WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX /  XXXX   I noticed that our bank Chase put thru a preauthorized payment for car insurance even though the funds were not there to honor the transaction. We were under the impression when signing up for our account that the overdraft protection we signed up for would prevent transactions from being processed if we did not have the money in the account. I attempted to contact the Chase customer service and spoke with many different people. I requested they cancel the transaction as it is still pending. They told me no since it 's a preauthorized transaction they could not even though in their contract it states if an amount is different or you do not recognize the merchant they can cancel the transaction. So if that 's the case why was I told they did not have access to cancel the transaction when last year I forgot my car payment was going to go through and I called the bank and they were able to cancel the transaction. I find it very discouraging that  one  person with CHASE can but a different rep ca n't. Now we not only will have no money but all other transactions made prior to the pending transaction are still pending and when they honor the transactions again they will make more money off of us for NSF fees. This is an immoral way of doing business and I am utterly disgusted in my experience with CHASE.
On XX/XX/XXXX, we became aware that our credit report reflected a debt owed to ONLINE IN SV in the amount of {$180.00}. We had never heard of this company and had received no communication. 

On XX/XX/XXXX, my husband called to request the information. He was told that the bill had been sent to the house and not returned, and they would not send another copy. He question how he was supposed to settle the debt without the information, and the agent ( XXXX ) offered to take his credit card information over the phone. This, of course, is not advisable since we have nothing in writing. In addition, my husband wanted information in writing because we believe that the medical bill was never properly filed with our insurance company to begin with, and that should be how this debt is settled. 

On XX/XX/XXXX, I verified that this had never been properly filed with our insurance company. I called ONLINE IN SV, questioning this refusal by the company. I was also told that, per company policy, since the information had been sent, that they would not send another copy. I questioned how we were supposed to settle the debt without any information. I was told that this is their company policy. I informed them of my intent to file a complaint with the Federal Trade commission and at this point he offered me a " validation of charges. '' I questioned why this " validation of charges '' was not offered to my husband and he said that my husband had not asked for it. I said I had not asked for it either. He said that it was only because I was so " adamant '' ( his word ) that I was being offered it. Yes, I'm adamant, because there is simply no way for us to settle a debt without information. I again reiterated my intent to file a complaint. I hung up the phone and searched for more information on the company, which took some time because they have a purposefully generic name. I called back and informed an assistant manager that it is my belief that their refusal to furnish the charges puts them OUT OF COMPLIANCE. They claim that they sent one copy, but I never received it, so I do not believe that they did. If they did, why would they refuse to send a copy?
Navient took over a false parent plus loan from XXXX, which XXXX applied for in my name after I was denied without my permission and/or authority. In speaking with XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which Navient and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home.
Got an alert that an account was in collections from XXXX for {$500.00}. This doesnt belong to me. Ive never owed them money. I was once on a plan with XXXX with another person however I wasnt the primary, he was. This means that all balances were to be paid by him and he would take any penalties. Also I am currently using XXXX so I do not understand why they would let me obtain an account with them if I owe them money. Also received letters years ago with different amounts that I supposedly owe them. For this reasons I believe they are being dishonest and deceiving. Also someone called before a year ago to collect a debt and I paid them so they would leave me alone
I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used
I opened an account with Lowe 's in XXXX while building my last home. In XXXX, my home burned and in XXXX I began the process of building another home in it 's place. After the fire, my wife fell and XXXX XXXX XXXX XXXX XXXX XXXX, requiring her XXXX XXXX XXXX and resulting XXXX. She was without income while awaiting XXXX for over a year, but I continued making my payments on time. I had no choice but to use my credit card often while building our new home due to the loss of her income. ( She was a XXXX XXXX for over 20 years. ) In XXXX, XXXX I had a XXXX XXXX XXXX XXXX XXXX, which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX due to a XXXX XXXX XXXX XXXX XXXX. I received XXXX at XXXX in XXXX, AL and have recovered from the left sided weakness. But, the cognitive damage was so bad that the psychologist for the XXXX recommended XXXX for me as well. Later, in XXXX XXXXSynchrony Bank reviewed my credit report and increased my APR from XXXX % for all purchases prior to XXXX/XXXX/XXXX to XXXX % for all purchases after this date due to a high debt-to-income ratio. My wife and I inquired about the increased APR and were informed the change was based on my credit report. We requested a decrease in the APR due to the extenuating life circumstances we encountered over the past few years and were denied, even though we were never late on a payment. The last denial of this request was XXXX/XXXX/XXXX when we asked for a decrease in APR again, explaining the payments are ridiculous with a XXXX % and XXXX % APR. The " Totals Year-to-Date '' provided on my statement reflects {$2900.00} in interest charged in XXXX. When asked if " any '' assistance/forgiveness was available if we provided our medical records, we were told " no. '' We plan to have our debt consolidated when possible, pay our XXXX XXXX account in full and then close the account.
PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records.
I have had the Gander Mountain Credit card through Comenity Bank for at lea  st 10 years without any problems. Starting this year we have gotten late fees and interest charges for the last 3 out of 4 months. The first time I called they stated that the payment was received on time and reversed all charges. After that they would reverse the interest but not the late charges.
In ten years I have always sent the payment on time and never been charged these fees. My daughter also has this card and she has auto withdraw from her checking account and she was also got a late charge, which should never happen because the money is pulled automatically from her account.
I do not know if this has anything to do with Gander Mountain filing bankruptcy but I feel I was treated unfairly and I will no longer use this credit card or any card through Comenity   Bank.
I am seeking your help to resolve my problem with Seterus Inc before my home goes into foreclosure. 

