WillisBack/dataset-financial-user-claim huggingface dataset:
A dispute was filed for a debit card purchase made on XXXX XXXX to XXXX of XXXX, this is a deposit on a vehicle. The dealer was unable to secure the right financing and unable to place order for vehicle, this is a special order for a vehicle not available on their lot.. The time frame for production is 6 to 8 weeks, the car was not ordered and deposit should be refunded. Please note, all this information was included in dispute or should have, it was all explained to rep who took dispute on or around XX/XX/XXXX. I called today XX/XX/XXXX to inquire about status was told an email was sent on XX/XX/XXXX asking for additional information which is more than likely already included in dispute, I have nothing else to explain or inform of. I have received no such email, it was supposedly resent twice and still not received. I wish to reiterate that any and all information was already provided previously to rep who took dispute, its a shame Paypal plays games like this, asking for more information and supposedly resending an email which is not received. Please note, the original email was also not received. Please advise them I need credit for this dispute ASAP and should refrain from requesting info they already have or should have, playing games with their emails.
I purchased a {$500.00} One XXXX XXXX gift card from XXXX 's on XX/XX/XXXX. I used the card online for purchases totalling approximately {$66.00}. When I was unable to check the balance on the card a few days later, I was told by customer service that a hold had been placed on the card and that I needed to send a copy of my receipt, driver 's license and prepaid card. 

When I was able to check the balance the following day, I discovered approximately {$200.00} of unauthorized charges had been placed on the card. Other charges were pending. I then filed a dispute claim with Incomm on XX/XX/XXXX. After a request for an update, on XX/XX/XXXX Incomm stated that " merchant denied refund. Reattempting refund from merchant. Response can take up to 30 days. '' This is the only update I have received from Incomm despite sending two recent emails requesting information. The only information provided by customer service is to " check back in 24-48 hours. '' When I asked if I could access the card to see exactly what transactions had been made, I was told the card was inactive. 

At this point I am worried this claim may never be settled and I may not get any of my money back.
Navient was satisfied in full and paid timely. However, currently reporting five-30 day late payments. spoke to a rep that confirmed that this should not be the case. apparently, their was some inaccurate XXXX dollar charge.
Equifax, despite no assertive behavior on my own, has collected and stored a wealth of credit information about me as a private citizen for years and has now subjected that data to a system breach. This is a fundamental breakdown of the public trust and social contract of our society. We did not ask for these monitoring services and now a *private* company* has lost all that data. The impact of this can not be overlooked. Loss of my data gives bad actors years of information they can use to now attempt to impersonate me or gain access to my online accounts. Please help and let 's get to work changing the way this entire ecosystem of quasi-government monitoring is handled.
My credit card was closed by Bank of America due to a security breach and a new card was issued. The new card was then subject to fraud within XXXX day of using it. There is a credit balance on the original card and the Bank has been unable to refund that balance or transfer to my new card for over a month. I have made XXXX calls lasting over XXXX hours in total and each time have been told the balance would transfer in XXXX days. It has not happened.
XXXX XXXX XXXX- I have sued them in small claims court for an outstanding balance that they state I owed. I proved that I did n't owe the money incourt, but still be harassed by there company and a collections agency-ics systems and is impacting my credit as it keep coming back onto credit report and still contacting me violating court order.
Progreso Financiero now known as Oportun has been harassing me to pay by calling not only my references but also my employer. I receive calls about 10-15 times per day and rarely do they leave a message. The only time they do leave messages is if they were able to speak with someone. They leave messages saying that it is an extreme emergency that they get a hold of me to discuss business matters regarding my account. This company has very poor customer service. Oportun should not be disclosing any of my private information with any of my references much less my employer. Oportun has violated my privacy rights.
I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX  TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.
XXXX and TransUnion are trying to get me to buy and use their own products to protect my credit after the XXXX security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.
I recently complained to Experian to remove the faulty Chapter  XXXX  bankruptcy from my credit report. This was their response : 'According to our records, the disputed chapter  XXXX  bankruptcy does not appear on your current Experian credit report. We are in the process of mailing a current Experian credit report directly to you for review. Please note that mailed correspondence  may take  up to 10 days for delivery through the  US Postal system ... ' However, upon creating a personal Experian account, I noticed th e public record is STILL THERE. AGAIN, Experian is either lying to protect itself against yet another complaint from the CFPB or HAS PULLED SOMEONE ELSES FILE WITH A SIMILAR NAME.     I am really quite tired of people mistaking me for other individuals, especially this guy in Georgia who I have never met . Either tha t, or the company is attempting to defraud or deceive in order to avoid a CPFB complaint, which is illegal.
I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those " high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job, but still not enough to take care of my family and pay off my debt. as of now I will be paying back my debt for the next 20 years. I will not be finished paying me debt until my kids are in college ( that 's if I can afford to pay for theirs ). recently all the le XXXX in north America are closing. so the degree that I was told once held " great weight '' because of the XXXX name will not by worth the paper it is printed on. Now even if I could eventually get the chance to get that high paying job my degree will be worthless in the eyes on my new/potential employers. 
Unfortunately I was one of the many victims of the for profit schools. I will never be able to support my family they way I dreamed of or give them the " American Dream ''. I was tricked my school advisors into thinking I would have this great job after graduating and it did n't happen. Because of the many years of not making a living wage and trying to support my family my student loans are behind and so much interest has accumulated that it will most likely take the next half of my life to pay back. 

