WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. 
XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. 
XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. 

I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. 

Very Truly XXXX XXXX XXXX XXXX XXXX.
I made a request for a copy of the online application filled out online to get this credit card XX/XX/2018.

I did not receive.

May I have a copy of my application filled out online to get this credit card?
I have made contact with XXXX, XXXX and Experian for the past four months in 30-35 days via certified mail and phone calls.
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX, USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and Experian credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, XXXX, and Experian verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.
I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through transunion, XXXX, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. Transunion, XXXX, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.
My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments.
Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility
I consolidated all my loans with FedLoan. It 's supposed to be a loan forgiveness program, but it 's obviously a scam. I 'm on an income based payment plan, every year I have to fill out a form stating my income the previous year. They have raised my rates continuously every year since I signed on with them. I ca n't afford the constant increases, and have appealed to them, but they continue to raise the payments. They go by your gross income, which is not truly reflective of the pay you take home. They say that it does n't matter than your gross income is n't your take home pay, or that you may have other bills. I have decided to get out of the Fedloan forgiveness program, as it is obviously a gimmick to make you pay as much as possible before they actually forgive the loan in 10 years. I think they should not be allowed to use your income before deductions to determine what rate you can afford to pay back. To anyone thinking of consolidating their loans under Fedloan, I would discourage them from doing so. The XXXX '' Program is a fraud.
On XX/XX/ I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major XXXX XXXX XXXX, I am at a lost of how to resolve this issue as this theft has ruin my life.
Bank of America 's website did not give me an option to pay my note on the XXXX and XXXX of this month. I have been paying on this bill for around 10 years. I 've never been late.I 've almost always paid my mortgage on the XXXX or XXXX of each month, as this is when I get paid. I make sure not to go over 30 days, however, the month of XXXX had 31 days in it. I went to pay my bill on the XXXX of XXXX, which fell on a Friday and was met with the drop down button not allowing it. I tried on XXXX XXXX, which fell on a Saturday, to make the payment again and was with an error stating that Saturday was not a business day. This forced me to schedule the payment on XXXX XXXX, that Monday. This is online payments and it should n't of mattered if it was a business day or not, as long as the payment was made. I have now been informed that Bank Of America has decided to report on my credit report a late, which will damage me! This is not fair and my records will show that I have paid my bill on the same date of each month. How am I to be penalized because Bank Of America did n't allow me to make an online payment on XXXX of those days, yet the record shows that I scheduled on XXXX XXXX for the XXXX of the month ( the only option )? There was also nobody to speak with over the phone as that department was closed.
I am one of the many millions of Americans affected by Equifax 's massive security breach. 

Equifax tried to cover up this breach for an entire month while its leaders sold their shares of the company stock. Meanwhile, my credit card was used fraudulently. 

Equifax has not worked quickly or diligently enough to notify affected consumers, instead putting the onus on the public to check their hastily built website to see if they are affected. The onus should be on them, not us. 

Finally, said website sneaks in language in its Terms of Service to try to trick users into waiving their right to sue Equifax for their conduct in this breach, the coverup, and its aftermath. 

All of this is unconscionable and I hope the CFPB does everything possible to punish Equifax.
There is fraudulent transactions resulting from identity theft. I provided Navy Federal Credit Union with a FTC Identity Theft Affidavit and they have not complied with the laws to remove unauthorized transactions nor stop reporting incorrect information to credit report agencies.
Credit Karma has a tv commercial that shows a couple looking at buying a house, and the person helping them - infers it 's a Realtor or mortgage person - saying " all we need to do is check your credit score. '' - then showing a credit score and the person says " It 's yours. '' Credit Karma does not show a lending score and the commercial is misleading, inferring that you can expect to get loan approval with a credit score from Credit Karma. This is totally untrue as almost all mortgage lenders look at credit scores from XXXX, XXXX and XXXX, all of whom use generation 6 FICO credit scores, as part of their lending approval process. This puts the mortgage company in the uncomfortable position of explaining the difference to the potential borrower, especially since Credit Karma has misled the public with this commercial. They should be sent a cease and desist demand immediately and fined for their misleading information.
I got a few calls from this company and they listed their name on my voicemail ; now my wife knows ... .. We're getting a divorce ... .. They should never say their name on a voicemail .. Please help and stop them ..
My wife and I bought a new vehicle from a local dealer. The financing was placed through Bank of America. After receiving the first billing, I attempted to pay online. This did not work. It was a trying circumstance to establish the online presence. I ended up calling in and making a payment over the phone. 
The second month payment became due and I was agin unable to get the website to recognize me. I ended up calling an XXXX number and got a wrong department and was transferred. That call then lasted 17 minutes and led to more frustration.
As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.
I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX CAPITAL ONE AUTO FINANCE Inquiry : XX/XX/XXXX - Finance CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card, and they charge a {$49.00} annual fee. But, since XXXX  XXXX recently acquired XXXX XXXX, they are discontinuing the credit card, effect XX/XX/XXXX, approx. 

I called to cancel the card, but now say I still owe the {$49.00} fee, but it will be prorated. 
I want it canceled, and I do n't think I should have to pay the fee for I wo n't be using it, nor have any services available to me. 

