WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered and received 3 pair of shorts from XXXX on or about XX/XX/2018. I returned all 3 pair  in same pkg on XX/XX/2018 prior to receiving my statement. When I received my statement I noticed a late payment fee so called on XX/XX/XXXX and spoke with several customer service representatives and was told they would waive the late fees and I only had to pay {$9.00} to pay balance which was for shipping label I used to return the shorts. I paid it that night and have received another statement for late payment from XXXX. Apparently the 3rd pair of shorts was never credited. I emailed customer service on line and was told they only showed credit for 2 pair! This is obviously an error on XXXX or XXXX part. I am disputing the balance! {$9.00} plus late fees. Bringing balance to {$34.00}!!! Also XXXX reported late payment to credit reporting agencies which has affected my credit score. I reported dispute to them as well.
CBCS IS TRYING TO COLLECT FROM ME A DEBT I DO NOT OWE AND I HAVE NO CONTRACT WITH CBCS FOR A DEBT
I had cosigned a vehicle loan for a friend on    XX/XX/XXXX   . Said friend then moved to  XXXX  and stopped paying for the vehicle and put the vehicle into a repossession. I called the friend and picked up the vehicle from him and returned it to  XXXX   XXXX   XXXX   XXXX , located at  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX . I then asked for a receipt that the vehicle was returned and to ensure the vehicle would stop reporting as " 120 days past due '' on my credit reports. The woman named  XXXX  at the main branch said she would email me the details and my credit would be updated to reflect the turnover of the vehicle. This email was never received I later found  a " Repo Expense '' w as charged to the account while I received no payment for retuning the vehicle to them.   In Spring of   XX/XX/XXXX ,  I applied for a car loan and was denied due to an " open auto '' appearing on my credit report. I then send a certified letter on    XX/XX/XXXX   to bo th  XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX  at    Sprunger Law Office     requesting adequate documentation in accordance with FDCPA and FCRA and also that the debt had been disputed. Note : This letter was signed for on   XX/XX/XXXX  by   XXXX   XXXX   an d   XX/XX/XXXX   by  Sprunger Law Office  .  I received a return letter on   XX/XX/XXXX  f rom  XXXX   XXXX  at  XXXX   XXXX  that listed an itinerary of the debt and requested return contact within 10 days of receipt.   I responded to the retuned letter on    XX/XX/XXXX   , where it was signed for on    XX/XX/XXXX   , notifying  XXXX  that he had failed to provide proof of the debt bearing my signature and that per FTC  opinion  letter from Attorney  XXXX   XXXX   XXXX , he should be aware that a printout of a bill or itemized document does not constitute verification, and yet again requested supporting documentation.   On    XX/XX/XXXX     XXXX  sent a letter with documentation he deemed fit as support, but not all requested documents were attached within the send letter.   I then waited over 31 days from the initial sent letter and pulled my credit report to see that  XXXX   XXXX   XXXX   XXXX  had not remarked a dispute in accordance with the Fair Credit Reporting Act, Section  623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required  30-day per iod. I reminded him that  XXXX   XXXX   XXXX   XXXX  may be liable for their willful non-compliance, as per FC RA 623 ( a ) ( 3  ) - Responsibilities of furnishers of information to consumer reporting agencies  [ 15 U.S.C. 1681s-2 ].    As they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inaction  )  on their behalf may result in a small claims action against their company.   Note :   Sprunger Law Office  failed  to reply to my request via certified letter within 30 days of receipt. The final letters were signed for on    XX/XX/XXXX    by  XXXX   XXXX , and on    XX/XX/XXXX    by  Sprunger Law Office.
XXXX of full payment of debt agency is keeping account open and reporting to credit beareau and also did not send closure letter even after 1.5 months from receipt of payment
several years ago I opened a checking account at Washington Mutual Bank. Part of the product line offered with the checking account was Free cashiers checks. The bank was sold to Chase. I recently got a letter from Chase stating in a few weeks they will begin to charge me a fee for the cashiers check. As I recall the original offer from Washington Mutual was free cashiers check for life. Do I have any rights here?
I just tried to send & XXXX Us dollars to my Mother in XXXX via Western Union only to be met with a whopping transfer fee of {$69.00}. As recently as XXXX 2017, this transfer fee was {$37.00}, to send the same amount to XXXX and for several months before that {$32.00}. I use the service for convenience sake only, because when you go to a Western location here in New Jersey the transfer fee is {$12.00}. 

