WillisBack/dataset-financial-user-claim huggingface dataset:
I bought my husband a watch from a company called XXXX XXXX for {$190.00} on XX/XX/2018. My husband didn't like it so I returned it promptly to the same address it was shipped. I sent it by XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. It was received by XXXX XXXX on XX/XX/2018 and accepted by an employee name XXXX. The XXXX Tracking number is XXXX. 
After not hearing from the company I contacted them and they told me I should have got an RMA number when returning the watch. Unfortunately, I had already returned the watch to XXXX XXXX and as the Tracking Detail shows, they have it. 

Since I returned the watch and did not receive a refund, I disputed the charge with Citibank whose MasterCard credit card I used to purchase the watch. They assigned me a dispute number XXXX. 

It's important to note, Citibank failed to provide a copy of the merchant response to me. Their documentation said it was attached but it never was. I contacted Citibank several times asking for the response and their agents told me that they didn't know why it wasn't included but would send it to me. Citibank never provided this information to me. 

On XX/XX/2018, Citibank said they could not give me a credit because I had not followed the companies return process. 

This action by Citibank is unfair in that they are charging me for a watch I do not have but the merchant XXXX XXXX does ( see Tracking Detail ). Their actions also must have violated federal banking regulations in that they never provided me the merchant 's response and thus deprived me of an opportunity to respond to the merchant 's response.
I filed for bankruptcy, and the company has retaliated by blocking me from accessing my account. I am no longer able to check when payments are due, how much is due, tax information, payment history, or anything else. They refuse to send statements, so I can't get the information there either. Without having this information available, I am at risk of losing my home, and that is their whole purpose in denying me access to MY information. Contacting then numerous times has had no results. They are also violating Federal Bankruptcy laws by retaliating.
In XX/XX/XXXX we moved from our home in XXXX to XXXX. We still own the home in XXXX and planned to use the home as a rental property.On XX/XX/XXXX our our homeowners insurance was canceled by XXXX XXXX XXXX. At that time we, the homeowners were never informed, but Mr. Cooper home Loans the lender for our mortgage was informed but failed to let us know. In XX/XX/XXXX, when our homeowners insurance was up for renewal we were informed of the cancelation in XX/XX/XXXX. In XX/XX/XXXX, Mr Cooper informed us since our policy lapsed we would need to purchase insurance to cover  XX/XX/XXXX through XX/XX/XXXX. I attempted to do so but was informed by my insurance agent that it is against the law to back date a policy and provide a policy for coverage that they did not provide. I informed Mr. Cooper of this and was told that they would then take out a policy in my name through their company to cover the lapse in coverage. They just sent me a new homeowners policy costing {$1200.00} and stated I would have to pay for this policy which has been purchased without my consent and would be back dated to cover XX/XX/XXXX through XX/XX/XXXX.
OnXX/XX/2017, I send XXXX a dispute letter to take off the current bankruptcy on my credit report. XXXX responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter onXX/XX/2017. After that XXXX again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.
I graduated from college over XXXX XXXX ago and made {$5000.00} in payments and they applied all {$5000.00} towards interest. Here they were charging me XXXX % interest while in school when I was n't required to make payments. Even know I was in school I still tried my best to make payments and all my payments went to interest.
My name is  XXXX   XXXX   XXXX , I am a  XXXX  patient. I am concern for the outcome of the modification that  Chase  is giving me. I have been struggling making payment where {$390.00} is hard for me to make, as well as the increased amount of {$400.00} later on. That  ; s w hy I could not keep up with the payment. Now I am getting the amount of {$430.00}.  XXXX  as the payment per month after modification is booked. I am seeing something wrong with this picture. I would like  Chase to discuss this with the loss mitigation manager department to see if they could extend out the term with the lowest interest rate so my payment can be lower tha n before.
XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating.
I went to the er back in XX/XX/2013 and had medical treatment done.I didnt have insurance at the time, but got insurance two months later.The treatment was done at XXXX XXXX, in XXXX colorado.I checked my credit score and noticed i had a XXXX bill in collections from aargon collection agency.Since 2013 i have not received or been notified by either the hospital or the collection agency.Or had the opportunity to try and pay the debt.My insurance was willing to retroactively go back and pay it..but being that they havent tried to contact me for 5years my insurance wouldnt.
" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Navient continually raises my interest rate. Every year, it goes up at LEAST .5 %, and it is currently at 10.75 % ; up .75 % this year alone. I have tried contacting them to lower my interest rate ( I have a near perfect repayment history with them ) but they always tell me there is nothing they can do. I can not afford to pay more per month to pay this loan down, so it just sits there collecting an absurd amount of interest. I feel they are taking advantage of me and I feel powerless to stop it.
On XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.
I have repeatedly contacted equifax as well as XXXX about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully XXXX. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with XXXX   and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to equifax on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.
I have been trying to resolve this Debt as XXXX XXXX XXXX, this is a Bogus Debt from a creditor that some how finds out that you did a mortgage loan refinance and then turns out bills for un contracted or acknowledged fees. I have asked repeatedly for a contract signed by myself and my wife, without success. I am now receiving invoices from Sortis Financial with the same addresses and amounts. I can only assume that this is due to the request to cancel or remove this Debt listed under ClearSpring. 

