WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email. 

I disagree with the initial charge, and also with the amount that was charged. 

I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ). 

Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.
My student loan was suppose to be deferred until XXXX. Late XXXX XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all XXXX credit bureaus that I was late and it dropped my score XXXX points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay Nelnet {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to Nelnet that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted Nelnet repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Suntrust Bank opened up a checking and money market account for me on XX/XX/XXXX. I deposited XXXX in the money market account and XXXX in the checking account. On XX/XX/XXXX Suntrust told me my accounts have been closed due to undisclosed federal regulations. They would not tell me the reason even after going into the branch. They then told me my money would take 30 days to mail back to me. I find this unacceptable that over $ 21k dollars is tied up by the bank for this long.
I have continued to receive medical debt collections from Komyatte and Casbon over the past XXXX years that were sent to collections prior to being paid to the medical facilities
1. I disputed a bill for {$4900.00} in XXXX, and the merchant provided Amex with a fake sales invoice, falsely claiming I signed the sales receipt and picked up the merchandise from the store. I never went to the store, never signed any sales receipt.

2. Amex is asking me to pay the bill, while a collection company is also seeking to collect the same payment from me.
my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but XXXX/ mortgage co did not correct the error after several reminders. 

mortgage co is : OCWEN LOAN SERVICING LLC LOAN # XXXX
I was completely stunned as soon as reviewed my credit file and I found the past due payment of 30 days lates os af XXXX 2017 I  truly do n't understand how this error has gone wrong. I really believe that I had produced my fees to you as soon as I was given my monthly bill. My sole thinking is the fact that your monthly report did not make it to me. How can I have a late charge when I sent in the payment?
I have a credit card with Capitol One to which I did a balance transfer based on their advertisement of 18 month free interest. Now that I am nearing the end of this period they will not provide me with any information regarding the end of this term. They will only confirm it via phone which makes me very uncomfortable as I believe they are setting me up for failure and an eventual default. I spoke with XXXX employee ID XXXX who stated they do not provide any tangential proof to confirm this end date that was not adding up to the 18 month mark. The employee was rude in responding to my requests to explain why on the chat system online a XXXX date had been confirmed and now he is stating the expiration of the deal is in XXXX. This felt very suspicious. This information is not listed on my statement or online. This date is only confirmed via phone representative which is unreliable should I have an issue later on.
I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.
Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not.
On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. 

XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. 

We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.
On XXXX/XXXX/XXXX, my wife tried to make a purchase on XXXX, but it got declined. My wife called me and said whats going on. I contacted Chase and I was transferred to multiple departments. Then I was told my account is being under review and therefore the card was declined on purchases. This was unnoticed and unforeseen. This kind of business practice is unacceptable. I have perfect credit history and no debts. I dont see the reason here as to why my account is closed. I called today XXXX/XXXX/XXXX and the lady told me my account is closed due to the short history with Chase Bank. With my credit experience in the past, I have never dealt with a bank like a Chase before. This is not how you treat prospective customers.
They continue to call and threaten to sue me if I do n't pay for an old debt that I have already paid over XXXX years ago. I kept telling them I do not owe but they said they will sue if I do n't pay. I do n't owe this debt. I just received a call and found out the company name. ARA inc .
I use to have a credit card with XXXX XXXX XXXX .They have been reporting for several years that I was late on payments which I was not.I paid the account off in full and they are reporting it as a charge off.After 2 years of trying to work with them and a Verbal agreement that they would remove the damaging " Charged off '' status..They have not. 
I demand that they remove the charge off from my credit reports.The account is at a XXXX  balance and this is constantly damaging my FICO score.
XXXX took an unauthorized money {$540.00} onXX/XX/XXXX from my Checking Account No.XXXX  of Bank of America , which I never authorized. I never established any account with XXXX. I contacted Bank of American more than a dozen times. But Bank of America did not help me, while XXXX told me that your money is here with us. Ask your Bank ( BOA ) to file ACH or Charge Back to get your money back. XXXX  sent me emails the first one was on XX/XX/XXXX stating, " Please contact your bank immediately to report the unauthorized charges. Your bank will also tell you how you can be credit. '' Messages Date Subject Reply Status XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXXView read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Unable to pay claim - No error occurred XX/XX/XXXX View read message Important second request - Please complet required affidavit Online reply expired XX/XX/XXXX View read message Important - Please complete required affidavit Finally, XXXX issued a check to me which I deposited yesterday, XX/XX/XXXX.

I am officially filing this complaint against Bank of America, as BOA did not cooperate or helped me to get my money back.
On XX/XX/XXXX I signed up for credit monitoring service with Trans Union for the monthly fee of {$19.00}. At that time, I accessed the service and viewed my credit score for Trans Union and XXXX. Both showed XXXX. On XX/XX/XXXX, I filled out a mortgage application as a cosigner for my daughter. On XX/XX/XXXX, I was notified that I had been denied based on my middle credit score not being high enough. I asked the lender my scores that they used, I was advised my scores were XXXX, XXXX, XXXX and minimum required was XXXX. I immediately contacted Trans Union on the XX/XX/XXXX to check my score and they said their records showed a score of XXXX for both them and XXXX. Obviously, there is a serious problem in the accuracy of the reporting. Paying for a service which does not provide accurate information is fraud. If the information provided is not correct, where does the consumer get accurate data on which to base decisions?
I submitted a complete modification package on   X/X/17    . I was advised my loan was assigned to underwriting on  X/XX/17   . I have been asked to submit the same documents and updated documents and i have sent them everything they need. I started this in  XXXX  and it is  XXXX  now. 4 months and they tell me every time i send something in my loan goes to the bottom of the list and that the review can take  2-8  weeks to review. It has been more than 8 weeks now. Please help me.
I sent letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.
I need XXXX XXXX and Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX  XXXX in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXs five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXX XXXX   with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXXuntil it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX  and the receptionist of the XXXX at XXXX XXXX XXXX XXXXs. XX/XX/XXXX- After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XXXX, then XXXX  along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XXXX. This company is reporting a debt on my credit report that another company has. The other company, XXXX XXXX could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX  remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX XXXX  in XX/XX/XXXX. The XXXX of XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XXXX  Attorney General XXXX XXXX.
I dont understand how my private loans 2 weeks ago had a balance of {$100000.00} And today it is at a balance of {$110000.00}. I dont understand, and furthermore, I dont understand why my son was made a co signer when he was never listed on the website and when I asked that he be removed, he was then added to website. I placed a complaint a while back about this. Im not satisfied with this response since there is already a primary co signer to this account, XXXX XXXX. Even though my payments have not been late for the past 24 months, I have not been able to remove my son, XXXX XXXX. The reason is because Im paying the interest off. I am sorry, but currently that is all I can afford.
Experian is reporting  XXXX  negative amounts that are  all 7years or  more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow  XXXX   XXXX   XXXX  ...  .30 day la te  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX    XXXX   XXXX   ... ... Collection  XXXX  ... I have no idea who this company represents  XXXX   XXXX   ... ... . .. ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he  XXXX   XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Franklin Collection Service Inc is in violation of HIPAA Privacy Violation. This collection agency did NOT provide me a HIPPA RELEASE that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA RIGHTS. 

I have requested for VALIDATION, NOT Verification from FRANKLIN COLLECTION SERVICE on XX/XX/18, XX/XX/18, XX/XX/18. 

