WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised at the XXXX XXXX XXXX in XXXX, VA there something terribly intrinsically wrong with customer care service. I ordered a XXXX XXXX XXXX XXXX by salesperson on XX/XX/XXXX ; he informed that they had the order. I inquired about delivery period and he said only two -3 days. He again said to me to expect the delivery by XX/XX/XXXX. I took off work and missed an evening meeting waiting on the delivery, but they never showed up. I called the Customer care talked to XXXX and XXXX, and she told me the delivery is scheduled they would call me. Salesperson kept promising delivery dates, I still did not have my mattress after XXXX told that they would deliver on FRIDAY>SATURDAY>MONDAY. Finally, the Mattress was delivered XX/XX/XXXX, Friday, but when I slept on it, it was so uncomfortable, it felt like a firm mattress, versus the plush ; they delivered the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called the store to inform them of my restless night because it was too firm, and they told me that I have to sleep on it for 30 days to obtain the plush feel ; then to send them a picture of the mattress. On XX/XX/XXXX, I sent a picture of the label on the mattress with the model # ; even though the model # did not match my sales receipt, they still did not admit a mistake in mattress. I told them this is fraud! I want you to come pick up the mattress I do not want it ; it is not what I ordered. On XX/XX/XXXX I went to the store and Manager told me they would schedule a tech to come on his time schedule, and check the mattress. No tech yet. Manager said, after tech comes mattress of my choice will be delivered, and if I don't want it, they will remove the mattress. Even though I expressed that I do not want it they persistently overthrowing my decision for them to remove the mattress. All this waiting to remove the mattress is so painful. They just prolonging the time. I will not be forced by XXXX XXXX  to except an uncomfortable mattress ; I do not trust them now! Mattress cost {$840.00} Total {$840.00}
I have a credit card account with Bank of America. They state in their Credit Card Agreement that they are subject to the laws of the State of North Carolina. I have read that they can close my account for any reason which they did. But they did not tell me what the reason was. I have never missed a payment and I am still making payments. I believe my account was closed because I used the Credit Card in   XXXX   XXXX    in  XXXX . Right after I made this trip they closed my account. I have never been delinquent.
It appears the debt attached to the XX/XX/XXXX Deed of Trust associated with my account may have been sold multiple times between XX/XX/XXXX and XXXX, and not through a Trustee 's Sale at public auction as represented to me and the public by Bank of America and their named Trustee, XXXX XXXX XXXX XXXX ( XXXX ). This deliberate action amounts to fraud ( a knowingly false representation ) on a mortgage, Deed of Trust, or real estate and property and possibly Racketeer Influenced Corrupt Organizations ( RICO ) Act violations as prohibited by law. 

While Bank of America through XXXX caused to be recorded at least one Trustee 's Deed the next business day following Trustee 's Sale at public auction according to county records, Bank of America, through Trustee XXXX, took eleven ( 11 ) days to record a Trustee 's Deed related to my property after the day of auction and sale without explanation as to why such a delay occurred. On the face of it, the reason appears to be the withholding of the recording of a public document until a named bona fide purchaser ( BFP ) XXXX be had and named within and on the Trustee 's Deed, an official public document, thereby attempting to avoid any appearance of unlawful activity related to a mortgage, Deed of Trust, or real property. 

It is to be noted Bank of America has no authority to begin foreclosure and property separation processes while the modification process is pending, as a matter of law. 

All applicable Acts and other regulations, statutes, guidelines, and rules of law. 

All previously mentioned resolutions are desired and mandatory.
I was a victim of identity theft and noticed a collection from Credit Counsel Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Counsel Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
XXXX XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX XXXX  ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
I am uncertain of the exact date but XX/XX/XXXX and XX/XX/XXXX I received letter from chase bank stating that my account had fraudulent activities done on it adding up to more the three thousand dollars. I called explaining to them that it most of been a mistake because there was no way someone couldve deceived you guys as me and gotten all this money without my authorization!
I keep getting an email from pnc bank about XXXX dollar debt that I know nothing about. its identity theft.
I currently reached out to Experian because I am in the process of fixing my credit and I noticed I have a lot of inquiries on my report that I do not recognize. They failed to do anything about when asked to remove them. 

