WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom it concerns, I have followed all channels to return a product that was not what I ordered and feel as a consumer there should be a layer of protection when using a credit card. 
Here is the process : 1. I called XXXX XXXX XXXX to verify the return location prior to shipping the boxes 2. I labeled the packages according to the XXXX response on the phone-which happened to be the same return address on their shipping label when I received my order. 
3. I returned the items as they were not correct and a paired used - I was not selling any bullion back to them. 
4. They received the boxes with a signature confirmation from XXXX employee Manager XXXX XXXX 5. There is also XXXX tracking report that states all boxes moved normally threw the XXXX system with out any issues. 
6. There was also a XXXX investigation that XXXX XXXX has on file. 
I was simply returning a product that was not what I ordered in the first place. As a consumer, I used all the return tools that are available XXXX tracking and XXXX signature confirmation. XXXX received all XXXX boxes in good order stated by XXXX investigation ( sent report to XXXX on file ). In speaking to XXXX, I was informed that when packages go threw their hubs, they are reweighed several times. We are talking about XXXX boxes each weighing XXXX pounds. There was no damage and all boxes had correct weights which was recorded by transfer station employees and the driver. I have tried to contact XXXX at XXXX several times via email and phone asking for updates and any current reports and I have not heard back. The signature confirmation is proof that they received the items and the XXXX investigation is additional proof that it was delivered in good order. Its nonsense that XXXX is stating all XXXX boxes were empty after receiving them.
On XXXX XXXX and XX/XX/XXXX I wrote checks for {$750.00} each day to XXXX XXXX, a company I contracted to do work on my home. The checks were cashed on the day they were written and were posted to my checking account on those days. 
On XX/XX/XXXX Wells Fargo posted those two checks to my account and took the funds from that account. 
In XX/XX/XXXX I contacted Wells Fargo concerning this and they " provisionally '' returned the funds to my account while they investigate. 
I have attached bank statements showing the same two checks cashed on two different occasions.
bought a vehicle and told them i was on a fixed income and had XXXX for down payment. when i arrived the passed me on to another sales person who told me he was working with me now. They told me i was turned down for a vehicle then a day later told me to bring my XXXX and pick up the truck. they said i need insurance but i told them i did not have any more money. so they gave me papers to sign saying for a promise to pay insurance i would let them take the money out for insurance from my debit card. the loan company finalized my loan then i was on my way. a day later my transmission was going out so i called them and they say the car was as is and there was nothing they could do. so 40days go by and they said to come pick up your license plates, but when i got there they started to harass me and say hey you owe XXXX then we will give you the plates. i said no and after a hour of an argument they gave me my plates. then when i started to monitor my credit i saw Grimm collection agency on my report. i explained to them what was going on and i did not owe this debt nor had been contacted about it. i was told they had sent the info to the wrong address. i gave her my address and she still sent it to a wrong address. i ask her to remove this from my credit report because it was a fraudulent debt. i contacted the car dealership and was not willing to work this out and to contact the collections agency. so i do n't know what to do because this is a fraudulent debt from a dealership with questionable practices.
I received a call not identifying myself at my work place from a rude gentleman asking first for me and then to speak with a manager, and I asked him if he had permission to contact my employer and he stated to my me that he want to speak to my manager again, left a number then hung up the phone. 

He claimed that he did not know if I worked there and to forward his number to anyone and he was very rude and speaking over me the whole time. 

I don't even know what debt he is trying to collect. 

He called from XXXX and then XXXX
Was contacted by Dynamic Recovery Solutions in regards to a debt from XX/XX/XXXX. I asked to be mailed a statement of debt and received a statement by mail on XXXX/XXXX/XX/XX/XXXX 

Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXXXX/XX/XXXX and spoke to their billing department and was told that all there was no open account and they did not send anything to collections. I have no debts on my credit score and Dynamic Recovery Solutions " helpfully '' informed me that if I paid them then nothing would go on my credit history.
I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.
Have attempted to contact XXXX XXXX XXXX to offer {$25.00} a month payment because I am retired and that is all I am able to pay. The company hung up the phone and would not discuss.
In 2006 I applied for a home equity loan from XXXX XXXX Bank. XXXX XXXX Bank committed fraud in the origination of this loan because it charged me more fees as an XXXX than that of XXXX borrowers. XXXX XXXX was sued by your agency and paid a settlement. RBS Citizen bought the fraudulent loan from XXXX ( XXXX XXXX Bank was acquired by XXXX ) and now is suing me to collect.
I disputed an item on my XXXX file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as of XX/XX/XXXX. ( Account number listed XXXX ) After disputing the item, XXXX changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either XXXX or on Wells Fargo Mortgage. 

