WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX//18, I put a deposit down on a wedding dress for my daughter at XXXX XXXX in XXXX XXXX PA. The amount was {$350.00}. The bridal shop closed their business down and refused to let me pickup the dress and refused to refund my deposit. I reported this to Bancorp and filed a dispute on XX/XX/XXXX. Bancorp refuses to give me any information on the status of my claim, or they say that the investigation is ongoing, or that they have to contact the merchant, and they continue to change the date that the dispute investigation will be complete. I have explained over and over that this merchant is no longer in business and they are not reachable. I provided Bancorp with all requested information and they continue to play games with completing this. Today when I called for an update, the first agent in claims told me a decision would be made by XX/XX/XXXX. When I asked to speak with a supervisor, she said it wouldnt be until XX/XX/XXXX. It is absolutely ridiculous that this merchant has been allowed to fraudulently keep my funds and not provide a product! I want my money refunded immediately! 
Please help! 
XXXX XXXX
I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the NATIONAL NEWS PRESS Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.
XX/XX/XXXX To : Toyota Credit Research Team, Account number : XXXX Ive been approved for two payment extensions for my XXXX Toyota XXXX beginning XX/XX/XXXX. Since then I have signed the agreement and mail it out to the address on the agreement Toyota Motor Credit XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted Toyota about the status of the extension since I didnt see it reflected on my Toyota account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XX/XX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XX/XX/XXXX the negative marks from XX/XX/XXXX on are incorrect
Went onto the biller 's website last Friday and paid loans off in full. Biller, AES has my bank information saved in their system as they withdrawal my payment monthly. I clicked to use my bank account that was saved. A week later I was notified by AES that the bank rejected request and I would have to start again. I contacted the bank and after hours of investigating it was determined that AES had created an error when entering the ACH. When I contacted AES they accepted no responsibility, gave no options for payment, told me my account is in limbo for awhile and that they could not accept payment and when the system gets resolved I would be charged additional interest. I am left with no resolution and no method to pay this off today once and for all. I believe this is an unscrupulous business practice. No assistance provided whatsoever.
1. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received an email notification that my Citi Double Cash Card had been compromised with suspected fraudulent activity. A purchase in the amount of {$300.00} was attempted on XX/XX/XXXX but was denied. The email prompted me to select if I recognized the charge listed ; I selected " No ''. That same day I received multiple telephone voicemails repeating the same message, notifying me of the attempted fraudulent charge and asking if I recognized it. On at least one occasion I confirmed via telephone that I had not made this charge. 

2. Friday, XX/XX/XXXX I received e-mail confirmation that my account had been closed due to a lost or stolen credit card and that I would receive a new card for my new account on Saturday, XX/XX/XXXX. I received both the XXXX   Shipment and Delivery notifications for said card via email, as well as text messages with identical messages. 

3. On Saturday XX/XX/XXXX I received a replacement XXXX Double Cash Card. The name and account on the card DID NOT BELONG TO ME, though I had an option to activate and use the new card as my own via telephone. I immediately spoke with Citi customer service representative that evening. I was told to discard of the 'replacement ' card and that a new one would be issued and delivered to me by Monday XX/XX/XXXX. 

4. On XX/XX/XXXX at XXXX XXXX I received an e-mail stating my 2nd replacement card would not be delivered to me until XX/XX/XXXX due to a service delivery. 

5. I did not receive my card XX/XX/XXXX. I spoke with a customer service representative this evening who stated my 2nd replacement card was shipped on XX/XX/XXXX ; however, I did not receive neither e-mail nor text message confirmations of even the shipment of this new card, unlike the time I received the wrong card.
I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on XXXX. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.
I took out a personal loan with XXXX XXXX in XX/XX/XXXX. I wasn't able to continue paying the high monthly payments. Eventually, my loan was charged off. On XX/XX/XXXX, I received a letter from Forster and Garbus informing me that they are taking over collecting on the loan. I do not want to deal with Forster and Garbus because several years ago they filed a judgment against me for a different debt. They sent court documents to me several weeks after the court date, which I wasn't able to appear in person due to them sending me court papers after the fact. Furthermore, without prior notice they had placed a bank levy on my account and began garnishing my wages. In addition, they had harassed me with calls. Forster and Garbus has had many lawsuits because of their illegal debt collection practices. I am very, very concerned that Forster and Garbus will continue their illegal tactics and I won't have an opportunity to defend myself as I have learned from previous experience.

Please assist me as I am extremely concerned that Forster and Garbus will take action against me without giving me the chance to respond. I am hoping that this debt can be eliminated and Forster and Garbus can be investigated because of their unfair practices. 

Please assist me. 

Thank you.
I was contacted by mail by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX That they had interest in purchasing my XXXX XXXX from my lease and to look at the new specials they had on vehicles. I went in on XXXX/XXXX/17 because they needed to give me an estimate on my car before estimating what payments would be on a new vehicle. This visit was ONLY for estimate purposes. I never supplied my SSN or filled out any application, nor indicated I would be purchasing a new vehicle. I suspect they had an old application of mine on file ( I 've leased XXXX vehicles from them ) and ran my credit report without my knowledge. I was notified my Equifax report was pulled on XXXX/XXXX/17. I contacted the sales consultant on XXXX/XXXX/17 to address the issue. He promptly responded that they did not pull my credit report and that I may be scammed. I replied that it came directly from Equifax. He said he would ask his finance manager and I never heard back after that.
I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.
I have been requesting for last XXXX weeks from Chase XXXX things and being told they cant provide. 

XXXX changing from draw period to repayment period inXX/XX/XXXX. I have been requesting from Chase ( for the last XXXX weeks } for a amortization schedule for payments fromXX/XX/XXXXuntil XXXX which will show how much is going to be applied toward principal and interest. Refuses to give. 

Requested how monthly payment is broken down into principal and interest. Language in Note states " repayment period will be the principal balance divided by the number of payments remaining plus the interest accrued for the billing cycle. '' I have requested what language is used with the amortization of a " normal '' loan and why payments are not the same. When I put loan information into financial calculator I get a different payment than Chase does. 

Chase is taking XXXX principal balance and dividing by XXXX months and then adding interest by taking principal amount XXXX and multiplying by interest rate which is currently XXXX and then dividing by XXXX days to get a daily interest amount and then multiply by how many days are in month. The monthly payment is approximately XXXX per Chase When I put into my XXXX or any amortization schedule online if I put in a principal balance of XXXX and an interest rate of XXXX and a XXXX year term. The payment comes out to XXXX per month. 

I just want to have in writing from Chase the language for both ( my variable note and a fixed rate loan and why they are using one calculation versus the other. 


I know my loan is a variable interest rate and has been so for last XXXX years during draw. period. The loan will continue to be variable for next XXXX years during repayment period but Chase should be able to tell me both of these things in writing.
I have contacted Transunion about an invalid address on my credit report. Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. I have sent them letters and faxes and made phone calls to them. Sent proof from my city that the address does not now nor has it ever existed. The last time I called them they said the address was removed but it is still showing on my latest credit report as of XXXX/XXXX/XXXX. I want the address and any so called accounts associated with the address removed completely from my credit report ( s ) Thank You for Your Time
I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Experian will not stop unwanted Promotional Inquires after I have filed and opt out sign a Notice oF Election form and I have requested to stop since XX/XX/2017 2017
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing Experian told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.
When I initially started paying these loans they were around XXXX dollars for 1semester of university which. Over the years they have ballooned to XXXX dollars due to interest. Due to XXXX XXXX   and other issues i have always struggled financially and have never been able to pay anything consistently. 

The majority of the time my loans have been in default, forbearance, or deferment. I never really understood how this worked other than my payments would be put on hold. I never really understood how the interest accrued and could balloon. 

It wasnt until maybe the last 5 or 6 years i learned about income contingent payment plans as it was never presented to me when I called in for forbearance or deferment. 

Just in the past couple months i was told there are plans where the government covers the interest on some payment plans. 

This is something that has been a dark cloud over my life and has contributed to my XXXX as i feel i was taken advantage of or scammed because i am an easy target. The payment i owe is literally for nothing. I have no valid credits from my 1 semester of University. 

The interest on my loan begin removed would be ideal outcome. I'm not saying i shouldn't pay anything but i was never educated on the interest accrual. They just always said it will still accrue. 

Also i should never been allowed to put my loans in forbearance or deferment for this long. Income contingent plans should have always been the first option suggested to me. I didn't even know they existed for a long time. 

I'm sending this because i just saw a article navient is being audited for similar complaints and this is something i have stressed about for years
Citi Cards XXXX XXXX XXXX XXXX XXXX, MO XXXX Dispute a Visa card purchase Dear Federal Trade Commission! 
1. I would like file a formal dispute via Citi Visa purchase in writing 2. I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} and {$94.00} ) on which I file a dispute. Here are that merit a dispute : A ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
B ) My credit card account was charged more than once for the same transaction. I authorized one charge for {$4.00}. 
C ) Didnt approve purchase this item for amount of {$89.00} and {$94.00} D ) The item never arrived the item never was delivered to my door. 

