WillisBack/dataset-financial-user-claim huggingface dataset:
Have been trying to cancel my monthly subscription with Experian ( https : //www.experian.com/ ) credit reporting. It's been over 4 months they have not cancelled or responded back over cancelling membership. 

I have emailed them couple of times. Called company a lot times. 
They tend to keep on hold people for cancelling subscription and never pick up or respond back. 
I was able to get in touch one time with representative but they did not cancel subscription and dropped call while in between. 

At first I thought this was because of huge traffic. After a little bit of research I found that it's the problem with everyone. Company Experian does not entertain cancelling membership subscription XXXX XXXX XXXX Complaint against experian can be found here
On XX/XX/XXXX, I bought a {$1900.00} ring at a XXXX XXXX XXXX with their sponsored XXXX   credit card. I noticed the store charged me incorrectly so I took back the purchase and returned it and then recharged the card for the purchase. It's been a month and the XXXX  card company still hasn't refunded the original {$1900.00} purchase and they keep saying they are investigating for a month now when a three minute phone call to the store would solve the issue. Furthermore, I set up a payment of XXXX dollars to pay what I should owe, and they somehow took XXXX from my bank account without my authorization! Now they won't let me delete my bank account in order to wait until they fix the amount owed and therefore the payments. This is XXXX dollars I do not owe and an unauthorized payment increase! Please help!
I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.
This company has ruined my life. They are reporting Im deceased and Im alive. I was XXXX and a hospital commuted malpractice and now is falsely reporting things that has delayed my tax return, caused problems with jury duty, and got me denied among other things. This isnt fair and Im not dead. I pray to XXXX people stop saying that and speaking bad things on my life.
The current issue I am having is with Synchrony Bank/JC Penney. They have been improperly reporting to XXXX   credit report agency. Synchrony Bank has been reporting a date that is inaccurate. They said that the last payment was on XX/XX/XXXX. The account was closed in XX/XX/XXXX and I had made no payments in the year of XX/XX/XXXX The last payment that I had made was XX/XX/XXXX. The date of XX/XX/XXXX should not be listed as a last payment. It should reflect as last payment XX/XX/XXXX. Just by them reporting this date inaccurately has lowered my credit scores by a fair amount.
XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as Quicken Loans and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. Quicken Loans denied us after we went over the information due to some unknown issues newly found. XXXX and Quicken loans working together. XXXX  { XXXX   } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX. XXXX. so that is how this began.
We refinanced our Citi mortgage with another lender in 2009. Citi failed to file a lien satisfaction / cancellation of debt for the loan that was paid off through the refinance.
Experian is in violation of the FCRA. We have contacted each individual company via certified letters without method of verification or any viable evidence that these accounts are being correctly reported to you. Since the letters were sent out on XXXX XXXX means that you have failed to report correct information on my report. The section reads : FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I have attached a copy of my credit report and highlighted the accounts and a copy of the lawsuit you are named in the event that these issues come off of my report. Please remove the highlighted accounts from my report. 

