WillisBack/dataset-financial-user-claim huggingface dataset:
I was refinancing my Home with a mortgage company. XXXX XXXX had sent me a brochure with a rebate at that time for the purchase of a car. I traded a XXXX XXXX Note XXXX for a XXXX XXXX XXXX. The total cost was XXXX. I was offered 5 years, with a monthly payment of {$600.00} a month. 

I was told that night by the mortgage company that night that my loan fell through. I was not getting the loan. I went back to XXXX where I had purchased the XXXX XXXX, to return it. It was around XXXX the next day. I was told I could not returned the car. I could not get my XXXX XXXX Note back. This was within 16 to 18 hours after the purchase of the XXXX XXXX. I was told to go to a bank and get the bank to refinance the car, or pay Nissan Motor Acceptance {$4000.00}. towards the XXXX XXXX to have the car payment down, to have the car refinance. 
I can not make the payment on this car. I am afraid XXXX will take the car from me when I can not pay for it. They wanted to keep my old car and theirs too. This will leave me with nothing.
The first complaint # is XXXX This is a request for documentation regarding the first complaint and that Customer is not satisfied with the abroad answer received by the CREDIT BUREAU ASSOCIATE - XXXX CA the company is stating that I XXXX XXXX XXXX SIGNED a document in the doctor 's office stating that " I was responsible for any balance remained unpaid. I would like to request : 1 ) A COPY OF THE DOCUMENT SIGNED BY XXXX XXXX XXXX STATING RESPONSIBILITY FOR UNPAID BALANCE ; 2 ) A STATEMENT ATTESTING HOW THE CREDIT BUREAU ASSOCIATE AQUIRED XXXX XXXX XXXX SOCIAL SECURITY NUMBER, WHERE THEY FOUND THE COMPLAINT SOCIAL SECURITY NUMBER, WHO PROVIDED IT TO THEM AND COMPLAINT IS REQUESTING IT IN WRITING BY CREDIT BUREAU ASSOCIATE.
CONVERGENT OUTSOURCING, INC. report collection on my credit report without contacting me of this debit. Debit was discharge with chapter XXXX under XXXX, and now placed back under a different name.
XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e  ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( or in-action ) on their behalf has resulted in CURRENTLY FILING a small claims action agai nst their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX  & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.
Both of my parents were found died on XX/XX/XXXX 2017. My parents had a reverse mortgage which of course was there discussion. After their bank accounts were frozen, 10 days later my parents are dead  to XXXX. I am the one that called Financial Freedom and told them my parents had passed. I even sent copies of the death certificate to them, although we are still waiting on FINAL Autopsy before we can even open an Estee. But Financial Freedom, NEVER BOTHERED TO TELL ME WHEN THE COURT DATE WAS. THEY HAVE SEIZED THE PROPERTY AND IT STILL HAS MY OWN PERSONAL CHILDHOOD ITEMS IN IT. THESE ITEMS NEVER BE REPLACED. WITH LARGE LOCKS. THE DEATH CERTIFICATE IS NOT COMPLETE HOW CAN THE TAKE PROPERTY, WHEN LEGALLY THEY HAVE NOT GOTTEN A FINAL AUTOPSY? I ALSO SENT A REQUEST AT SAME TIME I SENT THERE PENDING DEATH CERTIFICATES, ASKING THEM TO PLEASE SEND A DETAILED LIST OF ALL DEBT OWED, THAT MY INTENTION WAS TO TRY TO SETTLE THIS WHEN I WAS ABLE TO GET INTO THE ESTEE.
I paid the amount in full on XXXX/XXXX/15 before payment due date and then they charged interest on XXXX/XXXX/15. When I tried to chat with them all of a sudden they kept acting like they had n't even talked to me and kept trying to start over. IT says right on statement no interest will be charged if paid in full before payment due date. I paid XXXX and then for some reason was charged interest on 3 thousand something for which the statement is suddenly unavailable.
We have on and off received phone calls for {$600.00} owed on a {$18000.00} loan for a vehicle. We tried for a week when trading the car in to get it added into our new loan and the company would n't call us back or the dealership so we could n't secure financing so the deal fell through. The amount is for late fees and excess charges. The creditors are rude call sometimes 4 times in a row over and over again. I spoke with XXXX XXXX XXXX about settling and he agreed on {$450.00} we could make in 2 payments in XXXX and XXXX when he called and emailed over and over I told him that in one week we could make the first payment. He said " I 'm not doing this anymore I can take the car or garnish your tax refund ''. The car has been reported to our credit bureau as charged off already and the company is now trying to garnish our work wages as well as our income taxes. We do not know where to go for help.
Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.
I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.
Midland credit purchased past credit card debt that I owed with XXXX previous card lenders. what they did was report to the credit reporting agencies as if I opened new lines of credit. I appealed to the credit reporting agencies and XXXX accounts were deleted. But midland credit is now harassing me
Today - XX/XX/2018 - I had a very strange conversation with someone called " XXXX " at Chase Executive Offices. 

