WillisBack/dataset-financial-user-claim huggingface dataset:
I opened XXXX with American Express Serve card # XXXX and I saw some transactions for {$10.00} every month on my account which I do not remember this Company and to authorize them to charge my account so I called them and Serve Cst Srv Representative open disputes. However, instead of opening XXXX dispute for all charges related to this Company Serve Rep only open XXXX dispute. I called again on XXXX and I asked and different Representative opened about XXXX disputes -I did n't know what he was doing. All charges came from XXXX Company I should have only XXXX claim with disputes. On XXXX my account was closed due to filling fraudulent claims which Serve Representative cause not Me. I never filled that many claims .Serve Employee did not followed correct procedures and did not listened me when I called in XXXX with my not recognized transactions. He did not understand XXXXThese practice are unfair and abusive practices against the Customers. Therefore, I was trying to talk to with Supervisor and I was putted on hold for 1 hr and my next all called has been disconnected. by Cst Srvs ( Please see attached ) I never gave them authorization to file that many dispute claims!!! Today, I was disconnected by XXXX, XXXX, XXXX XXXX. I 'm filling this complain because no one will be accusing me for any frauds!!!!
Called Discover Student Loans XXXX/XXXX/XXXX to cancel automatic payments, because I could not cancel automatic payments nor change the payment withdrawal date using their online system. Was assured by the customer service rep that the automatic payments had been stopped. 

Was charged a payment on XXXX/XXXX/XXXX, called Discover Student Loans that same morning. They said they had " no record '' of my call, " no notes. '' I assured them I had the call history in my own phone. They assured me that my automatic payments had now been canceled. This payment coming out of my bank account was unexpected, and it caused my bank account to overdraft. On top of the negative balance, I am now responsible to my bank for an overdraft fee. 

Also asked about my forbearance options and representative said she would have to transfer me to another department, which I did not have time for.
I cancelled this application last week because the company representative lied t us about the details and I cancelled the application. I tried to call   XXXX   XXXX   as well as Village Capital & Investments contacts that the   XXXX   XXXX   Area supervisor provided me, but they have not returned my calls.
Today I received a Closing Disclosure package from Village Capital & Investment, and I clearly cancelled all activities with this company. I believe that Village Capital & Investment has a checkered reputation and their refusal to acknowledge that I cancelled the deal is further indication to me that I was correct in refusing to deal with this organization, and cancelled the deal. I spoke with both   XXXX   XXXX   and   XXXX   XXXX   cancelling this contract.
The Loan Originator is  XXXX  (  XXXX  )  XXXX  MMLS  XXXX . Phone  XXXX  Loan Officer & Georgia Manager is   XXXX   XXXX   Phone  XXXX
equifax has been reported item on my report ... i have asked who verified this account who they speak too how did they verified it ... ..i reported it ..and i have XXXX or XXXX letter stating that it was verified ... thats all but I 'm requesting information and they do n't provide me with any proof ... ...
I opened an ING Direct savings account a few years ago online. ING has since been acquired by CapitalOne. My account was automatically converted to a CapitalOne XXXX savings account. I had not logged into my account or made any deposits/withdrawals for some period of time XXXX potentially XXXX years XXXX. During the period of XX/XX/2016 I called CapitalOne to help obtain my log on information. I spoke with a representative who helped me log in and stated that my account was ready to be used. I planned to deposit money into the account every XXXX weeks to save money for a wedding. I made my first deposit of {$750.00} on XXXX. On XX/XX/2016, my account was closed. I called CapitalOne to speak with a representative and ask why my account had been closed. I was informed that my account had been " abandoned '' and my money sent to the XXXX of NJ as unclaimed money. I was instructed to contact the XXXX of NJ to file a claim for unclaimed money. 

