WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Bank of America Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Bank of America is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Bank of America is refusing to look into this any further. 

Can you help me? 

Thanks, XXXX XXXX
Please investigate this company Loan Max XXXX XXXX SC. This company is scaming on people who are in need of help. I got a title loan for {$1200.00} in XXXX incriments and now they saying I owe almont XXXX this is n't fair they have a 300 % interest on their loans at the time of signing contract your thinking OK am going to pay this off real soon but what they feel to disclose is the daily interest on the money is what kills people and make it to where they ca n't afford to ever pay off the title loan. PLEASE HELP THIS IS CRAZY AND NEEDS TO BE ADDRESSED ASAP!!!!!!
this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit
I have been in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit bureaus.
My Complaint is against XXXX XXXX, XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX XXXX XXXX XXXX, who then sold the debt to XXXX XXXX, XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XXXX/XXXX/XXXX. XXXX XXXX, XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18
Green Tree left a message to get in touch with as soon as possible on my phone at my job. I did call them back although I was puzzled as to why they called me ... I sent my payment in on time. I called Greentree,,, the respresentative told me that their system was down ... I told them I sent my payment in because their system had been down they had not processed my payment and I needed to pay via XXXX ( XXXX ). I did pay via speedpay but I do n't think I should have since it was not my fault their system was down. I did my part and sent the payment on time
I filed a dispute with my Prepaid Card Issuer, Netspend regarding two ATM withdrawal transactions initiated on separate dates at the same ATM. During both instances while awaiting for the ATM to dispense the requested amount of funds, the ATM stated the funds were being dispensed, despite not having dispensed any of the funds requested. immediately afterwards, the ATM displayed an error message on screen which stated " receipt printer error '' which also resulted in the ATM not having provided a receipt. The first transaction took place on XX/XX/2018 for a total of XXXX the second ATM transaction took place on XX/XX/2018 for XXXX. I notified Netspend and filed a dispute regarding both transactions and slso faxed over an ATM dispute from. During my initial contact with Netspend over the phone, I verbally requested a provisional credit be issued to me within 10 days if they did not receive a response from the Merchant And also asked for a mailing address to send out my written ATM dispute form via USPS certified mail, but they stated they did not have an Address for me to mail out my dispute form and insisted I fax them the ATM dispute form. On XX/XX/2018, I faxed the dispute form to the phone number listed on the dispute form, and after 10 business  days have not received my provisional credit to utilize my funds since they requested more time in order to investigate. I also notified customer service on XX/XX/2018 and advised them I would fax it again because the CSR told me they had not received my dispute form. This is unfair and is also a violation of non compliance under Regulation E which entitles me to a provisional credit so that I may temporarily utilize the funds while they complete their investigation. It should also be taken into consideration that I have been a Netspend customer for over 2 years.
On XX/XX/XXXX17, my credit card information was compromised and used for fraudulent purchases. I was notified by account alerts about the activity. I immediately called Bank of America customer service about the activity on my account. They immediately took care of the situation and stated that a new card would be sent out. Needless to say, ever since that time, I HAVE NOT RECEIVED MY NEW CARD. I have made numerous phone calls to Bank of America, spoke with numerous customer service reps, verified all my information each time, so much so that I have lost count and I still have not received a new credit card. Instead, I keep getting letters in the mail about me needing to call them. As stated before, the first letter stated that I need to call and verify all my information. In which I did. Now the second letter dated XXXX XXXX, stating that they could not process my request for credit because of restricted access to my credit files with the credit bureaus. What does that have to do with XXXX in XXXX. I am NOT APPLYING FOR A NEW CREDIT CARD. I have had my account for years in which a lock on my credit bureau account has always been there. Way before my credit card was compromised. I have had it with talking to EVERYBODY and not getting anywhere. In addition to my account being compromised now I am being victimized by Bank of America. No one should ever have to go through this. But here I am with no new card.
Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}.
Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!
I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.
Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
I paid the car off on XX/XX/2018, the finance company was GM Financial, There was an overpayment of about $ 130+ I got a letter from GM Financial stating the loan was paid off and I got a payoff letter along with the paid contract, but NO refund check, they said I would get that latter before 30 days. They say they mailed it out at the 30 day mark, but over a week later I still do not have my refund. If I am late with my payments, they charge me a 30 day late fee, and they submit my error on my credit report. I called and asked why I do not have my refund and was told it can take 2 weeks in the mail, I can not see why this takes that long, I dont believe they mailed the check, and if they did, it only takes about 3 business days at the most. This is ridicules.
Bank of America Preferred Visa Card Dispute Department not assisting with dispute of partial charge {$220.00} of total of {$1.00}, XXXX. 

