WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/XXXX MY FRIEND AND I CALLED DISCOVER AT XXXX-XXXX-XXXX-XXXX. WE WERE TRANSFERED 3 TIMES, AND ON THE PHONE FOR OVER AN HOUR BEFORE WE FINALLY GOT SOMEONE WHO COULD HELP US. HER NAME WAS XXXX. SHE WAS EXTREMLY RUDE, AND VERY NASTY. I EXPLAINED THAT DUE TO MY HEALTH ISSUES I HAVE TO HAVE MY FRIEND ON WITH ME, BECAUSE I HAVE XXXX, AND CAN NOT ALWAYS REMEMBER EVERYTHING. WE THEN EXPLAINED THAT AFTER REVIEWING MY INFO I FOUND A CHARGE I DID NOT AUTHORIZE ON XX/XX/XXXX DONE BY XXXX  SALES FOR {$2600.00}. SHE THEN SAID SOME THINGS THAT IM SORRY BUT ARE NOT OK TO SAY TO ANYONE! SHE SAID WELL IF I HAVE XXXX THAN HOW WOULD I KNOW IF I MADE THE CHARGE. SHE THEN SAID THAT THIS IS PEOPLES PATTERN WHEN THEY DONT WANT TO PAY FOR A CHARGE! SHE MADE IT SEEM LIKE I WAS USING MY SICKNESS TO GET OUT OF PAYING FOR SOMETHING WHEN I ALREADY PAID IT OFF. SHE THEN SAID THE ONLY WAY SHE WOULD HELP ME IS IF I FILE A POLICE REPORT! I TRIED TO EXPLAIN THAT I AM IN MY XXXX AND SICK, AND MY HUSBAND IS IN HIS XXXX AND HAS XXXX. IM SORRY BUT THE WAY SHE TREATED ME IS NOT PROFESSIONAL AND I FEEL SOMETHING SHOULD BE DONE ABOUT IT.
Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.
XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.
Complaint is that New York Community Bank is NOT reporting mortgage payment information on XXXX mortgage holder, XXXX XXXX, CRA record and IS on the XXXX mortgage holder, XXXX XXXX, CRA record affecting XXXX mortgage holder credit rating since bankruptcy in 2007. NYCB has been notified repeatedly by USPS mail, certified email, email, phone, and attorney representative to correct this oversight to add payment history of mortgage status to XXXX XXXX 's CRA records. XXXX XXXX is an XXXX XXXX woman. XXXX XXXX is a XXXX XXXX woman. We have asked NYCB several times over several months to correct the information on XXXX XXXX 's CRA report. They acknowledge the submission of a reaffirmation agreement with NYCB, however, claims that the reaffirmation agreement was not filed with the court system, even though signed by the bank 's representative AND even though they have continued to submit a bill, have been paid continuously on time and have continuously reported good standing for XXXX XXXX on her CRA reports.
I found some fraudulent charges on my Wells Fargo statement and went into the bank for help. My banker told me to go home and look at all of my statements for any other discrepancies and come back. I found over {$1000.00} of unrecognized/unauthorized charges going back about one year. I highlighted the questionable charges and went back to the bank. The banker then told me to go home and call these companies and try to get resolution. I went home and called the legit companies such as XXXX and XXXX. The other companies had no number to contact them.I went back into the bank and the banker also tried to locate the companies by online search, to no avail. He called the fraud department and helped me submit a claim. I was refunded {$120.00} and never heard back from fraud department regarding the remaining charges. I called today and was told by XXXX in XXXX department they refunded the {$120.00} but aren't even going to look into other claims because they are more than 60 days old. My banker never said there was a time limit and encouraged me to research this. This is not the first time I have had either fraudulent charges or attempts to charge against my account that was stopped. One of the fraud charges I was told they were coming in " through the back door '' of the bank. I am not sure what that means
I had a mortgage loan with XXXX ( Account number XXXX ) The first delinquency on this loan was in XX/XX/XXXX. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/XXXX. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file inXX/XX/XXXXdue to federal obsolescence guidelines. I disputed it and it remained.
I received a call from USBANK stating that the free Overdraft protection is not active on my account and they asked me if I want it activate, so I said yes ending the conversation with that. After, a couple of days I check my account and USBANK has made hard credit inquiry and have opened a new credit card without my permission. 
First of all they never told me that they are opening a new credit card They did not tell me, they were going to do a hard credit inquiry They did n't affirm my identity upon calling my phone number. 
I have also the recording of the conversation that I had with the USBank representative, where all I said was yes to overdraft protection.
I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing.
Yesterday XX/XX/18 I was utterly humiliated. XXXX at Secured Resolution ( XXXX ) called by office. 
Due to the nature of my employment I am a XXXX  and answered by phone call on speaker phone where I was XXXX an employee on how to handle XXXX XXXX. 
XXXX asked for me by name. I intentionally didnt not confirm by name but instead I asked who was calling. At this point I kept the phone on speaker phone thinking this call might have been a contractor calling that needed to be transferred to another department. 
XXXX then proceeded to tell me that I have an open bill and with XXXX XXXX. Now my entire office knows I am in debt and since the XXXX XXXX is a very popular XXXX XXXX by entire office knows I was pursuing XXXX XXXX. This is something deeply personal to me and that I did not want shared. It was so embarrassing. 
I quickly asked XXXX to call me on personal phone ( which should have been attempted first ). I confirmed my personal telephone number then XXXX continued to the mini Miranda. I had to hand up the phone on XXXX because I was at work doing by job. The Mini Miranda is supposed to be said before disclosing information. 
TO be honest I probably have a lawsuit on my hand : 1. I did not confirm who I am before Secured Resolution disclosed I have a debt 2. My personal number was not attempted before my work line 3. Personal information was divulged before giving the mini Miranda 4. Even after I told XXXX that he will have to call me on personal number he still persisted to continue disclosing 5. And if I had to guess XXXX did not remove my work number 6. Now Im in a very uncomfortable situation in my place of work due to the nature of this debt being disclosed.

What I would like to see : 1. My work telephone number removed 2. The employee need to be removed from his position or put through a training program 3. I should receive an apology letter 4. As an apology I believe Secured Resolution should take of these debt
This company harassed my neighbor for me to call them back. No idea who they are and when I tried to call and get information, they wanted my Social Security number. I asked what kind of company they are and they wouldnt even say that. Hung up and blocked numbers after that. Im guessing some type of harassing debt collector. They did not attempt to call me directly and told my neighbor that she is my contact person, which is false since I dont even know her number or last name. 

They called from 2 separate numbers and she blocked them on her phone. 

XXXX XXXX
I am complaining against American Express ' ( AMEX ) " dispute transaction '' service. 

I ordered some draperies from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX with 3 weeks lead time. XXXX charged the full amount to my AMEX account but did not provide any refund policy or warranty documents. 3 weeks late, on XXXX/XXXX/XXXX XXXX delivered the wrong specification. I disputed the transaction ( $ XXXX+ ) via AMEX . AMEX was fully informed the product was incorrect and I had provided a photo and document evidence but went ahead and paid XXXX. 

I also contacted XXXX directly on XX/XX/XXXX. The woman whom I dealt with came to my house on XX/XX/XXXX, tried to persuade us to accept the product, AND suggested that we hold on to the product for XXXX weeks to see " if we could live with it '', and if it did not work, we would receive full refund. 2 weeks later, on XX/XX/XXXX, I emailed her and requested to receive our full refund. Since then, they have refused to issue the promised full refund. 

After I launched the first and subsequent disputes, XXXX provided AMEX with bogus documents and testimonials from their workers/subcontractors. AMEX has rejected me a total 6-7 times ( this process has taken me 8 months ) without providing valid reasons or direct contacts to the dispute team. I had to re-explain my case and complaints EACH and EVERY time I call AMEX customer service. This was not only time consuming but also emotionally stressful. Finally, on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( AMEX Executive Customer Care Office ) after I called and complained to AMEX NY HQ on XX/XX/XXXX. However XXXX XXXX unsympathetically said XXXX is their customer and they will not impose the refund because the express warranty is not written down. She also reiterated what the customer service agents had told me many times that AMEX does not really offer a dispute service, and that they merely relay messages to and fro between the merchants and the consumers. This service is completely mis-represented. I was reassured each time I called that AMEX will get my money back. Now 8 months have elapsed I am still to find out if this time wasted has any effect on the standing of my case if I were to purse other avenues. XXXX XXXX also reminded me that per the Cardholder agreement, the {$5000.00} is now my responsibility. 

