WillisBack/dataset-financial-user-claim huggingface dataset:
This is not a complaint but merely an attempt to communicate with this credit account where numerous phone calls and dead end transfers have put me without resolution.     On  XXXX  and  XXXX  of  XXXX , I tried to re ach JcPenney 's collect ion/bad debt divisions but attempts were futile and ended in incorrect department transfers and disconnections. Finally, on  X/XX/XX , I was able to be transferred correctly to the  XXXX  department at Synchrony Bank where I spoke to  XXXX  and he located my old account. My intent is to  1 )  request itemized charges and dates if need be to state my cause and the n 2 ) verify  and prove with proper affadavit detailing unauthorized use/ID theft on charges with this credit line that, by my discovery, go back to  XXXX  and maybe  XXXX .    XXXX  informed me that this account was sold off to  XXXX   XXXX  and that I need to contact them. I explained to  XXXX  that I already have contacted them, given them the affadavit at their request and that they have agreed and subsequently removed the reporting from all  XXXXX  reporting CBs. I explained th at JCP is still  reporting me separately from the collection agency and that if I need to validate this, I will do so gladly. Again,  XXXX  informed me that there is nothing he can do since the account was sold off to  XXXX   XXXX .
Credit Card companies have started charging XXXX XXXX fees for the purchase of XXXX. Which is treated as a material item by the U.S. Government. So how can they legally charge the consumer as a XXXX XXXX? When it is not? So i'm being forced to pay the 5 % + the immediate interest rates of a XXXX XXXX as well as the Reseller XXXX is also being charged a fee.
my husband and I were looking to purchase a house, we got preapproved through a mortgage company, did everything they asked us to do as far as saving money and paying off credit cards. on the day of closing they tell us we were denied. we paid for survey, appraisal, things that needed to be fix etc and to find out we got denied was very disturbing. they did not keep in constant contact with us or even had my emails and calls go unanswered for several days.i paid for everything in advance because they were confident we were going to get the house.
My husband and I have been trying to refinance our mortgage since XXXX XXXX, XX/XX/XXXX with XXXX MortgageLine, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The company has strung us along, all the while asking for repetitive documents and income statements. We have paid for an appraisal XXXX because the company took so long to process that the XXXX appraisal expired. Each appraisal was {$400.00}. My husband is in the XXXX XXXX and was away XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX. The broker implied this was XXXX of the reasons the refinance was taking so long, but my husband signed a XXXX for me to finalize everything. While he was in training, XXXX XXXX asked for more documentation proving his pay. Even though they knew the military pay was temporary, they said the full time work pay stubs were no longer applicable. When my husband returned to his full time employment after military training, we once again had to submit pay and tax returns. XXXX XXXX has checked our credit score multiple times, which is good standing. We have yet to have an answer of why the refinance is taking so long. XXXX XXXX is working with XXXX XXXX XXXX XXXX.
Transunion has had several glitched in XXXX and XXXX in which caused inquiries to be deleted. Transunion later added the inquiries back without giving the legal required written notice of 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask delete the inquiries that they illegally readded. I spoke to US representatives on XX/XX/XXXX and XX/XX/XXXX. Transunion has violated my rights and is causing a hardship with the re-additions. I ask that if you ( CFPB ) can help Transunion stop victimizing me.
TransUnion 's database has my social security number linked to another persons name. This was confirmed from XXXX who is XXXX of the creditors denying me credit because they already have me with a credit card through them when in fact that it is n't me. I have contacted TransUnion and was told that all their information on my credit report is correct. Which in fact my credit report is correct it is their database that is incorrect and they refuse to fix it. They refused to give me phone numbers or other contacts in their company so this can be rectified.
Dear Mr. Chairman & CEO XXXX or American Express Executive : American Express approved and opened my application for a XXXX XXXX credit card in XX/XX/XXXX with a welcome offer for XXXX XXXX points after meeting a minimum required spending of {$3000.00}. On XX/XX/XXXX, American Express did confirm by phone and chat that I did meet the qualified purchases of at least {$3000.00}, but American Express unfairly deny the welcome bonus based on a reasoning that 2 or 3 of my past accounts in which I was only an authorized user was opened or closed in XX/XX/XXXX. In fact, as only authorized user, I had no control of why the account was opened or closed then ; however, American Express is now unfairly deny the welcome bonus for my current XXXX account that is still open and in good standing. Therefore, I respectfully request a fair reconsideration and extend the welcome bonus as promised. Thank you.
Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD.
I received a letter from a company called Credit Collection Services saying I owe them money. First off I never heard of them and do n't owe them any money. 

I sent a certified letter asking for validation of debt within the day 30 period that the letter they sent me said i HAD. 

In the letter I sent them also included a cease and desist clause and to not contact me via phone. 

