WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered a product from a company XXXX for a fitness tracking watch in XX/XX/2018 for {$40.00}. The tracking number that XXXX provided is XXXX never received the watch. I had attempted to reach out to the company and they would never return my call or contact me by email. When I was unable to have them acknowledge my request. I then reached out to Paypal Credit to file a dispute that I never received the product. Paypal claims to have opened a complaint case and they contacted me with the results. They sided with the shipper saying that the item was delivered. To this day I still have not received my item. I contacted Paypal again and asked them their reasoning why the agree with the shipper. Paypal said that they provided a tracking number. I asked them that the tracking number provided only showed shipping progress from XXXX to XXXX XXXX in New York and not tracking information from there. Paypal said that they said the post office delivered it to my address. This did not happen. They then said I need to check with my post office. It is not responsibility to check with the post office. That is for them to do if they are researching where the product is.
We worked with a GREAT mortgage person to secure a mortgage loan in XXXX with PUF. We have been ON XXXX & XXXX & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about XXXX of XXXX, we have been getting " collection calls '' EVERY month. XXXX is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service approach!!! Again I have had a half dozen mortgage loans & NEVER have been late & NEVER had this kind of service or better description, HARASSMENT! I have to go to my account EVERY month & make sure that all my deposits were made, as ell as my online bills posted. I have had my account compromised more than one time by the online thieves. So needless to say this cause unnecessary STRESS, when I get a " collection '' call, for a mortgage that is & always has been CURRENT! I asked the CS gal if they would call me for the next 30 years, EVERY month, if not paid on the XXXX, ( which they give you until the XXXX each month to pay ) she said yes probably, but I could set up auto-pay to avoid their calls. I had to remove my husbands phone number from the database as they were calling him at WORK! Talk about unneeded added STRESS! I have had been hung up on in previous months, because the rep who answered the phone when I returned the call did not have XXXX as his first language & he could not understand me. On another occasion, the " collection person '' who left me a message did not hang up her phone after leaving the message, so I got a 45 minute voice mail. This is the worst CS I have ever received, only second to XXXX XXXX XXXX who is rumored to be going out of business here. What upsets me even MORE is the fact these companies who loan us money or offer services OWN us through the credit bureaus. They can report anything they want ( as they PAY, and are the credit bureaus CUSTOMER ) and there is NO real verification process. Then our credit worthiness is determined by a FLAWED system/number AND the XXXX NEVER match. Because the harassment policy of XXXX, I will NOT be recommending them to anyone! If they do NOT CHANGE this harassment " collections '' policy to STOP stressing good customers, I will be reporting them further & I WILL change my phone number with them.
Victim of identity theft, numerous accounts opened in my name. Please close account, do not send new cards, and remove account off of all XXXX credit agencies. 
Citibank was asked to close all accounts in XXXX XXXX, remove all e-mail communications, and continued to send numerous cards and account numbers. All accounts disputed. I opted out of arbitration with Citibank after receiving a letter from them stating it had to be done by XXXX/XXXX/XXXX. I sent an Opt Out of arbitration on all accounts on XXXX/XXXX/XXXX and received documentation from Citibank that out of XXXX accounts addressed out of XXXX that XXXX account did not meet the criteria for Opt Out because it was received after their deadline, when all were sent on the same day. I have sent FCRA documentation with identity theft report, police report, and documentation of identified Banks that had closed accounts. I received a Collection letter originating from a Citibank account ending in XXXX that was sent XXXX XXXX, XXXX from a XXXX XXXX XXXX. Then, I received a letter from Citibank that was sent regarding the same account that was sent XXXX XXXX, XXXX that stated that if I did not contact them by XXXX XXXX, XXXX the account would go into collection after I had already received a letter from the XXXX XXXX XXXX on the same account. I still get e-mails about accounts I have no idea what they are after requesting no e-mail communication by Citibank. Privacy settings were changed through Citibank when I never initiated anything online. Citibank continues harassment and intimidation.
I am among those that had their identity stolen due to equifax 's lax cyber security. I checked on the website they provided for this incident and I was listed among the potential victims. 
Even the website they provided for checking to see if my data had been compromised showed several signs of ignoring standard web security protocols. 
I fee that equifax is liable for this data breach because they did not even follow what would be considered standard security procedures.
This company has been contacted by my attorney numerous times, in writing stating that two of the accounts they continue to show on my credit report are included in a bankruptcy and need to be corrected yet they continue to report these accounts as being correct on my credit reports. I have tried to contact them by phone since they still refuse to remove the accounts but no one will return phone calls. They show on my credit reports as a medical bill but I was never given copies of the bills they are attempting to collect on.
in XXXX 2014 I made my mtg. payment. it was n't until XXXX or XXXX they informed me that I missed my XXXX payment. I have since spent months trying to resolve this. I have sent my bank statement showing I made the payment and they took my money. my bank even sent them proof of payment. but Ocwen 's response is they are trying to find out what they did with the money. in the meantime i 'm receiving late notices still, my credit has been trashed, and they are taking late payments. they refuse to fix my account. why am I paying for their mismanagement of funds. I informed them I am filing a lawsuit against them and will not play their game any longer.
I repaid in full and closed my auto loan with XXXX XXXX XXXX on XX/XX/2018 ( account number XXXX ). This has not been reported by FICO and my credit score has got impacted due to lack of payment information. I get this message when I do my credit check with XXXX based on Equifax FICO Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.
I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was.
On XX/XX/XXXX at approximately XXXX XXXX. I logged onto XXXX XXXX XXXX website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX Speed Pay website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX  XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX. They are stating the payment was due XX/XX/XXXX. I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX. They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.
On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.
I opened the account in XX/XX/XXXX with a promotion attached to it that stated if you made 2 bill pay  payments that US Bank would give you XXXX. I completed the bill payments the same day the account was opened. The customer service department blind transfers you to the branch when you call for help. The branch says they have to check with the back office and they will call you back. The first time I was called back a week later and told the funds would be there in 1 week. I called again when I did n't have the funds and was told I would be called back and I have not been called back. I feel that I was tricked into opening an account and have not received the funds that I was promised.
In reference to credit card account ending in XXXX please be advised that I did contact the executive office several times in XXXX and XXXX 2017 by leaving voicemail messages in reference to this account and received no return phone call to date. I attempted to reach Chase before this account was closed in the middle to late XXXX 2017.
Experian continues to report a settled XXXX XXXX XXXX account to my credit report even though the FCRA 7 year reporting rule has expired. My records show that the last payment on this account was prior to XXXX XXXX and in fact, the account was charged off by XXXX XXXX XXXX prior to XXXX XXXX and settled with a third party collector in XXXX XXXX ( see attached settlement offer letter ). Typical time of delinquency prior to charge off is 6 months, clearly indicating that the date of first delinquency was in or prior to XXXX XXXX and that the 7 year reporting rule has expired. XXXX and XXXX have both dropped the account from their reporting, but Experian continues to report it with serious impact ( XXXX points ) to my FICO scores.
I have contacted the company via mail certified on numerous occasions regarding this fraudulent auto loan. They keep verifying illegally a fraudulent account opened in my name and ssn to the credit bureaus. They also are refusing to respond to my mail asking for information.
I mailed payment in time as soon as I got the statement JPM Chase claims to have gotten it 5 days late now there charging XXXX dollars in fees for XXXX dollars and claiming frauadently they got it late.this not fair this is highway robbery.
Certified letters including police reports were mailed and received by XXXX XXXX/Resurgent Capital Services on  XX/XX/XXXX @ XXXX hours,XX/XX/XXXX @ XXXX hours, and XX/XX/XXXX @ XXXX hours. XXXX XXXX XXXX agency also received a certified letter on XX/XX/XXXX @ XXXX hours requesting validation of several accounts that were established without my knowledge and consent due to identity theft. Both XXXX XXXX/Resurgent Capital Services and XXXX XXXX XXXX agencies have NOT been able to provide proper debt validation according to the FCRA guidelines within the 30 day time frame.
Midland Credit Management keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.
My XXXX scire dropped significantly in late XXXX and the reason credit katana reports reported the change was due to a change in or use of another name on my credit file. The error was reported by XXXX and I obtain the information by reviewing credit karma free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to XXXX and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the XXXX score is lower
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover from other sources. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I had my account accessed and used in what I believe was a scam activity. Someone was sending money to my account and distributing it within seconds to another account via friends and family according to paypal they are saying it was me doing it when I have provided them with everything I possibly could obtain to prove it was not my doing. I do not feel obligated to pay something that I never had the money for and have no part of.

