WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I ordered several clothing items on XXXX under order number : XXXX. I only received some of the items ordered and when I called to inquire about the XXXX items that were missing, I was informed that instead of those items being sent to me as planned, the items were routed back to the distribution center inadvertently. I was further informed that I would receive a credit for the items that were not received and that if I still wanted the items not received, I would need to place a new order for the items that were not received. I informed the clerk that I still wanted the items not received and she told me that XXXX of the items was no longer available. She then proceeded to place a new order for the XXXX items that were never received ( minus the item that was no longer available ). The new order was placed under order number : XXXX. I was told that I would receive credit for XXXX items never received and that Macys would need to bill me again for the XXXX items on the new order. To date, my account still reflects a balance that includes the XXXX items never received XXXX the charges for the new order. As such I have paid for XXXX of the items from the old order XXXX and have also paid for the item that I was told was no longer available and never received. Each time I call Macy 's about my account, I am told that a credit back to my account for {$180.00} is being processed, but even now, nearly XXXX months later the promised credit has not posted to my account. In the interim, I am being forced to pay interest on a balance that is more than my original order until the issue is resolved. Thus far, Macys has been unable to offer a resolution and each time I call they promise a resolution in another 7-15 business days just to get me off of the phone. I feel that Macy 's business practices are unlawful and unfair to consumers and would like to have the matter further investigated.
I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )
A company called ASG XXXX XXXX called me on XX/XX/18 at XXXX. A man named XXXX XXXX was the caller and said he was reaching out to me as I was involved in a legal matter and to call him asap as this is a timely matter. I believe this is a false claim for debt collection as I received no validation of debt via mail. I would like this company looked into for using fake tactics to collect false debt.
I received a letter dated XXXX XXXX saying that I am behind in my mortgage payment and they have a right to invoke foreclosure, etc. 

I received a letter dated XX/XX/2018, that says that unapplied funds were moved from unapplied funds and moved to the principal and my next mortgage payment is due on XX/XX/2018. 


Why are they threatening to foreclose. I am not, nor have I ever been behind on my mortgage payment. In fact, I have a long history of paying an additional {$1200.00} on the principal each month. I was doing it electronically, but then they told me they could not do it that way, I started sending them a check with a coupon telling them how to apply it. They still could not get it right and now they are threatening me? This is not right.
XXXX is adding XXXX $ XXXX $ late fee after monthly payment has been made. Payment due date is less than 28 days from receiving actual bill XXXX, XXXX. XXXX, XXXX. this has not been consistent since opening. According to Credit Card Act this is illegal and I am owed almost XXXX $ plus interest.
I previously filed a complaint, to which Caliber Home Loans responded, however, their response is inaccurate. 

They indicated that I had a cease and desist with my former servicer XXXX, which was false, and that the cease and desist follows my mortgage. In the same vein, they stated that they have no modification information ( which was included in court order ) and that information does not follow the mortgage? How is it possible? 
They continually refuse to speak to me, although I have a court order stating myself as the co-borrower and therefore should be communicated with as such. 

Per instructions from a representative of XXXX XXXX XXXX XXXX I sent in writing authorization to speak with me. I received a response, that they would investigate my claim of error, and instead my home was foreclosed on. I was denied my legal rights to pursue any and all avenues to prevent the foreclosure, which took place outside of the legal time of notification by. Using the United States Postal Service, Caliber has sent false and misleading documents regarding my mortgage, their impending investigation into my claims of error. Caliber indicated their release from PMI was due to my mortgage status. Again, this is false and misleading as Caliber was not involved in the release of PMI and no such statement was made that PMI was being released due to default. 
After I filed my initial complaint with CFPB, I received another letter from Caliber Home Loans dated XX/XX/XXXX stating " acknowledgment of receipt of my correspondence and we will perform the necessary research and respond within the time period required by law. '' This is the same letter that I received on XX/XX/XXXX from Caliber home loans " Notice of Error, Request for Information or Qualified Written Request. This information has continually been sent to Caliber Home Loans, Inc ATTN : Customer Support and Escalations Team XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX
There was a small case suit against me in XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.
Portfolio Recovery has failed to show proof of authority to collect on a credit collections debt they have reported to my credit reports They have not provided any copies of documentation showing they sent any notice prior to this date and are in violations of my rights- Before reporting this is suppose to be sent giving me the ability to dispute this They also have not provided copies of documents proving the amounts they claim is owed- Nothing they have provided show the amounts they claim due I would like them to provide a copy of the notification letter sent concering this debt owed. I would like them to provide a notice from XXXX XXXX XXXX stating that Porfolio Recovery has the rights to collect this so called debt
Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of XXXX.
I took a trip to XXXX, XXXX XX/XX/2016 and made several attempts to withdraw money from a bank ATM. I was not able to withdraw money in XXXX banks that I tried. I then logged into my online bank account to make sure my travel notification for my debit card was on. My credit cards travel notification were on, however my debit card was not so I turned it on. After turning it on, I again attempted to withdraw at another bank ATM. Again I was not able to so I gave up for the night. Later that night I logged in again to my online account to see {$410.00} was taken out of my checking account. I called Chase to report it and explained to them what happened ( only thing that could have happened : card cloning ) and they " gave me credit due to ATM dispute '' of {$410.00} and {$5.00} ATM fee. About 3 weeks later I am on another trip and I am checking my online account to find " reverse credit for ATM dispute '' of {$410.00}. I called Chase to try and figure out what happened. What they said was that they had evidence that what I had initially said was not possible. I asked them for their evidence and they basically said that it is physically impossible for someone who does not have my debit card to take money out of a ATM because it is a chip enabled card. In total I talked to XXXX representatives and they all said the same thing.
Navient ( XXXX XXXX ) continues to call me on my job about my ex-husband 's student loan. I have asked them to not contact me. They said that they are calling because he used me as a reference. I spoke with the manager and was told they would remove me from the calling list, but I have XXXX new calls on my voice mail.
Back in XX/XX/2018 my checking account was hacked which resulted in me missing a couple payments. When I got a new checking account number I tried to explain it to the company but they told me that they could not help me unless I paid the entire past due balance or paid the entire loan amount. Of course that was not possible. Now my friends, family, and old job sites are getting phone calls looking for me and threatening to garnish my wages. They called someone today, XX/XX/18, and told them they were going to garnish my wages if I didnt call back. They also stated that they sent numerous letters and made several phone call attempts to me without success. Unfortunately this is not true. I have never received a call from this company nor have I ever received mail from them. 

I need assistance to get them to stop calling people I know and my previous employer.
I have a bill in collections from XXXX and it is because my initial bill was on a payment plan which was agreed to by the original creditor as they set me up on the plan. I received a letter on XXXX/XXXX/XXXX stating as of XXXX/XXXX/XXXX that I was being placed in collections. I called the original creditor the bill was with and they stated it was an error on behalf of the XXXX party and they were just supposed to be handling the bill. They looked and confirmed the bill was up to date and never late and my final payment was to be paid XXXX/XXXX/XXXX. I received a confirmation email that I paid the bill in full once the final installment was paid. Suddenly in XXXX XXXX I received a notice on my credit report that I was turned into collections. I then called the original creditor XXXX/XXXX/XXXX and asked them why they did this. They called the debt collector and said it was straightened out but they said there was no guarantee it could be taken off my credit report. In essence I was turned into a collection agency in a fraudulent manner. I then disputed the ding on my credit with Transunion and XXXX, with Transunion showing as it being open and outstanding and XXXX showing that the bill was paid and closed but still in collections. XXXX went ahead and deleted the blemish from my credit report but transition changed their status to paid and closed but in collections. They also resported the information in an inconsistent manner. I have emails about the payment plan and proof through my bank statements that the payment was taken out each month for several months on the agreed dates. I truly feel that I was wronged in this matter and I am extremely dissatisfied with the initial creditor, the collections company, as well as transunion. I am in the process of eliminating my debts and trying to purchase a house and now I have a collection listed on my credit and I will go to any length to have this removed from my Transunion report and have the correct information reflecting on my credit report. If I would have known this blunder would have occurred I would have just suffered a bit more and paid the bill in full. I want my credit report to go back to the way it was. If I am not able to get a proper resolution I will likely see about taking the original medical creditor and the debt collector to small claims court, or possibly even seek a lawyer to take legal action against them. The original creditor was XXXX and the collection company is XXXX The date of service was in the XXXX of XXXX XXXX a hospital in XXXX, colorado.
XXXX is reporting to Equifax Which they have not verified the debt that I Owe.
I have asked these companies to pull these reportings from my the bereau because they solicited my business after they told me that this would be a soft pull and said that it was only to look at the credit history even after i told them of a public record was on my file. I was decieved and think that the company should own their responsibility and remove it after one year as they told me. VERY DECEPTIVE!! 

