WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a legitimate dispute with XXXX XXXX 's dispute department over a purchase with a vendor who stalled out of time within the warranty period of the item purchased. I had provided all the necessary information and documents that XXXX XXXX 's dispute department had requested to properly resolve the dispute and reverse the charge made by the vendor. However, after following up with XXXX XXXX dispute department several times about the status of this case, I was given a different reason each time for not resolving the case in my favor. The first time I was told by XXXX representative that " the original point of sale receipt, and second party opinion was not submitted ", therefore the case was not ruled in my favor. I was confident that I submitted all this info, because I had actually confirmed the info was successfully submitted with a XXXX XXXX representative on the phone at the time of submission. So knowing that XXXX XXXX was fraudulently lying about the desision not to rule in my favor, I decided to contact XXXX once again about the status of the dispute. Of course I reached a different XXXX XXXX representative and this XXXX told me the reason for not ruling in my favor was because the warranty of the item purchased had expired before the case was submitted to them, even though I had opened the dispute with XXXX XXXX within the 1 year warranty of receiving the item from the vendor. So knowing this was also an illegitimate excuse by XXXX XXXX, I decided to call them back once again to see if their story changes again. Because a story that is n't consistent is a DECEPTIVE LIE. Upon the third time of contacting XXXX XXXX I was told that the case was not ruled in my favor because I did not attempt to resolve the case first with the vendor to return the item. I had told XXXX ones disputes representative several times while the case was being made, that the vendor had stalled out of their warranty period by not responding to my calls to them regarding return of the item within the warranty period. So this was the 3rd lie XXXX XXXX presented to me regarding the denial of favor in my case. It is also worth mentioning that I was disconnected by XXXX XXXX reps several times with no apparent reason, resulting in me calling back again to start the process over with a completely different representative who knew nothing prior to what was previously discussed. I want the total purchase amount of this item credited back to my statement balance due to XXXX XXXX 's incompetence and lack of will to successfully resolve the case and void the transaction made by the vendor. For reference, the final XXXX XXXX representative that I had contacted to resolve the case, pay off the correct statement balance without the disputed charge, and avoid interest over illegitimate dispute charges was XXXX : employee # XXXX. She opted not to correct the balance, so I could not make a full monthly payment to avoid interest charges. She told me to call the federal authority, as she supposedly has no power within XXXX XXXX to correct statement balances, even though she is an account supervisor.
the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.
On XXXX XXXX, 2015, I received a letter from Chase Bank indicating that they were closing my line of credit because they no longer offer the product. They indicated that there was no cost to me and that I could pursue other credit products that the bank offered. 

I have had the line of credit with Chase for about 10 years. I was never late and was in full compliance under the loan agreement. Chase indicates that there is no cost to me ; however, that is an incorrect statement. There are actually at least ( 2 ) costs to me : ( 1 ) closing the account could negatively impact my XXXX score since a portion of the XXXX scoring is based on age of accounts, credit utilization percentage, and etc. - this could result in " higher '' borrowing costs. ( 2 ) there is the cost of my time in reseaching other credit products with other banks. 

As a Treasury/Banking Professional for a Government Agency, I am very familiar with Chase and the products they offer. There was no need to close this account and the reasoning provided by Chase was prima facie - false, misleading, and damaging. 