Please refer to Case number : XXXX. You have failed to provide me with the proof that the inquiries listed belong to me or to someone else. You also failed to respond to my rebuttal of the dispute within 15 days. There is a {$1000.00} fine for each occurrence. That adds up to {$16000.00}. We will be seeking this amount in damages. 
Here are the inquiries in question once again. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
On XXXX/XXXX/2016 I transferred money from Bank of America to Bank of America XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to BOA XXXX Accounts, a visit to my local BOA branch and assurances that my money would be returned, I can not get Bank of America to return my money.
I paid my mortage for XX/XX/XXXX through XXXX XXXX XXXX online banking portal on my computer. I received a phone call on XX/XX/XXXX for the first time from Ocwen stating they had not received my XX/XX/XXXX mortgage. I spoke with a representative and stated the mortgage was paid on the XX/XX/XXXX on online banking through XXXX XXXX XXXX. I then pulled up my XXXX XXXX XXXX and saw they sent my payment to XXXX XXXX, my husband 's car loan company. I explained that XXXX XXXX XXXX made an error. The representative from Ocwen called XXXX XXXX XXXX and we had a 3 way phone conference call and XXXX XXXX XXXX refused to acknowledge their error and couldn't get Ocwen the money due to it had been sent to XXXX XXXX. I was unemployed at the time and did not have money in my savings or checking account neither did my husband to cover an immediate payment to Ocwen. I then had to call XXXX 's XXXX with my husband, and had a discussion in which XXXX XXXX said they would have to mail back the check to my husband and it would take 7 to 10 business days. Ocwen was also on this 3 way conference call. I was informed from Ocwen due to the error there would be no late payments. I was also informed our credit report would not be contacted for late payment. I was informed due to the XXXX and XXXX XXXX   holiday, XXXX XXXX couldn't guarantee the check would be to us before the XX/XX/XXXX.  The check arrived on XX/XX/XXXX and Ocwen was paid on XX/XX/XXXX after the check had cleared. I also paid our XX/XX/XXXX mortgage payment before XX/XX/XXXX. On XX/XX/XXXX even though all of this information was made a record of on my account I began receiving harassing phone calls from Ocwen about my XX/XX/XXXX mortgage payment and received them the next month on XX/XX/XXXX.  Also, our credit report was lowered because Ocwen reported that our mortgage payment was over 30 days late even though I have never been late on a mortgage payment and Ocwen had a record of what happened to our XX/XX/XXXX mortgage. I had a dispute with XXXX and called Ocwen who will not take down this late payment stating that legally Ocwen had to report this late payment and that the only way Ocwen will correct the dispute is if XXXX XXXX XXXX sends them something in writing stating their mistake. XXXX XXXX XXXX won't acknowledge the mistake since it was done on their website. This incident is one of many problems I have had with Ocwen where one time I paid our escrow off at the end of the year otherwise our mortgage payment would have gone significantly higher due to our escrow being short for the next year. I put a payment coupon and put the check stated this was for correction of escrow and Ocwen applied this payment to our mortgage instead of the escrow. It took my 4 phone calls each lasting an hour and a half to straighten out their mistake. Also, I have up until the XX/XX/XXXX of the month before my mortgage is late but if you pay after the XX/XX/XXXX of the month Ocwen calls your payment a remittance payment. This payment is not a remittance payment since legally I have until the XX/XX/XXXX of the month grace period to pay my mortgage without a penalty.
I contacted 360 Mortgage group on XX/XX/XXXX regarding endorsing a insurance check from damage occurring to my property from hurricane Florence. I was advised by a representative named XXXX that my mortgage had been sold out to XXXX XXXX XXXX  as of XX/XX/XXXX and they were not endorsing my check. I even offered to overnight the check to 360 mortgage and pre-pay for them overnight the check back to me. After reaching out to XXXX XXXX, XXXX advised me they had no records of receiving my mortgage from 360 mortgage and they could not help me. After playing phone tag back and forth I called 360 mortgage back and XXXX again answered the call and I advised him of what XXXX XXXX had said he then again refused to help me. I asked to speak with a supervisor and he refused to let me speak to one saying one was not available. Can someone help me? I need my house fixed and the contractor is ready to start. I have tried contacting the insurance company but without documents from 360 mortgage stating my mortgage has been transferred they can not change the name on the insurance check. 360 mortgage is refusing to provide documents for this transfer.
This is in regards to XXXX XXXX / XXXX XXXX XXXX. 
It is related to two accounts where I asked for proof of ownership and validation. 
I requested this information on two separate occasions Please see attached validation request letters dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. 
Midland originally used XXXX XXXX and XXXX XXXX to contact me. I requested validation from them ( XX/XX/XXXX and XX/XX/XXXX ). I received a standard " non-specific '' response stating that they " are uncertain of what I was disputing ''. I clearly requested documentation from XXXX ( aka XXXX XXXX XXXX is who responded ). 
Again, on XX/XX/2018 I requested validation and requested very specific documentation for both accounts. Again, on XX/XX/XXXX ( by mail ) received the very same template response. 
I have attached all of these documents to this complaint. 
XXXX XXXX XXXX and XXXX XXXX has failed to send any valid documents to me to reflecting that they are the true creditor on these two accounts. I am requesting them to cancel the accounts and cease all collections. So far to my knowledge, they ( Midland ) has not reported any account to my consumer credit report.
I checked my credit report on XXXX XXXX, 2017 and noticed that I had a collection that had been reporting for the past 3 months. I was never notified of the debt, nor was the debt ever verified. I found the website for RGS Financial and chatted with a representative named XXXX XXXX at approximately XXXX XXXX XXXX. I made it clear that I never received any notification of the debt, and also asked for her to verify the debt for me. I have not received a response.
Starting in XXXX of XXXX, I texted my salesperson XXXX XXXX and I called XXXX XXXX XXXX, er Service to ask for copies of the receipts for my purchases and that I was disputing the balance owed to them. The receipts are the long strips of paper generated when I made the purchase, signed by me and describing the purchase. 

