WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a store card that was distributed through Comenity bank. I was notified in the store that the physical card would be mailed in 7-10 days. However, it has been 2 months and I have not received any mail regarding my balance or the card. I made a phone call to their customer service and they have charged me late fees for a card I did n't have nor received any information about. They have also started to make collection calls even though I just closed the account about 20 days ago.
The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Short Sale was started XX/XX/18. XXXX XXXX had requested some documents and they were sent to him multiple times. XXXX XXXX never uploaded anything we submitted on this file. In fact, nothing has been done on this file in over a month. It was not submitted to underwriting to start the waterfall process ( for retention review ) until we finally got a manager involved. 

We re requesting the file to be reassigned to someone who will actually work on the file and will communicate with us in a timely manner.
Chase keeps denying the use of my debit card and gives wierd reasons on how this is to secure my account. It 's been more than XXXX times in the past 2 wekss I had my money locked in my account.
A loan of XXXX was automatically transferred from XXXX to American Education Services. Their first automatic payment was extracted at around XXXX dollars, which is my regular payment when other services held it. Then second month with AES, I receive a letter that they will be pulling XXXX on a XXXX amount with 6.8 %. How does that even add up? Through more than 3 servicers, the amount has been a consistent XXXX something per month. I started doing research on them and it appears that I am not the only one to experience this attempt at delaying payments due to hiked amounts in order to cash in on late fees. I am fortunate that I am in a position to just pay it off in one chunk right now so I don't have to deal with them. This way since I am paying it off all at once, they don't even get a chance to try and collect anything extra out of me such as inexplicable extra payments, fees, etc. I feel sorry for the others out there reporting it. Some are trying to bind together for a class action lawsuit. I think this warrants looking into.
My elderly mother was contacted by Navy Federal about my accounts. I have previously told NFCU to stop all contact with anyone other than myself regarding my accounts.
I pulled a copy of my credit report on XX/XX/2018, I saw that experian was reporting my account for XXXX XXXX acct # XXXX. They were listing the account with a balance even though the account was paid in full. They also listed the accounts with late payments and I had the account on auto pay so the payments were send out on time directly from my bank to the loan holders bank. I notified XXXX XXXX about the discrepancies and they told me that being that the account was closed that they would no longer be reporting my info to the credit reporting agencies and that the best they could do was send me a letter stating that the account was paid in full and that the account was never late. I received that letter from XXXX XXXX via email and us mail and I submitted all the information including a copy of the letter to experian. They sent me an update copy of my report a few weeks later with the an updated credit report updating my status to closed but not updating the late payments. On XX/XX/2018 I called experian and spoke to a credit specialist and I asked him about the dispute and why my late payments were still on my account after submitting proof from the bank that the account was not late. He stated to me that in their error they only verified that the account balance was paid off and it had a XXXX balance, but that they did not investigate with the bank the late payments. That is in total violation of section 609 of the FCRA.

They never investigated my dispute within the 30 day period and allowed this information to remain on my report, therefore hurting my ability to obtain credit.

They 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 their first investigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
I took out a loan over the phone with XXXX/Delbert & westernsky for XXXX at a monthly payment of XXXX a month but after 6 months they said I still owe XXXX and they also put it on my credit and they are not even license my husband had past a way and that left me in a bad financial burden but I did pay them what I borrowed.
Lawsuit Alleges XXXX XXXX and Navient Unlawfully Charging Late Fees. I sent my claim form back in XXXX 2017 and I never received settlement money and had all my bills sent to them with no reply back and I sent in my info
I like this bank and I am submitting a complaint because I was scammed using the " XXXX XXXX service. I already talked to my bank and they denied my claim but I was scammed because I never Received my items and I have messengers from the seller that he went back to my word and LIE to me. It was a console with games he was selling to me after I sent the money, he just went ghost on me and stop replying to messengers. I have attach an invoice showing the receipt and I have words from the seller he was lying to me. I recognized this was inconvenience and that is why I never again will use the " XXXX XXXX '' to make sales. I DO NOT have the money from {$120.00} dollars as I paid bills and am not currently working. I love this bank, but I really was scammed and will keep on doing this until I get the resolution that I want. I have been a loyal customer for the past 2 years.
I have repeatedly informed them that I am permanently XXXX and ca n't repay this loan to no avail. This has been going on for years. I tried to pay early on, but could n't manage it. I 'm in repeated forbearance for this reason. This has been going on for years.
On XX/XX/XXXX, in response to the XXXX breach, I attempted to place a credit freeze with TransUnion and was told that it would be a {$5.00} fee. This is appalling considering the extent of the breach and experts recommend protecting your credit by placing a freeze. However, if you have limited resources, this fee restricts your ability to place this freeze. Your agency should take the lead on prohibiting credit monitoring and reporting agencies from taking advantage of individuals who want to protect their credit by charging them a fee.
I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.
Have you had complaints submitted on Pacific Union Financial in XXXX TX? 
I am a XXXX representing XXXX and XXXX XXXX on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. 
We had submitted XXXX offers with the best XXXX on XXXX XXXX, 2015 " All Cash '' offer. 
FHA Mtg Letter XXXX still required an appraisal by an FHA certified appraiser. 
They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago XXXX XXXX supervisorrequest the borrowers financial statements to see if they qualified for a Loan Modificationwhich they offer XXXX and XXXX a $ XXXX monthly payment reductions. 
Since the borrowers did not accept this loan modification, the lender is proceeding withtheir foreclosure. The borrowers speak limited XXXX, so I had to assist them on all ofthis. Can you assist on this or will you pass this to HUD/FHA to follow up on this issue. 
I will be glad to provide all the documentation that I have if needed. 
I have attached copies of the last XXXX emails form Pacific Union, I requested the namesand contact information of the supervisors, but never received them. 
Thank you for you help on this matter. 
Sincerely, XXXX XXXX
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
In XX/XX/XXXX, I purchased winter coats through a XXXX vendor, XXXX. I dutifully returned the unwanted jackets on time and waited for over two months to get a response from the vendor. The vendor said they never received the returned merchandise and declined to refund my orders. The amount that I did not get a refund for was {$2100.00}. After being on hold with the vendor for hours and 10+ email exchanges, I finally handed this over to Chase Credit Card ( the card which I bought the coats with ) to handle the dispute, in XX/XX/XXXX. 

