WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016 I used JC Penney 's website to make an electronic payment of {$420.00} to my JC Penny credit card number using my XXXX XXXX XXXX checking account. This has never shown up on my JC Penney account. I have tried to work with both banks but Synchrony Bank, who handles the JC Penney credit card, still has not found the money that XXXX XXXX sent them. I forwarded detailed ACH information on the transfer provided by XXXX XXXX to Synchrony, but they still do n't seem to be able to find my money. Even worse they have not even responded to my recent faxes to them. With all of the detailed information provided by First Merit that clearly shows the transfer to Synchrony Bank/Penney 's went through, I do n't understand why they ca n't simply trace the payment and apply it to my account.
Sunbelt Credit in XXXX XXXX, Texas keeps calling me for a debt owed by a person I do n't know. They keep calling me to see if they can reach him and I have told them repeatedly that I do not know who they are talking about or why they even have my phone number. The calls have been coming for about a year now and each time they tell me they will remove me from the system. I 'm at my wit 's end here. They need to stop. Their phone number : XXXX The last time they called me was today, XXXX XXXX, 2017, at XXXX.
I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''
Convergent attempting to collect a debt for {$5100.00} acct    XXXX  from a previous fraud account dating back over 10 years disputed with original creditor and violates my rights under Fcra and Fdcpa and the statute of Limitations and i request a  Cease and desis t on a collections from this Fraud account.
On XX/XX/XXXX i made a complaint with the consumer financial protection bureau about an unathorized inquiry made by XXXX XXXX. In response to that complaint they replied back to me stating i allowed the inquiry. XXXX XXXX XXXX, the Vice President wrote stating that one inquiry was for XX/XX/XXXX and he found no other instances in which they requested my credit report. Well Mr Vice President of PenFed explain to me what this is then in the attached files. To the CFPB stop closing the account just because the company responded. You are here for the consumers so please, do your job.
To whom it may concern : Upon receiving my consumer report from LexisNexis, I noticed that they are reporting a Bankruptcy under the file they maintain under my social security number. 

On XX/XX/XXXX I sent a them a letter via certified mail, return receipt requested, in which they received and signed for on XX/XX/XXXX. In this letter I requested validation and verification in accordance with FCRA guidelines. 

I did not receive their response until XX/XX/XXXX in which they sent me a letter that simply stated it was verified as accurate FCRA requires credit bureaus and consumer reporting agencies to have a response in the consumers hand by the 31st day from receiving the initial dispute. This in itself is a violation of FCRA. 

I then sent another letter on XX/XX/XXXX in which they received and signed for on XX/XX/XXXX requesting verification per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 

In the meantime, I also obtained a letter from the florida bankruptcy court which clearly stated that they do not provide any information to the credit bureaus. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that they verified this bankruptcy as accurate is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

LexisNexis has not responded to my last request. It has now been 46 days and still no response. This is a direct violation of FCRA. 

I know that there is not a Bankruptcy that they can validate or verify as reporting accurately, and have violated FCRA by not responding and verifying the challenged information within 30 days. therefore they must delete it from my file and stop selling/reporting this information to Credit bureaus and other 3rd party consumer reporting agencies
There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not/was never mine.
Experian has failed to correct information in my credit report pertaining to XXXX XXXX XXXX. I have submitted disputes in several occassions along with documents to that sustains my disputes with no avail.
This company has never sent any written documentation about the debt by mail. They call multiple times a day. They consistently use different numbers to call. The calls started a week ago. I received a phone call today. I repeatedly asked them not to call during business hours, due to my schedule at work. They are extremely unprofessional and continues to threat to damage my credit and sue me. 

I requested a license number & the representative by the name of XXXX refused to give me the information. I asked them to validate the debt. I have never received a notice and the original creditor has all of my information on file. 

