WillisBack/dataset-financial-user-claim huggingface dataset:
I visited XXXX 's on XXXX/XXXX/2016 to purchase lunch for myself and a coworker. The bill came to {$11.00}, which I paid with my CapitalOne Mastercard. 
I logged into my online account on XXXX/XXXX/2016, and when reviewing and reconciling account activity, I observed a second transaction dated XXXX/XXXX/2016, also from XXXX 's, in the amount of {$17.00}. I double-checked my receipt and then placed a call to CapitalOne customer service to inform of the incorrect billing and to dispute the charge for {$17.00}. The female representative was distracted and repetitive. I clearly explained the nature of the dispute, and informed her that I could provide the receipt showing the correct amount. It took me numerous attempts for her to send me a secure link to upload the receipt. 
Two days later, I received a request to contact CapitalOne. I promptly contacted customer service again, where after another very frustrating conversation with a representative who was again distracted and repetitive, I became irritated. She connected me to a supervisor, who informed me that my previous dispute for an incorrect charge had been opened as a dispute for fraud, and that she must invalidate my card. After clarifying again that the dispute was due to an incorrect billing and not fraud, the supervisor placed me on hold for about 5-8 minutes. She then agreed to correct the previous dispute, but refused to acknowledge the previous rep 's incorrect actions, or take ownership of the clear need for training. 

This company needs to provide adequate training to representatives, and when an employee error is identified, to take ownership of how such an error impacts customers.
Tried to get a credit card to help my credit was not approved but capital one dinged my score which I have been working on very hard to repair over the last year. There was no statement saying that if they deny you they will ding you.
On XX/XX/XXXX, I mailed a certified handwritten letter to XXXX ( tracking # XXXX ), Transunion ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, XXXX  and Transunion replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, Experian, and TransUnion to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
Credit card : AMEX Gold Delta SkyMiles. 
I haven't received a promised reward which includes a XXXX bonus miles and a {$50.00} statement credit. I have contacted them over 20 times through a live chat since XX/XX/XXXX. 

These are some of the logs that I have. 
XX/XX/XXXX - Amex opened an investigation of the issue. 

XX/XX/XXXX - The representative updated the notes on my account. 

XX/XX/XXXX - The representative told me that the investigation is in progress. I could check the update by next statement on XX/XX/XXXX. 
- The representative told me that the investigation normally takes 6-8 weeks. 
- The representative confirmed that I am qualified for the bonus miles and a credit. 

XX/XX/XXXX - The rep said, " Thanks for waiting, I checked and see the investigation is open and our team is working on it and once it is resolved, you can contact us to know the result for this. '' - The rep mentioned that the investigation was opened on XX/XX/XXXX, instead of XX/XX/XXXX as mentioned earlier. " This investigation was opened on XX/XX/XXXX and takes 6-8 weeks time but in most cases, it is resolved within 1 bill cycle. '' XX/XX/XXXX " The welcome bonus offer credits are not yet released and the case is still under investigation by our dedicated team. it is bit a longer than usual for a case to open as usually a case resolves in maximum 6-8 weeks. '' " Whenever such scenarios are reported, we find the root cause to make sure thinks are correct for all the customers too. '' XX/XX/XXXX - The rep admitted that something is wrong with their system. 
" There was an error, and most of our card member faced this problem. We've received updates from our investigation team and they have most of the account. '' XX/XX/XXXX - The rep mentioned that the issue was already escalated on XX/XX/XXXX. 
" I can see it is already escalated and previous supervisor is already working on it. However once the details are updated we will share the same with you as well. i'd request you to please wait for sometime as now it shouldn't take much time to get investigation done. '' XX/XX/XXXX - No progress " These investigations take time as back team needs to check each and every details about the bonus offer. ''
XXXX  is reporting multiple tradelines with inaccurate information. I was unemployed in 2014 and my XXXX  and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX/Bestbuy. These lates are inaccurate and should be removed. 

