WillisBack/dataset-financial-user-claim huggingface dataset:
Have an ongoing dispute with Chase XXXX since XXXX XXXX. It was regarding a breach of contract by a moving company, XXXX Men and a Truck. That part of the dispute has been settled. The other part of the claim was regarding damage to a XXXX hutch. Chase asked me for a copy of an " estimate '' to have it repaired. I faxed that estimate to them ( {$1200.00} ). The dispute was mishandled by being handled by numerous merchant dispute representatives ( at least XXXX different people called me from Chase and I have at least XXXX post cards stating my claim was being worked on and no interest charges would be applied to my account until it was settled ). On XXXX/XXXX/XXXX, Chase returned the {$1200.00} " estimate of cost '' back to the MERCHANT. I then provided Chase with a copy of my check dated XXXX/XXXX/XXXX where I had paid the furniture refinisher to repair the furniture. It was never a charge to Chase. Last correspondence from Chase was from a XXXX XXXX, Customer Service Specialist stating : " The disputed amount will remain on your account. Please follow the instructions for payment on your statement. Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' They absolutely can not get it that I paid with my check for the refinishing of the damaged hutch in the amount of {$1200.00} and that amount should have been credited to my account, not the merchant 's. I 'm at a loss as to who to turn to until I found your website. I hope you can help. By the way, I 've canceled my Chase account and cut up the card. Oh, and they 're charging interest on the disputed amount, which I believe is illegal?
I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.
I started a payment plan XXXX 2014 that was supposed to prevent my student loan from going into default. They kept asking for large sums of money ( $ 7,000- {$15000.00} ) to start it, changing the amount owed every time I called, telling me to ask my extended family, asking why my husband was n't helping and even making a comment on me not marrying someone rich enough to pay my loans for me. After some back and forth with the XXXX XXXX costumer service I got them to start my plan with just the first payment down, which they accidentally double charged us for. After a year they called again with the same story as in 2014 I needed to pay X amount now or my loan would default and I needed to go on this plan to stop it. After more back and forth with costumer service I got the plan started again. This year, now year 3 they started calling again, this time just to keep payments going. I asked them why I never saw my credit report improve after being on the payment plan so long and they informed me my loan has been indefault since 2014. Navient is the " collection '' agency but over the last 3 years they have charged us ( my mother and I ) through both Navient and XXXX XXXX. My mother and I were told several times in the last 3 years this would prevent default and I am finding out today that they do not offer a program to get you out of default, and my only way out is paying off the loan. Which is {$20000.00} more than when I started and has not gone down at all on this plan due to capitalized interest every year. I have tried everything short of getting a lawyer, which I ca n't afford, to get this under control, so I can repair my credit and buy a home. My school is closed and discredited and I ca n't consolidate this loan.
After several months of no decision on a loan modification and being told that if I accept a trial it will halt c  Income bas ed consideration,  Citumortgage sta rted the foreclosure process on my home. After several conversations, I was asked if the home was vacant. The answer was yes. It seemed that the movement stopped on my modification because it went to underwriting twice. During this time I went to court several time and at the mediation, there was no compromise on their part. I was offered a trial that was {$800.00} MORE that my current payment. I made  6 pay ments because I did n't want to loose my home. When I received the paperwork, I questioned why my payment was so high and was told it was for taxes and I needed to discuss it with   XXXX   tax. They put me in touch with  XXXX  and they said it was the vacant property tax. When asked how they know the house was vacant, they said  Citu rep orted it to them. They also said that there were conditions for exemption. I was exempt o n 2 ca tegories. Litigation and renovation work. The tax was  XXXX  and should not have been paid  by Citi an d added to my mortgage payment. I submitted the necessary proof to  XXXX . I had a court date in the interim and told the court about the payment and that I was awaiting that reimbursement. In the meantim e Citu sold m y note to  XXXX  mortgage for  XXXX  without the adjustment being received for the  XXXX . The original mortgage at time of application for modification was  XXXX . The problem is that the bank reported my home to the city as vacant knowing that it was exempt from the year over year tax. I wonder how many people have lost their home because citi reported their home and they incurred the tax and did n't question it.     I want this practice looked into. I wan t Citi to modify  my mortgage to the very first offer and make adjustment inclusive of all payments, interest, fees, etc.
I have constantly disputed to Transunion the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent Transunion a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...
Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?
I have made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXXnever been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
This firm gave a response to the Consumer Finance Protection Bureau ( CFPB ) in case number XXXX that the matter has been closed with the firm and returned back to the original creditor. However, the firm has not deleted the entry from my XXXX credit report.
Synchrony Financial ( parent company of Care Credit ) ATTN : Customer Complaints XXXX, FL XXXX RE : " Holding '' of Funds | Care Credit Cardholder [ XXXX XXXX ] [ XXXX ] The purpose of this message is to alert you to an unfair, possibly illegal action of a financial institution. 

Situation I made a payment to my Care Credit Account on Friday, XXXX XXXX, 2016 ( by phone from XXXX checking account ) ( Confirmation # XXXX ) in the amount of {$1100.00}. The amount was deducted from checking account Monday, XXXX XXXX, 2016. 

I checked online and called Care Credit on Thursday, XXXX XXXX, 2016 to verify the account balance and available credit. To my surprise the {$1100.00} payment was applied to my " available '' credit. 

When I called Card Credit to ask why the {$1100.00} payment was not credited to my " available credit '' I was told that payments in excess of {$1000.00} are " held '' and not applied to available credit for 14-days. 

I spoke to two different phone agents and asked if this " holding '' policy is stated in the terms of use for the credit care. Both said no it was not. I stated that at no time during the payment-by-phone on XXXX XXXX was I informed that my {$1100.00} payment would not be applied to my available credit for 14-days. If this " policy '' had been stated to me I would have just made two separate smaller payments, each of which would have been immediately applied to my " available '' credit. 

Problem It is dishonest for a financial institution to " hold '' my payment of {$1100.00} for 14-days without proper notification, explanation, or warning. To be clear, for 14-days Care Credit ( Synchrony Financial ) generated interests ( profit ) on my {$1100.00} payment while denying me the benefit of this payment ( adjusting " available '' credit ). Why is Care Credit ( Synchrony Financial ) treating a long time honest customer like a criminal? NOTE : *Credit Limit : {$4500.00} *Current Balance : {$800.00}
Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's
Someone applied for credit with XXXX and TransUnion gave access to my credit history without my authorization on XXXX/XXXX/XXXX. XXXX approved the credit for whoever was applying. I called TransUnion, XXXX, and XXXX XXXX/XXXX/XXXX. They put fraud alerts on my accounts. Called XXXX customer service XXXX/XXXX/XXXX. They said yesterday that yes they gave approval for credit. They closed the account. No charges to the account thank XXXX. I talked to their fraud department and they are to investigate. I now have a hard inquiry on my credit history on XXXX/XXXX/XXXX from XXXX  that I did n't authorize. Would like to get it removed.
I am writing to dispute a billing error in the amount of {$16000.00} on my account. The amount is inaccurate please look at the payment history that I have attached from  XX/XX/XXXX  to  XX/XX/XX . The balance remains the same no matter how much I paid ; I have made over payments and under payments and the balance remains the same {$16000.00}.     I understand I have a high interest rate however there has been zero applied to principle until recently     XXXX   XXXX   XXXX     payment is when finally payments started going to the principal balance.     I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.     Enclosed is a copy of my payment history supporting my position.     Please investigate this matter and correct the billing error total payments made  XXXX  on  XXXX   XXXX .
I am a XXXX year old widow of a military veteran in XXXX, FL. A company called Accelerated Receivables Management, XXXX XXXX XXXX, http : //www.cuttingedgecollections.com/ has been calling and leaving threatening messages on my answering machine. They want the attorney for my deceased husband, XXXX XXXX, to contact them. When my daughter called them from her place of business to find out the reason for their call, they told her that XXXX XXXX XXXX is suing my deceased husband, XXXX XXXX for an unpaid debt in XX/XX/XXXX. She tried to explain that my husband died XX/XX/XXXX and we do not use XXXX XXXX XXXX - they must have the wrong information. The agent for Accelerated Receivables Management, XXXX XXXX, threatened my daughter by telling her he was going to serve her papers at her place of work and take her to court. My daughter reported them to the XXXX, State Attorney 's office and sent an e-mail asking for a Validation Notice because we do n't even know how much they are trying to collect. Is n't there something wrong with harassing me and my daughter for a debt we do not owe - especially with nothing in writing from them regarding the amount, date of service, etc.? They should be stopped from exerting such high pressure tactics to try and scare me and my daughter into paying a debt we never heard of.