After several days after purchase date XX/XX/18 called Bank of America Preferred Visa Card Dispute Department and provided all details and needed facts and evidence provided. Charge was reversed and no follow up request from Bank of America Visa Card Dispute Department until letter received ( on XX/XX/18 ) and requesting copy of receipt instantly with demand ( by Dispute Department ) of receipt within 72 hours. Because of request to speak to supervisor about additional question was placed on hold for extended period of time- with out specking to supervisor find out if other inf. was needed.

Receipt of transaction was faxed to requested fax number same date of receipt of letter from Dispute Department ( XX/XX/18 ), with detailed description of disputed amount. 

XX/XX/18 Received letter from Visa Card Dispute Department making claim that the copy of receipt was not received. 

XX/XX/18 Called Bank of America credit card services and was told fax was received. 

XX/XX/18 Called Bank of America credit card dispute services to confirm receipt a second time and was informed that I need to go back to merchant.
An application was submitted several months ago and denied. Recently, US Bank has called to say a loan has been approved. I waited several weeks but decided to go ahead since US Bank is a reputable bank. After having to pay several " fees '' through XXXX cards, the company still has not granted the promised loan. When I requested the fees be refunded, they said they could n't until a last fee was paid. Apparently, even though I was able to reconnect with these people, they are not going to refund the amount paid or the loan. They said d it would take 45 days for a refund and yet they took the funds immediately. I want the fees refunded immediately.
I have received several phone calls from approx XX/XX/XXXX thru XX/XX/XXXXfrom in attempt to collect on a various debts that they claim I owe money for. Upon first contact they have claimed to mail out a collection letter yet I have not seen any that im aware of. 

I have requested every time that I would like verification in writing to prove that I owe the debt to this company. They have failed to do so to this date. 

I have done several disputes on my credit in attempt to remove these collection accounts from my credit and they refuse to show proof of the debts listed on my credit yet they have refused to remove them as well. 

I have also called several times over the past year on my own behalf and requested verification in writing that I owe the debt and they told me no that they did n't have to or that they could not do it for random reasons that did not make sense to me. 

Its my understanding that the law states that they have to show proof to me in writing and verify the accounts. 

The company info that is on my credit shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I believe this is the same company as XXXX XXXX XXXX Along with placing 12 items on my credit some of the items they have placed are duplicate entries that have dropped my score even lower and despite several disputes they have also refused to remove the duplicate copies of the accounts on my credit as well.
THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT
XX/XX/2018 I was scammed using XXXX. I used XXXX  because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX  dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.
I Discovered an account serviced by midland funding on my credit report that was not mine. in effort to remove it, i paid the attorney representing midland the funds. In addition, i 've asked midland for a full validation of the debt which they have not provided after asking several times. The funds were paid to the attorney on XXXX XXXX however midland is reporting as of XXXX XXXX the account is open with a full balance.
I applied for a new credit card and was declined. Once I was declined, I checked my credit report and noticed that Comenity/XXXX reported my account as delinquent. I called the number to figure out what was going on with my account ( I did in fact have an account that I thought was current ). Upon calling, I was told that my account had fallen behind and I was unsure of why when everything was set to auto-pay. I came to realize that when I moved and lost my debit card that everything was set to auto-pay with was replaced, the numbers on the card were different and the account began falling behind. My phone number is different that what the account was listed ( from what I was told ) along with my address. My address is currently XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received a call or letter showing that my account was behind -- at least to an active address and phone number. Once I spoke with the representative, I was told that if I paid the amount requested, the negative account could and would in fact be removed. 

In speaking to someone from Comenity recently, I was told that is not the case. I then requested & required that they send all communication they had on file to me for my file to my current address so that I could have record of it but got the run around stating that they were unable to do so. I know for a fact that the calls are recorded so there is no reason they could not pull the transcripts pulling my call log from last year when I settled the account and was told it would be removed. I 've also requested any written correspondence before and after the account was settled both showing what I 've owed and their follow up validating my payment, etc. I 've still not received this information and am getting the run around from them every time I call. 

When I called them today, XXXX XXXX, 2017, the automated system says that I still have an outstanding balance of $ XXXX. This should NOT be the case!
XXXX XXXX at XXXX, texas XXXX, XXXX XXXX used outdated information against me in the Texas corporate law of Texas, would not give me copy, asked to mail me one instead he change subject, tried to manipulate me, i know this i have receive a settlement on the same law violation, I told them that like he did not care ( corruption ) and working another one,,, ,XXXX is commit fraud, discriminate, identity theft or XXXX,,, he could not go back so far, not work related, not to exceed a certain amount, its clothing co,,,,, he claims he does it all the time its company policy to brake the law or bended engaging organised crime thru parties,,, the client tells him to do it,,,
Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for   XXXX   so you get with a {$35.00} fee.  XXXX  get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices
After logging into or out of my Citi credit card account, Citi had a window pop up on the screen asking me to verify my income. This happened about every other time I logged in or logged out, for a period of several months. When I first began to receive these pop up windows, there was no amount given for my income. My choices were either update my income or not update my income. But as time went on, the pop up window changed. The new pop up windows said my income was XXXX and my XXXX choices were to either confirm my XXXX income, or change my XXXX income. When the window popped up upon login, I could not proceed. When the window popped up after attempting to log out, I could not log out. 
On XX/XX/XXXX I phoned Citi, explained to the representative what the problem was, and asked for this to cease. The representative said she would send email to the proper department stating my request. 
The next day, XX/XX/XXXX, after logging in, I again received the pop up windows asking for my income. That day, I sent XXXX messages to Citi via their website, and received XXXX responses. The final response from Citi stated, " Providing the income information is optional. We have XXXX the online requests for this information. '' On XX/XX/XXXX, when I tried logging out of my Citi account, I was prevented from doing so. The same logout pop up window appeared that I had written to Citi about on XX/XX/XXXX - the pop up that was supposed to be XXXX ( along with the login pop up window ). 
The logout pop up window says the following ( and is similar to the login pop up window ), " Total Annual Income {$0.00} Examples : Salary, wages, interest, dividends, rental income, retirement benefits. If you are XXXX or older, you may include income from others that you can reasonably access to pay your bills. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Monthly Mortgage/Rent Payment {$0.00} Make Changes MY INFO IS CORRECT ''
I have been going back and forth with XXXX XXXX XXXX XXXX in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
I SOLD A XXXX XXXX XXXX IN XX/XX/XXXX FOR {$1500.00} THE PERSON I SOLD THE VEHICLE NEVER TOOK THE VEHICLE OUT MY NAME OR REGISTERED THE VEHICLE I FILE A NONOPERATION PAPER ON VEHICLE INXX/XX/XXXX THE LAST TIME I SMOG IT WAS XX/XX/XXXX SO THE PERSON COULD NOT DRIVE IT OR PUT IT ON STREET SO I FIGURE HE HAD IT IN STORAGE I GOT A IMPOUND LETTER IN THE MAIL FOR VEHICLE AND A LIEN COLLECTION PAPER I SENT ALL THE INFORMATION HAVE ON THE PERSON FROM THE IMPOUND PAPERS WITH HIS NAME CERTIFIED MAIL TO THE LIEN COMPANY LIEN ENFORCEMENT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.
On XX/XX/XXXX my loans were approved for a student loan discharge do to a XXXX. I was told by NELNET that my loans would be discharged and reported to all major credit bureas that my loans would be reported closed with a XXXX balance. On XX/XX/XXXX NelNet reported my loans incorrectlly to the major credit bureas as being defered tell XX/XX/XXXX, and reported them as, transfered. Also showing a 90 day late payment which I was inschool during XX/XX/XXXX and XX/XX/XXXX. I spoke to NELNET they said they were sorry for reporting incorrectlly and, that they would fix the issue with the three major credit bureas. They also sent me a letter stating so. I just want this fixed please, I am XXXX   and this is really effecting my credit and me. I have been truned down for medical treatment that is not covered by insurance due to NELNET reporting incorrectly. At this time I do not know what to do but report NelNet, and to contact my state attroney office about this matter.
yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? XXXX
Completed a 30 month lease with Audi Financial Services for a 2016 XXXX XXXX. 

Lease was fully paid, on-time and never late once through VW Credit ( XXXX XXXX ). 

A few days prior to the lease turn-in date, the car was impounded by the Police. 

I was unable to return the vehicle on-time and XXXX put a {$39000.00} hit on my Credit.

The vehicle was recovered by XXXX and they are in possession of the Car now. 

The pending court case got dismissed and XXXX ( VA ) County is liable for damages. 

After numerous calls with XXXX ( VW Credit ) and the Credit Bureaus this amount is still fraudulently being reported on my Credit report, dropping my FICO score by over 100 pts. 

The only charges I am responsible for are Mileage, Wear/Tear, and Deposition Fee. 

This compliant is to dispute this amount with the FTC as Fraud and Inaccurate.