WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16 I went to XXXX XXXX to purchase an ink cartridge. I used my credit card and XXXX XXXX billed me {$76.00} cents. Approximately 30 minutes later I returned the item, the same day, because my husband has a XXXX XXXX card and we decided to use it. XXXX XXXX gave me a refund receipt showing the item returned and monies refunded to the card. Capital One, the owner of the credit card I initially used sent me a bill in XXXX 2016, stating I was billed a second time by XXXX XXXX and must pay {$76.00}. I told them I did not purchase the item with their card a second time and that I will be contacting XXXX XXXX. I went back to XXXX XXXX and they were able to run the Capital One card and saw that they did not charge me a second time for the ink cartridge. They gave me duplicate receipts of the purchase and return/refund on XXXX/XXXX/16 and I sent copies to Capital One to show as proof that I never purchased the item a second time and that it was returned and the card was refunded. Capital One sent me a letter stating that the receipts were not enough and they are still going to charge me and the case is closed. They continue to bill my account this erroneous charge and fail to show any proof of a second charge from their end. At least XXXX XXXX was able to run the card and see that they did not charge a second time. I have sent letters to Capital One including their corporate headquarters and they refuse to remove the charge from my statement. I am a simple XXXX employee and {$76.00} means a lot to me and I can not afford to pay for something that I did not purchase and they refuse to do anything to remove the charge, even though XXXX XXXX insist they did not charge my card and I could see from their report they did not. Thank you for your assistance in this matter. Kind regards.
I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.

It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.
I financed a XXXX motorcycle in XX/XX/XXXX from a company named XXXX XXXX.I was making payments on time ; due, to them receiving an allotment from my check. In XXXX XXXX, I received a letter in the mail from a company named AFS Acceptance that stated I was to start paying for my motorcycle with their company ; instead of XXXX XXXX. The letter included the wrong information about my bike, how much I owe, the monthly payments, and the dates on the payment coupons. There were numerous inconsistencies causing my wife and I to think it was a scam. I have asked them numerous times to provide me with my original loan that was transferred from XXXX XXXX and they have failed to do so. Now, I have a 90 day past due on my credit report. Also, I signed an agreement at the origination of the loan that stated my loan would not be sold.
Equifax refuses to correct my birthday and has been given proper legal documents to show correct year. They wrote on their file they sent to me they would not correct or change the information and their re investigation would not change the results even though I provided them with proof 2 times. What is wrong with Equifax? This needs to be fixed ASAP.
This relates to an ongoing dispute with Sychrony Bank, the previous complaint was CFPB XXXX XXXX. Unfortunately, virtually all of the commitments that XXXX XXXX, XXXX XXXX made were not kept. 

I left her multiple messages at the number provided, she did not return any of my calls. It has been more than 90 days since I opened the dispute and they still have not responded. They promised not to put derogatory info into my credit report while the dispute was open, they in fact illegally put derogatory information in my XXXX report. 

My request is quite simple, I would like them to provide a copy of the receipt that they claim that I signed via an in person purchase. I am certain that I did not signing anything like this. 

I believe that both Synchrony and XXXX XXXX have violated my rights in this matter. I am requesting a full investigation of this matter.
Filed disputes with transunion and XXXX in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNT # XXXX purchased a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. 

Attempted contact to settle debt no response. When reporting they report a fraudulent delinquency date of XX/XX/XXXX when in fact the date is XX/XX/XXXX. there is a discrepancy of 2 years which lengthens the time frame it is allowed on credit report. Have written them refused to correct the date. Law states this is not legal.
I have tried several times online to close my PayPal online account. I have tried several times to close the account, but every time I try to do so through the website, it does n't work ( the site freezes ). I suspect they are preventing account closure on purpose.
I noticed this new collection on my credit. I called to find about what it was about spoke with XXXX & he told me this was a online payday loan. I have never received anything regarding this fraudulent account. I advised the collector this isn't my account I had also been a victim of fraud & I need this removed from my credit immediately. I have never received any calls or mail. No validation with my signature as required by the FDCPA. This is not my account I need this removed
I XXXX XXXX XXXX attest and affirm these facts to be true to my knowledge, I am a victim of identity theft by fraudulent conveyance. The individual known as XXXX XXXX committed the fraud while residing with me. XXXX XXXX was placed as a authorized user to purchase airline tickets fro travel from XXXX to XXXX with mutual agreement to repay the debt accrued for the emergency trip.XXXX without authorization than altered the credit card account with JP Morgan Chase to max out the card to the sum of {$12.00} XXXX without XXXX permission & opened a additional XXXX XXXX merchant card. I can verify this claim with additional documentation to be submitted to your organization and the credit reporting agencies, XXXX, XXXX, XXXX upon your request.XXXX has sent electronic correspondence via text verifying his actions & deeds with intent to repay however currently has avoided contact and evaded payment of the debt acquired. A police report has been filed with the City of Police Department XXXX # XXXX and a civil suit is being filed with the Office of Judicial Records / City of XXXX XXXX XXXX XXXX.
I was told that refinancing my home would lead to a principal reduction and my new term would pay away at my principal faster. When everything was said and done, the principal amount went up and I am further behind than I was prior to the refinance. This was not explained to me thoroughly. Penny Mac has failed.
I have a credit score of XXXX. Interstate Credit Collections ( a subsidiary of DataMax Corp. ) has filed a matter as being in collection, but I am not aware of any outstanding item I owe to anyone. ICC does n't answer its phone ; for three days in a row, I got a recorded message on their line that they are too busy to take my call. I have no way of knowing what this item is, and do not appreciate this company hitting my credit record without giving me any opportunity to find out any further information. I do n't know what to do, but I 'm leaving for vacation next week and do n't want this sitting out there. What do I do?
On XX/XX/2016 a credit card was opened in my name thru XXXX XXXX XXXX. Card was used and maxes out to the limit which was {$300.00} I believe. Total charge amount is {$430.00}. I did not open this account. Someone had my info and opened it. The account was closed in XX/XX/2016. And left on my credit report to damage it. Please fix this for me. Thank you
I started receiving these calls from XXXX XXXX XXXX in XX/XX/XXXX, and the messages always say " Hi this message if from XXXX XXXX XXXX, this is a call from a debt collector, please call XXXX '' but the extension provided is always different. The message is typically very rushed and barely audible. 

To my knowledge, I do not have any overdue payments. Today XX/XX/XXXX XXXX, I finally gave in and called them back at the phone number they called from ( XXXX ), and the woman who answered the phone would not give me any information, and simple put me on hold after asking me for my name. I was on hold for quite a while so I hung up and called back. I spoke with the same woman and asked her what this was about and again she would not offer any information and told me she needed to place me on a brief hold to get me to the person handling my case. I was on hold for a while and got spooked, so I hung up. 

Please help me figure out if this is a legitimate call worth following up on. Thank you.
Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.
Hello, I read US Bank advertisement on a websites regarding its XXXX Olympic promotion which ran fromXX/XX/XXXXto XX/XX/XXXX. 
It promised to give additional bonus points to new card holders depending on number of Gold, Silver, and Bronze medals of XXXX XXXX on XX/XX/XXXX Olympic. 
Each Gold Medal = XXXX points Each Silver Medal = XXXX points Each Bronze Medal = XXXX points I applied to this offer and got approved on XX/XX/XXXX. 
But US Bank refused me the Olympic bonus points because I applied using " third party website '' and not flexperks.com that is owned by US Bank. 
But any " third party website '' will link to XXXX where US Bank got my application and subsequently approved it. 
If " third party website '', like XXXX, did not facilitate nobody will know about XXXX, US Bank, or its products. 
The XXXX advertisements are still there. 
You can see them live on XXXX XXXX XXXXusbank/ for both dates XX/XX/XXXX and XX/XX/XXXX. Just scroll to these dates. 

I attached screenshots of this pages. 

I see actions of US Bank as False Advertisement and would like to get US Bank reprimanded. 

Thank you. 

XXXX XXXX
I am filing this complaint towards Experian, they keep getting my information wrong and it is impossible to get a hold of someone by phone. Today I spent approximately 2 hours trying to get a human to answer my call but after trying various numbers that only lead to a dead end, I gave up. 

It is so frustrating because I have had so many issues applying for loans and other financial needs because of them. Companies keep telling me to update my consumer statement and there is nothing in regards to that online. 

Calling them has been such a waste of time every time because everything is an automated loop of the same thing over and over.
On XXXX XXXX, XXXX I opened a checking account using code XXXX, which I got from Citibank 's website. I have a screenshot of the offer.The terms of the offer stated if I made a deposit of {$50000.00} within 30 days of account opening and left it for the next 30 days, I would have a {$500.00} bonus deposited to my account. I made a {$50000.00} deposit 12 days later and left all of it there for over the next 60 days. I asked about the offer over the phone. I got a secure message on XXXX that the bonus would be posted within 90 days of the offer fulfillment, which would have been XXXX plus 90 days. It was never posted. I called again on XXXX and was told that they would have to research it ( XXXX ). The rep on the phone said if I did n't hear anything in XXXX or 4 days to call back and give them that number and they would expedite. I called back 5 days later and was told the same thing, that they would expedite the research. I called again today for the third time in 2 weeks, and was told again to wait while they expedited. I see from looking at the CFPB database that this appears to be a common complaint. If I had known this, I would not have even bothered to open the account. I have had a Citibank credit card since XXXX, a loyal customer for the past 29 years, just not a checking account with them. I was impressed with their quick response to my phone call in XXXX. I am disappointed with the lack of response to my last calls. It almost seems like a stall tactic now.
I was checking my credit report and discovered that Portfolio Recovery have been reporting information to the credit bureaus about a debt that they claim i owe. I send out the first letter to them which they received on XX/XX/XXXX requesting for verification and validation of the debt and a second letter which they received on XX/XX/XXXX because the response to my first letter was for me to provide them additional information about the debt. They are reporting information to the credit bureau under my social security number and they are asking me to provide them additional information about a debt that they reporting to the credit bureaus which is very frustrating. 
The last communication mail i received from them where two mails dated same date with different information which is why i believe this company is violation and in non compliance with the federal laws under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will be attaching the return receipts for my certified mails i send to them and the letters i received from their office. 
They need to delete and cease from reporting wrong information to the credit bureaus which they can validate or verify. Thanks
Someone is trying to open a credit card under my name on  XXXX  and   XXXX   XXXX   XXXX   XXXX
They eliminated my overdraft protection after a direct deposit came in. This could not have been at a worse time because I needed to pay a bill!!!
After getting a notification from XXXX about this debt approximately XXXX, I immediately notified them that this debt was an error of some type. XXXX worked with me to get this resolved and " XXXX '' out the debt. They and myself also contacted Merchants Credit to do the same. After contacting them I was told by a supervisor at Merchant Credit that they had received the notice from XXXX on XXXX/XXXX/16 but could not update with XXXX. was told if they call they would tell XXXX to cease reporting. I informed XXXX XXXX that since this was pulled from them by XXXX they should contact the credit bureau immediately to correct the error. Since they are not willing to do so I informed him I would be contacting CFPB to file a complaint. Although Supervisor XXXX was very nice he was not willing to contact XXXX to fix the situation.
Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.
Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.
I was using XXXX XXXX to attain a loan. XXXX XXXX was very easy to use. I selected a low interest personal loan from XXXX XXXX and started the process via the internet. The very moment I selected the loan I wanted Lending Point LLC out of Georgia contacted me via email and phone within minutes of me selecting XXXX XXXX. I was convinced by Lending Point that they were my lender. So I began the process with Lending Point thinking they were my lender. I had simultaneously filling out all my information with XXXX XXXX to complete that loan process. Since Lending Point LLC was contacting me directly I thought they were my only lender at the time. Once the loan was finalized with Lending Point LLC I noticed they never revealed the interest rate that I was getting. On the final paperwork I see that the interest rate was 31 % and XXXX XXXX was saying I could attain a loan between 10-12 %. At the time I needed the money so I signed the paperwork with Lending Point LLC. When I signed that paperwork XXXX XXXX sent me a confirmation email saying they had confirmed the loan I selected and the money would be on its way 3-5 business days. It did not occur to me that I had completed two loans. XXXX XXXX was my original choice and their interest rate was around 11 %. XXXX XXXX is the lender I wanted to begin with. Lending Point deceived me and I want them to know their strategy is evil. I am sending this because people at times need money and they are vulnerable to these evil Lending Point tactics. After the 3-5 business days my bank account has two credits. One from XXXX XXXX and one from Lending Point. I only wanted XXXX XXXX low interest rate offer. Lending Point pushed me to get theirs.
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/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 )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act