WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX XXXX XXXX. On XX/XX/XXXX I have purchased XXXX XXXX Key Programmer from  XXXX website through my PayPal account. I supposed to receive it in 3-5 days but received it on XX/XX/XXXX. The item was defective and did not work. it would give all error messages. I have contacted the XXXX with complain, but they keep referring me to different websites to find support. I asked to give me their address in order to return it but they refused ( emails will be attached ). Later, I have opened a dispute with PayPal. After a while they close dispute without any explanation. I have reopened dispute. PayPal requested evidences for defective item, such as pictures and a letter from the third party indicating that the item is f defective. I have provided all requested documents ( will be attached ) but PayPal close dispute again. I have contacted the supervisor from the claim department and they keep reopening the dispute and closing during all these months. Last message I received was do not open any dispute we refuse to review your case because of not providing sufficient documents. During these time i requested a letter with explanation and what kind of documents they need but did not receive any response.
A situation has occurred that I believe disserves attention by your bureau. 
We are in the process of purchasing a home. We have paid off all of our credit cards, a car purchased for people from XXXX and XXXX of the houses. Our loan officer has asked us to obtain letters from each of the credit cards and banks showing that we have a zero balance. 
Everyone has been very helpful except for Dillard 's XXXX Credit Card. I called this morning, requesting a letter so we can close on XXXX XXXX, 2015. My husband is having XXXX on XXXX XXXX 2015 and will not be able to lift anything for several days. We want to move a trundle bed, table and chairs, and assorted items into the house so we can go and work on the house. 
We have been married 12 years, dated for XXXX and this will be the first time we will be able to live together. We are very excited to have this happen. 
Dillard 's will only mail out the letter, I need it this week. Everyone else was able to fax or email their letters within a day or two. Dillard 's employee " XXXX '' was so rude, he just kept upsetting me more and not helpful. I asked for upper management and he put me on hold for several minutes, came back to tell me that no one was available and made me so angry with his repeating to me over and over the same information. I finally had to hang up. 
So, I went to Customer Service at Dillard 's in the XXXX XXXX XXXX in XXXX, Colorado. Asked to speak with the store manager and was told she was at lunch. They took my information and said she would call someone when she returned and then call me. I have not heard from her and it 's been two and ahalf hours. 
I have a Dillard 's XXXX card. So, while waiting I called XXXX XXXX to see if they could help. We spend several XXXX dollars with XXXX XXXX each month. We are impressed with their servcies, they are wonderful when you have an issue on a purchase. They inform me that they do n't have anything to do with Dillard 's XXXX, I think that is false advertising. Why put XXXX XXXX on the card if you ca n't access your account and then the payments are handled through Wells Fargo Bank. What a fiasco! 
I should be able to have my credit information available immediately from Dillard 's. Having to wait ten days for the letter that I have zero balance, considering the day and age we live is absurd. They are going to cause us time and money, we will have to pay for someone to help move these items, We are in our sixties and I can not lift the beds by myself. 
Whatever happened to people helping others, why ca n't this company be like everyone else and email or fax this letter to me or my loan officer? 
I really doubt that XXXX '' even sent in the request for the letter, I have no faith in anyone at Dillard 's.
Capital one has a hard pull on my credit score i never approved i closed out a capital one card i had 6 months ago i never applied for another car Please remove
There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.
I have a corporate bank account with Citibank. Citibank has sent me an email in which it is asking for my confidential information ( personal financial details, date of birth, country of citizenship ) to be submitted to Citibank via email. I have no issue with providing this information. However, Citibank should know that it is not safe to provide this information over email. Such information should be submitted only via a secure website. Citibank should not encourage consumers to send confidential information over email as it is widely known that this is not secure.
I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against MANDARICH LAW GROUP with the Federal Trade Commission, the Attorney General of both MANDARICH LAW GROUP /CAH LLC state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
I was evicted from my XXXX XXXX XXXX in XXXX XXXX in XXXX of 2013. I was not contacted by the apartment staff for payment of fees incurring because of eviction. I received a call from Hunter Warfield Collections Agency about XXXX weeks later. Hunter Warfield stated I owed them a {$2500.00} payment which was debt sold to them from XXXX XXXX XXXX. I immediately asked for written notification and an itemized bill. They agreed to send the information. I never received written notification or an itemized bill. I followed up with the apartment complex to find out exactly what was going on. The apartment complex said they notified me via mail. They sent the notification letter to the address I was evicted from so I had no way of receiving the mail. Also, I had all mail forwarded to my new address in XXXX XXXX. I did not receive any written notification from either party with a description of the fees I owed. The debt has since negatively affected my credit rating. I have still not received any written information from the credit agency or the apartment complex.
Experian has not updated my report as requested. XXXX XXXX XXXX is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
Chase has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the 30-day period. I disputed this account sending certified with return receipt in which Chase rec eived and signed on  XXXX   XXXX  by  XXXX   XXXX  in which  Chase  did n't respond to my letter in a timely manner that was dated  XXXX   XXXX  which is another violation of Federal and state law and they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Keep in mind I also have time stamped copies of my credit report showing proof of the violations. I lived with an aunt that had the same exact name as myself so I also requested copies of a contract bearing my signature.  Chase  send on  XXXX  of   XXXX   copies of printouts of bills and itemized documents, which does not constitute verification as per FTC opinion letter from Attorney  XXXX   XXXX   XXXX .
On XXXX XXXX, 2015 I purchased a Moneygram money order in the amount of {$250.00} [ Check No. XXXX ] for {$.00}. 

