WillisBack/dataset-financial-user-claim huggingface dataset:
Had to dispute a credit card charge. First XXXX cust. serv. operators were in XXXX or something, and they were very courteous. But the XXXX one could not understand me. And the XXXX XXXX I could n't understand him. So I asked to be switched to a XXXX operator and got a nice gal in Kentucky. She could not see any of my charges, she said there were no charges on my card, even though we verified we were talking about the same account. I ended up talking to XXXX or XXXX people before I finally got someone who could help me. And in talking with a manager about this, all they can see are phone calls # XXXX, XXXX and I think XXXX. They 're system definitely does not show my first call. I also got disconnected twice and I 'm on a land line, we do not get disconnects here ever. I was very disappointed at the customer service. Now why this is important is people have the right to dispute a charge, and if the company makes it through their own incompetence and poor training very difficult to contest a charge, a lot of people I know would give up. My mom who was XXXX when she passed away would have given up after the XXXX operator. It 's important that these credit card companies not impede people 's abilities to contest charges. Having over-seas operators works fine if they speak XXXX correctly at least so you can understand them.
The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA XXXX
I have sent telerecovery a certified letter stating that I would like to verify a debt that they are trying to collect. It has been well over 30 days and i have not gotten a response. Also upon checking whether they are licensed in my state i found that the license was in fact expired since 2011. They are continuously verifying that this is my debt through they are not validating it with my request.
Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.
I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.
On XX/XX/2016 I sent Equifax a notarized letter that there were inquiries on my account that I did not verify and did not recognize. I gave them a list of companies that I never asked to verify my credit. I requested that they verify the accounts and send me verifiable proof with my signature. They replied that the inquiries were verified but did not provide me with a verifiable signature from me authorizing the companies to check my credit.
XXXX XXXX XXXX - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.
In reviewing my credit reports I noticed that information on my Trans Union report had been deleted including XXXX tax liens and inquiries however at a closer look I noticed that the information that was deleted had been reinserted. Trans union had a glitch in it 's system that violated my rights as a consumer under section XXXX. As result I 'm asking that all inquiries and public records be removed as it has gravely affected me and my credit score is suffering as result of this action
Harley Davidson Financial has been calling me at work. I have told them twice now not to call me at work. They called on XX/XX/XXXX at XXXX and I told them to not contact me at work. They again called on XXXX and again I told them not to contact me at work. When I got to work this morning, I had a message to call XXXX at XXXX XXXX. I XXXX the number and found it to be from Harley Davidson Financial.  They have also called my ex-wife and two of my friends in the last month and half. They have told them not to contact them and they continue to call them. They don't care about the laws and think they can do whatever they want.
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX. XXXX  : XXXX 2. XXXX ( XXXX : XXXX. Experian : XXXX, XXXX  : XXXX 3. XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX.
On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.
I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment beingXX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and transunion refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.
After only nine months, Capitol One ended my 0 % interest promotion which was supposed to be for 12 months. I called 2 separate times and talked to agents in the XXXX XXXX to get it corrected. They told me many false and conflicting statements. Basically tried to brush me off. When I requested a customer agreement, which I received via online document, it had no verbage or statements about my 0 % interest promotion for 1 year, which they told me it would definitely have. But I read through it several times and it made no mention of it. 
On my second call I explained how the customer agreement was missing that important information and the representative XXXX from XXXX told me it should be there and that was the only written documentation I was ever going to get from Capitol One regarding my cardholder agreement. He told me his system showed 8 months ws the agreement, but he could not produce any written documentation to me what he claims he was seeing. He offered me no other recourse.
On XX/XX/XXXX I reported to my bank ( BB & T ) that there were unauthorized charges on my account. Shortly after they closed the card and sent me a replacement and reversed the charges. The problem is that they sent the new card to an address I never authorized them to use as I did not receive mail there ( I did for a brief period ). I even called them on XX/XX/XXXX at XXXX to ensure that they had the correct address on file as I was having trouble with my credit transactions ( where you have to use your zip code ) and their customer service associate assured me that the address on file was the address I authorized them to use. On XX/XX/XXXX ( XXXX ) I called in and they advised me of the error and told me they would delete the wrong address they had on file, but I would need to call back to request a new card. When I called back on XX/XX/XXXX at XXXX requesting a new card they advised me it would be 5 to 8 business days before I would receive it ( I 've already gone 11 days without access to my bank account ). When I requested it be expedited they told me that I would be charged a {$35.00} dollar fee which they would not waive. When they canceled the debit card that was sent to the wrong address and requested the new debit card they told me I would be charged a {$5.00} fee that they could n't waive at the time and could not guarantee it would be waived if I called back. They recommended that I step into a branch if I was unsatisfied with the time it would take to receive the card, but the nearest branch is 120 miles away ( one way, 240 miles total ). 

This service is unacceptable as everything that 's happened was no fault of my own and my bank refuses to take accountability of their errors. 

I 've accepted that I wo n't be able to buy presents for my family during XXXX XXXX ( the best day to buy gifts ) but now I ca n't even buy groceries or put gas in my car and I pray that I do n't blow a tire or have any other unforeseen issues come up as I have no way of paying for it.
Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files
I have filed several complaints about AmericanExpress, all dealing with the same issue, cyber fraud on our account. American Expresspaid an unauthorized charge made to our accountand seeks to collect on that, plus there are {$1700.00} in hidden charges American Expressrefuses to explain or justify. Now It took me XXXX just to make a payment on the accountof the charges we actually made, and I was sent toAMEX collections, because they automaticallytake disputes out of the dispute process every sixtydays. They do not want you to pay your bill in full, and they do not want you to collect your earnedrewards. I ca n't even get a copy of the most recentarbitration clause, and I have asked for that as well. 
Please read the attached XXXX letters and pleasereview this file and do something. I can not believewe are the only ones to whom this is happening. 
It feels almost like a predatory company to me atthis point, because all we want to do is pay what weowe and no more, and we are being 'stuck up ' andthey are trying to force us to pay for charges thatare either cyber fraud ( which we proved ) or acharge we never authorized that they decided topay without our permission, and ( in fact ) inwhich we stated in no uncertain terms wewould not pay because the charge ( s ) were notauthorized. They need to come up with proofof what we owe them. We have given them ourproof that we do not owe them. Where is the clout behind the law? I have been trying to get thissolved since XX/XX/XXXX 2013. Come on! Show methe proof! We do pay what we owe.
Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data
I purchased  XXXX  credit report/score with credit monitoring. I called to cancel and they cancelled my service immediately and refused to provide a refund for services I would have received for the remainder of the month that was covered.
In reference to Complaint # XXXX and Wells Fargos response I STATE the following. 
I did contact the Relevant State Agencies, as referenced by Wells Fargo, but was told that the BANK DID NEVER TURN IN THE MONEY IN QUESTION. they urged me to forcefully demand it from Wells Fargo.
Credit Karma has assisted an identity thief in accessing my account with them. They have connected a known email account to me, to the Credit Karma account. I lost control of the email address earlier this year. I used to be the owner of that particular gmail acvount, and it was hacked. I submitted documents via mail to credit karma to prove MY identity and restore MY access to MY credit karma account, and somehow they have connected the identity thief 's account directly to it instead.
I made a payment over the phone to Navient to my private loan account, which is the only one I 'm not in deferment for. They applied most of the payment to the deferred account and only {$9.00} to the account I 'm actively making payments on. When I was on the phone I was very clear on which account to apply the payment to.
I made a mobile deposit through Wells Fargo XXXX/XXXX/16 for {$1000.00}. On XXXX/XXXX/16 there was an hold placed on it stating they are getting a refer to maker error when attempting to pull the funds. I contacted XXXX XXXX retirement who issued the check and after looking into it they stated they see nothing wrong with the check and that my bank should have been able to pull the funds. After contacting Wells Fargo and informing them of this they are still stating that they are unable to access the funds. I requested that they release the check so it can be returned to XXXX XXXX so they can issue me a new check but Wells Fargo is stating that it was put into on a 5 day hold and nothing else can be done until XXXX/XXXX/16. My problem is that if the issuing party claims there is nothing with the check something must have went wrong when my bank processed it but they are refusing to do anything about it and no one can tell me what is going on which is very concerning to me.
Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my equifax credit report!!!
My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to XXXX & Experian to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by XXXX & Experian the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
I did manage to read between the lines today ( XXXX XXXX, 2015 ) on the Experian website, and it would appear that by asking for an " initial 90 day '' alert within 30 days of expiration of the initial fraud alert, then the corporation gives an additional 90 day extension ( and alerts the other XXXX ). So I did that and Experian assigned the number XXXX to my request for " initial 90 day '' alert which is actually my request for an additional 90 days to the original 90 days, but I am only reading way between the lines on if I have followed their hidden rules well enough to accomplish this first extension. What is the financial payoff to these XXXX corporations by nbot making it easy to get a 90 day extension? Thank you.
