WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016, while in XXXX, I purchased a leather jacket for {$1300.00}, which was to be shipped to me, so I left the merchandise with the vendor. The next morning, I realized that I did not want the item, so I went back to the vendor to ask that he not ship the item and provide me with a credit back to my account. The vendor refused to provide a refund and stated that he would only be able to do so AFTER he shipped the item to me and I was able to return it to him. I filed a dispute with Citi Credit Cards and received a provisional credit while they conducted their investigation. I provided them with all the information that they requested, except for once I accidently forgot to include an attachment, so the investigation was closed. Citi agreed to re-open the case after I provided the information that was missing from a previous email. In the end, they stated that they could not credit my account because the VENDOR ( in XXXX ) said that he never received the merchandise, despite that it was returned to the location from which it was sent, a XXXX XXXX in XXXX, XXXX. 
When the vendor refused to grant me a refund until AFTER he sent the merchandise to me, I understood that he would make it difficult ( if not impossible ) for me to undo the sale. I am not certain if he received the merchandise back or not, but I do know that it was signed for at the XXXX XXXX, which is where FedEx ( the original shipper to me ) returned the package. According to Citi Credit Cards, the vendor says that he did not get the merchandise ; however, I know for a fact that he did not want to issue a refund - even before he mailed the merchandise that I NEVER took possession of. 
So, now, Citi Credit Cards is making me pay for merchandise that I do not have because the vendor, who was unscrupulous to begin with, is saying that he did not receive return shipment, which, if it is true, may very well have been by design. 
Is there no law against having to pay for merchandise that I did not receive, especially, when the Vendor shipped the items against my will - and I have done EVERYTHING in my power to return the items back to him? Should n't Citi Credit Cards be obligated to write this off to their " bad debt '' account, as opposed to forcing me to pay for a good that I do not have and did not want? I believe that it is unfair to put me in the position of proving that the VENDOR is not telling the truth ( that he did receive the package ), when they have no proof to the contrary - other than his statement. Should n't they be giving me ( their customer ) the benefit of the doubt OVER a vendor with whom they have no other ties? 
I feel like I have been victimized by the vendor in XXXX AND Citi Credit Cards. They did agree to give me a {$230.00} credit, but that still leaves over $ XXXX that has been charged to my account for something that I did not receive the benefit of. 
Please help.
Champion Mortgage keep sending Me FRUGLANT Bills, which was not Agreed upon in my Reverse Mortgage. I have written to them several times and also Report them to cfpb before, But they still continued sending me those Bills. Attach will be Copies of sum of those Bill.
The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must be removed. Experian 's failure to verify means my accounts must be removed from their database, which Experian refuses to do. Please have Experian comply with the FCRA and either provide the verification or delete unverified information from my consumer file.
XXXX XXXX of PNC Bank called me in XXXX and said that my line of credit would not be renewed this year. I 've had this line of credit for over 20 years and have always paid off. When I asked him why the would not renew it he said corporate decision. This line of credit is essential to run my business. I asked for a written statement stating why this line of credit was cancelled and got no response. 
HIs contact info XXXX XXXX XXXX Vice President Asset Resolution Team ( XXXX ) XXXX Phone ( XXXX ) XXXX Fax XXXXXXXXXXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX Mail Stop XXXX My company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX
I have been a victim of Identity Theft as well as several Data Breaches. The  latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
TRANSUNION HAS REPORTED A DEBT, XXXX, XXXX AND XXXX. THIS DEBT WAS RESOLVED BY MYSELF WITH THE GOV AGENCY XXXX DUE TO THE DAYCARE BEING OUT OF COMPLIANCE WITH BILLING PRACTICES. THIS DEBT WAS ALSO INCLUDED ON MY BANKRUPTCY AS IT WAS RESOLVED BUT HAS NOT BEEN REMOVED FROM MY CREDIT REPORT.
XXXX still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. Great Lakes Borrower, states they report to XXXX. XXXX   blames Great Lakes. It isn't accurately reported, still.
My credit was up with transunion report, we bought a home, did not open any new accounts, and its dropped 100 points. Transunion has always been much much lower than the other two for whatever reason and it cost us a conventional loan.
PLEASE CANCEL COMPLAINT #  XXXX  FILED ON  XXXX / XXXX /  XXXX   TODAY A DEBT COLLECTOR CALLED MY PHONE LOOKING FOR MY SPOUSE  XXXX   XXXX   XXXX  SS #. SHE ASKED WAS HE AVAILABLE AND I ASK HER WHAT CAN I HELP HER WITH. THE COLLECTOR  XXXX   XXXX   XXXX  FR OM ALLIANCE GROUP  CALLED FORM PHONE #  XXXX  HER DIRECT LINE. SHE ADVISED ME SHE WAS CALLING MY HUSBAND IN REFRENCE TO A PAYDAY LOAN FROM   XXXX   XXXX   XXXX   XXXX  AL. SHE QUOTED  XXXX  I ADVISED HER THE AMOUNT WAS INCORRECT. SHE BEGAN TO OVER TALK ME. WHEN I TRIED TO TAKE OVER THE CONVERSATION SHE GOT FIRED UP AND PROFANITY WAS EXCHANGED. SHE CALLED ME A  XXXX  AND ADVISED ME TO  XXXX  SOME. WHICH WAS HER EXACT WORDS. AS A DEBT COLLECTOR SHE USED OBSCENE LANGUAGE TO ME. AND THEN SHE HUNG UP AND CALLED ME BACK TWICE. SHE VIOLATED FDCPA. I HOPE THE LINE WAS RECORDED. I NEED HELP FILING A COMPLAINT WITH THE FTC. I WANT THE COLLECTOR FINED AND THE COMPANY FINED AS WELL THE ALLIANCE GROUP. I ORIGINALLY THOUGHT THAT  XXXX   XXXX  WAS THE RESPONSIBLE BUT THEY INFORMED ME THEY OUTSOURCE THIS ACCOUNT TO ALLIANCE GROUP  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  SC  XXXX
I tried to get the free annual credit report from Equifax because XXXX sent me a credit card that I had not ordered. XXXX and XXXX were great and I easily got my reports, but Equifax said that it couldn't send me report online. I tried to call them ( This was in XX/XX/XXXX ) and never could talk to a live person. I tried to order a report today ( XX/XX/XXXX ) and again, Equifax stated that it could not send the report online and to call them. I called again. Equifax stated that my address was not what they had on file. Now I '' m really worried. All of the information that I entered was correct. I never could speak to a live person. Equifax wants me to send all of this personal information through the mail to them so I looked up reviews. Other people have not had good luck with sending their personal information to Equifax. The company appears to be a complete joke. Why is Equifax even allowed to access our personal information? I can't get my credit report from them, nor can I talk to a live person, yet they hold my personal credit information and claim that what they have on file is not what I just entered. I have no idea what to do next.
I was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I received a phone call from Intgrated Recovery Services regarding an installment loan that I could n't finish paying. I asked if I could call back after I checked the information out. I found that I did take the loan out. I could not remember this company when I was first contacted. I called back the same day to see what kind of arrangements I could work out. The first man I spoke with was busy so I got another man. I told him that I had never received anything in writing to validate the collection. I know I owe the pay day company but was n't sure if this company had bought the debt. I wanted a notice in writing. They asked if an email was ok. I said that I wanted it in writing by mail. The guy started yelling at me telling me that Trump had changed the laws and I am going to lose and I should just pay my bills and my tricks do n't work. Trump changed laws and he is not on my side. I 'm finished. I find that to be so belligerent and rude and honestly scary that someone would speak to me that way when I just wanted some validation that this company actually bought the debt. I only borrowed {$300.00}. It ca n't be that hard to make an arrangement once they verify that they actually bought the debt from XXXX. XXXX. I do n't want to call them back and be talked down to and screamed at. I did n't treat them that way and ca n't participate in resolving the issue if they cant be professional. I also do n't know why they find it so difficult to send me something in writing to validate the debt. Legally they have to sdnc something in writing notifying me of the debt. I have never dvdn received any collection notices from the original creditor. I find it fishy.
