WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

Equifax has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part.
The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them, and then subsequently emailed them a copy of the canceled check. On XXXX XXXX, XXXX they company assured me by email that they had removed the late fees, and had corrected my credit file. In XXXX, I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that, which they did. 
My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX, to ask then to fix the issue, and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days, however this issue has been much longer.
XXXX County Tax collector returned my {$1600.00} to Sun Trust Bank in XXXX, FL on XX/XX/XXXX, electronically, to be returned for credit to my XXXX XXXX XXXX XXXX   account, by the same means they received it that same day. Sun Trust Bank sat on the funds for four days before sending it back to my account electronically on XX/XX/XXXX via XXXX. 
XXXX has not yet put the funds back into my XXXX XXXX XXXX XXXX account. 

( Due to my week long investigations, I have learned that XXXX XXXX XXXX uses their own software to send funds over XXXX. If this is true, Sun Trust may have used the regular XXXX  channel instead of the XXXX XXXX XXXX channel they received them on, and the funds are in limbo due to Sun Trust mishandling of them. )
I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE AND WAS DENIED DUE TO PER OCWEN MY INVESTOR DOES NOT ALLOW FOR MODIFICATIONS. MY INVESTOR IS XXXX XXXX WHICH AFTER RESEARCHING I FOUND THAT THEY DO COMPLETE MODIFICATIONS. I AM NOT SURE WHAT GAMES OCWEN IS PLAYING BUT I WILL NOT BE A VICTIM TO FINANCIAL BULLIES. I EVEN HAD TO ASK FOR HELP IN XX/XX/2010 WHICH I RECEIVED FROM MY INVESTOR THEN, SO FOR OCWEN TO STATE THAT MY INVESTOR DOESNT SUPPLY HARDSHIP ASSISTANCE IS WRONG. 

I NEED MY FILE TO BE REOPENED AND REVIEWED ACCURATELY.
One main financial 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
Old Case # XXXX No one can validate this XXXX XXXX account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
I took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.
Debt was disputed and removed by credit bureaus in XX/XX/XXXX and then sold to Amsher and it was back on my credit report XX/XX/XXXX. I have disputed with them, the amount is incorrect. They report that the debt is verified, I spoke with t-mobile agent and she did NOT verify the XXXX amount that Amsher has as collection amount. There should be no debt in the first place, due to the fact it was a month to month plan and the last month was paid, but sent to collection 3 months later. It does not show on my credit report that this debt is disputed.
My wife received a check in the mail for work on a job she arranged online. The instructions were to use part of the money received to pay a third party for their work. She deposited the check with our Chase account on Wednesday, XXXX XXXX. Almost immediately after depositing the check the person who sent it starting contacting my wife insisting she pay the third party even though his check had not yet cleared. The whole thing seemed extremely fishy so my wife called the bank on Friday the XXXX to report that she thought it might have been a scam. The bank researched the check and found it was fraudulent. 

At this point they Chase immediately froze our account. They did n't just freeze the funds from the deposited check but absolutely all our money on the spot. My wife went into the bank with all correspondence from the person who sent the check as well as all evidence that we were being scammed. We were informed that they account was electronically locked and that they could not do anything about it for XXXX to 5 business days. They offered a one time exception to take some of our money out of the account. As we were told it would only be a few days we took XXXX $ out. On Monday we called a number they had given us to check to see if the account was unlocked. They told us it would take XXXX to 7 business days. I went back into the bank the next day to try and get more money out. After an extremely long wait they told me that the bank flagged our account for closure and after XXXX to 10 business days they would mail us the remaining balance of our account. We were told it was an Escrow check so we should have known something was wrong. I informed them that I did n't know what that meant and it was not common knowledge at all. 

We had been with Chase for several years and not once had an issue of depositing a bad check. They froze all the money we had for food, bills, ect that had nothing to do with the bad check and made it unavailable for close to two weeks and slowly mailed it to us.
Over the past year I have been using TD BANK locations around XXXX, XXXX. I used the account solely for convenience and to cash 1 check per week. I paid the mo thy fees for low balances ( {$15.00} checking/ {$4.00} savings/ as well as {$3.00} ON TOP OF fees already charges by out of network ATMS ). 

I was always careful to keep the balance positive. The few times it went negative ( less than {$10.00} ) I quickly deposited/transferred money within hours and almost always had the account positive by business days close. This incurred repeated {$35.00} fees. 

During the last week before closing my accounts ( final week of XXXX 2017 ) I also had an atm eat {$20.00} of a {$600.00} deposit, to which the tellers directed me to an outside company. I was reimbursed the misplaced {$20.00} after I initiated a review of the atm and it was found to have excess money in it. 

