WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a charge on my account that was from a clinic that is running a scam. 
The bank denied my claim without proper research or efforts, because the clinic provided receipts that had " all sales are final ''. 

I filed the charge back claim with the bank for the reason " 53-not as described or defective merchandise ''. 

I gave the bank all that I could with my knowledge of such matters to include : a statement from a witness that showed that I was in pain from the " test injection '' and the drug was not as described nor suitable, print outs of claims and descriptions made about the services I was sold, and an email from the clinic that showed that I had not even received any of the treatments or drugs from them. 

I also provided links to direct them to articles that showed in detail the type of scam these clinics are running. These types of clinics have been prosecuted in other states for doing the exact same thing that was done to me. And there are many articles about it. 

I do not believe the bank is honoring the consumer protections that are common to XXXX debit card holders. I do not believe that they did any research to see that the clinic was indeed fraudulent, deceptive, and that the product was not as advertised. 

They denied my claim because they did not want to make an effort to research the incident. 

Furthermore, I had called several times getting different directions from each person I had talked to. I had made efforts to get documents faxed over to them. They never responded to my faxes and I kept having to call to find out what actions they were taking. 

After hours of time and several phone calls, I finally talked to a manager that kept saying that it did not matter how long I talked he wasn't going to do anything.
The following accounts are fraud and do n't belong to me. I have disputed with XXXX, XXXX XXXX & Experian a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.
I applied for a Chase XXXX XXXX XXXX based on an attractive bonus offer for frequent flier miles ( XXXX ) based on spending within the first year. The offer was XXXX XXXX for spending {$2000.00} in the first XXXX months, another XXXX XXXX for spending {$10000.00} in the first year, and an another XXXX XXXX for spending an additional {$10000.00} in the first year. I met the spending requirement for the extra XXXX in the first year, now the company is refusing to issue the miles stating that the bonus offer was never attached to my account and I would have had to have complained in the first XXXX days of opening the account in order to have it changed, even though I had a year to met the spending requirement. Chase also claims that the offer was only available to select individuals who received the offer by e-mail. However, the offer was advertised on the XXXX XXXX website, which is where I applied. I even have a screen shot of the offer I applied for that I shared on social media at the time. I have talked to several representatives at Chase and all are refusing to honor the bonus offer.
I entered into an auto loan with American Credit Acceptance after purchasing a vehicle thru XXXX in XXXX XXXX, Fl. Because of a poor credit history my current interest rate is 28 %. I also purchased an extended warranty and GAP insurance when I purchased the vehicle which American Credit Acceptance is charging me 28 % interest on as well. After research, I found that it is illegal in the state of XXXX to charge 28 % interest on GAP insurance and extended warranties. I was also advised when I purchased the vehicle that I could refinance at a lower interest rate after 6 timely payments, but after purchase the company told me that the loan is a simple interest loan, so no matter if I refinanced or made principle payments, I will still be paying the same amount of interest because it is front loaded. Please help, I found where the Attorney General of XXXX won a lawsuit against this company for charging excessive amounts of interest on GAP insurance and they are doing the same to me. I have also filed complaints with XXXX Attorney General XXXX XXXX ( who is reviewing my claim ) and the Consumer Financial protection Bureau to ensure that this issue is resolved and no other consumers are taken advantage of. Please see the link below regarding the case filed in XXXX. 
XXXX
On XX/XX/XXXX I was contacted by XXXX XXXX of The Counsel Firm in XXXX Ca. He informed me that I had an outstanding balance of XXXX with XXXX XXXX XXXX threw GE Capital and they now own the claim and account. He verified my XXXX and SS #. I was convinced I had paid it, but he was so convincing that we negotiated a settlement of XXXX and he sent me paperwork to make payments. I have not signed the paperwork, because I was still trying to figure out if this was a legitimate debt. No one can tell me if this is legitimate and now they have taken XXXX out of my checking account. He said he did n't have to send me any additional paperwork except for the XXXX pages confirming my payment arrangement. If I owe it I 'll pay however the account is over XXXX years old and I would have sworn I paid it off in XX/XX/XXXX. Is this a legitimate Debt Collection company?!
Applied to XXXX for a credit card so I could trans act business on internet finally was promised a XXXX dollar sign up gift was denied because my bank chase bank is a backer of XXXX XXXX chase has been lowering my credit limit each payment I make so as to keep my account in a maxed out position and chase caused me not to fairly get a XXXX card so that can do commerce on the net I pay my bills even when they raised it to XXXX dollars a month and I have a 100 % payment rate XXXX and chase has conspired to dishonestly and illegally deprive me of credit when I have met all the criterion of a solid credit partner I was originally a XXXX XXXX member then was handed off to XXXX XXXX then a antitrust sent me to chase, this account has been the primary account of my entire life, I have not failed to conduct myself and my banking responsibility I am a Veteran of the XXXX and I think these institutions giving me a steady aggressive hit on my credit report is deplorable as well as a hard credit inquirey I have a home that is worth thousands of dollars and I own many expensive things how is it that I get all this grief for a lousy XXXX dollar credit line that diminishes every month, somebody at chase and XXXX is treating me poorly with zero justifiable cause please help me stop their dishonest business practices against me if you can help anyone it should be me
I have a fraudulent hard inquiry on my XXXX credit report from a company called Credit Plus. I disputed this inquiry directly with the company and recieved documentation, see attached, stating that they have no knowledge of this inquiry either.
Sunrise credit services has been calling at least 4 times a day for a   XXXX   bill. I asked them repeatedly to stop calling while I 'm at work but they argue that I do n't answer after work but I have set up payment but I ended up not having the money in the account. I would set it up again but they wo n't quit calling me at work. They are also masking the number because I called it back one time a nd it was n't a debt collector at all.
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Transunion to remove these inquiries from my report.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
I have worked at a non-profit organization since XX/XX/XXXX. Since XX/XX/XXXX I have paid on-time payments each month. When I initially started making payments on the income based plan I realized my total overall amount was increasing due to interest. I called XXXX and was advised that I could change to the standard payment plan, and that this plan would still qualify me under the PSLF program. Again, since XXXX I have paid on-time payments, never missing a payment, or being late for a payment. I am now told that none of these payments qualify under PSLF. I am beyond disappointed and feel this is unfair and unjust. Again, I was told by XXXX that I would qualify for PSLP as long I my payments were on-time for 120 payments. I have attempted to speak with someone via email multiple times regarding this issue, but am only given a very generic response.
I hope I selected the right categories for the situation. I utilized Credit Karma and every week my scores are updated. My XXXX score went up XXXX point last week and out of nowhere it dropped XXXX points. I really don't know if Credit Karma is reporting accurate information. But if you all can provide me an accurate credit score I would really appreciate it.
I was impacted by the data breach at Equifax. My personal information, including my full name, social security number, and my date of birth, has been compromised. This could result in identity theft and impersonation attempts. 