On Monday XXXX XXXX, 2015, Agent XXXX called my office, scared my staff and ask my assistant to deliver his urgent message that I need to call him back at XXXX regarding a very serious issue. I called back and the operator could not reach him. On Tuesday, XXXX XXXX, 2015, he used a different phone XXXX to call me on my cell phone number which was neither given to the operator nor him. He demanded me to pay the debt owed by a person and business who I do n't even know. He claimed that the debtor and I are living in the same address, and threatened to file a complaint to the Board to ruin my professional license. Even though I explained to him that I have no business or relationship with the debtor. He rudely said that he knew who I am and threatened to take legal action, then he hang up.
In   XX/XX/XXXX  I  was involved in an auto accident and was taken to  XXXX   XXXX   XXXX  in  XXXX , IN for examination and   XXXX  .   XXXX   XXXX   XXXX    performed the   XXXX    services.     I provided the hospital with my insurance information, which they forwarded t o   XXXX   XXXX   XXXX  .   According to my insurer, I was left with an outstanding balance. I never received any written statement or notice from  XXXX   XXXX   XXXX   XXXX   during  XX/XX/XXXX . All other  medical bi lls were settled i n  XX/XX/XXXX ,   so I was under the impression that  XXXX   XXXX   XXXX   XXXX   had also been paid in full.     I n  XX/XX/XXXX ,  I was notified that a debt of  XXXX  had been turned over t o IMC Credit Services for collection. I disputed the charge, as I had no other notice of any   outstanding debt. IMC notified me a few weeks later that the debt was from  XXXX   XXXX   XXXX   XXXX  .     I made inquiry to  XXXX   XXXX   XXXX   XXXX   about this bill, and received the following reply via e-mail : " Thank you for the kind compliment regarding the services that were rendered to you by the hospital and the reading radiologist. Our practice strives to offer the highest quality care. The insurance information provided to the hospital was appropriately forwarded to  XXXX  by the hospital, and your insurance in fact processed the claim. The balance that remained was your out-of-pocket expense. The following day after receipt of your insurance   XXXX   XXXX   XXXX   (  XXXX  ), a statement generated to the address provided by the hospital. Regretfully, this statement returned in the mail due to no available mail receptacle. We engaged a third party to perform skip-tracing on the account, as we do for all accounts with an invalid address. Respectfully,  XXXX   XXXX   XXXX   XXXX   ''  XXXX   XXXX   XXXX   XXXX   had addressed the statement to my physical address ; I live in an area in which all residents have post office boxes, and the post office returned the mail as " undeliverable as addressed. '' Not  one other  attempt was made on the part of  XXXX   XXXX   XXXX   XXXX   or their skip tracer to contact me, either by e-mail or telephone, to establish my correct mailing address. I have lived in the same home for over 20 years and have established utility accounts in the area, so I 'm not that difficult to locate.     I paid the debt as requested, but would like to have the collections report to the credit bureaus rescinded.   XXXX   XXXX   XXXX   is largely responsible for the fact that the debt remained open for nearly a year, as they failed to make reasonable attempts to contact me. It 's difficult to pay a bill that is never received, and even a meager attempt to locate me or find my mailing address would have resolved this in a timely manner.
I received a letter from  OneMain Financial stating that I owe them {$3800.00}. I never sign any paperwork for a loan with OneMain Financial.
Acceptance Rentals, Inc. of XXXX, GA has failed to report a paid off day furniture account to XXXX Credit Bureau even though theyve confirmed through email that its reported.
I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.
I leased an automobile through Nissan-Infiniti LT. The lease was serviced by Infiniti Financial Services. I turned the car in to my local Infiniti dealer at the end of the lease term. A few weeks later I received an " End of Lease Liability Statement '' from Infiniti Financial Services stating a net liability of {$3000.00}. Charges included " Unsatisfied Contract Obligation '', '' Excess Wear and Use '', " Tax on Excess Wear and Use '', and " Remaining Rents Due '', among others. I wrote Infiniti Financial Services challenging these charges and they provided an illegible copy of the contract and did not address several of my questions. Concurrent with their correspondence, they turned my account over to a collection agency. Their actions have hurt my credit rating and are heavy-handed and unethical. I do not believe the bill is accurate and I do not believe I have an obligation to pay.
I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. 
The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.
This debt was paid XXXX 2014 to XXXX, CBE group has contacted me twice in the last two years to collect a debit I owed XXXX and paid in full 2 years ago. I went thru my records to find the receipt and date of payment the first time CBE contacted me in XXXX 2014. Now I 've received another notice, but this time they 've added another name to my account, actually they 've added one persons first name with someone else 's last name. Nobodys name was on my XXXX account but mine, and this is a paid account. The second name has my deceased dads first name and my ex husband, of 19years, last name. What kind of scam are they trying?? Collecting on paid accounts and guessing with names being involved that Never was ...
I have contacted XXXX Claims Department about unauthorized transactions on my account. They have responded that since the charges are above 60days from the day I reported they would not be able to assist me, I requested reasonable accommodation through the American With Disabilities Act and asked for assistance. The bank informed me since they were beyond the 60days they would not be able to investigate and refused to credit my account. I was under the impression I am FDIC insured. I have sent several emails to uber asking them to reimburse me and they have also failed to send me a response any help that CFPB could assist me with is much appreciated. 
I have charges on my checking account from uber, please advise they were not initiated by me. Would you be able to assist. 
Dates are UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$23.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( XXXX XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$5.00} I have called the banking institution I bank with. They were unable to reverse the charges because they stated it had been more than 60 days that I called to express fraud. I need the charges reversed. 
These are the dates of the transactions.
Equifax had a security breach that resulted in my personal information being at risk. I am very worried about my information and am now trying to setup a fraud alert, and Equifax is down for maintenance? This is ridiculous.
I am receiving numerous calls every day attempting to collect a debt, leaving messages on the answering machine that are overheard by my roommate. After leaving such a message on the answering machine XX/XX/XXXX at XXXX XXXX EST the collection rep then contacted my youngest sister on her cell phone, on XX/XX/XXXX at XXXX XXXX EST " and inquired about a possible new contact phone number if she could have said contact number ( request was denied ) then inquired of my employment status asking for the company name and telephone number ( was told that I did not work, the representative responded negatively with a XXXX XXXX ). In fact I have been receiving Social Security  XXXX since XX/XX/XXXX. According to The Federal Fair Debt Collection Practices Act, " collectors may not tell another person, other than your attorney or spouse, about your debt. '' This Collection Company maliciously and with disrequard violated my consumer rights by discussing my debt with a third party.
Negotiated settlement and XXXX issued in 2014. Full amount still reported on some of major credit bureaus.
I got a TJX mastercard while shopping at a department store, and I expected to receive a bill within the next month, but the bill never came. I started receiving some strange calls from a debt collection agency, but I ignored them because I thought that they were phising calls. I eventually picked up the phone one time and they threatened me that they would destroy my credit score, and put me in jail, and ... so much more.

I asked them what that was all about and they told me that I had not paid my credit card with TJX. I called the customer service on the back of the card to verify their story, and indeed they had sent the account to a collection agency. I told them that I never received a bill, and after several attempts and talking to several managers, they told me that they would remove the late fees, and they sent me a new bill.

I paid the credit card balance for my TJX Rewards Platinum Mastercard through my credit union back on XX/XX/2018, but I kept receiving calls from a debt collection agency with threatening messages, and tone. I called TJX to ask them what this was all about, and they told me that they had never received my payment. I told them that I would check with my credit union and get back to them. I contacted my credit union and they provided me with a copy of the check that they sent to TJX on XX/XX/XXXX, and their records show that the check Cleared ( on XX/XX/2018 ) I called the company back and gave them this information, but they kept telling me that " there is nothing that they can do till they receive my payment ''. I spoke to a manager at some point who gave me a fax number where I could fax they proof of payment from my financial institution ( fax # XXXX ). I faxed the information, and two days later I called to find out if they had received my fax, but they had not. I faxed it again, but then I received another one of those threatening phone calls. I called back to them and asked them when will these call stop? and when is my credit score be restored? ( plus remove the fine that they had added on top of the amount that they still display on my account ). They told me that the account might take two to three cycles to clear if and when they receive my fax with the proof of payment. At this point I don't know what else to do to verify that they have received my proof of payment, to stop the harassing phone calls, and to clear my credit history.