WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017. 
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I was in the process of refinancing my home past autumn. Told my they would need $XXXX for my home to be appraised. On XX/XX/17 they took $XXXX out of my credit card. Then I was told there could be no peeling paint on my house and to fix my house for the appraiser. To paint in XXXX. in Colorado in not an option. I changed my mind and backed out of the loan. I wanted my $XXXX  back as they assured me I could do. Have not been able to get my money back. Have not been able to even get a phone call back. I have called many times. No calls back.
I am writing to assert a formal Complaint against American Express and XXXX. I have spent hours attempting to obtain a refund from XXXX 's and American Express for a defective pet hair dryer. Clearly, XXXX 's practices violates the mandates of the CFPB, State law and federal law. Moreover, American Express refuses to eliminate this charge from my credit card balance and simply sends form letters with no value or substance, other than issuing a partial credit. Specifically, American Express has refused to honor their warranty provisions of their credit card Agreement in connection with my purchase of a XXXX XXXX XXXX. First, the XXXX XXXX XXXX was supposed to provide some level of warmth to the air it emits. In fact, according to ( the manufacturer 's ) marketing material on the XXXX, they represent : Great XXXX for small and large dogs XXXX speeds, XXXX temperatures 1. XXXX TEMPERATURES In the case of the subject XXXX, there were not XXXX temperatures. There was XXXX and it was room temperature, even after XXXX hour of operation, which was more than adequate for the unit 's motor to generate heat. Second, while safety of the pet is of paramount concern, it would be redundant for the XXXX to have " XXXX temperatures '' if XXXX of the temperatures was not, at some point in operation, warmer than the other. This representation was materially false. 

2. XXXX The XXXX was represented to be a " XXXX '' in the advertising materials, meaning that a " XXXX '' generates blown air and velocity and a " XXXX '' does just that .... it dries. However, since the subject XXXX was defective and would not warm to any level beyond room temperature, it would not function as a " XXXX, '' as represented. This was a material misrepresentation under UCC Section 2-315, the Uniform Consumer Credit Code and applicable State and Federal law. 

3. SIZE OF THE DOG AND SIZE OF THE XXXX In Groomer 's and XXXX XXXX XXXX 's marketing materials, the unit was supposed to be a " great XXXX for " small and large dogs. '' The dogs on whom the unit was used were small to medium sized, XXXX at XXXX pounds and XXXX at XXXX pounds. Neither have long hair. 
This unit would have been ineffective on the smallest of dogs. 
RETURN POLICY : XXXX 's has referenced a " return '' policy. This policy presupposes that they did not sell a defective product. XXXX 's Mall did sell a defective product and relying upon a self-serving return policy will not exonerate XXXX 's Mall or XXXX XXXX XXXX from violating federal or state law. 