REF to XX/XX/XXXX Reverse {$89.00} 1 ) On XX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back 2 ) On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card 3 ) On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF to XX/XX/XXXX Reverse {$89.00} A ) Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant B ) I told Citi bank more then 10 times : 1 ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
2 ) The item never arrived the item never was delivered to my door. 
3 ) Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

C ) Citi bank said/reply more than 10 times : A ) You support to file as dispute NOT fraud B ) The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant Per federal Truth in Lending Act and the Fair Credit Billing Act : Under the Fair Credit Billing Act, credit card purchases protection. 170. Rights of credit card customers 93-495 93rd Congress - H.R. 11221 I certify that the information I provided is accurate to the best of my knowledge. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX
Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand in the amount of {$1800.00}. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent XXXX XXXX XXXX XXXX and mortgage company Ocwen , was not communicated to me. After the loan closed in XXXX 2015, Ocwen issued a check to XXXX XXXX for {$1800.00} which I did not authorize nor was informed of. Current mortgage company XXXX acknowledges this account is not escrowed from inception date. There was an active and paid Homeowners policy in forced at time of closing.
On XX/XX/XXXX I received a call from XXXX with the Federal Student Aid Program offering me a Forgiveness program ( which I found out later that it was fraudulent ). At the time they explained that I should immediately stop paying Navient and begin paying them and that my loans would go directly to the Dept. of Education because they were a government company. I began receiving documents from Navient ( who was the initial company I was paying my student loans to ) on XX/XX/XXXX stating that they are helping me with a direct consolidation loan, which I already had for several years and have been paying on for several years. I notified the " Federal Student Aid Center '' and they refused to return my calls but sent a text message stating that the documents I received were in line with what was needed for my forgiveness and to not do anything with the documents. on XX/XX/XXXX I  received another letter stating that my student loan amount of {$48000.00} will now be {$82000.00}. I have been paying for over 10 years and began this journey with a {$24000.00} student loan debt. I do not understand how a {$24000.00} total can end up being XXXX  when I have never been garnished or in default. I have had forbearances and deferments but that has not been within the last 10 years.

In addition, in XX/XX/XXXX when Sallie Mae split becoming Sallie Mae and Navient, my loans went from XXXX ( due to interest from forbearances and deferments ) to XXXX  and my fixed 2 % when to over 3 % and is now at 3.875 % They also gradually every year went up on the amount they took from my bank account without notification. I work for a XXXX and have not received a raise in over 8 years. So while they were taking money and not working with me to make appropriate payments, they were increasing the amount that they were taking out of my account and I am now in Jeopardy of losing my house.
After a year of court appearances and several thousand dollars in court and attorney fees a settlement was reached with the plaintiff American Express. On or about XX/XX/XXXX a stipulation of settlement was created for 50 % of the balance owed to American Express which came to {$10000.00}. The first payment of 24 payments was set to begin on XX/XX/XXXX. I started making all payments in a timely manner. On or about the 20th payment, there was a problem with my bank account, so I sent the check from a different bank account which was cashed in a timely manner. Apparently XXXX claimed that one payment was still outstanding. I made countless phone calls starting in XX/XX/XXXX with no success. I spoke with many representatives all of which promised to help me, but instead ignored me and never returned any of my calls. I sent XXXX a letter on XX/XX/XXXX with proof of all payments, again XXXX completely ignored my request to look into the matter. l continued to make all 24 payments on time and wrote a final later with the payment number 24 on XX/XX/XXXX requesting the account be closed and removed from my credit report. XXXX did not respond. On XX/XX/XXXX I received a letter from XXXX  requesting the other 50 % claiming that the 1 payment was still outstanding so now the entire balance was due. I called maybe 20 times, speaking with many representatives, with no success. XXXX did respond on XX/XX/XXXX as well as XX/XX/XXXX indicating the account was in dispute. 
As of today XX/XX/XXXX there is no return phone calls from XXXX and each month the missed payments are being posted on my credit report indicating the account is in default, ultimately lowering my credit score. I filed a dispute with all 3 credit bureaus, but XXXX XXXX  response is, the account is still active. I need further this issue in order to achieve resolution. I will also be filing a complaint with the attorney generals office as well. 
Thank You
My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. 
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.