On XX/XX/18 FRANKLIN COLLECTION SERVICE ON reply to my dispute letter, where they have violated my HIPAA rights sending me my medical information without providing me a HIPAA release form giving them access to my medical information. I have disputed with XXXX and XXXX five different times and they have yet take this extremely seriously As I have received a response from the collection agency that clearly violates my rights according to HIPPA. I have documented my case without error.
I failed to pay my last bill for {$100.00} with XXXX in XX/XX/XXXX. The account was sold to Diversified collections agency. I paid the full amount to Diversified in XX/XX/XXXX with the verbal agreement that they would delete the derogatory information from my credit report. Not only did they fail to uphold their part of their agreement, but they reported to XXXX " Settlement accepted on this account ''. This is false. I paid the full amount, and I paid with the agreement that this would be deleted from my report. Additionally, because I paid the account 3 years after it XXXX went delinquent, this will not fall off my report for 3 additional years. I have been penalized for making good on my debts.
Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : XXXX Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.
This is in regards to my Care Credit account which is a credit card. Care Credit is a subsidiary of Synchrony Bank. There was a fraudulent charge on my account for {$750.00} on XX/XX/XXXX from XXXX in XXXX, CA, I live in XXXX Ohio. Care Credit is not allowing me to make a payment on my account for the balance that I had prior to the fraudulent charge. Care Credit has admitted that they have mishandled my account while investigating the fraud and due to that are now unable to take a payment. They are advising me that I now have a credit on the account and there is no balance owed. I spent 1 hour and 40 minutes on the phone with them today to find out that their Risk Department has mishandled my account, they do n't know when it will be fixed and they ca n't take a payment because it states I have a {$0.00} balance. The representative on the phone advised that the only recourse with the company that illegally used my information was to get a lawyer. No resolution was provided or ETA for the errors caused by Care Credit to properly fix my account.
After my first 2 years of paying for my loan, I went to make a payment and it doubled. When I called to find out what happened, I was told I 've been making interest only payments and that timeframe just expired. I was very unhappy to hear this because not only did I expire all the interest only options preventing me from using this in a future time of hardship, but it set a very unfair expectation on my budget that I then had to stress to Remanage suddenly. Oh, not to mention, this expectation was either set poorly or not at all from the beginning. In the desired resolution section, I elaborate on their forbarence process and how that works and some very concerning parts of that process where I feel this company takes advantage of its loan borrowers.
2 creditors that seem to lack logic and adequate information to paid services is 1. Equifax 2.    XXXX  On   XXXX   XXXX   XXXX   I made a final payment to the collector "   XXXX   XXXX   '' located in Florida used by  XXXX   XXXX   XXXX  to pay a debt of  XXXX  which as finalized on  XXXX   XXXX ,   XXXX   I called  XXXX   XXXX   XXXX  today (  XXXX  ) regarding the wrong information still posted on my credit report by both creditors stating i still owe  XXXX  which is a complete lie and fraudulent accusation against me.  XXXX   XXXX   XXXX  in turn called  XXXX   XXXX  with me on the line (  XXXX  convo ) asking to have me removed as i show a {$0.00} balance on thier records,  XXXX   XXXX  complied with the statement the case of owing {$480.00} has been paid in full and is now closed. But the creditors they claim they reported this too have ignored it and refuse yet again to comply. I have had it with this nonsense of these entrepreneurial companies playing with peoples lives like mine
I was attempting to enroll in Trusted ID Premier / Equifax in order to lock my credit information. The link they sent to my email address only allowed me to register information to verify my identity ( which was successful ) but never continued forward to provide required password information. Instead, the registration screen froze for one hour, after which time I disconnected from the site and attempted to try the email link again. The site then instructed that I had already activated my account and to log on to the Trusted ID Premier website. However, because I do not have a password, I can not enter the site. Attempting to re-enroll was not successful, nor was attempting to use the provided email link repeatedly. Thus, while Trusted ID Premier states that I have an activated account, I can not access it without a password. I tried calling two of their phone numbers over a period of days but wait times were excessive, yielding no results. Dates involved :XX/XX/XXXX
I have credit card account at Kohls.
I made online purchase of XXXX  on XX/XX/XXXX and never received any bill or payment reminder for this balance.top of that, I am struggling to schedule auto pay for this account from last couple of years. every time when I call for auto pay assistance, they say it 's under payment option when you go online. I ca n't find any auto pay option. find attached file for all payment option.
In addition, they charged {$15.00} late fee in XX/XX/XXXX and reported my account to credit bureau. They should have at least inform me before reporting to credit bureau. Moreover, they charge {$37.00} again in XX/XX/XXXX as late fee.
so basically my balance is as of now around {$81.00} with all fees where my original purchase amount is only {$26.00}. Associate was very rude while talking and when I ask about the reminder they said you are responsible for the balance and we did contacted you in other form. I do not have any other contact channel.
I recently tryed to apply for capital one 360 custermer service told me I already had a account. I never had a capital one 360 and want something to be done about this account under my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Ssn XXXX XXXX XX/XX/XXXX