WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I made a purchase from XXXX XXXX XXXX ( seller ) in the amount of {$2800.00}. I paid via XXXX with my debit card ending in XXXX which is linked to my Citi checking account. XXXX XXXX ( seller ) said it'll take a few weeks to ship my turbo chargers. Timeline : On XX/XX/XXXX I followed up with the seller and I was given a ship date of XX/XX/XXXX. 
On XX/XX/XXXX I asked the seller for tracking info and 2 days later the seller replied that units were not available and that he will upgrade the turbo chargers due to the inconvenience/delay. 
On XXXX XXXX the seller sent me a mock shell so I can get ahead and keep working on my project. 
On XX/XX/XXXX I inquired about the order again and received a reply from XXXX/seller 2 days later saying that it will be the XXXX of XXXX before they could ship. At this point seller offered a refund which I accepted. Seller requested the mock units back before refund was issued. On XX/XX/XXXX I sent the mock units back to the seller via XXXX tracking # XXXX. Mock units were received by the seller and my refund of {$2800.00} was never received. I tried contacting the seller a few times an didnt receive an answer. I tried opening a dispute through XXXX and it was out of the timeframe so I was told to open the claim directly with my bank. 
I opened my dispute with citi bank on XX/XX/XXXX, the reference number they gave me was XXXX. I was asked to fax all documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that they never received the fax. I was very frustrated and went to my nearest branch and submitted copies of all the documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that Citi bank received my documents and they were speaking with XXXX XXXX to resolve my issue. 
Called back on XX/XX/XXXX and they were still processing the claim, to call back. 
On XX/XX/XXXX I called to follow up and I was told that the claim was denied. Customer service rep was unable to provide a reason. I was asked to re-submit all the paperwork to the same fax number I originally used XXXX. 
It is very frustrating, Citi bank denies my dispute without any notification. I never received a letter in the mail saying that they received my dispute or to tell me that my claim was denied. They cant even give me a reason why the claim was denied. This is not how you treat long term customers. I hope you can help me get a straight answer from Citi I opened my dispute back on XX/XX/XXXX and waited more than 3 months for them to tell me that my dispute was denied without a reason. How do I know if someone even reviewed my dispute? Please help. Thank you for your time.
XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago. 
I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.
Why is n't Diversified Consultant providing me with the information I am requesting? I am being sent instructions to fill out fraud statements but that is not my concern. If this is really my account, I need to see the supporting documentation that proves this is a debt I truly owe. I filed a dispute on  XXXX / XXXX /  XXXX   and I got the same exact answer I have been getting for months : " Fill out the attached fraud packet and mail it back to us. '' Neither I nor the CFPB have been provided with the information to support this is a valid debt. I specifically requested that validation of the debt be uploaded to this portal so the CFPB can conduct a closer investigation but once again, they are claiming to have " mailed '' it to my address. I have not receive a single document from this company and they continue to report this to my credit without being able to prove it is a valid debt. Not only that, in their letter they address me as " him ''. I am not a man, I am a woman and this is just another example of the scam this company is trying to play on me.
Equifax previously stated the inquiries listed on my credit report could not be deleted, however, on XX/XX/2017 all inquiries were deleted except one. Upon checking my credit report today XX/XX/2017, the inquiries were reinserted to my credit report without any notice.
For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.
This is the second complaint with CFPB an d Trident.  My first complaint was  XXXX .  Trident  responded with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Section  609! I have the right to request and receive " the name of the person under which such  person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request.  If Trident Assest can not provide this, I want this account removed from my credit report immediately.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I opened a walmart Wal-Mart store credit card XXXX XXXX. They decided to change my card on XX/XX/XXXX to a Wal-Mart MasterCard. I checked my credit report and it is showing up as a new account. I never gave walmart permission to do another hard inquiry on my credit.So my credit score dropped a few points. I never knew it was legal to rerun credit without permission. I never asked them for a credit limit increase or anything. It shows that this is a new account and it is not. I tried contacting Wal-Mart earlier today and it would have been more effective to talk to a brick wall The attached files are just an example of one of my credit reports. I don't think i need to upload all three for them to understand why i am not happy
I submitted a dispute regarding which I thought XXXX  XXXX was reporting the wrong First Reported Date which should be XX/XX/XXXX. It was showing XX/XX/XXXX. The dispute results were emailed to me by Experian which XXXX XXXX reported Before : XX/XX/XXXX and and After : XX/XX/XXXX when reviewed results but Experian didn't change the date. 

I called and spoke with a representative to see if the date was changed and she told me no it was still XX/XX/XXXX even after I talked to her about what XXXX XXXX reported. I asked her to send me a new report. 

I received the credit report today dated XX/XX/XXXX and now it's reporting XX/XX/XXXX for First Reported Date without any dispute or change. 

