WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute to American Express in the amount of {$5000.00} for a charge that was not authorized. The first response back to me from American Express ruled in favor of the merchant ststing that they provided proof that I made this transaction This merchant had submitted handwritten falsified information to AMEX including forged signatures and adding my name to invoicing. I was able to obtain the original paperwork that was submitted to American Express and to my attorney. The documents submitted showed that all correspondance and billing from this merchant in the past was never handwritten and printed from a computer system. I have made transactions with this merchant in the past where I was present, but that was not the case here and AMEX 's policies clearly state " American Express Cards are non-transferable, so they ca n't be borrowed or loaned " I had authorized a transaction on XXXX/XXXX/2016 in the amount of {$4600.00} to help my partner and I was present every time there has been a transaction. There was a warranty of XXXX or XXXX miles with that transaction and the reason that the car ended up back at this merchant was due to their equipment failure that should have been covered under the warranty. There is paperwork attached stating that {$0.00} balance was owed and then when the vehicle was being picked up the merchant tried to bill {$13000.00} without consent before the vehicle was completed which is illegal in the state of Florida. It states directly on all of their paperwork that customers must receive a written estimate if the final bill exceeds {$100.00} and estimates were not provided until the day that the vehicle was complete and ready for pick up ( merchant attached forged copies and you will notice that the date on those copies is the date of the alleged transaction ) I refused to pay and the merchant locked me out of the store, so I did not make this transaction. After resubmitting all of the proof ( documents ) to American Express they are still tying to make me pay for something I did not purchase.
On XXXX XXXX,2017 I went to XXXX XXXX XXXX to pay my monthly bill of {$170.00}. Once inside, the man had trouble processing my debit card. On the 3rd try, it finally went thru. I then went to XXXX to buy groceries for supper and my card was declined. Needless to say i was ticked because i knew i had available funds in my account. Then it occurred to me that the monthly fee at the storage facility might have hit my account 3 times.I went home, got online and printed a transaction report which indeed did show that Wells Fargo hit my account 3 times for the {$170.00}, an overcharge of {$340.00}, and a negative balance of {$110.00}. I went back to XXXX XXXX XXXX and explained what had happened. He checked their computer records and it showed that they had only received the one payment. We then got on the phone calling the customer service telephone number on the back of my debit card. After waiting some length of time and repeating my information 3 times, I finally was able to speak to someone in the claims dept. He checked my account and also saw the 2 additional charges of {$170.00} each. He said that he would have it credited to my account in about an hour. Thank you, this happened.
Yesterday I received an email from Wells Fargo that my account had reached a XXXX balance or less. I checked my online statement and they had reversed the credit of {$340.00}, giving me a negative balance of {$290.00}. My online statement only showed the one charge of {$170.00} and a credit of {$340.00}, thus, they reversed the credit. The guy in the claims dept. saw the overcharges in XX/XX/XXXX. If he did n't, why would he give me the credit in the first place.
I called the Wells Fargo customer service line and received the same answer over and over that only one charge of {$170.00} and the credit were shown. That 's not what happened.I was speaking to an argumentative and deaf ear! I then went to the XXXX XXXX XXXX branch of Wells Fargo and spoke with a banker who gave me the same answer. It did n't matter that I showed her the transaction report that she never looked at lying on her desk. Another deaf ear. I guess she was n't too concerned since it was n't her money.I am on Social Security and this {$340.00} is 1/3 of my monthly income. I guess " Customer Service '' is truly dead. Computers are only as good as the people who use them and the software they are using. Mistakes happen and this is one of them! It may not have posted on your end, but it sure posted and deducted on my end! I have never had to deal with an issue like this in the many years I have been with Wells Fargo/Wachovia and treated with such indifference. Maybe time for a change!
I have several inquiries been reported on my credit report that I did not authorize from my understanding you have to be given a written authorization for your credit to be pulled of which I did not give any company to pull my credit report of which at the time I had a credit freeze on my credit .Under the fair credit reporting act usc1681g I have the right to demand that you disclose to me all of the documents that you have recorded ans reatained in your file at the time of the request concerning the inquiries that are reporting in my credit report please do n't respond to my request by saying that these inquiries have been verified .Send me copies of the documents that you have in your file that were used to verify them if you do not have any documentation in your file to verify the accuracy of these disputed inquiries then please delete them immediately.Section 6115 a of the fcra you are required to promptly DELETE information which can not be verified the law is clear to civil liability and the remedies available to me for negligent compliance Section 617 if you fail to comply with this federal law I am a litigious consumer and full y intend on pursuing ligation in this matter to enforce my rights under the FCRA
On XX/XX/2018, CBNA inquired into my XXXX and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
I closed a personal checking account with XXXX XXXX XXXX in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with XXXX XXXX XXXX, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to Experian. 

