WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint dated XX/XX/2018 against a charge of {$400.00} drafted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The US Cards requested further documentation which was duly furnished. XXXX of the documents requested by them was a letter from a auto repair shop documenting the poor quality of services performed by XXXX XXXX XXXX XXXX XXXX. The document from XXXX XXXX XXXX XXXX XXXX enclosed here is evidence of such poor service. 

Vide their Letter dated XX/XX/2018, The US Card Co. declined to reverse this charge, although all evidence requested by them was duly furnished. 

By refusing to act, US Bank is encouraging bootlegging and money laundering activities by entities like XXXX XXXX XXXX XXXX XXXX, which holds no auto repair license from the California

Bureau of Automotive Repair. Their illegal activities pose a grave danger to public safety and well-being. The US Bank may be asked to permanently reverse this charge of {$400.00}. All relevant documentation will be furnished on request.
Capital One hid from me the fact I would lose XXXX airline miles when I cancelled my $ XXXX membership Capital One card ( to get double miles ). Three days later, I realized I had n't redeemed them and called. They were sorry but the account was closed. But, they could offer me {$1100.00} or XXXX equivalent points for hotels thru XXXX. I took the latter. However, upon redemption of my " points, '' identified on the card in dollar amounts I discovered any balance or remainder was forfeited or lost. Using a {$200.00} card, for example, if the charge was {$90.00}, I lost {$110.00}. The remainder was forfeited by Capital One/XXXX without my knowledge or agreement. 
These XXXX companies have attempted to defraud me of approximately {$600.00}. 
Fortunately, XXXX CC is aware of these companies. 
Fundamentally, the equivalent value is somewhat skewed. 
XXXX airline miles, taken from me without my knowledge, is worth much more than was was offered me by Capital One. 
They have defrauded me along with their partner, XXXX. 

To add insult to injury, XXXX, partnered with Capital One, have charged my credit card account for additional funds without my knowledge or approval. 
As soon as I notified my CC company, XXXX, they almost chuckled as they immediately agreed with me, fraud. 
No questions asked. 
Apparently these XXXX companies have a reputation for this sort of thing.
I am a victim of identity theft. I am writing to request that Transunion  Consumer Relations  block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
I signed contract for XXXX membership in XXXX XXXX, after 5 and half hours revising the term, XXXX forgot to write my address in the contract so they added the address in the contract after signing the revised contract, after getting to hotel I realised the contract is not in English and my two down payments transactions {$2800.00} and {$320.00} ( {$3100.00} ) is only {$2100.00} so next day I called XXXX to cancel the contract I was told to Dispute the charge and after getting the dispute from your bank we will cancel it so I disputed the charges on X/XX/2017 with Pentagon credit union and on X/XX/2017 submitted exhibits and drafted a letter explaining the situation via email to my bank, since then my dispute still in que and still nobody was assigned to it usually after submitting the Dispute in two days with name and phone number of person and within 10 days I get previsional credit and the dispute it may takes 30 days to resolve but according to Pentagon credit union had merger with other banks and they are backed logs and my dispute is setting there with nobody assigned to it ( X/XX/2017 ) and this is violation of our terms with Pentagon credit union, the bank canceled the credit card and issuing another one due to thinking that XXXX is commiting fraud because I paid {$3100.00} but in the contract only showing {$2100.00} and term is written in XXXX and XXXX are waiting for my bank to submit the dispute to cancel the contract, but no dispute had been send to XXXX yet.
My wife and I moved out of out of   XXXX   XXXX   last year. The apartment company claimed that they wanted more money to cover cleaning fees for the unit, however it was in good condition when we left. In addition, we had the unit professionally cleaned and provided  XXXX  with a copy of the receipt. My wife began communicating with  XXXX   XXXX  via email to resolve the discrepancy, but  XXXX  stopped responding to our emails in  XXXX . We received the move out  XXXX  final account ) statement on   XXXX   XXXX    We responded stating that it had appeared that we had been mischarged and pointed out the discrepancies. We received a response from  XXXX   XXXX  stating that they would review and revise and get back to us. They never got back to us. After numerous email follow ups, we visited the leasing office in person and spoke wit  XXXX   XXXX   XXXX   who assured us that   XXXX   would respond, but we still never got a response. We began receiving notifications from a generic, no-reply email alias from  XXXX  and tried to get in touch with them again about the errors, but received no response. Now we see that they have sent us to a collections company without even bothering to address our concerns. In actuality, based on our calculations,  XXXX  owes us a little over {$70.00}, but we were willing to forgo that amount if we could stop wasting time dealing with this issue. Now we hear that the collection agency has been harassing my in-laws for a debt that we have clearly disputed. The agency continues to call my parents-in-law about me ( not even my wife! ) and will not relent. The collection agency has yet to make phone contact with either of us directly, even though  XXXX  would have provided our contact information to them, and makes improper contact to individuals unassociated with this matter.
XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, Equifax, and XXXX, asking for validation of debt, upon the 30- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX XXXX XXXX XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
In XXXX we lived in XXXX Apartments. My husband XXXX received military orders to move to a unit in XXXX. Per the military clause in our lease agreement we needed to provide the orders to the leasing office and give a 30 day move out this ensures the lease would be terminated properly without additional money being due ( i.e re-letting fee ). I followed the exact process and my move out was approved. During my final month in the apartment as I was packing I received a knock at the door it was the Sheriff bringing eviction paperwork. I informed the sheriff I was moving due to a PCS ( permanent change of station ) ordered by the military and he instructed me to go file an answer with the courthouse. I did just that. I brought the eviction paperwork from the sheriff, our orders, & the letter from the apartments approving the move out and the case was dismissed and we were allowed to continue our move out as scheduled without harassment. At the end of the month my family left the apartment turned in our keys and continued on to XXXX. XXXX XXXX 7 months from the courts dismissal the apartments were used as a reference on an application for a new home we were interested in renting, we were subsequently denied because a report was sent to the property management company saying we broke our lease. Needless to say I contacted the apartment and was told by XXXX XXXX that she was referring us to a collection agency and would not send us any documentation on how or why we owed money. Since that time we have been trying without resolution to get answers and get this debt removed. This debt has destroyed both mine and my husbands credit. I believe due to my personal history with XXXX XXXX that she decided to furnish false documents to hinder us from being able to rent anywhere in the state of XXXX. I believe this to be the product of malicious intent because again we followed the law, the case was dismissed and nothing was ever reported until after we needed to use them as a reference. To date, we have been denied credit, apartments and a mortgage loan due to this action and on top of that our score has plummeted several points. I will also add the eviction that she attempted to do she knowingly lied on court documents stating that we were not affiliated at all with the military. This past weekend I stopped by the apartments and was able to get a copy of our " charges '' and found that the information included damages, furniture removal, eviction fees and reletting fees. This could n't be further from the truth. My court documents substantiate the false claims.This complex specifically XXXX XXXX is doing this for her own vindictive reasons and she should be held accountable.
I Have been trying to work with my loan company JP Morgan Chase to save my home from foreclosure for about 5 years. I have been sending in all of my paperwork that they have asked for and kept being told that it was with the underwriters and than after a few months they would tell me that my paper work expired and that I had to resend it back in and start all over again they kept doing this over and over. They also told me not to make my mortgage payments that they would not except them. I have done everything they asked of me and I recently let them know that I had a increase of income to our household due to my XXXX brother coming into my care after the death of my mother. When they seen that they suddenly informed me that even with the increase of money they could not help me save my home and that it was going up for foreclosure on XXXX XXXX, 2015. Than today I was informed that the sale date of my home was being moved up to XXXX XXXX, 2015. I have tried working with them on this issue from the start and have done everything they have asked me to do.
Re : Cheat on interest calculation I paid down my mortgage principal XXXX/XXXX/17 and they continue to charge me the same interest amount from XXXX to XXXX without the deduction of XXXX. I called them and find out they do this for all their customers and they did this for years. This practice needs to be corrected.
This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of EducationXXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information  updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
, Department of Education/XXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
I have a unsubsidized Stafford loan from college of {$7500.00} that I did not receive any communication about for nearly six years while I was in XXXX XXXX. Then I get a letter in the mail after six years of no communication stating that I owed Nelnet an extra {$3500.00} in loan interest. Had I been reminded of my loan status or amount of loan interest, I would have begun repayment earlier and not incurred as much interest.
XX/XX/2008 XXXX XXXX  court shows a balance of XXXX for a child restraint ticket. I contacted the court and was told this was paid in full XX/XX/2008. This report should show no balance and clear.
Wells Fargo has a loan on my credit report stating that its a charge off. However, the account was settled. I have tried to dispute it to no avail
I made a payment on X/X/17 in the amount of {$2200.00}. When I checked my account on the following business day I had noticed that the payment was still not posted to my account. I immediately contacted customer service for capital one. When I spoke to the representative they informed me that there will be a 5 day hold on this account because of the amount of payment has never been made from this account before. I asked them what does the amount of me paying my balance have to do with them placing a hold on my account. The represenative told me this was there policy. Then on X/X/17 I contacted capital one again because I noticed the money had been debited from checking account with my bank. I inquired why they had taken the money and still not updated my available credit line. The represenative once again told me that this is there policy and this would have to be verified through the bank. I asked them why they would debit my checking account and not make my credit line available. The represenative informed me that this would take 5 days to resolve and could not offer any other solutions. I feel there business practice is unfair and really should not treat good customers in this fashion. I was attempting to decrease my account balance and this is the treatment I received after being a loyal customer for the past 5 yrs. The  represenative was very eager to close my account and continued to ask me over and over again did I want to close the account. The represenative name was ( XXXX ). I told her that I really want to close this account but I am fully aware that closing a credit card decreases your credit rating. I would like to see my credit line available to me and never have to be treated and such a disrespectful fashion. The represenative even insinuated that this may be fraud and questioned if I was the actual account owner of the checking account. This was very insulting and humiliating.
I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX notes to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.
I received a payday loan from this company.I notified them more XXXX days in advance as they only require XXXX days notice by email and I also called.I asked to be set up on a lower payment of {$50.00} because my hours at work were reduced dramatically and I also notified them that they did not have my authority to deduct any amount in any form from my checking account.I was denied and was told that my only option would be to pay it out. If I could do that, that would have been done.This company is going to deduct from my account without honoring my request.
I received a loan in the amount of {$600.00} XX/XX/XXXX. I have been making payments of XXXX each paycheck. On XX/XX/XXXX I called about paying it off they said it was XXXX to payoff but I wasn't able to pay that day because it was after the processing time. I called on XX/XX/XXXX and I was told I couldn't pay off my loan until XX/XX/XXXX and the amount will be XXXX to pay off. This is after I have paid XXXX, XXXX coming out of each check XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX. That's a total of {$1400.00} on a {$600.00} loan. I was not told about daily fees and you have to pay on certain days because a certain time. They are a loan rip off.
I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.
I sent Experian a letter disputing several accounts on XX/XX/XXXX and XX/XX/XXXX, just to receive a letter stating my disputes seems suspicious and aren't coming from me. Well who are they coming from?! These inaccurate accounts reporting on my credit report is causing it difficult to get any loans. I have tried to contact Experian buy mail and phone several times with no help! I'm a XXXX XXXX, who work long hours and different shifts, that doesn't have time to sit on the phone for long periods of time with Experian!
I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX
I went to Macy 's Department Store to purchase sunglasses. I rarely go to Macy 's and I did n't have my Macy 's card so the cashier looked up account by asking for my social security number, if I recall correctly. I was able to make the purchase and also some cosmetics. I made payments using my XXXX XXXX Bill Pay. 