XX/XX/2016 US BANK XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX WA XXXX
XXXX of 2014 was approached by the loan officer of chase bank in XXXX nj, to apply for a loan, 3 years earlier i had a bankruptcy so i told him about and made it clear that i do n't want to go forward unless i guaranteed approval, he asked for all paper work check credit and all procedures then he emailed me an approval ... he told me to shop for house with confident..few weeks later found house, put deposit, hire attorney all normal procedures including home inspection ..few weeks later he informed that they i 'm having problems getting the mortgage because same reason that he approved me for and assure me that i 'm approved ... i have all emails that prove that i was mislead beside all the time wasted i lost inspection money, lawyers fees due to their mistake ..again i have all documents in record including the approval and his assurance that everything is good ... i do n't think that its fair to lose all this money while i have n't done anything wrong other than trusting chase loan office?
I am writing to dispute the following information in my file. I have been trying to obtain my credit score since I was XXXX years old, but have been rejected by XXXX banks due to my unique mononym name XXXX. It is my birth given name as filed on the Civil Registry and as seen on my enclosed birth certificate, on my Oregon Driver 's license, Passport, and my Debit Card at XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX, I joined the Bank `` XXXX XXXX XXXX XXXX '' and got a secured credit card which later became a regular card on XXXX XXXX, XXXX. I was told that after one year, I would have a credit score. 


I have Given now MULTIPLE times to ALL the Credit Bureau 's ( Equifax , XXXX, XXXX ) all of these enclosures. Oregon Driver 's license, Passport, Credit Card Payback History, Social Security Card, Birth Certificate, supporting my position. Please reinvestigate this these matters and correct the disputed items as soon as possible. 

I attached a New Document showing how The Problem was Never addressed and Gave me the ( Run Around Yet Again )!!! 


Equifax never sent me anything like they said, and what I was TOLD by You! Please have them Contact me! 

XXXXXXXXXXXX Please for the Love of God, Help Me!!!! I 'm XXXX years old and I Need this for my Life! I have all of the Proof to obtain a Credit Score Yet, No One is Helping me Out, and I have No where Else to Go. Please Help ME! 

Sincerely, XXXX
I had an American express sevre card.i have been recievng my paycheck on it then one day I get up and check my account and someone had went on a little spree with my money so i called american express and report what happened.tbe lady on the phone said that they had to look in to it and I should have my money 2ith in ten days.the next day they sent me an email the said I lost.so I called and the person was really rude and said we closed your account and that they would Mail me a check for the remaining amount and hung up on me
There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.
XX/XX/2013 I pulled my Credit File and discover that XXXX, which is a copy that Mortgage Companies use to pull individuals who are in the market to get a Mortgage unlawfully violated my Constitutional Rights by accessing my Credit Information without my CONSENT! 
I discovered the unlawful violation when I pulling of my Credit File in XXXX, 2013 via my Experian Credit Report which reflects the 'INQUIRY ' by XXXX. 
I disputed the unlawful act with Experian and they removed the information from my credit file. 
However, I made several attempts to get XXXX to provide to me the 'CONSENT ' documentation that they received from their client ... XXXX XXXX so that I could find out who and/or what individual with XXXX XXXX that requested my CREDIT INFORMATION to be 'SHARED/DISCLOSED ' to XXXX XXXX. I mailed via Certied Mail requesting that XXXX respond to me in 'WRITING ' with providing me the information that I was seeking so that I could find out how requested my information. 