My expectations are that Chase immediately reinstate the line of credit or roll the credit availibilty into another account.
I have sent certified letters to all creditors to which I have a dispute. My understanding of the FCRA is that the creditor is to note my account to a credit reporting agency as disputed within 31 days of receipt of notice. I checked my credit report with all XXXX credit reporting agencies, and my creditors that were notified did not note my accounts as disputed within their alloted 31 day timeframe. I sent the credit reporting agencies a certified package containing the page of the credit report showing that dispute is not noted, and a copy of the certified reciept and green card to prove that 31 days have passed without the creditor noting the account as disputed. XXXX has fixed my report. XXXX and Transunion refuse to remove the disputed accounts even though the creditors are in violation of the FCRA 31 day notice. Transunion took it upon themselves to mark the disputed accounts as disputed, something I DID NOT ASK THEM TO DO. I specifically sent them a letter requesting they remove the account due to the inaction of the creditor. I am requesting the CFPB to enforce the FCRA with Transunion and XXXX and have them remove items that I disputed with creditors that are not marked disputed BY THE CREDITOR. I also have a bankruptcy on all XXXX reports that I have disputed, and I have not been given information as to where the investigation data came from to support keeping them on my report. They also do not state disputed by consumer. A current lawsuit with XXXX concerns the requirement that the source of public records are revealed to the consumer ; where did the credit reporting agency get their data? Just listing public records is insufficient. I have been working on clearing my credit report ever since a fraud alert was placed on my account in 2009. It has appeared and disappeared many times without my taking any action to remove it. XXXX has stated they will put a fraud alert on all XXXX reporting agencies for me, but I need to have the disputed data removed. I also want Transunion to remove the dispute that was put on by their agency. I did not request and do not want them to post the dispute. I want the creditor to post the dispute. My attention is with the creditor, not the credit reporting agency who is not working on my behalf but on the behalf of creditors who pay to use their services. Transunion has some sketchy procedures including not removing items proven disputed and not noted, as well as disputing items that were not requested by a consumer. They state that any communication from a consumer equals a dispute to them. I am adamantly opposed to XXXX for verification, and believe this system is unfair to the consumer. I hope that the CFPB can remove the items from my XXXX and Transunion reports as requested since I have made a good faith effort via certified mail repeatedly to creditors to discuss these accounts. I am requesting that the CFPB provide the legal service of removing the disputed items as required by the FCRA since XXXX and Transunion refuse to do so on their own.
I have a XXXX Credit score and a stable income of {$500000.00} and my credit card application with American Express was denied based on discrimination, ( there is no other reason ) I have a superb credit score and excellent income and I make 100 % of my payments on time, I never missed any credit card payments ever with all my other XXXX credit cards, I have reason to believe that I was denied credit by American Express based on discrimination.
The borrowers are in foreclosure and are encumbered with the high costs of force placed homeowner 's insurance. In XXXX, the fire policy amount was {$43000.00}, this added {$3600.00} monthly to the mortgage. Interestingly enough, the borrowers had their own insurance at the same time. The only documents they have from this era are attached along with the forced placed insurance. The total cost of escrow in the Final Judgment of Foreclosure totals nearly {$200000.00}. This is hazard insurance XXXX {$81000.00}, in XXXX, {$49000.00} and at its lowest in XXXX at {$43000.00}.
Wells Fargo solicited me to re finance my mortgage with them. 
They promised me in writing multiple times that I would not have to escrow ANY payments, not the flood insurance, not the homeowners, not taxes. They also did a quick appraisal that only costs {$100.00}. 
They lied about the escrow. My closing documents are wildly inaccurate and do not take into account the full lender credits they offered. They are demanding to escrow flood insurance 17 months in advance. 
They charged my credit card {$100.00} twice and an additional {$490.00} for appraisals that were not done.
i signed up with XXXX to take classes on line for my XXXX degree.iwas given a loan of XXXX.i was never able to contact any one from the school for assistance or questions regarding my classes, also i was never able to pass any of my exams.i made multiple attempts for assistance but not able to get any.the cost of degree promised to me turned out to be astronomical with hidden fees and no one to contact at college network.doing so i stopped paying loan given to me by XXXX.at present i am being contacted told there is a judgement against me for non payment for something i did not benefit from.i have spoken to other XXXX who verbalized that they have had the samep roblem sign up with the college network get a loan from them and not able to get any assistance thus leaving us with a large loan and no repay with no degree to show.the name of the school is college network the name servicing the loan is troy capital llc XXXX florida.the XXXX which is permanently closed a class action is being taken by them since 2014 i am one of their individual who signed up for their classes.i would greatly appreciate a response to my petition for help.i truly feel i should not have to pay back this loan due to college network incompitence and multiple complaints made all over the united states.forced to pay back a fraudilent loan.
I am filing this complaint against Trans Union because Trans Union has ignored my request for them to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Trans Union is required to " ... promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your help.
XXXX XXXX  account # XXXX. I received a notice from XXXX XXXX stating that this account was pas due. I knew I didn't have an open account with XXXX  so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from XXXX. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called XXXX   and they told me that I had a XXXX account and that the yearly fee had been assesed. I informed XXXX  that I no longer had a XXXX account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with XXXX anymore so I asked her how was it possible to have a fee assessed on a closed account. This XXXX  account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. XXXX  closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with XXXX since XX/XX/XXXX. The person I spoke with at XXXX XXXX  on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from XXXX ok, clearly this was a mistake on XXXX  part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the XXXX  account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by XXXX  is not fair and then the XXXX  rep acted as if she didn't care. I have disputed this with XXXX  and Transuion and it's not on XXXX and the account is as it should be on XXXX ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as XXXX  closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX.
I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be zero 'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Everyday I get numerous phone calls from Navient to collect on my loan. It normally begins at XXXX, sometimes as early as XXXX, and sometimes they like to wait a little after XXXX and right before XXXX. It 's a daily occurrence, they also call me during work, which I have stated to them before is not allowed according to the rules of the company I work for. Yet they continue to do so, using many different phone numbers from all over the country. I refuse to pay my loans when they refuse to show me respect and wake me up hours before I need to.
they put on my credit report that I owe {$600.00} for an account I never had
I just looked at my billing statement and noticed I had a fee for " debt protection. '' I never signed up for debt protection. I use automatic payments and have done so for years. I decided to look at past statements and was able to access statements going back to X/XX/15 and they all show that I have been charged every month for " debt protection. '' This is not a service I need, want, or authorized. After an internet search I saw that many other people have encountered the same issue and have gotten nowhere with Citibank to remedy the situation. I tried calling the number on the billing statement but could not reach an actual person. The credit card is for BestBuy and was originally issues by XXXX but is now serviced by Citibank.
Credco Inquiry from XX/XX/XXXX I spoke to CREDCO They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX in 30 days that " XXXX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from CREDCO and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, CREDCO Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


