WillisBack/dataset-financial-user-claim huggingface dataset:
I had a repayment plan setup with Navient. I was told that in the event I did n't have money in my account for a scheduled payment I would need to call no later than XXXX one business day before the withdrawal. I called before XXXX the day prior to withdrawl, spoke with someone who shifted my payment date later in the month. CONFIRMED that this was shifted. I received confirmation numbers for the new dates. Navient debited my account anyway on the XXXX putting me negative and triggering overdraft fees. When I called to have this fixed on the XXXX of XXXX I was told that no one knew anything and an investigation had to be performed that no refund was possible until after the investigation and that I would hear back soon. I did n't hear back. I called back on the XXXX of XXXX and was disconnected 3 times trying to get information about my complaint. Eventually I was able to speak to someone who had some magical ability previously absent from other representatives to look at my account. He was able to determine what actually happened was that the " request '' I had called about on the XXXX was n't able to be processed, despite me having confirmation from the rep on the XXXX and confirmation numbers. No one knows anything. I should have been promptly refunded on the XXXX when I called and instead representatives from Navient chose to lie to try and avoid the reality of their actions. 

Navient withdrew money from my account without authorization. This has caused me extreme hardship as I am not able to buy groceries to feed my family. What they did was blatantly illegal and they do everything in their power to make it all but impossible to force them to correct their errors.
I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!
On XX/XX/XXXX I contacted XXXX, TX XXXX at approximately XXXX which Texas is behind me I believe 2 hours or so. I spoke with XXXX about an XXXX XXXX XXXX. 

Order of process : XX/XX/XXXX XXXX agreed to {$650.00} for XXXX liter with XXXX miles and {$200.00} for shipping totaling {$850.00} paid by Credit Card Citi XXXX Should either be shipped out Friday the XXXX or Monday the XX/XX/XXXX. Currently waiting for email reply with receipt and bol or tracking number. 

By XX/XX/XXXX I still had not received any confirmation email of any kind. No receipt, tracking or BOL. So I tried to call XXXX and on the other end a greeting asking you to enter the parties extension, no company greeting like welcome to XXXX just a generic recording to enter an extension. I tried for a few hours and at that point realized that there was no way for me to get in touch with this company. 

I then contacted Citi Bank XXXX and open a dispute and closed out that account. I told them the same story and the investigation went on for 3 months and twice Citi reversed the charge back to me. I would contact them and they would then reopen the case. Now they say that they have exhausted their efforts and the merchant states that I refused the engine. Not true the dispute opened on XX/XX/XXXX and without my knowledge tried to deliver the engine on a tractor trailer without a lift gate to my mechanic. At this point the order from XX/XX/XXXX had already been in dispute 6 - 7 days. So no, the engine was refused for two reasons 1. disputed 2. no lift gate either way this was a mutt point. 

The merchant ( XXXX ) was suppose to email me a receipt and tracking information, which they never did. They were also suppose to make sure the truck delivering it had a lift gate since the shop it was going to did not have a fork lift. Since I never received and email correspondence even though I did email them in the beginning and they did get it and it never bounced back so you know they had the email address 1. I gave it to XXXX and 2. I emailed him asking for a picture. 
XX/XX/XXXX five days go by and no email confirmation. So on the XX/XX/XXXX I opened a case against XXXX and closed my account and was reissued a new credit card with a new number. 

XX/XX/XXXX I received a voicemail from the shop where the engine was suppose to be delivered to stating that there was an engine on a tractor trailer without a lift gate for me and he had thought I had already canceled this and even if I had not he had no way of getting it off the truck ( no lift gate ). 

Now the credit card company CiTi Bank says that I refused it and that is why they are charging it back to me. Not true, dispute was started 6 or 7 days before they tried to deliver it. It 's not my fault that I could not get in touch with via phone since their phone only had a recording to enter an extension?? 

