WillisBack/dataset-financial-user-claim huggingface dataset:
I made two purchases through XXXX for home goods and furnishings. I was charged for these in XX/XX/2018 ( although the good were not delivered until sometime after that. ). 
When the good were delivered they were defective. Because they were defective and the company refused to taken them back ( claiming the return period had ended ) and had refused to give a credit, I notified the issuer of the Credit Card properly to make a claim under the special rule for credit card purchases. This claim ( a copy of which is attached ) was sent to the address the company requested by mail. The letter dated XX/XX/2018 read as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Rhode Island XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX RE : XXXX Account Number XXXX I am writing to notify you of two claims under the special rule for credit card purchases. The reason for these claims is that the merchandise is defectiveit does not meet the implied warranties of fitness and suitability. Further there are material defects in the merchandise supplied by XXXX to fulfill these orders. ( Pictures are available should you require them. ) Therefore I seek an immediate and permanent credit of : {$220.00} for order number XXXX charged on XX/XX/2018 {$1500.00} for order number XXXX charged on XX/XX/2018 I have tried to work with XXXX to resolve these problems without success. Therefore, I now must rely on my rights under the special rule for credit card purchases and ask that these charges of {$220.00} and {$1500.00} be refunded to my account immediately. 
Kind regards, /s/ XXXX XXXX Subsequently pictures of the defective and damaged items were provided during the " investigation period. '' The credit card company violated federal law by recharging me for these defective good repeatedly and claiming that the " return period had ended '' and therefore there was no remedy available. I have shared all of this information with the House of Representatives Government  Oversight Committee which is apparently investigating why CFPB is no longer doing its duty under the law. 

The defective and damaged merchandise still remains available for the merchant to come and get or inspect.
ive sent them multiple letters and they refuse to respond or validate the debt they claim i owe. Ive recently received a letter and email from them stating that they didnt have to validate my debt or answer to my dispute letters because i didnt dispute within 5 days. This is absurd and they still cant not send me an original contract with my signature. I have sent multiple letters and they havent responded within the 30 day period. My next step is small claims court. they keep harrasing me by email and phone after they already have broken the law. This needs to be removed from all bureaus because there lack of responses and inability to verify the alleged debt.
I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.
Used Atm for a withdrawal of {$400.00} ( 4 ) {$100.00} currency Bill 's but received ( 2 ) {$100.00} currency bills and ( 2 ) {$5.00} currency bills. Held up to camera and went straight into the bank to recover correct amount. They have me a temporary credit of {$190.00} but 2 weeks later took it back.
We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order.
Hi - I have tried calling all three of credit bureau's to put a freeze on my credit.  None of these companies want to assist me over the phone to put the freeze on my credit but instead are trying to push me to do it online.  I do not want to provide SSN numbers or other sensitive information online.  In addition, these companies are required to assist people over the phone.  The government organization's that oversee the bureau's need to be much more strict with these companies (just like you are with the banks) so they appropriately service their customers who make them millions of dollars each year.

Thank you,
XXXX Loans in XXXX Ga brought Instaloan Loans that were found to have been illegally constructed through the usage of fraud, Not truthfully disclosed charges on the truth and lending disclosure among other founded violations by the Court of law. These loans have been found to have been predatory in their lending, However, even after consulting with XXXX Loan They insists on collecting on these illegally obtained loans. They have started clients with new loan numbers, new Finance charges and new interest rates patenting the paperwork to appear like it is a new loan with XXXX when in actuality they are the same loans from XXXX that has been shut down in the state of Georgia. These loans were illegally gained and should not have been allowed to have been brought by XXXX XXXX XXXX or any other organization.
I have disputed this account for {$850.00} numerous times with the credit bureaus as the debt is not mine. XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
I have had a mortgage with XXXX XXXX for over XXXX yrs. and now my loan has been transferred to SSL ( Specialized Loan Servicing ) which I am VERY, VERY unhappy about. I have been on XXXX XXXX 's bi monthly program for the past 13+ years which saves me significant interest over the life of the loan. But SSL does not offer a bi monthly payment service and so now this change ( that I had no control over ) is going to cost me significantly more over the life of the loan and this is NOT what was agreed upon with my loan officer when I got the mortgage with XXXX XXXX. 
Is there anything that can be done?
I made a payment on line and apparently keyed in the wrong bank account number.  Huntington  bank could n't process the payment so they changed me {$55.00} in NSF fees. How can they charge me NSF fees when it never made it to my account? It 's a returned item, not an NSF and they should n't be allowed to change an NSF fee for a returned item.
I recently enrolled in an identity protection service and on my credit report I found an old revolving account opened in 2004 which should be closed. It indicated the creditor is CBNA and their address is XXXX XXXX XXXX XXXX, SD XXXX. No phone number was available. An internet search lead me to believe that this is affiliated with XXXX XXXX, but none of the numbers I was able to find for them got me to anyone who could help me. I would like this account closed and reported as such to the credit bureaus. I tried to contact XXXX to dispute the account, but I was unable to get through their phone maze nor was I able to get anything done through their website.
Was not informed about the charges or debt collection actions. Never received an opportunity to dispute debt before being placed on my account.
XXXX is XXXX pulling a scam. XXXX confirmed my cancellation and recieved all the proof they asked for but still has not resolved this issue and claiming I owe for a phone which is a complete lie ( proof provided ).
XXXX XXXX has been working with servicer, PennyMac, for over four years trying to accomplish a short sale or a deed in lieu. XXXX first contacted her mortgage servicer when her hardship began to avoid foreclosure and find a resolution that benefited all parties involved. Upon review of the short sale in XXXX, PennyMac declined the short sale and encouraged XXXX to complete a deed in lieu of foreclosure instead. Upon completion of the DIL review, PennyMac then advised XXXX to re-list the property as a short sale and attempt the short sale. This was incredibly misleading as the previous buyer walked when the short sale was declined. Now, years have gone by without resolution on the debt and PennyMac 's unwillingness to work with her has caused the property to go into foreclosure. Once again in XXXX, the property was listed for sale via a short sale and an offer was received on the property. We ultimately had to dispute the value set forth by the VA and we had an agreed upon adjusted value and offer in the amount of XXXX. PennyMac then issued a decline on the XXXX offer stating that the net proceeds were unacceptable due to the deficiency on the loan. We reached out to the VA and they confirmed that PennyMac 's decline does not abide by VA servicing guide and that the servicer, PennyMac, should have accepted the short sale offer on the property. Please see attachment. Since XXXX XXXX, we have been unable to get answers on PennyMac 's short sale decline. The court agreed to cancel the foreclosure sale date of XXXX and reset the sale date to XXXX to allow additional time to close on the short sale. The foreclosure sale date is now re-approaching and we have not gotten anywhere with PennyMac. They have encouraged XXXX, yet again, to apply for a deed in lieu. There is a decent offer on the property which should have been accepted back in XXXX. It is clear that PennyMac is not willing to work with this homeowner who is clearly trying to avoid foreclosure and find a resolution.
Names appear on my credit report that I have never been known by and was told that they can not be removed by the reporting agency Experian.
I have 2 collection agencies trying to collect a debt i dont owe. I disputed this debt numerous times but unfortunately the credit bureaus would not remove it. I just received another offer from a different agency than the one thats on my credit report. Since nobody knows who I should pay then it should be removed from my report until a fair investigation is completed. I dont owe this debt. I never opened any account with XXXX XXXX.
I disconnected my XXXX cable and phone service in XXXX 2015. I paid my last bill which includes prepayment of the next billing cycle. So I never expected to get a call from a collection agency for this account. 3 months later, I got a call from a collection agency that I owe XXXX money. I requested the detail of the amount charged, but the collection agency could n't provide because they only got limited information from XXXX, and XXXX could n't provide because the account is already closed. I was never informed about this charge until the collection agency reported this to credit bureau and called me afterward.
OnXX/XX/XXXX I contacted XXXX XXXX and informed them of my mothers XXXX and requested them to transfer funds in the account XXXX to me mothers estate account, my name is on the XXXX   account but they requested I close out the account which would take less than 9 days. I emailed them her death certificate, Affidavit of Domicile and Letter of Authorization for wire transfer. On XX/XX/XXXX I verified that they received all the documents they required and was promised that this would be all that was required and the would transfer the funds within the next 9 days. On XX/XX/XXXX I contacted them again as they had not transfered the funds and was told that I needed to complete 3 items and 2 of the items were complete and the third item was a sales pitch for me to put my name on the account and keep it with them, I told them that the estate was to be divided to several people. Still nothing had been done and no one had contacted me so I called them on XX/XX/XXXX and told them they needed to act on this that day and again they promised to return my call that day but never did. I have been dealing with : XXXX XXXX  Relationship Consultant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX  phone XXXX XXXX XXXX   sXXXX XXXX
XXXX and Equifax are reporting events that occurred in XXXX. My attempts to have Equifax stop reporting the stale, out-of-date information have not been successful as of a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, stating the out-of-date information would continue because XXXX continues to " update '' the out-of-date information.
Called me at XXXX XXXX, did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.
After receiving on XX/XX/XXXX a dunning letter dated of XX/XX/XXXX from Rent Recovery Solutions for an alleged debt of {$1500.00}, I sent a validation letter on XX/XX/XXXX with a cease and desist request in response via certified mail respecting then the 30 days timeframe deadline to dispute the claim. According to the FDCPA 15 U.S.C. 1692-1692o, all collection attempts must cease until the debt collector obtains verification of the debt from the creditor and a copy of such verification results must be mailed to the consumer showing evidence of the alleged debt. Yet, Rent Recovery violated such law by not only failing to provide such proof of validation but also by still attempting to collect the alleged debt during the verification process period through repeating, abusive and harassing phone calls even at my workplace informing then my coworkers of my personal issue with a collection agency about an alleged rent debt. In addition to that, on XX/XX/XXXX Rent Recovery reported an invalidated and inaccurate derogatory account to my credit report violating both the FDCPA and the FCRA laws against my person hence my complaint here.
I mailed a principal payment in the amount of {$6200.00} overnight via XXXX  on XX/XX/18. 
It was received and signed for on XX/XX/18. They posted the check on XX/XX/18 and back dated it to XX/XX/18 and it should have been back dated to the date received which was XX/XX/18. 

I called customer service and then escalated to a manager, I advised I should not be paying interest on {$6200.00} for 7 days that the check was floating around their office and that the check should be back dated to the date received which was XX/XX/18. The manager told me " they post the check when it comes across their desk and they are in the XXXX so they don't have to follow the rules of the USA ''.
BWW LAW GROUP, LLC ATTORNEYS AT LAW A DEBT COLLECTOR IN VIOLATION OF FDCPA AND IN FEDERAL VIOLATION AGAINST ME AND MY RIGHTS. THEY ARE THE BIGGEST SCAM!!!! 

I HAVE ASKED FOR A TRIAL BY JURY FOR THE ALLEGED CLAIMS OF THE DEBT THEY CLAIM TO OWE WHICH THEY DO NOT. ALL THEY DO IS HARASS FILE FICTITIOUS PAPERWORK ACTING AS ATTORNEYS AND DEBT COLLECTORS AND ASSIGNING PAPERWORK BUT WHEN I RESPOND THEY IGNORE AND VIOLATE ME. I DEMAND A TRIAL AND I PLAN ON SUIING IN XXXX XXXX COURT.
FHA is requiring me to be late due to a short sale via a hardship. 

Divorce proceedings were started XX/XX/XXXX and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.
I requested a transfer into my savings account from a linked checking account, via ACH. I later discovered that there the bank applies a five day hold on ACH deposits, which is not disclosed in their materials and is materially longer than the ACH transaction clearing process.
Ive been called XXXX times a month or more for years by debt collectors looking for someone who doesnt exist at my number. I have given them my name and the fact im a retired veteran and how long ive had the phone number for ( over a decade ) both in a polite and angry manner, allways telling them to stop calling but they dont. I should not have to change my number since its the number the XXXX and military knows. They are harassing the wrong person calling at XXXX at night and XXXX in the morning. the last numbers were XXXX and XXXX.
I borrowed from XXXX/Naviant back in XX/XX/2011 and have since graduated. I am a XXXX with a XXXX and a husband who works part time so we can avoid paying child care. We live pay check to pay check and I have called Naviant who asks for XXXX $ so dollars from me each month to get an income based plan and have been told no. They put me in forbearance and have killed my credit. They have made me intimidated to call and make me feel like they could care less if I am struggling to pay. I do n't know what to do anymore and continue to go in forbearance because this is the solution they offer.
Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to trans union/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX