WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX   client  XXXX   XXXX  is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are  Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank,  certified mail with return receipt     X/XX/2017   which  Barclay  Bank did receive. A recent credit report  X/XX/2017    still shows the  Barclays  inquiry listed with the credit bureau  XXXX .
Company called me 3 times in a row after hanging up on me the first time. This is harassment
Good morning, I retrieved my credit report and credit score from the annual credit web site. I called Coamerica Bank and spoke with XXXX XXXX from the HELOC department and informed her that my credit scores is XXXX and I have declared bankruptcy 5 yrs and I have a discharged 4 years ago. I informed her numerous time what was Coamerica credit scores criteria and bankrupcty criteria as I was interested on a HELOC for $ XXXX ( my primary house value is {$370.00} ) the CLTV would be 35 %. She mentioned in order to know if Coamerica would accept it, I would have to apply. I did and after 10 days, Coamerica denied my HELOC based on these issues. I could have prevent it and although is minor, it would n't affect my credit scores nor taking her time, nor mine. My issues is to either coach and train the employees at Coamerica so any future consumer will not go through the aggrevation. The disclosures are great however ; product knowledge from the initial contact would be better as the consumer would know whether to proceed or not. 

Thank you
Provided necessary documents for loan Deferment and updated credit reporting on over XXXX different occasions and the company has yet to do so. XXXX XXXX is a XXXX XXXX XXXX XXXX who needs to maintain positive credit keep to maintain his security clearance and the company is interfering with such endeavors. XXXX initially provided these documents in XXXX upon entry to the service but your company never updated their records, causing the loan not to show deferred but unpaid and also to default when XXXX was under the impression it was deferred for his time of service. XX/XX/XXXX at XXXX XXXX I Placed the1st Call to Nelnet XXXX XXXX, transferred to XXXX XXXX He instructed me to email current Orders for XXXX XXXX to XXXX & XXXX and they would be able to update the credit reporting from delinquent to deferred at least for the remainder of his XXXX. Sent documents and a recap of our discussion on XX/XX/XXXX at XXXX XXXX. No response sent second email XX/XX/XXXX at XXXXXXXX XXXX. XX/XX/XXXX @ XXXX Placed second call and spoke with XXXX who informed me she needed backdated orders to update the system and they had received no emails pertaining to the situation. I informed her I would submit the documents for a third time and pursue complaints and possibly litigation if XXXX neglected this issue any longer. Provided third request XX/XX/XXXX at XXXX XXXX. After no response, requested again XX/XX/XXXX at XXXXXXXX XXXX. Received response of that request would be reviewed within 15 days and no other info regarding request on XX/XX/XXXX at XXXXXXXX XXXX. Sent final request after company did not follow up after requested 15 days on XX/XX/XXXX at XXXX XXXX. Also sent seventh and final request by email to the ceo and all department email addresses I have been in contact with.
My debit card has been hit for 2 months service with Experian in spite of the fact that I cancelled 2-3 months ago. Cant get anyone on the phone to help resolve this matter after hours on hold and they wont respond to emails.
I first filed a complaint on or about XXXX/XXXX/16 about XXXX, and their deputy director XXXX XXXX, but I never heard back from you about this matter. Since that time I have learned that he has instructed everyone at XXXX not to speak to me or even answer my e-mails. 

He is doing everything possible to make it difficult for me to use their home improvement loan in order to get anything done.
I had Citi credit card for more than 10 years. I have arranged to receive a paper statement and never want to change it to paperless. How ever whenever I use the card, Citi Card company repeatedly changes the statement to paperless and failed to send me a paper statement. As I dont use online statement, I repeatedly called them and told them not to change to paperless. Immidiately, they start to send a couple of statements and then they stop again and again more than ten times. By not sending a reminder statement, they have collected late fees and interest unfairly. They have also adversely affected my credit rating. Why do the government let Citi card get away with such bad business practice?
Before XXXX took over my loan I was with SPS ( Select Portfolio Servicing, Inc. Loan # XXXX ) They did a loan medication for me please see attached documents for proof. Apparently when my loan with SPS was transferred payments were missing to XXXX that were not and paid. On XXXX XXXX, 2014 When I spoke to Nationstar from accounting department he noticed that SPS did not send my loan medication documents and a lot of documents were missing including payment history when the transfer took place. When I spoke to XXXX they were not aware that there was a trial period for a Loan modification and approved before the transfer. In the meantime, there were payments and escrow missing which should not. I was told XXXX didnt receive XXXX, XXXX, & XXXX 2014 payments. Of which Proof of payment history showing XXXX and XXXX 2014 was paid to SPS. When XXXX payment was mailed to SPS Ck # XXXX I was told by SPS that they received this payment and will over nigh it to XXXX tracking # XXXX. At first XXXX told me in XXXX 2014 that they did receive the XXXX 2014 payment and even gave me the check number. After 3 weeks when that check didnt cash I called XXXX and was told they did receive the payment, but dont know what happen to it and if I can put a stop payment on it. Well the next day I received from XXXX a letter with the check stating they are returning it because they dont know where that payment belongs too. So on XXXX XXXX, 2014 not only I wrote another check # XXXX replacing ck # XXXX I also mailed XXXX 2014 payment. So Since XXXX 2014 no one has done anything to correct this issue. From XXXX 2014 till XXXX 2014 I was harassed every day or 2nd day that there is payment missing and my account is past due. Each time you get a different person and I had to explain no when they check my account they see notes and tell me we see proof of payment, but we are very sorry no one has done anything with this. I was harassed and was told research will be done and corrected no one did anything. I was told this will take up to 30days to fix the problem. In the mean Time Im being harassed with phones calls and receiving forecloser letters. On XXXX XXXX, 2014 I was harassed so much and stressed out so much from XXXX irresponsible and unprofessional staff that it caused me to go to the ER with a XXXX XXXX of XXXX that they immediately took me in to give me medication thru the XXXX to bring the XXXX XXXX and not cause a XXXX XXXX. And yes XXXX did call me in the morning on XXXX XXXX, 2014. I have  no problem providing proof of documents that I was at the ER that day and what my XXXX XXXX was. As of today I still have not receive reimbursement back for over payment that I was forced to pay to avoid foreclosure. Please help me get my money back.
Situation : Opened a dispute with Chase regarding partial transaction of service missed from XXXX XXXX. Chase rebilled partial charge credit back to my account on XXXX XXXX claiming merchant will not offer refund to Chase because they claim I did not miss out on any of the transaction, which is untrue. Story below. 
We missed our XXXX flight on XXXX XXXX due to the airlines could not locate our seats, they told us we had not paid the merchant, because the merchant had not issued us seats. I spent 4 hours that morning on the phone getting our original ticket numbers and once the airlines looked it up, they said there was a system connectivity issue. They said they notified the merchant after XXXX XXXX multiple times to issue us new seats because XXXX and XXXX had merged, but XXXX XXXX never issued new tickets. XXXX blamed the airlines saying they did issue new tickets, but that the airlines had not re-issued us new seats. In the meantime, we did go to the XXXX Gate because the flight info had updated, but we could not see behind the scenes that we had no seat assigned due to system failure. Neither the airlines nor the merchant would accept responsibility, and kept blaming XXXX another. We missed the first full 24 hours of our all-inclusive vacation at our resort due to this issue, and I had to pay for a hotel for our layover in NC that evening, and all extra food expenses, which were a result of missing our flight. As a consumer, I did n't receive the full product of my purchase and I am asking for a partial credit in return for missing part of my vacation, along with additional incurred expenses. I should be protected by my credit card company to help make this right. I knew going into this dispute that XXXX XXXX would not take ownership for the " system mishap '' as neither did the airlines. This is why I turned to Chase to help give me a partial refund due to missing part of my vacation and having to pay for food and hotel in North Carolina. Chase decided they would not help me for this transaction. They were negligent in their part to protect me and offer the credit for the portion of service I did not receive by the merchant.
I have disputed this Inaccurate reporting with all three credit bureaus XXXX, XXXX and Experian. Each time it comes back as verified but the information is still incorrect. I have contacted the XXXX XXXX XXXX XXXX Bank as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XXXX Payment History show as XXXX day late for XXXX. 
Date of First Delinquency show as XXXX Credit Report show XXXX day for XXXX
I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and XXXX   ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with Discover Bank, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to Discover Bank -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that Discover Bank just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the Discover Bank and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from Discover Bank, and subsequently had to pay the IRS the income tax due on the cancelled debt that Discover Bank reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but Discover is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and Discover are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below,   please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX.  XXXX. XXXX. XXXX. XXXX  ) Discover Bank v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX. XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
I have 2 accounts on my credit report that has not been updated, I have tryed to fix this the creditor stated they sent updated information to be updated and it has not, One account is a car loan with XXXX  XXXX XXXX XXXX with a balance of XXXX and that account has been paid in full and another account is my credit card showing a high balance that has not been updated with XXXX XXXX XXXX XXXX with a credit limit of XXXX but the balance is incorrect I would please like this up dated immediately Thanks
Had trouble with JC Penny account charge and wanted to see if credit had been issued. Transferred back and forth between JCP.com and Synchrony Bank. After XXXX hours I got issued resolved but in process they closed my account and said that I had requested it. I said no that while being transferred/disconnected and reconnecting I punched the # XXXX on auto dial in and that led to closing of account. They did not believe me said they would research but would no reinstate my account. I would like to file a formal complaint against Synchrony Bank and the supervisor XXXX # XXXX
XX/XX/XXXX - {$490.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX On XX/XX/XXXX I ordered {$500.00} worth of clothes from XXXX. 
It has been 241 days and the package has not come in yet. The order " shipped '' XX/XX/XXXX. However, the package has not come in yet and on the tracking info it says " shipment label created '' and that is all. 