They told me that the original creditor is not allowed to give me any information.
I called Seterus as I did get a late letter notice. But I also wanted a detaile escrow statement for 2015 with all payments & the breakdown of my taxes and home insurance. When I called, I was connected to XXXX and he found my payment was in escrow, not sure why. But I also asked him for this detailed printout. I had to call him back with my loan number and I got XXXX XXXX. Needless to say, this young kid was not only rude, he talked over me and all I wanted was this printout which I am entitled to. 
I have had several issues with Seterus in the past but I have been ahead with my payments in the past years, even paying more on principle. So my request should not be something that causes a customer service rep to get nasty about. 
This was on XXXX XXXX of this year and I have yet to receive my escrow printout.
I received an offer from HSBC bank to get {$350.00} if I open a checking account and keep {$3000.00} balance for 3 month and pay 2 bills per month from the checking account for 3 consecutive month. I did all of this for 3 month and today I received a letter from the bank that they are now closing my account because of some " Rules for Deposit Accounts '' and of course they did n't honor the {$350.00} bonus that they advertised. Very strange, that they opened this account, kept it for 3 month and used my money and when it come to pay the bonus, suddenly I am not qualified for the account. I think it is a fraud on their part and I will bring this matter to the Attorney General 's office and Federal Trade Commissioner if it 's not resolved.
On XX/XX/XXXXSeterus purchased and enforced a forced place insurance policy on XXXX XXXX XXXX XXXX without notice and while the property was under a federal stay. The XXXX had insurance on file in the case documents for the property with the bankruptcy court at the time of the placement. This illegal creation of the escrow account for forced place insurance in XX/XX/XXXX lead Seterus to pay off one of the Debtors tax plan agreements in XX/XX/2013. The XXXX XXXX XXXX XXXX treasure had agreed on plan and this payment plan was part of the Debtors confirmed bankruptcy plan in the amount of {$1500.00}. Seterus then added the tax plan balance to the illegal insurance escrow balance and began trying to collect from the debtor. Seterus was notified by the debtor that these actions were illegal in XX/XX/XXXX. The XXXX refused to pay the added illegal expense. Seterus raised the monthly payment to force the Debtor to pay the added bill or face foreclosure action. I have enclosed a Conditional stay of relief as a exhibit. Seterus will state that because of this relief they had the right to insure this is not true for two reasons. 1 the insurance predates the file date of the relief. 2. I had insurance on file with the court. Seterus just flat out violated my bankruptcy plan by paying off my tax plan and billing me the balance at a shorter term. Seterus needs to recognize what they have done and correct the loan back to the improper insurance XX/XX/XXXX. Seterus has been avoiding sending back a answer though the CFPB because the company has violated my bankruptcy rights and the FDCPA by trying to collect bankruptcy XXXX debt along with insurance fraud.
On today I spoke with a young lady who was n't even located in the United states XXXX XXXX with Equifax. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Equifax and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/XXXX this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. 
This company bought this account from XXXX XXXX from XX/XX/XXXX and it was originally filed in my Chapter XXXX that was converted to a Chapter XXXX in XX/XX/XXXX. This company has reported this on my credit report as a new account from XX/XX/XXXX
I put in for the income based program, and was told that I did n't qualify, I then resubmitted months later after being late and defaulting and was granted XXXX payments. But, they also failed to tell me that my did n't cover all my loans through them after I had asked if all my loans were out of default now.. I recently noticed that it has happened again, only half of my loans were covered and I specifically asked if all would be .. With this being said I found out this time by a bill in the mail stating I had past due payments, so once again I am having to call them and get this corrected. I have late payments on my credit report because of this and my scores had dropped substantially. I wrote have written letters of goodwill to try and get these removed as a last effort to save my credit and have not received a response. Any help in this matter would be greatly appreciated.
I contacted the company and advised them that I was having a hard time making payments at the moment as I was working at a XXXX  in town. At the time I was only making {$7.00} an hour and was only able to do part-time work for at maximum 30 hours a week. The company wanted me to make a payment of {$100.00} and something dollars. I advised them again that I was unable to make that payment. The lady ( XXXX ) then told me if I was not going to make that payment they take legal action and send the police over to my place of employment. She said the company was than going to take me to court. Feeling desperate I borrowed {$500.00} from an ex-boyfriend to make that payment and stop the calls for a while. I made the payment with his card and she did not verify that I was an authorized user, nor if I had permission to use the card. Later on I had my loan refinanced and have been able to make the payments for almost a year. Today, again I was unable to make the payment, this time being an amount of {$71.00} and again I was speaking with XXXX. She at first said they would be able to take half the payment and then the remainder to the XXXX of next month and then quickly changed her mind and stated that I would need to make the payment by the end of the month. I advised her that I would not able to do that. Again she stated that they would then have to pursue legal action. She said it in a way that sounded like a threat, so I advised her that the threat was not scaring me. She stated it was not said as a threat, but what would occur.
I 've attempted multiple times to freeze my credit report online with Equifax. I routinely encounter an error message online. I sent a letter in requesting the freeze. I want to make sure that the freeze has actually gone through since I do not know if the letter request arrived.
I have been a user at www.coinbase.com for over a year. They recently closed my account claiming I have violated their TOS, and are forcing me to withdraw my funds ( {$12000.00} USD ). I have repeatedly withdrawn from their site before using my linked bank-account. But this time, they will not process the withdrawal because of a system error. 

