WillisBack/dataset-financial-user-claim huggingface dataset:
There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help.
I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.
Grocery store located 2 states away notified me that an employee found " my '' debit card in the ATM machine. Card still has activation sticker and is issued to my old legal name. This debit card and associated account was obviously opened fraudulently. Have only the debit card number. Spoke with issuing bank ( Citibank ) and the most they would do was cancel the card. Citibank would not provide any further information, citing that they could not verify my account information or identity, nor would they at least freeze the account pending an investigation. They then directed me to contact XXXX and led me to believe it was within Citibank. Turns out it is FTC. I have already placed a fraud alert through a credit reporting agency and looked at 2 of my credit reports for any suspicious information. Since the credit reporting agencies deal with credit and not with bank accounts, XXXX advised me to contact the Consumer Financial Bureau, from which I was advised that I could file a complaint. I think Citibank ought to at least freeze the account in question pending a thorough investigation. Canceling the debit card while helpful is insufficient action since the card was already abandoned. I also need to know when, where & how the account was opened for reporting & investigative purposes. I can not track down the perpetrator ( s ) and press charges if I can not find that person ( s ).
I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX   in 2013. I  lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. 

The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.
I received info about XXXX XXXX XXXX XXXX as an option to help me lower my monthly payments on my loans. I contacted them and they were very friendly and helpful and I have been utilizing them for four years now. Then my husband graduated and I told him to do the same because it was great. So he did, but this time they were calling themselves Ameritech. Still very nice and very helpful and although that seemed weird we went with it. Then two days ago we received a letter from the United States of America Federal Trade Commission advising us that Ameritech was being sued for deceptive practices and that we should look into our services. I contacted my lender to learn that I was on a $ XXXX  monthly payment due to a family size of XXXX. That is much larger than my family is. I did not understand that is how my monthly payment was so low. I paid them {$49.00} each month for four years in addition to initially paying them {$1200.00} over four payments to initialize the program. So for four years I have had a " {$0.00} '' payment and paying them each month, all the while my interest has been sky rocketing on my student loan. My husband pays them {$74.00} each month for a " {$0.00} '' monthly payment. I feel so ignorant now that I didn't see this as deceiving until we called to check in with our lenders.
I opened a sole proprietorship, XXXX XXXX XXXX XXXX, in XXXX. In XXXX, I formed a corporation, XXXX XXXX XXXX XXXX, and my sole proprietorship expired and so I closed my XXXX checking account at Union Bank and got a new one under the corporation name. 
About XXXX, I had some late payment to XXXX XXXX and XXXX company, our local utility, so they wanted me to get a CD so I could guarantee payment, which I did thru Union Bank. 
The years passed by and on XXXX XXXX, XXXX, I retired, closed my business and filed for dissolution of my corporation. By this time I had closed my checking account at Union Bank and had switched to a different bank. I kept that new bank account open to conclude any final business transactions and deposit the check for the {$820.00} CD from Union Bank. 
But when I went to Union Bank to collect my money I was told I would have to open a new checking account under the name XXXX XXXX XXXX XXXX because the CD was in that name. They did not seem to understand that that name had not been used in 20 years but they were not going to do anything unless I did what they said. I was gong to do it until, luckily, I decided to first call my local District Attorney 's consumer fraud office and they directed me to call the CFPB. Hopefully, you will able to help me. 
I have attached two documents, first, a letter from the utility, XXXX, dated XXXX XXXX, XXXX, stating that the CD # XXXX was cancelled XXXX XXXX, XXXX and second, a letter from Union Bank, updating the current status of my CD. I believe all the account numbers, addresses and contact information is on the two documents. 
Please call or email me for any additional information or clarification you may need. Thank you very much.
Ally Financial accessed my XXXX credit report without my consent : Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX
I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )
I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.
Bank of America charged my account {$300.00} overdraft fee. 

When i had roughly {$150.00} i purchased from XXXX some small cheap stuff ( {$3.00}, {$4.00} worth XXXX transactions ). For some reason the Bank kept this transaction 'pending/processing ' for 5-6 business days. When i checked my account at the ATM it gave me a missleading info saying that i have {$150.00}, so i withdraw some cash as a result my account came to zero but still positive. After few days i open my account to see negative {$300.00}. 

The problem is i was provided wrong info about my account balance, they kept old transactions pending for too long and charged when i had zero account. 

