WillisBack/dataset-financial-user-claim huggingface dataset:
I was XXXX overseas in XXXX and I made a purchase on PayPal for some documents for my XXXX online program. I called and told PayPal that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. PayPal still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from XXXX. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with PayPal. I received no letter from PayPal, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from XXXX asking for settlement for XXXX on the PayPal account.
XXXX XXXX / First Source Advantage is calling my phone number. After researching the number I learned that this collection agency will call friends and relatives and discuss personal business against federal law. This letter serves as notice that THIS IS NOT VALIDATION OR VERIFICATION OF A DEBT. All calls to XXXX must cease immediately. No contact whatsoever. No further information will be given.
I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
I 'm not sure if my address keeps being changed due to the Equifax breach, but I can never access my report due to my information not matching what Equifax has on file. I have had to contact Equifax numerous times to ensure that my credit report reflects the correct information. I can not properly monitor my Equifax report when my information is not accurate.
Since XX/XX/ 2017 I have been sending dispute letters every 30-40 days requesting a thorough investigation of erroneous and unknown items on my credit report. I asked that I be provided with legitimate verification as to how, by law, the disputed and negative inquiries and accounts arrived on my report. I asked that proof be shown with original contracts and my signature. 

I have sent each request certified mail. Each time I get a letter back with very little information and the bureau stating that it " re-investigated '' my dispute. However, the items remain on my report without verification being provided or explanation. The Bureau generically states " verified. '' Also, my inquires are not being responded to within 15 days. I also demanded, for that reason, that because they violated a consumer credit law, to immediately delete the disputed items. 

Also, during the time of disputes, the Bureau has inserted additional unverified accounts onto my report. 

I have explained that this whole process has been costly and stressful. The Bureau continues to disregard my requests.
Financial credit network is reporting false information to the credit reporting agencies. They state I opened and incurred a debt of {$100.00} ( XXXX dollars ) in XX/XX/XXXX. The last transaction made on this account was well before XX/XX/XXXX. I want all incorrect information removed from my account ; such as, the false opening date ; as this might negatively impact my credit rating.
I have a prepaid First Tennessee Bank Prepaid " Companion Card '' XXXX. On XXXX XXXX, 2016, the account was frozen, shutdown and suspended for exceeding load limits that were not published in the terms and conditions of my cardholder agreement. After multiple calls I was promised my funds would be returned to me promptly. On XXXX XXXX, First Tennessee Bank indicated that the remaining balance of {$4900.00} had been mailed to me as a check. Despite this I have received no check in the mail to date ( XXXX/XXXX/2016 ). I have made multiple calls to First Tennessee bank with no resolution. My most recent call indicated a second check could be sent, but only 90 days after the first check had had a stop payment requested ( XXXX/XXXX/2016 ). 