XX/XX/2018 : I e-mailed their customer support about this. They replied to my e-mail with a URL link that I should use to fix the issue - but the URL does not work. 

XX/XX/2018 : I told them the URL they provided does not work ; they referred me to a " specialist '' to " investigate '' the issue. 

[ four days pass with no reply ] XX/XX/2018 : I call their customer support phone hot-line, and they said they would send me an e-mail with a different URL link. After I hung up, I tried new URL link, but that also did not work. 

XX/XX/2018 : I call their customer support phone hot-line again, and they said they can see the issue had previously been raised and there is nothing they can do to speed it up. They refused to give me a timeframe of when it could be resolved. They said they are just support and have no information of the progress of the " investigative specialists '' that my issue was forwarded to a week ago. 

I have read that many people have had this issue since 1 year ago, and have waited 3+ months still with no reply. Then there are reports that CFPB complaints is the only thing that gets coinbase to rectify the issue in a timely manner.
I made a payment online to Green Tree. They replied back about a week later saying the bank XXXX did not have enough funds to cover the mortgage payment. The letter states I owe them {$25.00} is processing fees and know the payment is late so I have late fees as well. Of course there was more than enough money in my account at XXXX. Green Tree has no said they will no longer take online payments or checks from me.
My complaint is with Freedom Mortgage, XXXX XXXX XXXX, XXXX, Ind XXXX ; the mgr. of the Tax Dept is XXXX XXXX. The first problem arose when {$930.00} was required monthly as the escrow payment. The total annual property tax for XXXX is {$8200.00}. The monthly amount should be {$690.00} in 12 monthly increments. Instead, Freedom requires an additional {$230.00}. When we questioned the excess amount, Freedom said they were assuming a large tax increase in XXXX. This assumption conflicts with California law which limits an increase to 2 %. The assessor analyzes property values each year and adjusts the tax bill up or down based on this analysis done between XXXX and XXXX. 
Currently there is {$9200.00} of our money in that escrow account. The extra {$230.00} over six months will be {$1400.00}. We did not want an escrow account as we are able to pay any property tax and did so with other mortgages, paying directly with no deliquencies. Freedom does not allow us to manage the property tax payments although they are doing a poor job and failed to pay the taxes on time. We sent a fax to Freedom with the tax bill in XXXX and asked that the entire amount be paid. Customer Care provided the fax number. The fax was addressed to the Tax Dept. The County tax office confirmed this week that the tax was unpaid and delinquent with a penalty assessed. A call to Customer Care revealed that the fax was buried somewhere in the files and was not forwarded to the Tax Dept. We want the escrow account terminated given the incompetent management. Calling Customer Care is useless as each time you get a different person. We were told to send the tax bill but were not given the correct fax number. Freedom does not issue guidelines for tax bill payment and apparently does not track tax information on the County website where the tax bill, including the Secured Supplemental Tax Bill is  displayed. This is a flawed system that does not work for the consumer. That impound account belongs to us and we are capable of handling the tax bills. Please help us out of this nightmare. There is no benefit to us from this arrangement.
