WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One Spark Business Billing Disputes Department XXXX XXXX  XXXX XXXX XXXX XXXX, UT, XXXX This letter was the dispute of a charge of {$1900.00} on my Capital One Spark Business Credit Card. The charge is inaccurate and false for several reasons. Most notably, I never received my promised goods delivered from the vendor, XXXX, due to their misleading and vague sales practices. I am requesting you return my funds, reverse this charge and credit my account the aforementioned amount, no more and no less, or I will be forced to take legal action plus report your company to the applicable federal and state trade commissions. 

To summarize : After placing a large order with XXXX XXXX, XXXX was enlisted to ship my purchased goods to my physical address. According to Capital Ones terms and conditions, any purchases made from a seller that are deemed to be misleading in nature, or which fail to provide the agreed upon purchased goods or services, are eligible for cancellation and a return of the funds charged. I was both mislead and never received my purchase, whole or in part. I was first mislead after being told my order was set to be shipped to my physical mailing address where I requested the order be delivered. I have documentation showing the orders intended shipping address as being the aforementioned XXXX XXXX XXXX XXXX. This is only one of many misleading aspects of my purchase and subsequent disputed transaction. Below you will find screenshots of our transaction with XXXX and the way they refused to take our payment, then our canceled payment.
I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and XXXX. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to XXXX to verify this debt per the FCRA. I have also repeatedly asked XXXX to verify this negative information as well, but XXXX claims they have verified this. Obviously XXXX is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.
Received a XXXX dollar ( {$50.00} ) prepaid gift card : a debit XXXX  card claiming to be " property of U.S. Bank XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX '' In trying to register the card i find that neither the website www.mygiftcardsite.com, nor the published toll free number XXXX to be working. 

Checking the web i find that his company seems to have a long history of complaints and abuses.
We had a XXXX loan with a company called " Greentree '' XX/XX/XXXX. This was sold by XXXX XXXX XXXX. Due to fraud and misrepresentation of this bank, we were forced to request for loan modification. As the result the Greentree froze the account and kept the balance to {$100000.00} Subsequently, on XX/XX/XXXX we sold the property and paid of all the loans in full in a escow account. Now, we have been trying to re-finance our current property and again, a company called, " Ditech Financial LLC '' which is the same company as Greentree fraudulently reporting a {$150000.00} second mortgage to credit agencies. In addition, this company sold the account to another company called " XXXX '' and added another negative item in our credit report.
Issue # 1 My name is XXXX XXXX and I have been making payments on my private student loans to Navient since XX/XX/XXXX. Here is the problem : - My original principal issued on XX/XX/XXXX is {$5000.00} - My current unpaid principal is {$5500.00} - My number of payments since XX/XX/XXXX are 72 payments totaling to $ XXXX*.

* Includes {$130.00} of fees, {$4100.00} of Interest, {$1300.00} applied towards Principal.

- Total Capitalized interest by lender on my account is {$1900.00} which is disabling lowering my principal.

Navient keeps increasing the interest rate, currently 12.375 % This is absolutely 150 % UDAAP predatory practice. Navient is a thief. My lender is disabling me from ever paying off my student loan.

Issue # 2 My lender is discouraging me from releasing my cosigner due to some of their requirements to release the cosigner, while other lenders don't have these requirements : " The borrower must also provide documentation of the following : Proof of graduation or successful completion of course of study. '' I did complete those courses years ago in XX/XX/XXXX/XX/XX/XXXX but it is a hassle getting those transcripts. Yet, I didn't finish the program. Every time I call Navient about this issue, they refer me to the " form '' like it is above the Federal Lending Regulations. 
Therefore, I can't release my cosigner given all the payments I have been making, which is disabling my cosigner from getting a lower rate for a business loan for their business. 
Ultimately, this is disabling me from being financially healthy and affecting my relationship with my cosigner.

Navient doesn't seem to be an ethical lender at all. Navient is a Champion of UDAAP when it comes to lending. Shame on them. ( definitely going to XXXX ).