This is an absurd, unacceptable and unreasonable delay. My funds are being held hostage by First Tennessee bank and need to be released promptly.
I have  XXXX  personal credit cards wit h Chase Bank. One product is the Chase Freedom card and another product is the Chase Sapphire Reserve. The Chase Freedom account I have had open for more than 5 years, meanwhile the Chase Sapphire Reserve account I had opened almost a year ago. I was able to use my Chase Sapphire Reserve fo r almost all of  XXXX  and all of last year. T  he Freedom card I have used sporadically for the last year.
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For the Chase Sapphire Reserve, th  e last transaction was on  XXXX / XXXX / 2017 . I made a purchase using the card in the morning. In the afternoon, the card was declined. When I logged on to my Chase account all of my personal credit card accounts were closed.   <P/> A week later, I got a letter in the mail desc ribing how Chase no longer wants my client services. No explanation was given about what had happened. None of the phone representatives are willing to give me any further details.
XXXX my Credit cards was compromised, taken over by an identity theif ... as well as my email was hacked. 
I contacted the CC and reported this. I also put an alert onto my credit through you. I recieved my credit report and see that you have the HACKERS address listed as mine. 
The Theif 's address is : XXXX New XXXX XXXX XXXXXXXX XXXX ( address ID # XXXX ) I have NEVER lived XXXX, nor do I have friends or family there. 
I have lived XXXX for the past 27 years, and XXXX where I own a home and have lived for over 10 years at the same address : XXXX XXXX XXXXXXXX. XXXX am NOT moving. 
Please remove the XXXX address from my report IMMEDIATELY as that is the identity theif, Not me. 
I just call the CC to see why I did nor recieve my new CC, they said the Hacker/Theif had gone in and changed my address and mothers maiden name AGAIN. 
Because you have the error address on my report, this theif may be able to get into all my accounts. 
I spent a whole day trying to fix this and calling all my accounts on XXXX, and the theif has already gone in again and changed my info. 
PLEASE help! I am no a wealthy person and can not afford to loose money or credit. Thank you, XXXX XXXX XXXX XXXX
I received a escrow account disclosure statement dated XX/XX/XXXX informing me of an increase in my payment information because of a shortage amount of {$540.00} in my escrow account. The statement does not provide an explanation as to why or provide figures beyond that it may be due to an increase in property tax, insurance premium, or mortgage insurance. Upon speaking with customer service representative " XXXX '' at PNC BANK, she informed me that none of the aforementioned escrow accounts payable have increased and in fact property taxes have decreased from {$3000.00} as of XXXX XXXX to {$2800.00} for XXXX XXXX. The document states that " The minimum required balance allowed by federal law ( RESPA ) is two times your monthly escrow payment ( excluding MIP/PMI ) unless your mortgage document or state law specifies a lower amount. '' Our monthly escrow payment according to this statement is {$390.00}. According to XXXX, our escrow balance is {$1000.00} which is over {$200.00} more than double our monthly escrow payment and thus the minimum balance allowed by federal law. XXXX responded that " the reason I have a shortage is that I dont have enough money in the escrow, '' a tautology I am not satisfied with. When I said I could not follow her logic and was concerned that there was an error if my liabilities have actually decreased and my payments have increased, she said I was " just being argumentative '' and when asked if there was someone else I could talk to she said " no '' and that I could talk to her. I asked where the additional costs were coming from and she replied that they were coming from their yearly escrow projections which they do each year in XXXX. She claims the previous lender gave us the wrong amount to put into the escrow and that is why we have a shortage. She also claims that the escrow successfully paid all liabilities and that the balance is in fact still over the minimum required by federal law. And since we know exactly what they are for XXXX, I dont understand how the projections are coming back different. I am not satisfied with this service and do not want to pay you an increased rate based on costs that are indemonstrable and unavailable for my scrutiny. And, whoever XXXX is, she is not capable of explaining simple math to me and needs to be trained further if you are to obtain quality customer service.
XX/XX/XXXX Ocwen has delay the short sale for the following property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I have provided all the documentation since XX/XX/XXXX. There has been 2 full appraisals and 4 BPO. There is a foreclosure date set for XX/XX/XXXX. I believe that Ocwen on purpose is delaying the process so the property can be foreclosed. I have evidence that the short sale department on purpose over looked documentation that was emailed to the short sale department. I emailed and fax 8 pages of evidence to liquidation appeals department including a document showing seller was contributing {$5000.00} to the mortgage Insurance company on XX/XX/XXXX, that same day the file was escalated to the underwriter I called on the XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX the agent ID XXXX told me to that the underwriter has all documents it needs and that they will need 48 hours for the approval letter and that by then Friday XX/XX/XXXX would be the latest for the approval letter. At XXXX XXXX this evening I recieved a text from XXXX XXXX XXXX  informing me that an appraisal has been order by Ocwen, more delays.
While I was being pre-qualified to purchase a home in XX/XX/2018, I was denied due to derogatory mark on my credit report. I enrolled in XXXX XXXX to view this negative mark and saw that a collection item placed by Ability Recovery Services, original creditor XXXX University, was present as of XX/XX/2018. Ability Recovery Services failed to send me initial communication before placing this alleged derogatory status on my credit reports violating FCRA. On XX/XX/2018 I sent letters to both Ability Recovery Services and XXXX University  requesting validation of debt, dispute put on credit reports while researching and deletion of tradeline if validation can not be provided. Neither Ability Recovery Services nor XXXX University provided me with validation of debt to date. They failed to respond within 30 days of receipt of these certified mails and thus the tradelines should have been deleted. I am requesting immediate removal of tradeline from all reporting credit bureaus.
XXXX showed up on my credit report on XXXX/XXXX/15 as a hard inquiry on XXXX/XXXX/15. I immediately filed a investigation with Equifax and within XXXX hours they closed the case stating Inquiries are a factual record of file access. I called the # Equifax provided for XXXX, XXXX and spoke to XXXX, today XXXX/XXXX/15. I asked how they got my information to view my credit report when I didnt apply for credit or authorize them to view my credit report. He could not tell me and asked that I fax my name, address, phone # and last XXXX of my social to XXXX. I do not feel comfortable doing so as that is all information that can be used to obtain credit fraudulently. I have read online, NUMEROUS accounts of XXXX placing a hard inquiry on people 's credit reports. I will not stand for them to comit fraud!
I called   XXXX   to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.
My information was compromised in the Equifax hack onXX/XX/XXXX. I do not yet know how this hack will effect me. I do not know what should be done, but this CAN NOT happen again. Equifax, XXXX, and XXXX should have the best security available. This is completely unacceptable.
In early 2016 my doctor XXXX XXXX prescribed a XXXX XXXX XXXX for me. The machine was to be connected to my XXXX machine. I stopped using the XXXX XXXX and called XXXX XXXX to come pick the machine up. They told me they would have someone pick the machine up but never did until I informed them I was going to be moving out of state. They didnt come pick it up until the around the end of XXXX or early XXXX. They were billing my insurance {$330.00} a month for the machine usage. I spoke to XXXX about the charge of {$150.00} they charged me and told them I shouldnt have to pay all of that because I called them and told them to come get thier machine. When I spoke with the collection agency they said XXXX put in their notes that a doctor note was needed to pick the machine up. There was no mention of a doctor note being needed for pick up of the machine when it was prescribed nor did they have a note when they came to pick it up.
XXXX XXXX  operating Manager XXXX XXXX and XXXX XXXX are receiving proceeds that are being disbursed by XXXX.THE FOLLOWING PARTICULARS APPLY COUNT I 1 XXXX XXXX XXXX XXXX (XX/XX/XXXX ) VEHICLE PROGRAM COVERAGE PRO RATED DUE TO TOTAL LOSS 2 XXXX XXXX XXXX XXXX ( NEW ) LIEN HOLDER FORD CREDIT.