I received a credit report from Experian dated XX/XX/XXXX, which were Dispute Results. I didn't realize until today XX/XX/XXXX that Experian had put somebody else 's information on my report which is probably the XX/XX/XXXX date. They disputed my account and the other persons account that didn't belong on my credit report. 

I called Experian and was transferred to someone else in another department. I told her about the problem and she was unable to look up the dispute results dated XX/XX/XXXX. She told that the current report is correct. 

Someone went into my free membership because of my phone call XX/XX/XXXX and changed the information which no longer showed XXXX XXXX 's response. When I go in to review the report dated XX/XX/XXXX it now shows it was generated XX/XX/XXXX. 

Please explain to me on Dispute Results dated XX/XX/XXXX and I click on View Report and it goes to a XXXX XXXX Dispute. I know why, because someone changed the Dispute Results on XX/XX/XXXX. 

Experian keeps telling me they update 3 times a day. On my student loan they told me it takes 30-45 days to report. Now I have to dispute it each month to get the correct amount. 

Not only have I had ongoing problems with Experian reporting correctly, my son had to file a report where the amount was incorrect and he went to dispute it and it showed the correct amount that was reported by the other two credit bureaus. 

Please explain to me how a dispute that you didn't change the date for XXXX XXXX on XX/XX/XXXX which shows XX/XX/XXXX and then changes to XX/XX/XXXX on XX/XX/XXXX with no dispute. You are randomly changing credit report information which is illegal. 

One of your reps told me it doesn't matter what Date it was First Reported. Well it matters to me. 

I want my credit report First Reported date put back to XX/XX/XXXX, for XXXX  XXXX or I'm going to the Federal Trade Commission. 

I am tired of you inability to report information correctly and in a timely manner. I shouldn't have to dispute anything if you did your job correctly. 

Your customer service reps try to explain things away so you won't do anything or try and give you an excuse. They just don't care. 

I'm uploading some information to show how your employees change information when you try talking to them to try and fix it which they don't want to. I am uploading Dispute Result information from XXXX dated XX/XX/XXXX that the date was never changed to show what your company is doing to people.
XXXX XXXX and XXXX XXXX XXXX in XXXX, Texas committed fraud when they sold me a XX/XX/XXXX XXXX XXXX XXXX XXXX Blue Tec that had open recalls and one being for the XXXX XXXX XXXX and the XXXX XXXX being the first and most severe in the order of repairing when a repair becomes available. We purchased the SUV on XX/XX/XXXX and our contracts were also backdated, our vehicle was in the shop 7 out of 8 weeks of ownership. I immediately notified XXXX XXXX who told me do not make a payment we are putting this in review. Our serpentine belt broke while in route to my mother in-laws house traveling at XXXX mph no steering with my wife and XXXX of our XXXX children, stranded in the country. We had only owned the car for three days so we called XXXX XXXX who then instructed us to have the SUV towed to them at our own expense so we did. Three weeks later the car I still not working and it was transferred to a mom and pops automotive repair shop only to be transferred back to XXXX XXXX for a brake job. I had XXXX XXXX so my wife goes to pick up her SUV and calls me in hysterics saying she had no brakes, you see the brakes were needing to be done and before purchase XXXX XXXX agreed, my wife went back to the dealership crying with me on the phone and they forced her to drive the SUV with no brakes one hour home to XXXX keep in mind they were informed about the XXXX XXXX XXXX in essence they were attempting to murder and mame my wife. My wife complied and later we found out about the recall only for our Serpentine to re-brake the following day, so it had to be returned again. Then two weeks later we go get the car, keep in mind we called XXXX XXXX Weekly with updates only to be directed to not make payments it was in review, not even 12 hours after receiving our broken car XXXX XXXX has our SUV repossessed at XXXX XXXX leaving me stranded with XXXX kids no way to school. XXXX XXXX XXXX and XXXX XXXX   both need to be held accountable.
I went thru a bankruptcy in the XX/XX/XXXX and at that time I had a car loan with GMAC who switched it over to Ally Bank shortly before that. Once we went into Bankruptcy we stopped getting statements and they shut my internet account access out so I could not track or even see any information in reference to our loan. We continued to make our regular automatic payments thru our bank. So, I got a call in XXXX out of the blue from Ally Bank stating I am behind on payments? I was confused and asked for a statement of my account so I could check on this and all they sent me was a payment run of all the payments since XX/XX/XXXX. No balance, no payoff amount listed, no late fees, nothing, just the listing of all the payments and dates the payments we made? So, I contacted Ally Bank back to discuss the balance and the payoff and they said I missed a payment at some point in the loan. Now keep in mind I have no idea when that could have been considering that I have n't had a statement XX/XX/XXXX and I was never notified in writing of any issues period! They said my payoff was almost {$400.00} more then what my calculated balance should be and they said OH there is late fees and compounded interest that I was being charged that makes up the difference. I told them at that point I was never notified in writing about any of this and asked them to send me a detailed statement showing all the extra money and fees they are trying to charge me and I never received anything??? I figured they realized they were wrong and had nothing to send. I tried calling them again but this was such a hassle because my husband is the primary borrower they needed his permission to speak with me every time I had to call because I handle all the financials. Now my husband XXXX who works nights and I work full time days and we are like two ships in the night passing by so coordinating these phone calls were nearly impossible and they would not talk to me otherwise! So, I honestly thought it was the reps on the phone mistake because they did not contact me again after that. Today I calculated all of our payments and I show we owe {$130.00} left on a {$31000.00} loan but the Ally rep on the phone said our balance is {$520.00} and this is {$390.00} more than what I should owe and she stated that we owe {$250.00} in late fees! And the other amount {$130.00} is interest on these fees!! How and why should I be responsible for any of these extra fees if we were never notified?! Because I would have taken care of anything back when they say this happened if I was notified and I would have avoided these fees! Just for the record the bankruptcy was not a personal bankruptcy is was a business bankruptcy and I continued to pay my bills as well as the business bills from our personal funds and we made good on my car and my house! How can they charge me fees for years and never notify us??!!
I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance. 

