WillisBack/dataset-financial-user-claim huggingface dataset:
I charged XXXX dollars on my credit card for a procedure the merchant in return charged my card XXXX I disputed the XXXX and capitalone have me a tempery credit made me fill out paperwork and send in my receipt which I did for the XXXX charge now they said the merchant repliled and sent them a receipt with is not even my signature for a charge of XXXX and they ca n't do anything else because I do n't have a cash receipt for the XXXX I paid in cash I sent them a letter in from my grandmother who paid the {$3000.00} cash on the day of the procedure along with my {$500.00} receipt for the charge and they told me they need proof that the XXXX was paid in cash from the merchant if the merchant was trying to rob me which it seems like he is then why would he give me a receipt for the XXXX cash I was rushed in the XXXX under XXXX and could not even think when I woke up this is crazy my XXXX year old grandmother handed XXXX in the off cash the day of the procedure for me I do n't know why capitalone is worried about the cash part when I sent them my proof and receipt for {$500.00} authorizing only XXXX and when they said they had a signed receipt from me from the merchant for XXXX I said the signature was fraud they said they ca n't mark it as fraud because I gave them my card this is insane I 'm not paying {$7000.00} for a XXXX dollar procedure I will sue capitalone and XXXX there not helping me obviously the merchant is trying to rob me
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
lexisnexis was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED.
EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM.
NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ).
I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
After my Chapter XXXX was finished, my first payment to Ocwen was due XXXX 2015 for {$1300.00}. Ocwen will not accept my payment stating that I had late payments due. According to Court documents from the Trustee of the Bankruptcy I no longer was in arrears with Ocwen and I was to resume my monthly payments. I set up for automatic draft withdrawal and on XXXX/XXXX/15 I received notification from Ocwen that the withdrawals would begin on XXXX/XXXX/15. I recently changed the date of withdrawal to be on XXXX/XXXX/15. On XXXX/XXXX/15 I received another letter from Ocwen stating that the systematic withdrawal would be discontinued because the loan was past due. I check my account online and they are claiming I owe them {$4200.00} in late payments. I am tired of dealing with this company. I will not call them because I feel as though they do n't know what they are doing, and it 's very difficulty to communicate with them. I have worked hard for 2.5 years during this bankruptcy to catch up and make sure I was able to keep my house. Now again I am facing the same problems I faced 3 years ago. Why this company is still in business is beyond comprehension.
Suntrust Bank XXXX XXXX Inquiry from XX/XX/2017 The Inquiry above is fraudulent. Please investigate and remove.
Select Portfolio Servicing failed to pay the property tax before due date of XXXX XXXX. 
Name on the account : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Due : {$5100.00} Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Select Portfolio Servicing claim payment was paid XXXX XXXX but when request paper confirmation, one can not be provided. According to the XXXX XXXX XXXX XXXX department, payment XXXX as of today ), have not been received.
I have been a US Bank valued customer since XXXX in good standing. XX/XX/XXXX I decided to close my checking account by calling US Bank customer service hotline. The customer service representative confirmed I did not have any pending transaction on my account and I can proceed with account closing. The representative also mentioned that the balance on the checking account will be mailed to me in the form of a check.

30-40 days after I successfully closed my account with US Bank and received balance amount by mail I received also a letter from US Bank stating that I owe US Bank {$92.00}.

The matter is customer service representative violated account closing policy by not verifying that there was a pending transaction. Instead, by verifying that there is a {$92.00} pending transaction I supposed have not been granted permission to close the account for up to 180 days according to the US Bank account policy and regulations till all pending credit or debit transactions are posted on my account.

Once I received the letter stating I owe {$92.00} to US Bank I called US Bank Recovery department at XXXX and paid the balance in full right away without disputing it. I thought I took care of the issue. However, on XXXX I applied for XXXX XXXX XXXX checking and savings accounts and was denied service based on the information on my XXXX report. 
I requested a copy of the report and I see that US Bank reported that I ABUSED my US Bank checking account on XX/XX/XXXX. I contacted US Bank Recovery department to get the explanation how and in what way i have ever abused my checking account. No explanation was provided. XXXX- representative, FAILED to confirm and explain I have ABUSED the account. 
Instead, they stated US Bank closed the account because the balance went negative - {$92.00} on XXXX. It does not make sense. Since I, as a consumer, requested to close my account sometime end of XX/XX/XXXX. 

