WillisBack/dataset-financial-user-claim huggingface dataset:
For XXXX, I was shopping online and found a site where I went to buy some presents. The total was for {$110.00} on the website XXXX. I put in my order late Friday night on XX/XX/XXXX. When I did not receive any email confirmation, order number, or tracking number within the hour, I started to look into the legitimacy of the website. I found out that it was a fraudulent site that sold credit card information and steals personal information. I immediately emailed the " contact me '' on the site asking for my money back because " I placed an incorrect order '', hoping that they would refund me the money. Of course I received no correspondence back. Fake site, I'm guessing potentially fake email contact and site form as well. 

I immediately called my bank, Santander around XXXX on the same day, XX/XX/XXXX. I spoke with a very pleasant woman and explained the series of events that lead to this. The woman said that she would freeze the card number and issue me a new card, but that I could not file for a fraudulent charge until the charge showed up on my account - it was currently pending and hadn't gone through yet. That was fine. 

I waited until Monday, XX/XX/XXXX, later in the afternoon around XXXX to call Santander back now that the {$110.00} charge showed up on my account. The woman asked me a series of questions such as if I'd tried to contact the vendor myself to resolve the issue, if I had received any good ordered, etc. I answered respectively saying that I sent an email to them but suspected that they were not receiving any emails from a fake site anyway and also had not received any goods or even any confirmation of my order. She put in the claim. 

I received a letter in the mail later in the month ( I forget the date but I think it was the XXXX or XX/XX/XXXX ). The letter said that Santander is denying my claim. I called back immediately to ask why. The reasoning was " buyer beware '' and that I should have had better judgement and used more caution before purchasing goods online. However, this woman was very pleasant to me and said that she would put in a different claim instead of fraudulent charges that would be for not receiving goods. She asked me the same types of scripted questions and said that she would not include " fraudulent site '' or similar terms so that maybe the claim would not get denied again. 

Today, XX/XX/2019, I received another letter in the mail saying that my claim is denied ( Reference Number on the claim XXXX ). I feel like I did all of my due diligence. If a bank is going to exhibit this much apathy for their customers, I'm just angry.
I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.
After reading all of the positive reviews from other clients that have used this service, I hired this company in  XXXX  to assist me in improving my credit and credit scores. Each month this company would send out dispute letters to all  XXXX  credit bureaus to dispute information on my credit. After 6 months of using this company and paying {$150.00} a month, I have not seen any significant changes in my credit or scores. When I first began with them I was advised by the credit  counselor  to pay off some of the collections on my report. I paid them off and did exactly what was advised. I followed up with the advisor on occasion and was told that some of the bureaus are difficult to work with as far as getting deletions removed. I also spoke with the owner of the company and was told that most customers see a  XXXX  % improvement in their credit. I only have a  XXXX  % improvement in the time working with this company and am disappointed in the results. I feel like the company false advertises and it makes me question the reviews from these other clients. I have been working diligently and doing my part and I have invested {$650.00} to see barely any improvement. When I spoke to the owner, he told me that they would do an over all analysis and recommend if I should continue with the company. I am disappointed in that response because if I walk away now, there goes the {$650.00} that I invested so far. This is unfair customer service practice and I have wasted a lot of money on something I could have done myself. I just want my money back and will repair my credit on my own.
I have this is the third time I have complained about XXXX XXXX XXXX XXXX # XXXX, THEY HAVE NOT SENT ME ANY DOCUMENTATION OTHER THAN A STATEMENT WITHOUT ANY SIGNATURE OR CONTRACT BARING MY NAME. THIS IS MY NOTICE OF INTENT TO FILE LAW SUIT. 
THE SAME AS CASE " XXXX XXXX XXXX XXXX V.S XXXX XXXX ( 2014 ) NO. XXXX. I DO NOT WISH TO DO ANY BUSINESS WITH XXXX XXXX XXXX XXXX. THEY ARE.. what is known as a debt collector and debt buyer. Debt buyers are a type of debt collector who do not lend money or issue credit cards, but who instead purchase defaulted consumer accounts in order to collect and file lawsuits on them. They have no documentation to prove that they owe the debts. Regardless of what documentation they have, the must still comply with the federal Fair Debt Collection Practices Act, they have not.
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including Experian, XXXX and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.
I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Bank Of America, N.A Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
I have been experiencing on going problems with Specialized loan Services since they took over my loan in XX/XX/XXXX they promptly over drew my account and withdrew payment at the same time that XXXX did. Specialized Loan Services then placed a block on me preventing me from making an electronic payment because my payment was returned. The payment was made to XXXX and Specialized Loan Services continued to call me harassing me for non payment and the payment was made. My XX/XX/XXXX payment was held and not credited to my account until XX/XX/XXXX even though it was received on time on XX/XX/XXXX they then reported a late payment to the credit bureau and charged me a late fee. I have called no less than 8 times trying to straighten this matter out and be able to pay my mortgage electronically and have been told that they can not correct the problem. I am tired of the poor customer service, harassing phone calls and late fees as well as damage to my credit report and they have only had my mortgage for 5 months. It is not a good indicator and the fact that they are allowed to operate in such a disturbing manner is alarming.
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
This is a continuation of my Complaint Nr XXXX, submitted XX/XX/2018. 

On XX/XX/2018 I received an Equifax reminder to look at dispute Confirmation Number : XXXX. I was presented a list of security questions ( see attached screen shot SectyEquifaxXXXX ), which I commented thereon. As I noted that a bogus previous address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( which is the address used by the Identity Thief who fraudulently opened an account in my name w/XXXX XXXX, XXXX XXXX last year ). I have never lived in XXXX, nor used any XXXX mailing address. I telephonically contacted the Equifax Fraud unit, who initiated a correction dispute ( XXXX ). 

I also attempted to access Equifax dispute Confirmation Number : XXXX, but was unable to due to being presented with fraudulent security questions ( See screen shot XXXX ) also commented thereon. Although I answered all questions accurately, I was denied access to the report. 

It seems that Equifax has somehow intermixed fraudulent information with my real credit information without my confirmation.
This company keeps calling me, all day long, to try and contact my step-daughter  who may or may not owe a debt. But the people who call and harass me many times per day ( they have calles me three  times today,  XXXX   XXXX  ) illegally tell me about my step-daughter 's credit issues. They also keep demanding to talk to my husband to confirm that my step-daughter does n't live with me even though I 've told them numerous times he 's passed away. I have  XXXX   XXXX   XXXX , and I can not handle this ruthless company calling my all day long for an alleged debt that has nothing to do with me!
My father went to purchase a vehicle from Larry H miller XXXX. My father was assisting me in getting a vehicle due to my bad credit from a recent divorce. We purchased a XX/XX/XXXX XXXX and signed the agreement for {$370.00} a month. I then received a call from the finance manager a few days later advising me that the finance company had come back and the new amount would be {$410.00} a month and that we either " take it or leave it ''. We advised we no longer wanted the vehicle and the finance manager verbally agreed to release my father from the vehicle. We went in the next day to return the vehicle and they declined because the finance manager that verbally agreed was not in that day. We then came to the agreement that they would call us the next morning immediately to advise us of XXXX schedule. They never called us and a few days went by. We waited 3 days for their call and that Saturday morning the vehicle was stolen out of my driveway. We went to the dealership that day to see what would happen with the vehicle and XXXX spoke to us and told us that the financing for the vehicle had gone thru on XX/XX/XXXX and that it was our vehicle. After speaking with him for close to an hr, there was no resolution and we were treated like dirt. We then filed a claim with the insurance company and on XX/XX/XXXX we received a certified letter from the dealership that the financing had not gone thru. This was 6 days after we had gone into the dealership and they had guaranteed that the financing was done and was with the bank. The reason I feel that they pulled the financing again after advising us it was complete was because there is an addition that the dealership puts in place in the contract that states if someone either steals your identity or your vehicle is stolen, they would cut a check of {$5000.00}. I feel they pulled the financing so they could get out of paying that amount to my father. This dealership violated multiple regulations. First, I am not on the agreement or on any documents regarding the purchase of the vehicle, however the dealership had no issues advising myself over the phone of the interest rate, payment amount and terms without discussing them with my father who was the one purchasing the vehicle. Secondly, we were unaware until after looking up the laws that it is illegal to sell a vehicle to someone with open knowledge that they are purchasing the vehicle for a third party with no intent to use or own the vehicle. The finance manager even told us while we were talking about the payments, that if they asked, the vehicle was for him and not for me. As a consumer, my father had no idea that was not allowed but due to the dealership openly knowing that and still allowing us to purchase the vehicle, the were in violation and sold the vehicle under fraudulent terms.
Since XX/XX/XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to XXXX. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that XXXX remove this account from my credit report but they continue to disregard my wishes. This account was closed in XX/XX/XXXX and should not be on my report anymore. The creditor reported this account again to XXXX on XX/XX/XXXX due to my dispute did not delete this account.
When I took out the home loan, I had to have a PMI. Now after renovations and home value appreciation, I have almost 30 % equity on my home. But loan servicer is refusing to remove the Private Mortgage Insurance.  Please help.
I have credit inquiries on my credit report from XXXX dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, Equifax or XXXX. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.
On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX as well as XXXX XXXX XXXX , and XXXX  each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as onXX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.
Someone tried to use my identity causing collection and hard inquiries. I called TransUnion and they would not remove these. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid
Stop closing this complaint as the company does not provide sufficient documentation of their claims. I ATTEMPTED TO ACTIVATE THE CARD VIA THE MOBILE APP. 

HOWEVER THE CARD DID NOT WORK WHEN I FIRST ATTEMPTED TO USE IT AND I HAD TO CALL CUSTOMER SERVICE AND WAS TOLD THEY SUSPECTED FRAUD. I WAS UNABLE TO EAT BREAKFAST THAT DAY AS THE APP TOLD ME IT WAS ACTIVATED ONLY IT NEVER WAS. 

I confirmed my identity as requested, even though I had already done that previously when applying and it should not have been approved nor supposedly activated if my identity was in question. WHEN CONFIRMING MY IDENTITY I ALSO CONFIRMED THE OFFER ON THE ACCOUNT WAS VALID. YOU CONTINUE TO LIE TO ME. 

Further, a reputable business would promptly inform the customer they were ineligible, not confirm they are eligible, then waiting until they meet the spending requirement, and then waiting again until they complain after months of not receiving the bonus.before then finally making up lies and telling them they were never eligible and in fact had been previously been informed ( A LIE ). 

THIS IS ILLEGAL AND CITIBANK SHOULD BE PROSECUTED. IT IS A CLEAR VIOLATION OF UDAP. 





I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising.
On XX/XX/2018, a garnishment was granted against me for the amount of 15 %. I am paid weekly as a XXXX for XXXX XXXX. 

The garnishment has been in effect and active since XXXX. 

The agency processing the garnishment is Delta Management. I  received no prior notice of the garnishment. I understand that this is normal with federal student loan collections. 

Delta Management has now taken to calling the company I am assigned with, XXXX  XXXX XXXX. It is a highly sensitive company that deals with consumer issues. To get calls regarding me is not a good look and puts my employment in jeopardy. For the past two weeks, a XXXX XXXX has been calling various departments asking questions about me. He left this number and extension, XXXX XXXX. 

Please advise as to what rights and options I have to make this stop. The garnishment is being paid there is no reason to contact my assignment. I work for XXXXXXXX XXXX and not XXXX. 
The lien is for {$200000.00}. If you get me fired, then I don't understand it is expected for me to pay off this debt.
In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. I called TransUnion and their customer service agents were horrible. I talked to 3 different people and basically was told they know what happened but basically to file a complaint because they were n't going to fix it. This is a serious violation of the FCRA, and I reserve the right to pursue further action. TransUnion may avoid such action by immediately deleting this listing from my credit report.