Credco Inquiry from XX/XX/XXXX Credco Inquiry from XX/XX/XXXX " Credco you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. CREDO Told me that they contacted XXXX, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has CREDO Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

CREDCO / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as CREDCO Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
I have been disputing the accounts with AES -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX   -- was never informed of this either, if so, then PROOF PLEASE ). I've been disputing for the past few months because I have been monitoring my reports and having accounts validated. After some time, AES sent me a promissory note that was not even originally sent to them ; it was not for them at all. I asked for validation that included original documentation bearing my signature and that shows a clear contractual agreement with the company/companies reporting on my credit files. The promissory note sent to me absolutely does not -- because again, as you will see from my attachments, the note was not even addressed to them for payback at all. I am filing separate complaints against the bureaus for constantly coming back with results claiming truly unverified, invalidated accounts are " verified '', " verified as accurate '', and " validated '', basically taking these companies ' word for it -- NOT that there is actual proof, which is required under the FCRA and FDCPA. They are essentially violating law, which is one of the reasons for my complaints. In addition to the promissory, I have included one redacted letter sent to XXXX  as an example to them of what I've been requesting from each of the major bureaus ; it is the final letter I sent to XXXX and displays the seriousness of this matter.
I received a credit card offer to transfer funds for 0 %, I responded to the offer on XX/XX/XXXX. The only reason for opening an additional credit card was to take advantage of the balance transfer. I called on XX/XX/XXXX to follow up on the transfer and was told it would take 7-10 business days. I called again today to follow up and was told it would take 10-14 business days and that their records indicate that I did not request this until XX/XX/XXXX and I should see it post by XX/XX/XXXX. I spoke to a supervisor who stated that a check will be mailed to me in 7-10 business days. I have never had a balance transfer on a credit card be sent personally to me as a check. I am furious that I jeopardized my credit by opening an additional credit card with a specific purpose to do a balance transfer and they are XXXX around with it, not processing it and not processing it per normal industry standards. I spoke to a different supervisor asking to cancel this transaction so I can take my business elsewhere. That being said, I 'm not stuck with this credit card on I do not want or intend to use. Wells Fargo needs to be investigated for their practices.
Calls from " Harris and Harris '' a debt collector. XXXX I called this number XXXX/XXXX/2016 to tell them I owe no one, they hung up on me.
I have XXXX late payments listed on my credit report because the monthly statements was sent to the wrong address.I have requested that all credit card companies sent my monthly statements to my XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX rather then XXXX XXXX XXXX, XXXX, Louisiana XXXX. The XXXX XXXX XXXX, XXXX, LA XXXX address is a box on the street which anyone can just come alone and steal mail out of this box on the highway.Send all mail to XXXX XXXX, XXXX, LA XXXX for security reasons so packages are not stolen if I 'm out of town on vacation or ill due to sickness.
ATTENTION COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$180.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$58.00} Type Collection Payment Status Late XXXX XXXX XXXX and collection company did not have my correct address on file, after my credit report company contacted me to report this change I became aware of the charges I immediately called and paid in full. I am requesting that the item be removed to correct the information on my credit report. Please reinvestigate this matter and remove the disputed item as soon as possible as Im in the process of purchasing a home! If you have any questions please feel free to contact me at XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Sincerely, XXXX XXXX
Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.