The Payee was not paid for failure to render Service ; therefore I ( " Purchaser '' ) requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 I purchased XXXX Moneygrams money orders in the amount of {$200.00} [ Check No. ( s ) [ XXXX and XXXX ] for {$1.00}. 

The Payee was not paid for failure to render Service : therefore Purchaser requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 Purchaser complete and filed a request for return of funds by mailing the " Claim-card '' as suggested on XXXX phone instructions and prompts. 

On XXXX XXXX, 2015 Moneygram returned Purchasers " Claim-card '' request for failure to sign signature card. On XXXX XXXX, 2015 XXXX signed XXXX claim-cards and re-mailed to Moneygram on the same day. 

On XXXX XXXX, 2015 Moneygram mailed a Money Order No. XXXX in the amount of {$230.00} for the purchased money order [ Check No. XXXX ] for {$250.00} ; Moneygram profited a Fee of {$15.00}. 

On XXXX XXXX, 2015 Purchaser attempted to cash the check at Wal-Mart, and was charged an additional undisclosed fee of {$3.00} for returning money from [ Check No. XXXX ]. Total fees {$19.00}. 

On XXXX XXXX, 2015 Purchaser has made several attempts to call Moneygram, making inquiry to XXXX unaccounted for money-orders. Purchaser spoke with a rep- who identified herself a " XXXX '' approx. XXXX XXXX PCT. Upon further inquiry, XXXX XXXX disconnected the phone. 

Purchaser returned call back to Moneygram at XXXX XXXX PCT, whereas she spoke with a rep- who identified himself as " XXXX ''. Purchaser requested to speak with a Manager ; however, XXXX proceed to ask multiple unrelated questions which were intrusive and evasive to the issue of missing money-orders. XXXX then place Purchaser on hold for XXXX minutes before disconnecting the line. 

Purchaser returned a third call at XXXX XXXX whereas a rep- identified herself as " XXXX '' who explained that, " Fees are charged for processing paper refunds with XXXX XXXX XXXX . '' Rep- stated, " Did you read your contract, where we charge to process your refund? " Purchaser has XXXX issues ; for XXXX Check Processing1. I paid for the paper Money-Order [ FEE XXXX XXXX cents ] 2. I must pay for a [ XXXX FEE {$15.00} ] to receive refund? 
3. I must pay a [ THIRD FEE ] to cash the Cashiers Check? 

MAJOR ISSUE1. Moneygram / XXXX have FAILED to return moneyRep ( s ) have made FALSE CLAIMS that my address was not in system. 

IMPOSSIBLE! First Check was mailed to P.O. Box which was provided in writing as RETURN MAIL ADDRESS. 

After reviewing the Online Complaints with this Company, there is an ongoing issue with the Accounting and Employees. " XXXX '' was arrogantly confident to tell Consumer/Purchaser, " Do what you have to do ... we only process the paper. " GREAT CUSTOMER SERVICE. I 'm out {$400.00} USD! REALLY?
I had a line of credit with HSBC way back XX/XX/XXXX. Last XX/XX/XXXX, I went to HSBC 's XXXX XXXX XXXX ( XXXX XXXX ) to close this account. After a few months, I just realized that the account was not closed. I DID NOT receive any form of notification ( email, letter, phone call ). Not knowing about this account still open and just knew about the balance, I immediately paid HSBC. This company not closing the account and not letting me know had caused my credit rating to drop! I called HSBC last XX/XX/XXXX and also went back to the branch last XX/XX/XXXX to resolve this issue but HSBC refused to help. 
If I only knew about the balance. If only I was notified, and if only this account was closed the day I requested them to close it, then I would n't have this conundrum. When I went to the HSBC branch in XXXX XXXX XX/XX/XXXX, they realized that they have an incorrect email address. I would have paid whatever balance is owing in a heartbeat if I was notified. I 've had HSBC since XX/XX/XXXX and had two accounts with them, a revolving account and a line of credit. I never imagine myself ever having this issue and being financially affected by a company I 've had an account with for more or less TEN YEARS!
Key bank is claiming to have an account in my name owing money, Ive tried to explain this was not my account and gave the the police report number for ID theft and they still reported it to XXXX XXXX XXXX. Now I can not even open an account and this needs fixed ASAP.
A charge of XXXX from XXXX was charged to my USAA visa XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. This was to oay the XXXX and {$100.00} toward a balance transfer that is not currently accruing interest. I was charged interest om the XXXX for XXXX and XXXX. USAA denied my right to pay this interest bearimg charge, and claims that I was unable to pay this until the XXXX statement, when I spoke with them today, XX/XX/XXXX. I believe this is an unfair practice. I should be allowed to pay interest bearing purchases as soon as they are charged to my account.
Getting repeated calls from Dynamic Recovery Services on my cell and landline ( unlisted, unpublished number ). I owe no debts except a current mortgage.
I have a Hard Inquiry I never authorize. My score drop nearly 50 points. Please have it removed and restore my credit.
My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?
On XXXX/XXXX/XXXX I purchased an used XXXX Chervolet Cruze from XXXX XXXX XXXX. The dealership took advantage of the situation by quoting me a rate but putting another on the contract and hurrying me so sign it because it was time to close. They gave me no opportunity to review my contract thoroughly otherwise I would n't have signed it since it did n't state the terms we had agreed upon. Now, more than a year later I started realizing the principal balance on my loan was not getting any lower. I contacted the lender US Bank for a copy of it so I could finally review it. Upon reviewing it I come to find out I have been paying 7.99 % interest rate when I was quoted a 4.9 % at the dealership. I immediately contacted US Bank by phone and spoke to XXXX who was beyond rude, nasty and unprofessional. She repeadly verbally abused me and screamed at me on the phone, saying I was n't understanding what a loan was. I asked her more than 5 times where in the loan said that I had to pay extra interest if my payment was late, because on the truth in lending disclosures states the amount you will pay for the life of the loan. US bank should be proud because they have a employees who are trained to defend their unethical and unacceptable business practices. I feel offended by the way I was treated and by the way US Bank is draining every penny in my pocket with those outrageous fees that they do n't tell you about. While on the phone with XXXX I asked her to provide me with the disclosures that states I would be liable for any extra interest rate if my payments are late aside from the XXXX % late fee they charge, and she never answered by question constantly atacking me saying I did n't know what a loan was.
I have contacted both Equifax and XXXX  regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months ofXX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
I lost the credit card for XXXX. as soon as I noticed that my card was missing I called the creditor : XXXX. I live now in Tennessee for 2 years. my card was used in Tennessee and was used in Florida. I reported this to the creditor and they just told me I was responsible for this. I kept calling them and they did not want to help me. All these charges were fraud. I could not lie or try to hurt my credit this way. I am really upset about this matter. I am a hard worker I don't intend to commit fraud or lie to anyone. Please help me. I can not pay for a debt that is not mine.
Coinbase I opened an account with Coinbase in the fall of XX/XX/XXXX. In XX/XX/XXXX, Coinbase initiated 2FA for account access, but I was not advised in time and I lost access to the account. I opened a second account and asked them to transfer any residual funds to the second account, which never happened. 