Later I recieved a bill with multiple fees and was recieving multiple calls urging me to contact them regarding my account. When I called they said my payment went to the wrong payee, my Macy 's card, and they would arrange to credit the payment to the new American Express account. I told them I never applied for a Macy 's American Express card, and realized the cashier must have opened the account. 
The customer service person stated they would reverse all fees and transfer the payment to the American Express account. 

I requested the original purchase details and amounts and questioned the balance, after fees were reversed, minus my payments. The representative agreed to correct the balance due amount to reflect the amount I calculated. I decided to pay off this balance in full and resolved not to shop at Macy 's because I do not trust their billing practices. 
I continued to recieve calls and billing statements. I called to clarify my bill, stating that I paid it in full. The customer service person reassured me that my account was indeed paid in full. 
Still I continue to recieve multiple calls per day from 'Macy 's ', and statements that show mysterious fees and 'purchases '. 

I do not want to call again because I am afraid it 's a scam. 

Should I go to a Macy 's store to speak with a manager? I think they may just refer me to the electronic or phone billing department, which is not trustworthy, in my opinion. Also I need to address the fact that they opened an American Express credit card without my knowledge. They sent me the card after the fact. I have not used this card, but keep it to resolve what I believed was a purchase on my Macy 's card for the original purchase of sunglasses and cosmetics only. 
Kindly help me resolve this problem with mysterious fees and charges mounting on this Macy 's American Express account. I can provide amounts and dates if requested. I have a file with the bills and notes on phone conversations.
I have an 18 month payment plan with Navient, that is payroll deduction for {$190.00}. The payments come out on the XXXX and XXXX of every month. 
Somehow for the month of XXXX, my payment came out on the XXXX and the XXXX instead of the XXXX. Navient sent this to XXXX XXXX saying that I had missed a payment and it drop my credit score. Now, they received payment for the XX/XX/XXXX 10 days ahead, but they still sent this in on my credit. I have never missed a payment with them and I want them to clear this up with my credit. Out of all of the suits, they still can not get their stuff together. If you check my payment history with them I have never missed a payment or been late. And they will hassle the XXXX out of you. I called them today and you can never get a straight answer. This is another scar on Navient for the headache you have to go thru in order to make your payments. Even with all of the Lawsuits!! Help me to get this off my credit and we will start over again, until something else come up. 
Thanks!