I went in that week to close both account where I signed paperwork in person and was told the branch manager would personally close the accounts in about 2 business days. 

When I checked a week later the savings account was still open. When I called to ask what the hold up was the operator said they did not see the account set to close. I then had to reinitaiate the closing process by phone even though I had signed physical paperwork at a branch to do so the week before. 

I did not complain about the $ XXXX/mth fees I paid to have accounts and deposit my one small check a week. I did not complain about the {$1.00} charged for every bill I wanted to pay from the accounts. I did not complain about the {$6.00} ( {$3.00} TDBANK charge ) combined atm fee for using outside ATMs. I started complaining about the {$35.00} fees for being overdrawn by {$7.00} for 2 hours. The final straw was having an atm steak money from me and be told it was not the banks responsibility and be directed to an outside vendor. 

This all culminated in the closed accounts, which I signed in person, not being acted on and remaining open. Which inevitably would have ended in more fees and more overdrafts ( since the bank told me not to deposit money as this would reopen the account ). Enoughbis enough.
Repeated phone calls regarding my mother 's debt. Today, XX/XX/XXXX, at approximately XXXX MST, an unauthorized charge of {$590.00} was issued to my account to cover part of her debt. When called a reversal was refused.
I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX of Colorado is currently garnishing my wages over a credit card that was paid off in full in XXXX of XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.
Received notification from XXXX XXXX XXXX that I owed a debt previously owned by XXXXXXXX XXXX that I believed to have been settled ( believe account was settled for approx. {$900.00} payments reflected on old bank statements ). I sent a certified letter to the address on the notification asking for an account statement or complete history reflecting name, last four digits of the account number at the time of charge-off and the charge off balance or claimed balance including any post charge off payments. As well as other information such as transaction history and evidence of the transfer of ownership. The reason I asked post charge off payments because this company falsely reported payments to lengthen or reactivate debt. I never received the requested information but was served a summons. Even the exhibits that are attached to the summons do not include the alleged payments I was supposed to have made. Exhibits shows two statements. One from XX/XX/XXXX showing payments I did in fact make ( shows on my bank statements ) and another from XX/XX/XXXX showing no payments. Company falsely reported I made payments on this account in XX/XX/XXXX after they supposedly acquired account in XX/XX/XXXX. Also sent someone to my house to photograph my property.
I mailed Synchrony Bank / XXXX XXXX XXXX an FTC Identity Theft Report on XX/XX/2018 and received a letter back from them denying my fraud claim due to " Customer benefited from use of card/participated in the purchases ''. I did not make any purchases from Synchrony XXXX XXXX XXXX XXXX. Why haven't I received a detailed investigation? I received one single sheet of paper denying my fraud claim without a proper investigation. 
An address was listed on this account that has not or ever been my home address. I am demanding a proper investigation and demand a detailed investigation be mailed to me.
I have had many problems with this company. XXXX XXXX sends me letters stating they are lowering my account balance due to my credit score being low. But my credit score was increasing at the time of them lowering it. This time they closed my account due to inactivity because I havent used my card in two months. They stated they can not reopen nor will they reopen and that its my problem. They have very poor customer service no matter who you talk to or how far up the chain you go. I have been hung up on for asking to speak to someone higher up.
Firstly, I never received any notice of this debt. I did not receive a phone call, nor did I receive any written notice. This debt went directly onto my credit report with ZERO form of notice. Which makes this scenario twenty times worse is that I do not owe this debt.
PNC bank purchased the servicing of my mortgage. They started off by giving me the wrong account number and my payments were held in a suspense account. They knew they had received them but did not correct it until they told me I was past due. At this point they then said it was my obligation to tell them how to apply the payments no that 's why they left them in the suspense account rather than applying them to my account. Now I assume I am on some sort of deadbeat list because they call me at home telling me my current payment is past due on the 3rd of the month. I use bill pay to send my payments automatically on the 1st of each month. It is not past due until the 15th. Needless to say, this is not only annoying but also creates much stress when my wife receives the call. I have XXXX mortgages that I send on the first of the month but only PNC aggressively calls me on the XXXX
American Express customer service representatives failed to resolve a simple issue even after 6+ hours on the phone, and talking with 10 individuals. Each call lasted 1-1.5 hours with an average of 4 individuals, with each call claiming to have resolved the issue. They would place me on hold and leave me with a new customer service representative with no warning, transfer me to departments that were unrelated to the issue at hand, and would place me on hold for 20-30 mins without warning. I 'm not an angry person, I did not yell or otherwise get verbally short with the representatives ; rather, it was clear they did n't want to manage my request ( re-issuing a billing statement ). Not only was American Express difficult to reach, they were incapable of quickly and responsibly addressing my concerns. To date, it is still not resolved.
I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change.
Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX and XXXX  sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three  bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file
They called twice to serve me with legal papers unless i contacted them. They want more than what the loan was for and if it was n't paid they would take " action against me ''. 
The deadline came and went nothing happens.
Fair Collections and Outsourcing INC. has committed several violations of FCRA. 
They are trying to collect the wrong amount. 
They have sent a misleading illegible fraudulent receipt in response to my validation request sent certified mail. 
Their billing statement does not include the required criteria by FCRA. 
They have continued to report during dispute several times. 
They continue to duplicate report. 
They have been verbally abusive. 
They have stated in letters that they have conducted investigation without my request and have not provided said investigation information. 
Continues to threaten via letters to report to credit bureau. 
Did not send valid bill 5 days after i contacted them XX/XX/2016 as required by FCRA. 
Has purchased a fraudulent account in my opinion not only for the wrong amount but original creditor XXXX XXXX never validated debt or answered to illegal eviction charges complaints, instead just sold account. 
FCO refuses to produce legible and itemized statements validating debt. 
Billing statement contain many misleading entries, non abiding by FCRA requirements Bullying by FCO agents via phone calls and when i have called them to resolve account I 'm positive there are other violations I'am unaware of as well in there collection practices FCO has people listed on account that have nothing to do with our debt FCO lists wrong and incorrect account info and refuses to correct
I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked Transunion to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.
My wages were garnished by XXXX XXXX representing XXXX XXXX in XX/XX/XXXX and then in XX/XX/XXXX for over {$2000.00}. I was improperly served at a location I never resided, therefore had no knowledge of the original court date. Once I researched my rights concerning the wage garnishment, I filed a small claims lawsuit in XXXX County Court in XX/XX/XXXX, where the garnishment was stopped and the debtor was ordered to reimburse me within 30 days with all of the funds that were garnished. In XX/XX/XXXX, I sent a notice to the debtor via return receipt, requesting the monies owed but have n't received anything. I also provided them with an updated mailing address and phone number but have not been contacted.
XX/XX/2018 I filed a credit card billing dispute under XXXX reason code XXXX for a charge from XXXX on my Capital One Credit Card. The cause for this chargeback was due to XXXX refusing to accept a return. The item I attempted to return was within the allowed return time limit provided on the original sales receipt and was verified as being returnable pre and post-sale. XXXX XXXX provided no reasoning, only a return refusal receipt. Thus in accordance with XXXX 's Merchant operating rules the chargeback was valid. 

