WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing in regards to your response to our complaint ( XXXX ) with  Consumer Financial Protection Bureau ( CFPB ). I refuse your decision on the fraud as I will not be held liable for documentation with forged signatures. Please see attached detailed correspondence.
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka XXXX XXXX XXXX
I contacted XXXX XXXX to request internet service at my residence. Prior to receiving service, I discovered that I already had internet available at my home, so I called to cancel with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. The person I spoke to said she could n't cancel because the account had not been established yet. Soon I began receiving bills in the mail from XXXX XXXX. Somehow in this process two accounts were established for my same address and only one was cancelled after may call ( I did not discover this fact until a talking with XXXX at XXXX XXXX on XX/XX/XXXX ). I later spoke with XXXX on XX/XX/XXXX after receiving another bill and she assured me that my account had been cancelled. When I continued receiving bills from XXXX XXXX for varying amounts, I began calling again. On XX/XX/XXXX I emailed my complaint to XXXX XXXX and was told to contact the Retention Department. On that same day I talked with XXXX at the Retention Department. I was told the issue was solved on her end but to wait for an email from Collections confirming the account was cancelled ; I never received the email. I then received a collections letter dated XX/XX/XXXX for a " Balance due : {$160.00} '' After consulting the Better Business Bureau website, I was directed to a telephone number supposedly for XXXX XXXX XXXX " Executive Escalation Team. '' I called the telephone number listed on the BBB website on XX/XX/XXXX. It was their normal business phone requiring extensive hold time to make contact with someone who could help. I finally reached a supervisor who told me that my account was with the " Legacy Division '' and they transferred me to a non-USA office where I talked with XXXX, who found no reference to my complaint but told me she had made a billing correction and that I should receive confirmation of her actions from XXXX XXXX Collections in 3-5 business days - I never received confirmation. I then contacted XXXX on XX/XX/XXXX at XXXX and she discovered that two accounts had been made in my name. She told me that she was able make an adjustment to resolve the two-account issue. On the same day I also called and talked to XXXX XXXX at the collections agency and was told that he would " escalate '' my call to notify XXXX XXXX of my dispute and that I would receive a response back from the collections agency regarding XXXX XXXX reason for the bill. I have yet to see a response.
Transunion is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}
I 've sent multiple request for removal of fraudulent information on report.
There 's   XXXX   items that are still reporting when they 're not.
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  XXXX   XXXX     XXXX   XXXX       XXXX   XXXX   I 've sent my identity theft affidavit and police reports multiple times as stated earlier.
In my using the XXXX  phone app ( that is attached to my Chase Credit Card ) to purchase a {$24.00} ticket from XXXX XXXX, the app bought a {$24.00} gift card from XXXX XXXX I telephoned Chase Credit Card and was told to file a complaint with XXXX. To wit : ( for details see attachment ) Re : XXXX Sirs : On XXXX2018 the XXXX app made an error by purchasing a giftcard of XXXX XXXX in the amount of {$24.00} The intended purchase was from XXXX XXXX  for {$24.00}, which purchase was completed moments later.

As the XXXX XXXX charge was an error, Please Credit my Chase CCard account - ending in -XXXX - for the erroneous {$24.00} charge.

Yours, XXXX I have not heard back from XXXX about this complaint/dispute.

I filled out a complete online dispute form on the Chase Credit Card website and when I submitted it I got the return message, " Page Not Available ''.

I re-telephoned Chase Credit Card and spoke with three agents, ending with XXXX XXXX   supervisor in the dispute department, who told me she and Chase Credit Card could not reverse the erroneous charge.

Companies involved : XXXX XXXX XXXX XXXX ; XXXX  phone app ; Chase Bank Credit Card.

