WillisBack/dataset-financial-user-claim huggingface dataset:
DISPUTE CASE # XXXX {$150.00} I placed an order with a merchant when I received the order one of the shirts were too small and the other items had gotten wet they were damaged I don't know if it was water or what it was but they arrived at my home wet I immediately followed all the merchants return procedures and began to return the merchandise with their shipping label they received the merchandise and have been giving me the run-around ever since this is when I turn to discover to help me get my money back I've given discover the information that they've asked for they have the tracking information I explained in detail what had happened and I even sent a follow-up email to discover adding a little bit more information instead of just taking that information they told me I needed to call or I needed to mail it in there's nothing really to mail-in I'm just giving you more information I'm giving you my account of what happened we've gone back and forth discover and I it shouldn't be this difficult just to give them information I mean so far they've done nothing my most recent email came from a woman named XXXX she informed me that she closed my case because she saw a credit on my account from the merchant the trouble with that is she didn't bother to really pay attention there were two separate transactions with this Merchant two separate orders that have absolutely nothing to do with one another the refund she seemed has to do with the original order again not disputing that order don't have any problems with that order on the other hand the other order is the order I'm having issues with in the one that I attempted to dispute I would love for somebody tell me why XXXX closed my case I can't help but wonder if it's because she's not paying attention to get rid of me that you didn't bother to see that that credit had absolutely nothing to do with my dispute terrible customer service XXXX clearly needs some more training
XXXX Sent my account to XXXX XXXX XXXX XXXX on XX/XX/XXXX and put it in disputed status and suspended collection Activity XX/XX/XXXX. 

I have sent them a registered letter to dissolve the issue as time after time going back to XX/XX/XXXX and current in XX/XX/XXXX of this year to dissolve the issue. When I switch my account to XXXX it took XXXX over 3 months to get the bill pay off to XXXX as well as they sent it to collections before sending the finale bill to XXXX. XXXX kept sending the bills to XXXX. They had lost the equipment that I return in the store I was told it was sent to the wrong distribution place for returns by XXXX and they had charge me for equipment that was return that took XXXX 2 months to get straight of the return equipment to the store. XXXX has told me in XX/XX/XXXX and XX/XX/XXXX they was working on resolving the issue and never did. XXXX received US Registerd mail about the issue and never to this day resolve the issue. They kept sending me to different departments and they never call back or tried to fix the issues. XXXX can verify the issue to how long it took them to send all the bills. Then they credit back over {$1500.00} to my account once the equipment was entered to there system as return in the store. It was nothing but one big mess after another. Now the account was sent back to the debt collection company XXXX XXXX XXXX XXXX and now it is in disputed status and suspended collection Activity on XX/XX/XXXX by XXXX XXXX XXXX.
I recently checked my credit report on XXXX XXXX and I saw that there was a hard inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. And I wanted to dispute this action, I have not attempted to open an account with them at all.
The house mortgage is in my name, my ex-husband is living in the home, he stopped paying on the loan and failed to refinance the home into his name when he was suppose to. 
XXXX XXXX XXXX XXXX  paid the mortgage on the home through XX/XX/XXXX, we are both in financial hardship and I can not pay for this home. XXXX XXXX has XXXX  health issues, we are trying to sell the home but it has been a slow process due to lack of income and XXXX to take care of the land.
A formal complaint was sent to Equifax via USPS certified mail on XXXX XXXX, 2015 and was received by its agents on XXXX XXXX, 2015. The following account has been under investigation well beyond the XXXX45 days allotted by the FDCPA. XXXX is the account in question and I request that the erroneous account be removed from my credit profile. ( See : Attachments ) All documentation supporting my claim has already been received by Equifax.
I opened a Citigold checking account with Citibank on XX/XX/2015. The account came with an opening promo : XXXX American miles to be awarded within 90 days after I completed the requirements for the promotion. The promo code was XXXX. I completed the requirements for the promo on XXXX, which was confirmed in writing by XXXX separate Citi customer service reps. Well over 90 days has passed, and I have not received my promotion award. I called Citi and simply got shuttled around within their help system
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXand it is affecting me getting credit.
On  XXXX   XXXX ,   XXXX   I contacted   XXXX   XXXX   XXXX   XXXX  regarding the removal of my current mortgage serviced by Select Portfolio Servicing from my credit file. I spoke with a representative whom advised that   XXXX   had received an "  Electronic Communication  '' from  Se  lect Portfolio Servicing to remove the item from their credit reporting. I spoke with Select Portfolio Servicing on  the same day  XXXX   XXXX ,   XXXX  , and they advised that they had not sent any communication to   XXXX   regarding my account and it still should be reporting as usual.  Select Portfolio Servicing  faxed me a copy of the information that had been reported earlier in  XXXX  to   XXXX   f  or reporting.     Due to   XXXX   XXXX   XXXX   XXXX  removing my mortgage from my credit file, my  credit score  has dropped from  XXXX  to  XXXX .
I received my credit card statement in XXXX and paid the amount in full, including interest charged. When I received my XXXX statement I was being charged a " residual interest '' amount of {$5.00}. Nothing else is due, only {$5.00}. I reached out to Chase about this and they were the one 's that informed me about the " residual interest '' is from XXXX not being paid in full, even though I paid in full my XXXX statement. I do n't know if what they are doing is right or legal. I am submitting payment because I do n't have Chase to ruin my credit.
In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. 

Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. 

This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. 
These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. 

I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. 
My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. 
Both of these deficiency repayments are taking place at the same time as the mortgage payments. 

ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX.
I have an account in   XXXX   XXXX   XXXX  . My online access is not working even after creating the password twice in a single day. There is a lot of wait and hold times and customer service is not helpful either.
We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.
An old debt from 2011 I have no clue what it is about they are gon na garnish my wages at 25 % I get paid every week. I cant afford that I will be homeless then jobless
I am a XXXX XXXX who was injured while working on the job. Upon my injury on XX/XX/XXXX, I have suffered financial hardships. I am a single father of XXXX children and I have been unemployed, had a reduction in income, due to my injury and illness. I had to file a Chapter XXXX Bankruptcy on last XX/XX/XXXX. Recently, however, I voluntarily dismissed the Bankruptcy because my circumstances became better. When the bank/lender ( Bayview Mortgage ) discovered that I was no longer protected by the Chapter XXXX Bankruptcy, they immediately filed to have a foreclosure/auction date for XX/XX/XXXX. 

Although, I am very hopeful that Bayview Mortgage will work with me on a loan modification so my children and I can stay in our home. A few years ago, they gave me a loan modification, but I lost my job, after I was approved. 

Thank you for assisting me in this matter.
My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation.
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, XXXX, and Transunion regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX  XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX - Account # XXXX
During an Amazon transaction in XXXX I applied for a an Amazon card which was stated it would be processed for approval immediately and provide a discount on the current purchase. In spite of an excellent credit rating, it was stated my credit was questionable and the application would not be immediately processed. This is clearly a bait and switch to get applications. Several weeks later, I received a card ( XXXX/XXXX/16 ) with a credit line far exceeding that requested. Further terms arriving with the card state ALL of my information could be shared by Chase after my card was open for 30 days, that I could NOT opt out, and that this would continue to apply even AFTER the card was closed. I immediately called to cancel before the 30 days was up, as they left me less than a week to review and respond. The representative tried to XXXX me into talking to a reprentative to " address my concerns '' and manually opt me out " if really an issue '', which contradicts the written terms stating no verbal greement is binding. This entire process is clearly designed to deny applicants information and to narrow the response window to reject the terms for the sole purpose of seizing control of customer information, even if the applicant *doesn't* take the final step of making the call to activate the card. From what I see in the paperwork, which was largely confirmed by the representative, you can halt the siezure of your information *only* by cancelling prior to the 30 day window you are n't informed of for 23 days. 

This is abusive and unacceptable.
Diversified adjustments is contacting my wife and myself on an account that is more than 7 years old. We have repeatedly told them we have already paid this and we are not paying any more money on this balance. 

Along with the fact the debt is non existent in XXXX  system at this time after we contacted them directly.
Equifax has a student loan listed on my credit file that is my sons I am XXXX, it is also past the statute and needs to be removed off of my credit file. Please handle this ASAP XXXX # XXXX
I was turned over to Stellar Recovery , Inc by XXXX in XXXX XXXX for a debt of {$56.00} I was unaware of from XXXX XXXX ( showed up on my CreditKarma account name of company and amount ). Nothing in writing from Stellar. Finally received copy of final bill from XXXX after making 3 requests. Called Stellar and complained about not being notified of the debt in writing - was told by XXXX " we do n't have to notify you in writing. '' Spoke with her supervisor XXXX XXXX who said they did n't have my phone number ( I told XXXX XXXX I 've had my same phone number for 6 years XXXX had that phone number ) to call me which is why I was n't notified, however, she did have my new address, I asked why was n't I notified in writing she could n't answer. I told XXXX XXXX collection agencies are required by law to notify a consumer in writing giving them 30 days to respond by dispute or paying the balance. If a consumer does n't respond, they can proceed with collection procedures up to and including adding info to your credit report. Stellar did n't do anything but add my unpaid balance to my credit file and my score dropped XXXX points as a result. All XXXX XXXX said was, " I 'm sorry this happened to you I can tell you are someone who pays her bills. '' Not to mention this will stay on my credit for 3 to 7 years. Also, XXXX XXXX said I will have to call them back in 30 days to request a payoff letter as they will not send out a confirmation of payment automatically. Wanted my permission to call me on the phone just in case they needed to tell me something - I asked what they would need to talk to me about - I agreed to allow them to contact me by email first preference or by US mail and she argued once I refused to allow them to call me she then asked for my email. I declared my dissatisfaction of their bad business practices and told XXXX XXXX I would be filing a complaint with the FTC. Of the XXXX complaints I doubt mine will be addressed, however, I formally request immediate confirmation of payment made to Stellar Recovery and the collection be taken completely off my credit report.
Dear CFPB : I believe Wells Fargo is participating in misleading mortgage lending practices, given the recent experience I had with them in seeking to secure a LOC ; I have an existing mortgage with them and a 25 year mortgage and banking relationship. The specific issues and practices for review include : lack of transparency on closing costs and a " surprise '' right before closing in which closing fees had increased by more than {$500.00} ; encouraging the opening of an additional account to " receive '' such fees resulting in additional account maintenance fees to me, even though I had a relationship with WF already and at least XXXX existing accounts the funds could have gone into ; and potentially illegal practices related to the use of notary services such that a notary would notarize for an individual not in their presence ; the notary in my case refused to sign. There were many other issues of incompetency, delay, and various clerical errors involved in the transaction as well. 