I3. NFER TO BREACH OF CONTRACT TO BOTH COVERAGES BY XXXX XXXX.

WHRN RECIEVING SERVICES FOR TIRES THEY ONLY REPLACED ONE TIRE.HOWEVER BOTH TIRES EITHER FRONT OR BACK WERE REPLACED WITH ONE TIRE. XXXX XXXX  KEPT OTHER 3 TIRES.

COUNT II 4.TRANSMISSION WAS NEVER REPAIRED BY XXXX XXXX .

5.RECIEVE LETTER RELATING TO TRSNSMISSION MODULE BY FORD MOTOR .

6 FEDERAL COURT CASE PENDING FOR XXXX TO BE REFUND TO CUSTOMERS 7 XXXX PURCHASE CHRCK ONLY WERE TO BE ISSUED TO INDIVIDUALS OWNING XX/XX/XXXX XXXX XXXX HOWEVER BREACH OF CONTRACT INFERS TO upon performance incur failure to perform a discretionary function or duty to terms conditions of contract.

U.S.C. 1346 ( b ). Thus, both federal and State law may impose limitations on liability. The FTCA exempts, among other things, claims based upon the performance, or failure to perform a " discretionary function or duty. '' The FTCA also exempts a number of intentional torts.
this is a formal complaint against Statebridge Company LLC- This Company was our mortgage Company from XXXX XXXX to XXXX XXXX. This Company has been negligent and irresponsible in paying our School Taxes for the entire Tax period from XX/XX/XXXX-XX/XX/XXXX and School Taxes for the second half of XX/XX/XXXX. They have also failed to pay the General Taxes for the second half of the year XX/XX/XXXX.This resulted in a lien against my property for {$14000.00}. The current Loan servicer ( XXXX XXXX XXXX ) which took over our mortgage in XXXX XXXX took our {$14000.00} from our escrow payed off the lien that this negligent company caused and then started out paying our taxes giving us a negative escrow from jump. A claim was filed with consumer finance against XXXX XXXX XXXX under ( COMPLAINT # XXXX ) - so this is a follow -up complaint to get the right party in the mix. We will be providing you with all the documents that was initiated from XXXX. This Statebridge Bank is despicable and have caused us great harm and XXXX. We would like to see Statebridge reimburse the amount of the lien so that we can move on with our lives. I am not about to lose my home because of the negligence of Statebridge Bank. Please cross-reference CFPB CASE # XXXX WHERE THERE IS A COMPLAINT AGAINST XXXX. Please note that this is all interrelated so please be mindful of that .I will be sending all correspondences to your office by mail shortly.
Re : Exxon/Mobil gas credit card - credit price vs. cash price. 
Previously, when I have used our business gas card my regular Mobil station ( s ) has applied the lower, cash price, to the gas card transaction. On XXXX/XXXX/15, while at an unfamiliar Mobil station, I was charged the higher, credit price, for my gas card transaction. 
This seems to be, at some level, a bit of consumer information fraud. The lack of consistency is XXXX thing, the failure to disclose to the consumer is yet the large issue. The consumer has no way of knowing the amount he/she will be charged ( cash or credit price ) when using their Exxon/Mobil gas credit card until starting the actual transaction. 

I 'm surprised this has not become a class-action lawsuit yet. 
Thank you for investigating.
I was sent a letter of escrow shortage from the servicer Seterus, Inc. formy mortgage and paid it so that the new payment would not increase toomuch. Seterus has yet to properly apply the {$590.00} payment and for thelast XXXX months the statements that have been issued still shows anincorrect payment due amount. I 've tried calling Seterus, Inc. severaltimes to no avail. I was told that by XXXX the statement shouldshow correct amount due, but when I went online to make payment today, it isstill incorrect. They are also adding a {$5.00} processing fee that is paid when Imake my mortgage payment into a suspense account. I do n't under-stand why the {$5.00} fee should show on my statements at all because theamount is paid to XXXX XXXX for processing - a totally separatecompany of Seterus.
I am filing this dispute in response to Ad Astra providing FALSE information to the Consumer Financial Protection Bureau on complaint XXXX dated XXXX2017, For 4 years I have disputed Ad Astras right to report and collect alleged debt. For 4 years Ad Astra has falsified dates. For 4 years XXXX has allowed Ad Astra to report and has not properly investigated dispute. XXXX and XXXX do NOT report only XXXX. I have ATTACHED a letter with a timeline and with proof of the inaccurate dates.
On XX/XX/2016, this debt for {$98.00} appeared on my credit report. I have no knowledge of this debt and why they frivolously put this item on my credit. This item is unverified and has not been validated by me or my consumer rights attorney. This company did not send notice that item would be placed on my credit before letting me have the opportunity to verify that this item is even mine or belongs on my credit.I have never even heard of the original creditor to which is listed. I will sue if this item is not removed.
XXXX XXXX pulled my credit report on XX/XX/XXXX through Experian. XXXX may have pulled this inquiry to the other credit reporting agencies as well. XXXX has fraudulently done this before back in XX/XX/XXXX and I spoke with the manager and he told me even though XXXX was included in my bankruptcy filing they are deem to pull my credit report when ever they choose to do so. My lawyer called XXXX lawyer and since XXXX was included in my bankruptcy, XXXX was demanded to delete the three credit inquiries and they did. I recently checked my credit report and XXXX did it again, they pulled my credit report on XX/XX/XXXX. They probable did the other credit reporting agencies as well. I am sending a copy of the bankruptcy file were XXXX is listed on page 11 and a copy of my credit report with Experian. Sacor address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas -- this is the lawyer address. XXXX 's physical address is XXXX XXXX XXXX, XXXX, CA XXXX. There number is XXXX their email address is XXXXXXXXXXXX. My account is XXXX. I as asking XXXX to remove any and all inquiries from all three credit reporting agencies and to quit bothering my accounts and me. I am done with them. They were included in the bankruptcy filing and if I can I want to sue them for character and credit damage.
TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of
I have XXXX student loans and am entering my XXXX year of college. I withdrew from my last semester due on XX/XX/17 due to health reasons and reapplied for the XXXX 2017 semester and was accepted for readmission by the end of XXXX XXXX. Navient, however, has put all my loans into " Grace Period '' and has been charging me interest on XXXX of my loans. I have emailed them twice. My first email advised them of my status at which time their correspondence to them was simply " your loans are in the grace period ''. I then called them to obtain a mailing address and fax them after which I faxed to them THREE times on XX/XX/17 a verification letter from my university detailing my years of enrollment and continued enrollment. Following the fax, I emailed them again on XX/XX/17 telling them to stop charging me interest and take my loans out of grace period since I am a current student. I have not heard anything back from Navient and the record of all my correspondence from them is not detailed in my account. There DO NOT KEEP ANY RECORD of my emails to them so I can prove what I sent them. Their response to me did not include any of my correspondence to them so I can not prove what I wrote to them. This is complete and utter deception by them aside from the fact that they continue to charge me interest although I am enrolled. They have completely ignored by request two days ago. This is a sleazy disgusting company and I will further be contacting my state Senators to complain about their shady business practices. I want my loans removed from their grace period and ALL THE ACCRUED INTEREST ELIMINATED since I have been a student continuously.
On XX/XX/XXXX XXXX XXXX quoted me a payoff amount of {$26000.00} and said it was good for 10 days. I paid them {$27000.00} which leaves them owing me a balance of {$1400.00} but have not received at this point. I have continually tried to work with them on processing a refund that is due to me but keep getting the run around.
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX Mortgage that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX
I currently have a debt for the amount of {$2300.00} with  Discover Credit Card Services. I called Discover  at  XXXX  to inquiry about this debt. I was provided this fake phone number  XXXX  and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.
I had my home mortgage with green tree. I unfortunately had financial difficulties I tried to explain to green tree but they would not listen. They call all hours to get payment when I tried to explain they would belittle me, or tell me to borrow money. They came to the house to get payment and threaten me. They would call my work. I tried to get a modification they said no. I eventually lost the house. I no longer have my house, it was very difficult.