Immediately in XX/XX/XXXX, I was credited the {$2100.00} and was reassured by the Chase representative that there was nothing else I needed to do for this dispute. The representative suggested I gather all documentation/evidence just in case they needed further information for the investigation. In XXXX, I was getting calls from the dispute department and requested to send him all documents. I did everything as I was instructed, but later on found out that the investigation representative had no clue of what my case was, unable to reach him again, and the email address he told me to send my documents to was completely false. In XXXX, Chase card rebilled me for the {$2100.00} without any letters or explanation that is investigation did not go in my favor. 

Since I've had a long standing relationship with Chase Bank as a customer who pays the bills in full every single month, I paid for the rebill in XXXX and called to ask to open up another dispute with the same vendor. However, jumping hoops to reopen the dispute three times ( I could only open dispute through Chase secured messaging and faxing information ), they continued to say that this charge was valid. I was of course not getting answers from the vendor, XXXX, and Chase no longer was incentivized to solve my dispute since I've paid for the rebill. The final time I spoke with the Chase representative and asked him why their response letter said Chase would write a note to the credit bureaus that this was a dispute case, I found out that I did not actually have to pay for this bill if I didn't believe in it. At this point, I did not have an option to still get the refund and choose to " take a hit '' on my credit score. 

Chase gave me a very false sense of consumer protection by telling me that there was nothing to worry about since the beginning of the dispute. Not only did they not seriously assign a " dispute '' specialist to investigate the issue and actually read all of the documents I sent them ( my strongest proof is that the vendor signed received the returned package from USPS ), they did not tell me all my rights as their customer to not pay for something I did not believe in. 