PAYPALnever looked into the unusual activity in the account. I uploaded several documents of me reaching out to individuals trying to obtain why the money was coming in and going out. The activity they are claiming to be seen on the account is not valid. I reported to paypal several times, via email, spoof, phone calls, and reports that the matter at hand needs further looked into. I had my identity taken from me on this matter, I informed paypal of this issue and did all the security measures they recommended. I cancelled my paypal card due to it being stolen, they issued a new one and I never activated it. I contact my cell phone provider about my device that I did all my banking and personal use on was stolen. I was issued a entirely new device with a new IP and did everything they recommended. I have contacted my bank and put a freeze on my one and only account. You can see that I never touched any money that came in to that account that was suspicious to the activity. The money was withdrawn immediately from a unknown source. I have no relations or affiliation to whom ever received this large amount of money. I will be contacting consumer affairs.
To Whom It May Concern : Discover was involved to get the case resolved on my behalf but they did nothing. Although I included all the support documentation from 3rd part government website showing that no service was rendered. The case was resolved into my favor, then, it got denied, and automatically got into the so called second review, which is basically a bit of time waste and then denial, since no one really looks into documents provided until CFPB gets involved. I contacted Discover few times, they said they will have a serious look into the issue and they will get back to me. But they never did. 

Summary of the service to be received : Attorney XXXX XXXX XXXX was contacted on XX/XX/XXXX for help in regards the driving ticket representation. He promised to get the traffic charges and we agreed upon 2 payments each of {$450.00}, total amount due would be {$900.00}. 

Ticket violation was XXXX ( DISREGARD TRAFFIC CONTROL DEVICE ). 

On XX/XX/XXXX Attorney XXXX XXXX XXXX left message saying I should pay the fine ( {$150.00} ) now and that I have an outstanding balance of {$450.00}. I checked on the phone, and it looked like the court was rescheduled from XX/XX/XXXX to XX/XX/XXXX so I was a bit confused if charges were dismissed, then why to pay the fine? Keep in mind that XXXX XXXX court payment processing website updates the info in real time. 


Then on XX/XX/XXXX Attorney XXXX XXXX XXXX sent multiple messages saying he is withdrawing from the case, keeps the funds and not going to help any further and I can deal on my own. Although not long ago he advised that the case is over, and 2 payments had to be made one for {$450.00} to pay the balance, and {$150.00} for fine ( for a dismissed charge ). 

On XX/XX/XXXX the payment however was made for {$450.00}, but {$600.00} were billed, saying the charges were dismissed. However, on a website when I checked, it says the ticket was paid on XX/XX/XXXX for DISREGARD TRAFFIC CONTROL DEVICE, which is the same charge as charged initially. 

At this point the situation is that Attorney XXXX XXXX XXXX was paid to get the charges dismissed, and in the end I got guilty as charged, had to pay the fine for the violation, and attorney for paying on my behalf the ticket online billed me {$900.00}. 

For dismissed charges you dont pay fines. 

For Discover disputes service I included the screen shots to see before/after the court dates to see that it updates info in real time, shows the charges, I also included the ticket information and highlighted another ticket what to look at ( original charge and to compare it with the website as well as how to XXXX XXXX XXXX to see the violation ( which is in the ticket ) and compare against the court website. 


You may also validate it here : XXXX XXXX XXXX enter ticket number : XXXX
I am currently under bankruptcy and both the collection agency and XXXX have been notified by my attorney. They are still reporting as an open collection on my report which is a clear violation of my rights and are refusing to remove this information.
Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a XXXX XXXX Credit card that I did not authorize. After talking with TransUnion they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both XXXX XXXX and XXXX XXXX, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to transunion to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to XXXX XXXX for a letter of deletion.
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted   XXXX   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX  Bank  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX
I contacted Asset Acceptance and I requested that they validate the debt and I got no response. I also requested that Asset Acceptance remove this debt from my credit report and they refused.
I took a starter loan out at XXXX XXXX XXXX of XXXX, Tn,XXXX this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from XXXX XXXX the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed XXXX XXXX I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to XXXX XXXX XXXX of XXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.
I have had a horrible experience with this Bureau. Equifax on XX/XX/XXXX deleted my whole credit file with XXXX new collection accounts that were old and had been previously deleted but When i called them and asked if they saw the new collections they stated there were none which there werent. On XX/XX/XXXX They updated the report with the old collections and my score dropped significantly from XXXX to a XXXX. I am trying to close on my home ( I cant stress this enough! ) In a nut shell I called XXXX of the Creditors ( XXXX ) they stated that they had deleted this from my file back in XX/XX/XXXX and had not reported this since then. Equifax has received a response from this credit regarding my dispute and still the accounts are showing on my report and not updated as deleted. They take forever to respond and send correct information as they should. This should be a law suit at this point. I should not have to fight to have my credit file updated correctly! Then as of XX/XX/XXXX my report was updated again like i had all brand new trade-lines and everything came back. Mind you i called and spent over 2 hours on the phone on XX/XX/XXXX asking why this happend and could not get a reason as to why.