I provided the list below XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus Experian, XXXX, and XXXX.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Inquiry on  XXXX / XXXX / 17 . I   did not authorize this inquiry.
<P/>
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
They want me to pay a balance of an account that i never open and keep calling me asking for money and asking personal question and information like social security number by phone, i eould like this people to stop bothering me and remove me from the debt and their system since i have never open an account eith them
I am filling this complaint because I have been ignored by Experian. My request has been to be provided with documents that their company has on file that was used to authenticate and verify a bankruptcy account. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. This information does not belong to me and my continued requested for verification has not been fulfilled. 
I have contacted the county with a response that they never report to the bureaus. I 'm attaching all my requests that have been sent to Experian ( and ignored ) dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I 'm also attaching the letter that I sent to the county. Per Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. 
Please resolve this manner as soon as possible I have been dealing with this matter many months
I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.
this is unacceptable its not my mine fault, they need to take that up with XXXX XXXX XXXX how can you hold me liable for another bank error cfpb violation
Called claiming to be an investigator from pinnacle and left a message, claimed that they spoke with my ex wife, and if I did n't call back by the end of the day I would be facing litigation. Very aggressive and threatening. Claimed they sent certified information to my address but I 've been living in the same address for 11 years and I 've got zero certified information from anyone close to that name.
I believe that I was enrolled without consent or knowledge in Citi Identity Monitor. 

Customer Reference XXXX
Equifax, XXXX and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,
My name is XXXX XXXX, I received a copy of my credit report and there was a collection listed with Aargon Agency for a rental property that was a few years ago. I had gone to court with the rental company and there was an agreement made. I originally disputed the information with the bureaus assuming the bureaus had it wrong but they said they verified the amount. I then sent a letter directly to this collection company asking for detailed information and I have not received anything back and it's been a month. How are the bureaus able to report something and I can't even get information for it?
Hello, My home mortgage was just recently transferred to XXXX XXXX XXXX ( ShellPoint ). I was notified of mortgage transfer late XX/XX/XXXX. Once I received the letter of transfer, I called ShellPoint to make a payment and set-up a re-occurring auto pay transfer. However, it seems the auto pay was never activated. 

Couple of months passed by and I realized the amount of money I am keeping for the mortgage is not being deducted. I called Shellpoint customer service and only then I was notified that my account is past due! During the " past due '' period, I didn't receive any letters, phone calls or emails to indicate that my mortgage payments are not going through. Also, by law, I have 60days to make a payment from the day of notification ( mortgage transfer ).

Currently I am going through a financial hardship. I am trying to refinance to decrease my mortgage monthly payment. This false late payment caused my credit score to drop  tremendously and not allowing for the refinance to happen. 

I called shellpoint to resolve the issue. The only action they were willing to take is to report to prospective lender that my account status is current. Unfortunately, this is not enough. Shellpoint need to update the 30days past due payment reported in XX/XX/2018 to all credit bureaus to indicate there were no late payments on my account. 

Thanks for your help in advance, XXXX XXXX XXXX
A company called Central Credit Services , LLC is attempting to collect an alleged debt that I owe to a collection company named XXXX XXXX XXXX. I am unaware of these collection agencies and I do not owe any money to these companies. This alleged debt has been placed on my credit report and I am requesting it to be removed immediately.
I have been trying for 5 years to get a modification thru wells fargo and have been unsuccessful. In XXXX a judge ordered that wells fargo had to either give me a re-mod or work out a payment arrangement for the arrears. Wells Fargo has refused to obey the order. I was also issued a stay on my property by the judge, but in XXXX the attorney for wells fargo attempted to sell my home a the sheriff sale. Since the property was not sold the deed went back to wells fargo. Luckily the sheriff caught this illegal act and took my home back from wells fargo and put the deed in my name. We filed a motion to enforce the judges order and since then they have answered the motion and also filed a motion to dissolve the stay. Not only did they not appeal the judges decision, but they refused to follow her ruling and then illegally attempted to sell my home. At this point I am waiting to go before the judge and do not know when that will happen. As of right now they are attempting to sell my home on XXXX XXXX, even tho i still legally have a stay on my property. The sheriff informed me that the attorney for wells fargo will be notified that the stay is still in place, but on the website it is still listed as for sale. I do not know what to do.
The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.
In XX/XX/XXXX, I attempted to get out of default by entering a rehabilitation program ( 9 month program ). A title 4 was reinstated to my account after 6 months, I failed to make the other 3 months so I had to start over. They never asked me to resubmit my XXXX and Rehabilitation Agreement. In XX/XX/XXXX, I began making payments again and completed the program in XX/XX/XXXX, I asked the representative on the phone what the next step was and did I have to make anymore payments. He said No, you dont have to make anymore payments to us. Your loan is out of default, just wait for the next loan servicer to contact you. They will arrange your payments from here on out. That loan servicer is Reliant Capital Solutions,  they didnt send me any mail or correspondence until XX/XX/XXXX. When I contacted them, they told me my loan had redefaulted and I should call the Dept. of Education. I spoke to 5 different people, all of which said different things as to why it was redefaulted. The representative I spoke to in XX/XX/XXXX gave me false information. Thus creating this massive problem. All 5 representatives I spoke to confirmed that I was correct and they made a mistake. Their solution was to have me start off the rehabilitation program and pay until Im out of default. They offered no assistance in the massive issue they created and Im graduating college a full year later because of their mistake.
The debt was charged off in bankruptcy about 3 to 4 years ago. I have been cussed at. They have called my husband 's and my work. Threaten too have us arrested our severed. Told them to contact my lawyer used. I have tried to call them back with the lawyer and bankruptcy information and was threatened and hung up on. Now they are spoofing phone numbers to try and get us to answer.
Experian customer service would not help and take care of the negative/fraudulent reported inquiries 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX. Date of Inquiry : XX/XX/XXXX 3- Inquiry : XXXX/XXXX XXXX . Date of Inquiry : XX/XX/XXXX 4- Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX 5- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 6- Inquiry : XXXX/XXXX  XXXX Date of Inquiry : XX/XX/XXXX 7- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 8- Inquiry : XXXX/XXXX  XXXX And As Date of Inquiry : XX/XX/XXXX 9- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 10- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 11- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 12- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 13- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX
I HAVE BEEN CHARGED THREE TIMES FOR A FREE CREDIT REPORT. 

ON XX/XX/XXXX CHARGED {$12.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$1.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED THE REPORT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$21.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD UNABLE TO REACH ANYONE ON THE TELEPHONE I AM A XXXX XXXX   VETERAN
I have a Sallie Mae student loan, I had made my monthly payment on XXXX/XXXX/15 in full, {$130.00} and I requested a Forbearance at that time. I was told by XXXX in customer service that my Forbearance was indeed processed and I had nothing to worry about, as it was for ( 3 ) months. A few days later, I started receiving calls from Sallie Mae stating that my payment was past due for XXXX 2015. I called them and was told that There was never a forbearance placed on my account and that I would be going into collections if they did n't receive another payment for {$130.00}. I advised that I could n't afford another payment and that was why I asked on the last call. They took a financial stmt from me and said there was nothing that could be done. I called back on XXXX/XXXX/15 spoke to XXXX # XXXX and advised of all my prior calls and issues, he stated that he got permission from a supervisor to override the {$50.00} forbearance fee and process the forbearance through XXXX/XXXX/15 and if I wanted to request another XXXX, I 'd have to call back prior to that date and pay another {$50.00} to have it processed again. I called back that same day and spoke to XXXX to re-confirm that the forbearance was in effect, XXXX stated that it was and that he not only spoke to XXXX, but that he looked at my acct and it was showing there. Today is XXXX/XXXX/15, I started receiving calls from Sallie Mae stating that my acct was seriously past due and that I was headed to collections if they did n't receive a payment of {$270.00} before XXXX/XXXX/15. I called today and spoke to a supervisor # XXXX, she stated that none of the forbearance went through because I was past due in collections and had not paid the {$50.00}. I advised my entire situation and she said that there was nothing she could do and said for me to make the Min payment and come out of " collections, '' but I explained that was n't possible as I had trusted the Reps that I had spoken to at Sallie Mae and they mislead me to believe that my acct was in good standing in Forbearance. I am currently in an economic deferment with XXXX for my federal loans, and I advised that to the Supervisor. 
I do not know what to do and I have already paid off XXXX Sallie Mae loan last year, I have an impeccable credit report, am a single mother and do not want this to affect me negatively. 