I have XXXX issues here : XXXX ) why was I not informed on XX/XX/XXXX that my account had been changed to abandoned, so this would have prevented me from transferring additional funds into the account. XXXX XXXX why would CapitalOne accept a transfer of {$750.00} to an account marked as abandoned. I trusted CapitalOne with my money and to protect my funds. I feel that they have inappropriately robbed or stolen money from me that will be very difficult to re-obtain in any timely fashion, as the XXXX of NJ has no record of receiving my funds yet. CapitalOne has not been helpful in trying to rectify this issue. I believe this to be a violation and misappropriation of funds.
professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.
Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.
XXXX /wells fargo bank fraudulently forclosed XXXX  county court XXXX  case no XXXX final judgemant XX/XX/2013 XXXX county court, kel atterneys /XXXX   /XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX tel XXXX XXXX XXXX XXXX XXXX atterney acting XXXX XXXX  they took my money and did nothing bank stole my home with over {$270000.00} equity in the house value by the bank {$560000.00} and lent a mortgage of {$250000.00} 50 % equity no missed paymants 3 forms of proof of paymants bank forged and doctered bank statemants, the bank cleared out my escrow acount prior to putting me in forclosure, the bank sent the contents of my escrow acount to my home owners insurance that was already paid for the year sent the cheques then closed the mortgage acount saying in forclosure funds came back to the bank? acount was incredit over {$7000.00}. they stole that money also a co signed insurance cheque for {$2500.00}. the bank stole also this was a complete act of fraud and deception committed the XXXX  county judge XXXX XXXX in XXXX  with the bank in a 4 min heering XXXX XXXX refused to look at proof of paymant and the court reporter disapeared? XXXX atterneys took money up front and did nothing to prevent the forclosure i have over 40 CFPB case complaints against XXXX wells fargo bank but the cfpb have done nothing for me you have all the information on file i will take the bank to court thanks o i reported the cfpb to the ombudsman for doing nothing
I filed a complain with IMPAC MORTGAGE COMPANY and until today I still not receive from them the disclosere of why I was XXXX know its a state law to provide me in 3 days those discloseres..Today is the XXXX of XXXX and I still not receive the documents.I was refused on the XXXX XXXX XXXXBecause of the stress that this company put us true ( see complainXXXX ) my wife has a XXXX XXXX XXXX and because of the intense stress that IMPAC MORTGAGE done to us we XXXX XXXX XXXX.Is not normal to do things like that to people.With no reason they are declining loans.Until today no answers why.I think this is discrimination.
I have a hard inquiry from XXXX XXXX that I do not recognize or authorize from XXXX of XXXX.
Dear Sir or Madame ; You have refused to answer and respond to any of my requests once again. The fact that you are still avoiding to respond accordingly to my complains amazes me to this date. 
# 1. Copy of the phone conversation between myself, XXXX XXXX and XXXX XXXX and XXXX XXXX. 
As I Mentioned in my Pervious request, when I started speaking to XXXX XXXX back in XXXX 2015 to apply for my loss mitigation application, he insisted if i am not ready to accept the 5-6 % interest rate on my balance i should n't even try to send my application in. That 's why I have asked you to provide me with the recording of those conversations, which I believe you are trying to ignore. Although I am sending you a complete application in the mail for my loan modification and ca n't wait to have the result back with good news, I am still requesting copy of the recorded phone conversations. 
# 2 ) you keep repeating that your initial Fair Debt Collection Practices, Act ( FDCPA ) was a print error. Since the date on the validation notice was XXXX, 2015 and I was given only 30 days to act on your offer. On XXXX XXXX, 2015 ( 16 days later ) I filed a complain with CFBP that I was NOT getting any written reply as where and how I was suppose to send you a cashier check in the full settlement amount. It took you 15 days later from my CFBP complain and 30 days from the date of Validation Notice that this letter was an error?! 
Clearly I was not Notified of your print error until I already had the loan ready to be send for settlement before the due date. So please respond accordingly and do not repeat yourself. This is a simple question, who is obligated for my financial loss???? 
Finally you have responded that my QWR letter is Overboard and unduly burdensome. It may very well be Overboard and unduly and burdensome to YOU! But this is my right and it 's MY home that I am trying to protect from loosing. Until i receive a Correspondence from CFPB that my request is Overboard and unduly burdensome and its not my right, You need to provide me every single item asked. Clearly you have had plenty of time to prepare the information but have refused it with every chance you have had. 
