WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I ordered a sterling silver pendant and a t-shirt online from " XXXX ''. I paid in full ( {$190.00} ) via XXXX. On XX/XX/XXXX I inquired about the status of my order. On XX/XX/XXXX I was told orders were in back-log. On XX/XX/XXXX I inquired again, told 6 weeks out, and promised extra " goodies '' for my patience while they catch up on orders. On XX/XX/XXXX I was told 3 months out, again promised extra items for my patience. On XX/XX/XXXX I was told a " rush '' put on my items. On XX/XX/XXXX I was told items were 4 months out due to a problem with their jeweler. On XX/XX/XXXX I requested a refund, I was then told my items were already delivered and they must have been stolen. I requested tracking number to file a report with the USPS - that request was never met. I was then accused of lying and having actually received my package. On XX/XX/XXXX I was told the post office lost my package and items will be resent. On XX/XX/XXXX I filed a claim with Chase Bank ( claim # XXXX ) for  a charge-back in the amount of {$190.00}, my account was credited with that amount while they investigated. About one month later, Chase Bank notified me they would be reversing the {$190.00} credit was being reversed because too much time had passed since the original purchase. On XX/XX/XXXX I tried contacting the seller again, he toldme he was having XXXX and would be out for 10 days. On XX/XX/XXXX I was told he was again waiting on the jewelry vendor and offered much cheaper items that were in stock., which at that point I said I would accept. On XX/XX/XXXX I was told the stock items were sent, I requested tracking info but once again was ignored. On XX/XX/XXXX I requested tracking info again, never received. On XX/XX/XXXX 3rd request for tracking info, never received. On XX/XX/XXXX 4th request for tracking info, told its his wife 's birthday and he was busy. On XX/XX/XXXX I was told items were shipped, no tracking information given. On XX/XX/XXXX I made a 5th request for tracking information which I again never received. In addition to my claim with Chase Bank, I have filed complaints with the Arizona chapter of the XXXX XXXX XXXX ( claim # XXXX ) and the Federal Trade Commission.
I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Inquiries : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Transunion : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXt, XXXX and XXXX )
I am not going to ask Equifax again to leave my credit score alone. Since XXXX/XXXX/2015, they have deducted XXXX more points off of my credit. The only change to my credit was on XXXX XXXX, 2015, I paid XXXX XXXX XXXX and XXXX in full. Yes, both of those accounts has been XXXX. I do n't know why Equifax is ruining my credit, or who is telling these people to ruin my credit, someone is behind all of this and they will be going to jail when the truth comes out concerning the XXXX XXXX XXXX. I guess they are the ones behind ruining my credit in order for me not to qualify for an FHA Loan, however, I have contacted the State Attorney Generals Office, and I have left message for the XXXX Attorney General XXXX XXXX in order to resolve this problem. Equifax is delibertly ruining my credit due to the XXXX. If these people dont stop, I will find there physical location and I will go there and handle my business myself. These people has deducted XXXX points off of my credit in less than a month, for no other reason other than I filed a complaint against them for discrimination. The deducted XXXX more points off of my credit yesterday. If, someone from this Consumer Finance Office does not tell Equifax to leave my credit alone, and place my XXXX points back on my credit score, I am going to Equifax XXXX. 
XXXX XXXX XXXX
After reviewing my XXXX credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Contract Callers Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was not listed as disputed by consumer nor had I received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report. When I still lived in Ohio from XX/XX/XXXX-XX/XX/XXXX I attempted contacting XXXX XXXX XXXX directly multiple times and disputed the accuracy of the charges however I never received any response. I do not believe the account in stated amount belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.
I am a victim of identity theft. Several accounts have been opened in my name without my consent or knowledge. I have previously had to dispute accounts with XXXX, XXXX, and XXXX. All of these accounts were closed and after an investigation the negative information being reported was removed from my Early Warning Services report. A new account has now shown up on my report from XXXX. I have never done business with XXXX and according to their website I am not even eligible to have an account with them as I am not married nor have I ever been, I am not in the military nor have I ever been and I have no family that is currently serving or who has served in the past. 

My apartment was broken into and several of my things were stolen, including : My passport, driver 's license, debit cards and two check books. I filed a police report with the XXXX Police Department. The police report number is : XXXX The theft of my identity documents resulted in this identity theft. I have attached a copy of my social security card, my driver 's license, the police report and a copy of the FTC affidavit of identity theft.
On XX/XX/XXXX I applied for a personal loan with XXXX XXXX. I was immediately informed of an account in collections in XXXX. I had no idea, I was never sent a bill or so much as a phone call. XXXX XXXX provided me the account information. This is how I first learned of this bill in collections. The same day I filed a dispute throu XXXX since it was showing up through them. The following day I get a call from the debt collection agency. I asked why I was never made aware either mail or phone of this balance.The man said there had been 4 mail and 4 phone attempts to reach me. I told him that was a lie I had never been contacted. He said that the account was not yet sent to collections yet. Which was another lie since I had been made aware one day before that it was. 
XXXX  dispute had been completed and that account was to remain tillXX/XX/XXXX.
Violated HIPPA law on a d ebt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.
Transunion deleted positive information, at the same time as deleting other information on my credit report. Transunion also mailed me a letter stating they could not find information about XXXX XXXX XXXX. My name is XXXX XXXX, no middle initial. They have been reporting XXXX XXXX for many years. In fact, when I log onto the Transunion dispute website, my name is displayed as XXXX XXXX. This needs to be consistent, across the board, when it comes to my credit report. According to credit report # XXXX, issued on XX/XX/XXXX, Transunion states Re : Unable to locate credit report. Fix my name and add the following positively reflecting accounts that were improperly deleted from my file. 

XXXX XXXX Retail Credit Card Revolving Credit Credit Limit -  {$4700.00} Never Late Open account Opened - XX/XX/XXXX Balance - {$0.00} XXXX Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX RETAIL CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XXXX inquired about XXXX programs through BAC. It was a constant go around of submitting documents and forms. Many letters with false hopes and disappointment. BAC refinanced loan XXXX changing account number disqualifying my loan for any XXXX programs. I have called XXXX XXXX, HOPE, HUD. without any help. BAC is only interested in foreclosure or short sale. I have been paying on loan since XXXX. I do not want to default on loan. I contracted cfpb XXXX with this compliant. BAC XXXX a correspondence from CFPB. BAC responded with did not rcv paperwork in the past, submit XXXX, eligible for HAMP. I have been down this road too many times XXXX XXXX. BAC has given me the run around without helping me. For years BAC would have me resubmit same documents/paperwork. They offered me a standard refinance. This only cost me more money with the closing cost, and them messing up with my escrow causing penalty fees that has compounded my payments.Also, disqualified me from any federal programs having new account number. BAC was always mentioning foreclosure. This is a scary thought and adding undo stress. I have a thick folder of the BAC request and form letters. It runs in circles going no where.
Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from XXXX and Transunion basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the XXXX language why my credit score has dropped that huge amount. Have reviewed credit report that Transunion sent and it has not changed. XXXX did not even send credit report to review. This is ridiculous. I complain. I want an answer.
BELOW ARE INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Received foreclosure notice in XXXX 2015 from Ocwen, during the same time that I underwent a XXXX ( XXXX XXXX ) .The house was scheduled for auction XXXX. I submitted the modification package as well as all requested documents by fax on XXXX XXXX. Ocwen stated there were documents missing, which I emailed twice and uploaded directly to their website. They then said it was too late to stop the foreclosure, but then stated they would send an email and try to stop it. I was told this on XXXX XXXX, XXXX, and XXXX. On the XXXX I was told to call the morning of the XXXX, which was the sale date, to see if the sale was stopped. My daughter called and was told it was too early to tell and to call back later in the day, and that the agent would also call us when he knew the status. We checked the website later that day and it now stated that the modification was in review. The agent called my daughter on XXXX to also advise the sale was stopped and the modification was in review. I received a letter dated XXXX stating the same. We have been checking the website daily to see the status and it still, as I type this, says it is in review. However ; I called last week to check status and was told the property is now real estate owned. My daughter immediately called the local assessors office and was told the deed was still in my name. My daughter spent hours on the phone with Ocwen, left messages with the real estate owned division XXXX, which still have not been returned, and finally spoke with someone who looked into the account and could see something was wrong. The agent said Ocwen has XXXX systems and XXXX said the loan was in modification review and the other said it was real estate owned. The agent stated that on XXXX there was a note stating the foreclosure did not go through and the loan was in review. The agent advised my daughter she would call her Monday, XXXX, with a status update, which she did not make, My daughter left her a message which was returned today, in which the agent advised the house is real estate owned. She said the modification had been denied XXXX times, and my daughter tried to explain that they were denying it because they were saying there was documentation missing, which is why the actual review did not start until XXXX. She also mentioned the letter dated XXXX and the fact that the website still says we are in review, but was met with an unconcerned response. She also mentioned we have received no documentation regarding a sale, or a modification denial. They are saying there was a sale, but we are unable to find any record of this sale with the register of deeds. Please help. We have had this house for 29 years, my daughter and her family live there and have nowhere else to go.
This is now the 3rd time I have contacted the Consumer Financial Protective Bureau regarding this. Are you guys even going to address the fact that wells Fargo is holding my funds and will not let me access my account? I should n't have to go into a branch to access an account that I opened online. I would have preferred to keep the account open, but it has now been 3 months and i have n't been able to access my account. This is completely unacceptable and i ca n't believe the Consumer Financial Protection Bureau allows this.
Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
For 13 consecutive months, Franklin American Mortgage Company ( FAMC ) has mismanaged two VA refinance loans originated in late XX/XX/XXXX. Both the CFPB and Texas Attorney General 's office were helpful in resolving many of the problems due to direct intervention in XX/XX/XXXX-XX/XX/XXXX. However, FAMC continues to violate the RESPA and my rights as a borrower in regard to these two loans. 