https : //www.consumer.ftc.govXXXX
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is Advanced Collection Bureau Inc. account number the bureaus are reporting  XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
This complaint is about  XXXX  Synchrony Bank Accounts -  Amazon, PayPal Smart Connect, and Car Care One. I became behind with them a  year ago due to medical bills and my only source of income is  XXXX . They charged off the accounts between  XXXX  and  XXXX ,  XXXX  and they say they sold it to  XXXX   XXXX   XXXX .     In  XXXX ,  XXXX , I was able to cash out my pension as a hardship and I made a diligent effort to give all my past due bills something. I gave the entire pension amount to pay medical bills first and then other bills. I gave each of the above mentioned accounts {$750.00} each. I paid by  Bill pa y from my bank. I have proof of payment. However, they never reported the payment on my credit report and they did not send it to  XXXX   XXXX   XXXX  as they continue to bill for the full amount. They told the credit bureau that they reported correct information, but they still have not.     This is {$2200.00} altogether! That 's everything I had as there are no other assets. If they did not credit it, did not give it to  XXXX   XXXX   XXXX ., then they need to refund it! I tried to do right by them when I had nothing more to give.
American Collection Enterprises Inc. has reported on my credit report that I owe {$240.00}. They state that the original creditor is University of XXXX XXXX XXXX. I contacted University of XXXX  directly and they stated that they have no record of any funds being owed to them by me ( ever ). I have requested ( in writing ) American Collection Enterprises Inc to provide validation of this alleged debt. No response ...
I was trying to link my Capital One account to my Chime account in order to transfer money and received this message : Capital One is blocking you from enabling external applications File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. 
You can alert Capital One that you need access to your financial data by filing a complaint with the CFPB
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.
I disputed a collection account on my credit report with XXXX XXXX XXXX account number XXXX. I contacted XXXX in XXXX 2016 disputing this account and XXXX sent me a letter stating that the account did not belong to me and that they would remove the account from my credit report. After considerable time, the XXXX account was not removed. I initiated a dispute with Equifax and sent a copy of the letter from XXXX relating to this account and that the account should/would be removed. 

