WillisBack/dataset-financial-user-claim huggingface dataset:
Was overcharged for a hotel stay on XX/XX/XXXX and have asked for the overcharge of XXXX be credited back to my account. I have provided documentation proving that there was an overcharge and have gone back and forth with Netspend Dispute Resolution Dept for months now without any response or correction of said charges ( see attached information for details ) I am looking for resolution for CLAIM # XXXX - that I have sent numerous requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I get the textbook response that I would be contacted within two business days regarding this claim ... and have yet to hear back from NetSpend regarding this issue..
I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years old.
Paypal offers the use of PayPal MyCash which allows consumers to add money which can be transferred to the holder 's PayPal Account. Within the past few weeks, it appears everybody is having issues getting these cards to work. 

Paypal will not admit there is anything wrong either.
Time and time again I told Wellsfargo that I do not wish to Opt into their overdraft protection plan, but yet and still I am being charged overdraft fees. As I call and tell them that I have never opt in they say I see that but still I have been charged over {$500.00} in overdraft fees. For XX/XX/XXXX I was charged {$980.00} and in XX/XX/XXXX thus far I was charged {$280.00} in overdraft fees, in which I opted out of.
Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from XXXX XXXX from a XXXX XXXX account that was closed on XX/XX/XXXX. On XX/XX/XXXXI contacted XXXX and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by XXXX on that date that they would close the XXXX XXXX card as a possible fraud issue. On XX/XX/XXXX XXXX XXXX XXXX sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XX/XX/XXXXmy credit score dropped from XXXX  to XXXX, a 92 point drop, per XXXX XXXX web site. On XX/XX/XXXX XXXX  customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XX/XX/XXXXXXXX XXXX XXXX advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''
Kohl 's Charge account from Capital One Finance is reporting incorrectly. 

I initially called in XXXX to Kohl 's ( who handles the customer service on these accounts ) and was advised a XXXX was issued on my account and the debt was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address.. Weekly, I was told it was mailed. Never received. 

At the beginning of XXXX, I finally received it and the Kohl 's CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. Kohl 's blames Capital One. 

After multiple calls with representatives who couldn't advise on the issue, they told me I would receive a fax stating the error and that my account was issued a XXXX forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. This is Kohl 's customer service. 

Taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blame it on another department or on Capital One. 

I am filing this complaint against Capital One, as they need to provide accurate information. 

Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I am very curious as to what kinds of records you may have for this alleged account. 

Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. This has not happened. 

Remove this account from my credit report so that I can be done with this mess of customer service and incorrect data and reporting. This account is over 5 years since charge off and I will proceed with litigation if this is not resolved.
On XXXX XXXX, 2015 I applied for a Citigold Checking account and entered in a promotional code for XXXX XXXX XXXX rewards miles. In order to receive those points I had to meet certain requirements after opening the account. I met those requirements, as Citi has acknowledged, but Citi has refused to award me the points I have earned. They claim that I was never targeted for the promotion. Our correspondence began on XXXX XXXX and to this day they continue to deny me. 

Via secure message on XXXX XXXX ( after multiple messages ), Citi stated, " After reviewing your account, I can confirm you entered a promotion code when you opened your account and have completed the requirements for that specific promotion ; however you were not targeted for the promotion in question. 

The terms and conditions are listed on the offer sent to those targeted clients in which it states : -Enrollment in this promotion does not guarantee eligibility -All accounts subject to approval and applicable terms and fees. 
-To qualify you must be targeted -This offer is only available to Citi credit card members who receive this communication. 
-To be eligible for this limited-time offer, you must not have had a consumer checking account with Citibank in the past. '' I replied that those were not the terms presented to me when I applied for the Account and the corresponding promotion. The terms presented to me, which I have photographic evidence of, stated, " This offer is available to Citi / AAdvantage credit cardmembers who receive this communication ''. 

Their reply, " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 

Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' As shown, I met Citi 's requirements for the promotion by receiving the communication and I was eligible by receiving the communication in question. I was adhering to their own terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while still charging me a fee for maintaining their Citigold account!
I have a loan that was sold to XXXX XXXX. The balance has not change since they got the loan. I have sent them copies of the Promissory note and copies of the statement how the loan was process at XXXX XXXX. I have called several time requesting a reason why the balance never change and was told it is under Investigation. on XX/XX/XXXX I call and was told the loan had not been paid in over a year and that they we going to start refusing payment because the loan was past due. on XX/XX/XXXX I spoke XXXX from Selene I made a payment and told her of my concerns and explain to her that I have a XXXX XXXX and that this was getting very stressfull. She went over the file and stated that she could see the payment and did not understand why the account is showing late. The amount of the loan is {$3300.00} since XX/XX/XXXX I have been sending XXXX monthly.I have my statement showing the payment from XX/XX/XXXX to current. History showing the org. loan was not a interest only loan and the payment history before the loan was sold.
I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX XXXX   - XXXX - XXXX  XXXX  - XXXX  XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Two years ago, USAA paid property tax from my escrow account for the incorrect property. This year, they were contacted in XXXX that I would be cancelling the homeowners insurance they had for me ( coincidentally they were who we used ) and they said no problem. I established new homeowners insurance in early XXXX and the declaration page and all was sent and communicated to USAA. I cancelled with USAA as I had already started my new homeowners insurance. USAA still renewed the insurance policy despite it being cancelled and alerted know XXXX. 

Their negligence and mismanagement of my money is unacceptable. I feel they need to compensate me for this after this has become a pattern. I am exploring refinancing options with another lender as I have no confidence in them as a lender. It is a shame as a member of 14 years. I am cancelling and trying to cut off ties as they are not a dependable company as can be seen in the lawsuits and litigations going against the company in recent months.
I have a loan with Santander consumer USA. My loan amount is XXXX, I make a monthly. payment of XXXX. According to my statements, XXXX is the payment, and XXXX is interest. But when the payment is applied all overage is applied to interest. I have called in several times to have the payment overage applied to the principal. They just will not do it. I keep getting told I have to wait for the request to be processed, 3-5 business days. The last time I called in, XX/XX/2017, another request was put in to their finance dept by XXXX ( a supervisor in there off shore customer service office ). Now she tells me I have to wait another 5-7 days. meanwhile there is over XXXX dollars applied to interest instead of principal. How do I go about getting this issue corrected. Thank you for your help with this matter.
Correspondence was sent to NACS on  XXXX / XXXX /   2016 inquiring about a {$300.00} medical debt reported to  XXXX ,  XXXX  &  XXXX .  I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.
Once I refinanced my mortgage in 2013, Wells Fargo opened a checking account for me. I have no active recollection of agreeing to that, but I assume the paperwork was among the massive volume of papers to sign with the mortgage. The account was never used and dormant until two months ago when XXXX XXXX started to charge me a $ XXXX monthly fee for this account. 
I called to have the account closed but was told the account was " inactive '' and they need to activate it and then I need to call back to close it. In fact, they charged me fees for an " inactive '' account. 
Since then I have attempted three times on the phone and multiple times via Wells Fargo 's online platform to close the account with no success. I have been told again the account is inactive and ca n't be close or was put on hold to speak with " premier bankers '' etc. 
I 'm utterly frustrated that I can not close an inactive account that has never been used. I do n't know how I can accomplish this. They advise I could send a notarized letter via regular mail. Should it be that difficult in this country to close an account without a balance? They can slip in a sheet of paper to get it opened, I can open an account online in a minute, but closing an account is made awfully difficult. 
Please help!
I 've filed multiple disputes to have the company XXXX removed from credit report and Equifax just keep replying the item has been verified as yours. The company XXXX has settled a lawsuit with Florida Attorney General XXXX XXXX on XX/XX/2016, and in the settlement any XXXX, XXXX XXXX loans are to be removed from the credit bureaus. The settlement also sttes that XXXX violated Florida 's consumer protection, consumer finance, and usury laws.
I received a email from XXXX stating that there was a change to my credit report. That a inquiry had been made for a installment loan ( which turned out to be from cash central ) .On XXXX XXXX, 2017 at XXXX. 
Moments later on XXXX XXXX, 2017 at XXXX I received another email from XXXXXXXXXXXX that I had been approved for a loan of up to XXXX dollars and to click here to verify my identity " which i have not ''. I have since received reminder emails stating the same as above on XXXX XXXX, 2017 at XXXX, XXXX XXXX, 2017 at XXXX, and XXXX XXXX, 2017 at XXXX. Which is unsettling because before I had received a email from them I had never heard of this company nor have I done business with this company. And I am worried as to how this company had come across my personal information. And were able to pull my credit report.
There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type XXXX Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Personal Loans Cos. 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Filed XXXX/XXXX/XXXX Type Miscellaneous Reptg. Agencies Phone Number Address
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX Dc Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 
XXXX XXXX-XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  Usa, N. A Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Equifax through not protecting my private information caused the leak of my ssn, name, and DOB. I feel this company jeopardized my future and should be shut down.
I wanted to change my pay date because my pay date change, I was denied to change the pay date. I was also denied to do a deferment when I lost my Job. They would also threaten me with foreclosure when I was a week or 2 late, they would talk very nasty to me, as they wanted me to lose my house. They would send a letter to offer alternatives, but when you call in, there was not any alternatives. They denied help with South Carolina Help, a mortgage relief program that assisted in paying mortgage payments if you were behind, which was terrible as they wanted to foreclose.I mailed them a check at one time, they told me that they had not receive the check They took the check and paid someone else mortgage. I had to make another payment on the payment that I had already made. This financial institution is terrible, they would not offer any hardship alternatives and does not need to do mortgages. They way my mortgage was sit up, it would never go down.
In XX/XX/XXXX and XX/XX/XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXX-Fla. XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXFore XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXe XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX
I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.
On XXXX 2017, Midland Funding LLC through their attorneys XXXX served small claims papers at my home regarding a 14 year old credit one credit card debt. The papers were not in an envelope and were given to a neighbor who was watching my new puppy as I was at a work function. The server was notified I was not home and he was not my spouse.The server than informed him that they just were legal papers to sue me in court for not paying my bills!
I have run my credit and it is show XXXX separate loans when I 've consolidated them into XXXX. Progressive Financial Service , Inc. is the XXXX handling my Collections. They refuse to show me my agreement to pay XXXX $ monthly deducted from my checking account. They are reporting to the bureau I owe over {$23000.00} when I only owe {$12000.00}. I have document to prove my amount owed. They refuse to remove me from a definition of their own policy to help me re-rehabilitate myself credit wise. They refuse to understand life situations and recognize my yearly attempts to pay them off. This is affecting my lively hood and any future attempts to purchase anything for my family. I dont know what else to do. Please help me. If I could work with another creditor I would. If there is any information you can provide I would greatly appreciate it. 

-XXXX
I have XXXX XXXX as my cell phone provider. They have confirmed I have paid my account in full, timely, and they have never attempted collection or held a debt against me. For some reason, XXXX credit report services ( XXXX XXXX have a " Trident Asset Management, LLC '' as a debt collector for " XXXX, '' claiming I owe {$42.00} for " utilities, '' as an open " Collection Account. '' I attach the applicable information if this site permits it, if not I can be contacted at the provided email address and provide all documents. XXXX My phone number will not be answered, as Trident 's efforts prevent answering numbers I do not know and I silence my phone during the hours they were legally not permitted, but have, called me repeatedly XXXX. XXXX XXXX suggested this could be from their home services, but I 've never had XXXX home services, as they also confirmed. When I moved in XXXX 2014 I inquired about services but was told they use dish and my building was too old XXXX historical ) to use such intrusive installation. I informed XXXX I was not interested in their services and received no services, installation, or products whatsoever. I was not informed talking to a representative cost money, it was a XXXX number so I had no reason to think so, so I contest {$42.00} if it was incurred simply by using their potential customer inquiry phone system. As this debt does not exist, I would like to utilize my rights under the FDCPA against Trident and demand XXXX proof of debt purchase/ownership from " XXXX '' and proof of an actual debt. I demand, upon investigation proving my version of events, that my credit reports be fixed to eliminate Trident 's incompetent report pursuant the Fair Credit Reporting Act. I also utilize my rights under the FDCPA for the illegal calling, harassing, and threatening voicemails associated with collection of a non-existent debt. I request XXXX be notified of Trident 's actions, as their system does not indicate any debt and I never received any notification from them on this issue. All I can assume is Trident confused me with another consumer or is fraudulently trying to collect debts they never legally purchased from the entity they claim. I give consent for any measures necessary for the FTC and CFPB to investigate this intricately. I will pursue legal actions myself if necessary, but unlike Trident, do not see the point in threatening a lawsuit over XXXX- far less the filing fee amount in any court - when this fraudulent report or scam can be resolved by the departments competent in enforcing such matters.
On XX/XX/2016 I received a packet from Bank Of America requesting additional information for my home loan application, I filled out the packet forwarded via XXXX/Fax To ; XXXX XXXX my ( CRM ) Ph. # XXXX Ex XXXX. CC. Attorney XXXX XXXX XXXX of XXXX XXXX Law firm. Ph. # XXXX Noted XX/XX/2016 XXXX XXXX XXXX XXXX notified me by parcel mail stating the bank has received my inquiry submitted CFPB # XXXX Moving forward he would will be fostering my modification review with the Bank. XX/XX/2016 I received another letter from XXXX XXXX my ( CRM ) For ( BOA ). Stating we are no longer reviewing your application for loan assistance because we did not receive the requested documents this is not only false, Absolutely frustrating from a barrower stand point I made several attempts to bring the loan current, I was told the system will not accept payment the loan is in default. Every month the bank attaches accumulated fees. I provided the requested documents for the modification. Someone needs to acknowledge there is a communication break down in all parties supposedly involved in the matter at hand. My loan is ( FHA ). Bank Of America has a Obligation, Fair Debt Act 15 U.S.C. ~1692 elt seq / Real Estate Settlement Protection 12 Act 12.U.S.C.~2605