Ocwen has made numerous mistakes, delay tacktics, postdating items I have sent in, and now decided to foreclose without any notice or proper advertisment of my foreclosure. On XXXX XXXX I received a letter from Ocwen stating that my loan had been postponed and that as of this date, no future date has been determined. I continued to sell my house and my house is due to close on a sale in XXXX days. I submitted this information to Ocwen on XXXX the XXXX. They wrote me on the XXXX that my home was being sold at auction Tomorrow XXXX XXXX. I supplied them with a copy of the letter and they wrote me back and stated they did not need to give any notice to sell the property. I was given no information of the sale, I asked for copies of proper advertisement and they did not provide it. I am beyond myself. I have filed several complaints about there actions which are currently under review. Alaska statute states they must properly advertise the sale prior to foreclosure for date and time. This has caused me extreme hardship. They stated they would postpone the foreclosure if I provided proof the loan would close on XXXX XXXX, which gives me XXXX business days notice to foreclosure. There letter clearly stated no new date had been set. I could have secured short term financing for the amount due but since the house has sold and they did not set a new foreclosure date, I opted to do the entire payoff. I also notified Ocwen they had made an error by not advertising the sale and not giving me notice and denied me the XXXX day delay until they formally respond. Now they tell my I have to submit any further correspondence with them in letter form to ensure delays in my correspondence instead of contacting them by email.
JP Morgan  Chase bank reversed fraud on my account. Below is the letter they sent to me. I have never shopped at  XXXX . I had my bag stolen that had multiple credit cards and my passport and DL in it.  XXXX  immediately stoped any charges because they thought there was fra ud. Chase however did not. I am disputing a charge of someone shopping at   XXXX  in North Carolina. Below is what they sent to me.     Dear  XXXX   XXXX   XXXX , Thank you for contacting us about the following transaction (  s )  : Date posted :    XX/XX/2017   A mount : {$260.00} During our research we found that the merchant provided the product or service you were charged for. That means the charge is valid, so we will reverse the temporary credit we issued to your account. We consider this case closed.     Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service.     If you require further assistance, you  may  contact us at  XXXX   International c ustomers please call  XXXX . Our Customer Claims Analysts are availabl e 24  hours a day, 7 days a week.     Thanks for banking with  Chase Customer Claims Specialist  Claims Department Number  XXXX
The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX.
I recently submitted a complaint to the XXXX about Equifax not responding or removing inaccurate information on my credit report regarding a bankruptcy. Equifax responded stating, they verified it was mine through the courts. I called the court and they mailed me a letter stating they did not and do not verify any information to third parties and credit bureaus. The Sr. specialist who responded to my complaint then went and deleted all my history, all my accounts, and changed my current address. This malicious act was done the same day the XXXX gave me Equifax response. The only thing that is showing on my report is the bankruptcy in question. First I noticed a difference in my score on XXXX, then I called and spoke with an Equiax rep and they informed that the only thing showing on my credit is the banruptcy. I had over XXXX open accounts in good standing and a 9 year credit history. This action by this company has dropped my credit score by XXXX points intentionally damaging my creditworthiness further. I do have the identity of this person and their intergrity should be questioned as far as their job position and the power they hold. I am now in persuit of a legal representative.
I recent pulled my credit report and noticed an account listed that I do n't recall signing any contracts with and by me having a common name I   XXXX   my name in my area and noticed several people with the same name as myself. After disputing with credit bureau and they claim to have verified but send me no supporting documents as in a copy of a contract of some sort bearing my signature.