This is an {$850.00} charge and Citi Bank does not seem to care that they are making me pay for something I never received.
To Whom It May Concern Please be advised that this is my THIRD WRITTEN REQUEST about Transunion reporting inaccurately on my credit report as under the FCRA 15 U.S.C. 1681i whereby all unverified accounts must be promptly deleted. In the event that they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 DAYS NOT 60 DAYS of receipt of my first or or my second letter then you must remove these accounts from my credit report. 
The fact that Transunion has ignored my request to send me copies of the documents that were used to verify the disputed accounts within the time stated by law of 30 days, is evidence that they can not and did not verify any of the disputed accounts like they said they did. Transunion 's failure to delete the disputed accounts shows within the days allocated by the Federal Law also reveals that they can not verify anything, even after two written requests and also evidence of their willful disregard of Federal Law. 
Finally, please be advised that this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.
We were charged XXXX for XXXX XXXX seats on XXXX XXXX to XXXX. We have contacted XXXX and Chase ( the issuer of the credit card ). Both responded that we had XXXX XXXX seats so no refund was due. That misses the point. We do not dispute that we had XXXX XXXX seats ; the issue is that we were charged XXXX. 
The confusion stems from the following sequence : -- -XX/XX/XXXX We made reservations for the round trip to XXXX and purchased XXXX XXXX seats. 
XX/XX/XXXX We purchased a year long subscription for XXXX XXXX seats from XXXX. 
XX/XX/XXXX We contacted XXXX to cancel the reservations made on XXXX within the XXXX hour window for no-penalty cancellations. We explained to the agent that we intended to rebook and use our XXXX XXXX subscription to obtain XXXX XXXX seats on the new reservation.She said there was no need to cancel the reservation. She would adjust it to reflect our XXXX XXXX subscription. She did so ; sent a confirmatory email ; and the amount charged our credit card reflected the air fare with no charge for XXXX XXXX seats. 
XX/XX/XXXX XXXX charged our credit card for the XXXX XXXX seats with no notice to us. We learned of the charge in XXXX when we received our monthly statement. 
XX/XX/XXXX We submitted a written refund request to XXXX. 
Late XX/XX/XXXX After receiving no reply from XXXX, we submitted an electronic refund request. 
XX/XX/XXXX We submitted a refund request to Chase Bank, the issuer of the credit card. 
XX/XX/XXXX We received notification from XXXX that our request was denied because we had received XXXX XXXX Seats. 
XX/XX/XXXX We supplied Chase Bank with written documentation of the above transactions. 
XX/XX/XXXX We contacted Chase Bank to ask what was happening with our refund request. We were informed it had been denied because we had received XXXX XXXX seats.
We tried twice to get a loan modification through Wells Fargo, who owns our now old mortgage servicer, America 's Servicing Company. At one point, we were told verbally that they did not own America 's Servicing Company although Wells Fargo listed them as a servicer for them. At NO TIME during our attempts to get a loan modification were we offered a forbearance, as I understand we should have been. On our third attempt, we were finally approved, and had a three month trial period for our loan modification. The three months consisted of XXXX XXXX, XXXX XXXX, and XXXX XXXX. We had made the payment for XXXX. I received a call from our Home Preservation Specialist, XXXX on XXXX XXXX, asking about the payment for XXXX. I informed her that I had tried making that payment over the phone AND online, but that neither service would let me. She then tried to get me to make the payment over the phone, but I told her it would have to wait until I got to work, as I was driving. She had previously stated that we had until the end of the month to pay XXXX 's payment. Later that night, I called and made XXXX 's payment, setting the date on it for the XXXX, so my paycheck would have time to hit my account before the payment did. On XXXX XXXX, XXXX, we received a letter in the mail, stated that our loan had been transferred from Wells Fargo ; it also referenced another " communication '' that we supposedly received. It stated that our loan had been approved for a Loss Mitigation Option. Not knowing anything about the transfer or anything in this letter, I called and talked to XXXX. She told me that they had sent out a good-bye letter on the XXXX of XXXX, with the details of the transfer. According to her, the loan modification should stay the same. 
The other homeowner had called on XXXX XXXX and spoke to XXXX and was told that the letter we had received on the XXXX WAS our notice, and that the new company was supposed to go by the terms of the loan modification. I called them back even though I was at work, because she had just been told something completely different. After a series of transfers, questions that some would n't answer, being hung up on once, I ended up on the phone with someone who I believe was named XXXX. Even though we never received the notice that they were claiming that they sent on XXXX XXXX, she claimed that their records are " enough notice '' per RESPA. She then proceeded to tell me that the payment I submitted on XXXX XXXX & got a confirmation number for had been cancelled, instead of sent to the new servicer. I was told by a gentleman at XXXX at that time that we had 60 days to make the payment, with no worries about late fees or anything. 
Upon speaking with XXXX at XXXX on XXXX XXXX, I was informed that our loan modification was denied because no payment had been made for XXXX ; even though I had made that payment to Wells Fargo and THEY were the ones to cancel it instead of forward it. I was then told that we could apply for a loan modification with XXXX.
XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX   {$140.00} XX/XX/XXXX XXXX  XXXX  {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft
Kirkland is attempting to collect on a debt for an illegal payday lender named XXXX. They have called my work number after I 've informed XXXX XXXX and another company affiliated with Kirland that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another XXXX of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. Kirland violated the FDCPA by contacting me at work after I 've asked the original creditor, Kirland 's affiliate, and Kirkland not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.
First. let me state that I never wanted this prepaid card. I apparently had a credit at my doctor 's office and that doctor 's practice ( XXXX ) apparently had a deal with BofA to provide refunds by issuing a prepaid card. The card came out of the XXXX unactivated for a long time because I really had no idea what it was. Even the emailed statements ( they must have gotten my email through the doctor 's office ) looked like spam ( labeled " Consumer Refunds and Pmts '' with no mention of either the bank or the doctors - that 's not a link I would click on as it looked like phishing ). 