I have contacted my bank, wells fargo, and opened up a claim but it was closed shortly after by them saying it has been 120 days since the point of purchase so I can't issue a refund. 

I have contacted XXXX and they have been incoherent within their responses and now, they have stopped responding.
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original  creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me
( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this  matter to enforce my rights under the FCRA
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are : AMALGAMATED BANK OF, FINGERHUT/WEBBANK The illegal, fraudulent inquiries that are not covered by fair use are :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX ,  XXXX .  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX ,   XXXX  , &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX , BEST B  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  BANK  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  CRED  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  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
I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.
I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. 

I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.
Hello, I attempted to make a payment online to XXXX on XX/XX/XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XX/XX/XXXX, at XXXX XXXX when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XX/XX/XXXX and was advised that XXXX put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.
I had a mortgage through Penny Mac. This loan was an FHA loan with mortgage insurance. I paid off the loan on the XXXX of XXXX. I was charged mortgage insurance and interest for two months when calculating the amount needed for closing. Interest for XXXX and the entire month of XXXX though it was paid off on the XXXX within the grace period for payment of the loan and mortgage insurance supposedly for XXXX and XXXX paid in XXXX and XXXX, again the payoff was received within the grace period for paying the payment. 
Also I analyized the escrow account for the entire period of the loan and the amounts paid in the the escrow plus the initial amount in from loan inception, less payments made do not come to the total refunded to me after closing. 

I would like someone to review the mortgage as I feel I have not received all of the funds due when the loan closed. 

The loan number is XXXX XXXX
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies
I applied for the Chase Sapphire Preferred credit card on XX/XX/2018. Prior to applying for the Chase Sapphire Preferred credit card, I thoroughly read through the terms and conditions of the offer within my JP Morgan Chase portal. I also received many email communications with a personalized offer. I have attached the email I received as well as my view of the application portal to this secure message for your reference. Based on the email communication and the offer in my JP Morgan Chase online portal, I applied for the Chase Sapphire Preferred card with the understanding that the offer included XXXX bonus points and {$0.00} intro annual fee for the first year, after that {$95.00}. My decision to apply for the card was heavily based on these factors. All the information presented to me through personalized emails and at the time of application included the XXXX bonus points and {$0.00} introductory annual fee for the first year. Additionally, I called JP Morgan Chase customer service prior to submitting my application to confirm the conditions of my offer, and I was assured that I qualified for the XXXX bonus points and {$0.00} intro annual fee offer. 

I was surprised to see a charge of {$95.00} for the annual membership fee posted to my account on XX/XX/2018. Assuming that the charge was a mistake, I contacted JP Morgan Chase on two occasions via their customer service phone line and on two additional occasions via the JP Morgan Chase secure message center. The representative communicated to me that the offer I applied for did not include the annual fee waiver this contradicts the credit card offer presented to me as per the attached files. As a consumer, I made a decision to apply for the Chase Sapphire Preferred credit card based on the information provided to me by JP Morgan Chase. All of the credit card offers and materials distributed to me by JP Morgan Chase were incredibly misleading to a consumer. Had all of the relevant information been presented to me in a clear and concise manner, I would have a different decision as a consumer.