WillisBack/dataset-financial-user-claim huggingface dataset:
This is in regards to a billing dispute that occurred on my Chase Freedom Unlimited card ending in XXXX. The billing dispute I will be referencing throughout is with the merchant " XXXX XXXX XXXX '' in the amount of {$700.00} posted on XX/XX/2018. This charge was disputed because the merchant performed services that XXXX XXXX my dog. I took my dog in for XXXX XXXX XXXX  with this business. After some back and forth, the merchant assured me, in no uncertain terms, that this XXXX would have absolutely NO complications for my dog. In other words, I was guaranteed by the doctor working at this place that my dog will not experience any adverse side effects from XXXX XXXX ( much less any XXXX XXXX  conditions ). This turned out to be a complete and unequivocal LIE. After the XXXX, my dog XXXX XXXX XXXX  and experienced a XXXX XXXX XXXX XXXX XXXX. My dog, a XXXX  pound puppy, was XXXX XXXX  and howling at XXXX in the morning after the XXXX. I immediately rushed over to the nearest emergency room and took my dog in to get checked by a licensed veterinarian. I was told that my dog was on the XXXX XXXX XXXX and he very possibly could have XXXX had I gone to the ER any later. The vet prescribed some temporary medication for my dog and told me to come back later when the hospital would be running with a full staff on hand. I later took my dog in to a separate hospital where the vet was able to better diagnose and take care of my dog. All in all, this fraudulent and evil natured XXXX  which nearly took my dog 's XXXX costed me an additional {$1500.00} in medical expenses. This merchant does not deserve a SINGLE PENNY for this XXXX that not only XXXX  MY DOG ( XXXX XXXX ), but also costed me an additional {$1500.00} in otherwise preventable medical expenses.
My mother is XXXX soon to be XXXX. She needed help with her answering machine ( she did n't know how to get the messages off ). Within a 3 to 4 day period She had 24 messages and 21 of them was a recorded message from Trans World Systems, Inc " this is an attempt to collect a debt ''. They left a number to call # XXXX I have called multiple times and always get a recording " the person at extension XXXX is unavailable leave your number ''. 
This is crazy to call anyone this many times. My mother does n't owe anyone. How can we get them to stop?? 
Thank you so much and have a nice day!
This is in regards to a past complaint I had with Chase bank. Case # XXXX. I have made a dispute regarding the money they refunded and will accept the {$100.00} as a courtesy, but it still does n't justify the remaining {$700.00} something dollars that was overdrawn on my account. Most of the time is was because of the time factors with my payroll check going in 1 hour prior to their allotted deposit time. In that situation I ca n't control. I literally work pay check to paycheck and for any unnecessary means that come out of my bank account upset my budget and most of the times by bills come thought and I do n't have enough money after the " fees '' to cover them. They say " we can only refund back so much '' so what they can live off of low income families with all these fees?
From : YouSent : Friday, XX/XX/2018 XXXX XXXX  ( ET ) To : XXXX XXXXSubject : FraudMessage ID:XXXX I am writing to let you know that I have reported you to the Consumer Financial Protection Bureau for fraud and usury. You have kept the finance charges lingering on the old balance on my account now for more almost 2 years. I know I have paid that balance off twice over but you still keep it there for whatever reason. I have spoken to your representatives on several occasions where they have stated that once that balance is gone that finance charge will go away. Now all of a sudden its on there until the entire balance is paid. XXXX XXXX!!! This is fraud plain an simple. I paid {$750.00} in the course of two months there is no way you can tell that that balance shouldn't be gone by now. I want it gone NOW! I am also going to call an attorney to see how many other customers are being ripped off by this " finance '' charge.

This is the 3rd time I have reached out to them for this same issue. I have been told on two previous occasions that once that balance was gone the second finance charge would be gone. That is obviously not the case as I was told today - XX/XX/2018 that I now need to pay off the entire balance. I have to believe this is fraud!
I applied for a Value City Furniture card about a year ago as I was about ready to purchase a house. Some complication arose and I had to postpone my buy till next month. Now I contacted Synchrony twice to inquire when they would shut down the card due to inactivity. I spoke to XXXX csr on two separate occasions and was told 2 years and 18 months. Well about a year after the card was open, I get a credit alert that my card has been closed this weekend, and it has been nowhere near 2 years or even 18 months. I am infuriated as I thought I took measures for this not to happen, but due to XXXX csr who both gave me bad information, my card if now closed and I will have to figure out another way to buy furniture. I have already talked to more incompetent csr who say nothing can be done. If there is anything you can do I would appreciate it. I am just baffled as I took every step to make sure this did n't happen, but poor employee 's get my card shut down. The reason I asked was because I would have bought something small to keep the card open, which was why I asked on two separate occasions.