XXXX XXXX XXXXXXXXXXXX XXXX
I have disputed with the company, Experian, multiple times and they have yet to describe the method that was used to verify the file eventhough the company stated that they did not have documentation to prove an agreement ( signed document, contract, etc. ). Therefore it is not only inaccurate but unverifiable as well. 

Also Experian broke the law by not sending a letter stating that they had relisted the fraud account on my credit report within the specified time stated in the .FCRA which is 5 days of the reinsert day. I had included a copy of a credit report where the item was removed from Experian report. However I did not receive the letter that it was reinserted let alone being during the five day window of relisting.
I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
This company is calling my work. I notified the original caller that I am not sure about if this debit is mine as I was going through a divorce at the time of the debt in question. I asked them to mail me information. I have not received information and I continue to get phone calls. I can not continue to receive call during my work hours.
I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.
A funds transfer in the amount of XXXX was made from my checking account ending in XXXX to Google Wallet account, canceled within a minute. However, the funds were still taken out of XXXX Bank account, causing an overdraft. A fee in the amount of XXXX is charged for for this, the item was paid. XXXX Bank will not refund this as it is not their error. The email address associated with Google Wallet is XXXXXXXXXXXX
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Entered into a loan forgivness program with navient andthey did notinform at the timei needed to renew the program every year. So now itshows on my credit report 90 to 110 days late.
after my sudden discharge for the XXXX XX/XX/XXXX Myself and Family did experience a long period of homelessness. In XX/XX/XXXXfiled my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That Army & Air Force Exchange Services ( AAFES ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From AAFES Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to AAFES XXXX  XX/XX/XXXXand XXXXXX/XX/XXXXof which only XXXX was owed. I have called and sent letters of dispute to AFFES and their XXXX XXXX XXXX which is part of AAFES several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX  accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX  unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in full XX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
Green Tree consistently sends me mortgage statements that are inaccurate. The monthly mortgage payment due ( reflected on statement ) varies every month even though I have a fixed mortgage. I am set up for biweekly recurring payments. The payments have always been deducted on a timely manner but the statements do not always reflect payment activity. The last statement I received indicates that I have a past due amount ... ..even though all of my payments have been drafted each month.
please see case # XXXX and Case # XXXX in Reference to Case # XXXX. I have previously requested that Equifax removed item # XXXX from my credit report. Due to the improper manner and deceitful manner in which this judgment was obtained ( please review previous complaint to your agency submitted on XX/XX/2016.
In XX/XX/XXXX, I signed a Deed-in-lieu of Foreclosure with Select Portfolio Servicing Company and was told I would be receiving the {$10000.00} relocation assistance check. I never received the check and in XX/XX/XXXX I was notified by the IRS that Select Portfolio Servicing Company submitted a XXXX stating that I received the check. I have contacted them weekly since XX/XX/XXXX and keep getting the same answer that the escalation department has to verify my mailing address information before they can resubmit the issuance of the new check. Every time I call I 'm told this every week and they verify my new address and tell me it will be issued in 7-10 days and then call next week to verify the issuance of the check and once again no check has been issued and they are waiting for the escalation department to verify my address. Unfortunately this department is not available to the public. I do n't know why it is taking so long to reissue a check that they have had in their possession for over a year. I do n't want this to be delayed any longer as I already am dealing with the IRS over doing an amendment of my XXXX taxes due to the document that Select Portfolio has submitted.
