WillisBack/dataset-financial-user-claim huggingface dataset:
Following are three disputes I have filed with American Express over a service I did not receive. They kept finding in the merchants favor and I would reopen the dispute. After three attempts, Amex 's last decision was that even though the Hotel that I reserved ( XXXX XXXX XXXX dates XX/XX/XXXX - XX/XX/XXXX Itinerary # XXXX, through XXXX ) did not provide me access to my room that the fee is nonrefundable. I provided letters and call logs showing the hotel had a problem where the keys did not work. After 6 times of being locked out and locked between floors within hours of arrival, and rude management who did not care or attempt to fix it, I had no choice but to check out and find other accommodations. I was charged for lodging and the hotel did not provide it. I spent hours in the garage and in the hallway and did not feel safe and that is not what I contracted to purchase. I could not get into the room. Amex is still requiring me to pay for the room. 

Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Ticket/Merchandise not received Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Not available online Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Cancelled Resolution Date : XX/XX/XXXX My cell is XXXX. 

Thank you. XXXX XXXX
Name : XXXX XXXXBank : US BankLoan # : XXXX filed bankruptcy in XX/XX/XXXX. Part of that was a XXXX mortgage ( equity line ) on my home at XXXX XXXX XXXX XXXX, XXXX XXXX KY. I am now in a pre-foreclosure status with that home. I have been working with my Primary Lender, XXXX, and they had approved a short sale. We sent in a settlement request to US bank for the XXXX lien on XX/XX/XXXX with no return calls. We have called over XXXX times with no answers. Finally we got in touch with someone and they have told us the timeline and the buyer I have will no longer be able to purchase. I Need US Bank to escalate and settle my request once and for all QUICKLY in order for me to sell my house through the approved short sale process. THEY are our ONLY hold up! 
We have had a buyer under contract this entire time over XXXX MONTHS. However, due to the delays with US Bank, our contract and short sale fell through and expired. I am going to lose my home to foreclosure and my credit beyond repair due to US Banks delays.
My mortgage was sold to LoanCare In XX/XX/XXXX. A XXXX company XXXX XXXX XXXX XXXX XXXX, VA, XXXX. I received a statement from them stating that my escrow account was increasing {$40.00} monthly due to my property taxes effectiveXX/XX/XXXX. - I sent several emails to them and provided them a copy Notice of Value for XXXX. XXXX County has assessed my taxable value for this year at XXXX. I did n't dispute this assessment. LoanCare is using a taxable value of XXXX ( purchase price ) which is more than last year ( XX/XX/XXXX) which was XXXX. XXXX XXXX XXXX who sold the loan told me that my taxes would be {$800.00} quarterly - LoanCare has quarterly taxes at {$940.00}. I called the County Assessor and spoke with Appraisal department and went over the math with them and informed LoanCare on all of this and requested a Advocate that their website claims to offer for assistance. They responded stating that my documentation was not sufficient and no action will be taken and the ticket numbers ( s ) are closed. They are requesting the tax bill but they are aware that they do not send them out until XX/XX/XXXX. I should not have to pay the initial escrow - for them to hold my funds and as the previous year ; just to send me a check for over {$600.00} because I have an overage in my account. <P/>Your assistance and cooperation is greatly appreciated.
I made a series of payments in the {$250.00} range and PNC bundled them together when they posted, making it impossible for me to accurately reconcile my account and track my payments. I filed a CFPB report on XX/XX/2018, and the company responded on XX/XX/18 by providing me WITH THE EXACT SAME DATA that I already possess -- the data that I am attempting to clarify. My issue is not resolved.
Over the years, by Nelnet, I was guided to forbearance without a clear understanding of the consequences of interest capitalization. I was told that my loan is simple interest. Even though I am financially prudent and astute, the true meaning of interest capitalization just became clear. 

