection department and customer service for a long time, and finally they agreed to escalated my case to their management level to see whether they can waive the {$500.00}. Two weeks later, my son got a phone call from a lady whose name is XXXX XXXX I believe ( her phone number is XXXX ), she told us that we no longer need to pay the {$500.00}. I was glad that they waived the {$500.00} at the end, but when I called back the collection department to double check, they still told me I own them {$500.00}. Then my son tried to get in touch with XXXX XXXX, Customer Service, and Collection department to figure out what 's going on here. Customer Service and XXXX XXXX said I do not own them {$500.00}, but the collection department kept sending me letter for the {$500.00}. I am really lost now. It takes long time to get through their phone tree and waiting time, so I decide to lodge a complain here and ask for help. I feel that they treated me in a very unprofessional manner, and the {$500.00} Early Termination Fee is really a fraud, it 's like they rob money from me violently. I want the collection department to give me a fair explanation and apologize to me.