It is my expectation that I receive a full and immediate credit on my American Express within 5 days of the date of this complaint. In addition, I recommend that the CFPB further investigate XXXX 's practices based upon their false advertising and illegal business practices.
My Mortgage Company XXXX XXXX XXXX withdrew my mortgage payment twice instead of once on XX/XX/XXXX for payment due XX/XX/XXXX. {$740.00} was deducted twice. We contacted them via phone on XX/XX/XXXX and they said we had to email a screenshot of the bank statement and we would hear back in 24-48 hours. We received an email saying they were reviewing the claim on Thursday XX/XX/XXXX. I called back Monday XX/XX/XXXX because we had not been credited the second payment. They said this would be reversed on XX/XX/XXXX which I told them was unacceptable as an electronic transfer should take 1 day. I asked to speak with a manager and was put on hold. When the person came back on the line they said they had fast tracked the reimbursement and I would have it by end of day XX/XX/XXXX, I asked him why I did not get a manager as I had asked for one and he said none were on the floor. Today XX/XX/XXXX I still have not been reimbursed for the second payment they deducted from my account.
XXXX dollars was withdrawn from my acct which my card was lost/stolen and it wasent me it was fraud and they said the denied my claim of grounds cause my pin was used .. anybody could of seen me use my pin n waited for for the right chance to do what they did to me.
Contacted TransUnion customer service and spoke with  XXXX  she would not help and take care of the negative inquiries reporting to your credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have both successfully and unsuccessfully file disputes online via Equifax 's online dispute center. When successful, once I am notified of the results being available, I am unable to access them due to my info not matching what was on file. 
On one occasion when I called, the service rep told me the online system was down. Today when I used their web chat, I was told the same thing. For the past 3 days, including today when I have called, I was told by the rep that the 'system was updating and to try again later. ' The recording on the customer service line even has the nerve to send you to the site to submit and check the status of the report. 
My concerns are that they are offering services that are inefficient and ineffective if the customer is unable to use them and Equifax is unable to provide timely solutions when they are aware of issues with their system. Additionally, why are updates taking place during normal business hours impeding customers ability to get answers and access to their credit report. That is insane! They a once of the primary credit reporting companies that are used to impact millions of customers financial knowledge and well being daily. That should be unacceptable!
we have a closed case with this company already however upon checking there was a Loan Renewal dated XX/XX/2018 I did NOT Authorize & it is pending for {$650.00} and starts XX/XX/2018 now i spoke briefly with Company on XX/XX/XXXX phone call & asked about the loan they stated they rec Complaint & had stopped ACH withdraws from my account but THEN stated I still OWED them XXXX come XX/XX/2018 there better not be any withdraws from my account as they stated they stopped it Loan Application Application Number : XXXX Loan Type : Renewal Loan Status : Pending Application Application Date : XX/XX/2018 XXXX Loan Amount : {$650.00} Total Amount Due : {$0.00} Due Date : XX/XX/2018 this is from there website and that is under My name & Social Security number
My home is in foreclosure. I am working with Specialized Loan Servicing. I submitted a request for modification through XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX has not been active as an advocate for me to get relief from SLS. On XX/XX/XXXX I received a letter from SLS indicating they want a letter of explanation. This followed a request for a copy of my pension documents from the XXXX XXXX XXXX County, Maryland. The requester was XXXX XXXX, ID # XXXX. All of this information was to help them modify my loan to a point I can make the monthly payment. Just a few days later, before I was able to submit a letter of explanation I received a letter from XXXX XXXX ID # XXXX, dated XX/XX/XXXX ( just 4 days ) indicating my loan was modified and my trial payments were {$1500.00}. This is the same modification that was offered to me in XX/XX/XXXX. I talked with XXXX XXXX then and told her I could not make that payment due to my fixed income. I am XXXX and receive a Social Security check for {$1800.00} a month and a pension check for {$430.00}. This pension is based on my being a Volunteer XXXX XXXX XXXX for 43 years. I told XXXX XXXX in XXXX I could not afford the monthly payment and needed it to be around {$1000.00} a month. Notwithstanding she sent the same modification out so I can not afford it and they will take my home. She did not reference any of the documents sent to them by XXXX wherein I requested the lower payment. Furthermore they made their decision before I was able to send the letter into XXXX XXXX. In my opinion they are bargaining in bad faith, knowing I can not afford their modification. I have lived in my home since XXXX.
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.ACCOUNT XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX* 2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in 2017.
Case number : XXXX OCWEN FIN. 
In XXXX XXXX OCWEN was mail 3years statement XXXX TO XX/XX/XXXXshowing payments was wire to GMAC & OCWEN. Ocwen has said therewas no payments in two years. Ocwen charged me in XXXX XXXX $ 350.00for some type of Home secure, Which I have no ideal about. In Additions, XXXX Mortgage company in XXXX and XXXX said Ocwen has it setup that I can notrefinance. In Addition, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX seems to may have change the Loan terms and Mislead, XXXX with OCwen, I have A gov.Loan, I had problem since buy my XXXX homein XXXX. In XXXX wanted to refinance and XXXX was un able because how OWCEN HAD THIS SETUP ON MY HOME. I ALSO CAN NOT GET EQUITY LOAN BECAUSE OF OCwen setup .My agent subject I get take OCWEN TO COURT or XXXX they redidterm loan. .reporting it falsely as an active loan Some how GMAC & XXXX charging me 17 % on Mortgage payment since XXXX. I refuse to pay this.
I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter.
XXXX/XXXX is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. XXXX/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
XXXX, XXXX, Equifax, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is XXXX!!!!!!!
This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also Receivable Recovery. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX. I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
RE : dispute with XXXX Citi Card - XXXX  XXXX  claims an order was delivered but never was delivered. I have repeatedly provided XXXX Citi Card with proof of non delivery to me to no avail. In fact they have gone out of their way to outright lie to me claiming that documentation was never received by them when in fact they have admitted as such. Tracking clearly shows this was delivered to XXXX XXXX FL, I do not live there and have received nothing! Now dealing with executive response unit but this has been going on since XX/XX/2018. What has happened to this company? Its time to leave ... ... ... ... ... ... ... ... ....
I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought " why not? ". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. 