My credit score went down 50 points from XX/XX/XXXX to XX/XX/XXXX, because my student loan debt increased. When I contacted Nelnet today, XX/XX/XXXX, for the first time, interest capitalization was clearly explained. Interest capitalization is the reason my loan debt increased, and my credit score decreased by 50 points. 

Also, Nelnet lost my Loan Forgiveness application for {$17.00}, XXXX. The forgiveness process, including when the application was lost and resubmitted, took from XX/XX/XXXX until XX/XX/XXXX. Nelnet accrued and capitalized interest during the time the application was lost and while the forgiveness process completed. A Nelnet adviser said today, XX/XX/XXXX that interest accrues at {$4.00} a day so for the approximately 6 months the process took from submission, being lost, and processed the accrued interest is approximately {$830.00}. 

Furthermore, I received two almost identical letters regarding a single forbearance. One letter was dated XX/XX/XXXX and the other XX/XX/XXXX. The 1st letter said the estimated interest to accrue was {$.00}. The second letter said accrued interest was {$4900.00}. Scanned copies are attached. 

Additionally, on XX/XX/XXXX, a Nelnet adviser said that my 10 year loan repayment was {$170.00}. After checking my account today, XX/XX/XXXX, I discovered that the payment term is 233 months instead of 120 months, is {$190.00} instead of {$170.00}, and I could pay more than {$20000.00} interest on a {$25000.00} debt. 

