WillisBack/dataset-financial-user-claim huggingface dataset:
An ATM teller assist machine was unable to complete my transaction and was unable to return the {$2000.00} cash payment to a credit card I was making. I have gotten incorrect information from employee after employee from the phone number provided on the ticket that was printed from the machine. Customer service does n't know what they are doing and ca n't help me, they transfer me over and over and over. It seems the actual people in the branch are more helpful. It has only been two days but I have lost some much time over this issue trying to get a status update, which didnt happened today was over 1.5 hours. 1.5 hours in the branch trying to start a claim. No one seems to know who I can talk to about the status.
I made an online purchase of multiple clothing items from   XXXX   XXXX   for a total of $ xxxx.xx back in  XXXX . 2016. It was shipped in  XXXX  boxes with   XXXX   separate charges to my credit card. The merchandise was all a size too big and of inferior quality, so all was returned in a fairly timely manner - in one box.   XXXX   credited less than half the amount with assurances that the full amount would be credited. Then, that did not happen ;   XXXX   will only issue a store credit which is not acceptable as the merchandise is not quality.
I opened a dispute with Barclay Card us. Barclay refused assistance of any kind for the following reasons. ( 1 ) They allow only 60 days to file a complaint. When a filed a written response explaining that I had been dealing with the merchant for months, who had assured me of a full refund but never delivered, they refused on a different basis as follows : ( 1 ) Before I returned said merchandise, I was to have gotten a letter from a competitive designer stating that the   XXXX   XXXX   clothing did not fit and was inferior. This information needed to be on the competitive designers letterhead " detailing how the merchandise received from the above merchant was incomplete, unnecessary or of inferior quality, size, color, or unsuitable for the purpose sold etc. PRIOR to returning the merchandise back to the merchant. '' Ridiculous! Take a moment to consider, is it EVER a customary practice to have a competitor write a letter guaranteeing that the merchandise consumers need to return is defective?! This is a outrageous criteria for a bank to insist upon to credit a consumer.
( 2 ) I needed " to supply a letter of intent as proof the merchant intends to credit my account ''!
This is also outrageous criteria for the consumer - is n't this what my fees for this card pay for? It certainly is what   XXXX   XXXX   XXXX   and our American banks do. Barclay 's reasons for blowing off the consumers can not possibly be legal ; their tactics all but guarantee that money will be stolen from us from the big banks as is the case here.
Thank you for reporting this to the authorities. I hope a Barclay can be restricted from doing business in the US.
My name is XXXX. I used to be XXXX. This was my married name. It shows on my report that XXXX is a name I used which is incorrect. It also shows I have worked at XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter 7 and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.
I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to XXXX, XXXX, and XXXX as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase XXXX/XXXX/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On XXXX/XXXX/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. 

As of today, XXXX/XXXX/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore, as it was not deemed irrelevant or frivolous, Chase provided no notice of such within 5 days as required by the FCRA. 

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of {$1000.00} for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek {$1000.00} for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. 

This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, XXXX XXXX
THESE ARENT MINE I DONT RECOGNIZE THOSE I MOVED FROM THAT RESIDENCE IN 2012
Experian ( Report No. XXXX ) re-inserted/reported a charge off XXXX Credit Card Account ( No. XXXX .... ) after previously agreeing to correction. It has been repeatedly mis-reported with false information. The previous correction only came after multiple disputes via their online system, paper letters, the XXXX and CFPB. Debt is illegally re-aged as evidenced by IRS 1099 also previously showed a balance due for the wrong time period ( s ). I learned of this only because my credit card company sent me a letter stating that I had a delinquency and as a result they were cutting off my credit. I have been damaged by the reckless mis-handling of this XXXX entry that is not only improper but violates Experian 's own internal policies. I attempted to file an online complaint on this change but their online system blocked it as having already been addressed despite allowing the creditor information to be added. I did navigate to their upload option but it was unclear whether the dispute was active or not.
To : BB & T I am sending you this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence

that I have a legal obligation to pay you. Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent 9. Please provide Name and addre
ss of original creditor.

10. Are you the original creditor or debt collector?

11. What the high balance of this account?

12. What date was this opened?

13. When was last payment made?

14. How much was last Payment?

15. What day of last activity?

16 What the date of 1st delinquency?

17. What charge off amount?

I am letting you know that what you is doing is wrong, and to please stop doing it.

