WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered an age defying collagen eye cream from a vendor on XXXX called XXXX for a total of {$25.00}. The order # was XXXX. It was delivered on XX/XX/2018. On Sunday XX/XX/2018 I  contacted the vendor in order to return the product at XXXX. On Monday XX/XX/2018 XXXX from XXXX responded and said that I would have to return the product back to XXXX with a tracking number and I would be responsible for the shipping charges. Or she said I could get a 30 % refund and not have to return the product. On Thursday XX/XX/2018 I accepted the offer of 30 % partial refund and asked when I could expect the refund. On Wednesday XX/XX/2018 XXXX responded that she had submitted ticket # XXXX to the fulfillment team to process the original payment method and I would receive an email confirming once the process was complete. On Thursday XX/XX/2018 and Wednesday XX/XX/2018 I emailed both times that I had not received an email or refund. I have not had any contact with the vendor since then. No emails or refund.
Navient has ignored or failed to respond to multiple requests for IBR income reevaluation. I changed jobs and my income decreased dramatically, and Navient has yet to respond to any of my form submissions sent both via fax and their online website. Documentation of income was sent in XXXX forms, as a copy of my paycheck and a letter from my employer documenting my hourly wage. I can not afford to pay the amount they are asking on my wage!
TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
On XX/XX/XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a XXXX down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
I never signed a lease with XXXX and they placed a debt of $ XXXXfor a place i did not fill out an application for.
I have a PayPal 2 % Cashback Card with Synchrony Bank. It was subject to fraud over two weeks ago. I was sent a text stating my card had suspicious activity and that I should call the bank. I call the bank and speak with a helpful person who deactivates my card and tells me a new card is on its way. A week goes by and I am surprised to not receive my card. I go to the website to login to make sure my account is still safe, and it turns out my online access has been deactivated -- which I was never informed of. I call the bank and they inform me that not only was card deleted, but my access to my account ( my outstanding balance, my activity monitoring, etc. ) is no longer something I can access until I get my new card and set up my account again.

So, I ask " Where is this card? '' They sent it snail mail and it can take up to 10 days to get to me. So, I get annoyed that they would take over a week to get me back on my feet after fraud and request that they overnight the card to me. They agree after putting me on hold forever. The card does not come the next day ( Friday ). So I hope that I will see it Monday. Meanwhile, the snail mail card arrives in the mail on Saturday. So, I try to activate that. It's dead because I requested the replacement. This makes sense, so I wait for Monday. No card.

I call again -- they have no record of where they sent the card. No address is included with the shipping information -- even though I gave it to them twice. I ask for them to ship it again and give me the tracking number -- they then put on my hold for 30 minutes and I had to hang up. It's been over two weeks and I still do not have a replacement card.
XX/XX/2013, {$9100.00}, This is a Chase Bank card that is an authorized user account that I have never used or had access to. I have requested numerous times to have my name/ss # removed from being linked to this card since I am only an Authorized User and not a primary card holder, I DID NOT apply for this card. This account is in default by the primary card holder and I have requested to be unlinked from the account so my credit is not tarnished by this primary card holder that is not paying the bill.
I have a checking account with Key Bank with over draft protection. The XXXX said my balance went below the balance and they put roughly {$1000.00} in my account. I am claiming the account never went negative and asked the bank to prove where and when that happened. The Bank has n never sent me any statements and it was n't until I went to on line banking that I found this out. The Bank has been deducting min payments out of my ch checking account and interest and annual fees. I have been trying to get the bank to responed since XX/XX/2016.
I recently reported  XXXX  loan servicing to all   XXXX   major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent altisource trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer   XXXX   over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.  XXXX    XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER  LENDER LOAN SERVICER OPERATION SEEKING THE MAX DAMAGES. I ASK THAT ALL  XXXX  MAJOR CREDIT R EPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.
I purchased a laptop computer on line from XXXX XXXX. This is the XXXX XXXX I have ordered and all have been defective and had to return them. I purchased this XXXX through a different vendor thinking that would help. It came to me messed up so I called XXXX who worked with me to fix it however, it did n't fix it. Now it is even worse. I tried to return it as the ship date was XXXX XXXX, 2016. They said it had to be returned the XXXX since I ordered it on that day. This computer is useless and I can not use it. This does not seems right to me at all. I am simply out the purchase price of a defective computer.
I tried to get my credit report and it said my social security number did not match my name and it told me I had loans I didn't get
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 
- See offer below After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
- See confirmation message below On XX/XX/2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX 2016. 

On XXXX, 2016, I did not receive my bonus points as promised. 

On XXXX 2016, I contacted Citi via message again that I did not receive my points. Citibank indicated that they will open an internal investigation. Finally Citibank asked me to contacted them to add and Citibank still have not complete the investigation, keep responding that investigation is in process and points still not add to my American airline account XXXX yet while I am paying monthly fee of {$30.00} to maintain my account. 

Citibank again requested me to provide XXXX XXXX account number for 3rd time and indicated will have the bonus within 10 days since XXXX XXXX and now it 's XXXX XXXX and still did not have my XXXX miles yet. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement by not giving me the XXXX american airline miles to my XXXX account # XXXX as promised Citi must credit my account XXXX XXXX miles immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Please help!!!!
A new hard inquiry was made on my Transunion account for a XXXX card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.
I am a victim of identity theft, I filed a police report back in XX/XX/2017. I sent each credit reporting agencies the documents to fix the issues of fraudulent accounts and inquiries. The reporting agency equifax has been giving me a hard time since XX/XX/XXXX of getting the information removed, I have sent them every document that was asked and still nothing has been done. I was told by them them that I can dispute the information a 100 times and it will still be the same result, I have been hung up on and spoken to very rudely, I have disputed the information more than 10 times. I would like to be treated like the victim and not the thief that stole my identity. This has went on long enough and has become a hassle in my life where I cant get anything due to what is being reported on my credit. I am just asking for the accounts and inquiries to be removed.
I applied for a home equity line of credit from Bank of America mortgage department on or about XXXX XXXX, 2015. 
After months of delay, we were told by XXXX XXXX, manager, XXXX x XXXX that they should have the information available by Friday XXXX XXXX. They did not call and we have not heard a word since. The following week they were called and told to stop the application and return all of the reams of information that they required immediately. 
Again no response.
This was a collection account on my credit report that i wrote/called in to have validated. It is my understanding that this company ( XXXX XXXX ), is not suppose to continue pressing me for the money until dispute is resolved. They have called several times and even demanded that i produce a " student identification ''.
XXXX/XXXX/XXXX - Initiate a withdrawal of XXXX USD XXXX/XXXX/XXXX - Company sends two automated emails. One confirming the withdrawal with a reference number. The second email saying they are unable to process because of a name mismatch. ( See attached " Company correspondence 1 '' and " Company correspondence 2, PDF Files ) XXXX/XXXX/XXXX - Contact support. I had since updated my account details and ensured that my CoinBase account details match my bank details. Support does not answer my question and thinks I am trying to suggest a new feature for their platform. ( See attached Support Thread 1, PDF File ) XXXX/XXXX/XXXX - Automated email saying that the transaction can not be proccessed. The company is still saying the names do n't match. ( See company correspondence 3, PDF ) XXXX/XXXX/XXXX - I receive another email out of the blue about a {$0.00} purchase. I do not know what they are referring to. ( See company correspondence 4, PDF ) When I log in to my account, it is now locked and not fully functional. The withdrawal was canceled, yet my account balance is {$0.00} and I can not view my account or withdrawal history. There is no way for me to re-initiate a withdrawal, and the company refuses to tell me specifically what is wrong with my account details, and how I can fix it. The money is simply missing now.
I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and XXXX XXXX Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.
Withdrew Funds, Balance was not Reflected in Bank Account, although funds withdrawal show up as completed on platform. On XX/XX/XXXX XXXX XXXX. 
Amount is {$11000.00} Contacted support on XX/XX/XXXX XXXX, Case ID XXXX on platform. 

Response on XX/XX/XXXX XXXX. 

Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 



No response since.
My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in  XXXX   XXXX  and paid it off in  XXXX   XXXX . All  XXXX  credit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
I bought a truck through XXXX motors who financed my auto loan with Wells Fargo Dealer Services. On XX/XX/2015 I called Wells Fargo Dealer Services because I wanted to pay off my auto loan. My monthly statement said the principal balance was {$40000.00} as of XX/XX/2015. I spoke to XXXX, a representative of the company. She told me to pay the principal balance of {$40000.00} and that would pay off the loan. She said there would not be any " late payment '' penalty or additional charges. 
I made the payment the same day, XX/XX/2015, and my payment was posted to the account by the company two days later on XX/XX/2015. 
But on XX/XX/2015 I was sent a notice that my payment was not enough to pay off my loan. It asked me to call XXXX. I called that number and talked to XXXX, another representative of Well Fargo Dealer Services company, regarding the notice I received. 
XXXX told me the payment I had made was supposed to be posted as a " payoff '' but instead was posted in error as a " payment ''. XXXX stated that he would correct this error and that I should ignore the bills I had received. He said I would receive a letter regarding the " Payoff '' information soon in the mail. 
On XX/XX/2015, I was called by a Well Fargo Dealer Services employee, XXXX, employee ID # XXXX, and she said XXXX did not do what he promised to do and apparently did not do anything at all. She promised to forward the information of the " Payoff '' to her supervisor and post a note concerning this on the account file. 
Then on XX/XX/2015, I was called by a Well Fargo Dealer Services employee, XXXX, your employee ID # XXXX, I explained to her that the payment I made was supposed to " Pay off '' the loan, the same way I had explained it to the other employees, XXXX, XXXX, and XXXX. She transferred me to a person who she said that would take care of the mistake. 
I was transferred to XXXX and advised the call may be recorded. She then transferred me to her supervisor, XXXX. But XXXX said he would not talk to me about the error. He said that was because he did not want to be recorded talking to me! 
I have paid the full principal balance due XX/XX/2015, as shown on my monthly statement as I was directed to do by Well Fargo XXXX XXXX employees. Well Fargo Dealer Services posted that payment to my account two days later. I have done what I was supposed to do, and all I have gotten from Well Fargo Dealer Services and the accounting staff is a big run-around by employees who apparently do not know what they are doing. I have sent letters to their location with no response. They will not tell me what the outstanding balance if from, how it got there or who made it up. This appears to me as a made up amount after I had paid off the full amount. 
I need Well Fargo Dealer Services to issue me a clear title to my truck immediately. All payments have been made on my part and cashed by Well Fargo Dealer Services. My balance as shown on my statements have been paid and there should be nothing owed as per the documentation and their employees whom I spoke with in XXXX.
Complete XXXX Loan Modification Package submitted to Seterus on XXXX/XXXX/XXXX. They did n't review the documents for over 30 days, making the documents out of date. Updated documents sent and sent again. Called and told the package was complete. Called a few days later and was told there were missing documents and the other agent was mistaken. Sent in the missing documents. Then apparently another missing documents letter was sent to the homeowner on XXXX/XXXX/XXXX. Was not received until XXXX/XXXX/XXXX. XXXX asked for missing docs to be submitted by XXXX/XXXX/XXXX - over the XXXX holidays!! DOcuments not received by XXXX/XXXX/XXXX and file closed on XXXX/XXXX/XXXX. XXXX XXXX at Seterus now saying that file can only be reopened with ENTIRE NEW PACKAGE SENT, and the cycle starts all over. WHY DOES SETERUS DO THIS TIME AND TIME AGAIN?? It 's back to XX/XX/XXXX. XXXX XXXX 's supervisor, XXXX XXXX says we do n't have to resubmit a NEW PACKAGE. We just have to send in the information requested in the missing document letter. What is correct or true? 

