WillisBack/dataset-financial-user-claim huggingface dataset:
I set up internet service with XXXX XXXX XXXX and they shipped me some wires in the mail to connect to a modem in order for me to have internet. When I talked with the sales consultant on the phone they did not inform me that I would have to purchase my own modem. The same day that the package from XXXX XXXX XXXX arrived I opened it and realized that I could not connect the internet and use it because I did not have a modem. I promptly called XXXX XXXX XXXX to tell them not to connect my service because I didn't have a modem and didn't want to buy one. They said ok, my service setup was cancelled and I would not receive a bill. Now I received 2 bills for XXXX . I have called XXXX XXXX XXXX numerous times and each time I speak with someone they tell me that the account will be adjusted to reflect the cancellation of service setup and I wont owe that money. Well this hasn't happened, despite me calling 3 different times and speaking to 3 different people! I have been referred to a collection agency called Diversified Consultants,  Inc. My Account number there is XXXX. # XXXX. I am very frustrated as this agency will not work with me. I don't know what to do, or how to actually speak with a person at XXXX XXXX XXXX who will resolve this for me. Please help and tell me what to do to resolve this or act on my behalf. Thank you for your time in reviewing my complaint.
On M  onday   XXXX   XXXX    2017 I re ceived an email from American Express Serve card dated   XXXX   XXXX   2017 stating they have seen unusual activity on my account and urged me to call them at   XXXX   I called them and was advised by the representative that several attempts by  XXXX  were being made on my card. I asked him to please let me go get my rent money off my card as I am a recipient of Social Security  XXXX  and only get paid once a month and getting my funds off the card was detriment to my living and health. The representative advised me on what to do and to then contact account protection services to get a new card at   XXXX  .
I did as advised and when I contacted account protection services they advised me to wait until the pending charged posted and to then call back. I decided to call  XXXX  and inquire how they got my card information. When I called them the representative could not locate an account with MY NAME, MY EMAIL ADDRESS, MY PHONE NUMBER. I then advised her of the situation and she was able to locate an account with my American Express Serve card. I told her to please cancel the account and not to charge me as I did not open this account and did not agree to payment going to them. She then began to say that I agreed to these terms of payment when I signed up for the account. I told her no that I did not agree to anything and that my card was used without my permission. She then proceeded to close the account and then charged my American Express {$47.00}.
On   XXXX   XXXX   2017 I saw the transaction pending on my Serve app from  XXXX  I called again and spoke to another representative and her corporate supervisor and they both told me that because I was denying opening the account they could not issue a refund and they dont know why the representative who was supposed to close the account charged my card after I told her specifically several times not to.
The next day on   XXXX   XXXX   2017 the charge posted to my American Express Serve account. I called account protection services again and asked them what was going on and what my options were. The dispute was opened at   XXXX   XXXX   PST and I was advised by the specialist that it would take 10 days to get my money and that I was not liable for these fraudulent chargers. At   XXXX   XXXX   PST I received an email fromm American Express Serve that my dispute has been denied and that there was no error and that I will not be getting a refund. I also received another email after that stating American Express has elected to close my account citing the card agreement section 15D. When I called for additional information they told me they could not give me anymore information to write to their corporate office.
On    XXXX   XXXX   2017  when I tried to change my social Security   XXXX   direct deposit I needed the old bank information and was unable to obtain it from American Express. They refused to give me any information and advised me that my deposit will be rejected.
This has been a nightmare for me. I am the victim and American express and   XXXX   have taken from someone who is on a fixed income and   XXXX   and my kids.
XX/XX/18 I have contact Experian spoken with XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/2018. I have request document on file to confirm account as of today XX/XX/18 I don't have documents. 

XX/XX/18 I have spoken with XXXX XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/18. This is ( 2 ) different sold dates. 