Please make every effort to remove this from my and my wife 's Credit Reports at is seriously impairing our ability to secure student loans for our children 's college..
To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my husband also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxes jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.
I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products. 
Hopefully the government can look into this incident to keep it from happening to other consumers.
I have had an account with td bank for less than 90 days and I have received over XXXX dollars in overdraft fees even when I 'm not using my card. I hate this bank. Everyone I go to the bank off XXXX XXXX in XXXX, I ca n't get a manager. This is the most unprofessional business I have ever come accross. SHUT THEM DOWN
Was denied credit because Equifax did not have the correct amount owed, made a complaintfor the to investigate..the results came back the same amount owed even though I paid the bill on a couple of my accounts, they completed there investigation XX/XX/2015. which proved they lied..I called my creditor, on my account it shows the correct long before Equifax claimed to have done a investigation..I have a copy of my account proving they did not do an investigation, they just lied and reported what they wanted to..that is fraud will send a copy of my other account as well, this is fraud, they are not reporting the truth even if you make a complaint ... This is fraud in my book..
I recently received two letters from Portfolio Recovery Associates on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a XXXX XXXX Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.
I have a chapter XXXX bankruptcy listed on my credit reports with all three credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all three credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.
First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax.
My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.
There was inquires from Chase Card on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
On XX/XX/2018, I was contacted by a seller claiming he was renting out a studio apartment in XXXX. He even had a picture of his driver 's license with the address in XXXX XXXX which, in retrospect, was likely a picture from another possible victim. Over the next 10 days I corresponded with him over email and text messages to finalize the rent. I paid via the XXXX XXXX app, XXXX XXXX, and XXXX Messenger pay. Unfortunately when the time came, he claimed he couldn't send the keys to the apartment and the leasing documents. When I confronted him, he called me a variety of names and later on admitted to scamming me due to poverty. 
I contacted my bank, PNC, immediately after and filed disputes for every transaction. Since it's based on the east coast from when I attended university, I was unable to visit any branches. The fraud investigation department took 3 months to get back to me and said they were completely unable to do anything. However, I specified that it was a scam and that I had indeed authorized the transaction, so it wasn't an issue of someone else taking my card number. Yet these transactions weren't able to be reversed. The only company that did anything to help me was XXXX, who reversed my transactions in XX/XX/XXXX immediately after listening to me describe what happened. Unfortunately since only 20 % of my payments were made through XXXX XXXX as the seller preferred the other methods, I still have {$5900.00} left to recover.
FILED Chapter XXXX bankruptcy in XXXX. The Chapter XXXX plan was NOT CONFIRMED and was DISMISSED by order ( attached hereto ) of the Bankruptcy court in XXXX. Nevertheless, Experian Credit reporting agency continues to report only the Bankruptcy filing and the dismissal. It does not report the fact that there was NOT a confirmation of the bankruptcy filing as based on the Order of the Court. The Experian Report is incomplete and therefore inaccurate.
Closed our account with XXXX XX/XX/XXXX. They continued to automatically charge my credit card on file for an additional months bill in XX/XX/XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since XX/XX/XXXX, they continue to refer me to their 3rd party collection companies. First with XXXX XXXX XXXX, which, after numerous emails to them including copies of XXXX chats, I finally filed a claim with CFPB ( XXXX ) that helped get resolution with XXXX and I thought with XXXX. XX/XX/XXXX, I received a new letter from a different collection company, IC System. I contacted this company by phone and was told that I could not submit proof that XXXX had cleared the matter by email, that I would have to send by mail. I noted I would submit a claim on CFPB. About 1 week later, I gave birth to my XXXX child. I had not heard back from the Creditor, so I hoped it had been cleared by XXXX and there had just been time lag, since I have received nothing but the first letter from IC System. I just checked my credit score ( XXXX XXXX, XXXX ) thru my credit card and have a debt collector issue. IC System and XXXX are the only possibility. I have not been negligent, I have contacted XXXX, XXXX, and IC System at every step of the way as possible. I continue to be told by XXXX that the issue has been resolved and no debt is due by XXXX, only to find out later by written mail that they have escalated the claim to different Debt Collectors. At this point I feel XXXX is harassing me and has cost me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get ATT to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you
For the past month I have been trying to get Chase bank to report the payment history on my mortgage to the credit bureaus. You have refused to do this because they think that the mortgage is being handled through Chapter XXXX bankruptcy. They seem to ignore that the monthly payments come directly from me and not from the Chapter XXXX Trustee. 

