WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed fraudulent items with equifax on multiple occasions. from XXXX until now. I have contacted the companies and they have verified that they have removed these items from their computers but equifax has refused to clear the items of the credit files maintained by their company. The items have been removed from the other XXXX bureaus. Equifax has refused to a knowledge the dispute, they have not removed the items nor have they even marked them as disputed. I have talked with them and verified with the agents that they received my fraud packet with the police report included and they have refused to remove any of the items or reach out to the reporting companies even though the companies no longer have the files active in their systems and have closed them as fraud. I have had contact with equifax. and faxed and mailed the information on these dates XX/XX/2018XXXX XXXX XX/XX/2018, and XX/XX/2018, XX/XX/2018 They have refused to acknowledge any of these contacts and disputes and have verified that it has been received every time
Wells Fargo purchased my mortgage from a different company. I have repeadtly tried to go through proper channels including sending a letter to the CEO asking to change my due date. I only get paid once a month - the XXXX - so I need a due date after the XXXX. The company refuses to even acknowledge anything only stating I signed paperwork that it is ok to have my loan assigned. While true, I did not sign anything for Wells Fargo. By refusing to change the due to after the XXXX, Wells Fargo is causing me undue financial hardship and possible late charges and fees that will be accumulated. The company can not provide a valid reason as to why this can not be changed
Capitol One credit card. 
Was a guest at a XXXX for a wedding. My credit card got charged twice for my room. I disputed the charge and Capitol One removed it and had fraud investigate. The hotel claimed I had requested to pay for another guest 's room and refused to sign an authorization. They sent the other guest 's room information and I had never even heard of him. Capitol One put the charge back on my card. I contacted the hotel, who would not return my calls, then filed a complaint with the XXXX. I sent this documentation back to Capitol One and they once again removed the charge and re-opened the investigation. XXXX insisted I offered to pay for this room even though I had already told them I did not and I did not know the person they claim I paid for. At no time did anyone contact this person even though both XXXX and Capitol One had his contact information. Capitol One then put the charge back on my credit card, but they put it on TWICE. Phone calls and faxes have been ignored. No one is returning my calls. I have called the general fraud line and online chatted with customer service. It appears no one is allowed to help me, including taking off one of the charges that was put back on twice. Worst customer service ever.
My business checking account with US Bank had 2 disputed charges from the same merchant, the first charge was handled properly but the 2nd charge was not handled properly by US Bank ( they submitted the dispute incorrectly and kept closing it for reasons that had nothing to do with the dispute ) and now they are refusing to do anything further on it. After numerous phone calls, speaking with supervisors etc they are stating they are past their timeline to do anything further. I have advised the 2nd dispute was not handled properly from the beginning by their side they need to resolve the issue. They refuse, citing they are past the time line where they can do that. I have given them ample opportunity to resolve the issue and they refuse.
I have never damage XXXX and XXXX to which I have spoken to and they said that they paid this bill. I should a Of the no medical bills on my credit report for they are all paid for by just insurance100 per cent
I have ( XXXX ) Chase credit cards that are linked as the same on-line banking account. I receive requests that the DO NOT recognize my home computer : We need to send you an Identification Code -- We need to confirm your identity to ensure your accounts are secure. We do this by sending a temporary Identification Code to one of the telephone numbers or email addresses you provided us in the past. 
Already have an Identification Code? 
XXXXChoose how you 'd like to receive this Identification Code and click " Next. '' On the next page you 'll enter the Identification Code you receive. 
XXXX Text VoiceNote : We do n't charge for text messages sent to your mobile device ; however, standard message and data rates may apply. If you select voice and your number requires an extension, we wo n't be able to reach you. 
Other Call to get a codeWhat you should know ... 
The contact information you see here is the most current information we have. If it 's outdated, you can change it later, but for security reasons, you must select one of these options to receive your Identification Code. 
If you 've asked us to send you an Identification Code and you have n't received it, please select another delivery option. The previous code will become invalid when you request a new one. 
On Sunday ( XXXX XXXX, 2015 ), I made at least ( 7 ) seven calls to Chase Bank to obtain this code and to asked why they still show a cell phone number ending in ( XXXX XXXX on the account when I have repeatedly requested Chase to delete this Phone number ( because their system would not allow my to delete the phone number ). These calls start with a message that the CALL IS BEING RECORDED. As usual, I was transferred between customer service and the on-line tech support several times ; yet, was not given a code. Each call is met with " SECURITY QUESTIONS ''. I suspect real estate brokers ; XXXX XXXX ( XXXX degree from XXXX ), XXXX XXXX ( XXXX ; XXXX ), and XXXX XXXX ( XXXX stated was also in XXXX/his mother works in the XXXX ). My paperwork for these classes includes the old phone number and e-mail address. I have been harasses in attempting to acquire a XXXX. I stopped attending their real estate classes and obtained a XXXX degree from XXXX XXXX XXXX University. I witnessed XXXX XXXX allowing her daughter, XXXX XXXX ( works for a fingerprinting company-Identa KID program ) to use her Washington Mutual card for various withdrawals. Washington Mutual was involved in the sub-prime mortgages and taken over by Chase Bank ; and, these brokers were working for XXXX XXXX XXXX, a company that XXXX XXXX ( XXXX XXXX ) has stock ( ownership ) in. 
I have received emails about re-financing my mortgage and my payment is due. In addition, someone is attempting to act on my behalf regarding unclaimed property. I have several emails regarding this matter. They may be money laundering through City of XXXX XXXX Housing Commission, Section XXXX, Voucher program in order to pay off debt as a result of the SEC investigation of XXXX XXXX. XXXX XXXX and XXXX XXXX deal would be an example of deals to create layers of paper work IF INVESTIGATED. XXXX XXXX entities ( XXXX XXXX ).
I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, Equifax and  XXXX XXXX.
I can not obtain my credit report in any way. There is alot of things that were reported on my report that i know are know are not mine. Judgements and crefit accounts and loans that were never mine. They keep sending me form to update incomplete and outdated information. Why? I do not know. All i know is i took rje hit for the past several years for someone elses debts. Unacceptable. And years later i still fo not know what my credit report still has on it or if anything new was added to it. I need serious help with this. Equifax keeps railroading me. I need to move in 3 weeks and i need this information. I pnly have XXXX identity. Not my fault they reported wrong information. And i sent them my information they requested numerous times already. It has been years trying to resolve and nothing has been resolved. Please help.
In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. 

