WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a " club '' membership from XXXX XXXX XXXX on X/XX/2017, included in this I also purchased a product of which I am not disputing. the total dispute amount is {$38.00}. I am requesting the refund of {$29.00}. I attempted to resolve this matter with the merchant to no avail. I then disputed the charge with my card issuer XXXX XXXX.
They made a very feeble attempt to resolve the matter by sending me a copy of the receipt. I already had this receipt. I am not sure at what level of common sense the dispute department operates at. Proof of purchase was not at issue. It is now going into 3 months and I am getting no where with either party. I am requesting this agency, assist me in recovering funds owed me. These merchants play games with consumers and do not take responsibility for there actions or lack there of. I will take this matter for the sake of principle to whatever the law allows, so others may be protected from these types of abusive practices.
I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( XXXX ), I HAVE ATTACHED THE LETTER PROVIDED BY XXXX TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU
I recently closed on my home on XX/XX/XXXX. My mortgage then changed hands and is serviced by Lakeview Loan Servicing , LLC. My payment includes taxes and insurance however I applied for the XXXX XXXX with my city, which was approved. Once I received the updated tax statement I faxed it to Lakeview Loan Servicing , LLC and requested them to confirm with me upon receipt. I never heard back. I sent an email and I have tried AT MINIMUM four times to reach customer service about my escrow account via phone ... their recording would say they had a high call volume and to leave a call back number. I have done this THREE times. I received a call back over a week after my initial request ... Though I am not sure if my email to customer service or my request for them to call me triggered the call back. Regardless, whomever I spoke with told me that my account would be updated by XX/XX/XXXX. It is now XX/XX/XXXX and YET AGAIN I have not heard back and my payment amount has not been updated. I sent ANOTHER email on XX/XX/XXXX and have not heard back from that request either. I find the lack of customer service to be unacceptable. The ONLY way I was able to talk to someone was when I opted to speak with someone about my insurance, because this company also had an error with my insurance information ( no fault of mine as I have had coverage and its paid for with my mortgage payment ). After I resolved the insurance information I asked the woman to connect me to customer service because I am not able to reach them, she said she would stay on the line but then transferred me to another recorded line instead which eventually hung up on me. Being unable to reach my mortgage and have my payment adjusted down to where it should be is not acceptable. They also now will need to back date and update the additional payment amount to principal however I can not get ahold of them in a timely manner, they have left me with no choice but to write this complaint in the hopes to get this matter resolved.
I signed up for a Sears credit card when I found a Patio set I wanted to purchase and had begun to check out. At check out, information was provided that stated if I signed up for CC I would obtain 30 % and I could order using the brand new CC. I singed up for the CC ; went back to the shopping cart but was unable to fulfill the order b/c no cc number was provided. I called the Searscustomer service line ; i was told I needed to go to a store. I decided to wait for the card. The card arrived ten days later. I went to the website to order the patio set, the 30 % was not offered again ; upon further review, I realized no terms or conditions were provided with the card. All that was provided was a XXXX dollar off coupon ; the paper that the card was attached to ( no information related to APR ) and a citi document that is titled : FACTS : What does Citibank do with your personal information.
The claim that Sears made was misleading and CitiBank 's failure to provide the terms and conditions is concerning
particularly since the 30 % also have 0 % APR for 12 months ( it may have been a one or the other type of deal, I ca n't exactly recall ). Either way, I did not receive the 0 % APR.
Credence Resource Management LLC called me from XXXX ( XXXX ) XXXX on XX/XX/XXXX and the first time I told them I dont owe money ( {$35.00} ) for my phone bill that I just paid. The second and third times they called me I did not answer. The fourth time they called they immediately hung up so called them right back and told them to stop calling me. Then about a week later I got a letter in the mail from the same company stating I am in debt to XXXX XXXX XXXX. I double checked with XXXX XXXX XXXX and they said my account balance was {$0.00}. The call was from Washington, the address for Credence on the letter is in Texas, and the payment address is in Michigan.
XX/XX/XXXXDear CFPB representative, I received an updated escrow analysis of my Chase mortgage dated XX/XX/XXXX saying that my escrow account is {$1800.00} short. The analysis is erroneous as Chase ommited to include my future montly contribution of {$630.00} for the month of XXXX and XXXX but yet included my future contribution for XX/XX/XXXX and all future contributions for XX/XX/XXXX and XX/XX/XXXX. Chase also included all potential future withdrawals. I circled the omitted XXXX contributions on enclosed page XXXX of the statement. I called them today and spoke with escalation manager XXXX XXXX XXXX, who failed to answer why Chase failed to include XXXX of my potential payments for XX/XX/XXXX and XX/XX/XXXX totaling XXXX {$1200.00}. What Chase is doing is essentially dropping some potential contributions but including all potential payments and is asking me to prepay a lot of money based on a skewed analysis. 

I am afraid that many Chase mortage customers are indeed affected by their faulty analysis. If there are XXXX consumers each being asked to prepay {$1200.00} from a faulty analysis, Chase could be collecting interest free XXXX from their consumers. It took me a while to read their confusing escrow analysis statement and am afraid that many consumers would not have time to do it. 

