WillisBack/dataset-financial-user-claim huggingface dataset:
I logged into my Best Buy account to check my account activity. I wanted to see how much I paid on my previous due date. When I logged on and reviewed the statement I noticed a {$10.00} fee called XXXX XXXX  XXXX. I initiated a chat with one of their customer service reps and they told me the charge was a debt protection plan and that I could call the number listed next to the amount. The next day I called Best Buys credit card service and the representative I spoke too knew exactly why I was calling and she told me that since I did not authorize these charges that they would be refunded. She then asked to place me on hold. I was on hold for a few minutes, and then I was transferred to a recorded message that had already begun to play telling me the office was closed, and asking me to call back during business hours. I called back the following day, XX/XX/XXXX, and spoke to someone else. I explained the scenario again that I am being charged some fee each month for something I didn't enroll in or authorize and I wanted to cancel it and request a refund. She unenrolled me and then attempted to end the call so I reminded her that I wanted to request a refund for the charges. She told me that she would request the refund and I asked her for some type of confirmation number and she gave me " XXXX  '' and told me I would get a letter 30 days later. After this call I decided to do some research online and it appears that Best Buy has been doing this for a while and there are hundreds of complaints posted on various sites. I called the customer service line again the next day and explained that I found some information online and from what I saw they don't process refunds. I asked her if I really needed to wait 30 days or if she could just tell me now based on her experience with this issue if a refund would be processed or if refunds had ever been processed because this is a complaint they are clearly aware of. She told me they didn't have an answer in her department and when I asked which department does she said there wasn't one that could answer my question.

This practice is predatory and damaging to consumers. After looking at all of my available account statements I conclude this fee was a % based on the account balance. My last statement I paid the minimum payment of {$39.00}, they then applied interest in the amount of {$25.00} and the fee in the amount of {$10.00}. Making the amount I paid only {$2.00}. Best Buy is aware of their predatory and malicious practice as demonstrated in a letter from XX/XX/XXXX addressed to XXXX XXXX XXXX, the Board of Governors of the Federal Reserve System. In the letter they are making a request to alter the Boards recommended disclosure for debt cancellation. I feel that being asked to wait 30 days for this to be resolved is another tactic where they may be trying to pull a rug out from under my feet. This practice is malicious and done with intent of making money off consumers with non disclosed fees.

Thank you for taking to time to consider my complaint. Any help towards a just resolution is truly appreciated.
XXXX  has been non-compliant with removing the unverified account COLLECTION RESOURCES INC Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that COLLECTION RESOURCES INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
i called the debt colletor and paid in full {$100.00} plus fees for XXXX and also paid {$100.00} plus fees on another acount, and my credit report still shows that the one that was paid in full is still in collections. I called them and they said it wil not go off my credit report until the other XXXX collections from that same collection company is paid off in full.. and the guy told me it would go off my credit report and raise my score but it didnt, please help, thanks
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. Ally ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to 10 banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
I XXXX XXXX XXXX I applied for a loan at The Cash Store and paid of my loan and noticed that money was taken out of my account and as, I started to investigate an Employee at The Cash Store comited fraud and write checks under my account without my permission for her own personal use. How that happened to me don't understand, I was told that this was not the first time that employee done that to other customers. And now I have a collection on XXXX  XXXX  & XXXX  in the amount of {$760.00} im not responsible for that amount an employee takes out money and im in debt to pay this has to be removed immediately from my credit report.
On  XXXX / XXXX /  XXXX   I received a collection notice in the mail stating I owed the sum of  XXXX  to  XXXX   XXXX  and they,  Convergent Outsourcing Inc. , were a debt collector trying to recup this amount. This is the first time I have seen a notice like this and I have never had  XXXX   XXXX  service/account.
I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.
Hello I sent a certified letter to equifax concerning a bankruptcy that was listed on my credit report. This was in  XXXX   2017 . They signed for the letter on  XXXX   XXXX   2017  and failed to mark it disputed on my credit report as of  XXXX   XXXX ,2017. They also sent me a letter in  XXXX    XXXX ,2017  saying they verified it with  XXXX  in  XXXX     2017  but i froze my report on  XXXX   XXXX ,2017. They are clearly being dishonest and breaking the law.     thank you
Data IQ has been calling me non-stop, after I 've told them I can not pay them at this time. When I told them I could n't pay today, they said " well, I 'm sorry for what is going to happen to you next ''. They have implied threats to me, and are now calling me at work. I never received any notice that this account was being sent to collections in the first place, and now they are charging me interest!
The security questions with each of the credit bureaus have indicated that accounts have been established in my name. There seems to be a vehicle loan, mortgage loan, and a jewelry account in my name after honestly answering " None of the Above '' for each of these. I 'm XXXX and have just joined the military and I have not been able to track my credit score for a while. Please, provide a remedy or help me in this matter.
I was signed up with XXXX and they ran a consumer report on my driving record. 
There is false information listed. 