The fact is that this mortgage was subject to a lawsuit that was settled in XXXX 2016. This has  nothing to do with the bankruptcy. A copy of the settlement agreement is attached. 

I have mailed and faxed numerous documents to Chase Bank. They ca n't seem to make a decision. The person I last spoke to though that I had filed a new lawsuit against Chase. Someone else must have thought that I had requested mortgage assistance because yesterday I received an application for that in the mail.
I have recently obtained a copy of my credit bureau – XXXX XXXX and XXXX  credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so
I was notified on XX/XX/18 via credit monitoring service about a fraudulent inquiry appearing on my credit for Barclays Bank. I immediately called to advise them the inquiry was fraudulent and was advised their systems were down and that I would need to call back. I was alerted on XX/XX/18 that an account was established with Barclays Bank with XXXX XXXX. I advised it was fraudulent and the representative advised that only one declined  transaction was attempted and that the account would be closed right away. I also submitted a dispute with the credit bureaus and received a response that Barclays determined the account was mine and it now had a balance of nearly {$4000.00}. The account was opened with a fraudulent address in XXXX, AZ and with a fraudulent phone number. I have never lived anywhere other than TX.
Dear CFPB This letter serves the purpose to inquire regarding the sudden closing of my credit card account numbered XXXX XXXX XXXX XXXX. The account was closed arbitrarily by Citibank without informing me prior to such decision. 

As a customer, I did not received any notification of the banks intention or any information as far as the intent or the motives behind the closing of this account. When I called the number that appears on the letter I received after the account had already been closed, they told me that they were not authorized to disclose any information to me, unless I request it in writing, thus this letter. 

As you may understand, this decision has caused a lot of inconveniences for me. I do not appreciate not being given proper advanced notice and being treated unfairly by this institution. 

As an American citizen I demand Citibank to respond immediately to my request and give me the reasons behind this arbitrary decision. 

I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.