The equifax data breach leaked my sensitive data that I believe equifax did n't do enough to protect and it 's insulting that they wo n't even let people freeze their credit for free. So far all that has been offered is 1 year of their own credit monitoring service which did not even catch the security breach.
This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  XXXX   XXXX   XXXX , They have made wrong report to my credit report. My original credit is  Citi Ba nk account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and  XXXX   XXXX  recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   Ther e is two rea son that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
This story begins back in middle to late 2011 with Wells Fago. The company I was working for cut hours and then cut my pay. I contacted WF for help, I was instructed to miss XXXX payments in order to put my acct in a certain help status. Long story short, it too 3 years, but I tonight it was XXXX, until XXXX last year. Some new acct manger, decided to put my loan in a foreclosure status, sent me new paper work to fill out, because they said they never received my original paper. I filed a complaint with HUD, FHA, and XXXX. After it was all said and done, they did not honor the first refi numbers, they gave me a higher payment and rate. Then finally I got someone from corp office at WF, was very apologetic, assured me that none of this was my fault, that she was very sorry for having her company put me thru this and also assured me that my credit history would be zeroed out, cleared of all the wrong doings from them. Also, I saw where my home insurance was extremely high at {$2400.00} per year with XXXX XXXX. I found a cheaper {$950.00} a year and wells fargo suddenly sent me a statement saying my notes have increased by {$350.00} a month then went down only {$9.00} a month. At this point I just hung up and wonder why I had to be put on XXXX. Well, last week I went to trade my XXXX XXXX with XXXX miles on it in and informed the sale lady my credit was n't the best and should be around XXXX. Well, she called and said it was worse than expected at a XXXX. Then I got the call of a 17.5 % rate at a {$800.00} a month note. I made sure she did n't fall and hit her head real hard, then ask if there was delinquencies reported from Wells Fargo, no surprise she said yes. Then she explained that she could n't do anything better because of what and how they have reported my history. She said everything negative on my report is and would be ok, but the Wells Fargo was the deal breaker. I have since called Wells Fargo XXXX times, left voice mails, called and emailed the HUD lady that helped me in the passed and not XXXX person has returned a call or email. So, here I am starting another complaint against Wells Fargo Home Mortgage.
I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the account.
Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
I submitted all documentation to the loan agent who never processed the paper work. Three months later, I have yet to speak to BofA and have processed a new loan elsewhere. Seriously disappointed in the level of service after being a loyal top 1-percenter for over 30 years. The Bank of America team, has been dishonest and fraudulent. I dealt with XXXX, XXXX at XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX ; XXXXXXXXXXXX XXXXXXXXXXXX
I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX XXXX 6.XXXX  XXXX XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX 13.XXXX XXXX XXXX 14.XXXX  I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
All my American Express Membership Rewards points ( XXXX ) were frozen, I can not use or transfer any of them.

It is tough to imagine paying $ XXXX+XXXX   annually to keep cards with frozen points particularly after a freeze prevents me from getting an award ticket.