I telephoned XXXX XXXX XXXX, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to Experian, I had received XXXX communications from XXXX XXXX XXXX. 

As a result of my contacting XXXX XXXX XXXX in XX/XX/XXXX, they  closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need XXXX XXXX XXXX to remove the negative credit activity from my credit report. 
I submitted a dispute via Experian, and XXXX XXXX XXXX simply reported that the account is closed. 

I need XXXX XXXX XXXX to correct its mistake which it compounded in so many ways, and repair my credit report.
I have a Capital One card that I set up automatic payments on. Some how the payments were only made for the first month and they deducted twice the amount that was supposed to be deducted. I called them and they advise it was a mistake and refunded my money. For the next 7 months, no payments were made on the account. I was not aware of this as I work nights and my wife handles the checking, until I received an email that my account was going to be closed if I did not make a payment in the next two weeks. I made the payment and immediately called them. They investigated it and reviewed my past calls and confirmed that this again was their mistake. They advised me that my card would be reinstated and that any late payments would be removed from my account and record. None of the late payments have been removed. I have disputed this with all the credits beroes and Capital One always comes back and states the reporting is accurate. They do not take the time to review my past calls or the record.
This place XXXX XXXX XXXX  sent me letters to treat me twice last year and this year on tax season file. I looked at the account number now match to mine by one later at the beginning. I paid off my medical bill since XX/XX/XXXX - XX/XX/XXXX done. Some bills sent out some paid in person. The last bill I went to paid in person at front desk, that front desk lady told me to call debt collection to confirm that I paid off. From that time I mowed the state and lost some receipts and still have some, and I lost the number to call to confirm also. 

NOTE : I can't pick up phone while working, but can text me anytime.
On XXXX/XXXX/15 I bought XXXX XXXX from Best buy XXXX Month financing agreement, for that reason I apply their credit card. 
To get my credit card I called Best buy XXXX times, They wo n't send to me my credit card or monthly statement, For that reason I requested ' to close my account and let me now my unpaid balance ;, In the first time they mailed to me unpaid statement Balance {$540.00}, the statement included past due balance {$56.00} and fee charged $ XXXX called to Best Buy card service ; I talked to her Name - XXXX her ID No. XXXX on XXXX/XXXX/15, they agree to remove the above charges, because they never mail to me statement or my credit card. 
According to my agreement I paid minimum amount {$100.00} on XXXX/XXXX/15. 
On XXXX/XXXX/15 I checked my credit score ; because of their bad report my credit score is damaged. 
I called Best Buy credit card service, I talked to her Name XXXX, her ID XXXX, and she told me my credit score will fix soon, but my score not fixed, Without my mistake they damaged my good History, so you may help me to fix my good name.
I called XXXX XXXX on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Experian credit file without my authorization, I did n't get a response nor did they help me.
The interest is very high and almost unmanageable with my fixed income. I did send XXXX XXXX a copy of my Award letter.

The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
I have submitted applications for XXXX  Loan forgiveness as a XXXX  and XXXX XXXX in a XXXX XXXX XXXX  working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. 
XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. 

XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. 

XX/XX/XXXX-Denied because my XXXX  was not listed on the low-income directory until the XX/XX/XXXX XXXX   year. I call and representative tells me to reapply at the end of the XXXX  year on XX/XX/XXXX. 

XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX  is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning.

