WillisBack/dataset-financial-user-claim huggingface dataset:
I made transfer to myself by mistake on XX/XX/XXXX in the amount of {$72.00}. I then call in on XX/XX/XXXX once I realize the mistake and the fund has not been return to me.On XX/XX/XXXX Western Union responded to my complaint saying send the a copy of my bank statement that I provided them on XX/XX/XXXX and re email it in XX/XX/XXXX do to the fact that I did not hear back from them. So I call back on XX/XX/XXXX the customer service rep stated that it was received on XX/XX/XXXX and if it wasn't refunded by XX/XX/XXXX. To give a call back that I didn't and another customer service rep said that it has not been work on give them today it been well over two months.
XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.
We have been holders of the Amazon credit card ( Chase ) for many years. Over the past 10 years or so, we have paid every monthly balance in full AND on time, and have accrued no interest. On the XXXX statement, the balance due was {$1800.00}, and I inadvertently paid only {$1600.00}, leaving a balance of {$170.00}. On the XXXX statement, we were charged {$21.00} interest for the shortage. By my reckoning, that amounted to about 145 % annual interest for the shortage. We then paid everything that was due, plus the interest, plus a few dollars just to be certain and ON TIME! On the XXXX statement, Chase charged us {$38.00} for a fully paid balance! Their answer to me was that since we were short the previous month, they had a right to charge interest whether it was due or not. I requested the interest be waived, and they said it simply ca n't be done. Is n't this usury?
Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD XXXX
This company is so unprofessional. They have yet to respond to my complaint let alone fix my online account! I have asked several times to get my online access to be fixed and no one will do ANYTHING to fix it. I have tried countless times and NO ONE does anything ... I REPEAT ... .NO ONE. 

this needs to be removed off my credit report asap or i will get legal involved!
I have called Navient several times to resolve this issue but can not get to a real person to discuss this and keep getting advised by an automated system that I owe {$0.00} ( even though money is being taken out of my bank account monthly to pay them off ).

I have recently switched my primary bank account to another bank, and with this have been trying to close my previous account. However I fear that I can not as I tried to contact Navient to have my auto-draft payments come from my new bank account so I can close the old one out. There is no option on their website to do this, nor has anyone been able to do this on the phone. This doesn't seem legal at all and should allow an option to change your bank account if need be.