In my case, this LOC application process took 3 full months to get to the point of closure even though I had a 25 year history with WF including mortgages and a mortgage re-financing 2 years ago, as well as a high credit score ( XXXX ) and had NEVER missed or been late on a mortgage payment. I am concerned that other consumers with less knowledge and a less secure financial situation may be being targeted by WF and the victims of continued unfair practices even following the reforms following the 2008 financial collapse.
In XXXX XXXX I was hired as a Manager for a company that sent me a check in there name for about {XXXX} and I decided to open an account at Santander Bank in my local neighborhood and requested that they check out the check for me and if it was good to place it within my bank checking account if it cleared, where this was a new company that I was not familiar with. 

They decided to follow through and opened the account and told me that it would take ten days for the check to clear but had told me that I would have to open an account and deposit physical cash in it, which I did for {XXXX}. 

After ten days I had n't hear anything back from the bank in regards to the deposit of the check and when I went to make a withdraw from the bank on the check, they told me that my account was closed and they never told me for what or sent my deposit back since then. 

I never pursued it after that and realized the check I had deposited must had been bad but I decided to open an account again after a couple of years had passed in XXXX of this year and told the rep of the problem I had with the bank a couple of years ago and spent well over two hours seeking to clear whatever issues they had with me and my account and I thought we had a understanding and was going to make a new start, so I again opened up an account and placed another deposit of XXXX to do so and was given a online banking account with new account numbers and after a couple of days had passed, I logged onto my online account and was ready to transfer funds from another company that I performed work for and found that I was on block and when I called the customer service they gave the run around for a good minute but after my persistence after several tries and days had passed that it was the XXXX XXXX issue that they had decided to close my account that was XXXX XXXX, XXXX and that they would send me my deposit back via mail, where it is now going on a month since they closed my account and never sent me my deposit back. 

Which I ca n't understand why they would close my account in the first place for a bad check that someone else wrote, where I had always been in good standings with other accounts I have had over the years with other banks and had paid many bank fees over my many years, where I also believe that they are real crooks and out right have chosen to take people money for their own and are the ones that ca n't be trusted.
Do n't know who  XXXX , or GreenLight Financial is, nor have I authorized, or signed ANY application for ANY credit inquiry for  XXXX , or Greenlight Financial on behalf of Nationstar Mortgage!!! I have been in receipt of credit inquiries for the dates of  X/X/2017   ,  X/XX/2017   , and  X/XX/2017    via credit alert coverage that I have through  XXXX / XXXX . I have had my identity compromised, and have filed a Identity Theft report  ( at tached ) with my local police.
I disputed XXXX XXXX XXXX collections on my file. I attempted to contact XXXX XXXX at their phone number XXXX and XXXX for more than two weeks. I attempted contact at XXXX through XXXX there is no answer or message. I have spoken to experts in settling collections who say that they have not been able to contac them for weeks. They may have gone out of business. My score can not be held down by an account that I am unable to pay. This is a violation of my federal rights.
It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.
I tried to submit a complaint through Equifax for hard inquiries on my account and answered all there questions and was told that my personal information was incorrect and that I need to fax them my drivers license. I 'm a little uncomfortable doing that seeing as my personal information on there end is incorrect. How do I go about fixing this and why is XXXX running my credit when that account is setup through email and does not have my social security number attached to it.
American Express refused to work with me to develop program to pay off the account balance. Instead, the representative insisted that I was ineligible for a plan, despite my inability to make the requested monthly payment.