In XX/XX/XXXX I was informed by Coinbase that my account was being terminated without explanation or cause. There was a small residual amount of funds left in that account as well. 

However, the value of bitcoin has risen far higher since that time. What was worth less than {$10.00} is now worth several hundred dollars. I have contacted Coinbase twice about getting the funds returned to me, and their was response was " We have no record of you ''. 

This is nonsense. Under XXXX rules, I was required to submit an enormous amount of information about myself, including email address, physical address, social security number, bank account information, a scan of my drivers license, and more. 

Coinbase should be able to easily identify me and my accounts, and return any funds left in them. To claim that they have no ability to identify me or locate my account records can only be viewed as fraudulent. 

I have no paper records to provide, because getting the information, such as account numbers etc. would require accessing the accounts, which Coinbase has locked me out of. No bank can legally operate in this manner.
The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2018 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts, inquiries and public record bankruptcies. On XX/XX/2018 Equifax sent me a letter explaining their investigation process, which basically stated that they verify information electronically and uses a third-party vendor named XXXX to validate public record items such as judgments, tax liens, and bankruptcies. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2018 I received the results back from Equifax in which they claimed to have verified all of the items I disputed. On page 3 of the  dispute result letter, Equifax explained that they verified all 4 public record bankruptcies from XXXX. This is where Equifax gets caught in their lie and breaks the law at the same time. I mailed a letter to XXXX requesting that they place a security freeze on my XXXX file. They mailed a letter back stating as of XX/XX/2018, a security freeze has been placed on my file and this would prevent XXXX from releasing my XXXX reports. So even if Equifax didn't want to follow the law mandated by the ( FTC ) and verify all information from the original date furnisher, which in this case is the U.S BANKRUPTCY COURTHOUSE. They lied and said they verified the bankruptcy through XXXX, which is impossible because my file was frozen as of XX/XX/2018. I disputed these bankruptcies along with other items on XX/XX/2018. This clearly shows my file with XXXX was frozen for 19 days before my dispute with Equifax on XX/XX/2018. In addition, Equifax verified all of the items past the 30 days allowed by law. So, all of the items I disputed must be deleted. I will upload the dispute letter I sent to Equifax, along with the items I disputed, the letter from XXXX and the dispute results Equifax mailed back. 

I ask that the CFPB assist me in this matter because I need a higher source to mandate the law.
I attended XXXX in XX/XX/2009 I believe and was told if the money is used for school I will not have to repay. I only received one check for {$1100.00} the rest the school kept. I only applied for grants as well & I did n't think those had to be paid back. As far as XXXX College online, I was told the cost of my schooling would be {$9000.00}, I never once received a check from them, I applied for student grants and was approved, so I am not sure why my student loans are so high. Please help me understand. This has gone on entirely too long. They are taking advantage of less fortunate individuals and it is not right. I just want to be able to provide for my family as everyone else does. Being on welfare is not an option and I do n't want my family to think that is the only way to survive either. Justice needs to be present for all individuals no matter the race.
This account is not mine. I did not own this account. This is from XXXX XXXX.
On XX/XX/XXXX, I mailed XXXX XXXX  a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX  processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.