I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Equifax had a breach in their security protocols which left my credit information and the credit information of millions of others compromised. I was not notified within a reasonable amount of time and found out through a story on the news. This is not satisfactory. This is downright irresponsible. Equifax should have notified people that their systems were compromised and shown the consumer that they were being proactive in this situation. Instead we have found out that the top brass of Equifax decided to profit from this and the consumer is going to be responsible for all damages.
I have disputed the late payments on this XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months.The credit bureaus did not reverse the late payments.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Diversified Consultant is a fraudulent company that I have never had a contract with and got a hold of my information and has attached themselves to my credit 3 times and I have proven that it is not my account. It keeps being removed then re attached month 's later. They are a nightmare and should not be allowed to ruin people 's credit. Please shut this company down.
Bank of America is not trying to help me get the paperwork done so that I can get the fha loan modification in my name only, they expect me to get a modification with the co Barrower.! no Disclosure statement, they have had the Special Waranity Deed from my divorce attorney sence 2012. They also had the Divorce Decree, letter from the court, ,letter from the co- Barrower, Chapter XXXX Discharge papers, proof of The Barrowers Protection Plan insurance from BOA when I got the mortgage loan, and the personal protection order /restraining order against the co Barrower.
I did a dispute with XXXX on XX/XX/XXXX on a collection that was made by Collecion Bureau of America on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : Collecion Bureau of America, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX CBA Collection Bureau of Amer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account
I was served a claim/judgment form Midland funding for the amount of XXXX. I noticed this account on my credit report and have written the 3 bureaus to please validate debt. I have written the 3 bureaus several letters within the last 6 months. Now i have been served court papers without proof the debt belongs to me. Midland funding or the 3 bureaus has not sent me validation of the debt. I am making this complaint because I feel I am being sued in error with no proof. I have requested for Midland to produce any credit application signed by me, to please produce all statements from beginning to present and to produce detail regarding alleged charges by amount, type and date.
I contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be removed.
I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with Transunion when I sent them letters about the inquiries as well as phone calls . Tranunion reinserted those inquiries after they were deleted and I never received a 5 day notice about  the reinsertion. Which is a violation of the FCRA.
I have previously contacted the CFPB about repeated harassing t elephone calls from Navient. They have responded to my request to stop their calls through the CFPB. Navient responded on  XXXX /17 with the following response. " We do not have an account for you that we are able to locate, nor any record of your phone number in our system or calls to the number provided in your CFPB response. We have added your number to our do not call list. '' Navient continues to call my telephone number. Navient makes illegal harassing calls, and makes false statements to me, and the CFPB. Can any other federal agency address this issue. I can not be the only victim of Navient 's ill egal behavior.
XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX 