Please see the attached documents. 
A. The New QWR requirements under the CFPBB. My request to send all documents requested in QWR RESPA letter ( 2nd letter ) I am looking forward to here from you soon.
As you are aware, on XXXX XXXX, 2017, Equifax disclosed that it did not properly secure financial data of millions of Americans and as a result my information was improperly accessed by third parties.
I received a rejection letter from One Main Financial for a loan that I did not apply for. I have not applied for any loan from any company and would like to know why that is on my report as a hard inquiry.
I have been disputing numerous accounts that has been reported on my credit profile for awhile now. None of these corporations has been able to verify nor validate these accounts to me but somehow Experian stated that they have been verified and validated ; which is not true which is a violation of the FDCPA providing false and misrepresentation of information. They sent me a letter dated XX/XX/2017 stating that they will not reinvestigate the information but has failed to send me any documentation to verify and validate these accounts and has continued to report this information on my credit profile which is another violation of FDCPA. I have never given Experian the authority to report my personal private information which is IDENTITY THEFT.
around 2012 i was a victim of indentity theft, they used my id to file taxes in California and get to phones from XXXX and XXXX, I didnt know until i pulled my report recently and I filed a police report, I also contacted the IRS and the creditors XXXX and XXXX who said they no longer had those records and sold in to XXXX enhanced recovery, I called them and they are unable to validate the debt, this is hanging on my credit and its not mine, XXXX promptly removed it they are in violation of the FCRA and I have several letters sent certified and they still say validated but provide me with no proof they say they only have a name a ssn and a last amount owed and a creditor nothing else. Please help me I am trying to buy a home
I received a credit denial letter from Goldman Sachs Bank USA on XXXX/XXXX/2017 for which I did not apply. I have no knowledge of who this institution is or what they do. This bogus denial letter does not state the type of loan I supposedly applied for. Again, I never applied for any type of loan from this institution at any point past or present. Additionally, this institution is located in Utah. Near the same location to XXXX XXXX XXXX Bank of whom I complained on last year. Also near the headquarters of XXXX XXXX whom sent XXXX soft pulls of my credit over a 8 month period last year for which I also did not apply for credit to.
In  XXXX , I closed a mortgage with   XXXX   XXXX   XXXX   XXXX  . An additional {$5000.00} was transfered from  XXXX  to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in  XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $  XXXX  to the unclaimed funds department of texas. I have been in contact with the title company, every department of  XXXX , all three mortgage management companies involved with my mortgage and  Noone  is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since  XXXX .
XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report
I paid the debt with tax offset and it has been transferred to another debt collector. And it has been added back onto my credit report when it is showing on my credit report to have been removed on XXXX, after the tax offset payment in the amount of {$300.00}.
Hard Credit Inquiries on my XXXX and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX
I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined!
O N   XXXX  2017 AT   XXXX   XXXX   MY DEBIT CARD # WAS USED TO PURCHASE {$2000.00} AT   XXXX   XXXX   XXXX   IN  XXXX , TEX AS.     O N  XXXX 2017 WE CALLED  XXXX  POLICE DEPT., CASE #  XXXX .       ON  XXXX /2017 WE CALL MY BANK BBVA TO INFORM THE PROBLEM, BBVA CASE #  XXXX . THE BANK INVESTIGATED AND CLOSED THE CASE WITHOUT MY REFUND. THE BANK TOLD US TO CALL  XXXX  OURSELVES AND WE DID WITHOUT ANY RESULT. THE BANK ALSO TOLD US TO FILE AT SMALL COURT, BETTER BUSINESS BUREAU BY OURSELVES. WE FEEL THE BANK SHOULD REFUND TO US WITHIN 10 DAYS BY FEDERAL LAW. TODAY WE STILL HAVE NOT RECEIVED THE REFUND. THE BANK CUSTOMER CARE TELEPHONE # IS  XXXX
I started the process of buying a house by making an offer on XX/XX/2018. I told USAA over the phone my work history on the XX/XX/XXXX. I was told on the XX/XX/XXXX that I had to meet a deadline of the XX/XX/XXXX, which was to give them all the information that they needed. The date was bolded and highlighted. I emailed them my employment history again ( I had already given USAA this information twice before, once over the phone and once over email. I had asked to e-sign the initial disclosure on the XX/XX/XXXX to which I had never gotten an email reply. I had called multiple times on the XX/XX/XXXX and XX/XX/XXXX to ask if they had received everything. I left voice mails and never got a phone call back. I then learned that on the XX/XX/XXXX USAA sent an email ro my real estate agent, saying that I had started the loan process on the XX/XX/XXXX. I was furious at the effort of USAA. I am most upset that they would lie to my real estate agent about dates on which I started this process. I decided that USAA was not putting for their fair share of the agreement and decided to switch lenders. I then called USAA to ask for a refund on my appraisal fee, since the appraisal was non transferable. On XX/XX/XXXX I was told that is was USAA policy that it is non refundable. The next day I called to ask for clarification and was yelled at, they refused to answer any of my questions and ultimately was hung up on.
I am applying for a loan modification with Ditech, the third lender purchased during the modification process. During the past year my A/C broke and the replacement caused water damage to the newly installed floor ; that I also just happen to XXXX attempting to install ( amputated with a circular saw ). Additional items with my house during the past year alone, I 've had to replace plumbing parts/repair on aerobic system, replace a broken dishwasher and washing machine. 
I was able to file a claim with XXXX, the insurance company my lender enforced for insufficient coverage previously. The insurance adjuster, XXXX ( asked I call him XXXX ), processed settlement claims/checks for the floor replacement, after deductions approximately {$3800.00} ; and advised the A/C payment would be in two installments, with the final installment paid when the adjuster receives the invoice of completed work. XXXX sent the first installment of XXXX {$1800.00}, and I sent him proof of the work that was completed as instructed but never received the remainder settlement check, nor any explanation or otherwise comments/advice. Therefore, my floors remain damaged, as his report will reflect. The checks were issued in my name and Ditech 's, therefore, I sent for signature after receiving specific instructions sending via XXXX. 

The A/C servicer is 'harassing ' me for his payment. He deserves to be paid but I can not pay him until Ditech releases the check paid toward the A/C. I owe {$2800.00} for the A/C, but XXXX 's Insurance Adjuster has decided to dodge my calls ( ID ), does not respond to my e-mails, or text messages ; same or similar actions with Ditech and its claims department. I have been treated as if I 've done something wrong. It 's ridiculous, and I 'm at a loss for much more effort toward working with these crooks ( for lack of better descriptions ). The Claims Department with Ditech, and/or XXXX ( in-house insurance ) have been willing to respond to my inquiries of the final payment toward the A/C repair with the invoice I submitted, nor the release of checks requiring Ditech 's representative signature/endorsement. 
Because of the long-drawn-out modification process, most recently XXXX/XXXX/15 of yet additional documentation and request to complete the entire modification paperwork/pack my credit is less than perfect, so I 'm in a lease program for the large appliances. Instead of replacing the entire A/C unit, repair/replace parts as described within/enclosed and still owe for that {$2800.00} service, I have had estimates, but ca n't replace the water damaged floor because my mortgage company will not release the monies paid on the claim. 
Appreciate your overseeing of the A/C second/final installment based on completion invoice submitted, as agreed/instructed. As well as, enforcing Ditech to endorse and release the funds issued, currently in their possession.
I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off.
I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.
At the beginning of  XXXX  I started receiving letter from  Midlabd  funding saying I owe money on my   XXXX   XXXX   account from  XXXX  ( which I closed and paid on  XXXX  ) I called them after they kept sending me the same offer Over again.  Midland  funding sent me a letter recently saying that my case was close and account was closed I did n't not owe anything. They said   XXXX   XXXX   sold this account to them and after the disputed it showed I did n't owe anything. But I see it was reported to my credit report. How can I get that removed?