In XX/XX/2018, I made my mortgage payment of {$1100.00}. Unfortunately, my account was {$11.00} short and my mortgage payment was returned to Seterus for insufficient funds. 

I have made deposits into our XXXX XXXX account, to cover my mortgage payment of {$1100.00}. Seterus Inc has been refusing my payment via online and insisting that I must go to a XXXX XXXX or mail my payment via money order. 

In order for me to accommodate this payment method, I would need to take a day off from work, or go into work late which will cause me a penalty on my job. 
When I inquired to Seterus Inc. why are they refusing my on-line payment, I was told that I had four returned payments for insufficient funds in the past year. This is absolutely untrue.

Seterus Inc. is forcing me to go into foreclosure, by refusing my payment. I am seeking your intervention before my home goes into foreclosure. I can not afford to take a day off from work every month to make my mortgage payment.

I am currently working seven days per week, not only to accommodate my needs but the needs of my family members who are living in XXXX, who depends on my check each month to buy their food. Nothing that I expect Seterus to understand, as they have no idea what it is like to be in need.

Please, I am asking you to stop Seterus Inc. from forcing our homes into foreclosure. They are tyrants who have no care for us, other than to abuse their power, leaving homeowners homeless. 

Respectfully, XXXX XXXX
XX/XX/2018 XXXX XXXX sent me a letter stating the total amount owed was {$0.00} this has not been updated on my credit report. I have disputed this item and it has not been resolved it still shows negative information. this account is settled and paid completely.
Today is Tuesday XX/XX/2018. I have a letter from Alpha Recovery Corp ( XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, CO XXXX - XXXX ). I followed the directions written in their letter to satisfy my debt by going to their website ( www.alpharecoverycorp.com ). I followed the prompts and set up my payment for account # XXXX in the amount of {$740.00}. After the payment was made the site stated that if I wanted a receipt to call their number and ask for one, so I called the number as directed. 
After getting a agent on the phone she said that I couldn't have made a payment because they do not have my account. That is after I went one their site found the account and paid the amount in full. I told her this, she became rude, angry and transferred me to the manager. I told my problem again to the manager, the same result, however this time she just hung up. I still don't have my receipt for my payment. 
I called back a third time and left a complaint with the compliance manager of the company via voice message. 
I have not gotten a call back and still do not have my receipt. Completely unacceptable.
On XX/XX/XXXX I ordered a queen size XXXX  brand memory foam mattress from XXXX seller storefrontXXXX using PayPal credit. I received my item on XX/XX/XXXX. The item was drop shipped from XXXX and came in a plain cardboard box. I opened the memory foam mattress which come compressed in the box. Once you open these mattresses they expand to full size. Because the seller shipped this item from XXXX and selected the option for 'gift ' there was no paperwork to indicate the size, nor any indication on the box of the actual size of the mattress. When I opened the mattress, it expanded to full size and only then did I realize that I was sent a twin size mattress, and not a queen size. I immediately started the return process and the seller agreed to take the item back for a full refund. The seller provided a shipping label, but the label was not for the proper size item. Now that the item had expanded, XXXX would not accept