Thank you for your time, XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX
I have sent 3 certified letters to equifax, XXXX, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. Equifax, XXXX, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
On XX/XX/2017 I paid my XX/XX/XXXX property tax payment directly and faxed my receipt that day to Amerihome. On XX/XX/XXXX I called and they confirmed they had received the receipt and that within 2-3 weeks the escrow account would be reviewed and any excess amount would be returned to me. It's been over 3 1/2 months and I not received a check. They claim on XX/XX/XXXX ( why so long?? ) they sent me a check for {$2900.00}. I called on XX/XX/XXXX and said it did not arrive and they claimed to have issued and sent another check but it has not arrived and they want me to wait another week and a half per customer service today. I asked for an overnight check and she said they can't do that, I asked for a supervisor and was hung up on. Altogether I have called 6-7 or more times since XX/XX/XXXX.

They have not treated me with basic decency and I believe they are purposefully keeping my money.
I took a loan with Big Picture Loans and it was for XXXX well I took that loan out in XXXX and I have been paying on it ever since and after reading all the reviews I feel like I may not get out of this loan. But as I was reading I saw that thru my state since they are not licensed here they have to give back to the borrower. I have made XXXX per month with them and just this last month I was unable to pay it. They extended my payment but also on top that calling them is super annoying I got hung up on at 3 times beforehand. Not happy. I am really dissapointed in this with how much they charge for interest rate and on top of that they are not allowed to do it my state. Just this month I would have been touching the loan but since XXXX I have been paying XXXX a month and this month would have been XXXX it is rediculious. It is a shame that a company can do this to people now I have nothing to live on because of this. I also do n't want to have to close my account because of them but I might have too if I ca n't afford these big payments.
To whom it may concern, I am being hit with a hard inquiry on on XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives.

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
I tried 2 days ago to order a replacement card as mine has worn out. I go online to do so and the system says I need to call in as it 's " ineligible '' for replacement. I call 3 times today to try and fix. The first time I get hung up on. The second time I just get placed on hold and then end up hanging up. The third time I 'm not allowed to speak wit h a manager and I 'm to ld there is high call volume. I sit and wait until I end up hanging up. I 'm online now chatting and they state they can not assist me and have to have me call  AGAIN. I  advised I would not call in again and must have this rectified.
I was shocked when I reviewed my credit report and found a late payment on the date below : Creditor : XXXX XXXX  ACCOUNT # : XXXX I was never late 30 days in the month of XXXX 2017. I am not sure how this happened. I have always made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
I applied for Loan Forgiveness through XXXX. It seemed to be the only website/provider who is able to process Federal Loan Forgiveness for Public Service providers. It was set up through StudentLoans.gov, so I thought it was a legitimate provider. 

I began to process my application sometime in XX/XX/XXXX, to have it start in XX/XX/XXXX. I just finished it. Everything took months with them. In the mean time, I kept on making ( what now I found out ) as endless payments towards my loans. When I had my loans with XXXX ( good servicer ) I was making {$600.00} for the last 3-5 years. I brough the balance down, despite having XXXX kids to support. I now owe {$50000.00}, graduated XXXX in XX/XX/XXXX, and have been making payments for the last 9 years. I worked for XX/XX/XXXX all my life. I am looking to buy a house, so really hoped this process would clear up some cash by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I was finally told that my payments of 9 years are not valid as I did not have loans with XXXX  since I began to make payments. I needed to sign up for some special payment plan to be eligible for loan forgiveness in XX/XX/XXXX. I was never told about this by anyone. And believe me I do paperwork for a living, so I looked all over for this info. This seems to be yet another trap by the big corporations to keep me paying endlessly for loans. 

Just a final note, I made about {$80000.00} last year, married, with XXXX kids. When I did their Income Contingent payment plan I was told I needed to pay over {$900.00} a month ( myself ). When I called XX/XX/XXXX, to see if it can be changed, I was told I could do another, meaningless plan, and pay {$420.00} a month, less than what I paid for the less 9 years. 

I hope you can take my extremely negative experience and find a way to make consumers be able to stop paying endless college loans and invest into the economy. This program seems to be another scam to keep me paying into endless existence. I plan to change my loans to my previous provider and keep my {$600.00} payment as I did before. I will end up paying off my loan within 10 years without this company making money off of me. What a sham!!!
i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Bank of America, i went in with information, Bank of America said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Bank of America, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out
They refused to provide me with a payment ledger. They have not posted all of my payments to my account. Subsequently, my account has become default. I still have not received the documents and now they are calling me each day harassing me saying my life will be ruined if this goes any further. I offered to begin paying monthly payments of {$100.00} beginning next month but they refused.
On XX/XX/2018, I received an e-mail about opening an " account '' with State Farm Bank. I promptly called my local State Farm agent ; they promptly notified their office. I had a very pleasant phone call and they said they would block any and all attempts to open any kind of account in my name. That was for account : XXXX. 