1. Stop putting incorrectly information on my XXXX credit report. ( under the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 ) 2. Stop used false representations and deceptive or misleading representations or means to collect or attempt to collect a debt.
I AM A VICTIM OF IDENTITY THEFT, NOTIFIED THE CREDIT BUREAUS OF THE ITEMS AND LATENESSES ON MY CREDIT FILE OF THE FRAUDULENT ACTIVITY ALONG WITH MY POLICE REPORT OF THE IDENTITY THEFT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACTIVITY AS DIRECTED ACCORDING TO THE FCRA LAW SECTION 605B WITHIN 4 BUSINESS DAYS AS THE LAW REQUIRES THEM TO DO AND THERE NELIGENCE HAS CAUSE ME TO GET TURNED DOWN FOR LOANS ECT. AS THE FRAUDULENT ACTIVITY ON MY REPORT HAS LOWERED MY CREDIT SCORE CAUSING ME TO BE AFFECTED AND IF I DONT HAVE THE SCORES REMOVED AS THEY WERE TOLD I WILL BE FORCED TO FILE A COURT COMPLAINT AGAINST THESE COMPANIES FOR THE NELIGENCE.
This company has illegally re aged this alleged debt that I owe. They have also reported their debt collection agency as a an open account on my credit report. which makes it seem like I opened new accounts and defaulted on them. these deceptive practices have hurt my chances to obtain credit. Now I will be forced to take legal action against this agency unless they delete these erroneous accounts from my credit report immediately.
ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. XXXX : EQUIFAX- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX EQUIFAX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XX/XX/XXXX
I have sent many letters to try to get this account removed from my name many times it has been 2 months going on 3 months and yet has the Credit Department been complying with the law. They know that if i ask for proof of account collection being mine they must show me proof to collect the debt. They have failed to do so and i have try to work with them on providing me the proof.
I am attaching a former complaint about Santander -complaint # XXXX. I called CFPB on XX/XX/XXXX to find out Santander 's response. I was not given a deadline to get this information back to you  by the person I spoke with on the phone. I have been ill and had XXXX  work done since the above referenced date. I am sending you the documents Santander requested. I am hoping you can forward them to Santander or send me a fax number or email the documents need to be sent to. You also need to know that we had to have our payment taken out by XXXX XXXX /XXXX  as a condition to be eligible to receive the loan from Santander . My husband is XXXX and I work at a XXXX XXXX XXXX. I have to work overtime to make ends meet as it is.I also have never been able to log in and check on my complaint even after I asked the person I spoke with on XX/XX/XXXX to reset my password. This is why I am submitting the information requested in this manner.
HI!, I payed HUNTER WARFIELD in full four months ago. they only increased my credit 100 points. it is supposed to go up 200 points. 
they need to increase my credit another 100 points.
My mortgage was NEVER {>= $1,000,000} the highest loan amt I had was in the XXXX ranges! Could you please correct this! Thank You
On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. 
When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.
I am disputing the XXXX report that they are charging me with..I had consumer Affairs involved and they reported back that they over charged me on thier Account..We cancelled the cable with them and 6 months later they kepted charging for a cable bill..And we had internet lite and they upgrade the internet without our permission and We told them disconnect their service and that We did n't want their high priced service..And XXXX told us our bill would only be XXXX a Month and them after the upgrade they went to XXXX without our permission..And they do not have any of my personal infor like Social Security or any such..
I contacted navient several times over the last two years advising that due to medical reason, XXXX in 2015, that I was not able to make my loan payments because I was XXXX and due to hospitalizations, my income was lower. I was advised to take forbearance for those times which I did, not knowing I could have entered into an income based plan. Also, I received a notice from navient of a forbearance period for a natural disaster in my area, but I never requested that. I was shocked when I received the letter. I attempted to contact navient but never received an answer. Finally, navient could not have made it more difficult to enter into an income based repayment plan. The website where you are supposed to upload the application and tax returns for proof of income states that the application is too large to accept ... .its their application. And would not accept tax documents. Took days, numerous phone calls to get a fax number to send documents. Then I was told to pay {$50.00} as a good faith showing so they would not put me into default while my application was pending bc they were n't sure they would have application complete within XXXX 30 days I had before going into default. I did finally receive notice of the I come based repayment plan. However, I am concerned about the forbearance done without my request or permission and the 2 years I could have been on a repayment plan.
I purchased a used car and it financed threw XXXX XXXX XXXX  XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
At the time, in early 2015, I was a customer of Bank of America, living in XXXX County, Virginia. I had several unauthorized charges on my account, and as soon as I noticed them, I contacted BofA 's fraud hotline and had them begin an investigation, with some of the money temporarily returned to me. I was supposed to receive some forms in the mail, including affidavits to sign, however I never received these documents. Subsequent calls to Bank of America told me that the documents were on their way and not to worry. Then, suddenly, out of the blue, Bank of America closed my account without warning and sent a letter of explanation that said I was severely overdrawn because they had removed the temporary credits because I had not turned in those signed affidavits that I had never received. Now I have a permanent black mark on my credit report and am blocked from re-opening my account at Bank of America. Since this was n't my fault and I made several reasonable attempts to resolve the situation by following through on their legal requests of me, I would like this decision to be reversed and to be allowed to bank with Bank of America again.
XXXX XXXX, 2016 I traded in my car at XXXX of XXXX. I had an auto loan with Regional Finance in XXXX, SC. XXXX of XXXX called Regional Finance to confirm the pay off amount which was {$13000.00} according to Regional Finance that day. XXXX of XXXX agreed to pay the car off for me and placed me in a new car that day. One month later, XXXX from Regional Finance called me stating I have not made my car payment for the month. I told them I traded in the car with XXXX of XXXX they were suppose to send you the check for the car, they said they did n't receive it. I called XXXX at XXXX of XXXX, He stated they were working on it and should be sending them their check that week. Regional Finance accepted the pay off check from XXXX of XXXX and gave them the title of the car. XXXX from Regional Finance calls me again a week later stating I still owed them {$2000.00} for the car because the pay off amount was not correctly given to XXXX of XXXX and someone needed to pay this amount. I went up to their office that same day told them I would not pay because that was a mistake on their end not mine. I had XXXX on the phone from XXXX of XXXX with me, who stated XXXX the salesman spoke with a guy named XXXX that morning of the sale. XXXX stated it was not him. Also, XXXX stated well since no one recorded the conversation to see who it was from the office who told the incorrect pay off amount. I would still be responsible for the remaining balance. During this conversation XXXX was working on the computer when I pointed out to him and shouted to XXXX on the phone that on XXXX of the screens he was on the exact same pay off amount that was quoted to XXXX of XXXX. It stated pay off amount {$13000.00}. So I told them it was definitely Regional Finance mistake for giving XXXX of XXXX the incorrect information. XXXX of XXXX confirmed with Regional Finance TWICE on XXXX XXXX if that was the correct pay off amount and Regional Finance stated it was the correct amount. Of course, Regional Finance reported it on my credit report that I missed 5 car payments from a {$7700.00} remaining balance. {$7700.00} balance is what the full term of the car balance would be if I went to 72 months to pay it off. Regional Finance did report they received the {$13000.00} from XXXX of XXXX, however I still owed them what now what reports as {$850.00} ( where this new price came from could not even tell you ). So now the account is currently charged off, due to non payment, on my credit report because I did not give more money for a car already paid off and no longer in my possession.
I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, Equifax & XXXX
I disputed this a number of times, directly with the debt collector and Transunion. I can not get even a basic statement of my account prior to the sale to   XXXX   XXXX   XXXX   from the original lender, nevermind any of the other things requested.
The dispute is with   XXXX   XXXX   XXXX   XXXX   (   XXXX   ), via   XXXX   XXXX  , and Transunion. The latest dispute with Transunion was dispute   XXXX    opened via   XXXX   XXXX   on  XX/XX/XXXX and disputed again on the XX/XX/XXXX . The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that   XXXX   is attempting to recover is not correct. I specifically requested proof of the transactions from   XXXX    including the amounts that constitute this debt and the interest that was charged. No proof was provided by  XXXX  ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that   XXXX   asserts these transactions occurred, and when any payments were made. No proof was provided by  XXXX .
c ) I specifically requested proof of ownership of the debt from   XXXX   and that they were the final holder of this debt. No proof was provided by  XXXX .
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by  XXXX .
e )   XXXX   themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.
Upon deciding to have a medical procedure done, and only having Medicare as my primary insurance, I was lead to believe that if there was a co-pay there would be assistance available to me that would cover the co-pay.
Unauthorized hard credit inquiry, onXX/XX/XXXX XXXX XXXX XXXX used a service, Credco and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and Credco in writing to no avail. XXXX and Credco indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but XXXX and XXXX refused to follow suit.
My son went online to order a free credit report. the website offered a FICO score for {$1.00}, so I offered to pay for the FICO score, and input my credit card information. Unbeknownst to me Experian now had my credit card information and proceeded to enroll my son in a credit monitoring monthly service for $ XXXX/month. I did not select a box, or approve of this charge to my credit card. Experian is using FCRA and FACT ACT for their financial benefit. If you go online and search if others are having this same issue, under the Consumer Affairs website, you will find a lot of complaints about the same scam, but people do n't follow-up on it - they just pay for the fraudulent charge, and have it cancelled. I would like the CFPB to investigate these tactics, and ensure that the free credit report that the FACT ACT guarantees is not exploiting consumers. 
To manage this situation, for the XX/XX/XXXX charge, I disputed the charge with my credit company, which took several weeks and extended efforts on my part. The credit card company closed down my credit card, and issued a new account number because Experian now had my credit information. Before they could close out the account, Experian charged me for a XX/XX/XXXX {$21.00}, which I am now disputing with Experian once I get my old credit card account number from XXXX. I want Experian to provide me restitution for the time and efforts I have had to put into this situation - restituting consumers for time and effort my cause them to manage their business with integrity.