I'm infuriated with Navient for this as well as their lack of documentation on loan details, but this shouldn't be allowed to go on without consequence or resolution. 
Thank you.
This is a classic bait-and-switch scheme. Finance of America gave me an Estimated Prequalification Cost Analysis on XXXX XXXX, 2016, quoting a 3.75 % interest rate, 0 % points, and {$440.00} Lender Credit ( please see attached. ) I signed a Loan Commitment with Finance of America on XXXX XXXX, 2016, locking in an interest rate of 3.75 % and total points of 0 % ( please see the attached ). The lock was set to expire on XXXX XXXX, 2016. After paying {$430.00} for my appraisal and going through a long underwriting process, I was informed that " circumstances have changed. '' On XXXX XXXX, 2016, I received a Changed Circumstance Cover Letter asking me to sign a new loan estimate with additional {$1200.00} in origination charges ( 0.725 % in Points and the loss of the {$440.00} Lender Credit. ) Even though my loan amount went down from {$160000.00} to {$140000.00}, my Loan Costs, net of Lender Credit, went up from {$1300.00} to {$2800.00} ( please see the calculation sheet attached ). I have reached out to XXXX XXXX, the branch manager in XXXX, NC for resolution, but he is unwilling to honor the Loan Commitment. Please help.
I have a complaint against Experian and the inability to contact a person to resolve a relatively simple issue regarding my credit. I have an extended fraud alert on my credit account due to the theft of my wallet five years ago. I need to add a phone number to the fraud alert so that I am able to verify my identity with a bank in order to get a credit card. I have been able to contact both of the other credit agencies and have my number added. However, Experian makes it impossible to contact a customer service representative by telephone to request this change. I sent an email to Experian on line to request information on how to make this change and got an email response that sent me back to the same phone system that does not allow you to speak to an actual person. That Experian has control over my ability to access credit and makes it impossible to speak to a customer service representative is inexcusable.
IN REGARDS TO ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX I HAVE DISPUTED THIS ACCOUNT WITH THE BUREAU AND IT HAS COME BACK VERIFIED AS ACCURATE AND THIS CAN NOT BE RIGHT BECAUSE THIS IS NOT FACTUAL. THIS INSTALLMENT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED AND I HAVE PROVIDED PROPER DOCUMENTATION AND THEY HAVE REFUSED TO REMOVE THIS NEGATIVE ITEM FROM MY CREDIT REPORT.I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN USED TO OBTAIN GOODS AND SERVICES I NEVER AUTHORIZHED OR SIGNED FOR.
XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
I have several repeated accounts in which show on my credit report for these student loans. I am a public service worker and tried to get into XXXX of the repayment programs, however a re presentative that I spoke with told me that I spoke with told me that my payments will be higher and this just needs to be paid. Meanwhile I know for a fact that XXXX of the schools I attended no longer exists. 
XXXX XXXX XXXX - XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I obtained my free credit report through Equifax and was able to download it. I decided that I also wanted to purchase my credit score after I had logged off. I followed the instructions on the Equifax website to call the automated telephone system. I followed the prompts and entered my credit card information. The automated system stated that it needed to transfer me and then disconnected before confirming my purchase. I called Customer Service at Equifax and spoke with three representatives. The first did not understand XXXX ; the second verified that my purchase had been made but could not verify if the information would be mailed to me ; and the third was neither able to verify that the purchase was made or that anything would be mailed to me. I am very frustrated that the Federal Trade Commission would use this company as XXXX of the XXXX reporting agencies when the company can not provide me accurate information about whether or not my credit card was charged. It also needs to be made explicitly clear on the XXXX website that if the credit score is not purchased at the time the report is ordered, it will be very difficult to purchase the score.
CFPB COMPLAINT - XXXX UNLAWFUL COLLECTION PRACTICES XX/XX/XXXX XXXX is violating state and federal collections laws by harassing me for a paid-in-full one-time rodent abatement services ; a paid-in-full XXXX quarterly yard spraying schedule, and continued billing on an auto renewal I did not authorize see recent billing statement. 

As a result, on XX/XX/XXXX, I sent to XXXX with a copy to XXXX   XXXX, Cease & Desist for abusive and unfair collection practices, erroneous unwanted services, collections harassment. Yet they blow up my phone with non-stop collection calls all day, all week for six months now. 

I have written them, called them and spoke with several collection people, having to repeat myself over and over, yet to no avail. 

The Public Relations department calls and calls, Office of the President, I call back, and they dont return calls. Then they call again leaving the message : have you talked to the local office? 

I never authorized a continuation of services past XXXX I paid for the four ( 4 )  quarters for XXXX IN ADVANCE for yard spraying. I have attached the cleared item check # XXXX for {$390.00} which cleared on XX/XX/XXXX. 

With respect to the rodent abatement, removal of five dead fat rats, insulation removal, attic sterilization, new insulation, I paid in full the {$3400.00}. There are tenants in this property so I moved quickly to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX
XXXX cable provided service to me for years so the account is not in itself fraudluent. I ended up experiencing an event that resulted in significant damage to my personal property. XXXX system failure was determined the cause and XXXX at the time admitted to the issue and offered me dollar incentive as an apology and to re-sign a longer term agreement. Due to significant loss and disatisfaction with service I communicated my intent to discontinue service, they agreed at time to let me out of remaining contract and final billing was settled. 2 years after the termination of agreement and no communcation from XXXX XXXX XXXX called my cell phone in order to collect {$120.00} for the closed account. I notified convergent of the facts and asked them to mark the account as cease and desist and that the debt in question wasn't valid or owed ( XX/XX/2017 ). I called back a couple of weeks later to check up on the processing and was told still being researched. never heard a word since. Today I checked my credit report I doscivered this debt still being reported delinquent/owed and they still have not validated per my request. Please help me naviagte the removal of this invalid debt
on traded in my car for a new car in XX/XX/2017, I was told I owed nothing else by the dealership, I them received not one but three bills total in reference to closing the lease. 
As noted in my attached letter, after paying the first bill and being told I was again paid in full I received a second and then third charge. Paid # 2, on 3 I requested written documentation of taxes as I owned the car for 2 yrs and  they were billing for 3. I was abused and repeatedly told by Honda Financial, to go to my town and get the info, that they had no info and that they did not care what my rights were. If as the announcement says on their greeting this should all be recorded. 
They reported me as delinquent to a credit bureau although this is not allowed under consumer law when a charge is in dispute. Finally after receiving a mildly plausible written explanation I paid them on XX/XX/XXXX a settlement amount they requested. I did write " to pay debt with acct # in full '' on check along with letter I sent with the check also confirming that. They proceeded to put me in collections for XXXX. I only requested they remove the information on my credit report and accepted their settlement ( not mine  ) as payment in full. Documents attached
Complaint against Experian. 
I received a letter from the above mentioned company dated forXXXX-18. Stating that the credit reporting agency refuses to re investigate a dispute filed on my behalf. I have previously requested for Experian to provide me with their method of verification for the accuracy of a claimed debt into my credit file. Experian replied to my request with a letter referring me to review my credit report. In which, my credit report does not indicate Experian " METHOD OF VERIFICATION ''. It states who the creditor is and their contact information. That is not a method of verification. There is no person contact name listed in which the debt was verified with and I was not provided with any documentation that was used to verify the disputed information. This has been an ongoing issue with Experian. I am asking for Experian to be investigated for not complying with the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). It is my right under such legal act to be provided with appropriate documentation by the credit reporting agency of verification. It has been over 15 days since my original request and as of today Experian has failed to provide documentation of verification.
My XXXX/ wells Fargo account was late due to military obligations. I told them my account had changed and I was in an area without any communication which resulted in those unforeseen late payments. They denied me late removals and closed my account. I am still paying and trying to resolve this issue without luck as of now.
I took my car for transmission to a mechanic by the name of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( COPY ATTACHED ). they told me they can fix the problem on my car and they give an invoice in the amount of XXXX which i had paid for it with my chase credit card knowing if they could not do the job and having difficulty with this company i can contact chase and have them take care of it for me. week after XXXX XXXX XXXX XXXX XXXX contacted me and notified me my car is ready and i can go pick up my car. immediately after i picked up my car it broke down and we had to towed the car to them, few days later i got a phone call that my car is ready the same thing happened my car was not working and had to towed the car to them, again and it happened again after picked up my car for the third time which i decided this time to take it to another mechanic called XXXX XXXX XXXX and this people charged me {$2400.00} and they fixed up my car which i do not have any problem with it. I contacted the XXXX XXXX XXXX XXXX and asked them for a refund and they refused to refund my money back but they told me bring the car back and we fix it and i told them no thanks. Chase send me a paper to fill out to get my account credited after i filled up the paper works they told me they can not credit my account.
this is basically a continuation of my Complaint # XXXX, why I would like the Consumer Financial Protection Bureau to know that bank of America did not uphold it's promise to release my funds. 

I also want the Consumer Financial Protection Bureau to know that bank of americas and its representatives lied to me and they all gave me 6 different reasons why they can not release the funds, and there was only one department which I spoke to a representative names XXXX that told me which documentation I need to email him and then he will release the funds. 

I want the Consumer Financial Protection Bureau to know that I have emailed XXXX several times again and again and there's no answer. I an being ignored. 