It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.
About six months ago, a remark was placed on my credit report that my mortgage was under a non-govt loan modification. My loan is not under a modification. The confusion seems to be that back in XX/XX/XXXX I was offered an interest-only loan modification provided by the mortage company, NationStar, which I accepted. This modification was for a period beginning XX/XX/XXXX and ending XX/XX/XXXX. No further modifications have been applied for or granted on this loan. My dispute is that the remark that my loan is under a non-govt loan modification is a false statement and fraudulent credit reporting. I have no dispute with the reporting of payment history. This is my only dispute with them is the remark placed on my account six months ago for an event that begin 8 years ago and ended more than 6 years ago.
I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX    XXXX  . I am not responsible for this debt with Portfolio Recovery.
I have submitted letters in XX/XX/2017, XX/XX/2017, XX/XX/2017 .... These companies still have fraudulent information on my credit report.
XXXX This number has been calling me every few days and claim to be " portfolio recovery '' debt collectors. Every time I answer they ask for my name and then say the must have the wrong number and will fix it. They continue to call. The only information I give them is my name and they can see it associated with the number I call in on. When I asked who they were trying to reach at this number they were non-responsive. When I called back and threatened to report them they said they were looking for " XXXX '' and said they will remove my number from her file. They were very rude throughout the process.
My credit report shows an old XXXX XXXX account # XXXX that was opened on XX/XX/XXXX with 30/60/90/120 late months after never having missed a single payment. I had a  flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XX/XX/XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XX/XX/XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XX/XX/XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
I have three mortgages with PennyMac. I paid XX/XX/2018 mortgages through a bill pay service. One check was issued for all three mortgages. PennyMac held the check for several weeks and then posted to one account. I was made aware of this when I started getting robo calls regarding my two unpaid accounts. THREE times now I have called in to correct the problem. Yes, THREE times. I have to hold while they investigate, confirm my previous calls and then continue to hold while they make notes to repost the payments. Now one of my accounts is 30 days late. Enough. It shouldn't have happened in the first place, but after three attempts and my time and frustration and now that it is affecting my credit, it is time to take action.
On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
I received my annual credit report online from Experian. I was able to look at it on Wed. XXXX XXXX, 2018. I tried to view it again later on Wed. XX/XX/XXXX and again on Thursday, XXXX XXXX. I was unable to find a way to put in my report number to view it again. Eventually through their help I was able to find a link to view the report but the link would not work and gave me a message that said : we are updating our server and this information is not available. I have tried this for 2 days. They also gave a phone number to call : XXXX XXXX but when I call I can not reach anyone to speak with and the prompts do not answer my question. 

I tried the phone number given to me by your consumer finance rep : XXXX XXXX and had the same issue. 

Experian must have a phone number for customer questions but apparently they don't want to answer any. 

I also tried 2 other numbers I found on the internet - they did not work either. 

The only way I can see to receive my report is to become a member and that costs XXXX a month-something I do not want to do. 

Even an email address would be helpful. 

I believe Experian needs to be made to provide some live contact for its customers.
I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account thank you. 
XXXX XXXX
XXXX of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.
Pendrick Capital has been attempting to collect on an erroneous medical debt for at least a year now, despite multiple disputes to various bureaus and collection companies. Each time I dispute the debt, the account is deleted by the collection company only to be replaced by another. I reached out to Pendrick directly in XXXX 2017 and have received NO response. The collection merry-go-round continues and my credit suffers. This debt is NOT valid. I have medical insurance that should have covered the cost of this visit and have yet to see any verification of the debt to suggest otherwise
I have a Paypal account where I have funds. Suddenly, Paypal sent a notice that my account is limited and that I can not withdraw my own funds.