XXXX REFUSED to provide to me that information/documentation from their files that reflect the name of the party from XXXX XXXX who placed the unlawful request for my information, thus invading my PRIVACY, as well as Violating My Constitutional/ Civil Rights with the unlawful access into my Credit FILE without my CONSENT! 
The attached documentation from Experian reflects the FACT that EXPERIAN released my information to XXXX via XXXX 'S request for my information for a 30 Year Mortgage which I NEVER APPLIED FOR, NOR GAVE CONSENT to XXXX to release my information. I 've made several attempts requesting that XXXX provide to me the information/documentation from the parties/XXXX that requested my Credit Information and XXXX has refused to respond to ANY of my numerous inquiries! This COMPLAINT is NOT AGAINST EXPERIAN ... it is against XXXX for THEIR unlawfully violation into my CREDIT FILE without MY CONSENT!
I tried to transfer my school loans from Navient to XXXX in XX/XX/XXXX because I was making payments but was unable to get out of just paying interest so it felt like I was n't getting anywhere with the progress of paying off my loans. When I switched over to XXXX I was able to get out of paying off my just my interest and started seeing progress to paying off the principle as well after a couple months. I made payments to XXXX from XX/XX/XXXX - XX/XX/XXXX. Then, I went to make a payment but was told that I did not owe anything and that my loan was paid off. There was no communication to me about what was happening with my school loans. All of a sudden, I started to receive all the money I paid to XXXX for the year back in my bank account. I call both XXXX & Navient to find out an answer to what was going on with the loans but neither institution was able to provide any information. I was told by both institutions that I did not owe either company any money in XX/XX/XXXX. I reached out to Federal Student aid in XX/XX/XXXX to see if they could locate my loans or see what happened but they were not able to find anything out. So after searching for answers and coming up with none, I decided to put my money in a savings account because I knew it would come back one day. Well, that happened in XX/XX/XXXX when Navient contacted me via email about paying off my debt. However, when Navient contacted me I was starting my XXXX and was unable to devote any time or money to the situation. When I looked into the amount of my loan it had increased from {$51000.00} to {$58.00} or $ XXXX in interest. I am looking to gain an explanation to happened to my loans, why I received the payments I made back and why I was not able to stay with XXXX. Also, I do not think its fair that I was charged interest on my loans and I want any interests charges removed from the time I switched to XXXX to now.
I purchased a XXXX ( not diesel ) in XXXX. It was considered a demo, driven by the XXXX dealer manager for a year. On XXXX, I brought the car in because the engine light was on and I was due for an emission test. ( I regularly had all service done on the car..but not necessarily with XXXX, had issues with them ) I had had an issue with the engine light being on sporadically for as long as I owned the car, it was repaired but then would come back on.The day I brought the car in the XXXX service center said there were 4 issues with it. I picked two to be repaired which would include the engine light issue and the other one XXXX thought was more important, with the other 2 to be repaired at a later date. I had just spent over {$2200.00} in repairs 2-3 months previously. Five minutes after I pulled out of the dealership the engine light went back on. I was on my way out of town so I could not return. I am disputing the XXXX charge. I have reached out to the State of CT Attorney General 's office, obviously I am not important enough ... they only do " mediation '' ... I have spent hours putting together all my paperwork..and ST of Ct only sends me XXXX copy of their reply ..twice. I did dispute the charge with my credit card company ( CitiCard ), which they originally credited me..but the charge was put back on my card. I am willing to sacrifice my credit on principal. The employees at the XXXX CT XXXX dealership lied. I am attaching backup for your review. Your help is very much appreciate.
I find there is a XXXX Inquiry from XX/XX/2018 on my XXXX report. I didn't authorize this one. Please delete it.
AES has  XXXX  accounts on my  XXXX  and  XXXX  reports that are over the seven year period.
In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.
On XXXX/XXXX/XXXX we were looking at XXXX online exploring availability of show tickets and saw prices for a show that looked like a good value. When we entered our credit card information and selected the tickets the purchase was " XXXX '' back to us at a price ( {$760.00} ) far greater than we thought we were agreeing to. We tried calling XXXX but could not reach a " Supervisor '' as we were told we must. Despairing of that XXXX, we called Chase Credit Card and told them the problem. Chase closed the account, issued us a new card/account # and said they would " investigate. '' After we exchanged letters and phone calls with Chase numbers of times they announced on XXXX XXXX, XXXX that " as a result of our investigation, the charge is considered valid. '' I have written to Chase on XXXX XXXX, XXXX and again by Certified USPO Mail on XXXX XXXX, XXXX asking for the details of their investigation. No answer has been provided. I 'm asking the FTC to require Chase 1 ) to provide copies of proof that I owe XXXX {$760.00} or 2 ) Credit my account for {$760.00}.
these two accounts XXXX XXXX acc XXXX and chase cards acc # XXXX, are reporting one delinquency negative mark on each account. i have already received the creditors letter for which they have approved to remove the inaccurate information from my credit reports and they have approve to have all the credit agencies to remove this inaccuracy. 
please help me to resolve this issue thank you