XX/XX/18 I have contact XXXX XXXX XXXX to request validation of debt and still have not received documents as of XX/XX/18 XX/XX/18 I have contact XXXX XXXX XXXX spoken with XXXX, XXXX and XXXX XXXX to confirm account by requesting validation of debt.
I 'm a XXXX XXXX at the XXXX XXXX of XXXX XXXX. I also play XXXX for the college, while trying to work two jobs and help my mother out at home with my little brother. I do n't make a lot of money so I pay what I can when I can. I normally always pay the minimum payment and sometimes I pay more when I can. I missed my XXXX 2017 payment once and It seem to be effecting my credit score. I 've payed consistently for months. I 've asked from a XXXX and got denied. I 've been trying to rebuild my credit score.
On XXXX, 2016 I called CitiMortgage for payoff information on my mortgage loan. I was told that the total payoff amount to pay the loan in full is {$30000.00}. On XXXX XXXX, I transferred {$30000.00} form my Citibank account to CitiMortgage loan account. However, CitiMortgage did not process the transaction as the final payoff and instead processed it as a payment for the month of XXXX ( Principal {$170.00}, Interest {$75.00}, Additional Funds Received {$28000.00}, Escrow {$980.00} ). I called CitiMortgage again on XXXX XXXX to correct this processing error and to process it as the final payoff. They still did not correct the amount of interest that was charged for until the payoff date of XXXX XXXX. I have written and called CitiMortgage numerous times in the last three weeks, however, they will not give me an answer as to why they have charged me interest for the entire month of XXXX, when I made the full payoff of loan on XXXX XXXX. According to the payoff statement my escrow balance should be {$2700.00} after the payoff, however, by overcharging me the interest for the month of XXXX, CitiMortgage took money out my escrow and lowered the escrow {$46.00} to {$2600.00}. It is a small amount of overcharged interest but it is wrong as a matter of principal should be corrected.
I opened a bank account with XXXX XXXX XXXX XXXX, who made an inquiry to Experian. Even though I only opened a bank account, and I did not apply for any type of credit, the inquiry was reported to Experian as " credit granting ''. This has caused the inquiry to appear on my credit report as a " hard inquiry ''. The description on the credit report is incorrect. I attempted to dispute the characterization of the inquiry with Experian, but I was told that inquiries could not be disputed. This is a violation of section 611 of the FCRA, which indicates that " any item '' can be disputed.
I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and experian Credit reports. The XXXX and experian report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and experian claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
The companies response to my complaint XXXX to cfpb is a complete lie. they claim they could not speak to me however they refused to because I had answered the phone stating that I was recording the call not knowing who was on the other end however they were calling me on a recorded line themselves ... .. The inquiries on my credit file have been on my credit report for 2 years .... 1 in XXXX  of XXXX which is showing as an XXXX inquiry but is actually a chase inquiry on my XXXX report 2 the XXXX on XXXX of XXXX  that is showing as a chase inquiry on my XXXX report. I have at one point requested the removal of these inquiries be expedited they refused to do that. In fact I was not happy with what they called masking the inquiries instead of removing them because I had not applied for this card they said they can only mask them whatever that means.
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
XX/XX/XXXX-Finance Manager at XXXX XXXX agreed to hold contract for 3 days until I seek a better interest rate. On, XX/XX/XXXX, I informed him that I'd received a better interest rate and that he is to cancel the previous contract. He submitted the previous contract anyway be cause he didn't believe that I actually got a better rate and that his boss was pressuring him to submit it due to end-of-month sales. I went into the dealership on XX/XX/XXXX to demand a cancellation of the contract. Since XX/XX/XXXX, I have been trying to get this contract cancelled. I've gotten no cooperation from the dealership. I contacted American Honda Finance to inform them of this fraudulent loan but they said that the dealership has to cancel the loan contract. This is truly a case of discrimination. I have voice recordings of all meetings with everyone I met with at the dealership. Even the Finance Manager who submitted the loan contract admitted to his actions and the discrimination behind it.
This complaint is regarding Rushmore Loan Management Services, LLC. Rushmore falsely reported my mortgage payment history to the Bankruptcy Court. Rushmore knowingly and falsely reported this information on my mortgage loan to the Bankruptcy trustee on the official Form XXXX which is a final response to cure payment. 

I 'm providing the official XXXX form completed by the Rushmore employee. Please note, I highlighted where they reported I was 3 months in default for post petition payments. As we both know, this is a very serious matter. It is fraud on the court. 

I 'm also providing the copy of payment history. The payments for those dates were n't missed as they are reported on Rushmore 's own payment history records. 

I believe that because there have been so many errors, I am a targeted individual for Rushmore Loan Management Services. I  have called and requested they fix this error but they have not. They knowingly did this. The court closed the case upon the response. I am not paying court fees when this was negligent and intentional on Rushmore 's behalf. 

I want this reported correctly to the Trustee of the Court. I also find that Rushmore assessed with fines that appropriate under the Fair Credit Act.
Regards, XXXX XXXX
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX, XXXX, XXXX, etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
We secured and were under an agreement with Wells Fargo to purchase a home under an 89.9 % loan exception which allowed us to pay a 10.1 % down payment on the purchase of a new home. These conditions provided a significant advantage to us in terms of the cash out of pocket and was the basis of pursuing the loan through Wells Fargo versus alternate loan providers. We progressed through the loan process ( providing timely documentation ) and were assured at multiple stages that we were on track to close on the contract date ( XXXX XXXX ). 

Wednesday morning before XXXX ( XXXX XXXX ) we received a call from an agent of Wells Fargo indicating that Wells Fargo did not agree with the appraiser 's estimated home value ( which they had since XXXX XXXX ) and required the loan to go through additional internal reviews. They communicated that these reviews ( even if expedited ) would delay the closing date of the home. The agent indicated the only scenario in which we could maintain the original closing date was if we put 20 % down. He pressed and indicated they needed our decision by mid-day otherwise the closing would be delayed. 

I communicated how egregious I thought the entire scenario was and that I believed this was a " bait and switch ''. This last minute issue arose XXXX 44 days post contract submission, and ~ 30 days post receipt of the original appraisal.
Please refer to the following complaints : XXXX XXXX/XXXX/XXXX XXXXXX/XX/XXXX I have asked this company to validate/verify the said debt and they repeatedly and knowingly report this information without verifying the debt. I have specifically, starting inXX/XX/XXXX asked that the debt be validated as per FCRA. This company ONLY sends a bill and calls it validation. I have yet to receive the following : -Original contract that has my signature as a promise to pay - Contract or assignment documentation that shows they are able to collect and report on my credit. 
-Full accounting of the said debt from account inception ; contract and promise to pay, all payments, offers credits etc. on the account and how they arrived at the full balance. 

