WillisBack/dataset-financial-user-claim huggingface dataset:
I bought two XXXX XXXX ( XXXX ) tickets through XXXX ( XXXX ). One for myself and one for XXXX years my granddaughter. I disputed the transactions as XXXX cheated about ticket price and their agent fees and also seat selection. XXXX resolved seat selection and I withdrew my disputes. 
XXXX split the PNR and cancelled my grand daughter ticket without any notice. They compelled me to book another ticket for my grand daughter at higher rate. BOA credited my first payment for my grand daughter but later they charged me again. 
Again XXXX played " dirty '' business and XXXX XXXX failed to provide the services. I again disputed all tickets and agent fee. 
BOA charged me tickets that XXXX XXXX cancelled and refunded. BOA charged all agent fee though it was so obvious that it was a BIG FRAUD. 
Fraud team of BOA, XXXX XXXX and XXXX have been harassing me since XX/XX/2017. Instead of listening and resolving BOA is charging me interest for one ticket. ( they debited two tickets for one XXXX years girl ). 
I visited BOA center in my area, the local officers also got convinced how one passenger can fly on two air tickets?? But BOA head offices have shut down their wisdom to fix their mistakes. 

The supporting documents can be viewed at XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information. 

Looking forward to resolve the issue. 

Thank you, XXXX XXXX
I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX
Spoke to the orginal creditor of the account ; XXXX. They confirmed with me on XX/XX/XXXX that the account has a XXXX balance and was sent to XXXX XXXX   in error. They provided me with a reference # XXXX and advised they would inform the collector that the account was paid in full in XXXX. The collector has since removed the negative remark from my XXXX  credit report but added to my XXXX credit report the following day.
Yes thank you! .. Ive been trying to pay on the phone as XXXX compass bank said _last month that they had an internal/technical problem with the XXXX app.. however my complaint is I tried to pay with my XXXX bank on my current account _this month before the due date ( & previously ) as usual.. 
Recording ; _no operators available to take your call! _ Ive tried now three days and get a recording to leave my telephone number for _call back when they arent so busy__ I did <ph # can only leave it once> this is crazy.. now a late fee?
United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX.
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by XXXX, Transunion and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
I had my mortgage with XXXX for 10 years. They sold my account in XXXX to Specialize Loan Services ( SLS ). I was to begin making my monthly mortgage payment to SLS XXXX XXXX, 2015. I called them to verify the amount was the same and to make my first payment over the phone. They could n't accept my payment because their system was down. A few days later I called back to make the payment and was told they could n't process it because they did n't have the rest of the paperwork from XXXX. They said they were waiting on the terms from them. SLS told me they would call me back to accept the payment. Two days later after not hearing back from them, I called again and left a message for my agent to please all me back. I called XXXX, explained to them the situation and was advised by them that everything was " signed, sealed, and delivered '' in XXXX. XXXX told me SLS has everything from our loan. Three days later after no word back, I called SLS yet AGAIN and insisted I speak with someone that would accept my payment. I was again told they were waiting on the rest of the paperwork from XXXX but assured me I had 60 days from the start of the new service with them to make my first payment. They told me I would n't receive any late fees or negative credit reporting. I told them I still wanted them to accept my payment. They said they would have to put it into a suspense account until the loan was finalized. I gave them my bank account info and authorization to deduct my monthly mortgage payment. Upon my request, they said they would email me what was discussed confirming they had not yet received the paperwork from XXXX, their was a 60 day grace period ( which I do n't want ), and they accepted payment that would be placed into a suspense account. Here we are 2 days later and not only have they not emailed me, they HAVENT DEDUCTED THE MONEY FROM MY ACCOUNT! I am very concerned as we are quickly approaching a new month. Several online reviews warn about SLS not accepting payment and instead wanting to force homeowners into foreclosure. I ca n't comprehend this. Please help!
The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.
A Company called Portfolio Recovery has done all of these things. Contacted family in other states, contacted employer, threatened me, calls multiple times a day from different numbers, wo n't tell me what this is for ... .etc ... ..FOR SEVERAL YEARS!!!! 
Please stop them.
Damaging credit without fdcpa compliant notification. No contact ever with this outfit only credit score damage continuing month monthly.
I was offerred a balance 0 % balance transfer and transferred {$6000.00} on XX/XX/XXXX. Terms and conditions offer 5-7 business days. When it had not posted on after the XX/XX/XXXX, I called to ask that the request be voided and was told that the funds would post the following day XX/XX/XXXX. A week later it still had not posted and Discover admitted this had 'been mishandled at every step. ' The {$6000.00} had already been debited from our account so it could not be reprocessed until they 'found the original {$6000.00}. ' The process required a total of 35 calls, most with the executive office who left me 2-5 voicemails a day requiring me to call back. Throughout, my bank, XXXX offered to speak with Discover to get the funds transferred electronically and immediately and even offered to cover expedited shipping of a paper check as our account was now overdrawn but Discover refused all of XXXX 's efforts to resolve quickly and the process took an additional several weeks. 

For the first time in our lives, we bounced a rent check, a health insurance payment, and even a check to one of my employees with substantial fees for each. Worst of all, our bank is now holding all deposits for 7 days because of the overdrawing that occurred and will continue this policy for 6 months or until we have no further bounced checks. 