I did finally figure out it was linked to the doctor and activated the card to pay a co-pay, but there have been issues using the card, so I called to try to cancel it and get the balance back. On the first call, the agent put me on hold for a while, the told me she was transferring me to management. Instead I was disconnected. I called back and the agent was somewhat more helpful ; she also put me on hold for a while, but did come back and appeared to be about to process the closure. She informed me that there would be a {$5.00} fee to send me a check and implied that was the only alternative, even though I asked for others. I protested that I should not have to pay to receive my money on an account I never asked for. She again put me on hold, then came back and confirmed that there would be a {$5.00} fee. I asked to speak to a supervisor and was put on hold for quite a while, with the agent checking in periodically. She finally came back and said all the supervisors were busy and rather than keep my holding, they could call me back. I asked for a call back within an hour. That hour passed, so I called back. I did notice that my balance had been diminished by {$2.00} from my original call. This third agent was at least somewhat helpful in that he told me that there as a {$1.00} fee per call ( the 2nd agent did not tell me this when I told her I would be calling back if I had not heard from them in an hour ) .He also told me that I could close my account without a fee by going to a BofA location. There is not one near me. I again asked to speak to a supervisor to now ask for the {$3.00} call fees to be credited in addition to the {$5.00} check fee. The supervisor, XXXX XXXX, informed me that he had already closed my account with no credits for the fees, claiming that that was what the agent made clear I wanted and that I had agreed to the fees. He said that it could not be undone at this point. I had never agreed to the fees and that was precisely why I asked to speak to a supervisor! He said that he would submit my request to the Debit Card management, and it would be up to them if any of my requests were honored, but because the account was now closed it was out of his hands. 
This is a scam. I should not be paying to get my money on a card that I never wanted. The way the agents handled this guaranteed that they would maximize their fees. This is exactly the type of deceitful and evasive behavior that gives banks a bad name.
My credit limit is {$11000.00}. I want balance transfer {$9700.00} from {$11000.00}. But my credit card company told me I can only {$5500.00} transfer from that. But why? This is not mentioned in cardmember agreement. Also I called XXXX times but they do not give me reasonable reason. I say what is meaning of agreement. They told me I can transfer only 50 % of credit line. But this never mention any where in cardmember agreement. Actually they offered 0 % balance transfer for 15 months. Please see attached cardholders aggreement.
I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX Paypalcredit Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/paypalcredit  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017
I began receiving phone calls from several different numbers and each time a message is left there is no mention of name as to whom the message is intended. The message only identifies as being from a debt collector demanding a return call to Dynamic Recovery Solutions at XXXX. Each time I receive a phone call it is from a number in Georgia with the most recent being from numbers listed as cell phones. I do not owe any debt to this company nor have I received any written communication as to what this pertains, nor am I past due on ANY of my accounts and have n't been in more than seven years. After checking the internet for information regarding this company I have learned they contact consumers on debts that either do not belong to them, false debts, or on debts that are beyond the statute of limitations and attempt to " restart the clock '' on old ( passed the statute of limitations for collections ).