Equifax responded that the account was verified and he information was reporting correctly. How is this possible, when the XXXX sent a letter stating that it did not belong to me and it would be removed. Equifax has violated the FCRA and dishonestly keeping this account on my credit file. I provided the verification from XXXX, so why is the account not removed instead of updated with bogus verification. 

This account should be removed within the 15 days allowed for response relating to this complaint.
On XX/XX/XXXX I sent my boyfriend ( XXXX XXXX ) {$170.00} via XXXX. That same week Wells Fargo had multiple system issues and it really didn't effect me. I had a deposit that took a while to show and that was it. Well on Sunday XX/XX/XXXX I woke up to my account being Negative because Wells Fargo system showed I did another transfer through XXXX  to my boyfriend for the same amount {$170.00}. I called him and told him NOT to touch the funds when he got them. He advised he never did. So the system duplicated my transaction. 

I called Wells Fargo and I put in a claim to get it resolved. claim # XXXX. By that Wednesday seems the system fixed itself and the funds were back correctly and had not been sent again. I assumed the claim rep would see that and close the claim. 

Well on XX/XX/XXXX I noticed they put a temporary amount of {$170.00} in my account to cover the issue. I called THAT day to advise the bank the issue had resolved itself and they could take the {$170.00} back from my account that they gave me. I ask that they please close the claim as it was no longer needed. 

Well by Wednesday XX/XX/XXXX my boyfriend wakes up to his account being Negative {$170.00}. Saying that I had a claim and the funds were being refunded to me. TO this day his account is still negative and I have yet to get the XXXX.. 

However, My issue is that I called the bank advised them they processed the claim incorrectly. That I NEVER asked for the funds to be returned. MY CLAIM was put in for the duplicate transaction that NEVER took place. XXXX XXXX is telling me it could be 90 days yet the XXXX says its been refunding me the money since last week. Wells Fargo wont fix their mistake and it has now caused my boyfriend NUMEROUS dollars in fees with his bank. I've done my due diligence and I just want the funds put back in his account and any fees he's incurred to be reimbursed. XXXX  only communicates via email and that is so horrible. Ill NEVER EVER use the service again but I need someone to please help me. My boyfriend had XXXX in XXXX and is not working. He cant afford these fees and If not resolved IM OUT OF {$170.00} due to a system issue. 
Had they refunded last Friday as the app said I would've just sent it back to him. PLEASE PLEASE HELP ME GET THIS RESOLVED!!!!!!!!!!
A lady by the name of XXXX XXXX fron central portfolio control, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
Transunion, XXXX, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Today I received letter from this company informing that they had received a inquiry from me concerning an account that I owed them. I made no such inquiry and I do not know them
I contacted LVNV about an old debt that I was tricked into paying after statute which is being paid as agreed. While I was talking to her, she found another old credit card debt from 20 years ago which was paid to a different creditor, but is back on their books with outrageous interest. The statute of limitations is 6 years in our state. They sent me a letter demanding a response within 30 days or they will take legal action against me for a 20 year old debt that was already paid to a different creditor. They are basically bullies taking people 's lunch money. I do not know whether to reply or not. The last time I replied to LVNV about a 15 year old debt out of statute, they sued me and I am still paying it. The amount is easily XXXX the original amount owed to the credit card. Our local judge just pushed these through and takes the money for the local court. Please help us. 
Thank you for your time.
I received convenience checks from Barclay Card US ( XXXX ) to complete a deposit into my checking account. At the time, the card the check was tied to had a {$0.00} balance and a {$7100.00} credit limit. Barclay Card returned the check and when I called them they said it was because they were having system issues. Then the representative changed the story and said it was because I wrote the check out to cash ( I did n't ). The check was not written out to cash, it was written to myself to deposit into my checking account to pay bills. I am now suffering a tremendous amount of overdraft fees due to their fake checks. 

Additionally, I receive these checks once a week. This means that once a week I have to shred these. This is predatory and should be stopped.
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the XXXX XXXX XXXX XXXX and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from XXXX at XXXX XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX  from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &amp;  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.