I am home sick today with XXXX XXXX, and persistently XXXX XXXX, so I thought I would use this service again for the convenience, but I can not in good conscience pay this new transfer fee. This is highway robbery.
My taxes are escrowed and paid by my mortage servicer. My real estate taxes which are due on XXXX/XXXX/2015 have not been paid. I received a past due notice from the County which I forwarded by email to the tax department of my loan servicer. I also left two messages on their online banking messaging system that have not been responded to. I finally made a call to the company and simply asked for a confirmation email that the taxes would be paid before the past due date and that they would be responsible for any late charges resulting from a late payment. The customer service rep said they could not do that and to " trust them ''. I do n't know if they will pay the taxes on time or not and if they do n't I have no record of my conversation and it will be my word against theirs in any dispute over late charges. Very poor customer service. And are there not standards for the length of time between a request is made and a response is given. I made a request over their online messaging service over two weeks ago and have received no response in writing notwithstanding the following automated message received in response to my inquiry : '' Your message has been submitted successfully and has been referred to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law '' So what is the time limit required by law?? 

Thanks for looking into this.
This has been going on for about over a year and a half now. Equifax still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, Equifax was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. Equifax refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my Equifax report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things Equifax refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. Equifax refuses to resolve this ongoing fraud situation. In addition to that Equifax still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however Equifax refuses to delete it. Third. XXXX 's XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. Equifax refuses to block these fraudulent accounts. Also Equifax is reporting an address I don't live at. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX this is not my address. In addition to this Equifax supplies this information to XXXX, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to XXXX XXXX but due to an extended wait time I left the emergency room and was never seen by any physician. 

The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! 

I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. 

Please advise!
Timely final payments on a loan serviced by Ocwen were made and put into " suspense '' which accrued penalties, interest and additional fees. The final payment was {$130.00}. The amounts continue to accrue without explanation which at one point even showed a credit balance on my account. Later I applied for a operating loan for my farm and was denied because of the Ocwen reporting my " bad credit ''.
Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.
Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Non stop calls asking for XXXX XXXX, ( who is deceased ). Saying if you are XXXX XXXX, stay on the line, if not hang up. 
I hang up, because I am not XXXX XXXX, but the calls continue. 
I stayed on the line, hoping to talk to someone, but never get an answer.
We attempted to reserve a rental on XXXX XXXX. To do this you must give payment information via PayPal. We did as requested and the owner responded immediately stating that the property was book but he had a different property. We declined twice.

Worried that we were getting scammed ... we attempted to cancel our request ... since the property was not available but he still had our payment information. We removed the credit card used from our PayPal account. We received a letter immediately stating that the card was removed and any authorizations made " BEFORE XX/XX/XXXX'' would be permitted. No further charges would be allowed. We did this on the XX/XX/XXXX. Today ... XX/XX/XXXXPayPal charged the credit card. When I called to complain I was told the card was authorized on the XX/XX/XXXXand so it went through.

I would have taken further measures to protect myself from fraud had PayPal informed me that any charges authorized ON or BEFORE the XX/XX/XXXX would be allowed. " BeforeXX/XX/XXXX '' in the financial world is XX/XX/XXXX.