Please Advise
I took out a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX and made regular payments up until XX/XX/XXXX. At that time I enrolled with a debt consolidation company to attempt to resolve/combine my bills into 1 monthly payment. XXXX XXXX XXXX XXXX was contacted by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX, after other debts were paid off, to negotiate a settlement on this debt and XXXX agreed to a lessor amount than the original loan amount. My credit report is showing the status of this loan was a 'Charge Off '. This is not correct, as they are receiving payment each month against the debt. They agreed to the lessor amount so should not show as a charge off.
Due to an unfortunate change in my financial circumstances, I was forced to pursue a short sale of my home. This process began in XX/XX/XXXX. After several months, I was able to obtain approval for the sale from my XXXX lender ( XXXX and XXXX ) in XX/XX/XXXX. I was also finally able to obtain an approval letter from my XXXX lender, Suntrust, on XX/XX/XXXX ( attached ). Right before my closing, my buyer backed out of the sale because of a serious illness in his family. The home was re-listed on XX/XX/XXXX and a new contract was reached with another buyer on XX/XX/XXXX. Almost immediately, I was able to substitute the new buyer and HUD-1 for the old XXXX with the XXXX lender, who was using XXXX to handle the approval. XXXX sent me a new approval letter on XX/XX/XXXX ( attached ) approving the sale, and REQUIRING A CLOSING NO LATER THAN XX/XX/XXXX. Unfortunately, my XXXX lender, Suntrust, determined that the change in buyers amounted to an " all new '' short sale application. I had to provide them with a completely new application form, financial records, tax returns, and more, despite the fact that they had approved the identical transaction on XX/XX/XXXX. Since that time, Suntrust has continually " lost '' documents that have been sent to them, or advised me on XXXX day that XXXX of the pages of the XXXX Uniform Borrower 's Assistance Form had become " hard to read '' or was n't dark enough, and that I needed to resend it, only to tell me the next day that a different line of the same page needed to be darkened. I have sent the XXXX UBA Form to Suntrust, without exaggeration, XXXX times in the past week, and I have talked to them every single day since XXXX XXXX. I have sent them the XXXX approval letter requiring a closing by XX/XX/XXXX on at least XXXX occasions. Each time that I have sent documents to them, I have been told that it will take " XXXX hours '' for them to scan the documents into their system, THEN determine if the documents are " sufficient '' and only THEN will they begin a " XXXX day review '' period. I have been dealing with XXXX XXXX ( XXXXXXXXXXXX, XXXX ) who is very nice but who appears helpless to assist me, despite his appeals to unnamed supervisors. I do not know if what Suntrust is doing is intentional or simply grossly incompetent, but I and XXXX agree that it is unacceptable treatment of a distressed homeowner, particularly when Suntrust itself previously approved this identical short sale on XX/XX/XXXX. If Suntrust 's continued delays push my closing past the XX/XX/XXXX deadline set by XXXX, I have been told by XXXX that it will have to resubmit everything to XXXX, which could delay or even destroy my short sale. This entire process has been incredibly stressful and financially damaging to me, and Suntrust 's actions/inactions have made the situation markedly worse rather than better.
Original complaint is XXXX. I responded to that complaint with my rejection of Bank of America 's Regulatory Specialist, XXXX response. But more recently I received his letter that states there is no evidence to support my claim of customer neglect and abuse. However, in our live phone call he stated the opposite to me, ie. that they had in fact uncovered customer service habits and practices that need improvement.When I asked him how the improvements were going to be made, and what exactly they uncovered, he stated that that was proprietary information so in fact he TWICE acknowledged that there are issues. He also stated that this determination would be in his letter to me but in fact it is not. I want to document these deliberate inconsistencies as attempts to cover up facts. I did in fact experience poor customer service, as well as possible age discrimination because XXXX loan officers, over the phone, and over the course of an entire year, rejected my requests for information regarding refinancing by stating I was ineligible. Mr XXXX, the Regulatory representative, conversely told me over the phone that there are other programs for which I could apply. He then proceeded to attempt to blame me for not pursuing an application! I asked him why I would do that when I was advised by XXXX loan officers that I basically would be wasting my time. I want this update to go to Bank of America relevant employees, including Mr. XXXX.
I re-applied for my IBR plan on with Nelnet on XX/XX/XXXX. I contacted their customer support team on XX/XX/XXXX and spoke with XXXX. She confirmed that my application had been received but the processing was pending on it. She advised me that no further action was required, especially since my due date was not until XX/XX/XXXX. Now that it is XX/XX/XXXX, Nelnet confirms that the application was received, but they did not process it. As a result, they capitalized my accrued interest and told me to start a new IBR application. I believe they are at fault for not processing my application and that the interest should not have been capitalized.
i had call wells fargo bank back when i get hurt at my job  XX/XX/XXXX  but i call around  XXXX / XXXX / XXXX  to tell i get hurt on the job if i can have a do payment plan bacause i was work 's comp i could n't paid the full payment they said i could n't do have payment plan i told i would what give sent   XXXX   or money i had Then start they never sent me letter until resent harassment me by leaving note on door later at nigh  XXXX    XX/XX/XXXX  and    XX/XX/XXXX  then call wells fargo talk to   XXXX   XXXX   she rude to me then said she did n't care what kind of problem or injury i had to paid my credit card that 's my problem i tell have do n't have job that i was injury she said you get to paid it that 's your problem!!! I told them i try work out payment plan they didnt want when i call first time i get hurt Now they come to my house some person give me letter  XX/XX/XXXX  saying the letter sued me for defendants accessed the line of credit not paid case number  XXXX  which have paid  XXXX  when extra money now they are taken me to court i am still work 's comp i lost my sister  XXXX  ago i help paid for funeral then mother before my sister i i had the money i would my bills do n't money i did n't job i am injury i lost everything!!! My another credit card i sent what i can Please let me know what they said My email is  XXXX  XXXX  XXXX  Thank You for please me  XXXX   XXXX   XXXX
My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.
My mother sent me {$50.00} from XXXX, MI, I went to pick it up at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.The attendant behind the counter said that Western Union is requesting my Full SSN and that he could not complete the transaction until he had it. I know this is not correct, but he was holding my money hostage until he had my SSN. I 'm contacting your agency because I think that the store or Western Union is doing something illegal in this practice. The store also charged me an extra dollar before they gave me money. I called Western Union, but have not heard anything as of this complaint. Could you please find out why western Union or the store needed my Full SSN, and please help me get my dollar back. I 'm attaching a copy of the receipt from the store, thanks so much for your time, XXXX XXXX XXXX.
Hello, I am writing in regards to an old credit card account I had with Bank of America. I held a credit card with BOA which was opened in XXXX of XXXX, then closed in XXXX of XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter 7 bankruptcy on XXXX XXXX, XXXX. The account was closed and I received a discharge in bankruptcy on XXXX/XXXX/XXXX. 
This account was included in the chapter 7, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter 7 discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the BOA acct were XXXX. I have done very well since my chapter 7 and have a 100 % payment history. 
This account is still being listed in my XXXX XXXXnd my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to BOA directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, BOA has reported on this account as recently as XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with BOA so I am not sure how to get this error removed. 