I received an important notice regarding another ( different ) account opened in my name at State Farm Bank. This was dated XX/XX/XXXX for an account ending I XXXX. 

Whatever State Farm said they were going to do, either they didn't do it or it didn't work!
I received a letter back from XXXX XXXX Fraud Aversion indicating that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
I have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX
Always XXXX with XXXX XXXX is rude and ignoring my investigae. Yes XXXX with this back XXXX XXXX XXXX like me. 3 years ago put negative late payment right now this same problem why. XXXX bank like put negative for XXXX hard works people like me. XXXX No call me not recive leater why. Banksters like denied credit like me becouse am XXXX.
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
I have contacted Innovis on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Discover in my credit report IQ Data International had unpaid rental charges for XXXX since XX/XX/XXXX. Information came from XXXX XXXX XXXX whom authorize a family member to extend lease I did n't authorize. Rental property was aware my family member stayed there and was paying rent for 15 months. IQ International never notified me I was in collections although rental property had my forward address. I discovered on credit report XX/XX/XXXX. I have notified rental property and collection company. Currently now implying identity fraud may occurred which is not true. Rental property knew my family member this is not identity fraud. Collection company never mailed or call me about unpaid rental extension amount. Prior to the unauthorized extension rent was paid in full.
I found out from the Equifax premier Equifax told me to sign up for XXXX XXXX. So I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX
I am here to make a complaint against my mortgage company they foreclosed and sold my house out from underneath me. In 2016 it was pending in foreclosure and I filed a notice of rescission in XXXX 2016 and my mortgage company totally ignored the notice of rescission and went ahead and foreclosed and sold my property on XXXX XXXX of 2016 and now they are trying to force me out as a tent. Somewhere along the line they have done this illegally. Now they are trying to force me out as a tenant I 've been to court three times and the judge ruled in favor of the plaintiff which is my mortgage company and as of Tuesday, XXXX XXXX, 2016 it has not been recorded that it was sold they 've sold it for more than what I owed and now I am trying to get the money that 's left over but I 'm still here in the house I have n't been evicted yet the whole thing of this mortgage company and the way they sold and foreclosed is awful fishy to me and I do n't have a whole Lotta money to fight this so I 'm just sitting here waiting.
On XX/XX/XXXX I received a phone call from Bank of America. They informed me that my account had been hacked and closed. They labeled me a " liability '' and said i I was going to be unable to open another account with them, and moved onto a set of questions. Asking for my social security card number over the phone, which seemed illegal to me, so I refused to give that information to the person whom called me. So I ask the who, what, when, where and why of things and ... no answers. They said they could not disclose that information over an open line and told me to come into my nearest Bank of America the next day. Long story short, all I got the next day when I got there and spoke to the bank manager was one phone number to the risk department. Called them and they said my account was not hacked so they don't know why it was closed or why the manager would lie to me about the issue. Basically, no answers from them either.
XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX is not only trying to collect a debt that I do not owe, but who they are claiming is the original debtor ( XXXX XXXX ) is a company whose services are not even available to me at the location where I have lived for over five years. I moved to Washington State over five years  ago in XXXX of 2012. In addition to this fraudulent attempt to collect a debt I do not owe, this company has posted a derogatory remark regarding this fraudulent debt to my XXXX Credit Report that has harmed my credit score.
Roughly XXXX XXXX 2017 XXXX tried to charge me for breaking a contract. I contacted them and told them I did not sign a new two year contract. They insisted I did. I then asked for documentation showing this " alleged '' contract where I was informed I had done it over the phone. I then asked for verification. I said since you state that all calls are recorded and monitored I would like a copy of my call and was told no. I never received any service and REFUSE to pay for something I never signed up for. Since then they have placed my account in collections. I then contacted both XXXX XXXX and XXXX where I was told it would be disputed. I was sent a letter and absolutely nothing was done. I called again to ask why and they had no answer. I do n't know what I can do because this is effecting my life where I was turned down for mortgage. Please help. Thank you, XXXX XXXX
My escrowed closed on or about XX/XX/2018. The lender and escrow company had misleading and deceptive business practices. I am requesting assistance to recover the excessive costs and fees that paid. I feel that I was discriminated against because of gender and color I paid to many high fees that I feel I would not have been charged if I was not a woman of color.
Presently I have my mortgage loan with Ocwen Loan Servicing ( Loan No. XXXX ). For the past few years, I did have the same loan w/ XXXX under Obama 's mortgage program for low Income families, Ocwen purchased my loan from XXXX few years ago and they purchased it under same terms that I had with XXXX . 
Since XXXX of 2015, Ocwen has been harassing me regarding to buy Home Owner Insurance for my unit from them for the amount of {$740.00} per year. Ocwen is fully aware of our Townhomes Insurance policy for the past few years, suddenly they want me to buy insurance from them for interior walls and contents in my unit, and I believe Ocwen 's decision and attempt in this matter is illegal and unreasonable since they bought the loan from XXXX as it was. 
I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.