The bank representatives do not treat me with fair practices. I was provided with US Bank Recovery department supervisor name and the phone number to resolve the issue. I have been calling XXXX twice a day during regular working hours for the last 5 days in a row and leaving XXXX ( supervisor - ext. XXXX ) voicemails every single time. I was not able to get hold of her and she never ever called me back after receiving of total 10 voice massages from me.
RE : CFPB Case XXXX - Need more information regarding current holder of purported debt, i.e. XXXX XXXX and Platinum Holdings. ( Need both companies please! ) The PDF letter from XXXX Will Not Open, I can not save it. I need another copy please! I need a contact name, address and phone number for XXXX XXXX from Platinum Holdings, and a file number so that I can investigate and obtain additional information to re-verify debt and proceed further. 

Information that I now have is " Incomplete '' and I request my Case number above be Reopened so that I can obtain information. 

Thank you! 
XXXX XXXX
Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, XXXX XXXX XXXX, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted XXXX XXXX XXXX directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that XXXX XXXX XXXX will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXXXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to XXXX XXXX XXXX XXXX - Email to XXXX XXXX XXXX
I applied for a card issued by American Express on XXXX/XXXX/15 and is what the AMERICAN EXPRESS BUSINESS PLATINUM CARD. I received a letter in the mail stating that the application was cancelled, every card card application I apply for with this creditor ends up being canceled not declined because I have excellent credit and they know it. They also single me out for every application in asking for a XXXX.
This company has sold the account and so they will start calling and harassing me. XXXX is out on the CCard company. Now they sent to a collection agency. They would not speak to me because I had filed harassment to this company. They would call startong at XXXX and not stop all day.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  I have never lived at this address, I been in Florida since  XXXX    XXXX  .
This was a secured credit card where i upload money to use. with unexpected fees some how i owe on a secured card and they reported this to my credit report. 

Can this error be remove from my report? I'm looking for a resident and this is affecting my move. 

Thank you
This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. There has been no known financial harm inflicted on me yet, but potentially all of my personal financial information has been compromised. This is completely ridiculous for a company that handles so many peoples personal information that can be used maliciously to ruin someones life. This is not even a service that I opted into. EquiFax has collected all of my personal information and then released it to bad actors because they were too cheap and irresponsible to hire professional security experts.
I mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. 

The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. 

I requested the inquiry to be removed from my credit report and they failed to do so.
Today, I heard from PM, a man named XXXX, ruthless, no apology, etc and anything that is negative. He called to tell me only that my loan was not going to vacated and went on to bring up about XXXX ' payment, which I indicated that they should receive it tomorrow. During the call, I made it very clear that this war with them was not over. This has been happening for 10 years and my voice was far from flattering. These people are venomous, savages, unprofessional, no sympathy and the only service they offer is ... .BLOOD ON THEIR HANDS AND THEY SPEAK WITH FORK TONGUE ... HATE THEM ... .... 

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive  another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees. 

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice. 

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of morons. 