XXXX/Bestbuy is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.
Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.
In XXXX XXXX, Diversified Consultants Collection agency reported a balance to all three credit Bureaus ( XXXX XXXX XXXX XXXX XXXX. I 've just learned that they reported when I pulled my credit report on XXXX/XXXX/XXXX. I 've called the collection agency several times since XXXX, and they refused to remove the collection from my reports. I 've called all three credit bureaus since XXXX and only XXXX has taken it off. TXXXX XXXX XXXX will not take it off and stating that the collection will remain on my report for 7 years. I can not afford for an {$0.00} balance collection to be on my report for 7 years. I am trying to buy a house in the next 2 years.
Loancare first gave me false information about cancelling PMI when I reached 80 % LTV and five years of payments in XX/XX/XXXX. It took them 2 months of additional time to give me appropriate information. I then paid down the LTV to 78 % immediately and the company tried to apply the payment months in advance rather than against principal. They also informed me PMI would end automatically when I reached 78 %. When I followed up they just denied the request without providing any additional criteria. My original appraisal was $ XXXX and I started payments XXXX/XXXX/XXXX and I reached $ XXXX inXX/XX/XXXX. I have made all payments timely. I meet all requirements and the company is simply lying to me on the phone and sending denial letters at this point.
I have a reported a fraudulant account on my credit report several times to Experian. I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Experian stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Experian :  XXXX  Acct #  XXXX    XXXX   XXXX   : Act. #  XXXX
Discorver Card repo rted on my credit report that the first major delinquency was on   XXXX   XXXX   The problem is I filed   XXXX   XXXX   bankruptcy prior to  Discover Card reporting the delinquency to the credit bureau.
I submitted disputes with all XXXX credit bureaus on XXXX XXXX, 2015 regarding incorrect information on my credit report. The only response that I received was from XXXX and it was a letter stating that they believed they received a suspicious request regarding information on my personal credit file. I followed up with XXXX and was told to submit another dispute. I submitted another dispute on XXXX XXXX, 2015, addressing the lack of response from Equifax and XXXX and also addressing the letter from XXXX regarding the information I was disputing. I still have not received a response from any of the credit bureaus with regards to the results of their investigations and it has been well over 30 days.
I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencies  (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more than  7 years old  ( 10 years for bankruptci es ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my credit  report.
On XX/XX/XXXX my employer received notice of a wage garnishment order. This was my first notice of this action and I believe improperly executed and has violated my rights. I have been paying XXXX XXXX XXXX,   XXXX XXXX XXXX., XXXX OH XXXX since XX/XX/XXXX. ( I provided a copy of my bank statement yesterday. I have a revised copy with the XX/XX/XXXX dates. The copy I sent yesterday only shows the XX/XX/XXXX payments. ) XXXX  contacted me at that time and I provided financial information and the hardship I was in at that time. My son is an addict and as a direct result of his addiction, I was in extreme financial difficulty. At this time XXXX card had 2 judgments against me, one Im still paying, $ XXXX  monthly and the other I was able to settle. Ultimately my son was Sectioned and with the help of family I started paying back the debt that resulted from this period. Although I moved during the period of making these payments to XXXX, they were made aware of the address change. I have attached a copy of the notice they sent dated XX/XX/XXXX stating they closed my account. This letter has my address and it notes my student loan. My home address was on record as well as my good faith effort to pay back an amount I could afford at the time. In XX/XX/XXXX, I changed employment. You were able to track me to my employer ; however, although my address was on file and noted with my student loan, no attempt was made to reach me at my home address. I had no opportunity to review my loan or negotiate any revised payments. Since I received notice of the garnishment, I was able to review my loan which has an outstanding principal balance of {$48000.00} and {$6500.00} interest balance. My current balance according to the information provider to my employer is {$65000.00}. 
My employer is complying with the order as required however I am requesting the order withdrawn and the opportunity to renegotiate the loan and payment. 

Above is the latter I sent to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent all the requested paperwork for consideration with the loan  rehabilitation program and requested a copy of my loan history and payment. 

I have not called them since my initial 2 phone conversations on XX/XX/XXXX and XX/XX/XXXX. I am not trying to get out of my loan but however would like the opportunity to  review the information and negotiate a payment schedule. Garnishing my wages without this opportunity, I believe, is a violation of my rights. I provided them with the requested documentation as well as bank statements showing my good faith effort to pay and XXXX  's knowledge of my address. 

The garnishment, which will be effective in my pay received Friday XX/XX/XXXX is going to place me in a financial hardship. I am supporting my XXXX year old son who has XXXX XXXX. He earns {$20000.00} a year and I provide over half of his financial support. In addition I have only been at my place of employment since XX/XX/XXXX and this has placed me in a very embarrassing situation. 

