WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX XXXX XXXX on XXXX XXXX XXXX and my claim was denied for XXXX XXXX DUE me using my credit card ending XXXX in the amount of XXXX I did n't make this purchase my son too my card without my permission and made this purchase I do n't have this card anymore due to recent fraud been going on on this card I told the bank at the branch I did n't make this purchase and Bank of America will rebilled me on XXXX XXXX XXXX
On XX/XX/XXXX my husband and I purchased flooring from Lumber Liquidators and paid to have them install it, using our XXXX XXXX XXXX. The installation was not completed because they were missing trim pieces. I was very unhappy with the installation ( unlevel, cuts where they should not be ) and I informed XXXX XXXX immediately. They contacted the flooring company, who was supposed to come to see the issues but did not call to do so. I had a contractor look at the issues and he ended up completely redoing the floor as it was unlevel, cut improperly and laid so badly it had to be redone. 
I filed a dispute with XXXX XXXX XXXX for reimbursement of the installation cost which I had to pay to have redone correctly. I submitted copies of the emails, pictures of the mistakes, which showed I had been in contact with XXXX XXXX immediately following the install. I had to submit this a 2nd time as Chase could not find the information after I first sent it and had not addressed this the first time. I received a letter from Chase with a copy of XXXX XXXX response, saying I had never reported the issue. I had sent Chase a detailed letter including emails that I had sent to Lumber Liquidators, which the manager had replied to, which clearly showed I did report the issue. Chase found in favor of XXXX XXXX even though I proved they were lying. I filed another dispute and asked to speak to the reviewer, but was never allowed to. I submitted multiple requests by letter and telephone call to Chase requesting I speak to someone in person, but was never contacted despite being told I would be. At this point, Chase said too much time has now passed to reverse this.
XXXX XXXX has continuously tried to collect on old debt. Even after being disputed ( they could not validate the information ) and being removed from my credit report, 2 years later it randomly shows up again on my XXXX credit report with misleading and incorrect information.
On XXXX XXXX of 2016, I called Fenton and McGarvey Law Firm, hereafter known as " the company '', and asked for assistance in figuring the final payment amount for my account. The representative told me the payoff amount and provided me instructions for how to pay the account off online as I was not in a position to provide payment information at that moment. Before the contact on XXXX/XXXX/2016, I had a payment arrangement with the company that consisted of a monthly payment of {$64.00}. When speaking to the representative, she confirmed that my monthly payment arrangement would automatically cease when the account was closed out. However, on XXXX XXXX, 2016, a check was sent to my bank for cashing from the company in the amount of {$64.00}. I called the company on XXXX/XXXX/2016 and was told by the representative that I spoke that they were aware of the error but would not return payment until XXXX. When I asked to speak to the supervisor, the representative told me he was unavailable and that it was " my fault '' that payment was taken. She informed me that due to the fact that I paid it off online, they were not able to cancel the monthly arrangement. This was after being on hold and listening to their IVR inform me " For faster service, please pay online '' I told the representative that it was unacceptable for them to place blame on me and demanded to speak to a supervisor. After being place on hold, I was routed to a XXXX XXXX and placed on hold for 10 minutes. When he returned, he said they needed proof that the additional funds had been removed from my account ( after the previous rep confirmed that they knew there was a payment overage and would be resolving it ) I offered to send a copy of the electronic check and the line from my bank statement to resolve the matter before XXXX. It feels incredibly invasive to be asked to provide this information when they were able to confirm an over payment had been made. The company has violated the FDCPA by engaging in unfair collection practices by removing an amount more than what was owed.
I have received on XXXX/XXXX/2015 letter dated XXXX/XXXX/2015 from OCWEN LOAN SERVICING , LLC informing that my Mortgage number XXXX was transfer to another Finance Company XXXX XXXX XXXX, XXXX. 
Information from the new Company XXXX XXXX XXXX, XXXX is incomplete and is not allowed to contact any body from that Company to continue my payments. 
Attached you can see letter received. 
Additional problem is OCWEN LOAN SERVICING , LLC has not clarified information requested before for payment modification that includes additional amount for {$710.00}. 
Could you please help me to : a ) Ash them to clarify where I Can pay my mortgage loan, because was due date XXXX/XXXX/2015 and they did not accepted my payment for XXXX. 
b ) Review all information for the modification that was not clarified for the additional amount for {$710.00}. 
ThanksXXXX XXXX XXXX XXXX, XXXX, Tx. XXXXXXXXXXXX
I took out an installment loan with Justice Finance. I made my payments and had no problems for a long time. I even would refinance my loan from time to time. If i got a little behind I always called and they worked with me. The 2 girls in the office were always really nice and willing to work with me. I fell behind due to medical issues with my husband. I began getting calls from them pretty much daily and then they starting calling my job. I send a note to the office as well as spoke to them and let them know that I was not to receive any calls at my job due to our rules at work. I then started to get 2 to 3 calls per day which is a violation. I was essentially ignoring the calls since there was really nothing I could do about the account. The last straw was on XX/XX/2018 when I received a call from a new girl in the office XXXX. Instead of calling me from the office line she called me from her personal cell number and I answered. She was beyond rude. She proceeded to tell me that this was my loan and I needed to take care of it and that I had no excuse not to take their calls or call them back that I get breaks at work. 
ON XX/XX/2018 I sent a letter straight to the office as well as their corporate office as an intent to sue for the violations. I have recordings of the call. I did finally receive a response back from them that they were sorry that were unable to come to a solution as to what I had asked for and I could contact them by mail and they were ceasing all collection activities. I have not sent any other correspondence to them as yet. 
I could file suit with my attorney but I was trying to give them the opportunity to make this right. I know being in the collection business that violations can be fined at {$1000.00} per violation and they had several. 
All I asked from them was that my loan show paid in full and reflect positive on my credit. My loan balance was under the {$1000.00} fine amount. I can hire my attorney and get much more I was just trying to give them the opportunity to make their mistakes right but nothing has been done to this day.
I sent my XX/XX/<YYYY> monthly mortgage payment to BofA ( my lender & loan servicer ), loan # XXXX, # XXXX check for {$690.00}. I did not receive a XXXX statement in the mail form BofA, so I wrote the loan number on my check, & stapled a note stating to apply my payment to my # XXXX loan. BofA cashed my check on XXXX/XXXX/15. On XXXX/XXXX/15, I received a delinquent notice in the mail stating I did not pay my XXXX mortgage payment. On XXXX/XXXX/15, I called BofA, was put on hold for 20 minutes, then routed to collections. After talking to XXXX XXXX XXXX foranother 25 minuted, he stated my check was applied to another loan. XXXX XXXX said BofA would fix their mistake & waive imposed charges. I have called BofA serveral times trying to resolve their incompetent mistake, they refuse to fix it. As of today XXXX/XXXX/15, I have received XXXX delinquent notices, threatening they will call my loan due, threatening a foreclosure on my VA XXXX Veterans Administration XXXX loan, threatening reporting the delinquency to the XXXX-credit bureaus, threatening to report to the Veterans Administration loan delinquency. In addition, BofA is sending me delinquent threat letters to my email, calling my cell phone & home phone every other day, & sending me certified letters. Please provide assistence to stop BofA from performing illegal, unprofessional, unethical, & fradulent banking business tactics. I paid my XXXX mortgage payment in full for XXXX, BofA took my money & is threatening & harassing me by phone, email, & XXXX mail.
XXXX an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. LENDER FAILED TO NOTIFY US-I XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws XXXX corrected error but not EXPERIAN OR XXXX
In my previously closed complaint, CITI asked me to provide evidence that XXXX XXXX XXXX indeed promised me with the full refund of XXXX dollars. If found, CITI promised to refund me with the remaining money, which is XXXX dollars. I have just manged to find evidence of his promise. I have attached below.
They mishandled my information, which puts me and 209,000 other people at risk. I am also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