On XXXX/XXXX/2016 I attempted to use my eppicard and it was denied. I later found out over $ 700+ had been taken out of my account through fraudulent activities. I immediately contacted eppicard to report the fraudulent claims. It took two days and hours on the phone because no one would pick up the call. I sat on hold for hours after being re-routed multiple times. I finally got someone on the phone after an hour and gave them all the info. They then transferred me and I had to give all the info again. I was told they would send me a form and I would need to fill it out and return it. Then I would have my money returned to me within a couple of weeks. The form arrived, I filled it out and returned it. I have still yet to receive my money back. I have made multiple calls to eppicard to find out where my money is and have been repeatedly hung up on by the system or sat on hold for so long, my phone has gone dead, or I have had to hang up. Most recently I call and it took me recalling the customer service number for 25 minutes to finally be transferred to a XXXX person. The system would hang up on me if I did n't answer the prompts correctly. Once transferred, I remained on hold for 85 minutes until I finally had to hang up. I still have yet to get my money back or speak to anyone live about it.
To Citicards/VISA On XX/XX/2017 my card was fraudulently charged {$10000.00}. I called on XX/XX/2017 to dispute the charge but I receive no correspondence from the Citi cards whatsoever. I've called multiple times for information about updating the dispute/chargeback no mail was sent although agents of Citicards insured me many times that I will receive documentation. After months of attempts to understand why the charge is still my account in XX/XX/XXXX (! I I received the information without any warning that I failed to answer the mail ( which I never received because apparently something was sent only to my citi account mail, not even my email! ). I am out of {$10000.00} for fradulent charge which I never made. Please return my money as I haven't purchased anything and you are supposed to protect your customer. I am deeply disturbed by decision of Citicards to slash me with such a huge charge. I feel like I'm being discriminated because I'm foreign and I am preparing to get this issue to the attention of the media since I feel I wasn't treated with respect and seriousness of the issue. The supervisor of the Billing Department said to me that he didn't care it was {$10000.00}! Obviously there is something major going wrong with the billing department of Citicards. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Hello I am confused. I have already spoken with multiple parties about this company and I was already updated that I do not need to have any interaction with these people. I am being told very rude and out of line things that " I do n't know what I am talking about '' and a " XXXX XXXX '' cuts me off and does not listen to anything that I am saying. I did my research and made my phone calls. I should not be receiving any phone calls from this company. I do n't know where these people graduated from but my intelligence level ca n't be low neither can the rest of the companies that I have spoken to about these people. Stop calling my phone number. I do not owe your company anything. Thank You.
Had an error on my XXXX and Experian reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX  has since been removed from Experian but XXXX XXXX XXXX remains ) this account was paid in FULL, however XXXX verified it all 4 times I disputed it as did Experian, so I show XXXX  AND Experian my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.
I went to send my friends wife money for work she had done for my family via paypal. i did this on XX/XX/2018. It was {$4500.00} The paypal email she told me over the phone was correct, but i typed in the number 4 instead of the word for as she did not specifically tell me that. The money got transfered to the wrong paypal account and the user accepted it. Now that user has not answered my emails about refunding my payment. I opened a case with paypal the same day i made the transfer as we later realized it was the wrong account. and they closed it after a few days saying they did not see anything wrong with my account. Paypal makes it impossible to cancel an incorrect transaction or properly confirm emails of who you are sending payments to. The customer service reps on the phone at paypal were absolutely useless in my case, they assured me I would get my money back and i have not. I am extremly annoyed because this is a lot of money. If it had been {$20.00} i would not care, but its over {$4000.00}.
Through a series of complicated, opaque consolidations, and an application for Public Service Loan Forgiveness, I ended up with a large amount of student debt serviced by XXXX XXXX. ( {$100000.00} total, spanning undergraduate, XXXX XXXX, and XXXX study. ) I applied for Public Service Loan Forgiveness in XX/XX/XXXX/XX/XX/XXXX, shortly after I began a full-time position at XXXX XXXX, a qualifying XXXX XXXX  institution for Public Service Loan Forgiveness. I received an acknowledgement that I was approved for PSLF. I worked at XXXX until XX/XX/XXXX, when I left in preparation for a new XXXX  position at XXXX XXXX. I have been at XXXX since XX/XX/XXXX. 

According to my XXXX  account statement, I began making payments toward my balance in XX/XX/XXXX. ( I completed my XXXX  in XX/XX/XXXX, so I assume the gap is due to a repayment grace period. ) During the next year and a half I continued to make payments on time. For the month of XX/XX/XXXX I was officially unemployed, as my post at XXXX XXXX   began in early XX/XX/XXXX, but I continued making loan payments.

I have been sending repeated inquiries to XXXX to determine whether I am still enrolled in Public Service Loan Forgiveness and how many qualifying payments I've made. I have received cut-and-pasted responses to most of my inquiries since XX/XX/XXXX. ( They did finally confirm, on XX/XX/XXXX, that XXXX XXXX  counts as a PSLF-qualifying institution. ) I contacted them in XX/XX/XXXX to request that they remove paid-ahead status from my account, which seems to be the same tactic they have used to effectively remove payers from the PSLF payment scheme. I had never requested that my account be placed in " paid ahead '' status and do not understand why this was done. XXXX claimed that some of my payments did not qualify for PSLF for this reason. 

All I'm requesting is that XXXX  accept all of my payments since XX/XX/XXXX as qualifying PSLF payments. I'm aware of the class-action suit against them and don't want to be another victim of their predatory practices.
XXXX/XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXXXXXX inquiry date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  Capital One put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.
I bought a use XXXX  XXXX car in XXXX in XX/XX/XXXX at 6 months I started having problems with the transmission. The XXXX XXXX fix for free because I had less than XXXX, XXXX miles on it. And then I took it to XXXX XXXX for an Oil change and then I started having problems with the timing sylenoid no car dealer wanted to tell me what was the problem in the beginning and XXXX in XXXX XXXX charge me aprox XXXX to fix one piece of my syneloid but there telling me my car is was going to still have issues turning off because there's another piece that needs to be fix but the car dealer didn't want to tell me. he said it was the sprocket gear and it wasn't .... I spent money for nothing. Then I finally found a good mechanic to fix and tell me the problem and is was the timing sylenoid. I spend almost XXXX couldn't make my car payments got behind and I call capital one to lower my payments and they dont want to. I told them I get pay biweekly and my car payment is not the only payment I got. And I was fine making the payments because at that time my boyfriend was helping with some money but now I financially struggling with the car payments and I just finish paying my car taxes in CT because if not I cant renew my registration. they still cant help me to lower my payments. I have called the bank to tell them my situation. Im a single mother and I really struggling making high payments. I pay XXXX every month plus my car taxes and insurance. I need help please I only have one income and capital one cant help me to lower my payments. I wish I can get rid of this car