I filed the necessary paperwork with Capital One who initiated the dispute with XXXX XXXX. On XX/XX/XXXX XXXX XXXX responded to capital One Requesting proof I attempted to return the item. Upon initially submitting my dispute I provided the return refusal transaction ID number to capital one. However, I called in again and spoke with a dispute specialist who requested a copy of the receipt. The agent said I would receive a secure link to upload the documents, which despite my many phone calls requesting the link I did not receive for another month. At this time Capital One informed me the timeframe had passed but if I wanted I could resubmit the documents and request the dispute be reopened. Which I did immediately. I provided a detailed written description of the events, the original sales receipt, the return refusal receipt, a written statement from XXXX stating the item was indeed returnable as well as made a conference call with Captial One to XXXX XXXX who validated the item as being returnable to Capital One. I resubmitted this paperwork In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Yet while Capital One continued informing me the investigation was still underway on this disrupted item they actually made no attempts to submit the documentation to XXXX. 

I continued calling in, as I noticed I had begun being charged interest on this disputed item at which time I was told it would be corrected once the dispute was finalized. As this was the only charge on my account I was then charged a late fee, which was subsequently credited back, then my account began to be reported as delinquent by capital one despite the entire balance still being under dispute in violation of several consumer protection laws. I have made many calls trying to resolve this and each time Capital One tells me the timeframe to file the dispute has passed. It no longer mattered to them that they informed me in writting and over the phone that the charge was under dispute. THey have refused to process the billing dispute as required, and have been holding me liable for the only charge on this account, reporting my account as being delinquent when it's been under dispute. They refuse to make any correction or take any responsibility. After hours on each phone call I finally get to a supervisor who says they dont ' have the authority to make any such changes and will have to request a call back be made which I never receive.
I have a loan with OCWEN XXXX, and I want to file a complaint against them because they are continually charging me fees for late payments I had last year. I was late on my payments up until XXXX of 2014 and they charged {$15.00} to drive by the house as well as certified mail charges. I got paid up in XXXX and have not been late since, however periodically I am getting more certified charges added to my bill and I do not believe that it is correct, I have kept all paperwork from them, which they are justifying their charges but I do not believe are correct. I want this to stop, and ca n't get anything done with them