WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have a dispute my credit card company refused to resolve, but before I get into it I want to thank you for all you and the CFPB do. You have helped me in a situation once before, and I think your agency is essential for maintaining the balance between consumer protection and good business. On XX/XX/XXXX, I purchased an XXXX screen protector from XXXX  XXXX for {$35.00}. The next day, I attempted to return the item but was refused. XXXX XXXX  claims screen protectors fall under the category of " consumables '', and these products are not eligible for refunds. I was never once told screen protectors are " consumables '' until I chatted with an agent yesterday, nor was I ever told the item was nonreturnable. My argument stands that a lay person would not know a screen protector is a " consumable '' item, as this term generally refers to things you actually consume, like food, etc. ( which Best Buy sells ). So, I took my dispute to the next level and opened a case with my credit card company, American Express, on XX/XX/XXXX. A month goes by ( just long enough for the returns and exchanges window to pass ) and I receive a " resolution '' letter from American Express informing me XXXX  XXXX saw no evidence I attempted to return the item and that they would be reinstating the charge. Obviously, if they refuse a return there would be no " evidence '', as there was no transaction, but they could check their security cameras and see I was in the store and did attempt to return the item. I even have the dated pink sticker they give you when you enter the store with product. There was no attempt made by American Express to gather more evidence from me, like a picture of said sticker, nor was I ever contacted by XXXX XXXX. 

Reading the dispute, American Express and XXXX  XXXX seem to assume the item I attempted to return was damaged. I'm not sure how they could come to this conclusion, especially while maintaining the claim I made no attempt to return. 

The whole incident is disheartening and generally has the feel of big companies trying to take advantage of the consumer. Any help you may provide is welcome. Thank you in advance. 

Regards, XXXX XXXX
I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with. 

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.
I had no intention of going to College and feel like I was forced into taking out loans by the recruitment staff at XXXX. I did n't know at the time that the amount of the loans was so much more than other colleges. While attending, I started to realize that I had made a mistake by going there and realized that most of the staff was underqualified. By the time I decided that I wanted to leave, I already owed around $ XXXX and I was n't even going to get a degree if I decided to finish. They were only offering a certificate of completion at the time. This did n't seem fair to me and now my loans are all defaulted and I have no intention of paying them. I feel like I 'm not the only one in this boat and I need help trying to get this resolved. These people really took advantage of me and they are still doing this to people. I had no intention of going to college, so I had n't done any shopping around. They got their hooks in me and before I knew it I was out $ XXXX with nothing to show for it. Please help!
Company bought out payday loan. But they are threatening legal action, making repetitive calls, calling people i know that are listed nowhere on the loan and asking for my address while threatening legal action. Abusive language " stop hiding stuff from your husband '' " stop hiding behind that mute button ''. Also wont provide their address for cease and desist letter.
Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.
I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( Equifax, XXXX and XXXX ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
My husband gave me a 4 gift cards for {$250.00} from XXXX XXXX XXXX & someone got my number & used one at the Saks in XXXX XXXX XXXX on XX/XX/2018. I called the asset protection & they are not being much help. The New York store does not seem to know how to investigate in this matter. 

The other 3 cards were used on XX/XX/2018 in XXXX XXXX. They were very helpful & already got the persons name. Theyre sending me a new gift card for {$750.00}. 

I hope you can help me get my {$250.00} gift card back from the Saks in XXXX XXXX XXXX & find out what happen. 

Thank You
I looked at my credit report and found out there was an account opened I had an issue about because the amount owed is incorrect. So i called the company holding the account and explained to them the amount listed on my credit report is double of what it should be because theres 2 names in court records attached to the bill owed so my responsibility for the bill is only 50 % which they admitted they knew that there was another party involved in this account and on the other persons credit report the same amount is also owed which is actually the debt collector attempting to collect double the balance owed on the entire debt. Then they proceeded to tell me they would give me a 50 % discount on paying my bill off not sure how there math works but here is how my math breaks down. 
balance owed in total : {$1000.00} my responsibility according to court records 50 % : {$510.00} inclueded 50 % discount to pay off the bill to the creditor {$510.00} The reason why its wrong is because there are 2 names attached to the same account 2 different credit reports showing the same exact amount owed in total amount be {$2000.00} when the actual amount is only {$1000.00}. Now what happens when i go to pay the bill because were not married say I pay the bill entirely at {$1000.00} which is the full amount owed the other party doesn't know I payed and its still on there report they pay the bill owed also the reporting company gets double owed amount because when reported on each parties credit report its the entire bill owed not the 50 % responsibility that each party has. How is this considered correct because if my responsibility is 50 % owed then my credit report should show {$510.00} and the other party should show the same and if the reporting agency was going to give me 50 % off then my bill should had been {$250.00} not {$510.00} id like to know how an entire bill is attached to both parties and being said this amount is owed by both parties when both parties are actually only responsible for 50 % of the bill and both credit reports show full amounts thats incorrect information 2 parties 2 bills not 2 parties the same bill twice it makes no sense.
I have had an account with Macy 's since XX/XX/XXXX. I retired XX/XX/XXXX at which time I contacted all of my creditors andexplained my due would have to change. I was told it wastaken care of. I have not used the card a lot, but what I haveUsed it, I have made monthly payments. I noticed last monthI could not access my account. Not thinking anything about itI made a payment, but when it happened again, I contacted Macy'slast night. I was transferred twice and was on hold for 30 minuteswith no answer. This morning I finally spoke with customer servicetwice and found out I had been charged numerous latecharges and interest. I was also told they had XXXX of my moneyin a credit account. 
My question is : why was my due date not changed? Why was I notcontacted by mail at the deliquincy of my account? I wastold I owed Macy 's {$290.00} and some odd cents. She put meOn hold and came back and told me they took the {$80.00} credit, applied it to my bill, took off XXXX late charge and XXXX interest charge! 
My balance was {$170.00}!! Who makes that decision on howmuch you are charged?? 
I think this is unfair and fraud due to the fact I wasNEVER contacted by Macy 's!!! But, she told me they wouldsend me my bill via US mail. 
I always pay my bills and have great credit. I DO NOT want thisto go against my credit report and I want the late charges and interestcharges refunded to me. I am still in awe of a company as large asMacy 's allowed to do this to their customers. My account is now closed. 
I would appreciate your prompt attention to this matter.
I disputed a bankruptcy with Equifax requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a XXXX party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with XXXX XXXX nor do they have any permission to verify any information that may pertain to me. Equifax can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
Experian.com continued to bill credit card for 3 months after account was cancelled the second day after trial period and the account not accessed or used by the consumer at all during any of the time billed. Experian.com is utilizing deceptive practices to continue to bill consumers XXXX for its credit monitoring services and not cancelling the service upon request.
The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.
Since XXXX, I was starting to sign up for financial aid. They had asked me if I had a co-signer to start. I told them numerous times that I have no one helping me. They lured me with words that seemed like it would help me, since I am a XXXX. Well I was able to go to school, But then I noticed that I am getting calls from debt collectors that I owe them money because I signed up for a loan. I told them many times I never signed for a student loan because I had no co-signer. Since then, I ca n't go back to school because of a default of something I never agreed to. The school is called the XXXX XXXX XXXX XXXX XXXX, but now called XXXX XXXX XXXX.
Account was opened in 2007 and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over 7 years old. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.
I am writing now in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a crucial part in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX  XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX and XXXX  {$0.00} Past due : Experian and XXXX $ XXXX {$65000.00} Experian shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!
On XX/XX/XXXX Pay Pal sent myself a letter to my address on record that a fraudulent account that was opened fraudulently on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX reference # XXXX with a fraudulent email where the thief rack up {$710.00}. The institution has never asked for any identification to verify that I was the correct person applying for credit violation of the banking laws in american banking and finance industry.. NOW 7 YEARS LATER THE SAME INSTITUTION SENDS ME A LETTER THAT THE BANK IS TRANSFERRING BANKS WITH THE SAME ACCOUNT THAT IS FRAUDULENT WHICH TELLS ME THEY NEVER CANCELLED THAT FRAUDULENT ACCOUNT ALSO NEVER SENT THE REQUIRE DOCUMENTS THAT THAT ACCOUNT WAS CLOSED ALONG WITH THE ADDRESS WHERE THE ACCOUNT ORIGINALLY TAKEN FROM AND WHO DID THE CRIME. AMERICA HAS LAWS AND PROCEDURES TO DO BANKING AND IT LOOKS AS IF THIS BILL ME LATER COMPANY HAS NO REGARD AS TO MY FRAUD ALERT ON ALL 3 CREDIT BUREAUS AND PROCEDURES TO HOW TO HANDLE FRAUDULENT ACCOUNTS THRU OUT THE USA. THIS IS A GROSS VIOLATION OF BANKING AND FINANCE LAWS TO IGNORE FRAUDULENT ACTIVITY WITH APPLICATION THAT A THIEF USED MY PERSONAL ID FOR FRAUDULENT ACTIVITY THIS IS THE 8TH TIME WHICH I BELIEVE ITS THE SAME INDIVIDUAL THAT ALSO TRIED TO STEAL MY TAX RETURN IN XXXX TAX YEAR.
The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.
Hi, I received a letter from a collection agency ( Account Control Technology ) in regards to an account they claim I have with XXXX University. I have never attended or applied to this school. On XX/XX/XXXX, I requested a validation of debt, via mail. On XX/XX/XXXX, they sent me an account statement. This account statement appears to claim I was enrolled in the school for the Summer XX/XX/XXXX quarter. This claim is absolutely false. On  XX/XX/XXXX, this account was added to my credit report. I have disputed this claim with the Credit Bureaus. <P/>This is not the first time this school has tried to collect money from me. I have gotten this account removed from my credit report two times : XX/XX/XXXX and XX/XX/XXXX. This debt keeps being re-inserted under different collection agencies. <P/>I have no knowledge of this account and have never applied to nor attended this school.
My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.
Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB on XX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at _ and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today, XX/XX/XXXX, three months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX  had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, XXXX, Expeiran, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
Simm Associates, Inc. ( XXXX ) XXXX contacted me regarding a private student loan. My daughter has several private student loans cosigned by other people. I have cosigned for my daughter but am unable to pay the delinquent payment. Simm Associates contacted me at my husband phone number I told them contact me on my cell phone number only. 
When they contacted me on XXXX XXXX, XX/XX/2015 at XXXX, the representative said I owed them {$87000.00} dollars of which I cosigned in my name. This is extremely untrue. 
I am not a cosigner for {$87000.00} I want them to stop calling me and send me emails only. Also, I want to send any funds to XXXX the originator of my loan in which I cosigned for daughter which totals {$16000.00}. I am no able to pay the full amount but would be willing to make a payment that is reasonable due to my financial circumstances.
I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?
In XX/XX/2018 I checked my annual check report and found several errors. I had previously contacted XXXX XXXX XXXX by sending a dispute letter and they failed to respond. Therefore, I sent a dispute letter directly to the CRA Experian on XX/XX/2018 disputing this inaccurate reporting. 