it. That same day I attempted to contact XXXX, where the item was shipped from, to arrange a large item pickup ( a service they offer in these cases ). XXXX told me that because I did not purchase the item, that I could not make those arrangements so I contacted the seller to request advice on sending the item back. On XX/XX/XXXX, at XXXX EST, I contacted XXXX  support because I had not heard from the seller and needed assistance returning this item. I was told by XXXX  support that they would reach out to the seller to request arrangements for shipping and that if the seller did not respond by XXXX the case would be decided in my favor and I would receive a refund due to XXXX 's buyer protection. On XXXX I received an email stating that the seller asked XXXX to close the case and it was decided that I would not receive a refund. The seller still never responded to any of my messages and XXXX made no attempt to contact me about the case prior to closing it. The case was also closed early, without allowing me the full amount of time to send the item back. On XX/XX/XXXX, at XXXX I contacted customer support at XXXX who told me the decision could not be overturned and that I would need to contact paypal for further investigation. PayPal has refused to accept my dispute or appeal unless I pay for shipping the item back to the seller which would cost in excess of {$150.00} when the seller could easily just contact XXXX and arrange shipment.
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
On my credit report is a negative entry of a debt that is more than seven years old. The XXXX is more than seven years ago. The debt collector bought the debt and " re-aged '' the account. 

original creditor XXXX current creditor XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX amount XXXX dollars I asked XXXX to remove this entry and they did not.
XXXX Customer Name : XXXX, XXXX American Express has refused to honor the bonus promotion of XXXX Delta miles under which I opened a new Delta Gold Amex card in XX/XX/XXXX. I easily met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By XX/XX/XXXX, I spent $ 2500+. 
Thus, I should have had XXXX Delta miles credited to my Delta frequent flyer acct. It never happened. 

On or around XXXX XX/XX/XXXX : i chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. I even offered to submit the promotion terms to expedite the process. Amex refused my offer, a red flag. I waited and waited and eventually forgot b/c Amex NEVER got back to me. I never received my XXXX bonus miles. 

On or around XXXX XXXX ( not XXXX ) : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the bonus miles, i.e., I spent $ 2500+ XXXX   XXXX Case ID Dispute XXXX. He put notes on acct. 
XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an non-annual fee, but XXXX said that bonus miles might not be credited. I didn't agree since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But he/amex advised that I have to keep the card as Delta Gold. My  concern is that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. Offer code seen. He confirmed that I spent {$2500.00} by XXXX. 
I was concerned that Amex said this same thing a yr ago and never followed up. XXXX reassured me that I would be able to see the dispute he opened about the bonus miles and the annual fee in my online acct under " Disputes. '' Despite logging out and back in, this dispute never showed up. He said to give it more time. 

It's now been two wk and the dispute he claims to have opened is nowhere to be found on my account. Amex is trying to trick me into leaving my acct open so that I have to pay the annual fee {$95.00} even though I haven't used the card in a yr. If I don't pay, Amex will report this as derogatory to the credit reporting agencies.