I AM FILING THIS AGAINST XXXX XXXX XXXX XXXX BECAUSE THE FAIR CREDIT REPORTING ACT ( SECTION 623 ) PROVIDES THE SAME REQUIREMENTS FOR REPORTING ON DATA FURNISHERS AS IT DOES FOR REPOSITORIES. 

It is quite apparent that someone at XXXX XXXX XXXX XXXX is manipulating the status of this account to purposely reflect in a more delinquent status to artificially lower my credit scores. This is clearly WILLFUL NEGLIGENCE. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.
On XX/XX/18 I contacted Transunion about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my credit report.
I submitted a dispute to Equifax in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as 30 days past due. after receiving my results from Equifax I called XXXX and they told me that they did NOT verify to Equifax anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that Equifax correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
I disputed the incorrect on my credit report. Transunion has refused to research the dispute, the dispute is also involved with an Bank complaint with cfpb # XXXX & XXXX. I provided Transunion with the information but, the company refused to research the cfpb information and the letters from the company.
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Ma'am or Sir, I noticed on my credit report there was a collection account appearing for a modest amount that I did not recognize.

I had never received any validation notice telling me how much money I owe within five days. I have never been contacted. On my credit report, it shows the name of a collection company and the name of our former ( horrible/traumatizing ) dentist. I contacted the dentist to resolve the issue but they have been unresponsive.

Despite the fact that I do not owe, and despite disputing the item with the reporting bureaus, the item continues to appear on my reports.

As it is appearing as a derogatory " collection '' it is adversely impacting my credit score. I recently lost my mother ( XX/XX/18 ), we were left with a home in XXXX I'd like to purchase from the estate/siblings, in order to keep it in the family.

I am patiently awaiting PROMPT resolution so the bank can run a credit check for approval of my mortgage loan ( without this erroneous collection appearing ). I am a first time home buyer and am diligent about paying my rightful obligations.

Additionally, I work in XXXX XXXX XXXX and my security clearance is in the process of being renewed. This item is adversely impacting that outcome as well.

Yesterday I provided the dentist with a FSA FEDS claim form that he must certify, verifying a service was provided, along with an email of my request and opportunity to dismiss the trade line without incident ....

I have received no response despite inquiry and a recent call to the office to resolve the matter was met with rude reception yesterday.

I have left messages requesting that XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) call me directly. My requests are being ignored or perhaps the messages are not making it to him. Poor business practices. : ( Please advise.
XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments.
contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.
I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them.
This debt has been paid in full back on XX/XX/2016. It was paid online my reference number is XXXX.
We took out a loan for a condo in XX/XX/XXXX. In XX/XX/XXXX, our mortgage was sold and we had to send documents ( insurance policies and such ) to the new mortgage company. In XX/XX/XXXX our mortgage was sold again to TIAA. They also requested that we provide documents again relating to the mortgage. We have never had an escrow with this mortgage. We just received our first coupon book which includes an escrow amount from one taxing authority ( county ). It also includes an amount for a shortage in this account ( most likely to provide for a surplus since the account balance is XXXX ). My wife spent 45 minutes on the phone with them being switched to multiple people. I finally got on the phone and told them to correct the statement and send us a written document of what transpired. 

We did not ask for or consent for our mortgage to be resold. I selected our original mortgage company based on review of many options, and I am not happy with having to submit documents each time the mortgage is sold. These companies should make sure that any transition does not affect the consumer, and they should be penalized for errors. I have contacted Congressman XXXX XXXX 's office about the larger issue here - mortgages sold and packaged as derivatives.
I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, 2014. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all XXXX of these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. 
I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. 
The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. 
This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.
I have a small business in XXXX, IL on XX/XX/XXXX I used a promotional check offered to me in the mail at 2.99 % for an insurance payment of {$2700.00} due on XX/XX/XXXX from my business credit card from XXXX XXXX XXXX, I have two other promotional transfers on the card totaling {$3800.00} used after that that are due in full on XX/XX/XXXX total at 0 % after looking at my statements for the year I see that all my XXXX payments that I have been sending every month since XX/XX/XXXX have been going to my 0 % balances and I am getting charged all interest on my XXXX at 2.99 % balance and it isn't going anywhere. 

They tell me they pay off the 0 % percent first always because its a business. 

This is totally a rip off, why would any bank or credit card want to cause a business to have to hang on to a 2.99 % balance due on XX/XX/XXXX when they have two other balances at 0 % not due until XX/XX/XXXX All I see is greed to get more interest charges to my business, I am totally disgusted! 

I would like someone to look into this to please let me know how this could be legal.
I leased a vehicle from XXXX, my wife decided she wanted a different car, ( bigger ). I returned to Reedmans and asked what can be done? I was returning the lease 9 months early ( XXXX of 2017 ). The salesman stated that they would have to do an inspection of the vehicle first before anything else. After the inspection the salesman stated we are good to go, I do not owe anything on the lease. We then proceed to fiance a different vehicle. XXXX 2017 I received a call from Chrysler Capital ( XX/XX/XXXX. ), ( the company that XXXX used for the lease ), and stated I owe them {$690.00} dollars for wear and tear and they sent me the bill. I did not receive a bill from them. They stated I could make the payment right over the phone and I informed them I will not pay. XXXX did the inspection and said I owe nothing. They then stated they will send out another bill and I would have to negotiate with XXXX. I informed the person on the phone that that was already done when they did the inspection. They stated they will not contact XXXX for any payment. I called XXXX twice, both times leaving messages, explaining the issue in detail. I have not received any call back. I sent an email explaining the issue in detail. I have not received any response. I want this issue resolved, I do not want it affecting my credit. I believe I am being scammed by both of these companies and something needs to be done about it. {$690.00} dollars may be peanuts to these XXXX dollar companies but to me and my family its a large amount!
I had a loan that was transferred to Wells Fargo and went through foreclosure and was caught up but since nobody knew who owned the note. It had to foreclose since the title was cloudy. It was fraud by the bank on every level. All the documents were Robo-signed and are all made up. It got dismissed in court twice and it is still being reported on my credit inaccurately. Everything is said and done and nothing is accurate on my credit report.
Order # XXXX was supposedly delivered on or around XXXX XXXX, tracking info shows it was signed by someone who forged my signature, a copy is enclosed. XXXX XXXX was a Monday, I was not at home on this day and the signature is forged as it is not mine, not even fully signed. The signature is not my full name, you can see from the copy provided my USPS. An A-Z claim was filed with Amazon, however, it was closed a day after opening stating the item was signed for by myself and would not investigate further. A dispute was made with Amazon credit as well, however, it might have been closed as well and the reason for this complaint. The total charge for the order is XXXX, please advise Synchrony Bank I need this item disputed and or refunded, if possible.
Mr. Cooper refuses to remove the PMI from my mortgage despite the fact that I have meet all of the criteria : -My balance is below 80 % of the original loan value. 
-I have never missed a payment nor been late on a payment. 
-I supplied a Broker Analysis proving that the value of my home had greatly appreciated from the original loan amount. 

I have been going back-and-forth with Mr. Cooper for almost 2 months and they are being obstructionist and refusing to remove the PMI despite meeting all of the criteria.
Received a call from XXXX three times in a row. when I answered guy said he was with the city clerks office and that I was being sued. Told me to contact XXXX. So I did and a guy answered hello ... I asked if this was an attorneys office he said let me transfer you to litigation. Lady then tried to get me to pay an outrageous amount over the phone to settle out of court and said it was an ACE cash express loan. They tried to extort over {$1000.00} more than the debt is. When I called the XXXX number back it went to the city of XXXX but nobody knew anything about a call being placed from it.
From about XXXX to XXXX Discover bank tranfered money from my other charge cards adn from their charge card to a fake discover card that they or someone ueing their sites> I called them evry month NO help I stop paying these illegal tranferes in XXXX. The amout that they took from me is over {$30000.00}!!!! 
I recieved a Tax form XXXX on XX/XX/XXXX stating that theycancelled a dept of {$6200.00}! That was money on the {$10000.00} that the took from my charge card that I had with them minus the money I payed them brfore I stop payment due to them illgelly taking money from my other charge cards and MY BANK!!!! 
They did take me to courtin XXXX. And they droped the case when I proved that the took money illegally from me!!!
I initiated a wire transfer on XXXX/XXXX/15 through discover bank. I did not receive a receipt for this wire transfer upon payment, and after calling and requesting a receipt, I was told it would take a few business days for them to mail me a receipt, which is in direct violation of terms set forth for a wire by cfbp. The wire has still yet to be received by the recipient, nor has it been refunded to my account. I would like the wire to either be completed or refunded.