On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.
I have been disputing with the Experian company for months now regarding the Validation of an account with XXXX XXXX. I am disputing that this account is being reported inaccurately and on those ground I would like experian to immediately stop reporting this account. when I have ask to reinvestigate Experian advises the account is correct and tells me not my inquiry is frivolous. Here the issues, that I am disputing which according to the credit act if information is not complete, inaccurate, or proof cant be provide it should be remove. On all three credit reports there are discrepencies, The dates that the account is open some reports say XXXX/XXXX/98 others say XXXX/XXXX/98. None of the credit bureaus have matching reporting dates while XXXX XXXX has no reporting dates. I reached out to the creditor and they advised that they were not able to provide me with the original date of a sign contract proving that i sign up for this account. So how was Experian able to validate this account with all these missing pieces. I also have file claims regarding identity theft and still Experian is not looking into just sending me a form letter stating they wo n't review it. i have sent them numerous correspondences with return receipts. My request is for Experian and all other credit Bureaus to immediately stop reporting this account due to the inaccuracy of reporting that is causing me not to get approve for credit,
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I receive calls and my family member on a daily basis for years now. The phone numbers use are many and sometimes they leave threating deceptive messages Yesterdays message on XX/XX/19 @ XXXX My name is XXXX XXXX I a.m. reaching out to you today as a courtesy and regards to documentation that was placed with me ______ your name and Social Security number I've been asked to review this matter and I wanted to give you a chance to provide a statement on your behalf prior to my recommendation being made it is imperative that I speak with you to discuss this matter further I can be reached directly at XXXX ___ I'm calling referred to file number XXXX XXXX The debts are over 4 years old and they continue to harass me.
Chase Bank, NA JP Morgan. On XX/XX/XXXX charged me in the same day and in less than an hour {$68.00}, they said for INSUFFICIENT FUNDS FEE, as always this financial institution apply their regulation in their favor. they paid first a check that i wrote to XXXX XXXX XXXX and deposited XX/XX/XXXX and then they paid my car insurance some minutes laters my social security pension. For me this It is not fair and is an abuse against their customer. When I called Customer Services they says can not remove that fees, because they paid the check to XXXX XXXX XXXX at XXXX on XX/XX/XXXX and my Social Security at XXXX XXXX XX/XX/XXXX that 's why I 'm making this complaint to help me get this bank back my money.
A company called " QCS '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XX/XX/XXXX15, nearly two months later, I received a letter from Qualia Collection Services, a unregistered collection agency claiming I owed a company called XXXX, XXXX the {$200.00}. I have never done business with XXXX, XXXX XXXX Louisiana Revised Statue XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )
Well I looked on my credit report and I seen this new account in collections XXXX17 They did not notify me Or send me a letter before placeing this account on my credit report.So I sent them a debt validation letter stating I will like the original documents on this account.And all AR resolution inc sent me a cover sheet any computer screen. This is not a proper validation letter. And I know my laws and my rights and AR Rosources inc have Validated Fair debt Collection practices Act federal and state.
Under the FCRA I, XXXX XXXX request that XXXX immediately notify Equifax, XXXX, & XXXX of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years.
I am a victim of identity theft and someone used my identity and personal information to open up a XXXX XXXX XXXX account ending in : XXXX, I have never applied for a XXXX XXXX XXXX. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX XXXX XXXX account.
I attended XXXX XXXX XXXX University XXXX XXXX and owe about {$110000.00} in private student loans. I am not able to make the payment of over $ 4,000/month because I am not working in my field XXXX. I am also experiencing a financial hardship XXXX loss of job ). I am not able to make these payments and do not want to default and ruin my worked-for credit score!! What do I do help? Navient is impossible to deal with and they wo n't help me at all. Can I lower my payments?? Can I postpone them until I am working again?
On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, Experian or XXXX.
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
We are homeowners who were paying our mortgage religiously every month for over 12 years {$1200.00} a month. Then, Nationstar Mortgage ( NSM ) bought our loan and increased the payment to {$1900.00} a month. The increase amount was not in our budget so we called the company for a loan modification. This is when our American dream turned to a nightmare. 
We are filing a complaint based on illegal representation of loan modification procedures and omissions of NSM, now Mr. Cooper. 
Our family has not been awarded / granted a loan modification although we have tried. NSM took too long to finalize our file and now we are facing foreclosure. 
We would have made our payment only if we have received the approval letter and confirmation of future payments. We never received the final notice, we found out when we did not hear from them, and we decided to call them. When we made our inquiry with NSM, as to why we were not informed, we were told that we had to start the process all over again. This negligence has led to further disarray and miscommunication between the loan documentation department. We were then instructed to wait for approval one more time and to complete another application. 
RIGHT NOW, WE NEED TO SAVE OUR HOME on XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX, we have a hearing for FORECLOSURE. 
I beg you to help with canceling foreclosure and finalize the modification. I got in touch with an HUD agency to help us with counseling and a solution on our own. I want a review of our loan modification ; please help our family save our home. 
Important dates : XX/XX/XXXX- Mortgage payment increased to {$2000.00} we called to do a modification and after hours spent on the phone and many papers faxed and sent by mail ; we never got the letter for approval. we called and XXXX XXXX from NSM told us that we had to start all over again because we did not responded to the approval that by the way we never received. 
XX/XX/XXXX-XX/XX/XXXX Second modification was done but we were told by our broker, XXXX XXXX XXXX, XXXX and Attorney XXXX XXXX not to pay because we were not guarantee the future monthly payment and that NSM could keep that money and not decline the loan modification. We were scammed by XXXX XXXX and Attorney XXXX XXXX,. as you can see in the court papers, they never responded to the court. They made us signed the deed of the house, rented our house and kept the money for more than six months. 
After that we hired Attorney XXXX XXXX XXXX to defend us and XXXX to deal with the application for modification. XXXX did not include my income and the modification was denied for lack of income. He said that because my name was not in the loan ; it was okay not to add my income and only use my husband 's income. 
We are now facing a day in court and we do not know what to do. 
We contacted XXXX XXXX XXXX and have an appointment for counseling next week. ( see attachment information ) We attached the court case for dates and information
On    XX/XX/XXXX    I began a payment plan for my   XXXX   XXXX  / XXXX  student loan. After few months of paying, I got  laid   and become unemployed for several months, until  XX/XX/XXXX  through  XX/XX/XXXX .     I paid as I could.     On  XX/XX/XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on   XX/XX/XXXX   but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,    XX/XX/XXXX    - National Enterprise called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The article 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
On XX/XX/XXXX XXXX declined credit based on bankruptcy information being reported by Navy Federal. The bankruptcy was discharged in XX/XX/XXXX. 
I requested Navy Federal remove this information and they refused.

( The information from Navy Federal shows as 'Reaffirmation ' of a vehicle loan that was never delinquent and was paid in full/on time in XXXX under the original loan terms. ) Personnel at XXXX and XXXX advise that the 'Reaffirmation ' notation should have been removed by Navy Federal because it was signed in XX/XX/XXXX and clearly indicates information that was purged in XXXX. 
XXXX and personnel at XXXX, XXXX and XXXX advise that Navy Federal is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation ' is always indicative of a bankruptcy ; in this case, a bankruptcy that should have been removed from all direct and tangential references since XX/XX/XXXX. 

Here is the information from Navy Federal : Navy Federal Response XX/XX/XXXX : Thank you for your eMessage. Navy Federal records indicate that the loan account ending XXXX for the XXXX XXXX was reaffirmed during the bankruptcy process, and was paid/closed on XX/XX/XXXX. Please be advised that we are unable to remove legitimate account information from your credit report, as these details constitute your credit history and we are required to comply with federal regulations. Valid credit records may not be altered. Therefore, we are unable to grant your request. We regret that we could not provide you with a more favorable response.
the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. 

STELLAR RECOVERY INC failed to notify the credit reporting agencies that the debt is disputed.
I recently found identity theft on XX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$0.00}
I paid my Citibank credit card bill on XXXX XXXX from my XXXX Bank account. XXXX mailed a check to Citibank well in advance of the XXXX XXXX due date. Citibank said they did not receive the payment until XXXX XXXX, so they charged my account {$25.00} for being late. I called customer service to explain that the payment was sent well in advance of the due date, and there should be no late fee. I asked them to waive the {$25.00} fee. They would not.
This creditor is reporting a paid and closed account with a XXXX  balance as an open account paid satisfactory with a balance of {$19000.00} on my credit report. I called them to inform them and they had the audacity to tell me to send them my credit report to prove this so they can dispute it or Id have to give them permission to do a hard inquiry on my report to see that they are reporting this wrong. I refused both options of course because that makes no sense. In fact all Pen Fed has to do is report the account paid and closed with a XXXX  balance especially when they show the account was paid in full and closed on XX/XX/2018. Its that simple. Credit bureaus only report what creditors send them not what they want as its a violation of consumer protection laws just like the company here is in violation for reporting inaccurate information in an effort to discredit my credibility with others. If they dont stop reporting this account as open with a balance I ask that it be reported to the FTC and they be charged for the violation. Theres no reason for me to send them anything as my business as far as this loan goes is done with them. I have kept up my end so they need to govern themselves accordingly.
I repeatedly asked Equifax to remove the Tax lien from my report. XXXX XXXX did it. Equifax not.
XXXX PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]