I will attach to this complaint everything which I also attached to and provided to Bank of America, and I ask the Consumer Financial Protection Bureau to please give it over to bank of America.
I have been unable to make over the phone perdon-to-person direct contact to converse with on any matter related to my home loan mortgage account status including the currently assigned single point of contact ( XXXX ), anyone within the XXXX 's unit, or the XXXX 's supervisor. The Bank of America customer service representatives I have been able to get on the telephone do not count as they do not have access to the information I need and have been trying to connect with the XXXX to get. I have left several messages with the XXXX and have yet to receive any response addressing my multitude of concerns.
I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's another person 's name on my file, and there 's still an adverse account that does n't belong to me listed on my credit report. I DO N'T recognize the other person 's name, NEVER had that account, and my credit reports from XXXX and XXXX do n't have such nonsense. I 've contacted Experian OVER XXXX times and wasted too much time because of this nonsense.
I have been disputing a business account that is reporting to my personal credit profile by the credit provider, I have disputed this item for some time now and have not received any documentation from the credit provider or the credit bureaus regarding their investigation process or any documentation they reviewed regarding my dispute.
I have sent four written request ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
I have a tenant that was evicted long story but back rent was ordered to be paid. Left in my mail box was check for XXXX Dollars in the tenants name but endorsed over to me. I was unsure if the check was real. on Wendsday XX/XX/XXXX I went to US Bank XXXX XXXX XXXX XXXX XXXX XXXX for help with this. The teller took a copy of the check and said they would get back to me, they bank never did. I deposited the check in the ATM it was returned. I called customer service who told me to contact branch manager. It took 3 calls ... my calls were never returned in reasonable time finally I called a third time getting a women bank manager.. I did forget to write her name but this was Friday XX/XX/XXXX at XXXX. She told me SHE would not take a third party check. I explained I had no way of contacting my ex tenents but the check was endorsed to me. She was very aloof and did not really seem interested in helping me. I do understand you have to have policies and rules but as my Bank for well over 25 years I feel you should be able to work with your customers and at times make exceptions if you value and want to keep customers or mabe as a huge Bank you do n't care. So I am a single mom XXXX to me is a lot I have no way of cashing this and MY BANK is not willing to help.I feel also that bank manager could use some sensitivity training as stated very aloof and not in my bank ... really her bank? I want the name of a person above her..I am sure it will not help but I strongly feel I should get help with this. Again I do get the policy but lets see if you can work with your long term ... 25 year customers.
I am a current XXXX XXXX who has been trying to place my loans in XXXX XXXX forebearance. I have called to my loan servicer, Navient, numerous times to provide the appropriate paperwork. They have also confirmed that this paperwork is not something I can download but rather they need to produce and either electronically send to my inbox or mail. 

Months have gone by and I still have not received the appropriate paperwork. Meanwhile, I have been having to pay fees due to the fact my private loans still are not in XXXX XXXX forebearance
I ordered & paid for a black Jersey with Red numbering on XX/XX/XXXX from XXXX I asked for a status update on my order on XX/XX/XXXX ( order XXXX ) I received the Jersey on XX/XX/XXXX, it was gray with military print numbers, it did not look anything like the jersey in the order I contacted the seller, after providing pictures of the wrong jersey, i received an email say they are sorry for the inconvenience, told me shipping is expensive, and offered me a discount on a future order. 
After emailing the seller did not result in a return label, or anything other then a apology for the inconvenience, i tried to dispute the transaction. 
{$53.00} for the item & shipping, {$1.00} foreign transaction fee I tried to dispute the charges after i looked up the company online, and the email that i'm getting replies from shows pages of other people that were scammed by this company. XXXX SCAM They have since taken down the website i used to order the jersey, but there are countless others. 
Citi card ( 2 % cash back card ) stated since i'm still in possession of the jersey, they will not honor the dispute. I have explained to them several times that the seller is no giving me an option to return the item. 
I'm hard pressed calling it a dispute it is fraud, since all the complaints are the same, order one thing, get something else, don't offer any meaningful way to return the item and the credit card company refuses to honor the dispute.
On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX  reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX  have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.