Simply providing a bill is not sufficient under the law. They did not provide this information within 30 days of the original XX/XX/XXXXrequest and this company is hereby in violation of the law FCRA as they continue to tell the credit reporting agency that the debt has been validated and it has not. 

I have reported this illegal act to the California Attorney General and this will be the last resort before filing a formal law suit against Diversified Consultants. I am requesting that DCI remove this line item from my credit report as they have not validated the debt. 10 months later they have not validated the debt however they keep breaking the law in telling the credit reporting agency that the debt has been validated. I am seeking resolution at this level or I will sue this company which will result in a fine for each occurrence. Meaning every time this company broke the law and lied and told each of the credit reporting agencies that this was a validated and verified debt as well as sent me a bill and not the validation requested they will be held liable.
XX/XX/18- Is when I saw that my loan company is corrupted and it has been report on XXXX   XXXX XXXX , that they are dropping the loans from AES . I have AES, they will not work with me on forberance, on lowering my payment, they keep raising the payment and it is getting harder for me to pay. There was a time they told me I never paid them and I did so I had to pay them again. Another time they got my loan mixed up with someone else 's loan. My main issue is that they would not work with me so I can pay them back. My second issue is that now that they are all over the news I need help and guidance how to fix this issue. 

The XXXX XXXX  XXXX reported Monday that judges around the country have dismissed dozens of lawsuits against delinquent borrowers because the entity bringing the suitswhich purchased loans from other originating lenderscant produce paperwork to prove it owns the debt. Sometimes, explains student loan expert XXXX XXXX, such issues have arisen because documents have gone missing, particularly for older loans where actual hard copies were transferred. In other cases, he says, there are basic misinformation or data input mistakessuch as mixing up borrowers names or Social Security numbers. 

They also dont usually provide proof of the transfer of the individual loan from the bank to the Depositor to the Trust. 

American Education Services ( AES ), the loan servicer that manages XXXX XXXX debts. If youve gotten collections notices from XXXX or bills from AES, theres a chance XXXX XXXX holds your student loan.
I purchased a knife for {$320.00} and sent payment via PayPal under the impression that this would be under purchase protection. I was sent a much cheaper folding knife than I ordered. I communicated with the seller who stopped communicating with me when I told him I had received a much cheaper knife. After disputing the charge with PayPal, the company claimed that the knife was not eligible for purchase protection. This is contrary to their acceptable use policy which fails to explicitly say anything regarding automatic knives. No reasonable reading of the acceptable use policy would lead someone to conclude that their purchase would not be protected due to the broad, inexplicit language used. This means that as long as someone is defrauding by pretending to sell a certain knife via PayPal, they are free to defraud PayPal customers.
The auto house in my city was scamming people big time it was all over the news and I was one of the customers involved. I went in to purchase a car and they had just got a trade in. They immediately sold me the car without checking the car out. I was promised that if I found anything wrong to bring it to them to be fixed free of charge. After 2 weeks I tried to get them to start fixing some major problems such as no heat, XXXX converter clogged up, and more they failed to honor their word. The car barely ran and I let them take it back. I need them to remove that crap from my credit report it's really hurting me.
This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.
I have XXXX Direct loans from XX/XX/XXXX that I have been paying off. I went back to school in XX/XX/XXXX and accumulated more Direct Loan debt. After graduating in XX/XX/XXXX, I had to switch to an income based repayment plan from the standard repayment plan because I was not able to locate a job right away. The standard repayment plan period is 10 years, and I had been on that since XX/XX/XXXX. Then once I got a job in XX/XX/XXXX I switched back to a standard plan for all of my loans from the income based repayment plan. I was told that the repayment terms for all of my loans, which includes the older loans from XX/XX/XXXX in addition to the new loans that I started paying off in XX/XX/XXXX, was going to be 10 years. Instead of paying off my original XXXX loans in XX/XX/XXXX, which was the end of original loans ' repayment term, I will now be paying them off over another 10 year period until XX/XX/XXXX. I was never told this would happen if I switched my loan repayment plan ( it was never in writing or disclosed to me on the phone when I called to make the change ). It all seems unfair and deceptive. The loan servicing company is now making more money from me by collecting all that additional interest that comes with extending my repayment plan another 10 years for these XXXX loans, when I could have had them paid off by now if I had been able to keep them on the original repayment terms.
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both Trans Union and XXXX ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.
I have several inquires from companies on my credit report. They never contacted me or I never knew about these companies. There is also an employer listed that I did not know still exist.
My personal information was affected in the XXXX Equifax security breach, leading to several days ' worth of annoyance and unnecessary XXXX about the potential threat of identity theft. Although I have taken all possible steps to avoid issues from this breach in the short term, this data breach will continue to affect me for the rest of my life, as my personal information can not be " taken back '' once it 's been released into the public.