Every month I spoke with XXXX XXXX to remind them I had not received the requested receipts and that I was disputing the balance. When Capital One closed my account in XXXX XXXX, XXXX XXXX Customer Service failed to notify Capital One who owns their credit cards that there was a dispute over the balance owed. 

XXXX XXXX returned merchandise to me that I never received. They refused to file a claim for the lost merchandise with the shipper, XXXX XXXX. They refused to acknowledge that I was asking for a credit for the lost merchandise. 

This failure has caused my account to be closed and damaged my credit score.
On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.
The creditor is from TCS Thunderbird Collection and they were on my XXXX account since I owed the debt since 2013 but then XXXX XXXX fought them to get it off and they came off my credit but then they came back on under my XXXX report which is fraud. You ca n't resubmit a debt that has already come off a report so I need you to investigate them and let them know they need to come off. XXXX XXXX will continue to fight them until they come off my reports and they are direct violation of the law.
For the countless number of years Bank of America places forced hazard insurance at the expense of the consumer, regardless if you have sent them a new binder and paid in full from the insurance holder. This is an annual event that I have wasted far too many hours on the phone, in which I do not get paid for and I am sure somehow BOA is making money off of this scam.
For the past 3 months I have been trying to get XXXX and Equifax to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with XXXX  and Equifax and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.
CAPITAL ONE HAS FAILED TO REFUND MY ACCOUNT FOR SEVERAL CHARGES TOTALING OVER {$1100.00} THESE CHARGES WERE NOT AUTORIZED AND NOW CONTAMINATED MY CREDIT CARD.SEE ATTACHED.
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  XXXX  I disputed the following charges on my credit report with   XXXX   XXXX   and   XXXX   i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and the al l (   XXXX  ) CB could not show me a verified contract and the balances still remain on my report  XXXX   XXXX   XXXX  - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00} Credit Bureau  XXXX   XXXX  Acct  XXXX  - reported bal {$260.00} Optimum  Outcomes Inc.   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX    XXXX   XXXX   XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  - Reported bal {$390.00}
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX   , XXXX 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, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Hello i am writing to report Franklin first financial company. This company is unethical, unwilling and unresponsive with the loan process i am currently in. I am dealing with this company over the past six months and still we are unable to close a loan. I understand issues were involved on our part with the contractors initially however after all the paper work was submitted still no response still no answer. So in short this is what my family and i are going through. We are being swindle everyday with unrealistic dates, we appointed one person to handle calls and communication however when he calls his calls are either 1. ignored 2. send to voicemail 3.forward to a number that leads you to a number that does n't work. The mortgage bankers are very incapable in this company. They promised a 48-72 hour document review feedback however i have never received a feedback in this time period. These bankers are very slow they work reactive instead of proactive. The process has being so slow and exhausting that i had to submit documents not once or twice but three times. The major problem i have with these bankers are giving us false hopes, false dates, ignoring consumer telephone calls and other deceptive practices. When the compliance officer reached out to me it was the same thing they blamed us for not submitting documents on time however if they stood to there promise this would n't be a issue. Please help me understand why this company has to used deceptive practice.
I have a Bank of America credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur.
On XXXX/XXXX/17 I submitted a workout package to be review for a modification loan. I received a letter from my lender ( NationStar Mortgage ) advising I was denied because they could not set me with an affordable payment. In the letter is does not state if my income was high or low, when I submitted with workout package I never received a letter stating they received my documents and that the file was in review or any document pertaining to my modification. A few days ago I received the denial letter, I 'm not happy with the outcome because they are not specifying why I did not qualify. I called today the lender and the representative told me that they reviewed me for a Flex Modification but I did not qualify because they could not give me an affordable payment. I asked her if they do the review in base of my income and she said NO, so how do they get to the conclusion I did not qualify. I asked her to explain and she was not able to give a reasonable explanation. I am demanding a real explanation, not just I did not qualify
Navient. When I was experiencing financial difficulties they told me I have no opinions. For years I paid what I could covering interest only. They falsified information I could have used to pay off my loan earlier.
I took out a XXXX loan in XXXX 2015, they were not clear in the terms, though I questioned them, and was provided false answers since then they have been garnishing my account every two weeks for at least XXXX some weeks XXXX, I have called multiple times, and tried to pay them in full, but have been unable to, I 'm being told that 's not how it works, I have paid over XXXX for this loan so far, I just want to be able to pay it off and be done. Please help.