The loans in question : - XXXX XXXX XXXX ( rental property pending sale on XX/XX/XXXX ), loan # XXXX - XXXX XXXX XXXX ( primary residence ), loan # XXXX Fraudulent Late Fees : From XX/XX/XXXX - XX/XX/XXXX, FAMC misapplied monthly payments for the XXXX XXXX property ( loan # XXXX ) that were received in a timely manner per the loan agreement. FAMC 's actions caused processing delays and false, negative reports to credit reporting agencies. Following CFBP and Texas State Attorney General office intervention, it appears that FAMC has corrected the false credit reporting, but they continue to account for late fees from this time period to the amount of {$210.00} as of the XX/XX/XXXX statement. These fees were generated due to FAMC errors, not my payment history. I have attempted to get FAMC to clear these fees with no success. This property is under contract for sale with closing date schedule for XX/XX/XXXX. It is in both our best interests for these fees to be removed before then. 

Failure to Respond : I have sent multiple requests for FAMC and they seldom receive attention. My last formal request was sent in early XX/XX/XXXX and FAMC acknowledge receipt on XX/XX/XXXX. To date, they have not responded. The request was for the company to transfer both of these loans, especially the one for my primary residence ( XXXX XXXX, loan # XXXX ) to another mortgage servicing agency due to FAMC 's reported failures on every aspect of loan management - escrow, payment processing, and harassment that all stem from FAMC 's internal failures. Due to their repeated and continuing violations of the terms of the contract and the RESPA, I have no faith that FAMC will ever comply with either. Knowing that FAMC has such a significant impact on my financial well-being and credit rating is unacceptable. The only acceptable solution is that this loan be transferred to another mortgage servicing company. 

Objective : - Remove fraudulent late fees before the loan closes on XX/XX/XXXX and ensure these fees do not get included in the sales process. 
- Refund any late fees paid to date if the above is not completed timely. 
- Receive confirmation that FAMC has transferred loan XXXX ( XXXX XXXX XXXX ) to another mortgage servicing company.
This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX  credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX amd XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet XXXX  is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. XXXX  does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )    XXXX   XXXX   XXXX   XXXX    5 )    XXXX   XXXX    6 )   XXXX   7 )    XXXX   XXXX    8 )   XXXX   9 )   XXXX   XXXX   XXXX
I do not now nor have I ever had a credit card with Capital One. They are falsely reporting that I had a XXXX XXXX credit card managed by them. They are reporting a {$750.00} credit limit with a {$2000.00} balance. I have reached out to them over the course of four years to attempt to clear this matter, and they have not acted. Each person assigned to my case ends his/her tenure with Capital One due to their company downsizing, and my dispute has never been resolved. Basically, it seems to come down to they are too big of a company to be held accountable for incorrect reporting.
My loan just migrated to Navient in XXXX. I called at the end of XXXX and they could not give me payment information, they told me to call back in a couple of weeks. I forgot ( completely my fault ). On XX/XX/XXXX, I was prompted to log-in to Navient due to a concern about my loan. I logged in. My total due was {$10.00}. {$5.00} was due and {$5.00} was past due. I paid {$10.00} and received confirmation of the payment and that I was all set. A few days later, I get a text message stating that my loan needed attention. I logged in and the account status was past due in an amount over {$100.00}. I was confused and livid. I called Navient. I explained what had happened. The rep would not validate my story ( i.e. " Oh, I do see that it was {$5.00} per month '' ). He acknowledged that I paid {$10.00}. He said that I owed {$90.00} + per month. This did not make sense because I was past due for two payments totaling just over {$100.00}. When I explained that I could not afford this new amount due, he took my income and family size only, did not ask about any other expenses and offered a payment plan for a bit over {$40.00}, deferred until XXXX. When he finalized that plan, he said, as if a script " Your payment has been deferred, you owe nothing until XXXX ... at that time your payment will be {$5.00} ''. Then he said that the payment plan that I had been on with the prior servicer would drop off " at some point '' that he did not know. He said that the {$5.00} might change in XXXX. I have worked in consumer finance and I have never heard of giving a debtor a range of anywhere between {$5.00} and {$50.00} for a payment. I really feel uneasy dealing with this company.