1. I have never driven a commercial vehicle, but this is on my record. 
GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION  XX/XX/2017 XXXX Code W01 Category UNACCEPTABLE LOOKBACK XXXX Description GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION Issued Date XX/XX/2017 State GA It also states I'm a minor in all instances.
XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report
I purchased and closed on a condo on XX/XX/2016. I obtained my financing thru XXXX XXXX who was at that time working for XXXX. I 've attached his current contact info. XXXX never informed me that XXXX was being purchased by Chemical Bank, which purchase was in the news 2 weeks later. He sent me an email the day he left XXXX to go to XXXX XXXX Bank informing me of his move and that he was very upset with Chemical Bank. I believe, along with a couple of other Realtors who have done business with him, that he may have deliberately not passed along the appropriate info to spite them. That being said, I know that it 's ultimately the bank 's job to get things done correctly and legally. XXXX told me I was getting a conventional portfolio loan for the condo purchase ( {$110000.00} purchase price ) with a {$23000.00} XXXX Homestyle Construction Loan ( on PA ) attached for renovation. I had to go thru a ton of hoops to get my financing but finally got the clear to close a month after the original contracted date. We closed on XX/XX/XXXX at XXXX with a closing agent who had not previously seen nor done any work on my file so she was flustered making me the same. The contractor who was going to do the interior work on my condo was at the closing as well but he was not asked by XXXX to sign the Construction Indemnity Agreement which has created a ton of duress since he made a mess of my condo, left the job XX/XX/XXXX, refused to the lien waivers needed to receive payment and has filed a Notice Of Lis Pendens XX/XX/XXXX. Although the Construction Contract I signed states that I am the contractor, Chemical Bank has refused to give me any draws from my construction loan leaving me in financial squeeze play. Although the only person in Chemical Bank 's entire staff who I 've been told repeatedly has any say regarding my construction rider, XXXX XXXX, says he refuses to disburse any of my money has been saying it 's due to the contractor, I believe it 's actually due my {$23000.00} having been stolen/laundered or vanished by some other means or person. I 've repeatedly asked both the XXXX and XXXX where the money is/for accounting or deposit records but they both refuse to give them or any other info. I 've attached the Closing Disclosure, XXXX Settlement Statement and most recent Chemical Bank statement. I do n't have a GFE and XXXX XXXX claims he does n't have access to it. The CD and XXXX do n't match up. They have different purchase prices, {$110000.00} and {$140000.00}. XXXX has a construction holdback. The CD does not. Another title company said a Commencement of Construction should have been recorded but was not. There is not a broker statement in my package either. XXXX XXXX, my broker until last Friday, has financial interest in XXXX.. When I started asking questions about all of this mess, XXXX deactivated my business email account along with other necessary computer/electronic signing capabilities, thus hiding evidence of all the work I did to try getting this figured out and resolved, along with making it impossible for me to work. All of my business contacts and their info was in the programs. I sure am hoping you can help! Thanks in advance.
I have credit monitoring in place and received notice of XXXX recent inquiries on my credit report XXXX from Chase Bank and XXXX from XXXX Bank. I XXXX are banks that service/offer credit cards branded by XXXX. 
I called both banks to ask why the inquiry occurred and was told that I had applied for a credit card on the XXXX web site by each bank. I told them I did not apply, nor want, a CC from their bank and to cancel the cards immediately. My wife then checked her credit report and found the same thing from these XXXX banks. She also called to cancel XXXX fraudulently authorized credit cards. We received the Chase bank cards in the mail on XXXX/XXXX/16 along with another mailing that we had also been signed up for a Credit Protection program that has a monthly fee that requires us to opt out manually. XXXX denies that any of this occurred from their web site as it takes more than a simple button click to apply for the XXXX credit cards. I 've put a fraud alert on my account and my wife 's account.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have been participating in the XXXX XXXX XXXX XXXX program, certifying my employer annually and receiving updates on how many qualifying payments I have made yearly. This XX/XX/XXXX was the first time I've been made aware that 13 of my payments are no longer considered as qualifying payments. In XX/XX/XXXX, I paid XXXX cents more on a payment due in XX/XX/XXXX and XX/XX/XXXX. My loan servicer states this put my account in paid ahead status continuously for 13 months, therefore disqualifying all XX/XX/XXXX payments and a payment made in XX/XX/XXXX. I  paid the exact amount owed according to my repayment plan from XX/XX/XXXX-XX/XX/XXXX. It does not seem appropriate that {$1.00} could be applied to construe my account as paid ahead when my payments in XX/XX/XXXX were $ XXXX/month, and later closer to $ XXXX/month.
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with  XXXX ,  XXXX , and Experian with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Secti  on 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
This account was reported to XXXX XXXXPayPal and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. XXXX XXXX XXXX says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by XXXX  that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.
after receiving notice of an impending direct deposit in my name on XXXX XXXX 2016, capitalone bank then accepts a deposit intended for me, but had already closed my account. causing me financial hardship. and not immediately returning the deposit to the ssa.gov. i wish to file a complaint with your offices, and receive financial resitution from this bank for the hardship they cause to me and my family with their reckless actions.
Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period.
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have reversed them but TransUnion 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. '' '' ''
My original loan was for {$7800.00} and I've paid all but {$4300.00} of it. I have made large payments up to the amount of {$800.00} at a time. I asked for a loan deferment for the months of XX/XX/XXXX and XX/XX/XXXX because I was having a XXXX and was never sent the paperwork for it despite calling numerous times and asking for it, but I was charged the fees for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the deferment. They also automatically withdrew amounts from my bank account without my consent for 3 months. And now they're beginning their harassing phone calls again. They call me five or more times every day.
Hi, Asset Acceptance obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked Asset Acceptance to provide me with the date and amount of the last two payments on the original XXXX account and they refuse to. I have contacted XXXX the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!
Experian FAILED TO EXPLAIN in a recent complaint to them ( submitted through the CFPB! ), WHY a POSITIVE CREDIT ITEM WAS REMOVED FROM MY CREDIT REPORT BEFORE 10 YEARS HAD ELAPSED! Experian 's response to me over the previously submitted complaint, stated that EXPERIAN 'S " credit report policies '' keep a " positive credit item '' on a consumer 's credit report for 10 YEARS ( my positive item-a STUDENT LOAN PAY OFF! ) was removed after only EIGHT YEARS! WHY? 

WHY does Experian REFUSE TO ANSWER QUESTIONS SUBMITTED TO THEM, even through CFPB?