Thank you XXXX XXXX
Contacted " XXXX '' for the purchase of a puppy golden retriever " XXXX ''. The charge was {$550.00} and there were text messages back and forth, transferred money via XXXX, and " XXXX '' disappeared the website went down. I filed a police report in XXXX XXXX County, and went to Wells Fargo with said police report, they said they could not help. Went to XXXX XXXX XXXX and they too said they could not help. I lost {$550.00} and no one is able to help with this fraud.
Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed
Sent letter certified to company they didnt reply back at all. Company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Letter sent certified on XX/XX/2018 current date XX/XX/2018. tracking number XXXX us postal service
I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.
Your agencys failure to rebut, address, answer or respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX and Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created a Summary judgment. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Summary judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created this Final judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!
I was charged by XXXX XXXX XXXX XXXX XXXX XXXX for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX XXXX ( 1= {$990.00} ; 2= {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing XXXX simply kept sending duplicate copies of their bills. Eventually they turned XXXX billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first XXXX billing only. I still have absolutely no idea what " services '' these people performed during either one of my XXXX visits that would substantiate these charges ( that are over and above what the hospital XXXX charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported XXXX of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
On XX/XX/2018 I was charged XXXX by XXXX I called Citibank to tell them that the charge was fraudulent and did not receive the product as it was described. I was told that I would receive conditional credit. However, I just received a letter from Citibank stating that that my conditional credit to my account is being rebilled and any related fees and interest charges will be added. I stated to Citibank that I did not receive the items and they were described and did not agree with the charge on my credit card. Now on a letter dated XX/XX/2018 my credit card is being rebilled. This is not fair to me the consumer when goods and services were not delivered.
First of all I requested a copy of my report from you you gave me a username and a password which I have attempted to type in five times and each time it tells me it 's wrong there 's no way I made a mistake 5 times in a row the report is beyond inaccurate I mean most of it is wrong I have no idea where you 're getting your information.
First of all you list a lot of different addresses most of them I have never lived at the only address that is correct is the one that you sent the copy of my report to XXXX XXXX XXXX XXXX XXXX Michigan XXXX never lived in any of those other addresses you have my date of birth wrong my date of birth is XXXX/XXXX/XXXX phone numbers none of these phone numbers belong to me my phone number is XXXX XXXX names you have listed XXXX that 's a nickname and not my legal name and not what I use for any type of credit card my legal name is XXXX XXXX XXXX. 

I was a victim of identity theft all other the other three major credit bureaus do n't have any of these negative accounts listed all of this has been resolved quite some time ago your company is very much out of the loop 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 XXXX XXXX XXXX XXXX XXXX XXXX None of the accounts listed above belong to me some of them I 've never seen in my life others as I alluded to before were part of the identity-theft that have been removed from everybody else 's report not sure why you still have them and then there was the accounts in good standing which the information is not correct you do n't have payment information or credit lines are so many mistakes on this report it 's unbelievable