I need to make much higher payments to avoid further interest capitalization financial damage. This appears unethical.
I started with this mortgage company in 2007, after the death of my husband. Since I have been with them they have refused to refinance this adjustable rate mortgage, they are adjusting it more than every 12 months. Plus the company has changed their name XXXX times. They have not sold the loan, they have changed their name. It started out as XXXX, then they changed to Vericrest, now they are trading under Caliber Home Loans. Since I have been with them, they have charged late fees unsubstanciated. They never put an amount on any of their statements or their website as to how much the late fees would be, If I paid the mortgage on a Friday via the internet, it would not post until that Monday to my account. If Monday fell on the XXXX or later, they charged a late fee. I questioned them 2 years ago about what their late fees are, and how and when they were charging them. They sent me a breakdown from their own records, that showed XXXX lates on my record, but they have me owing them {$390.00}. Whenever I asked to speak with a manager they were either never available or someone would identify themselves as the manager, state they would look into it, and never call or write back. They also reported me late to the credit bureaus several times { I think to justify not refinancing me }, but eventually had to remove it from my report. It has been exhausting dealing with this company, the Attorney General 's Office has advised me to get an attorney, as well as contact your department for assistance. I have every monthly statement, as well as correspondence from them since 2007. I will attach the important ones, and hope something can be done. The last supervisor I spoke with there told me it was perfectly legal to charge a late fee if they do n't post a payment before the XXXX, no matter when I pay it online.
please find attached the documents for disputing inquiires i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX  ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.
I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.
Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.
I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out. 
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done. 
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me? 
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded. 
Yet I've been refused once again at the fiscal XXXX county building here in XXXX   ohio.
Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.
On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer.
I submitted a response to Experian 's response, which did not address my complaint, to a Consumer Finance rep over the phone on XXXX XXXX but I could find my response online, it was not available. I called Consumer Finance to inform them it was not there and I was told it was and they would mail my response to me. I received it today and my response on XXXX XXXX is still not included. The only items showing XXXX XXXX is your automated Consumer Finance response at XXXX and the same automated response again at XXXX, your auto Consumer Finance response shows twice. Mine is not there. Was my response that i gave over the phone to your rep n XXXX XXXX not recorded and posted, please? 
Thank you.
Midland Funding LLC is sharing information that is inaccurate with XXXX XXXX, XXXX, XXXX, and XXXX XXXX. On all XXXX agencies they are saying that a XXXX XXXX account was opened on XX/XX/XXXX. The account was opened on XX/XX/XXXX per XXXX XXXX. Midland Funding , LLC is trying to make it seem like its a newer account. I 'm still working with XXXX to get to the bottom of it. I did not open an account with XXXX until XX/XX/XXXX. Midland Funding , LLC is reporting the incorrect information on my credit report, and should be removed or changed.
Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.
I received a phone call on Tuesday from F & M capital stating that I owe a past due amount to XXXX  University in XX/XX/2014. They stated XXXX XXXX paid for my tuition and I had to pay either a lump sum of {$3500.00} or the Full amount {$5100.00} in monthly payments. I wasn't comfortable giving them my information. They sent me a enrollment form to my email, However the address and zip code didn't match. They called me from 3 different numbers. ( XXXX  ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX   called me this morning stating that he is from XXXX and that he would summons me in 48 hours. ( XXXX ) XXXX.
i bought my XXXX sunglasses on XX/XX/2017 from the store in XXXX mall and they did not fir so I returned it on the same day.Sales associate did not have a replacement so she put the refund back on the gift card and she used it to order them online on the same day. The ones I got from the online order did not fit me either so I returned them on XXXX XXXX and I have a receipt and I told the sales associate to put it back on my card and she said she did. Now after a month I got a bill with a balance and I called them and they said they will fix it, but they did not until the due date so I paid the minimum balance twice at a total of XXXX dollars. After two months they did not resolve it and keep giving me different answers like it is wrong receipt or sunglasses and even after closing my account they wont resolve the dispute. Now they tell me that I dont have to pay anything or late fees and they will investigate, I keep waiting but they dont give me a actual response. Please help, I don't want my credit score to get affected.
XXXX   XXXX   is fraudulent someone used my i.d that knew me.
On XX/XX/XXXX I went to my bank ( Key Bank ) and ask them to E.T.F. {$550.00} from my checking account to my landlords bank account ( XXXX XXXX ). My landlord provided my bank with her account information but XXXX XXXX the Relationship Manager for Key Bank wrote the account number down missing one number so he sent a check out onXX/XX/XXXX. To date the money was taken out of my account but the landlord or her bank has ever seen this check. On XX/XX/XXXX my landlord, her bank ( XXXX ), myself, my bank ( Key Bank ) all got together to find out why this money was not deposited into my landlords account and it was discovered that XXXX XXXX errored in writing down my landlords account number and that a check was sent out but no one knows where it is now. I went to my bank and personally talked to the bank manager and explained the problems this was causing me late fees on my rent damage to my credit and that I am now in jeperdy of getting a eviction notice. The bank manager said he personally would cancel the check and credit my account that day so I could withdraw the money to pay my rent but to date that has not happened. Additionally, when I first opened the checking account I got on line and received a promotional code for {$200.00} for opening the checking account with Key Bank and was told I would have to go to a key Bank branch office to open the account because they needed to see my I.D . card and social security card XXXX said his computer was down that day so he went into the bank manager office to record the promo number so he could take care of it latter. Latter never came and when I questioned him about it he said he couldn't find it and left it at that. I'd like to get that promo reward
My client was forced to move to a higher level of healthcare and has a reverse mortgage on her home. We requested the servicer allow her to short sell since the home value is less than owed. We have been working on this case since XXXX of 2016. The servicer uses every excuse to avoid the review and after providing all they ask they continue to delay the review.
My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?
XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX  XXXX. <P/>XXXX XXXX XXXX XXXX XXXX
I 've reached out to Aargon Agency inc to validate a debt they claim i owe. I sent a letter via certified mail twice. Once in XX/XX/XXXX and again in XX/XX/XXXX. As of today they 've failed to validate this debt and it is hurting my credit report. The amount is reporting for XXXX The original creditor is XXXX XXXX.
In my Equifax Credit Report, under hard inquiries, they list XXXX XXXX as having made a hard inquiry. Under national credit cards.I did not authorize this hard inquiry, and suspect it may indicate fraudulent usage. They list it as having taken place on XXXX XXXX, 2018.
I have asked IMC Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$5400.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.