XXXX XXXX XXXX XXXX XXXX   XXXX
On XX/XX/XXXX about XXXX I logged into my account to check the balance and was shocked to see that it was XXXX to XXXX dollars less than expected. I immediately went to my transaction history page and noticed a card to card transfer to an XXXX XXXX that occurred on XX/XX/XXXX at XXXX for XXXX , I don't know who this is, so XXXX called the customer service line for XXXX XXXX, and while I was going though the process of getting to a customer service rep, a second transaction for XXXX $ went through, the rep told me about it after confirming my account info that was at XXXX and the time stamp on the second transaction is XXXX, it takes longer than that to get thru the automated system and account verification process. I explained to the rep that I hadn't done that, didn't know this person, and had never even done a card to card transfer before, didn't know how. She transfered me to another rep who handled that type of problem. I went through the whole thing again with this lady she immediately canceled my card, told me to change my password on the account. I explained to her that when I send money I use XXXX XXXX or XXXX XXXX  and had no idea this was even possible. She asked me several questions like did I share my password or have it written down to which I said no not at all. Than she asked me if my phone had got lost or stolen, to which I explained that I had two phones and that as a matter of fact, one had come up missing two days before on XX/XX/XXXX during a move. I went online to find my phone and locked and erased the phone or so I thought. that phone number was XXXX XXXX, My main phone number is XXXX XXXX XXXX and that is the one I use primarily. She told me that she would file the necessary paper work and that I should write a letter of dispute and fax it to her, so that they could credit my account, which I did. My account wasn't credited and Than I received a letter say that they found no error and weren't going to give me my money back. I was the victim of a cyber theft, and they know were that money went it is traceable, so how can they just tell me they aren't going to do anything about this criminal activity. I want this XXXX to pay for stealing my money and I want my money back. You can see in my history no other transaction of this type, you can see where they charged me for a new card and shipping, and were I have used XXXX and XXXX XXXX to send money, cause that is the only way I knew how.
Fedloan has bestowed multiple acts of negligence which resulted in excessive charges to my student loan account. After my extensive efforts to motivate Fedloan to correct some of the unethical and illegal servicing practices they inflicted on my account, the balances on my student loan accounts with Fedloan decreased XX/XX/2016. Unfortunately, despite Fedloan 's obligation to inform me of any activity they place on my account, they chose not to inform me of the adjustments Fedloan made or provide me an explanation of these adjustments upon my many requests. I have contacted Fedloan via phone and email on multiple occasions requesting a written detailed explanation describing the amount each individual loan Fedloan services was adjusted, why it was adjusted, and how the amount they adjusted each loan was determined. Fedloan continues to refuse to provide this explanation detailing adjustments made on each individual loan. Additionally, the last account summary statement received XX/XX/2016 which is dated after the adjustments were made is inaccurate. I requested an accurate account summary statement XX/XX/2016 and again XX/XX/2016. Fedloan has failed to provide an accurate Account summary statement. I would like fedloan to stop violating my rights as a borrower and inform me in writing a detailed explanation of the amounts each of my loans were adjusted and why. and an accurate account summary statement.
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.
I applied online for the Citi Prestige credit card on XX/XX/2016 using a link on the Citi website that offered XXXX Thank You Points for spending {$3000.00} in the first 3 months after account opening. I was approved on XX/XX/2016. I was incentivized to apply because of the generous bonus offer and would not have applied otherwise. I spoke with a Citi Representative on XX/XX/2016 who confirmed my approval and the terms of the XXXX bonus offer. I have since satisfied the offer requirements, but have been awarded only XXXX Thank You Points. Citi now denies that there was ever a XXXX Thank You Points offer available on XX/XX/2016. This is a flat out lie. Although I can not provide evidence of the XXXX offer web page because Citi has since removed it, any XXXX search for such an offer will confirm that what I am asserting is true. In fact, the Citi XXXX point offer was available until XX/XX/2016. Citi engaged in bait and switch. It is unacceptable for Citi to continue to defraud its customers. I demand that I receive the points I am entitled to, the points that I was led by Citi to believe I would receive, and the points that incentivized me to acquire the card and complete the spending requirements to Citi 's benefit. I will not let this go.
Re : XXXX XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, XXXX would have notified me and I have no records of them doing that.
I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
XXXX XXXX XXXX ACCT XXXX ... was placed on my report only about 3 months ago. The account is listed as an original creditor in collection yet the account includes judgment fees attached to an original amount close to 5000 dollars.Experian has investigated twice and the response is " remains '' .The falloff date and date of first delinquency is erroneous, an example of re-ageing.I have attached a letter from the creditor dated XX/XX/XXXX which clearly states that the date of first delinquency is on or around XX/XX/XXXX, the date of agreement to make monthly payments where only one payment was made, then defaulted on the rest of them.That would make the date of first delinquency about 6 years prior to today.I also had attempted to fax this proof to Experian 2 days after having started the second investigation.In a follow up call the faxed in evidence could not be found, it was assumed to be in a " pile to be worked on '' yet the investigation concluded remains and the date of investigation did not change with receipt of the evidence, so it 's unknown what happened to the fax.