In XXXX XXXX my mom & I called Veterans United Home loans, and placed with XXXX XXXX, Loan Officer. We were interested in a VA mortgage. We were advised that we could apply as my mother is a XXXX Vet, with me as a dependent XXXX XXXX XXXX XXXX we recd notice from Veterans advising we were prequalified. We were not eligible for VA financing, but on XXXX XXXX XXXX XXXX XXXX advised that he would issue a preapproval letter for FHA financing. On XXXX XXXX XXXX I requestedthe terms of the loan because I was missing out on properties. On XXXX XXXX, XXXX XXXX XXXX advised in writing that he could 'definitely make this work ' and on XXXX XXXX XXXX I requested the specifics of the FHA loan. On XXXX XXXX XXXX I received a phone call from XXXX XXXX, at which time I expected to be advised as to the specifics of the FHA loan that was preapproved by Veterans. It was only on that date and time that XXXX XXXX asked for anything more from me than my paystubs. We requested financing up to $ 300K, and advised that we could put at least a 20 % down payment, and {$5000.00} ernest money towards the purchase Only THEN did XXXX advise that my XXXX score did not qualify for an FHA loan. According to the FHA manual, my XXXX score did qualify. XXXX misrepresented that it was FHA, and later admitted it was Veterans Home that would not accept it. 
For almost 2 months, we were unreasonably led to believe that we were only waiting fo the preapproval letter to be issued. There were no qualifiers, no ifs, ands or buts, or any other issues that might disqualify us. We were unethically and unprofessionally misled by this loan officer, and in fact were told that Veteran COULD help us and that we WOULD receive our preapproval letter. Veterans should be required to uphold their promise of financing and finalize the mortgage loan that we were preapproved for. There was never any discussion or mention that ANYTHING would stop the financing process. Ou combined income is in line with the loan amount, and my mother 's credit is outstanding. My credit qualifies me for approval for an FHA loan, and Veterans should approve this financing and proceed to closing.
I have tried to ask the debt collector to stop calling me and they continue to call multiple times. They have now started calling my parents phone numbers which I have no idea how they even gotten their phone numbers. Yes I know I owe a debt but calling me multiple times a day is not going to resolve the issue, it actually frustrates me even more. Today alone they have called twice, yesterday three times, Friday 3 times, and Thursday 3 times, and so on. This is out of hand and has been going on for months.
I logged into my Navient account on their website. I was setting up a budget for the next year and I noticed my balance due is approximately {$18000.00}. This balance is for 3 private student loans I have through Navient. I had received these loans in XXXX XXXX, XXXX XXXX and XXXX XXXX. My original loans balances ( added together ) was approximately {$19000.00}. As of this date my loan balance is approximately {$18000.00}. In XXXX, I was paying a payment of approximately {$450.00} ( 3 months ). That dropped to {$130.00} ( for 2 months ). It was then raised again to {$230.00} ( 18 months ). Then my payment dropped to {$180.00} ( 18 months ). Then it raised again to {$210.00} ( which I  have been paying since XXXX ). Navient states that my expected pay-off date is XXXX. I was looking at the break down of the payment and how it is applied. I am pay way more toward interest then I am toward the principal every month. One of my loans balance started off at {$5500.00}, its balance is now {$5400.00}. And I have been paying on that loan since XXXX. Another one of my loans original balance was {$7000.00}, and its current balance is {$6800.00}. Again I have been paying on this loan ( the longest ). My 3rd loan original balance  was {$7000.00} and its current balance is {$5700.00}. I understand that I have somewhat high interest rates ( 12.875 %, 11.75 %, & 10.375 %, respectively ) and my rate is variable, however I feel that my balance should be decreasing more. I had contacted Navient in the past about difficulty making payments. I was set up on payment plans that last approximately 18 months. But again my INTEREST payments are greater than {$150.00} but my principal payments are usually less than {$65.00}! I was also charged a disbursement fee of {$210.00} on my 1st loan in XXXX. I have several principal payments that are less than {$20.00}, but the principal payments were greater than {$160.00}.
States that a potential creditor or employer pulled my credit file because of an application, this was not done or authorized by myself, would like the hard credit pull removed please.
On my payment schedule it listed my payment as being set to increase XX/XX/XXXX, but actually had this higher amount on my XX/XX/XXXX statement. My statements had been {$180.00} and were suddenly increased to {$190.00} on XX/XX/XXXX with no notification, even though my account has a repayment schedule set to increase to his amount specifically on XX/XX/XXXX. I was concerned at first, and these were exacerbated by the slew of recent lawsuits against this company.