WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018 I signed up with XXXX XXXX for 3 bundle TV, phone calls overseas and internet service of XXXX. on XX/XX/2018 this service was connected to my resident without XXXX and they gave me XXXX instead. From day one I was  not happy at all with the system specially with the international phone calls which none of them went through and made daily phone calls to XXXX about it and they absolutely did nothing about it.therefor I gave up and disconnected my service with them and returned all their equipment back to them.Now I am getting {$290.00} charges from XXXX XXXX XXXX XXXX for the terrible service that I only had for 6 days! I have been calling this agency to dispute these charges since I received the first notice of {$290.00} and they are running me around to XXXX and XXXX  sending me back to collection agency and I can not get any answer from either one. Today I spoke to some one by name of XXXX XXXX at collection agency and rudely after I said I will report your company if you can not help me to resolve this matter and ruin my credits after XXXX years of age, then she said " well in that case since you are threatening us I am going to close your account and send it back to XXXX!!
My FHA mortgage loan is currently serviced by Chase Bank. Chase Bank claims that the total amount past due is {$21000.00}. The alleged claim is for XXXX payments. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), XXXX XXXX XXXX - XXXX, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX Mortgage XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Based on the violations listed herein, I am seeking your assistance on this matter.
My wife and I sold our home in  XXXX  and closed on  XX/XX/XXXX . During this process we packed up and moved to   XXXX   in  XXXX . We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right?   My wife and I decided we wanted to buy a new home in  XX/XX/XXXX , In doing so the lender ran our credit reports only to find that  XXXX  reported us 60 days past due for the months of  XXXX  and  XXXX  of  XXXX . How could this be we paid off our mortgage in  XXXX . After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in  XXXX . The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested  XXXX  to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at  XXXX  with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue!  XXXX  has yet to return any of our calls. Unprofessional to say the least!!!
I sent this letter on XX/XX/XXXX in writing because they have made it so hard to dispute it any other way. I am writing today to document my dispute for two charges on my account. I am highly disappointed in how difficult this has been to dispute these charges given you ( Bluebird ) contacted me via text when you identified the fraud. 
I received a text from you last Friday XX/XX/XXXX asking me to call due to 2 suspicious transactions. You turned those transactions down. I then indicated I saw two charges that had just been put on hold that also did not belong to me. I was told I needed to call back after they posted to dispute them. Given you found the fraud this made and continues to make no sense to me. 
I called on Sunday XX/XX/XXXX after they posted. I had to go through another lengthy phone call and was told you would dispute them and I would receive something over email directing me how to submit it in writing. I still have not received anything so I am now officially putting it in writing. I also plan to complain to the Consumer Financial Protection Bureau. 

These two transactions do not belong to me. 
Store Purchase XXXX 'S XXXX 'S - {$110.00} XX/XX/XXXX Store Purchase XXXX XXXX - {$130.00} XX/XX/XXXX The last transaction I made was for {$17.00} at XXXX XXXX XXXX. I made the purchase in person and had my card with me at all times. Your staff told me that is where you believe the account information was taken that led to the fraud. I had to answer this question each time I called in, so I am providing it now. I did not file a police report because again you identified the fraud. I find that question ridiculous because as an owner of American Express Gold card with a similar incident I was never asked that questions and I never had to go through these hoops to put in a dispute and get it resolved. You clearly provide a lesser service to BlueBird Account holders. 
I am extremely disappointed in the service you have provided regarding these charges. You are in effect holding my money hostage and not going after the merchant that accepted a fraudulent number.
I would like to file a complaint about a representative of Central Financial Control. My roommate XXXX. ( I am happy to provide both my number and the number of my roommate upon request ) was on the phone with this representative ( call began XXXX/XXXX/XXXX beginning at XXXX XXXX ) with my permission and she was on speaker phone so I could hear the content of the conversation. I believe the representatives name was XXXX and but I was unable to hear his employee ID or branch number. As we dialed in my account number before speaking to him, it should be easy to look up who we spoke to. The phone call only lasted 2 minutes and 36 seconds, but in that period of time he yelled, threatened, and cursed extensively. The representative told me that he did not give me permission to record the conversation, so I do not have a recording of his cursing spree, as due to his request I stopped the recording. Considering that XXXX. was calling as my representative, reaching out to the company in order to *pay* a debt when I had not ever even been contacted by the company ( I discovered the debt in a review of my credit report ), I am shocked at this kind of abuse from their employee. I am sending a letter to the company reminding them that the Fair Debt Collection Practices Act of XXXX does not allow employees of debt collection agencies to use obscene or profane language, which he certainly did- with XXXX witnesses ( myself and my roommate XXXX. ). I also let them know I have reported this behavior to the Consumer Financial Protection Bureau and I would like to know the name and employee ID number of the representative we spoke to and what they are going to do about his behavior on their end.
