WillisBack/dataset-financial-user-claim huggingface dataset:
I called CareCredit billing inquiry specialist -XXXX # XXXX at XXXX this morning of XX/XX/2016 about the closure letter they sent in regards to my complaint on a transaction charge. I tried explaining my issue in regards to product and services received was questionable raked with QC issues. She iterated that there was nothing she could do and that they are a bank only. I tried explaining that the product was defective in which I was charged {$650.00} for a XXXX that was less than 3 months old that never fit the first time XXXX. I explained that it broke upon removal XXXX twice. The final time it broke the XXXX refused to fix it or replace it and was told it would not be fixed. This is a lemon the 1st time I received and paid for the said product and it never worked accordingly with Quality issues. I explained that I should have to pay for this costs since it was a lemon to begin with.The person I spoke to was ignoring my plea and insisted that this was a bank only and refused to help. I even mentione dthat no one ever called me in regards to the investigation to hear both sides of the story or whether I have the option of formally writing in to dispute the claims made by the other party.In addition, when I requested to speak with her supervisor, I was told immediately that she was not available. When I asked to speak with the Dept Head, I was told the same thing - not available. When I insisted, she said that someone will call me back within a couple of days. This is a total brushoff. I am paying {$650.00} for a product that is defective from the start. I am not getting any fair credit card protection in this case nor any fair compromise or recourse.
On XX/XX/2018 my lawyer sent a complain to XXXX regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. XXXX  then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from XXXX stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
I called chase bank claims department for a transaction that the merchant would not refund. I received the incorrect items at XXXX XXXX and returned them to the restaurant and they would not refund me. Chase stated they dont handle these claims and could not do anything. I have no items and have been charged 91.62 and Chase will not help me. They can not even send me anything in writing that states they do not handle food merchants.
On XXXX I deposited check XXXX for XXXX electronically. The full amount was deposited into my account on XXXX On XXXX My purse was stolen out of my car and I called to notify Arvest of potential fraud on XXXX. I canceled my debit card and requested a new one. 

On XXXX Arvest pulled XXXX from my account stating it was a duplicate. That day I called to notify Arvest that is wasnt a duplicate and my employer rejected the second check. I was then informed after those funds had been withdrawn that it was deposited into an account at XXXX XXXX XXXX on XXXX. 

Falsely endorsed and deposited into a fraudulent account. Identified by XXXX XXXX XXXX. I have submitted documents from my employers bank stating it was fraud and they only honored my first deposit which had been in my account over 30 days. I also submitted police reports including proof this was fraud. 

Arvest has failed to acknowledge fraud after filing 6 different disputes and refuses to return my funds. Also failed to flag initial fraud on my account when duplicate check was identified. 

I have included the supporting docs and screenshots of Arvest site and how to deposit electronic funds. It does not state that the owner of the check is responsible for the loss if fraud is attempted on a second deposit nor does it state mobile deposit must be written on the back of check or customer will be held liable.
Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage.
According to my XXXX and XXXX credit file, NCC started reporting this non-validated debt in XXXX. I have sent multiple letters requesting that they either validate the debt or remove these entries from my credit file. They have done either. This debt remains on XXXX the aforementioned agencies. Some of these letters were notarized. The dates these were recently mailed were on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and as recently as XXXX XXXX, XXXX. The item was removed from my XXXX report dated XXXX XXXX, XXXX. I have never been notified of this debt.
TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?
Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX XXXX XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXXand paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ XXXX of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
This may be hard to follow at first glance. I have my auto loan through US Bank. I was double charged in XXXX 2016. I immediately called US Bank and asked what they were going to do to fix it. The guy said I need to go to my bank and do a stop payment on one of the charges. I did this and stopped one and allowed the other that was supposed to go through, to go through. It went through, but a few days later US Bank reimbursed me. I did not need to be reimbursed since I already stopped the bad payment. I called back a few days later explaining this to customer service, and the guy said to me that I am all up to date and everything looks good on their end and that I should n't make another payment. So, I did n't. Now all of a sudden in XX/XX/XXXX I start getting calls that I 've been dinged for late fees since XX/XX/XXXX. What happened was, they charged me twice, I stopped one, and then they reimbursed me for the other by mistake. Then when I explained this to them they did n't allow me to make a payment correcting it, because it had n't shown up in their system yet. So, I do owe a XX/XX/XXXX payment now because of their mistake. However, I should not be responsible for the late fees they have charged, because I HAVE N'T BEEN LATE! It was their mistake. I am on autopay, so when the XX/XX/XXXX payment rolled around it kicked it back to XX/XX/XXXX, then XX/XX/XXXX back to XX/XX/XXXX and so on. I have talked with countless people in their company and none of them ever get this problem fixed. The last person I talked to told me he saw in his notes where all of this happened and that the late fees will be taken away. Last Wednesday XXXX XXXX I told him I would make an extra payment to make up for XX/XX/XXXX and then on XXXX XXXX my autopay should be back on track, but I will not pay any late fees. He said this would be the best thing to do and that it should fix the problem and I wo n't have any late fees accessed. However, I checked my bank account this morning and only one payment came out instead of both, and this payment had {$59.00} in late fees. I ca n't tell you how many hours I 've been on the phone or how many people in this company I have dealt with but it 's ridiculous. I even sent in my bank records to their dispute department showing that I paid on time in XX/XX/XXXX and they only called back once while I was at work, left a voicemail that showed they clearly did n't understand this isssue, and did n't even leave a call back number. Please help me resolve this issue with this terrible company! If this continues much longer, it will come to the point that their system will show me over 30 days and will report me to the credit agency and I have never been late! If my credit score gets dinged for their mistake I will be contacting a lawyer!
I have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.
THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Dates-XX/XX/XXXX, XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
On XXXX XXXX, 2015 ( approximately XXXX ) my daughter and I pulled up the the drive up ATM machine to make a deposit. Upon driving up to the machine I found {$340.00} ( {$360.00} ) still sticking out of the machine from the previous customer. I took the money into the branch ( XXXX XXXX XXXX XXXX MN ) and asked for the manager ... who was n't available. There was long lines for all the tellers so I flagged down a lady walking behind the counter and told her that I found this money in the drive thru. She took it and walked right away and did n't ask for any of my information or where it was found. Two days later I called the branch and asked for the manager and again she was n't available. I asked the lady on the phone if she knew if anybody had claimed the money yet and she said no. A week later I called again and actually spoke to the manager and she stated to me that nobody still had claimed the money. I asked how much time has to pass before my daughter and I get the money back. She stated that we do not get the money and that it actually goes into a dormant account. I expressed concern that they did n't even ask me for any information regarding my transaction to locate the person before me. She stated that even though the machine is a Wells Fargo machine that it is run by a separate company that they do not have access to. She stated that the individuals would actually have to file a claim for the money through their bank, because anybody can use the Wells Fargo machine, and they would be reimbursed that way. When I explained to her that I did n't give the money to the bank and that if the lady who initially took the money had explained anything to me regarding the process that I would never have given her the money and that the entire process was handled very unprofessionally when I went into the bank. I NEVER GAVE THE MONEY FOR THE BANK TO KEEP and would like it returned as if I was originally told the process for the customer to file a claim to refund their money. 

