WillisBack/dataset-financial-user-claim huggingface dataset:
Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent a copy of the contact which CLEARLY states the contract date, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I sent them the contract and letters from the vendor agreeing to the credit and called many many many times but they keep telling me there is no way to talk to an investigator and someone will call me back. The Vendor is  refusing to refund the money because there is an existing dispute with the bank. Now, I can't get a credit from the vendor or credit card company. 

I signed a contract for solar installation with XXXX XXXX on Thur. XX/XX/XXXX, the contract clearly indicates that there are 3 days right of cancellation. I left a message to the sales person ( XXXX XXXX ) on the Monday XXXX XXXX requesting that we cancel the existing contract. After not hearing back from the XXXX, I sent him an email CCing account and also sent a registered mail officially requesting cancellation : XXXX XXXX XXXX XXXX. On Wed. XX/XX/XXXX I contacted my Credit Card company requesting a refund followed by at least 20 phone calls, but keep getting the run-around. The cancellation is  clearly within the 3 day XXXX XXXX consumer Rights protection stating : ( 4 ), you have 3 business days from the time you sign your contract to cancel any contract if the sale is made at your home. The contractor can not deprive you of this right by initiating work, selling your contract to a lender, or any other tactic. 

I have been waiting for my refund since and the vendor is not very keen on refunding my deposit. I kindly request the refund of my deposit.
Just because I got myself in a mountain of debt, that is no reason for a company to take advantage of me. The company already had me into it for a large loan, then it approved another loan on top of that. They charged me interest like they are loan sharks.  XXXX  loan states that I still owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. Another  XXXX  at the same company states that I owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. I set up a direct pay from my bank to pay them every month from my checking account, and they still charge me a late fee every month even though I never miss payments. I am being taken for a ride.
I was assured from a representative at Wells Fargo Mortgage ( XXXX area ) that despite starting 10 days after the contract date they would be able to close a loan. I ordered an appraisal from them on a rush XXXX XXXX. I received it back with errors on XXXX XXXX ( 25 days later ) when I was scheduled to close on XX/XX/XXXX. I disputed the results and asked for a re-appraisal. I was told it was ordered, however, the listing agent did n't start getting contact from the new appraiser until the day I was supposed to close. Meanwhile all contingency deadlines were missed. The matter was said to be escalated but there was very little communication initiated by them and some un-returned calls to either me, my agent, or the listing agent to try and keep ahead of the situation. They were unable to deliver and in fact I was told by a regional manager 10 days before I was scheduled to close to feel free to pursue another lender to close.
I have a credit card with Chase. I have been very good at not making late payments for quite a long time. My FICA credit score is XXXX as of this month. I even paid the card off completely not long ago ... and now I have a little over {$300.00} balance which will likely be paid off in the next month or so. My complaint is my interest rate. It is at 29 % and has been for a long time. I did have serious financial problems a few years ago and had some late payments which is when they raised it to this ridiculous level. As stated above I have been being good for a long time now. I called Chase asking to have my interest rate lowered and I was told they do periodic reviews. I feel the periodic reviews must be few and far between. I want my interest lowered and also feel I should be reimbursed some of the interest charges I have paid. I feel what they have been doing to me is a crime ... if it is n't it sure should be!
SunTrust grants rewards points on credit card purchases that can be redeemed for various items, including statement credit and direct deposit to a SunTrust checking account. Beginning with my XXXX 2015 credit card statement, the rewards available are included on the statement. The points on the statement are higher than the reward points that are available for redemption on line. SunTrust explained the difference as a " statement error '' and has been unwilling to resolve this issue,
i applied for a TD bank credit card. was promised a {$200.00} sign on bonus if i spent {$1500.00} in the first 90 days. i did my part. the bank is not giving me the {$200.00} they promised