Amex keeps breaking its promises. I have the proof.
I am a victim of the inquiry issue I have called and called their customer service would not help and take care of the negative inquiries reporting to My credit report here 's a list of things that I want removed!! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
In XX/XX/XXXX I received a letter similar to the one attached. The date listed for payment was XX/XX/XXXX with a payment amount of {$730.00}. I made that payment by the date on the letter. This was the first correspondence I had received from Navient, and I took immediate action. 
On Saturday XX/XX/XXXX I received the attached letter. I logged into my account and realized the extent of the issue and immediately made a payment of {$2900.00} to get my account current. On Monday, XX/XX/XXXX I became aware that all of these accounts were reported as past due to all three credit bureaus. 
As you can see by the enclosed documents, the letter from Navient does not state how late the payments were, and the credit report pulled XX/XX/XXXX, with a reporting date of XX/XX/XXXX shows a Payment status of Current. The report pulled XX/XX/XXXX has a last reported date of XX/XX/XXXX, shows a status of 90-119 days late. The last enclosure shows the payments made. 
When I called and spoke to Navient 's customer service I was advised correspondence was going to an email that is no longer monitored. I have since updated my contact information, and remain current on my payments. 
I am asking that this reporting to the credit bureaus be changed as I was not properly advised to the state of the account, and as shown by my actions I had the means and intentions to not have these fall into a past due state. This reporting has had a severe negative effect on my credit score as I was in the process of obtaining a mortgage. This will no longer be possible with this erroneous reporting due to inadequate notification.
I received numerous threatening calls from Account Receivable Solutions, XXXX XXXX XXXX and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} XXXX. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
I opened an account with XXXX XXXX around XX/XX/2017 for wireless internet. They came to install the internet and it was working for a few a few hours after the technician left, however every time I left the apartment and returned I had to reboot the router. Later that evening the internet stopped working entirely. When I called to have another technician come out to fix the problem they were not available for a whole week. When the technician arrived one week later the same results occurred. When I called to cancel they said it would not be a problem and I would not have a balance to pay due to me not having service during the time I was supposed to have service. The XXXX   Cancelation Confirmation Number was XXXX and I spoke to XXXX   Employee ID XXXX said my account balance was XXXX dollars. The following month I received a bill of {$170.00} I spoke to XXXX   Employee ID XXXX on XX/XX/XXXX and he told me the final bill takes 30 days to generate but not to worry. The following month I spoke to XXXX Employee ID : XXXX on XX/XX/XXXX and she now told me it would take 60 days to generate the final bill with a XXXX  balance and it would not be a problem. I called again in XX/XX/XXXX to be told now it would take 90 days. Every time I asked to speak to a manager or someone else who could assist me and was denied this. It would also take me 30 plus minutes on hold before I was able to speak to someone. In XX/XX/XXXX I recieved a Collections Notice from XXXX XXXX XXXX XXXX claiming the same {$170.00} from XXXX XXXX. I again tried to reach out to XXXX directly and was told now there is nothing they can do and my account is in collections. I have never had an account in collections, I have never had a late payment, I value my credit and ensure I maintain it in good standing but I refuse to pay this balance because it is for services I never recieved.
I am a  XXXX  veteran, I went to purchase a car and the sales person basically lied to me about the condition of the vehicle. I purchased the car on  XXXX / XXXX / XXXX  because the sales person reassured me that I was making a great purchase, after much research I found out that at one time  XXXX   XXXX  the  XXXX  model was under recall due to a manufacture defect, what made me look into this was because I noticed water in the bottom of my trunk along with either termites or ants, I purchased a wet vacuum to remove the bugs and water but nothings working. I brought the car into the dealership to be looked at and they informed me I had to pay over a  XXXX   XXXX  just to get it checked. That was money I did not have so I left. It kept raining and the car was getting worst! So for the about a year there has been mold and bugs in my car even in the inside. I do n't know what to do.