I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.
The mortgage company that we had filed a prior case about in XXXX XXXX due to not assisting us with a modification/refinance. Is now Inaccurately reporting on our mortgage to the XXXX major credit agencies. We have submitted documentation showing we were not late from XXXX XXXX to YTD but have not received resolution and because of the inaccurate reporting we may not be able to get financing on a new home. I truly thought that after the multiple errors that we have experienced with Flagstar that we wouldnt be dealing with another issue with the same Lender. I will NEVER ever again do business with Flagstar Bank. Any assistance would so be appreciated as we do n't know what to do.
XXXX / XXXX / 2009 . I have disputed the issue with credit bureau to determine with account on my credit report is orginal or duplicated.
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn,  and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
XXXX XXXX XXXX provided services while I was XXXX. 
They were provided all of my insurance information and per my insurance company 's EOB ( explanation of benefits ) XXXX has submitted a claim and been paid in full. 

They have now fraudulently sent this bill to a collection agency - XXXX   XXXX XXXX which is showing up on my XXXX  Credit Report. 

This is insurance fraud and needs to be rectified immediately and removed from my credit report.
L J XXXX is reporting a collection on my credit report. I have never signed and or had an agreement with this company. They opened an account illegally from my understanding. I am willing to work with the XXXX and XXXX as well as the police to get them removed from my life.
This company has threatened legal action. This company took money from my bank account UNAUTHORIZED, meaning they STOLE from me! The " VP of Operations, '' XXXX XXXX. I was bullied into making a few payments, then when I did not pay XXXX XXXX threatened legal action. He told me I was wrong for the things his employees told me. XXXX XXXX would go back and forth with me about making a settlement. When I wouldn't pay he would yell at me saying " I'm cancelling all your payments and you don't get a settlement! '' Very immature to say the least. After speaking to him the last time I realized I never received anything stating my debt, stupid on my part. XXXX XXXX threatened me with legal action. XXXX XXXX took money from my bank account UNAUTHORIZED. He STOLE money from me. This company has broken the FDPCA NUMEROUS times and I will not stand for it.
I used the Discover Deals section of the Discover.com website to make a purchase with a 5 % cashback bonus. I used this page ( XXXX ) to buy a XXXX and get 5 % back, but when I asked a Discover representative later for more information they said my purchase was excluded, even though XXXX was not listed under exceptions for the deal at the time. The representative acknowledged that the live site at the time did not exclude the purchase, and said they would investigate further. The next day XXXX was added to the list of exclusions, and I was told I would not receive the 5 % back, so I canceled the charge. Attached is a print out of the original deal before it was changed and a transcript of my correspondence with Discover.
The 2015 year has been horrible for me financially because I had to deal with my mom getting diagnosed with XXXX and almost having a XXXX ; and my father getting diagnosed with XXXX and XXXX XXXX XXXX. I have also been dealing with my son who had XXXX, and had XXXX that had him hospitalized XXXX times last year.I received notice that my account would charge off in XXXX by mail if I did not make a minimum payment XXXX dollars.Therefore, I made the payment of XXXX dollars in XXXX. Then I received a statement saying I owed XXXX dollars or my account would charge off, but all I could afford to pay was {$25.00}. I paid the {$25.00} dollars in XXXX and my account charged off. I could see if I had n't made a payment at all, but I was trying to get it paid. When I called to talk to a representative she act like there was nothing I could do. She pretty much said I could pay off the charged off amount. Ive had this account since 2010.
Equifax is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.
In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....
A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. 
I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. 
I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. 
As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. 
My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?
Not credit reports exist with Experian & XXXX. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX  reporting.
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.