Now that XXXX has released all our information all over the world, I tried to put a " Security Freeze '' on the 3 bureaus. I was successful at XXXX and XXXX but TransUnion not. I took me click after click on the internet on links that kept bringing me to their pay services. When I finally reached a page it wants me to register. Since one bureau already shared my information across the globe I care not to even register. All I want is my credit frozen. On top of it, I have been on the phone on hold for over 15 minutes and can wait no longer. 1 - This should not be so difficult. 2 - They only seem to want your money 3 - We should be regulated like XXXX 4 - I and my spouse both need to have our credit frozen 5 - I also am going to write my Congressional and Senatorial representation and even though not mine, XXXX XXXX. This is more than ridiculous we are putting the heart of America at risk for  disaster for short-term gains by the few. How can I get our Credit Frozen and when. Thanks, XXXX
I used PayPal to send {$1500.00} to cover a {$1500.00} plus PayPal Fees. When paypal sent notification of the payment, I learned that I did not send enough to cover XXXX fees. I I called the PayPal customer center within 6 minutes of the transaction to cancel the transfer. Note : In the confirmation email sent to my by PayPal they stated that you can cancel within 30 minutes ( Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. ) When I called the customer service number provided they informed me that no matter what the email states, I could not cancel the payment. 
PayPal gave me a false sense of security by stating I had up to 30 minutes to cancel and when I called 6 minutes from the transaction they informed me that no matter what was said on the email confirmation they could not stop or cancel my cash transfer
My daughter XXXX at college when a friend dropped her XXXX. I 'm a retired combat XXXX of 20 years and was the SPONSOR of her health coverage NOT the guarantor of any payment owed since she was over the age of XXXX at the time of the incident. This is NOT my bill, I 've NEVER even been in this hospital! I called recently and the collector was extremely rude, would n't put me in contact with a supervisor when asked and was dismissive of my XXXX I suffered when wounded in combat in XXXX. XXXX is my family military retiree insurance and per federal law, children over 18 are responsible for any payment. This claim was not covered because ot was a third party injury, her friend that dropped my daughter XXXX who was deemed by my insurance as responsible. They are trying to collect from the wrong person.
There are 4 XXXX XXXX accounts which is listed as # XXXX # XXXX # XXXX # XXXX and it says on it Authorized user I was asking them several times to delete these accounts with no success
I paid my Bank of American CC on time in XX/XX/2018. In XX/XX/2018 I received my a new statement with a {$25.00} late fee and interest. I called in XX/XX/XXXX, the rep said they were sorry and took off the interest charge, but not the late fee. At that time I closed the account. On XX/XX/XXXX I recived a new statement with {$25.00} late fee and interest, I was not late I called again today and they would not take off fees
Phoenix Financial Services is reporting that I owe {$430.00} to a company I know nothing about. I have not been contacted by anyone regarding this debt and requested validation. To date I have yet to receive detailed information as to what this is for.
I 'm filing this complaint because Experian has ignored me request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my  ID, Proof of a ddress and police report.
Case # XXXX - XXXX Case # XXXX - XXXX I have not gotten any written words on the one issue : Legal Standing.
There seems to be an extraordinarily confusing relationship between three separate companies. They are PayPal, PayPal credit which was formerly Billmelater, and a third instrument which I now have which is Prepaid Paypal Mastercard. The point of primary confusion, I believe, is entirely intentional. As one jumps from webpage to webpage, sometimes the word " payment " is used in reference to what is owed to PayPal credit, and then immediately following payment refers to money being paid to the people from whom one is making a purchase. What happens, of course, is that the consumer assumes that a payment has been made to the store but in fact PayPal has withdrawn the money from the consumer 's own bank account and then after having left the consumer with a negative balance, pays the shop. The incredibly confusing website process shuttles between PayPal, PayPal credit, PayPal prepaid Mastercard, ahnd every other PayPal site, leaves one in tears.
Hello, I use to have an account with Capital One and XXXX ( also Capital One ), the bank cancelled my account without explanation and few month 's later XXXX canceled my account, again there was no explanation. I was a good costumer at the Bank and doing small but growing investment with XXXX XXXX. 
Best regards, XXXX XXXX
Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. 