In short, we planned to have the {$6000.00} in our account after Discover provided the date that the funds would be available and when the funds became 'lost, ' we assumed Discover would be reimbursing those fees if not for the 7 hours of time on the phone this has now cost us. Their refusal to work with XXXX to resolve quickly was unconscionable as well. 

It was only today that the executive office notified us that they believe this is an acceptable customer service experience and will not be providing us with even a courtesy credit for our time nor will they cover the fees incurred because of the blatant misinformation provided by their reps.
I had an account with XXXX and did a Change of Financial Responsibility and the company is attempting to collect a debt. 
They have sent me to a 3rd party debt collector after receipt of my request for verification and validation. 
A debt is a financial responsibility.
I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks
Made purchase XXXX : XX/XX/2018 about {$2600.00} Their advertisement is no interest 24 months payment over {$1900.00} purchases. 
Realized in XX/XX/2018 that my promotion period is only 12 months. It is stated in the statement. 
I called XXXX first and I was told to call the bank. 
I called the XXXX XXXX XXXX, they said they can not do anything after 60 days of transaction. 
This is an " false advertisement " and " consumer fraud '', PERIOD! 
Supervisor in the bank, told me that it was my mistake that I didn't check my statement or didn't catch the error. Basically answer was XXXX forwarded them my purchase as " 12 months '' promotion. 
Why would I, as a consumer, be responsible, if they made an " ERROR '' and put me on 12 months plan instead of 24 months. When I first placed my order, I checked for 24 months of no interest financing. 
I believe this is systematic process ( or error ) and PLEASE STOP THESE COMPANIES AND BANKS TAKING ADVANTAGE OF CONSUMERS.
I am having problems with opening checking account online with Bank of America, i am not seeing any problem that may prevent Bank of America approve my online request for opening Core checking account. 

Application numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the Exchange Credit Program. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW XXXX. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XX/XX/XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with AAFEES but is a third party debt collector. See attached screenshot.
Santander USA, was hidden that this was a simple interest loan. I pay early and every week and only XXXX has been taken off my loan in a year and a half. 24 % or more interest rate. Charged to make payments. No phone calls every month are documented when I call to question the fees and nothing has been done
I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.
For three days I have been trying to get connected to XXXX to place a credit freeze. Their web site for this specific action does not load and their telephone numbers provided on the web sites go to automative systems that go dead when you get to freeze options. Tried to get to an operator by finding a brick and mother location and phone number. This just results in them sending be to a special services line ... .where I have been on hold yesterday for 1.5 hours ; and today I gave up after 20 minutes.
This feels like they want to prevent folks from putting on credit freezes. Note I have had no trouble with XXXX or XXXX. If it is not a strategy, then I question their business model and ability to effectively manage information on me ( for which I have had no choice ). Now I will write my congresswoman and senators.
I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. 

I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.
In XX/XX/XXXX or XX/XX/XXXX I borrowed a signature loan from a local XXXX company. This account has gone into collection. I have been paying on this account through a consumer debt company. To date I have paid {$680.00} which I have statements to prove. My credit report shows open balance of {$1400.00} on my credit reports with XXXX. Under the provisions of the Fair debt reporting act they should be held accountable or delete the incorrect information.
To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. 

I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). 

Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.
My name is XXXX XXXX, SS # ***********, I was receiving a down graded report from mostly all creditors, down grading my credit capacity, and stated that their was an adverse action or issue on my credit, so I order for a copy of my credit report, lord on behold i saw a XXXX stating that i owe XXXX {$380.00}, This same issues have been debunked, and has been removed from my account three times now by Trans Union, this company always put this in my record every other year for what I dont know, i have not been with XXXX for more than 10 years now, and i have disputed all of their charges with proper documentation, and i thought it was behind me. and I told Trans union that these people should not be allowed to mess with my account again, but now they were still able to do it over again, and was allowed, and their respond this time states that it was verified, and that it will stay on my account for some years, This same credit company has removed this from my account 3 times now they stated is verified, and they never showed me their verification, the The credit bureau has messed up my credit rating by allowing this company to keep coming and going out my credit report to mess up my credit rating, I do not owe XXXX a penny, at the time i was with them i upgrade my old phone, but after i received the phone it was not what i expected and i returned it to their store with 2days of receiving the phone, and they kept charging me for the upgraded phone which i have returned to them i send them the receipt that showed that the phone was returned to their store still they kept charging, so I cancel my contract with them. now after over 10years they still continue to claim I owe them which i did n't. 
now the collection company send me a letter that they will stop the collection action, but the credit bureau still did n't remove it out of my record, This is total injustice, that this bureau can allow this company to go in and out of people record with no credibility to substantiate their claim nor a court judgement. Please check my credit record I am 100 % in my payment history never been late nor skip payment.
I start attending XXXX XXXX XXXX XXXX XXXX College fall XX/XX/XXXX and continue to spring XX/XX/XXXX. I completed the In school Deferment Request for both semesters, yet Nelnet continue to bill me while attending school. I paid on my school loan during my deployments, when I did not have too. Do not understand way Nelnet is ignoring my request for deferment. I must return to school because I need to obtain more education to increase my chances of obtaining a better paying job.
XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.
I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it.