WillisBack/dataset-financial-user-claim huggingface dataset:
I was given wrong information by XXXX XXXX XXXX on XX/XX/2015. I booked XXXX travel ticket with help of XXXX Agents to XXXX. Told the travel agent.at XXXX before I booked the tickets told them our situation, That just in case if we do not get the visa to XXXX can we get the full refund on the reservation. He told me yes if you cancel with in 72 hours before departure of the flight. Plus you are backed by XXXX XXXX, you should be good. Weeks later we did n't get the XXXX so I called to cancel the reservation. A month later I got my statement says that I owe XXXX {$8300.00} for no showing up to travel. Now how can it be now show when I had canceled the reservation. XXXX told me they had re booked my flight for a different day.I told them how can I travel when I did n't have the XXXX to travel. Plus you never notified me any way of the changes. Until today they have no answer for that. I have attached the copy of the reservation and cancellation. This company had given me the run around with no clear answer.Now there trying to ruin my credit by sending to collection.
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX. 

On XX/XX/2019 I made a payment on time for the amount of {$100.00}. This payment was paid on time as agreed. 

On XX/XX/2019 I made another payment of {$870.00} in an attempt to increase my credit score and lower my account balances. As I am trying to obtain a mortgage. I received confirmation both payments were made and taken from my XXXX XXXX account. 

On XX/XX/2019 I was notified via XXXX XXXX of a over 30 day late payment on this account. Having realized this was an error and the payment was made as agreed, I called and thought this to be easily corrected as an error. Instead, I was told they have no method to correct errors reported and I would need to dispute the error. I explained I needed this corrected now as it will effect my mortgage. Instead, I was told that an error occurred and they could not identify the error but there system did not take the payment as I was advised and that because of this unknown error they would waive the late fee and take a phone payment at no cost for the trouble. I said, I could care less about the offer I wanted to make the payment and have my credit reporting error corrected. I was told they could not remedy the error as it was unlawful to change the report. 

I have made the payment in good faith. The payment was not returned from my error or NSF. It just did not go through. No one ever called or emailed me to advise the payment was late or did not process. Instead without me being told they took the credit of my payment away and did not bother to send me certified mail, email or call me. I had to contact them after being notified via XXXX XXXX.
I have tried calling Transunion, XXXX, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Despite the fact that I have been fully insured and faxed all insurance proof ( flood & HOA ) on XXXX2017, the company " XXXX XXXX '' formerly known as " Nationstar Mortgage '' has purchased a {$1700.00} insurance on my behalf.
As a result of that, they have increased my Escrow Projection and incorrectly adjusted my monthly payments from {$2900.00} to {$3100.00}.XX/XX/XXXX payment has already been processed with the wrong amount. 

I have tried to contact them via website and telephone multiple times with no success.
I have a water bill on my credit that I already paid and was send to a collection agency without my knowledge. I get calls night and day from collection agency with treated, judgement and repossession of my belonging. I am very XXXX with all this treated, I get XXXX kids at home and scare that someone will come to my house when I am at work and just take everything without my knowledge.
XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
OnXX/XX/XXXX I purchased a XXXX XXXX XXXX  headset with Bluetooth advertised on XXXX, paying {$930.00} for the item using my Citibank Visa card. When the item arrived, it did not have the advertised Bluetooth option, whereby it would have cost approximately {$350.00} to upgrade it ( although the XXXX with Bluetooth is only about {$100.00} more expensive when purchased originally with Bluetooth ). I returned the item to the Seller ( who initially refused a return ), and I initiated a dispute with Citibank. Citbank initially gave me a " provisional '' credit while " investigating '' the matter. However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX ( copy, together with other documentation, attached ) in which Citibank determined that they would reverse that credit. In " support '' of their decision, Citibank included the " merchant 's response '', which was actually a Citibank Merchant Chargeback Response Form, printed by Citibank, in a point size that is so minuscule that I had a difficult time reading it with a magnifying glass ( Notably, despite my age I have perfect vision, without any requirement that I wear corrective licenses on either my driver 's or pilot 's licenses ). Copies of my correspondence, including confirmation of the return of the item to the Seller, the Citibank letter, and other documentation are attached.
1. Numerous variants/misspellings/letter inserts & omissions of my name submitted by different marketing companies.