I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX  not being listed is simply beyond me. I need help, please.
An underwriter review for modification has been going on since  XXXX  o f 2017. We are now looking at two months without a decision.
XXXX/XXXX/XXXX, I have been in a legal case with Transunion and the Department of Education since XXXX. Due to me being a XXXX XXXX XXXX Veteran in which the Department of Education was notified in XXXX XXXX XXXX of my XXXX XXXX XXXX. The Department of Education then proceeded to place a collection debt with Transunion XXXX/XXXX/XXXX. I have showed proof to Transunion of the notification. I hired an attorney and once aware of an attorney Transunion quickly moved to remove any XXXX outstanding loans before court date. However they refuse to remove the U.S Dept. of Education, even though I have give both proof of my XXXX which was dated before the collection date. The U.S. Dept. of Education has XXXX out the Debt however refuse 's to remove the collection status.
I want to know why XXXX XXXX bank of america are infringing on my second amendment right make perfectly legal XXXX purchases.
I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.
When you call the phone number for TransUnion- you get pitched a variety of other services such as XXXX XXXX auto insurance, XXXX XXXX, and free vacations. Meanwhile, you can not get through to a human being who can explain how to activate either a fraud alert requiring notification and permission for anyone to run a credit check on you or a credit freeze. How can an organization like Trans Union who has so much power over the average person 's lives be so disrespectful of communicating with us apparently perceived 'little people. ' Thankfully, I have XXXX who did find a phone number for me and wound up teaching me how to set up an account at Transunion and to notify me of the option of placing an alert on the account, and how to complain to the FTC about it!
I am unable to get loan approval because XXXX XXXX XXXX / account number XXXX is showing the verbiage " Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP.
Wells Fargo Dealer Services keeps placing insurance on my vehicle after I have provided proof of insurance.
In XX/XX/2017, I applied and was approved for a loan with Lenox Mortgage. They quoted a closing cost of approx {$900.00} to {$1100.00}. The company went through 3 loan processors on my loan due to lay offs etc. This delayed the closing of the loan by approx 6 months, and then charged me points to extend the loan. I paid over {$6000.00} in closing costs. They offered no relief. They said the informed the Vice President,  but I never heard from her,.
On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.
Several months ago I provided the Short Sales Dept at Ocwen Financial Services, with an authorization for Attorney XXXX XXXX/Assistant who are handling my Short Sales process. Ocwen approved the Short Sales and I have a Buyer who 's approved and ready to close ; but to my dismay due to the negligence of the Relationship Manager ( XXXX ) assigned to my file, I 'm in the verge of losing my Home to Foreclosure. Both the attorney 's assistant and I have been trying relentlessly to contact XXXX XXXX ( Relationship Manager ) in order to obtain a scheduled BPO ; which is the only thing missing for the closing and despite are continuous efforts to call him, he does not return our calls. Due to this I 'm getting very close to the date scheduled for the Foreclosure Sale of my home. In light of this, both the assistant and I have also tried contacting the Director of the Short Sales Department, but every time her and I have called the Customer Service Department, the Representatives have refused to provide us with his contact information. In light of the fact, that they refuse to provide us with his contact information, we 've requested that he contact me or her, but again to my dismay without success. I recently sent a letter to their Headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, in attention to XXXX XXXX XXXX ( President of Ocwen Mortgage Services ). In this letter, I provided specific details of my ordeal and I asked for his intervention, in order to prevent the possibility of losing my home to Foreclosure only because of the negligence of the individual assigned to process my file. Now I 'm filing this complaint hoping that, I can get a positive outcome and not lose my home to Foreclosure.
Between XX/XX/XXXX and XX/XX/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise.
Was approved for a loan modification by OCWEN in XXXX 2015. Was told the process would take up to 60 days. Each month my home has a foreclosure date. As of today ; the unmodified loan has been sold to another servicer while the modification is still pending. 9 months of no resolution is not acceptable. I have to start over with another company while my home still shows foreclosure dates. Failure to service in a timely manner and other issues related to financial harm are just the tip of the ice burg with this company.
I opened a new checking account with UnionBank. I deposited {$250.00} through the personal check and deposited {$120.00} through the bank transfer. But a few days later, I received the letter from UnionBank stating my checking account was closed for fraud reason. And all my funds are frozen.
Have n't been able to access my money on my rushcard nor have i been able to see if anything has been deposited its been twice this month I 've had this issue and i know its due to rushcard switching services. Its a great pain that needs to be handled i need my money asap.
Screening Reports Inc,  reported to   XXXX   XXXX   that my credit report states that my home mortgage loan with   XXXX   XXXX   is in foreclosure and my application was denied. I retrieved my  XXXX  report that does not show a foreclosure and I contacted   XXXX   XXXX   to make sure I am not in foreclosure and reported back to  Screening Reports Inc  and they are asking that I get a letter from the Mortgage  Company  in which the Mortgage company told me to provide them with my most recent statement and payment history.