Seterus on behalf of XXXX is deliberately not reviewing documents and providing false and misleading information about these files to homeowners and their advocates. 

I just spent 30 minutes on the phone with XXXX XXXX, who said that the file was closed because they were seeking information that was duly provided ( I have emails that show the information was sent ) about a contributor. This also happens time and time again. You send Seterus information and they claim they never got it. 
I still do n't know what to do or what to send and why I have to send everything in again, just to be in the same place in a few months. Why is this going on in XX/XX/XXXX!
I have requested numerous times that an executive calls me. I was also told by an " executive coordinator '' would be in contact with me. No one has called me yet, in which this was over a month ago. Their employees provide customers with false information and provide POOR customer service. Both accounts have been paid on time for over 2 years, in which they fail to increase the credit limit on both accounts. Several of their reps have told me that there is an option to have my credit card accounts, " manually reviewed '' and others have said that this is not true.
I received a bill in XXXX year olds name for a surgery he had on XXXX/XXXX/2015. Im not sure how they put the bill in my sons name since im the person who filled out his paperwork. So I called them after getting the bill and informed them that my son is only XXXX and that they need to put the bill in my name. I gave them all my information and the collector said that she would remove XXXX name but she never did and I kept receiving collection calls for my son and each time they said they would correct the problem, In total I received XXXX calls for my son who by the laws in XXXX you can not collect or enter into a contract with a minor, So when they called today I talk to XXXX who ask to speak to my son and told me it was a personal business matter. I asked the name of the Company and yes you guess it XXXX. I then ask for the Manager ( XXXX ) and told her that I was going to file a complaint if they do n't correct the billing and she laughed and hungup in my face. I then called back and spoke to someone XXXX who said that she was correcting it. I then told her to send me a new bill showing the corrections
I completed an application to refinance my vehicle with XXXX XXXX and was approved on XXXX/XXXX/XXXX and they sent loan documents for me to sign with a interest rate of 4.14 % for a total of {$43000.00} financed amount. I signed and returned the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed the loan amount would not cover my payoff as interest accrues daily and I needed to make a partial payment, which I paid {$50.00} and sent XXXX XXXX the confirmation of payment. I was informed that my loan went to funding on XXXX/XXXX/XXXX and would take XXXX business days for XXXX XXXX XXXX to receive the payoff. By XXXX/XXXX/XXXX I was concerned the vehicle was not paid off and I did n't want it to have a negative impact on my credit so I made the full payment to my old lender. On XXXX/XXXX/XXXX, I received a voicemail from XXXX XXXX stating they made a mistake on my interest rate and that the interest rate increased to 4.79 % with a financed amount of {$44000.00}. This was followed by an email with new loan documents showing the increased terms along with a request for additional paystubs. XXXX XXXX called again on XXXX/XXXX/XXXX to make sure I received the new increased loan documents and that I needed to sign them asap in order to get the loan funded. I informed them that I am currently in a disaster area and affected by XXXX XXXX and trying to get documents copied/notarized, etc. was not possible. Furthermore, after almost a month of the refinance process including loan documents signed, I found it suspicious that the interest rate increases after a major disaster occurs in my area.
I have derogatory information on my three credit bureaus from XXXX, Equifax and XXXX  that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.