Worst, today I looked through my XX/XX/XXXX statement to find that I was actually charged {$470.00} of interest because of the rebill of this {$2100.00} transaction. The sale representative I just called said that their data system is down and not able to answer my questions at this time.
PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?
I made a purchase using PayPal. They claim to have protections against fraud committed by the merchant. After trying to go through their dispute process they told me too bad you have to pay for it plus interest. The company I made the purchase from had a stated return policy which I tried to follow. They refused to answer any phone or email. Sticking me with the product. PayPal claims to protect consumer from bad merchant behavior. They lie as bad as the merchant.
Upon opening a Citigold checking account with Citibank, I signed up for & confirmed enrollment in a XXXX XXXX XXXX promotion. The promotion would take up to 60 days to complete, and then another 90 days, maximum, to distribute the miles ( 150 days for both portions ). I signed up for the account on XXXX XXXX, 2016, so it has now been 174 days since I signed up for it. Now Citibank is saying it could be up to another 60 days to distribute the promotion, or may not even issue the promotion at all to me by retroactively deciding that I was not eligible, despite having previously confirmed my enrollment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Great Lakes Borrower Services Great Lakes XXXX XXXX XXXX XXXX, WI XXXX XXXX, WI, XXXX XXXX OFFICE OF THE OMBUDSMAN XXXX XXXX XXXX XXXX, KY XXXX XXXX : DISPUTED ACCOUNT- NOTICE TO FURNISHER XXXX TO WHOM IT MAY CONCERN from the CONSUMER FINANCIAL PROTECTION BUREAU OR CFPB This is MY 4th TIME RECONTACTING GREAT LAKES AND OMBUDSMAN GROUP. I dont believe I need to recite their duties and do their investigation for them. I should not have to ask for their notes, findings, and documents for my IDENTITY THEFT CLAIM AGAIN. My identity theft claim is now going on 3 years, with the major factor being Financial Groups not cooperating. I have attached the only 3 documents I received from both groups from my IDENTITY THEFT claim, 2 from XX/XX/XXXX and 1 from XX/XX/XXXX. Again, where are the notes and what did they do? I also disputed their letter, left a voicemail and asked for a return call b/c I disagree with their statement, such as the 2nd sentence ( highlighted ) in the Ombudsman Group letter, which I never got a return email, all, or notes at all I do not want to complain, but would rather have both groups do their job and investigation properly, so I can resolve my Identity theft claim, catch the suspect, and get my financial life back BOTH GROUPS SHOULD HAVE RECEIVED THE POLICE REPORT on XX/XX/XXXX and XX/XX/XXXX. I have submitted the same paperwork several times, and have cooperated with both groups, while they do not the same with me. They have had access to everything I have, aas well as the other companies that are involved and conducting their Identity theft investigation for my ID Theft claim, which I assumed Great Lakes would be working with XXXX XXXX, since XXXX XXXX has +1000 documents and the Police Report that is +100 pages thick for my Identity theft claim. So all this is pointless and everyday that goes by goes directly against my credit, not theirs. Respectfully and XXXX, XXXX XXXX
I am disputing the information on my Experian report about a student loan. The original company, XXXX / XXXX ( acct XXXX ) is showing negative information about the student loan when I wasn't able to pay. The loan has been transferred a couple of times and I have been paying regularly. The company that now has it is XXXX XXXX XXXX ( account XXXX ). This negative listing from XXXX  is impacting my ability to obtain a higher credit score and impacting my opportunity to own a home reflective of my earnings. I would like to have the negative listing removed and for all 3 of my credit reports to show my current payments towards this debt.
Obtained a student loan from XXXX XXXX which we thought to be a reputable loan provider. It is now with Navient and the terms of the loan, while perhaps unchanged, are predatory and unrealistic to any consumer. Loan was initiated in XX/XX/ 2006 with an principal ( loan amount ) balance of {$31000.00}. After making consistent payments for over 12 years ( approx. {$57000.00} PAID ), the principal amount has INCREASED 40 % to {$44000.00}. I owe MORE now than when I started. How can this be legal?? It certainly is not ethical. Looking to ensure others are not damaged by this type of loan.
Hello, I'm a victim of identify theft. Upon checking, I noticed that XXXX posted this account on my credit report, without sending me any type of written correspondence to dispute this debt. This is extremely damaging to my credit report and has caused my score to drop. I ask that this company please remove this debt from my credit report at once, before I'm forced to seek legal action.
Around XX/XX/2018 ( I do not remember the exact date ), the grace period for my Perkins loans ended. Upon logging into my XXXX XXXX account, the company that is contracted with XXXX University to service both their private loans and their Perkins loans, I noticed that they had charged me a few months worth of interest. As Perkins loans are subsidized, there should be 0 interest until the grace period has ended. I contacted their customer service, and they resolved the issue, getting rid of all the interest.

Ever since I began repayment of my Perkins loans, I have been overpaying, mostly because the website is very confusing and does not indicate how much one is supposed to pay every month. In two months, I paid ~ {$200.00} ( on a ten-year term, {$5000.00} principal, 5 % interest Perkins loan ) -- when really I only owed around {$100.00}. ( I don't know exactly how much I owed because the website does not tell you. The " amount due '' changes every day ). 

Then, yesterday, XX/XX/2018, I logged into the website to find that Heartland had marked me as past due by {$10.00} on my student loans. Because I have been overpaying, I believed this was a mistake, and after contacting them, they updated my account to no longer reflect past due. It is now current. 

However, I am still unclear on how much I owe every month. Customer Service has finally informed me that the answer is {$55.00}, which I have been paying, yet I was marked " past due '' when I paid that amount in XXXX. I have attached screenshots of my payment history, as well as the other information that Heartland provides me. As you can see, while their website states that I owe {$54.00}, it is unclear whether this is the amount I should be paying every month, or not. In the statement from yesterday, they stated that I owed {$68.00} ( {$10.00} past due ), while today, I owe {$54.00}.
( The above is the confirmation number on the results of my dispute from equifax -dated XX/XX/XXXX ) What Happened : A XX/XX/XXXX bill from XXXX XXXX that I do not owe was placed as an collection item on all of the Credit XXXX XXXX XXXX. I successfully disputed the debt, having ask that the debt be validated, which they can not do. 
Then around XX/XX/XXXX the debt was was re-inserted to the credit reporting agency.s I received NO notice of this re-insertion. I only found out late in XX/XX/XXXX by checking credit karma as I was thinking of buying a car after the XXXX of this year. I immediately disputed with Transunion and Equifax. I received notice last week that Transunion has removed the item from my report. Equifax just sent notice that they were not removing the item. Please advise Equifax of the rules on re-insert and have this item removed. Please let me know if you need any additional information. 
I have attached a copy of the XX/XX/XXXX, reply from Equifax.
I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.
On XX/XX/XXXX, my wife and I sent a letter to Equifax asking them to investigate errors on our credit report. Months passed, and we simply could not get Equifax to respond. After countless follow-up letters and complaints, my wife finally received the results of her credit investigations in XX/XX/XXXX. However, unfortunately, even after continue follow-up letters and complaints, I have yet to receive the results of my credit investigations. It has now been six months since we sent our original letter. The fact I have received no response from Equifax is utterly ridiculous.