Per my research, Navient did the following : - created obstacles to repayment by providing bad information ; - Definitely processed payments incorrectly ; - failed to act when I complained ; - illegally cheated me out of my rights to lower payments, which caused me to overpay for my student loan ; - deceived me about requirements to release my co-signer from the loan.
One morning I woke to find every bit of my private/personal financial situation was hacked from Equifax and now made vulnerable to identity thieves because of Equifax. I am now permanently, for the rest of my like, a potential victim of identity theft at MY expense, regardless of the fact that I have diligently guarded MY private information (SSN, debt, address, etc) on MY end, (safe web browsing practices) for as long as I have been on the internet and used banking/financial services. My information was never publicly available until the occurrence of this breach, and I am incredibly angry because I've never consented to any of this information being retained and freely floated around for hackers to simply steal.
A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now.
Hello! I am writing you this letter because back in XX/XX/2016 I had made a electronic payment to Capital One for {$150.00}. When I received my next statement in the mail it was showing that I was behind a payment. Finding this to be odd since I was given a conformation number showing the payment had been received, I called Capital one to find out what happened. Capital One first said I closed my account. This was not the case, I explained how I have had this account for years. doing further research they found it was a mistake on their part. They told me it was the person who entered my payment entered the wrong account number. I was totally understanding and the said they would wave the late fee and print me a new statement showing the correction. I sent out a payment of {$50.00} in the mail right after our conversation. Now my next statement comes in the mail. I open it to see I owe more late fees. I call Capital One again. I explain what was happening, they put me in touch with one of their specialist because I ca n't afford to pay the high payment that they say I owe. I explain to the specialist what happened, we make payment arrangements. The specialist expresses how sorry they are that this had happened. She also said I still had {$300.00} on my card I can Use. And told me no late fees will show on my account. Just out of couriosity I try to use my card the next day and my card was declined. Each time I try to settle this matter with Capital one we get disconnected when we get to the part of the convertation where we start to figure out a plan to resolve this matter. This has happened 4 times. The disconnection has always been on Capial One 's part. I am very upset to find Capital One has put this dept in the credit beru. 
Now it shows against me in my credit report. I have written to them trying to straighten out this matter but, I still get disconnected.
They called me on XXXX/XXXX/17 @ XXXX I answered they hung up, then they called my mother in law who lives 4 hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it in XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me a XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue the XXXX out of me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.
I'm having trouble disputing and removing a collection account on my report. 
On XX/XX/18 I submitted an dispute for Hunter Warfeild via XXXX in the amount of {$3300.00} based on the grounds of Fraud/Not my mine which the finial Result was : Verified As Accurate And will likely stay on my report. 
This is incorrect, I have NEVER opened or had any account with creditor XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is an rental management company that I have NO knowledge of/Rented from/Applied for credit from. 
On XX/XX/18 I sent out the requested official documents which included court documents, medical documents, and government documentation along with my ID to Hunter, Warfeild via email supporting my claim that I was residing in a different state at the time this account was supposedly have been opened. 
This is my official proof that I have no knowledge of this debt. 
On XX/XX/18 I received confirmation that my notice of dispute has been received, However the notice dose not provide enough information. This is incorrect. I submitted OFFICIAL government documentation along with identification. 
I also requested to see any certified/official documentation that supports the claim to this collection account, I was unsuccessful in receiving any documentation which could help me move forward with legal action.
On or about XX/XX/2018, 7XX/XX/2018 and XX/XX/2018, I sent written notice to Equifax, XXXX and XXXX XXXX that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only Equifax provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXXr immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''.
I closed on my mortgage in the amount of {$160000.00} with XXXX XXXX XXXX for the property in XXXX, Mississippi on XX/XX/XXXXat the office of XXXX XXXX XXXX. The monthly mortgage payment for the coming year was set at {$990.00} of which {$750.00} would be for principal and interest and {$230.00} would go into an escrow account to cover the annual tax payments of {$1700.00} and insurance payment of {$970.00}. The escrow cushion set by the loan service was {$470.00}.

I began paying my mortgage as agreed on XX/XX/XXXX in the amount of {$990.00}. On XX/XX/XXXX I was sent a notice by XXXX XXXX XXXX  that my monthly loan payment was going to increase from {$990.00} to {$1100.00} due to the results the annual escrow analysis showing a shortfall of {$1400.00}.

My insurance premium was paid in XX/XX/XXXXin the amount of {$970.00}.

I began paying the new mortgage payment of {$1100.00} in XX/XX/XXXX.

My tax payment was for the XX/XX/XXXX tax year was paid on XX/XX/XXXX in the amount of {$2900.00}.

Although my taxes and insurance amount only added up to an amount that would have resulted in a mortgage payment of {$1000.00} every month, in XX/XX/XXXX I began paying {$1100.00} as instructed and have paid it on time every since.

In XX/XX/XXXX I was informed that my loan was being transferred to Dovenmuehle and that I would begin making payments to them in XX/XX/XXXX.

As instructed I began making payments in the amount of {$1100.00} to Dovenmuehle inXX/XX/XXXX.All of my payments were on time so my mortgage was not in default.

On XX/XX/XXXX I received a correspondence from XXXX XXXX XXXX XXXX that I the escrow shortage is {$2500.00} and that my mortgage payment would be increased again beginning in XX/XX/XXXX to {$1200.00} due to an escrow shortage.

My taxes and insurance have already been paid for XX/XX/XXXX. Based on my previous years tax assessment and payment and my insurance premiums the projections for XX/XX/XXXXtaxes and insurance will be around the same amount as I filed my homestead exemption in XX/XX/XXXX. I actually calculate my total payment to be {$1000.00}.

However, I am being charged an amount of {$540.00} over my principal and interest payment that will result in my paying a total of {$6500.00} into an escrow account that will only disburse a projected {$3900.00} for insurance and taxes between XX/XX/XXXXand XX/XX/XXXX SOMETHING IS VERY WRONG. Where is the other money going? THIS IS FRAUDULENT DOUBLE BILLING AND DOUBLE DIPPING.

In light of previous housing and banking scandals I am making this complaint to CFPB, HUD, and the attorney general 's office as this kind of double dipping places a hardship on homeowners and will result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.
PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / XXXX account # XXXX PayPal Credit account I was staying current on both of them. After XXXX XXXX ( my last payment to account # XXXX, see evidence XXXX ), I was told by PayPal that account # XXXX had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # XXXX as a PayPal Credit account ( please see Evidence XXXX ). 
You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # XXXX ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # XXXX ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence XXXX ). Thus I began paying down the PayPal Credit as usually ( # XXXX ) as shown through the PayPal.com website and completely paid that balance to zero ( see Evidence XXXX ). 
Little did I know that # XXXX was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / XXXX site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. 
This resulted in me not paying off a promotional no-interest offer by XXXX XXXX ( original balance {$450.00}, see Evidence XXXX ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the XXXX/XXXX/XXXX statement amount to {$290.00}. My proposition to PayPal was to pay the {$450.00} and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than XXXX PayPal Credit account. 
The situation was further exacerbated when I would call in and the representatives would refer to XXXX accounts as PayPal Credit, which I would then assume was paid off. 
I am a good American who takes his debt seriously ( please see my XXXX, Evidence XXXX ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link XXXX accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in XXXX spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design.
A XXXX dollar home was built in our neighborhood. Prior to people moving in, the house largely burned down, creating a major eye sore for the entire neighborhood. This occurred on XXXX XXXX 2009! And, to date, XXXX XXXX Chase declines to assist in any way to facilitate in assisting the neighborhood clean up this ugly mess seen here on XXXX : XXXX NOTE : I have personally, as well as countless others in my community contacted Chase about help. They say they can not & will not talk to us about this, as we are not the owners. However Chase annually pays the property taxes, not to mention " other '' costs, so they have a financial interest in the property. They just do not care enough about the local personal property owners to bring this matter to a close or rectify it by rendering assistance to us!
Back in XXXX of 2014 I started to receive threatening phone calls demanding payment of this debt or that legal action would be taken against me. There were XXXX companies representing XXXX separate payday loan groups. The first was XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX. On XXXX XXXX 2014 I paid a total amount XXXX from my XXXX XXXX XXXX account. I have an email with an attached document stating that the debt has been settled/paid in full. The XXXX group was XXXX XXXX XXXX XXXX who claimed to be representing XXXX XXXX XXXX which I paid XXXX on XXXX XXXX 2014. I have also received a paid in full document from this company as well stating that the debt has been resolved. This may I received a call from Tier1 Asset Management Group LLC who miss represented who and what the were collecting. At first I was told that they were collecting a debt for XXXX in the amount of XXXX. When I called and spoke to a supervisor by the name of XXXX XXXX who admitted that they had made some mistakes on their end and disclosed that what they were collecting was for XXXX payday loans in the amount of XXXX each. XXXX loan was for the XXXX group and the other loan is for the XXXX XXXX. Which have both been previously paid. I had previously set up payment arrangements with Tier1 under the understanding I was paying off my debt with XXXX in the amount of XXXX.
I have received multiple harassing phone calls and received a collection letter by mail regarding a debt that does not belong to me. I have properly notified Nathan & Nathan on multiple occasions that my name & social security number need to be removed from the file because it does not belong to me. The collection account in question is not mine, does not and could not belong to me. A person who shares the same name and used to live in the same city as I is the one to whom this debt belongs. This is not the first agency to inaccurately and egregiously link information from my credit report to a completely different person. These inaccurately attributed collection accounts have the potential to cause financial harm. Nathan & Nathan has failed to respond. Nathan & Nathan has failed to remove my information from this account. Should this matter not be resolved with immediacy, I will pursue legal action to ensure that I remain whole, plus damages, in this matter.
My last payment for this automobile was made XX/XX/2015. The car broke down on XX/XX/XXXX. I notified the car lot on XX/XX/XXXX. The car shows as a repossession on my Transunion credit report. At the time I owed under 4k. The car company never contacted me to say they retrieved the car, offered me an amount to get the car once they repossessed it, the car lot did not let me know that the car was sold to someone else and did not take the amount they sold the car for from the balance I owed. My credit report show I owe {$7500.00}. This amount is incorrect. The car is currently for sale by the same owner just at a different lot.