Thank you.
I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.
Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.
XX/XX/XXXX I made a balance transfer from XXXX XXXX XXXX XXXX and a check was mailed to Macy 's credit card in the amount of {$1100.00} to pay off my account with XXXX XXXX. The check was mailed on XX/XX/XXXX and was cashed by XXXX XXXX department store on XX/XX/XXXX. I called XXXXXXXX XXXX a few days later to ask why the money had not been credited to my account otherwise making another payment due to XXXX XXXX. I was assured that it would be credited within 3 days and I would not have to make another payment to my account. I thought everything would be credited and my balance would be XXXX after that.Then I received an email from XXXX XXXX  on XX/XX/XXXX, stating that a payment was due on my account. I called XXXXXXXX XXXX and learned that my account was never paid off and is in dispute ... .I was never informed that my account was in any dispute and the customer service person that I was taking to refused to give me any more information. I asked to speak to her supervisor and I was told the money was applied to another customers account and they could not figure out to whom they applied it to, so my account is in dispute. I was informed that XXXX XXXX asked for a copy of the check from XXXX on XX/XX/XXXX to verify that funds were sent to my account, but XXXXXXXX XXXX will still not release payment to my account. I contacted customer support at XXXX XX/XX/XXXX and the customer support person put all of us on a 3 way call XXXX was told the same thing. My account was put into another 21 day dispute by XXXXXXXX XXXX   starting on XX/XX/XXXX and now I am making another payment to XXXX XXXX. Since this time my XXXX credit card that I transferred the balance to is now due and I am making 2 payments for XXXX XXXX. I am unable to resolve this mater and would appreciate any help I can get.
On XX/XX/XXXX I had attempted to purchase a XXXX XXXX XXXX   from a web site. I provided the merchant with my Capital One credit card and the charge appeared as a XXXX charge XXXX for {$99.00} After the item did not arrive for two weeks, I decided to track the package using the link provided by the merchant. I found out that the merchant had requested the package back, after it bounced to multiple destinations for 2 weeks. None of the destinations was my address, and I never received the package I e-mailed the merchant about this and notified that I never received the item. The merchant promised to reimburse me in full for the item in writing. I did some research on this merchant, and I found a web-site dedicated to scammer on the internet where I found people writing about purchasing from the same merchant and never receiving the item, and merchant just charging the credit card.

I never got reimbursed, so when I called Capital One in XX/XX/XXXXand spoke with a representative, I was transferred to the fraud department to tell whole story. Capital One had opened a fraud claim about this.

As a result, I got a reimbursement by Capital One for {$99.00}.

After few weeks, Capital One charged me {$99.00} again for this item. I called the fraud department again. The representative explained that the merchant provided them with an on-line confirmation about the purchase. They had advised to access the claim online and upload all correspondence between the merchant and myself, including the e-mail confirming the merchant promising to return the money.

I followed all the instructions and uploaded all documents Capital One went ahead and reimbursed me {$99.00} in XX/XX/XXXX.

In 2 weeks, however, Capital One placed {$99.00} charge again.

I called again ( around XX/XX/XXXX ), and spoke with a customer representative regarding this. He had explained to me that he will create another claim. He informed me that the previous claim was incorrectly created as a fraud claim, and that the fraud department concluded that it was not fraud in the end.

He had explained to me that the new {$99.00} charge does not need to be paid and new documents would be sent to my mailing address to dispute the latest {$99.00} charge.

After 6 months of going back and forth, I learned that the charge is still there, with a an additional interest charges and a {$25.00} fee for a late payment. I never received any documents to be filled out about the new claim.
I obtained a single-use security freeze lift PIN from Experian and provided it to XXXX during a credit limit increase process. XXXX told me the PIN would not work for them to obtain access to my credit report. I then paid {$10.00} to temporarily lift the security freeze from my credit report. XXXX says they still can not view my credit report. The freeze is in place as a result of the Federal OPM data breach. How do I obtain credit if Experian will not honor what is published on their web site?
Within less than a month my credit score has gone down XXXX points to XXXX went up to XXXX and down to XXXX from Experian. I am not sure if this is in retaliation for filing a previous complaint with the CFPB ; which they have not addressed yet. I need Experian to fix this negligence with people 's credit score. Nothing new has been reported.
On XXXX XXXX XXXX I Entered in to contract with XXXX XXXX XXXX XXXX of XXXX Arizona to remodel the master bathroom in my home in XXXX XXXX # for XXXX XXXX handling the project is XXXX. The dollar amount of the contract is {$15000.00} and work was scheduled to commence on or about XXXX XXXX XXXX and scheduled for completion XXXX XXXX XXXX contract contains a binding arbitration agreement and the full XXXX of the contract was set up on a Lowes Credit Card XXXX XXXX paid over 84 month period at 8.9 % interest.I made my first payment as billed by Lowes in XXXX of XXXX XXXX I have made 4 payments and am current on payments.The problem is Lowes is not performing XXXX work as scheduled. They did not start work until XXXX XXXX and due to workmanship problems stopped work on the XXXX of XXXX to switch subcontractors. and thus far have completed only the demolition portion and a small portion of the actual installation They have not done any work since and my calls to Lowes only results in promises that have not been kept.I dont think its right for me to be paying interest payments on work that is no where near completion.They have no incentive to catch up and get on schedule.As a consumer I can not seek legal assistance with a binding arbitration agreement and a threatened lien on my home I am defenseless against their glaring contractual default
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandle d MY loan mone y so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.