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/XXXX and XXXX {$0.00} Past due : Experian and XXXX $ XXXX/XXXX {$65000.00} Experian shows that I paid on time for XX/XX/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 XX/XX/XXXX, and XX/XX/XXXXand XX/XX/XXXXor XXXX while XXXX clearly shows that I paid on time. Delete this account at once! 

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/XXXX and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Pioneer calls me every single day including weekends. Some days they call XXXX three times. They have called after XXXX. These are robo-calls with the message to " wait for a representative tative. ''
I had a student loan 30 years ago for XXXX I paid most of it off. I contacted Fed. Loan to inquire about it. They could not find one with my name and social. 
Finally they found it and stated that it went up to XXXX. I set up a payment plan and had them to automatically withdraw it from my account. I never missed a payment. They reported a 90 day late payment and it went up to XXXX in two months. This is wrong.
I tried to dispute their errors of their investigation online and I can not. I already sent them documentation proving my identity. 

( 1 ) XXXX XXXX should not have any balances or histroy it was discharged in bankruptcy. No Activity past filing date of XX/XX/2015 and no erroneous reporting. See XXXX report and letter from XXXX. 

( 2 ) XXXX XXXX XXXX and written off prior to filing no balances or history, or payments should be displayed charge off prior to filing see XXXX. 

( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX not included in Bankruptcy and re-affirmed. 

IF the accounts can not be correctly verified by them from the Furnisher, then they should delete. XXXX states they did not report the late payments in Balance History which means that the erroneous data is being inserted by Experian in violation of the Chapter XXXX discharge. Delete any balance history and ensure that the XXXX XXXX is showing the charge off date from last year as in XXXX Report. As far as XXXX there should be no balances or pending payments reported past the filing date. XX/XX/2015
I have paid this loan for approximately 10 years ( XXXX to current ). 

The original loan amount {$60000.00} Current balance {$49000.00} Pay down over 10 years {$11000.00} Annual principal reduction per year {$1100.00} Projected Loan Pay Off XX/XX/XXXX( I 'll be XXXX years old ) I believe that the loan is a Predatory mortgages and is unfair and abusive. The terms of this loan maximizes the lender 's profits while making it very difficult for me to repay the loan. I have little financial knowledge and minimal financial resources. 

I am uncertain if Wells Fargo has violated the federal Fair Housing Act by engaging in lending practices that favor the lender not the homeowner. This is a very bad loan for my circumstance which can result in foreclosure from a single unexpected change in my lively hood or health. 

To worsen matters, Wells Fargo has placed PMI insurance on my second mortgage even though I have an impound account with my first mortgage company. My first mortgage is and has been current. I have asked Wells Fargo to provide me documentation substantiating the additional fees yet they has not provided me any information.
Since XXXX 2015 I have been unemployed due to being laid off. During this time I have attempted to make my payments but when you have not income coming in it is very hard to do. I have been talked to very inhumane regarding my account. I am constantly being threatened by my car being deactivated. I am constantly asked if someone can pay for me. If that was possible, I would not be behind. Even though my sister cosigned with me, she does not help me at all with this even though she knows my situation. I am on my own right now. I am daily looking for work so I can get back on track with you all. This is the second vehicle that I have purchased through Credit Acceptance and I had no problem with my previous purchase. I want to keep my car but I need some assistance right now and no one in the organization is willing to assist me or work with me except for demanding that I make a payment. I need a deferment so I can get back on track and not ruin my sister 's credit because that is her main concern right now. I appreciate any assistance you can give me.
I opened a PNC cash rewards credit card in XX/XX/XXXX. I opened the card along with a checking and savings account. I found an advertisement online regarding promotions for {$300.00} ( for opening an checking/savings account ) and {$100.00} ( for opening a credit card ). The CSR said she opened up both accounts and gave me both promotions, but she had some IT issues and had to get her manager to enter some information for her. 

I met the requirements for both bonuses and I eventually received my {$300.00} reward. However, PNC did not pay the reward for the credit card. I called numerous times to PNC in XX/XX/XXXX and eventually got to a retail escalation agent. I documented contact with XXXX XXXX at XXXX ( reference number XXXX ) on XX/XX/XXXX. She basically said that the CSR did not enter the promotion code upon opening and I did not qualify despite meeting all the requirements of that promotion ( they are still currently running the promotion ). She refuse to send me an email documenting the circumstances and I called again to another retail escalation representative and she would not send an email documenting the details either. 

Given the lack of transparency, I'm confident they know what they did was wrong. The CSR either lied about me not requesting the promotion or had IT or training issues. I believe that the false advertising may qualify for a UDAAP violation and civil money penalties for all potential PNC credit card customers.
XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.
Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.
Hunter Warfield has be unable to provide proper documentation validating this account. 
I am seeking immediate action and for them to remove this inaccurate and negative information permanently from my credit report. I have asked for the company to send me verification of my original lease and all I have received is a copy of a lease without signatures from XX/XX/XXXX-XX/XX/XXXX. I have sent Validation Letters on XX/XX/XXXX ; and XX/XX/XXXX for this company to provide proper validation and I have yet received a response. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
I do not have a contract with XXXX XXXX. I am not responsible for the collection for the debt with Comenity Bank. I am not responsible for this debt.
XX/XX/XXXX I made a payment to pay my XXXX XXXX account. The payment was not received. I did not have to make a payment over the phone amid this because I filed a complaint over the phone with XXXX XXXX. Upon calling the investigation of the XXXX XXXX took two months. During this time I waited and did not make any payments because I was told that the payments we 're going to be refunded and plus I made the payments. I just waited for those reasons to make the payments. The result was that XXXX XXXX lied, and what happened when I called the bank about this was the dispute took two months. After filling the complaint there was nothing left to pay because I made the payment. XXXX XXXX charged me for two months nonpayment and then charged me a late fee as a result. The next billing cycle I called to get a PO box for the payment and was given a PO box number. I set up my bill payment to go to that PO with XXXX XXXX and that was it. I began getting calls a month into the next billing cycle about nonpayment and the calls did not end for two weeks. The calls ended in XXXX upon a XXXX dollar payment through XXXX XXXX bill pay. Once the update about the payment not going through was recieved, XXXX XXXX, said they never received a payment for my XXXX XXXX account. I asked why were n't the payments received. They told me that they did n't receive the payments because of the bank. This was the second time in four months they used the same tactic to get the money before the business month ended. I end up paying XXXX dollars the XX/XX/XXXX and the payment was set to arrive the XX/XX/XXXX. Initially, I the payments were n't received and XXXX XXXX charged me another XXXX dollar late fee. Totaling XXXX dollars again for failure to pay. Over a year 3 years this company has done this to get the money before the end of a payment cycle. My credit has been devasted due to late charges from XXXX XXXX.
I logged online to check my credit so that I can start to fix it. I found false information and credit being checked with out my permission. this has kept me for taking care of my financial responsibilities. I have been cyberbullyed becuase of my non professional investigation into my financial history and progress. 

sincerly. XXXX XXXX XXXX