I lost my credit card I went online as soon as i realized, which was late in the evening, reported it lost and requested a replacement card. I called and reported XXXX transactions as fraud XXXX for {$50.00} & XXXX for {$75.00}. I was advised I 'd get a call back to the number on my account. That was over a month ago im still waiting for the call. So i ordered statement copies, like I 've done in the past, I reviewed my account two days later to see a fee for {$100.00} for statement copies. I canceled the order and asked for a credit i got confirmation it was canceled but i was not issued a credit for the fee. Which i was only advised that there may be a fee in a message AFTER i submitted the order.
We are disputing a complaint against Ditech Financial Services regarding two payments that were made XX/XX/XXXX and XX/XX/2016 which they are reporting as 60 days late but they were made within 50 days of the due date. I have documentation to support when these payments were posted and all we are trying to do is to get them to update their records to reflect a 30 day late vs. 60 days so that we can close on a loan transaction. I sent this information to Ditech over two weeks ago requesting that they update their records and email me with a response so that I can provide it to our lender. We called yesterday and they had not even reviewed the request that was faxed. When we ask to speak to a Supervisor we are told that no one is available to speak with us.
I had received a call a while back from iq international. I reached out to XXXX at XXXX in XXXX XXXX for my leasing agreement which they failed to provide to me stating they no longer have it. I had also emailed iq international to verify this debt at which they did not reply. I had also emailed them to stop calling me at which they did not correspond to. Also getting harassing phone calls from unknown, no caller ID, XXXX, XXXX numbers. Tried disputing this with XXXX.
XX/XX/XXXX XXXX XXXX XXXX XXXX FL Value XXXX I contact the company, Citi Card, via chat around XX/XX/XXXX to report the fraudulent transaction and to get a new card issued. I was told that credit would be applied in three days. Since then, I have contacted Citi three separate times, where they say 2-3 business days for the credit to apply. 2-3 business days have long passed, without the credit. 

They keep kicking this credit down the road, and I can not reach a resolution.
XXXX   XXXX  i lost my chase credit card at my sister house but later figured that my card was missing i did n't think anything of it because i got my card back. I noticed when i checked my online account and call the company they said my account was closed. I got my card back  XXXX   XXXX  after fake checks was placed into my account i called my chase company when i got my card back they said they closed my account because of the fake checked but i ca n't reopen a account with them because of that i want to reopen an account with chase after my pin to the card has been changed and i want to get a new card but they wo n't reopen the account unless the fake checks has been cleared
Back in XXXX XXXX I submitted complaint XXXX against Wells Fargo Dealer Services for inaccuracies on our account. On XXXX XXXX they clearly printed there response to our case and due to the outcome of our evidence. They decided to no longer pursue this debt. And said it would be wiped clean and reported to all 3 credit agencies and off of our credit report within 30 days. Today is XXXX XXXX, And today we received a notice from XXXX stating they were n't removing the debt off of there and it would stay on until XXXX. We are having the same problem with XXXX regarding this account. They refuse to remove it. I have submitted the paperwork showing that indeed this debt is not valid anymore. And it clearly states in the letter that it will be removed off of all 3 agencies. We have already tried our part with the agencies by faxing over that letter. And they still wo n't respond or just give a general vague response. XXXX removed it very quickly. And we are n't going to keep going back to the other agencies. Overtime we do that they start a new case and use that crutch for another 30 days to resolve. Right now there are 3 separate cases with transition and they are all regarding the same debt and issue. Same with XXXX. They say upload the proof to them on there site. But the site will not let you upload the docs. Both companies have verified on a recorded line that I have in my possession that they indeed receive all of the info But again keep using there 30 day cushion window to keep messing with our credit. Its been beyond the 30 days from the time this letter was typed up. We were told end of XXXX is the allotted time period. We are almost in XXXX. It is not our job as the consumer to chase down and talk to the 3 agencies and spend hours on hold. To get a debt removed that the company has clearly said is not a valid debt and they have also said that all 3 agencies were already notified and should be done by XXXX XXXX. Our job was to jump through the hoops and get ourselves our debts paid and removed. They are in direct violation of FDCPA laws. And at this point we can start seeking damages that are related to this matter.And any other violations that fall under the FDCPA laws that pertain to this matter.