Thank you, XXXX XXXX
I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score.
I got a letter from my bank XXXX XXXX XXXX back in XX/XX/XXXX. Stating that a company named : Mel S Harris was trying to garnish my checking and whatever accounts I have. XXXX stated that my income deposited is from social security XXXX, and by law they can not do their action. 

About a few days later. Mel S Harris contacted me, stating that they have a judgement on me. And I must pay them, or they will keep garnishing my accounts. Mind you, i never received a letter or summons, to appear in court. When I mentioned to this the debt collector. She said they sent it, and it 's my problem that i did n't get it. and since the judge ruled in their favor. I must pay the debt. 

I did some research on my state 's court website. And yes they got a default judgement on myself. I also googled this company. And i found a lot of complaints from various people, around the USA. 

I also read some press releases from my attorney general at the time, XXXX XXXX from New York State. He stated that debt collection agencies who got judgements. Used illegal tactics to attain them. Mel s Harris - was caught and sued for not serving clients with summonses. But claim they did. Also a mass class action lawsuit was filed against them in court. Which they lost in XX/XX/XXXX of this year. Below are the website links, in regard to this company : XXXXXXXXhere is the decision by XXXX v. XXXX XXXX heard in XXXX XXXX Court : XXXX : XXXX i attached a file from the FTC in regards to the lawsuit . 

hope this is enough information. If you need to contact me for whatever reason. Call me at XXXXXXXXthanks, XXXX XXXX
I filed a dispute on a transaction that occurred in my Chase premiere checking account. The Chase dispute department handled my dispute by crediting my account {$130.00} in provisional credits. The Chase dispute department informed me that my military service allows the 120 day window to be extended to one year. They offered to refund all fees that were charged regarding this transaction as a curtesy. Later, I was informed by the Chase executive office that they would be charging back all fees that were waived as a courtesy. In other words taking back what was promised. I was told the reasoning was Chase did internal research that I was not actively in the military the past year. However, XX/XX/2016, when I opened this account, I provided documentation showing my military service so I could open a preimiere checking account. I had to validate my service to open the account, right? Also, I did not authorize Chase to do any personal background research on myself. I signed nothing nor agreed to that. Additionally, what resources did Chase use in their background research? Obviously their resources are not valid unless Chase banks claims Are a complete lie.
I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!
XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted.
After the horrendous Equifax breach that consumers had to learn from the news months later. Equifax promised free 1 year credit monitoring, credit report and social security number monitoring to those affected through Trusted ID Premier. Once you enroll in Trusted ID it has been over a week of runarounds and hours on the phone with Equifax who just gives you a runaround access to this service is unavailable. It tells you are already activated enter username and password. I never activated, Equifax advises to click forgot password and create a new one. I never created a password or username to begin with! Was able to change password and then get a message ca n't create your account wait 2-3 hrs try back again or call XXXX which is Equifax who ca n't help you just runaround about system crashes, inundated with calls told to call other number for Trusted ID and literally  have been on hold from 4-8 hours with no response.
After going paperless I did not get a statement letting me know that a payment was due and 5 days after the due date I got a reminder that a payment was late and was charge twice a late fee XXXX each time this is a was for then to XXXX us.
I would like to exercise my rights through Dodd Frank and UDAAP " Unfair, Deceptive Acts, Abusive Acts and Practices. The practice caused injury to my financial future and health. The practice was deceptive it was misleading. It was abusive material interferes with the ability to understand a term or condition of a consumer financial product or service. Offered me a XXXX XXXX degree without XXXX classes, which caused additional high pricing without my XXXX degree. All other colleges offer XXXX classes with their XXXX degree 's. This is predatory lending.
I was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Bank of America. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : Experian XXXX, TX XXXX XXXX XXXX, GA XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX