WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, we purchased a treadmill through XXXX for {$1300.00} on our Chase ( Southwest Airlines ) card. The treadmill was not delivered to us -- with many ( documented ) calls and chats to/from XXXX. We received tracking information showing it was delivered to someone we don't know in a different city. XXXX kept asking for more time to deliver it to us.

On XX/XX/XXXX, after 6 weeks, we disputed the charge with Chase after trying to cancel the order with XXXX. XXXX then challenged our dispute -- stating they had delivered the treadmill. After many calls with Chase, we mailed back to them a 50+-page packet on XX/XX/XXXX showing our paper trail ( chat call logs and dates/times of phone calls, etc ) including the delivery of the treadmill to the other city, not to our home address as it showed on the order. Chase had sent that packet to us -- and it already showed our address on the order, as well as the address in the other city where it was delivered. In talking with Chase representatives, they never seemed to " understand '' that they had the information -- instead putting the onus of proof on us.

Today, XX/XX/XXXX, I received an email from Chase that the " Return Protection '' on my card is no longer available -- even though the dispute has not been resolved yet. I called Chase. I spoke with two different representatives trying to complain about the Return Protection being cancelled. XXXX told me that the service provider for benefits is a different company. I asked her if Chase does not care that this other provider is not handling disputes well and that I plan to cancel my card. She re-directed my call back to the original menu. After being on hold again, I hung up.

I am complaining that my " Return Protection '' was terminated simply because I challenged the charge -- even before the dispute has been resolved. I also am complaining that disputing the charge has been difficult and time-consuming when they had evidence that we never received the treadmill.
I want Equifax to review the attached letters of proof of payment from XXXX XXXX XXXX. I paid the full balance off of the following accounts : XXXX XXXX XXXX and XXXX because, I want the accounts deleted from my credit report. The above accounts do not belong to me. The accounts are a result of identity theft. I am a victim of identity theft. 
The accounts are paid.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.
I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX  opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( XXXX and Experian ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.
Started recieving SSI benefits in XX/XX/XXXX. Direct Express is the company contracts with the Government to distribute these benefits. XX/XX/XXXX during a check of my ballance I discover a charge for {$39.00}. Called to dispute the transaction after viewing numerous consumer complaints on line about the company. After several attempts to resolve the issue it was recommended the card be cancelled and reissued. However in the online comments it was stated that this did not resolve the issue. Further, after being told the issue was resolved, consumers still faced the same issues. Supervisor XXXX of Direct Express hung up without initiating my dispute when I demanded the service be discontinued. 
I spent several hours just to get to that point to avoid the fraudulent practices and am not willing to go through it again.
I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor.  Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee).  Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.
NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!
Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!
Synchrony Care credit card account # XXXX, I got behind on my payments. received an email XXXX17 stating I could settle the balance for {$1800.00} as long as I respond by XXXX2017. Setting possible payment options in motion I called *synchrony bank* on XXXX-2017 to arrange for the settlement and subsequent closure of the care credit card. The first contact was XXXX- who proceeded with the dunning script even after I mentioned the email offer, then stated needs to *evaluate* if I qualify. Then stated he would have to pass me on to a specialist- next representative is XXXX- lots of questions - some pretty bold and rude- but finally states that the bank with extend a settlement offer of total {$1600.00} in 3 payments, due each coming XXXX and in the amount of {$540.00}, {$540.00} and {$560.00} to clear the account. she advised me that I will receive a XXXX for cancelation of debt and the IRS will be advised and I am to receive a letter outlining the settlement agreement within the next 10 days. on XXXX2017 I called the bank again inquiring about the letter to receive, spoke with XXXX and after the dunning script actually looked into my account and stated the request for the letter was made on XXXX2017 and should be received already- which it was n't. By XXXX2017 I still had no letter but made my first payment. Synchrony Bank sent me a confirmation of payment received via email on XXXX17 but still no settlement letter. On XXXX-2017 I again reached out to Synchrony Bank and spoke with XXXX, after the dunning script he confirmed a settlement letter was requested and apparently mailed XXXX17 but not sure from which office. he assumes the XXXX FL office. I informed him to be taking further steps if not receiving the letter by XXXX2017. By XXXX2017 however, I filed a complaint with BBB under case # XXXX. BBB sent the 1st notice to Synchrony Bank on XXXX2017 and a 2nd notice XXXX2017, still no response. On XXXX17 I  received an email from Synchrony Bank reminding me that I have a settlement installment due by XXXX2017 and that I need to follow the *terms and conditions* as outlined in the settlement letter, which I still have not received. So today, XXXX2017@XXXX MST, I reached out to Synchrony Bank again and talked to XXXX. after the dunning script she *found* the flagging for  settlement. I gave her my rundown of contacts and discussions on previous calls and requested a copy of the settlement letter to be faxed or emailed to me- since the last email made it so clear that I need to *follow* the letters instructions. I was placed on hold several times and XXXX claims that she can only mail - thru the postal service- and it took 3 hold times to get her to request another letter to get sent. in the meantime I have received payment reminders by mail and email for the account with no settlement status consideration/notation. I advised XXXX that the bank is able to reach out to me by mail and email with other documents but the one that is to get issued by a representative does n't get to me and that it 's been over a month since it was to have been issued. No emailed settlement letter was sent to me and still no mailed letter either.
On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my XXXX  and Equifax report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you
I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, XXXX XXXX and american education services, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with american education services just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with navient of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
This company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line
1. never received notice of right to dispute prior to posting the XXXX ( XXXX ) collection account on my credit. They simply threw this on there and was noticed in XX/XX/XXXX. 
2. have repeated requested validation of debt other then a lump sum invoice, such as a copy of the contract, receipt or purchase order for 7 months to date, collection company refuses to provide validation of this debt. 
3. Delinquency Invoice ( not contract, receipt, payment initiation or any other record ) from original creditor provided by collection agency does not coincide with the data furnished by collection agency 's 'date of delinquency ' reported as XX/XX/XXXX by collection agency and Invoice of XX/XX/XXXX.- Inaccurate Reporting. 
4. Data furnished by collection agency does not report to my credit report as 'disputed '. collection agency cont to report to XXXX, no information, past due acct only and XXXX as 'seriously past due'- not furnished acct is disputed.
this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.
In correspondence dated    XXXX   XXXX   2017   I  mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
XXXX XXXX has reported my account as still in collections on XXXX/XXXX/15 ; however, I paid the balance due in full on XXXX/XXXX/15. The first payment made was on XXXX/XXXX/15 in the amount of {$44.00}. The second payment made was on XXXX/XXXX/15 in the amount of {$130.00}. I am attaching certified documents from my bank showing that these payments were made.
Account : XXXX Fraud ADDRESS : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX Outstand Balance : {$340.00} Victim : XXXX XXXX This submission is regarding a conversation I had with a XXXX XXXX XXXX XXXX  ( XXXX ) rep i had on XX/XX/XXXX. I was following-up on a case regarding stolen identity. 

Background : I moved from XXXX XXXX XXXX to XXXX XXXX  back in XX/XX/XXXX. Subsequent to my move, an unauthorized utility gas account was opened in my name on XX/XX/XXXX at the address listed above. Apparently, the individual failed to pay and XXXX filed a non-pay inquiry to the credit bureau Experian. On XX/XX/XXXX, I filed a complaint with XXXX  which is when I identified the fraud against me because I was applying for a mortgage in XXXX  and could not secure the loan due to the negative inquiry. I supplied XXXX with a police report at that time. Please note, according to XXXX customer relations, they received the credit report on XX/XX/XXXX but have yet to do anything. Back in XX/XX/XXXX, I was able to secure my mortgage loan due to that police report and I did not pursue following-up on the investigation of identity theft with XXXX. Now, on XX/XX/XXXX I was attempting to re-fi my mortgage and due to this inquiry on my credit report the mortgage company would not move forward with the re-fi. On XX/XX/XXXX, I reached out to XXXX to continue this follow-up from roughly two years back. I requested to have a XXXX supervisor contact me regarding this matter as well as provide me with the information taken when this account was set up. I have yet to receive any follow-up from XXXX regarding the matter. 

Important Note : The police report indicates the plaintiff company is XXXX XXXX XXXX but that's only because XXXX was bought out by XXXX since the time of the incident. 

My credit has been negatively impacted due to this issue thus preventing me from being able to refinance my mortgage or obtained a more favorable credit score.
I received a letter from a company called XXXX who is collecting on behalf of Conn 's Furniture. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report ( Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgments or tax liens. A Bankruptcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this Complaint will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court local to me, in order to formally defend yourself.
When I registered for college I was assured I would find a job and the college would make sure of it. It was a terrible experience. New instructors every month, always out of supplies, incorrect test answers, the whole thing was a mess. I got an externship but then lost it and the school refused to help me get a new one. I never got a degree and I owe thousands in student loans.
I am enrolled in the Public Service Loan Forgiveness program, and my loans are serviced by XXXX XXXX. 

I have a XX/XX/XXXX letter indicating that for the months between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX says I made 5 qualifying payments for some loan sequences, and 9 for the rest. However, I have a XX/XX/XXXX letter from XXXX XXXX stating previously that I had made 10 payments over that time period for each loan sequence. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, in the XX/XX/XXXX letter,  XXXX XXXX says that I made 5 qualifying payments for all loan sequences over that time period. In fact, I made 12 qualifying payments.