Please help me!
I received a Notice of default that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) had to pay on a student loan that was identified in the notice on XX/XX/2018. They are demanding I pay in full the entire balance of {$380.00}XXXX XXXX immediately. Per previous complaints filed with the CFPB, AES Resolution Dept, Dept of Education, PHEAA Theft/Fraud Prevention Services, FTC, ED FOIA Manager, USA.gov, The Office of Compliance and Enforcement ( LSC ) and the Ombudsman, I am ignored, asked questions regarding my past Medical/XXXX issues, impending retirement possibilities by either Customer services, Supervisors and Upper Management. PHEAA had informed me, after I had filed another claim with the Credit Reporting agencies, that my Student Loan was in process of being transferred back to XXXX XXXX, now XXXX. And, XXXX would make the decision ( s ) regarding what to do with this student loan and all of the problems associated with it. That XXXX will be contacting me. In the meantime, I was instructed to wait until I hear from XXXX. Instead, I received a Default Notice from PHEAA.
I have received multiple letters from Dovenmuehle Mortgage demanding additional monthly payments of {$470.00} above my regular mortgage payment. The latest letter dated XXXX XXXX 2016 is hostile in tone with " COLLECT A DEBT '' and " BANKRUPTCY " repeated in the first paragraph. 

The extra payment apparently is related to a mistaken belief that we have no flood insurance, despite the fact that we have provided a copy of our flood insurance declaration showing effective coverage paid through XX/XX/2016 and called Dovenmuehle on XX/XX/2016 and XX/XX/2016 ( spoke to XXXX ). 

Dovemueller has acknowledged by letter and during telephone calls that we have flood insurance in effect but they continue to demand extra escrow payment. Can you assist in stopping this harassment?
I am trying desperately to get more information about the status of my XXXX Loan Forgiveness application, but XXXX continues to delay the process for an unexplained reason. They received my application on XX/XX/XXXX, and still have not made a decision.
This Company ( The Thomas Agency Inc ) Never sent Me any Information on this so call debit of {$52.00} dollars. I know it was paid and they ruin my credit by filing this on my credit reports in XX/XX/XXXX.I know I paid it in XX/XX/XXXX
Chase is taking 7 days or more to apply payments to the available credit. The timing is happening like this : Day XXXX : Payment is made onlineDay XXXX : Money is withdrawn from my checking account. 
Day XXXX : Payment is shown online and current balance is updated. Available credit is not updated. 
Day XXXX : My bank confirmed that the funds were deposited to Chase. 
Day XXXX : Available credit is finally updated. 

I was told by customer service that the available credit is updated once funds are confirmed. With funds deposited into their account by day XXXX, there is no reason it should take longer to update the account. All of my other credit cards update within 1-3 days. Chase is the only CC that refuses to update in a timely manner.
This issue involved a disputed amount to be paid to XXXX XXXX in XXXX. There should have been no payment due on my part but I lost that battle with my insurance company 4 years ago. I contacted Credit Management company in writing on XXXX/XXXX/XXXX offering to settle this debt for {$120.00}, which I consider very fair, but have yet to hear back from them. I would like to get this issue resolved but lack of communication from them makes resolution impossible.
T
he credit-reporting company Equifax has had knowledge, since late XX/XX/XXXX, that my personal information was likely compromised, and I was not informed until early XX/XX/XXXX. This is also true for over 100 million other Americans. I 've placed, through XXXX, a 90-day fraud alert on my credit.