After reviews on consumer report we decided to try the XXXX XXXX. We investigated the website, the company boasted its 101-night risk free trial, and available financing options. It sounded like a great deal with the addition of two free pillows. So we ordered the mattress through the financing option on XX/XX/XXXX and received mattress, pillows and a tea shirt on XXXX, XXXX. 
After a few weeks it was apparent we were not sleeping very comfortable and called the company. We were informed we had to give the mattress, minimally 30 days. By the 30th day it was obvious this was not the mattress for us. I am XXXX, XXXX lbs. and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX. The mattress was too soft to support my back. 
We initiated the return process and contacted XXXX, we were instructed that the bed needed to be donated with proof by supporting documentation and to return the free pillows. The mattress was donated to a Church run food pantry / Thrift shop and the pillows and t-shirt were shipped back to XXXX, arriving on XX/XX/XXXX. The donation receipt was emailed to XXXX on XX/XX/XXXX. 
Since we had opted for the financing, we contacted Klarna with the information regarding the decision and were informed the information needed to come from XXXX. On XX/XX/XXXX we paid our first payment to Klarna. We contacted XXXX on the XXXX of XXXX inquiring on the state of the return and refund and they informed us a refund would be issued on the XXXX of XXXX. I asked for an email following up on the conversation but never received any communication. We also contacted Klarna with this information, who again said they would need that information from XXXX. 
On XX/XX/XXXX, we received a monthly statement from Klarna citing they did not receive the payment by the due date of XX/XX/XXXX, and please pay by XX/XX/XXXX to avoid any additional late fees. 
Would someone please explain how we are receiving an email issuing a refund from XXXX and receiving a statement with penalties assessed from Klarna. This has been a horrible experience. 
Klarna Account Number XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX
Person with account at XXXX XXXX XXXX XXXX cashed my check of {$110.00} for {$1100.00} by altering the amount of the check and name on the check. Blatant fraud. Check was obviously altered. Have been back and forth with my bank, Chase, and XXXX XXXX XXXX to try to recoup my money which was taken out of my account by their error. Check number XXXX which was cashed on on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I still have not been reimbursed. I have made numerous visits to both banks and am still getting the run-around.
I have contacted the Chase company several times regarding the disputed matter. They refuse to remove the charge of XXXX from XXXX off my card and continue to charge me interest. I advised them that i booked through XXXX that XXXX and allure knowingly falsified images and advertised lavish images of the hotel and described it as a fine luxury resort. The hotel had no water in the pool or spa and was under construction the restaurant and cafe were closed the rooms ac and sleep number beds broke, the place was rat and roach infested. This place is not a resort, its not even a motel it should be condemned. I had no place else to go as this was XXXX weekend could n't find another hotel to stay at last minute so we were stuck. We tried to leave but were threatened by the hotel they would charge us anyways as we had a booked agreement. Since they would not release are funds we could not leave. We could not find a hotel in range that had an opening either. Our claim is that they lured us to the hotel on false images and documentation they provided on the website. Had they disclosed the true and accurate images and lack of amenities no one would have booked a hotel here and that is exactly why allure resort continues to commit the fraud that they do. it is false advertisement.
On XXXX XXXX, 2016 I bought a e-cig tank from an online merchant XXXX XXXX for {$32.00}. I used my Visa Debit card from Arvest Bank. The tank turned out to be defective. XXXX refused to take it back or issue a refund so, I contacted ( called the XXXX number ) Arvest about doing a chargeback. I then received a letter from Arvest cancelling the chargeback. No explanation was given. So, I called Arvest again and was told to return the item back to XXXX and get proof of the return ; send the info to Arvest and they would initiate a chargeback. I did that ; sent a copy of the USPS delivery confirmation AND signature of receipt to Arvest and was told that I would have my refund in 10 business days. This was on XXXX XXXX. After waiting 10 business days and seeing no refund I again called Arvest and was told it takes 30 days and that the merchant was disputing the chargeback. After waiting 30 days and still no refund, I again called Arvest and was told it takes 60 days. 

In the meantime, I contacted the Washington State Attorney General 's Office ( because XXXX is in Washington ) and they said they would see what they could do to get my money back. Yesterday, XXXX XXXX I received an email from the Attorney General 's office and XXXX told them that 1 ) my money had already been removed from their account as of XXXX XXXX, 2016 ; 2 ) Arvest told them in the chargeback paperwork that they were not going to refund my money and 3 ) they were not disputing the chargeback. 

So, once again I called Arvest and the girl who answered the phone said she would look into it and then the phone line went dead & I had a dial tone. So I called back and was told that she was on another line and would call me back. Well, obviously that never happened. 

I just want my {$32.00} back at this point. 

I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.
Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail.
I disputed an old Child Support case that by law should have been removed 2 years ago. I called the State that established and Closed the Case in XXXX. They said that indeed the case was closed, balance zero, and they were n't reporting it to any agency. I disputed it first with Experian in XXXX XXXX. They sent me a report stating that by law this case/account would be deleted 7 years after the case was closed and paid. So, by that it should be OFF my report as of XXXX, which it is not.
Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.