So not only did I not get my product on time, or on specification, I also owe AMEX XXXX dollars. AMEX will accept XXXX ' bogus documents and deceitful business practice but not my honest words. They have taken me around and around a dispute process 6 times, only to tell me there is no such thing.
Seterus will not send monthly statements after my bankruptcy even after verbal and written requests from myself and my attorney.
I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to Trans Union - XXXX and XXXX be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, XXXX file case # XXXX, and Equifax confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Equifax shows a credit card account which is not mine. The account shown by Equifax is : XXXX XXXX XXXX, reported as opened XX/XX/2012, and with a current balance of {$10000.00}. 

I have never had, nor been associated with, a credit card account from XXXX XXXX XXXX opened on XX/XX/2012. Despite numerous calls to Equifax, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.
US bank XXXX XXXX 2017 I thought this was resolved I paid this balance off
Dear CFPB, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, MI, XXXX is apparently helping XXXX with a retaliation scheme against customers who terminate service. Its been in the news that XXXX is hitting people 's credit scores when they close an account. 

XXXXI had a similar experience, when I moved, I terminated on one service, but then started XXXX XXXX at my new home. They claimed that I owed {$140.00}, but I never got a bill. ( I continued my cell and internet service with them, its not as if they did n't know where to reach me. ) I have called Diversified twice, and the last time they refused to validate the debt. 

XXXX has destroyed my credit over a {$140.00} bill, and wasted hours of my time. their technique is to leave you on hold, then shuttle you between departments. XXXX XXXX services department sends you to Diversified, then Diversified sends you back to XXXX, over and over. All in an attempt to shake down petty change out of your pocket. 

Please bust these XXXX.
I applied for a job with  XXXX  on  XXXX / XXXX / 17   to drive my  own vehicle.  XXXX  submitted my social security number along with a car loan application to a leasing company named  XXXX   XXXX   XXXX  that they are affiliated with on  XXXX / XXXX /   2017  without my consent. This company pulled a copy of my credit file and they are refusing to remove this inquiry with Transunion credit reporting agency. I have called  XXXX   XXXX  the representative told me to call Transunion and she was rude and did not offer me any assistance. I called Transunion and they will not remove the inquiry and they told me that I need to contact the company that pulled my credit file. I spoke with   XXXX   and they stated that  XXXX   XXXX  can pull my credit if  XXXX  allows it. I have attached that correspondence as proof.
This is the complaint I had lodged on XXXX/XXXX/XXXX : I spent {$25000.00} using my American Express XXXX XXXX card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my XXXX XXXX account and reported to XXXX the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my XXXX XXXX account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. XXXX asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. 
American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side. 
The company responded on XXXX/XXXX/XXXX stating the miles has been credited to my XXXX account in XXXX, XXXX, and XXXX respectively. However, the miles do n't reflect in my XXXX account. Nor does it reflect the dollars spent on the American Express XXXX XXXX XXXX on XXXX side. As I have stated earlier, there is a system problem in transmitting the information to XXXX. The earnings show on my XXXX statement. But, it does n't reflect in my XXXX account. I have talked to XXXX and it has n't received these transactions from XXXX. The problem is XXXX ca n't handle issues and it is feeding misinformation to the consumers. I have attached skymiles statement from XXXX XXXX to XXXX XXXX, XXXX for record.
After researching this issue, I have found that this practice is a LEGAL practice. However, I am submitting my complaint, because it is not an ETHICAL practice.
I received a refund check from two different places. One is from my XXXX XXXX XXXX XXXX University for {$3600.00} and one refund from XXXX XXXX XXXX XXXX for {$10.00}. 
XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX However, both checks were issued by Bank of America. I went to my local Bank of America to cash the checks. ( I wanted to cash the checks because, I do not have a bank account, only a prepaid card ). Thus, I would have to cash the check and deposit the money on my pre paid card. Bank of America charges {$8.00} TO CASH A CHECK IF YOU ARE NOT AN ACCOUNT HOLDER. I feel that this is unfair and unethical. Although it is legal, and the banks have the right to do this. It is unethical because the bank is essentially requiring a fee be paid to fulfill their own note! They are able to look up the account holder who issued the check and determine that the funds are available and issued to said recipient, but want to charge this ridiculous fee. for what??? 
Of course, I did not mind cashing the large check. However, to cash the {$10.00} refund, then I would only get {$2.00} back! Banks and financial institutions are supposed to assist the consumer to responsibly manage money, and avoid reckless spending. Yet, these same institutions IRRESPPONSIBLY APPLY UNNESSARY AND OPPRESIVE FEES back to the consumer. I am glad that some intuitions are taking the higher road.  Banks such as XXXX and XXXX XXXX do not charge these fees, or have very low check cashing fees. I have attached a copy of the checks for review.
Investors bank has increased my monthly payment from {$1300.00} to {$1800.00}. Calls to the bank were not returned although representative promised they would call back.
1 ) I can not access my Paypal Credit account like a regular customer. 
2 ) I have to provide information of my identity by mail and phone again and again. 
3 ) I have to explain again and again that I changed my name. 
4 ) I have to answer extremely picky questions from obscure public records and due to the medical conditions I am suffering like XXXX and its medications I can not remember the answer to those questions ( Questions like area codes of different states, zip codes of different states and ages of people I never met. ) I want to have access to my Paypal Credit to add any information and modify any information like a regular client without having to be scrutinized by The Paypal version of The FBI. 
5 ) This is really abusive. XXXX
Transunion removed inquiries from my report and added them back with proper notification and it 's against FCRA
My vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/2015, and resold on or about XX/XX/2015. Under the laws of the State of Georgia UCC, O.C.G.A. 10-1-36 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. These notices were not given an violated thus law. I was not given a 10 day Notice of Right of Redemption/Right of Reinstatement '' if the car was sold at a private sale, the date of the intended sale if the lender intended to sell the car at a public auction, they didnt notify me of the time, date and location of the auction to give me the opportunity to bid on the property or bring your own bidders an explanation of your liability if I owe a deficiency balance after the sale a description of how I could obtain an explanation of how the proceeds of the sale are applied to my debt obligation a description of how I can obtain an explanation of how the lender calculated my debt obligation contact information to find out more information about the upcoming sale. 

During the end of the loan I was harassed by your customer service representatives with threats of wage garnishment and other legal matters. Under the Fair Debt Collections Practices Act you are not permitted to harass me with such attempts. I have reached out via certified mail and was ignored the following proof of documents and not reached out to by anyone of the company. I'm looking for my account with all 3 credit bureaus and responsibility  for the balance your stating I owe in collections to be removed. If not I will take things in to a legal matter.
Sent TransUnion mail to delete the disputed comment on account XXXX XXXX, account number # XXXX. TransUnion has not removed the dispute comment from my credit report. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of a certain account. More specifically pertaining to a comments on this account. I am requesting that you remove the disputed comments on the account listed below with immediate effect. This account is no longer in dispute.
For the same loan that you had resolved for me previously, I 'm now being asked by Navient which XXXX XXXX had said was their spin off for it again.
I have previously made a complaint through you because I am eligible for income redriven plan.Navient had asked me for documents.I have sent all the documents and they sent me a letter stating that I was qualified and they have approved the income redriven plan and I have to start paying XX/XX/XXXX and that I should reapplied every year. Now the time come to start paying the XXXX. They kept sending different amounts XX/XX/XXXX-XXXX $ ,XX/XX/XXXX-XXXX , and XX/XX/XXXX-XXXX $ ,XX/XX/XXXX,XXXX $ ,XX/XX/XXXX {$1100.00} When I call them to tel them I had an income driven plan that I have a letter that was send to me regarding this they said I never had an income driven plan because I had never sent the documents that was requested. They had sent me the letter which I have attached to this file after I send the documents. 
Now they said that I must re-apply and this is the third time they do that. 
I want to start paying my loan. 
I work for the XXXX XXXX XXXX XXXX. This is what I can afford to pay. 
These people kept playing around with me. 
I would like you to help me get this thing cleared out because they are turning me around.