Why do not they process the transaction on time? There was a holiday ( XXXX ) i understand, then why they do not help me to write them off if it happened due to holiday?
I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Navy Federal Credit union preauthorized transactions that closed my account. 
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.
On XX/XX/2018 I made a {$560.00} cash deposit ( all $ XXXX ) in the Santander Bank ATM located on XXXX XXXX in XXXX, RI. After accepting the cash the machine flashed a quick error message ( wasn't time to write it down or take a picture ) and returned my ATM card. I immediately called the XXXX number on the back of the card ( while remaining at the ATM ) and was told there was nothing they could do but open a case. I asked that the bank manager phone me first thing in the morning to discuss. After not hearing from the bank manager ( XXXX ) the next day, I called and was told there was nothing she could do for me as it would have to wait until the ATM was settled and that occurred once a week or so and she wasn't able to provide a date as they had no set days/times. She referred me back to the number I called the day before explaining she had nothing to do with the ATMs. I called the number yet again and this time spoke to someone who appeared competent and gave conflicting information to what I had asked before. They deposited the money in the account while they performed their investigation. I received a letter on XX/XX/XXXX dated XX/XX/XXXX in the mail stating the review as complete and there was no proof the error occurred and the funds were taken from my account. I immediately phoned Santander again and placed another dispute regarding this and asked how the investigation was done and didn't really get an answer to my question. I asked if they bothered to pull the video and he noted they don't typically do that but would note in my file I requested the video be reviewed. I was told it would take approximately another 48 business hours for them to issue another temporary credit. I asked that a manager phone me to discuss. It is now XX/XX/XXXX and I have not heard back from the bank and am still out the money. Any assistance you can provide on my behalf or information regarding my rights is greatly appreciated. Thank you for your assistance in this matter.
The debt collector reported a debt to the 3 credit agencies on my behalf on a debt I never received mail or even knew I have because all my medical bills are paid through insurance
After years of aggressively reaching out to Wells Fargo to assistant with an affordable home mortgage, a modification was finally extended to me. This offer has helped me to save my home from foreclosure status and preventing me from losing my home in an auction. Although an modification offer has been extended, I do n't understand how this is an affordable option. The original principal amount is {$320000.00}, Wells Fargo has added an additional {$130000.00} to my original principle amount making the new principal {$460000.00}. This excessively exceeds the current market value of my home. The current market value for my home is approximately {$29000.00}, the original principal amount was is already an upside down mortgage, I do n't understand how adding an additional {$130000.00} to my principle balance is suppose to assist with my current situation or make this an affordable offer. The value of my property will never be worth {$460000.00}. Why is Wells Fargo pushing to increase my loan amount to exceed the value of my property in lieu of working with me to provide an affordable offer. What is Wells Fargo anticipating if I need to sell my property in a few years? Am I anticipated to short sale and damage my credit that I am currently working on repairing? 
The breakdown of {$130000.00} is not clear to me, nor should is be included to my original principal loan. Also, the additional {$130000.00} does n't make any sense. If this is for taxes and insurance, the total cost should be approximately {$60000.00} for 5 years. I would like to get this issue resolved sooner rather than later. 
I have been reaching out to Wells Fargo for years to avoid late charges and try to resolve this issue, but I kept getting the run around, or just rejected. I had to file bankruptcy in order to save my home from going up for auction. I feel as though Wells Fargo is intentionally making it difficult to provide an affordable home mortgage that is equivalent to the market value. 
I have successfully paid the 3 month trail payments, but not enough time was provided to vet through the modification offer. I have agreed to the offer to prevent my home from going up for auction, but understand I have 30 days to make changes as needed. I 've submitted several letters asking to waive all additional fees to avoid the upside down scenario with my home, but have n't received a response. 
I do n't understand why Wells Fargo would increase my original principle amount to exceed the current market value of my home. Currently, the market value of my home is already less than the original principal amount. How is increasing the loan amount even higher to exceed the value of the home making this an affordable home mortgage? I am a single mom and if I decide to sell my home in a few years, I will be in a worst situation due to the balloon payment that has been added on by Wells Fargo. My investor XXXX XXXX, is not requesting the additional fees, these fees are all from Wells Fargo, and I would like it to be removed and really making this an affordable offer that is in line with the market value.
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. Equifax sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
My name is XXXX XXXX from XXXX XXXX XXXX I have been working with PNC Loss Mitigation Department and I need your help! Our file is being refused for review because previous companies have failed to do there due diligence in correctly completing the short sale application. I spoke to XXXX XXXX from the Loss Mitigation and she had explained company policy but I beg you on behalf of the HomeOwner and myself to please assist in this matter. The HomeOwner has an auction date of XXXX XXXX. We have a full file and fully executed contracts with a Cash Buyer. Please see attached documents and help me in this matter.