Experian responded with the attached letter provided dated XX/XX/2018 without any information requested according to the F.C.R.A. 

Experian has avoided abiding by State and Federal laws in rersponding to the dispute and failing to supply the requested information by law.
I HAVE SEND ABOUT 4 TO 5 LETTERS TO EXPERIAN CLEARLY ASKING FOR PROOF AND I WAS TOLD BY AGENT XXXX ON OR AROUND XX/XX/2018 WE DON T HAVE ANY PROOF OF THESE ACCOUNT ARE YOURS.. AND WE CANT VERIFIED THEM AT ALL .. 


ON XX/XX/2018 I CALLED XXXX XXXX XXXX ASK FOR PROOF OF THE ACCOUNT THE AGENT XXXX ID # XXXX THIS ACCOUNT IS NOT IN OUR SYSTEM. I ASK THEM DID EXPERIAN CALL HE SAID NO I ASK THEM HAVE THEY HAVE ANY CONTACT WITH EXPERIAN HE SAID NO : XXXX XXXX XXXX NUMBER # XXXX DELETE NOW ./ NO RECORD NO FILE NO INFORMATION 609 PROTECTS ME AGAINST FALSE REPORTING AND I SHOULD POINT OUT HERE THAT THAT'S EXACTLY WHAT THIS IS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


THE XXXX XXXX XXXX ACCT # XXXX I CALLED THIS ON XX/XX/2018 TALK WITH AGENT XXXX ID XXXX I ASK HER DID I HAVE ACCOUNT SHE SAID NO FILE FOUND SECOND QUESTION ASK DID EXPERIAN CALLED OR EMAIL SHE SAID NO ... 
UNVERIFIED INFORMATION NEEDS TO BE DELETE NOW FIX CREDIT SCORE BACK TO XXXX THANKS GOOD DAY THIS LETTER WILL BE SEND TO THE ( FEDERAL TRADE COMMISSION ) THE SUBCOMMITTEE ON BANKING, CREDIT AND INSURANCE, AND THE DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATIONS ( DIVISION OF CONSUMER COMPLAINTS. )
I was billed or an additional class after I withdrew from XXXX XXXX. 
They have placed a new debt in collection that i do not owe. I did not attend class and should not have been enrolled.
I am having trouble getting my mortgage company to help with loss mitigation.

My mortgage Doubled in the monthly amount. I asked for a modification after Hurricane Harvey. I lost so much after the storm and am trying to recover. My husband walked out and left, therefore my income decreased, However I am still working but just need help lowering my monthly payments until I get back on my feet.

If there is anything that can be done to help me save my home I really appreciate it. I have young children and we need to keep our home. They have already been through so much devastation
The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate