WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX/XXXX with no successful resolution. XXXX, XXXX, and XXXX   only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through XXXX XXXX that I am not under any obligation to pay this company. This company is illegally demanding payment.
Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} " balance '' and my {$73.00} " balance '' but have not received a response.
BANK OF AMERICA IS CHARGING ME XXXX FOR MERCHANDISE I NEVER RECIEVED OR PURCHASED FROM AN ALLEGED MERCHANT WHO PROVIDED FALSE AND BOGUS DOCUMENTATION TO BANK OF AMERICA. I NEVER PURCHASED OR RECIEVED ANY MERCHANDISE FROM THIS MERCHANT. BANK OF AMERICA HAS A PROPENSITY OF ENGAGING IN THIS ILLEGAL AND UNETHICAL BANKING PRACTICE.
Company has been calling many different people including an old roommate from 1997. They are telling them a court case is being filed against me. They know my number, yet they are using an unfair tactic of calling my known acquaintances to embarass me. They should only call me. I tried to get them to give me the numbers they have been calling but they refused, and they also spoke to me in an abusive language.
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX
We have mortgage with Ditech Financial LLC.We got transferred from XXXX XXXX to Green Tree Servicing LLC on XXXX XXXX. On XXXX XXXX Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in XXXX, 2015. This agreement suppouse to start on XXXX XXXX. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the XXXX of each month ), because my husband got his XXXX pension electronic deposit on the XXXX of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of XXXX each month in assigned line in agreement. 
On XXXX 2015 electronic system triggered mortgage payment right on XXXX day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us XXXX fines : {$35.00} Bank Overdraft Charge, and {$9.00} ODP Primary ( CR ) Fee.Altogether : {$44.00}. 
We are low income senior citizens and every cent is important to us. We contacted this mortgage company many times, write letter with explanations and ask to pay {$44.00} back to us, because it was clearly their mistake or a lie! They send letter of refusal. That was our first unresolved dispute. 
XXXX is even more disturbing. 
All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and XXXX XXXX give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay XXXX more per month until XXXX 2015! We already pay {$200.00} more for XXXX 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only XXXX of escrow amount?! This behavior need to be stop!
Capital One violated California Civil Code Section 1747.85 by cancelling my credit card without first giving 30 days ' written notice of its intention to do so. 

Capital One is blocking any finding of its accountability under the cited law by refusing and/or failing to provide information on a consumer 's recourse, specifically whether they consent to consumer arbitration as a method of resolution. By refusing/failing to provide such they are thwarting my and other consumer 's rights to fairness and accountability. 

I have tried to ascertain the information on consumer recourse by directly calling the bank and discussing the issue with a representative of the Capital One executive team, speaking to a consumer rights attorney, and by analyzing the card member agreement. All such investigations did not yield an answer as to a consumer 's recourse against Capital One for an alleged violation of the law by Capital One.
XXXX/XXXX/XXXX Experian -- - XXXX attempts were made by me to receive my yearly credit report ( online ). Both times I received an error message asking me to try again later. No reason, or follow up information was given. 
Experian 's identity verification questions are confusing. 
Some questions were worded in the present tense, asking about bank accounts that have n't been active in a long time, which is very confusing. 
Some questions were impossible to answer correctly. 
Example : " Name the model year of the car you leased or purchased prior to XXXX XXXX '' With XXXX & XXXX BOTH listed as possible answers ... .You can only choose XXXX answer, but I 've purchased both XXXX, and XXXX model vehicles.
How ever many attempts to speak with XXXX per operator. They state he should called me back than they transfer Me XXXX and said he would called me back.XXXX if this number is right still no called from your agency 's of Transworld collection. Now since XXXX sent my loan to Tranworld no one answer the phone for the whole of this month, I need to speak with someone about my loan please help someone from Transworld Collection thanks. As of XX/XX/2016 no answer please someone help this retired senior citizens please help some body hear my cry. Thanks.
I signed up for Equifax 's XXXX XXXX XXXX on XX/XX/2017. This was after being told I was XXXX of XXXX XXXX people " possibly compromised '' by their so called data breach announced in XX/XX/2017. 
The service was offered free with the promise of a credit report copy, a credit lock on my personal credit report, and credit monitoring from the three major credit bureaus. 
After my registration, their site stated it would " take a few days '' for credit monitoring to begin from the other agencies. It has now been FIVE MONTHS. Their web site still states the same thing and you can not talk to a live person in this country about this issue. They use call centers outside the US and hide behind " no reply '' email accounts. 
I will NOT discuss private personal data with a non USA citizen in another country. 
I also signed up for XXXX 's XXXX XXXX credit monitoring in XX/XX/2017. This was because Equifax had not come through as promised. They too promised credit monitoring and the ability to put a lock on my credit report at my discretion. Immediately after signing up, I was told a lock could NOT be activated and told to call a customer service number which is a call center outside the US. Again, I will NOT discuss my info with non citizens outside this country. They were given all my info during the registration. I am unable to lock my credit reports from two agencies and starting to see signs of fraud and identity theft. I believe these two agencies are in this SCAM together.
This company has taken our dream and crushed it beyond repair. They have misapplied all my payments. The taxes were incorrect on our property. I started in XX/XX/XXXX submitted the corrected bills, they still did nothing. Now it is XX/XX/XXXX and we are still at square one. Total, I have submitted the needed paperwork XXXX times. They have the account so twisted, I am not sure what kind of money I should have in escrow and what should have been paid back to us. Please help us. They are trying to take our house away. We are XXXX time homebuyers and wish we could just get some help. I contacted the XXXX and this company has not responded to them either. Please please please we beg you to help us.
I received an alert email last nite from Equifax letting me know my credit report was ready ... the problem with that is I did not access nor request my report ... Equifax told me the request came from XXXX ... they completely disavowed any knowledge of how it happened ... who pulled it or anything else ... their solution to my issue was to get on a computer to stop others from pulling my report ... they refused to put a freeze on it even though they are the reporting agency ... I am astounded that in 2015 someone can pull my report from anywhere other than where I live and it sent up no security alerts ... 
Then this morning I get a call from XXXX XXXX for my XXXX XXXX asking if I had made multiple charges on the account and they read them off ... it was north of {$3500.00} and as the rep was asking me about them he stopped himself and said wait ... the charges were made in XXXX ... I live in New Your, United States ... so if the bank can see where the charges originated why ca n't the credit bureau see where my report request came from? 
XXXX closed my account ... issued me a new card and started a fraud investigation ... Equifax did nothing ... 

Please help me with this matter ... thank you in advance ...
On XX/XX/XXXX I purchased a XXXX treadmill from the online XXXX and XXXX XXXX Exchange store and it was shipped off and delivered broken XX/XX/XXXX. Icon customer service sold me an assembly in my room of choice with XXXX XXXX in XXXX XXXX XXXX, Arkansas to come out to my duplex in XXXX, Arkansas XX/XX/XXXX. XXXX could not complete the job or come back because the treadmill was broken. Icon in Utah kept sending me the treadmill piece by piece. Finally, XXXX refunded me the treadmill, the treadmill mat, and the treadmill maintenance kit a week after XXXX  and XXXX XXXX in XXXX XXXX came back out to my duplex at no cost to me to pick up the broken XXXX after I used my own boxes and blankets to attempt to pack up the pieces. I attached a file of all the dockets. I spoke to a XXXX XX/XX/XXXX and XX/XX/XXXX to close the contract.
I purchased home in

XX/XX/XXXX. In the start of XX/XX/XXXX I tr
ied to remove PMI, had multiple attempts through calls and emails and never got a clear answer why I could not remove. 
In XX/XX/XXXX, Escrow statement sent, shortage, needed to pay in full {$3800.00} or it would be spread over 12 months combined with the increased new payment added {$630.00} each month. 
I have an excellent credit score and  trying to keep that integrity as well as maintain payments so I can live in my home. I find this 64 % increase unacceptable and hard to believe its legit. I have called, emailed and went to this lenders website. I have experienced " number not in use '' messages, extremely busy messages, and also 2 live calls resulting in being put on hold and promised when the supervisor is free they would call back, but never have. Recently, I have been sent automated emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all stating the same thing that they are waiting to hear from me. I did get a reply but that individual stated " I'm sorry that was an automatic email that's going out. They haven't turned them off yet. I am no longer originating loans for ( ), they are closing the XXXX office. You may want to go to XXXX for the lowest rates in your area right now ''. 
So I can't get in touch to discuss and now I question how accurate and legal this all is. I did XX/XX/XXXX payments to cover the shortage and new payment, but I would like this matter looking into and get some clarity on why such a dramatic change. Thank you.
On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
I received a mailer offering XXXX bonus XXXX miles after I had spent {$2500.00} each month from XX/XX/XXXX-XX/XX/XXXX. I opted in on the website as directed, and completed the {$2500.00} per month spending per the terms. The miles were supposed to post within 8 weeks of the promotion end date and they have not yet posted, it has been nearly 12 weeks. I have tried on multiple ( 10+ ) occasions to work with Barclays and they have opened two separate " cases '' # XXXX and XXXX however nothing has come of these and I have received nothing but half responses to my questions.
On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.
some one stole my check books although i was not 100 % sure where or how. i could only assume it happened on XX/XX/2015 when i went to wash my suv. on XX/XX/2015 my XXXX called notifying me someone was trying to cash a check but they would not honor it because the signature did not match with my signature, however my " chase bank account '' not only cashed XXXX different checks with no matching signatures on the same day XX/XX/2015 they would not refund me the amounts stolen and although i filed a police report. chase claimes it was my fault claiming " i substanially contributed to the making of the forgery '' REALLY?!! what is that supposed to mean .. why? didnt chase bank notice the signature did not match .. XXXX not only noticed that the signature did n't match but they contacted me right away to inform me and the thief was unable to get any funds from this account ( XXXX )
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XX/XX/XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT Toyota. XX/XX/XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from Toyota ) I wrote a letter disputing the disposition fee charge of {$350.00}.XX/XX/XXXX To  Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XX/XX/XXXX for a settlement at a less amount from Toyota {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XX/XX/XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from Toyota. I sent this letter to both of them. Here it is XX/XX/XXXX and I received another letter from XXXX XXXX XXXX that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
I experienced some health issues XX/XX/XXXX and was hospitalized in XX/XX/XXXX and XX/XX/XXXX. At the time, my student loans were still within the grace period, with the exception of XXXX consolidated loans. As soon as I was made aware that my loans were coming due, I spoke with a customer representative and explained my recent health complications and my inability to make the large student loan payments. I was told that I could apply for the income-based repayment plan and to complete the application online. My first attempt to complete the online application was in XX/XX/XXXX. I was later contacted by FedLoan about my payment status. I informed the representative that I completed the online income-based repayment application. The representative was unable to locate the application. I made several more attempts in XX/XX/XXXX and XX/XX/XXXX. I contacted FedLoan and StudentLoan.gov regarding the issues with the online application. There are online-accessible records reflecting XXXX of my XXXX, XXXX attempts. It was not until XX/XX/XXXX that the application was able to be processed and this was only after an hour or more conversation with a representative that assisted with the application and technical issues. The representative kindly stayed on the phone with me until she was able to see confirmation of the completed application since I had previously submitted several applications. At no time during any one of the numerous conversations with the representatives from XX/XX/XXXX to XX/XX/XXXX, was I ever told to request a forbearance to resolve the late/outstanding payment. Rather, due to the technical issues we were advised that the issue would be resolved upon the approval of the repayment application. It was not until I received a subsequent call regarding the late payments, which were not the income-based repayment amounts, was I told that the late/outstanding payments issue had not been resolved but that I could now request a forbearance since I was unable to pay the delinquent amount. I completed the forbearance request and was later approved. It was not until recent that I discovered the late payments reported to the credit bureaus. I submitted a dispute based on the forbearance and was information that retroactive forbearance do not relate to any credit reporting, which I think is unacceptable but nonetheless. However, my XXXX consolidated loans began reflecting late payments when I was experiencing health issues. More importantly, the late payments reported for XX/XX/XXXX and XX/XX/XXXX do not accurately reflect the circumstances and inability of processing my numerous repayment applications through no fault of my own and due to technical and/or communication issues with StudentLoan.gov and Fed Loan. Additionally, I should have been made aware that the application issues would not resolve any outstanding payments and advised of my option to request a forbearance.
I have been paying on this loan for the past 8 years ( since 2009 ) and the balance has actually increased to more than what I borrowed due to the outrageous interest. I have paid more than $ 13k and the loan balance has only risen.
In XXXX 2014, I was visiting a XXXX XXXX store and was offered to sign up for a rewards account to earn points for purchases at the store. The clerk assured me it was not an application for a credit card, so I provided my name, address, and phone number. I did not provide my social security number. A few days later, I received a letter from XXXX XXXX stating that the credit card application they received in my name was incomplete, so they could not give me a credit card. I immediately called the customer service number on the letter and explained the situation. They apologized and said that any resulting inquiry on my credit file would be removed. To this date ( XXXX XXXX, 2015 ) the inquiry remains on my credit file with TransUnion. I would like the inquiry on my TransUnion credit file removed because I did not apply for the credit card and the employee at XXXX XXXX submitted my name and address as an application for credit.
Our mortgage was with Ditech and was sold in XX/XX/2016. We are attempting to purchase a new home and Ditech is reporting that our home was settled for less than amount owed. This is preventing me from purchasing a new home. Attached is the HUD-1 for the sale of the home, Letter from Ditech that states " PAID in Full '' and letter from XXXX XXXX XXXX , XXXX that indicates " paid in full ''
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX, Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,