XXXX told me that they were not going to fix the problems! XXXX said to start a new complaint! 
- So - that is what I am doing now! 
- That was strange. Because when I submitted complaints - I got replies telling me to call the phone numbers & the extensions & all that. 
- So today - when I call the number & the extension & all that - then I'm told to file another complaint! 
- Y weren't the problems fixed today??? 
- Y? 
- - Y weren't the problems fixed today??? 

- I wanted the problems fixed today!!!!!!!!!! 

According to THE LAWS - the problems should have been fixed MORE THAN A YEAR AGO! 

XXXX apparently hung-up on me before I could finish explaining things. 

- - It now seems like they r giving me a run-around! 
- I'm probably going to get a response from JPM Chase telling me to call telephone number & extension all over again! 


. 
XXXX - who repeatedly refused to state full name - told me that Chase was not offering financial compensation for re-insertion of derogatory items! 

- I tried to explain that it was NOT so much a matter of whether Chase was offering Financial Compensation for re-insertion of derogatory items! 

- It was more a matter of THE LAWS that say companies that do re-insertion of derogatory items ARE SUPPOSED TO PAY Financial Compensation for re-insertion of derogatory items! 

- Victims - like - for example - me - are supposed to receive XXXX $ ( XXXX XXXX dollars ) of financial compensation per re-inserted derogatory item! 



. 

It now seems like they have no serious intention of complying with FCRA - CPA - ADA SMCRA - FACT ACT or other laws in these cases! 

- It now seems like the victims like me are going to have ask lawyers to file lawsuits about these kinds of problems!
XXXX Consolidated - Subsidized XXXX Consolidated - Unsubsidized The loans above went into default with the XXXX over 2 years ago and they transferred it to servicor, Navient - long story short I defaulted with them as well. For over a year I have been trying to set up a payment plan, but was informed by Navient that after I defaulted with them - they sent it back to the XXXX. Which to date - they have not been given access to this loan - it does n't show up in their computer system - it shows up that Navient still has it. And when I call Navient - they say its no longer in their system. After going back and forth for almost 2 years, I eventually hired an attorney and contacted the XXXX - we thought we had a solution, but now - 8 months after contacting an attorney I am back to square XXXX. The loans are in cyber space and neither Navient or the XXXX have access to it - therefor I ca n't make a payment plan or make any payment towards the balance. Its been in cyber space close to two years. I have once again tried applying for a mortgage and was denied due to this loan. I need help and it seems everywhere I turn - there is no solution.. Please help.
The XXXX XXXX 's company submitted a debt to a collection agency when the debt was paid. They garnished my wages for a mistake on their part. This has to do with the G.I. bill. I received a debt due to their error and now it has been on my credit report.
On XX/XX/XXXX XXXX XXXX XXXX, the Human Resources of XXXX XXXX XXXX, XXXX address as following XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
Web : XXXX sent me an appointment letter to work with his company to collect the company amount from their clients in USA and XXXX then to send them the money after I deduct my percentage 10 % only from each collection, therefore their client going to pay check to me and I suppose to collect all this dues amount the transfer it to them according to XXXX XXXX   instructions, thus they send me the first invoice to XXXX XXXX XXXX of the amount of {$280000.00} and XXXX XXXX  asked me to contact him to start the payment on behalf of the company XXXX XXXX XXXX, XXXX then I did that and I contact XXXX XXXX XXXX to start paying his due amount, the gentleman asked me to pay partially on weekly bases and he sent me the first check from Bank of America which my account too so it will be so easy to collect the check within 24 hours only, so he send it from XXXX to my address in Virginia via XXXX XXXX with the following information Proof of Delivery Dear Customer, This notice serves as proof of delivery for the shipment listed below. 
Tracking Number : XXXX Service : XXXX XXXX XXXX Shipped/Billed On : XX/XX/XXXX Delivered On : XX/XX/XXXX XXXX XXXX. 
Delivered To : XXXX, VA, US I take the check and deposited in my account specially its under my name, the next day ( XX/XX/XXXX ) the bank of America credit the amount {$22000.00} to my account then hold the same amount again till they investigate the check. 
today at XXXX XXXX I am trying to use my debit card to fill my car with the fuel I notice that my debit card is denied I called the bank of America customer service they informed me that they close my account because of a fraud check deposited in my account on XX/XX/XXXX, I explain the story to the bank officer on the phone he said I am victim and I should report a case immediately. 
That is what had happen sine XX/XX/XXXX till now.
account : XXXX XXXX XXXX XXXX with XXXX XXXX. 

The company posted to my credit report a late payment. I have never been late before, I payed in advanced. I spoke to XXXX and was told the issue had been taken care of. I filed a complaint with the credit bureau and XXXX continues to reject my correction request ... 

The account has since been payed off and there is a XXXX  balance. My only issue is that they will not correct the error, and I have a late payment showing in my credit report.. Please help.
I asked to let me escrow my own mortgage and I got a abusing call back saying no within 7 hours when they said it would take 3 days. And I was called a stupid XXXX
I have a loan for a XXXX XXXX XXXX with Exeter finance. I have found a payment of XXXX dollars dated XXXX XXXX for which my account was not credited. Also I am not able to ever get a breakdown on how much of a payment went toward principle, it is very difficult to get answers from their Customer Service I have in times past spent hours trying to determine why my payoff remains so high.
J H Portfolio Debt Equities purchased a debt in    XX/XX/XXXX    that originated in  XX/XX/XXXX  from   XXXX   XXXX  . I have asked them for validation of this account since    XX/XX/XXXX    via certified mail thru USPS. I did not receive anything from them until I filed a complaint with CFPB. They only have 31 days by law as per FCRA and the FDCPA. They did not meet this deadline and therefore the reporting to the Credit Reporting Agencies MUST BE DELETED. Another factor to be considered is the fact the JH Portfolio is re-ageing this account or " parking it so it will stay on my credit report indefinitely, by selling it to another debt buying agency. The fact of the matter is J H Portfolio did not respond in a timely manner according to the federal laws and must be deleted from all credit reporting agencies.
Ordered online Furniture from XXXX XXXX XXXX and used XXXX credit for item on XXXX/XXXX/15. Account charged XXXX. Merchandise never delivered was told delivery company received it damaged. Have made over XXXX phone calls to XXXX since XXXX/XXXX/15 regarding where the order is. A second set was ordered on XXXX/XXXX/15, Arrived at delivery address on XXXX/XXXX/15 -- this set is damaged and in very poor quality condition. Cost with ship ing of this item exceeds {$1000.00} and now there are XXXX items on my charge XXXX credit, Synchrony Bank is delaying the process to remove the charges for these items, I still have damaged furniture which I in good faith have tried to remedy, this Company and Bank are not making me whole for the goods purchased and essentialy I was charged 2 months of interest for an item I did not receive at a 23 % finance charge, when I called to complain the XXXX time I was told I would need to produce proof that I paid interest on this item to have the full refund to my account.
I am a cardholder of Chase Sapphire Reserve credit card, which provides Trip Cancellation/Interruption Insurance. Earlier this year my wife has an accident and had to take a XXXX, thus we have to cancel our family trip which we booked through Chase Travel Portal. Later on we filed a claim with Card Benefit Services who handled Trip Cancellation Insurance for Chase. But it has been 2 months since I started the claim and provided all required document, the case status is still pending, and it is VERY HARD to get any update from them. 

Timeline : XX/XX/XXXX. Booked a family trip ( non-refundable ) through Chase Travel Portal on XX/XX/XXXX XX/XX/XXXX. My wife had an accident. 
XX/XX/XXXX. My wife had a XXXX. The doctor did n't recommend any travel, so we had to cancel the trip on XX/XX/XXXX. 
XX/XX/XXXX. Submitted the claim ( case # : XXXX ) and uploaded certain documents on their website ( XXXX XXXX XXXX ). Card Benefit Service emailed me to ask me to provide additional documents. 
XX/XX/XXXX. Sent additional documents by email to ( XXXX ). 
XX/XX/XXXX. No response. so I re-sent the documents and explanation by email to ( XXXX ) XXXX/XXXX/XXXX. Still no response. So I sent one more email to ( XXXX ), asking about the status XX/XX/XXXX. Got email reply " If you attached documents for your claim, your examiner will contact you within 5 business days. '' XX/XX/XXXX. I updated all the documents again on their website under my claim. 
XX/XX/XXXX. By end of day, claim status still shows " You claim status is pending because the documentation listed below has been requested or we have recently received your document and are currently in the review process. Kindly allow 5 business days from our receipt of any documentation for review to advise you of the next steps. '' Note : Ever since the beginning, Card Benefit Service promise to get back to customer claim within 5 business days after submitting documents. But in my case, they never did.
I emailed XXXX on XX/XX/2019 to advise that we had conflicting information - no response. 

I called on XX/XX/2019 - verified that we had conflicting information, and advised the representative that my lease had been paid in full and to discontinue taking funds from my account. 

My payments have not been accurately reflected on their records.
Please see the attached letters. 
I mailed a certified document package that contain a cover letter and XXXX - XXXX pages of what accounts to dispute, requesting the dispute processed that was used to verify the information, and if I owed the information, send me all the detailed document information to prove that the account was mine, why was it re-aged, and etc. on XXXX XXXX, 2015. ( Receipts are on the letters ) XXXX, XXXX, and Experian failed to provide me written documentation to acknowledge the receipt of my requests and the methods used to verify the accounts, and documentation requested within the 30 day time frame. If they could n't adhere to my requests, them, I expected each XXXX of the bureaus to let me know and they did not. Each letter, attached, explains my request for the items to be removed due to not being in compliance and it contains copies of my certified mailed receipts. 
For the XXXX XXXX Account, it was a secured card and sent the account to XXXX XXXX XXXX for collections. After, I called XXXX XXXX and explain that the account was a secured card account, they used my secured deposit to pay off the account and corrected my credit report and sent a notice to XXXX XXXX XXXX to remove the account and also indicate that the account was paid. XXXX XXXX XXXX can no longer collect, therefore, the credit bureau was supposed to update/correct/or remove the account. I asked this to be done during my dispute and it was n't. 
Today, I called both XXXX, XXXX, and Experian to informed them that they failed to respond in the manner that I requested to inform me of receipt of the documents, the dispute process, and my other requests. They acknowledge that they have my cover letter and XXXX pages of requests. They also acknowledge that they failed to respond. Due to the XXXX, XXXX, and Experian not being in compliance with the Fair Credit Reporting Act, I requested for the accounts to be removed. They told me that they can reinvestigate. I told them that they should n't have to reinvestigate because they failed to comply with the Fair Credit Reporting Act. 
Therefore, I am requesting for the items to be removed from my XXXX and Experian credit files as requested. I have spent many days and hours trying to get this resolved. I also have my mortgage loan processor trying to work on this and his processor which is XXXX XXXX. XXXX XXXX and the loan officer told me to contact you. 
To verify the status of each account that I disputed, I personally contacted each XXXX of the creditors on the list/letter and they indicated that they do not have me in their system, but, can not provide me with a letter because I do not have an account with them. The credit bureaus claimed that they contacted the creditors. I know that they did n't investigate like they should have, because, Experian was done in 7 days. The customer service representative told me this. I have plenty of documentation to support this and I will seek to file this in court and seek damages if this does n't get taken care of through your organization. 
Thank you! 
The reason for the disputes is because I 'm trying to buy a home and needed my report to be cleaned up.
I attempted to have the medical providers bill my XXXX XXXX for services render from date of service from XXXX, XXXX, and XXXX of XXXX and the provider failed to bill them instead they placed accounts to collection to try to collect from me. I have contacted the Honorable XXXX XXXX for his assistance this matter and Congressman XXXX XXXX  sent letter to Florida Hospital XXXX XXXX to cease and desist the collection on account with date of service from XXXX thru XXXX and bill all accounts to XXXX XXXX. My deductible and coinsuranceis zero so account will be paid at 100 %. This specific collection agency has serval account for those date of service.
Account number for collection account are as follows : XXXX - {$120.00}, XXXX - {$88.00}, XXXX - {$88.00}, XXXX - {$130.00} XXXX - {$88.00}, XXXX - {$330.00}, XXXX - {$300.00}, XXXX - {$120.00} XXXX - {$9100.00}, XXXX - {$3800.00}, XXXX - {$240.00} These account were placed in all XXXX credit bureau thus damaging my credit score I have tried serveral time to contact collection agency and provider to no avail. I have also asked the providers to call XXXX XXXX at XXXX my member number is XXXX and verify my coverage with XXXX and they have refused. XXXX XXXX has advised me if claim is billed within 60 days fromXX/XX/XXXX all claims will be paid once I appeal being now claims are past the filling deadline.
In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!