I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. 

He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. 

After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. 

I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. 

The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. 

The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. 

I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen.
My intended recipient didnt receive my money ( {$2000.00} ) on  XXXX   XXXX ,  2016, I  requested Bank of America  ( " Bo fA '' ) to provide me an official document or the transfer history through online banking which can show me where my money was transferred to, but they didnt and no any respond to me by now.   The information about this transaction from the bank statement and online banking transfer history I can get by now only included the transaction date, my intended recipients name and the amount ( Please refer to the attachment ). But, since my intended recipient didnt receive the money, the information what I got did n't show me exactly where my money was transferred to on  XXXX   XXXX ,    2016.
failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.
Transunion will not remove this misleading information on my credit report. 
I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.
My COINBASE account was on " temporarily disabled " on XX/XX/2017 with the message " Sorry, account temporarily disabled. " Please contact support. I emailed immediately to have the issue resolved and had a follow up email the same day letting me know it was in process. For the next 3 months i had emailed them back and forth trying to get access to my money and account always receiving the same generated email providing steps for account recovery that didn't work. I called many times only to wait on hold for multiple hours and on the few occasions that the phone was answered they were quick to hang up on me. I am still locked out, my account has devalued tremendously and I can't get the little that remains. I know many have had the same issue. Please help!
CRA violation no knowledge of the fraudulent collections account on my Experian credit report. FTC ID Theft Report # XXXX
I have been a victim of identity theft since XX/XX/XXXX a person name XXXX and XXXX also stole my identity he has been audited by the tax examiner XX/XX/XXXX
I am a victim of identity theft. The following credit hard inquiries on my Trans Union credit report is fraudulent, unauthorized, not mine and dont belong to me : XXXX, XX/XX/XXXXand XXXX, XX/XX/XXXX
On or about XX/XX/2016 I applied for XXXX equity lines of credit on rental condos from Union Bank, XXXX, CA, office with XXXX XXXX, AVP and Senior Relationship Banker and furnished tax returns and other documents. There were to be no points or closing costs, including no appraisal fee. On XX/XX/2016 he told me he needed XXXX additional documents which I furnished immediately. On XX/XX/2016, he told me he needed an additional document, which I furnished immediately, and at the same time indicated that closing would occur by the end of XX/XX/XXXX. On XX/XX/2016, he told me he needed additional information which I furnished immediately. During the process, he unsuccessfully tried to manipulate me to open an unnecessary savings account. XXXX loan was finally recorded XX/XX/2016, but the other application was declined since Union Bank 's policy is to provide a maximum of XXXX equity lines, and I already had XXXX, which was known to XXXX XXXX up front. I learned of the declination orally around XX/XX/2016 but never received written notification of the decline. ( Does n't ECOA require a declination in writing? ) I informed the processor that I would like to reapply for the loan that was declined, simultaneously cancelling the smaller existing line of credit so that Union Bank 's maximum of XXXX lines will be maintained. The processor informed me that the Branch must affirm that appraisal fee will continue to be waived as in the original application. I visited the Branch on XX/XX/XXXX and left word for the Branch Manager, XXXX XXXX to call me. She did not call nor respond to two voice messages to return my call which I left on XX/XX/XXXX and again this morning.
The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.
On Monday  XXXX   XXXX ,   XXXX  , I initiated an " instant transfer from my  PayPal account to my commercial bank in the amount of {$6200.00}. I was informed that the transfer would take " up to one business day '' to complete. After two b usiness days on Wednesday,  XXXX   XXXX ,   XXXX  , the transaction was still listed as " pending ''  by PayPal. Some how, I was able to speak to a PayPal re presentative who had no explanation for the delay but assured me the transaction was in order and would be completed soon. Today, Thursday,  XXXX   XXXX ,   XXXX  , the transaction is listed as completed but my bank has no record of the transfer and the funds have not been credited to my account. A record ed PayPal message informed me that it may take three to four business days for the bank to process the transfer. PayPal has completely misrepresented their service, a service I will never use again.
I disputed an account and requested verification of the following account that Equifax has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On XX/XX/XXXX, Equifax confirmed through dispute number XXXX that this account had been deleted. A copy of the file they provided to me electronically is attached. Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. 

XX/XX/2017, I received another dispute confirmation from Equifax showing that they have reinserted this previously disputed, unverified and deleted account into my credit file. Since Equifax states they use XXXX XXXX as the source they obtained the information, I called XXXX XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT. 

Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. Now that 's its been reinserted, they are stating the same thing again ; XXXX XXXX address and a statement saying " the account is released. '' I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : US Bankruptcy Court XXXX GA # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX agents assured me that Equifax 's " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them.
I just checked my Victoria 's Secret credit card statements and realized that I 'm being charged two different reoccurring charges each month, for at least the last 24 months, amounting to at least XXXX dollars per month. The total cost for these charges was XXXX. I could not get this resolved through Comenity Bank and was told to call the two other companies issuing these reoccurring charges. I was told by XXXX that I had authorized this service when I activated my card. I would not authorize such charges, but can not speak to anyone regarding getting my money back. Comenity Bank 's customer service number is a never ending loop of computerized choices that do not connect me with an actual representative.
I am a student attending to XXXX and leased an apartment for a year from XXXX XXXX, XXXX XXXX to XXXX XXXX made all the payments and gave notice of non renewal in advance. Inspection was done on XXXX XXXX and the administration office advice me of everything been clear when I turned the key. 
I check my credit report about a week ago and find a surprising collection for {$100.00} that I do not owe.
Currently, I have a principal retirement payment taken out monthly in addition to my usual payment plus escrow. I want change this. In the middle of the holidays, I called the mortgagor, Santander, to make a change. They blocked access based on both the last XXXX digits of my SSN, and the whole SSN. The response was that it was incorrect. I know my SSN. They do too, as my tax forms ( XXXX, XXXX ) arrive at my address with the correct SSN. After that I tried to access a person and got cut off. I have run into this before with Santander. They obstruct for some reason ant interaction with their clients. 
When I tried to set up this accelerated payment, they resisted my efforts, until I filed a complaint with CFPB. Then they complied. It appears to me that the only way to deal with this bank is through your agency.
Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.