Credit Collection Services has violated the FDCPA. They have called my house 2 times since they received the letter. That is XXXX violations. Credit Collection Services never sent me proof via validation that I requested. They keep sending me bills and calling. 

Credit Collection Services also has a person name of the bill that I have never heard. Please fine them for their multiple violations of the FDCPA, plus they harassing me.
This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.
I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.
I had an unpaid debt to the creditor XXXX XXXX XXXX XXXX for XXXX XXXX on a Wi-FI hotspot. The company XXXX offered me a settlement of {$120.00} to pay off the debt. I accepted and paid {$120.00} in full, online, on XXXX. I have a statement from my bank reflecting this payment and a letter downloaded from the XXXX Web site which corroborates the debt was paid in full. I had no reason to believe otherwise. 

On XXXX I received a letter via USPS from Enhanced Recovery Company , LLC which stated that I STILL owed a debt to XXXX XXXX XXXX XXXX of {$120.00}. They offered a settlement of {$54.00} for this debt which I already settled through XXXX.
I divorced my husband into XX/XX/XXXX. In the divorce, he was given the responsibility of closing the Citibank checking account and overdraft protection {$500.00} line of credit account. My former husband stated he had closed the account into XX/XX/XXXX. In XX/XX/XXXX, I applied for a mortgage and found at the Citibank line of credit was maxed out and went into collections. I immediately called Citibank, NA. Citibank confirmed they had never contacted me to inform me of the debt, only my former husband at his residence. ( I later found out he filed bankruptcy and included the Citibank debt. ) XX/XX/XXXX, I paid a negotiated sum of {$200.00} to cancel the debt. Since XX/XX/XXXX, my credit report shows a {$0.00}, paid in full but is being reported monthly as late. The late reporting on {$0.00} balance is affecting my credit, my credit score, ability to borrow money, costing me higher interest rates and time off work to dispute this incorrect information. I have contacted Citibank by phone and email on numerous occasions without success ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I phoned and emailed Citibank XXXX which was listed on my credit report, again without success. Please help me remove and stop the late payments on the Citibank account with a {$0.00} balance.
i made the mistake of getting on XXXX and meet some one on this site that wanted {$3500.00} to get bank to u.s.a .but he did n't come to u.s. i do n't know what he spend the money on but i am in the hole because of this. i had bounced checked and was changed {$25.00} for all the bounced checks that came out of my account for i made with XXXX XXXX that i pay to send him this money. i am on ssi for i 'm XXXX yrs. old what i got into this MESS. i could kick myself in the XXXX.
I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.
XXXX XXXX is reporting to my Transunion report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
Equifax did not take basic precautions to safeguard my personal information. As a result I have to freeze my credit at all known credit reporting agencies and with check vendors out of an abundance of caution given that my personal information was compromised in the security breach. Their cavalier attitude towards network security and safeguarding private information seems criminality negligent and their response has been devastatingly, bordering on comically, insufficient. Pointing people to a phishing site for more information on the security breach? Really?!??!
Here is the proof that I sent Transunion asking them for my original signed documents per the section 609 act and they refused I have asked them who did they talk to when they claim to have verified the account! Once again me as the consumer has the right to asked for those documents per the law.. it also states if the reporting agency can not verify the items it must be delete
XX/XX/XXXX School Year : federal loans consolidated with terms agreed to on master promissory note were a 120month repayment starting upon matriculation from my institution, XXXX. 

Date unknown : I received notification that Salie Mae was spinning off & my loan would be serviced by Navient XX/XX/XXXX : contacted Navient to inquire, what remained on my loan & was told that I was in a 240month repayment plan. I then sent a letter to Navient & requested a copy of my original promissory note. When Navient replied via mail, they sent only a signature page & showed no repayment period terms. 

As my time allowed I thrive placed calls to Navient, who generally kept me on the line 40min-2hrs as the respondent investigated & /or waited for  a supervisor to become available. I was then told a promissory note would be sent. No further information was received in the mail XX/XX/XXXX : On phone with Navient Employee XXXX ID XXXX for 41min. He stated the mastery promissory note on file was cut off and no loan repayment period was shown. I was again put on hold to wait for a supervisor. XXXX XXXX. He again has said paperwork will come in 7-10 days. 