Any assistance in getting a hold on the garnishment so that I may review and negotiate my loan payments would be greatly appreciated.
Senex services continues to drag their feet validating this debt i 've contacted oringinal creditor and they stated i have a zero balance and they have not sent anything to collection with my name a ssn # it 's been over a month since i requested validation from them and i keep getting the run around, but yet they can verify to the credit bureaus that the debt belongs to me and negatively impact my credit score for a debt that i do not owe.
XXXX {$340.00} American Express Serve An transaction was not authorized by because an error on a website. Call American Express and ask to a manager and my issue with the transaction was not taking care of and remains on hold.
I opened a checking account with Huntington Bank, and was supposed to get a {$750.00} bonus. They denied it to me by saying that I already had an account. However, they wer e two different tax id 's ( one a ssn and one a business tin ). I was specifically told by a banker that it would be eligible for the bonus. Thanks
I owe XXXX to Navient. XXXX XXXX I went on vacation from XXXX XXXX and came back homeless. I found a place to live again and was scheduled to resume my studies in XXXX XXXX. Then, the school shut down and I they said I owe XXXX i do n't know what to do. i want to resume my studies in XXXX but dont want to pay more loans
After the death of the original property owner, her heiress, henceforth XXXX completed a family transfer package for OCWEN and received a permanent modification of the mortgage under her own name However, mortgage statements continue to be addressed to the deceased. XXXX has completed the assumption application, has a mortgage modification in her own name and is now the borrower. But the account remains in the name of the deceased mother and listed under the social security number of the deceased. Despite phone calls, emails, XXXX notices of error and a completed family transfer package by the XXXX OCWEN has not updated the account to reflect her name and social security number. 
A complete complaint will be mailed into the CFPB
Excessive over draft fees on items that are not posted to account until the day of direct deposit is posted ... on the XX/XX/XXXX I received my pay check as a direct deposit of {$340.00} and my direct deposit has been occurring every two weeks for the past three years now..When I checked my checking account on XX/XX/XXXX I had a positive balance ; no notice of an insufficient funds of - {$36.00} & - {$30.00}. When I checked my balance on XX/XX/XXXX I had two debits posted of {$36.00} & {$30.00} along with the credit of the occurring direct deposit of {$340.00} plus over draft fees of {$72.00}. This is outrageous and an overt attempt to steal money from customers ... Other banks I deal with do not charge over draft fees if debits comes in around the same time as a recurring direct deposit..I thought all banks follow this procedure and I was told by the woman who answered the XXXX, VA bank branch phone that BB & T does not participate in such a feature.
I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up.
I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.
This item has been on my credit report for a few years. I have never received anything from them as to what this is for or who the original creditor is and why I owe them. I have even disputed this with the CRA 's. This negatively impacted my credit score, and has made it extremely difficult to rent a place to live.
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.
During the month of XX/XX/2018 I made two payments to my loan so that I would be ahead. One payment was made on XXXX and the other on XX/XX/XXXX. I noticed when I made the payment for XX/XX/XXXX that my payment for XXXX had not posted to my account. I called my local bank who ensured me that the funds were removed from my account and they were able to send me a copy of the electronic check. Since then I have called my loan company, Huntington National Bank, four times and keep getting different stories from them. The first time I was told that the payment was not received, second was that the payment was returned, third time I was told that the payment was put onto a different account that they would fix it ( this was after the geniuses processed a missing payment request for my payment made on XX/XX/XXXX ), and the fourth time they tried to tell me that they had no record of a payment attempt for that day even though I have my payment confirmation code. My loan company keeps trying to tell me that the payment was made from an account that does not exist. They tell me that the account number used for the payment is an invalid account number. The same day as my fourth call I reached out to my local bank who holds my checking/savings account and they offered to call my loan company themselves. My bank rep ensured them that, dispite their multiple claims of the contrary, the funds were infact released to them from my account and that the account they keep claiming not to exist is a valid account. I have offered on many occasions to send them a copy of my electronic check ( which has the account number they claim to be invalid, their company name, and my loan account number ) but they will not give me that option. I was told last week that I was going to get a call from ... someone ( they wouldnt give me a name or title ) but was honestly not surprised when that call never came. My local bank says its too late to dispute the charge and my loan company keeps saying there is nothing that they can do. I am currently out {$500.00} and feel like my loan company isnt even really trying to figure out what the problem is.
I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.
On XX/XX/XXXX I received a notice that my loan from Loan Depot was being transferred to another division. On the letter it stated my old loan number and my new loan number. the new loan number was the same as the old except for one less digit. I made my payment on time with the new loan number and to the address on the letter. 
On XX/XX/XXXX I received a call that I hadn't paid my mortgage. I checked with my bank and they showed it was received by Loandepot via ACH. When I told Loan Depot this and told them the account number they said I put the wrong account number on there and and they gave me another number. I was transferred back and forth from their XXXX XXXX office which is where the payment went to XXXX. The person at the XXXX  office saw that the problem was that someone at Loandepot had inadvertently put the wrong account number on the letter I received XX/XX/XXXX. She said she would take care of it. 
On XX/XX/XXXX I received an email stating they had called an weren't able to get in contact with me. I take my phone everywhere and there are no unanswered calls. I called the number on the email and they said they were see the payment but couldn't put it on the right account, which just seems XXXX. Loandepot has the payment, see where they made the error, but now they won't correct their error.

Loan Depot is acting in bad faith and not trying to help find my payment and they keep passing the buck around.
Diversified Consultants called my husband at work today in refrence to an account that has been placed with them for collections. the first gentleman that we spoke to stated that the account was from XXXX place but when I asked for a boss I was told another place. I have asked for them to cease and stop calling us until they could provide us with proof of the last payment and the amount and the true creditor. they have advised me that they do not have the ability to provide those docs. I would love to attach docs but they cant provide them