I am now fighting to get my money back and was on hold with PayPal for 55 minutes before I was disconnected. I have screenshots of all of this and can verify what I am saying is 100 % accurate.
I was sent a pre-qualified offer for a personal loan by Sofi. When I created my account and requested a rate, one was provided to me and i was prompted take next steps including a hard inquiry on my credit. 
On first application, I provided following documents : 2 Most recent pay stubs Copy of my XXXX XXXX Application was denied as Sofi responded that they can not verify my employment I applied again and provided following documents : Copy of 2016 XXXX 2 most recent paystubs Copy of My XXXX XXXX Again Sofi declined the loan citing " unable to verify employment '' One of Sofi underwriters viewed my XXXX profile as well. 
I called Sofi and was told following WE CAN NOT PROVIDE YOU DETAILS OF WHY WE CAN NOT VERIFY YOUR EMPLOYMENT. Keeping in mind that i provided my SSN, employer 's EIN and most recent XXXX, it is very hard to imagine how Sofi would fail to verify employment. 
I got my employer on the phone with Sofi. We were advised to open a third application so Sofi can look into it. 
I followed their advice and opened a third application. This time I called Sofi every day when the application was in review, notating on the case that if Sofi is having difficulty in employment verification, reach out to my employer. I was assured that it will be done. 
But the application was declined again, citing inability to verify employment. 
At no time an attempt was made to reach out to me or my employer verify.
When building our new home my husband and I decided to work with the mortgage company recommended by our builder, NVR Mortgage. Overall the process was not smooth but in the end we closed on our dream home in XXXX 2015. Immediately after closing our mortgage was sold to another company. Last week we received notification that we had an escrow shortage of {$10000.00} and that our monthly payment was going to increase by over {$500.00}. After reviewing our closing documents and discussing with family and friends we discovered that the good faith estimate of our property taxes provided to us was fraudulent. Our property taxes were estimated to be only 1 % of our home value. Upon further research, standard in the business is an estimate of 1.5 %. Our actual property taxes are 2.12 % -- this information would have taken less than a minute to obtain by anyone preparing a good faith estimate. When making the decision to purchase our home we trusted the numbers that were quoted to us and were not told that this was an estimate. We were told that this will be your payment. 
I work in the medical field and make decisions on a daily basis that affect people for the rest of their lives. This is not something that I take lightly. The grossly inaccurate good faith estimate that NVR mortgage presented to us will affect us for the next 30+ years. Medical malpractice is an act or omission by a healthcare provider which deviates from the expected standards of practice in the medical community and causes injury to the patient ''. NVR mortgage clearly deviated from the standard of practice when providing our quote on property tax. We would not have purchased this home if we had known what our actual payment would turn out to be. We now owe {$10000.00} and our monthly payment will be increasing by over {$500.00} per month. We are devastated.
On XX/XX/XXXX, I went to XXXX XXXX, located in XXXX, IL to have the brakes on my XXXX XXXX XXXX replace. I was informed by the Shop Manager that all four must be replaced as well as the Rotor which will cost approximately {$940.00}. I informed the Manager that I only was able to afford to have the front brakes did. They reply by inviting me to a 90-days interest-free cash payment. Or 12 month I agreed. While I was at the shop the service technician took the primary information off the car, the cashier downloads the mileage intentionally incorrectly into XXXX system my incoming miles was around XXXX XXXX backlogged the miles to XXXX this would have caused my XXXX XXXX warranty to expire. After, realizing this was intentional that XXXX was trying to sabotage the XXXX warranty. I didnt realize that I was being schemed until my alleged new brake pads and rotors were squeaking I couldnt understand why this was happening. I took the car back and showed the General Manager how they deliberately downloaded my miles, they did honor that and replace both the brakes pads and rotors. My primary complaint was this company that finances the balance of the bill, my agreement was that I will make my payments by money order only I do not have any of my creditors to automatic withdraw payment from my account. My last payment was made by money order on XX/XX/XXXX as money order No. # XXXX amount {$150.00}. 
XXXX XXXX ( XXXX XXXX ) whom I agreed to finance the balance. XXXX illegally withdrew from my bank account {$80.00} on XX/XX/XXXX which at that time caused my account to be overdrawn. Im a seniors citizen living on a monthly budget wherefore, I can not afford my checking account to be overdrawn. According to their monthly statement, the customer has an option to enroll in automatic payments from either your checking account or debit/credit card. I refused to participate. After researching my rights and how I can begin legal action against this company for violating my privacy and attempting to steal my identity to gain access to my bank account. That when I also discovered I was being overcharged interest rate. I didnt realize they were in violation of the Illinois payday loans interest rates laws. I informed XXXX XXXX   that I appreciate if they would return the funds right away which per my conversation on XX/XX/XXXX at XXXX XXXX I was informed to fax a copy of the bank transaction which I did. Today XX/XX/XXXX they inform me my funds won't be available for at least 6-10-days. I requested 48 hours. They went into my account electronically they can refund my account electronically.
I have recently checked my transunion credit report and found a collection account listed on my credit report from some company called XXXX XXXX and the supposed creditor is XXXX XXXX. If you google XXXX XXXX this company is a FRAUD. I have had no dealings with such company. I have tried to odispute this with transunion however, they will not allow me to do so online and when I call I first get transferred to some person in XXXX XXXX. When I ask to speak to someone in the US I am left on hold because they claim " they are experiencing higher than normal call volume ''. 

If Transunion is going to allow some company to post a fraudelent account on my credit report they should at least have the decency to give me the opportunity to dispute this incorrect information with someone on the phone or online. They " claim '' that they actually do an investigation but this is a bogus claim. Now I am told by them that I have to file a police report to have this information removed? How about transunion do the right thing and report correct information?
There is an unknown account listed which I have disputed and requested validation which came back to me in the mail. Please help
XX/XX/17 I received a phone call from my ex wife that a number, XXXX, has called several times but the women will not give her name what company she works for or what the call is about, she only claims she has business with me ( XXXX XXXX ) that is most urgent or else if she doesn't get in touch with me. When I called the number the person refused time and time again not give her name or company or what the call was even about, she just keep badgering me on my Name address, SS # etc and would divulge nothing till I did so. I refuse and it is also unfair to ask for sensitive personal information to be given to a person that wont identify themselves. The company turned out to be NAR inc and the womans name is XXXX XXXX, once I was finally able to get what the call was about regarding a medical debt I had been paying out while waiting for insurance to verify if they had paid all they would I simply asked for a itemized bill and if the numbers matched I would pay the debt immediately. I did not get an itemized bill all I received was a one page letter saying the debt was verified. It also had 2 amounts one for {$42.00} ( the actual Debt ) plus a 40 % collection fee of {$16.00}. I have paid the full amount including the fee, however she called my ex wife several times after I said don't due to issues with her being my exwife and to be honest she has gone back to her maiden name so not sure how they got that number at all. I asked her several times not to call her and she did anyway. I also think the collection fee is unfair it isn't interest its obviously a fee they just decided to add for no good reason. I also have asked once again for an itemized bill so I can match it against the insurance payments but they refuse.
As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 
2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.
Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.