I maintain that without my consent, my loan repayment was altered from a standard 10 year 140months to a 240month term.
I do n't know if there is a timeliness factor in the mortgage process ; but I have been working with HSBC since XXXX to refinance XXXX investment properties. The processors request the same info over and over ; and then because the process is taking so long ( on their part ) ; they have to request credit reports, income verification, etc a few times. I have responded to all of their requests within a day, I have not been part of this delay. The have sent me no less than 5 or 6 Final Disclosures, Mortgage Commitments. I try to call the reps, and never get through to a person. My biggest issue with this process taking months is that I have other investments properties, with mortgages from other lenders that I wanted to refinance ; but was told to wait until this is completed. Because of these delays, this process is going to end up costing me XXXX of dollars.
I was falsely accused of not paying an internet bill from XXXX XXXX XXXX. Months after the alleged delinquency, a collection agency was commissioned to contact me and collect the amount owed. The issue ended up being a clerical error on XXXX XXXX 's part. I verified that the bill was in fact payed on time and provided proof. The claim was removed and they corrected the problem. Now it has affected my credit score and I want it removed from my records.
I have disputed this collection letting them know that I did n't authorize this account. They 're continuously telling me that the account is verified, which it ca n't be because I 've never signed a contract with them. I had never applied for anything with this company until about a month ago and got denied saying that I 've already had an account with them which I never have. Im in the process of trying to purchase a home and do n't need anything negative on my credit report preventing that from happening, especially if it 's something negative that I did n't authorize or have no knowledge of.
In XXXX of XXXX I started getting phone calls from a collection agency. 
They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. 
I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. 
I just received a letter from first National Collection Bureau , Inc . 
They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. 
This is why I got in touch with you.
I opened a Wells Fargo credit card in XXXX 2017 with a promotional offer of spend {$500.00} in the first 3 months and get a {$200.00} cash rewards bonus. I spent {$1000.00} in less then the 3 month period, and did n't receive my promotional offer. I called several times, and the first time I called, they told me the offer was to spend {$1000.00}, not {$500.00} ( which I did anyway ), but I did n't take a screenshot of the offer, so already I was suspect of their integrity as I could not prove I was correct. First I was told I had to wait until after the 3 months had ended, then I was told it would happen on the next billing cycle. it has since been escalated a few times, and I still have not received my cash rewards bonus. I feel like the entire thing is fraudulent and a scam, and I honestly do n't expect to get my {$200.00}.
I received a Chase Auto Loan for a new car in 2012. I set the account up for automatic deductions from my bank account. These went like clockwork for five years. When the last payment was due Chase sent me a letter asking for a check with a specific amount that would pay off the loan. I sent them the check. When I looked at my checking account statement I saw that they processed my check and subsequently made an extra automatic deduction that they did n't deserve for a Paid-in-full loan. Apparently Chase is n't able to discern when it has been paid-in-full and will keep helping itself from your checking account until you go into Chase.com and stop them. When I tried to go into Chase.com the system would n't recognize me - probably because my loan was paid-in-full and thus my account was closed. This is the perfect feedback loop. You pay them in full but you ca n't get in to stop the payments because your account is paid in full. After about an hour I was able to get to someone with the technical ability to stop the payments. Now Chase is sitting on {$620.00} that belongs to me. I will be pleasantly surprised if I ever get it back.
In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. 

This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. 

They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.
XX/XX/2018 amount is {$960.00}, i called to see more information about this account and to let them know that someone has stolen my identity, because i never had an utility in my name.
XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with EQUIFAX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has EQUIFAX, XXXX and XXXX.
In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.
BYL collection services XXXX XXXX PA, XXXX XXXX Account # XXXX no contract or no signature
On XX/XX/2018 XXXX loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of my credit report.
On XXXX over ten days from the clients sale date of XXXX a modification package was sent in. ( please see attachment ) On XXXX Pacific Union confirmed receipt of all docs and stated nothing was needed. 
On XXXX XXXX with Pacific Union stated a missing document letter was sent out on XXXX but " had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on XXXX, XXXX and they stated that they did not have receipt of docs as of yet. That it can take up to 5 days. The first time the initial package was faxed and emailed in, it was received that same date. It was very apparent that the lender was purposely avoiding acknowledging receipt of the documents in order to foreclose on the home. The documents were not only sent in a timely manner, but the fax confirmation and email were kept as record. 
On XXXX Our office once again spoke with XXXX who stated there was still no update. When asked what the delay was on receiving the documents she rudely stated the following- " You are not the only one in the world attempting to do this. '' A supervisor was requested but she claimed all were in meetings and no one was able to assist on the file. XXXX stated that the home would go to sale on XXXX as the review of the modification would not postpone the sale date. 
On XXXX the homeowner received a letter dated XXXX stating the loss mitigation package was received. That the deadline to send in the Letter of Explanation document was XXXX which has not yet expired.. 
Pacific Union has stated one thing in writing and their employees are stating something else verbally. It is very apparent that Union Pacific was rather not assist XXXX XXXX. Furthermore, Pacific Union is discriminating on XXXX XXXX based on his race, national origin, and ethnicity. XXXX XXXX is requesting a fair review with no discrimination or he will assert his legal right in district court.