Yes, I agreed with Wells Fargo XXXX XXXX to catch up on payments 30 days late since I was laid off work. I was making payment based off that agreement and they without notice repo my car. I try to negotiate with Wells Fargo, if I would pay off the loan amount off the next day from the repo that they would not place a repo notice on my credit they said yes. What happen next was that they place a repo notice on my credit. 

I have disputed on my credit report but nothing has happen. Wells Fargo is dirty institution does not help customer they ripped them off. With all these headlines and news that are coming out against them. 

Hopefully, with these dispute we can get to a resolution.
I received a denial for loan modification today and was also not allowed to resume payments through that process. I was placed into a modification for XXXX 2017 until XX/XX/XXXX. I included in my hardship letter I was forced to retire and I was waiting for my income to kick back in and needed a foreberance for at least 6 months. Ive been maintaing the upkeep of my house and have lived here for 39 years raising my son. I was told that even if I submit a second request appeal they would still deny reinstatement to make monthly payments. They have now included foreclosure attorney fees which I dont feel should have been added because Ive explained my hardship, when I could resume making payments and that I dont want my son or myself to become homeless by losing my family home. There was money sent in XXXX 2017 towards the monthly payment but it was returned because I was {$230.00} short of monthly payment. I was soon able to send the rest but my file was then sent to a foreclosure attorney.
My house was paid for except small equity line of credit in my mom 's name.i was on the deedXXXX XXXX XXXX XXXX sold this too Rushmore Loan co, they in turn tried to foreclose had to sell at a lower price. I'm wanting full value of that house was a family home. I've turned this over to my law firm to file against this Rushmore, they have bad ratings. They sent no paperwork until attorney sent foreclose papers, then had to sell to investor lost lot of money. Please help on this situation for me. Thanks XXXX XXXX XXXX XXXX XXXX
I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
XXXX XXXX  assumed management of my XXXX XXXX   loans in May. Apparently, I selected " online billing '' as an option but selected against receiving email notifications. This was according to a conversation I had with a represented on Mon XX/XX/XXXX. I was past due by 2 months but had not received notification of this from XXXX XXXX or XXXX XXXX. I spoke to a representative XXXX XXXX ) on Thu XX/XX/XXXX and was told " all delinquent accounts are sent notifications by mail. '' I spoke to her supervisor ( XXXX ) and was told " delinquent notifications can be sent by email. '' I told them that there was clearly a process issue that would allow for online bill pay but not for any online notifications of delinquencies. I asked that the negative filing be waived from my credit report but I was told this couldn't be done without speaking to 'superiors. ' I was assured that I would be contacted the following morning ( Fri XX/XX/XXXX ) but I have yet to receive a call. My credit score before this mishap was XXXX, which indicates a long history of paying my bills consistently and on time. I believe the company has a fiduciary duty to ensure that the person holding the loan has been contacted and informed of pending actions before taking actions that can negatively impact their credit score. At NO TIME did I receive a written notification or telephone call. I believe that these actions constitute a breach of fiduciary duty, possible libel for aggressive pursuing this course of action when, in fact, a process issue created this problem, and potentially fraud because of the misinformation I was provided when I contacted the agency.
Filed Bankruptcy in  XXXX , include d Wells Fargo  Mortgage loan balance. I have been living in the house and paying on it since then.     Starting  XXXX / XXXX / XXXX ,  Wells Fargo has been  calling me trying to collect the debt, even after I informed them that this in illegal!     Today,  XXXX / XXXX / XXXX , someone named  XXXX  or  XXXX   ( he said it quickly ) called me on my cell. I immediately informed him that he was was not allowed to contact me about m y debt or at all via phone. He became angry and then threatened to sue me. He said, oh well, that 's okay, I 'll just contact our attorney.
On XX/XX/17 I purchased {$610.00} worth of autographed pics on line from XXXX XXXX and we never received the merchandise we contacted the seller to no avail and ultimately filed a dispute with my credit card company citi card. The agent of their company handling the call mistakenly entered a fraud dispute instead of a billing dispute. After many months of going back and forth this error was finally corrected and a billing dispute was opened on XXXX of this year. By time this happened however citi had yanked the {$610.00} from the retailer and then since it was the wrong dispute they returned the money to XXXX XXXX. Clearly once money is returned citi can not for e the retailer to give it back so of course the retailer is refusing to do the right thing and now so is citi. After 9 months of fighting and going back and forth with citi they have closed both of these disputes and claim Im out of luck. Problem is according to federal law I should not have to pay for merchandise I clearly did not ever receive. And my credit should not be damaged as a result not should I be held liable for a mistake their employee made in the first place. I am seeking restitution from citi and to  have them write this money off as it was their mistake not mine and I want my credit which they have damaged to be restored regarding this matter.
XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.
I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ...
THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU
Portfolio Recovery has been phoning at all hours of the day and night.

In the past 16 day, they have phoned me week they have phoned me 7 times on these dates and times ( all times/dates are local to me ALL calls were in violation of government regulations : XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX  XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX  ) XXXX They never leave a message and when you answer, they hang up immediately. On XX/XX/XXXX, I advised the agent did she realise that it was XXXX? Her response was " no it 's not, it 's XXXX. '' They refuse to listen but instead want to violate federal regulations.
On or about XXXX XXXX, XXXX, I visited XXXX XXXX in NJ. When I was at their place, having no intention to purchase that day in question, they told me that it was my lucky day and that they will give me a great deal in exchange for my XXXX XXXX. I am a person having very basic knowledge of XXXX, and before I knew they had all the paper work in place for me to sign. I told them that the vehicle is also in my son 's name, and he will need to sign too. To which they said there was no need. I do not know what they did about it. I wanted to test ride, they gave me none, in fact told me that I can return the vehicle anytime I wanted to, which is what is a very good thing about lease. I was misled and was pushed around. Car Dealership did not give me the credit they promised for XXXX, and in fact when I demanded they explain they could not. They gave me a leased car ( of which I had no understanding and in fact misrepresented on ), a very very basic model, which only had AM/FM when I was promised more, it did not have navigation, which I was promised earlier. Yet the price they charged and monthly lease payments ( {$410.00} per month ) generated is not for a basic XXXX car, but what easily can be for a very good name brand with great features. In short, not only they took my car, without my son 's signatures, despite myself bringing it to their attention, they made sure that I walked out with a big exploitive win for them and a big liability for myself, a liability I did not understand, as I got a car on terms I had no clue about. I was misled on, a very basic model with none of the features I was promised, and numbers the dealership manipulated very well that it would make your head spin. I was simply pushed around and bullied. When I asked for my car back and undo the deal they wanted to do nothing about it. When later I visited the dealership with another individual, at which time when my son 's ownership issue brought up again, and how they could have overlooked, they tried denying having any knowledge about it - which I or anyone would find hard to believe, because this is a fact that can be easily checked- but later seems to reluctantly agree that I had mentioned. Given the current state, I am being pushed to make my monthly payments on a car I was misled on which I have resisted, learning only later that it was leased with no return at any time, as they had represented, of which I had no knowledge of, what it was all about. But most of all, they have tried converting my son 's property without his permission, even when I personally reminded, and this is a fact one can easily confirm, especially a car dealership would easily have it confirmed. In short, I bring it to this ageny 's attention not only to seek a just result and undoing of the transaction, but because, I do not want anybody else to suffer at the hands of this dealership ( XXXX XXXX ) and its finance company ( KIA Motor Finance ) as I did. I want the entire deal be undone and such dealerships and their finance companies because of their agents be brought to task. They know how to prey on innocent consumers, whom they can manipulate.
My new mortgage obtained by XXXX Mortgage in XXXX AZ was sold to XXXX Mortgage in XXXX. I received a notice from XXXX Mortgage about the transaction on XXXX/XXXX/17. I made my first payment in XXXX as instructed by the XXXX Mortgage letter. It 's been almost three months and I have not received anything from Dovenmehle ( no statement of account, no information about the mortgage, nothing! ). I tried to set up an account on their website, but got an email notice that they would need some time to establish the account and would notify me when it was live. Nothing happened for two weeks. I called them repeated, only to be cut-off after hearing an automated message. Today, I finally reached a live person after two attempts and 34 minutes of wait time. The agent told me they had the wrong mailing address ( certainly they had the property address! ). Then I wanted to make payment on the account, but had to be transferred to another dept. ( scary because of how difficult it is to get someone live ). I did get a collections agent, I was late in paying because I did n't know if this was a scam company because of their lack of communications and the extraordinary difficulties I had in reaching them ). She took my payment and before I could ask questions about setting up automatic payment arrangements, she actually hung up on me. She was very rude. This company is operating in a very untrustworthy way : they 've established so many barriers for their customers, it 's next to impossible to conduct business with them.
XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with XXXX & Equifax advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on XXXX and equifax
Exactly the same issue as reported in a CFPB complaint # XXXX in XX/XX/XXXX ( see the attach ). Chase Bank delete all the unauthorized inquiries at that moment to my credit file. And now access to my XXXX file on : XX/XX/XXXX / XX/XX/XXXX / and XX/XX/XXXX.
Tried to obtain report after credit denial.Equifax online services led me to print what was titled Equifax Credit File which was more advertisement for their credit score service rather than my report. Apparently my access to the report was timed out before I realized this wasnt my report at all. Customer service is a hamster wheel via online or telephone. I started an online chat today XX/XX/18 with customer service agent XXXX whos service provided me with a link back to the hamster wheel, then ended the chat. I thought I was entitled to a mailed copy my report should I be denied credit. Thank you for any help you may be in this matter.
On my Experian report I have on my personal file a wrong address which I asked Experian to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with XXXX they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.
I have an XXXX credit card. I set up auto pay before going to XXXX. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and equifax are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. 
Thank you for your help
Equifax lists my current employer as the one that I left in the summer of 2000 and has no mention of the employer where I have been working for almost18 years.