2. Incorrect addresses/misspellings submitted by different marketing companies.

3. All of the above should be deleted.
I have contacted Midwest recovery systems and XXXX credit bureau in regards to an account Midwest has with XXXX. XXXX. This account in the amount of {$670.00} was paid in full as of XX/XX/2018 to Midwest Recoveries attorneys XXXX and XXXX. I've sent a paid in full letter twice to both agencies with no luck. One tells me that XXXX and XXXX need to do it notify XXXX credit bureau and Midwest recovery says that I do. I have sent everyone documentation twice and faxed it once both to the above company. 
Items on my credit report with XXXX sore I have no credit card debt. And everything is at XXXX they are showing open balances from XXXX they will not correct it.
As XX/XX/2018 I check my XXXX XXXX account only to see transunion has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
My checking account currently has a block or restriction preventing use of mobile deposit, this is due to number of times overdrawn/currently overdrawn. I do not have any branches and or ATMs located near me in Connecticut, I will need to use mobile deposit in order to bring account positive and for future deposits. The rep I spoke with earlier today stated I could transfer funds from savings, however, a federal regulation prevents a number of XXXX transfers per statement cycle. Needless to say, this does not resolve matter.
I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!
I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..
I am currently having a problem with my mortgage company Ditech Financial. I received major damage to my property through a windstorm on XX/XX/18. My insurance company wrote me a check for repairs which is being held my Ditech Financial. I am eager and willing to make all repairs as soon as possible however Ditech will not release the needed funds for the repairs. Ditech is relying on unreasonable requests from me. I have been in XXXX XXXX for 35 years and will make self repairs. However, Ditech Financial will not allow this. I have already completed large amounts of the repairs to prevent further damage. I have been dealing with Ditech on a daily basis and they have released very minimal amounts of money. I will be unable to make my continued mortgage payment on the property due to Ditech not allowing me to complete repairs. I am in fear of losing this home due to foreclosure caused completely by Ditech 's unwillingness to use common sense. I have been supplying Ditech with all the paperwork they require but they have been uncooperative. Ditech will ultimately cause more damage then the storm did. It should be a crime for a financial institution to hold your money hostage and delay repairs of my property. They should be a helping hand not a road block. I have sent several letters and request with no responses. I do not know what else to try. I am currently making complaints to whom ever may be able to help.
I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Transunion. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.
To Whom it May concern ; For the third time in XXXX years, I have quit receiving my monthly mortgage statement! 
the statement I use to pay my mortgage payment. I generally have to call customer service to order them to start issuing my statement again. the company is : Ocwen Loan Servicing LLC
on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit
I recently checked my credit report and noticed a couple inquiries on the report that should not be on there. Ive listed them below with the reason I believe they should not be there. They need to be deleted as they are inaccurate. Also, if the bureau says they are accurate, they must provide proof under the FCRA. 

XXXX XX/XX/XXXX DO NOT RECOGNIZE THIS AND DO NOT HAVE AN ACCOUNT WITH THIS BANK XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION XXXX XX/XX/XXXX I BELIEVE THIS IS A DUPLICATE PULL AND MUST BE DELETED AS I DID NOT GIVE MY PERMISSION Again, if this inquiry was pulled with my permission, please provide proof. You can not provide proof as I did not authorize.
Collection Agency Common Wealth Financial 
account XXXXfor $XXXX and XXXX for $XXXX
I have talked with this company and advised that this is for me and that they have no bill nor proof of my DL id or signature. I have disputed with XXXX, XXXX and XXXX and they have failed to remove this off my credit report.
Experian 's " online disputing '' does not work. It begins by asking questions about credit accounts that are not mine. I answered " none of the above '', then it tells me I am an imposter and request a photocopy of my driver 's license.
This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.
I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.
During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB.
I have tried to get Santander to verify this dept several times and I get no response. This dept is a vehicle that my deceased brother that worked at the car dealership signed my signature and my girlfriend at the time signature. Me nor my ex signed for this loan. This is badly hurting my credit as I am trying to get things in the positive.
Good day, To whom it may concern On XX/XX/2018 I paid to Chase the full amount of {$4100.00} and paid off my car. For some reason the person who took my call did not verify with me all the information a had provided to them about my bank. Two weeks later I received the title of my car. Then a week later I received a letter from chase saying my payment did not went through and that my account was open again. I call them gave my information again the person who answer me double check the information I gave them and my payment went through 3 days later. So when chase reported this to the credit bureau it hurt my credit and drop 29 points on my credit score. I should not be penalized on my credit score and I want those points back. If anything my credit should have gone up for paying the last 6 month in full. My score went from XXXX on XX/XX/2018 to XXXX on XX/XX/XXXX. May you please help me recover my points as I am looking to buy a house and I dont want to get higher rates because of my score drop. Both my credit bureau XXXX XXXX and XXXX  dropped. Thank you in advance for your consideration. 

Best Regards, XXXX XXXX Cell : XXXX XXXX XXXX
Frauding scams using XXXX  XXXX XXXX of XXXX XXXX Indiana of my birth certificate long form of XXXX XXXX XXXX XXXX XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents
Approximately one year ago myself and my son both opened a savings and checking account with US Bank. I am a XXXX, and my son XXXX. 
In XXXX 2015 my son inadvertently deposited a check into my savings account without my knowledge for {$2200.00}. US Bank DID NOT place a hold on the check and my son withdrew all the money and spent it, again without my knowledge. On or around XXXX XXXX, 2015 the check was returned unpaid and stamped refer to maker and, the account was overdrawn over {$2000.00}. My social security benefits and pension check are automatically deposited into my checking account. When the check was returned unpaid I had {$700.00} in my checking account and US Bank transferred that money into the overdrawn savings account. I learned about this when I went into one of the branches to cash a check for cash. The teller told me that the savings account was joint with my son, and they had right of offset. I never added my son or authorized anyone to include him as a joint signer. That would make no sense as we both had our own accounts. 
On XX/XX/2015 when my social security benefits and pension were deposited into my checking account, US Bank would NOT let me withdrawal any funds until the overdrawn savings account was covered. 
I am almost XXXX years old a XXXX Veteran, a widower, and fighting XXXX. My social security and my pension are my only source of income and what I rely to live on. 
I feel I should NOT be responsible for something my Son created and, I had no knowledge of. 
I reaching out to CFPB because US Bank will still not let me have access to my money. 
I thank you in advance, and look forward to some assistance
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX   have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers
Bank of America Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Bank of America Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the BOA Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : BOA Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Bank of America Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Bank of America from sending out letters that I am volunteering for services " if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Bank of America Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported.