WillisBack/dataset-financial-user-claim huggingface dataset:
I order an item from Walmart.com and the item was never received by be or anyone in my household. I called the credit card company to tell them that my packaged was never received by me. but they believed Walmart since walmart shipped the packaged and have tracking number but it does not have any proof of delivery. I even went as far to file a police report but they told me I could not do that since nothing really was stolen from me .walmart is telling me I need a police report which the police wont give me. so that is the reason I try a dispute with my credit card company but they sited with Walmart. what a surprise. thank you
On XX/XX/18, I purchased four tires using an XXXX XXXX XXXX credit card from XXXX XXXX. The retailer, XXXX XXXX XXXX, was advertising a " {$100.00} Synchrony Car Car prepaid Visa card by mail '' if I used the Synchrony credit card. On XX/XX/18, I mailed in the application for the prepaid card. The application states to allow 6-8 weeks for the card and it has now been longer than that. I called the number on the  rebate form to inquire about the status. After 25 minutes, I was told I reached the wrong department in the rebate center and was transferred. After 30 more minutes on hold I was told the department I reached was just for General Motors and was transferred again. After another 30 minutes on hold I gave up.
I sent a dispute letter to the bureaus ( Experian, XXXX, and XXXX XXXX ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
Was completing a purchase on the XXXX XXXX website and it stated I was pre-approved for a credit card and could take 20 % off my purchase today. I clicked on the link which directed me to XXXX XXXX to complete a short application. I was approved for the XXXX XXXX VISA credit card and it stated to click the link to return to XXXX XXXX to complete the purchase and receive the offered discount for getting the card. The link did not work and provided an error message. I called XXXX who said they could not help or provide me the account number to complete the purchase and receive the discount that was offered that day for opening a card. They advised I would have to wait for the physical card to arrive in the mail then make the purchase and call them to get the 20 % discount. They sent me the card in the mail and I was was about to make the purchase and find out the card was shut down. I would have never opened the account if they had not offered the discount for applying during the checkout from XXXX XXXX and saying I was pre approved and it would all happen instantaneously. Now I have a hard pull on my credit bureau and also no discount for my purchase or a open credit card. They lured me with the pre approval and discount and did not follow through. I want the hard pull removed as they lured me to apply under false pretense.They are in breach of the initial contract which allowed for purchase and discount during checkout on a pre approved card that I was approved for and the link to complete the purchase did not work.
I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either one of them I paid {$150.00} for each bkpt the house XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM DISBARED. XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
I am not sure if my last request went through.I have been trying to get a loan modification from XXXX, Nationstar and now MR.Cooper. 
Was approved for a loan modification with XXXX but before I was granted a trial modification I was transferred to Nationstar. My hardship is a divorce after XXXX years of marriage.I have been trying to get a loan modification and I have tried at least 5 times. 
I have been at my job for over 25 years and I want to be able to stay in my home that my XXXX children live in and myself. 
My latest modification request came back as denied for '' Insufficient Monthly Payment Reduction. " -And I was told there are no other options for a loan modification.
A person by the name of XXXX XXXX from a company called XXXX has called my children personal cell phone ( do not know how she received that info ) and scaring them stating that your mother has been turned in to XXXX County and a warrant for her arrest. I then received a note from a Neice in a whole other state stating this same company and stated named person above called her about a complaint against me. My sisters and husband and myself have received this call. We asked for documentation and she lies and said I have been sent documentation, this is a lie I do not know her and not een sure of the debt she is speaking of. the only debt issue I have that is not in my current Credit Counseling file is one with a place called XXXX XXXX XXXX I am assuming this is a bad debt XXXX must have purchased and now harrassing my family and me. I have a file history for the XXXX XXXX and a XXXX  complaint I filed against them for how they tried to handle the issue with me which I thought was unfair. I am I guilt for getting the loan yes ... However, this does not give anyone a right to intentionally practice these unfair negotations. I have attached file from niece and number from daugther that was spoken to each of them. 

Note from Daugther : Hey mom there is a complaint pending against you in XXXX county ... here is the number to call XXXX XXXX Then in the attachment below her name was given to my Neice and My husband. 

I have also attached the original XXXX complaint I filed against the clients she claim she is representing.
I had a very old XXXX Credit  tradeline account that was charged off in which Portfolio Recovery Associates purchased in XX/XX/XXXX. In XX/XX/XXXX, one of the representatives called and continued to harass me regarding this particular debt. Advising they would be suing etc. I disregarded the calls and it showed up on my credit report. At the time it was reporting to the CRAs as a Factoring Company,  which is a violation of FCRA because they are actually debt collectors. Also, the representative lied to me and said if I settle this debt it would be removed from the CRA. At this time it's still on my XXXX report, because of the misleading tactics I settled thinking it would clear from my credit report. It was a lie. Also, on my credit report, it still shows under creditor classification is " unknown ''. I believe this a deceptive practice in order for me to collect on a bad debt that was well past the statute of limitation. I feel my customer rights were violated.
I have written a certified letter to Equifax. I included my birth certificate, a copy of my social security card and current driver 's license with home address and birthdate. 
I informed Equifax that I am not XXXX XXXX XXXX. I was born without a middle initial. 
No matter, Equifax sent a letter dated XX/XX/2016 claiming the info does not match their records. I 'm exhausted. I tried to resolve this matter and send the documentation to confirm. I 'm exasperated that it appears the attachments are being disregarded. I would appreciate assistance.
In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
These are student loans I have been repaying since I completed my XXXX in 2000. In the past six months, my income-based repayment plan was rejected ( even though I made the exact same amount as the previous year ) so after exhausting all options, we finally agreed over the phone to a graduated repayment plan over 12 years that would begin around {$150.00} per month, with incremental increases each year, until year 12 when the increase would be about {$500.00} per month. The last thing the customer service representative stated after agreeing to terms and conditions is Great Lakes does not service these types of repayments so my student loans would be sold. XXXX is now the holder of the loans and claims they have no record of the terms and conditions agreed upon between Great Lakes and myself. I have contacted Great Lakes requesting my customer service history and they stated they will only release those records through legal channels. I am seeking resolution by securing full and non-redacted access to my Great Lakes customer service history for the past 12 months.
On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All of the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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
I filed a dispute with Transunion and XXXX to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. Transunion has decided not to remove the account from my report and dispute with XXXX is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow.
The dispute reference number for the Tansunion dispute : XXXX
I have contacted credit reporting agency Equifax multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Equifax is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Balance is XXXX to different collection agencies. Was paying the hospital XXXX a month and they still sent me to collection I didn't know this and want to know where the money went that I was paying a month never received anything from the collectors cause I thought I was in good standing cause at least I was paying something towards it and now they are on my credit reports in collections. I don't think it's right since I was paying and they debt was only 4 months old before sending it to collections. Now I'm getting phone calls at all hours of the day everyday from collections
I went to the XXXX, XXXX branch of Chase on XXXX and XXXX. I was going to travel to XXXX XXXX for two to three weeks and wanted to pay a little extra on my credit card to a credit balance in case the bill ( s ) came in while I was out of state. I have done this in XXXX, XXXX and other chase banks in XXXX. I believe I had a {$50.00} balance due, and wanted to pay $ XXXX on the charge card account. I have XXXX charge cards with Chase. The drive through teller told me they would have to check with their manager, again I drew I believe XXXX XXXX XXXX, the asst mgr who informed me I could n't do it. I do n't know if he has a personal vendetta against me or not, but the only Chase person I 've ever had problems with is XXXX XXXX, other employees at this branch and the manager are nice, cordial and customer service oriented. He threatened me with the drive through teller listening that if I insisted he would either close my account, or recommend that it be closed. I do n't understand the problem, just put $ XXXX payment in the system. I could mail in XXXX checks for {$50.00} each or XXXX check for $ XXXX and they would take it automatically. I do n't appreciate this ongoing personal vendetta by XXXX XXXX against me, and had to write the CEO of Chase to get a response. The regional manager, I believe named XXXX (? ) who was cordial and professional, and I asked him if Chase does n't want my business, I will just take it to another bank or branch.
They are calling my work saying I owe money I do not. They are threatening legal action talking to co-workers and leaving messages on my work phone telling me to contact this other firm because I am going to go to jail. I asked him to stop and not threaten me and he said I do not tell him what to do. He then asked me to transfer him to my boss. They called my work 4 times in the matter of minutes.
I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
As of today X/XX/2017 equifax has updated 2 closed account without a 5 day notice and to make it worse they are not mine and need to be removed because it is effecting my credit! I have sent out notice before and they keep udating inaccurate i formation and not making aware of what they are doing. XXXX XXXX and XXXX XXXX XXXX and trust were closed because they werw not mine! I want valadation of these with my signature. Which will be none and then promptly delete.
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.
I have been paying on this loan for 2 years until I could no longer afford to do so. Interested continued to rise and I could no longer afford to make payments on this debt.
On XX/XX/XXXX, at around XXXX, I made four deposits using the ATM machine located at XXXX XXXX XXXX XXXX, XXXX , WA XXXX. My husband and my mother-in-law were with me. I deposited a total of {$11000.00} in cash ( in XXXX bills ). The money was brought by my mother-in-law from XXXX to pay for her expenses during her visits in the US. 

The four deposits were split into four transactions due to the cash deposit amount limit. The first deposit was {$3000.00}, the second {$3000.00}, the third {$2700.00}. However, for the fourth deposit of {$2300.00}, the ATM machine got stuck and swallowed my money without showing the amount I deposited. The ATM print out a receipt with a customer number ( XXXX ) for me to contact. I called that number immediately, and they say they will look into this situation. After 3 days, I saw my checking account was credited {$2300.00}, so I thought the issue was resolved, and I threw away the receipt. 

However, on XX/XX/XXXX, I got a mail from Chase saying they did not find the {$1700.00} and thus they reversed {$1700.00} credit that was placed on my account. I called Chase to re-investigate the issue, but after another week 's investigation, they said they still did not find the {$1700.00}.

This is shocking to me. I told Chase all the money I deposited were XXXX bills, the {$1700.00} seems very absurd. Could it be possible that the ATM machine spit out the money after we left and someone took it? I don't know how the ATM did the balancing of the ledger, but there is definitely something wrong. I don't know what's Chase 's investigation process. I requested to see the video footage of that night when I made the deposit, but Chase declined it. The video might prove that we did deposit a big stack of cash, or show somebody else took the money. I don't know what to do. Please help. 

I attached the bank withdrawal transactions from my mother-in-law 's XXXX 's account. She made a total withdrawl of {$14000.00}, but she just brought to the U.S. {$11000.00}. 

Thank you.
PNC MORTGAGE CO PHONE  XXXX   XXXX   XXXX  DECEASED  XXXX  I AM HIS DAUGHTER AND LEGAL OWNER OF THIS PROPERTY ALL LEGAL DOCUMENTATION HAS BEEN PROVIDED FROM   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX  )  XXXX  PNC NEVER WANTED TO REFINANCE THEY JUST COMPLICATED EVERYTHING BY JUST PUTTING ESTATE OF AND MY NAME WAS ADDED TO NOTHING ON PAPER SO IT COMPLICATED INSURANCE AS WELL. I DECIDED TO JUST REFINANCE WITH ANOTHER COMPANY AND GET EVERYTHING STRAIGHTENED OUT OF THIS MESS.I PAID  PNC  {$20.00} FOR THE CORRECT PAYOFF IT WASNT  FREE.FIRST RATE  PAID THEM BY THE DATE OF PAYOFF REQUESTED AND IT WAS {$800.00} OVER.  PNC S ENT ( MY ) REFUND CHECK MADE OUT TO THE ESTATE OF INSTEAD OF ME THE LEGAL LIVING OWNER WHO BORROWED THE MONEY TO PAY THEM OFF.I CALLED  XXXX / XXXX /  XXXX   AND THE CUSTOMER SERVICE REP TOLD ME IF I CANT DEAL WITH THE CHECK IT WILL GO TO MY STATE . HOW HELPFUL!!!! I  CALLED  XXXX / XXXX /  XXXX   AND ASKED FOR  A MANAGER AND WAS TOLD ONE W ILL CALL ME BACK IN  24 TO 48 HO URS UNACCEPTABLE!!!! MY ISSUE IS I PAID AN ATTORNEY AND WENT THROUGH ALL THE PROPER CHANNELS AN D PNC SHO ULD NOT PLAY GAMES WITH MY REFUND CHECK AND I WANT MY CHECK SENT TO ME IN MY NAME.
I had a payment plan on medical bills owed starting XXXX they stated they have several other accounts linked to me for a total of little over {$3200.00}. I at that time set up payment plan on the account to pay {$150.00} every 2 weeks on Debit card which started in XXXX & continued thru XXXX in which my card had expired I then called & spoke to XXXX asked for my balance @ the time & my balance had increased to a little over {$3400.00}, I asked how it increased paying {$300.00} a months she said the intrest is 1 % per account & I have XXXX accounts with them, I advised her I did not have XXXX accounts @ that time I advised I was willing to make payment arrangements but I want a individualized billing if charging fee 1 % per account she refused I asked for manager she refused sd XXXX was not availabe asked for a mgr to call me back I never received a call back I also never received individual billing either I on XXXX received a notice that if I do not arange payment they will forward to litigation, on XX/XX/XXXX I called spoke with XXXX XXXX I asked for exact date of speaking with prior rep XXXX on the account in XXXX or XXXX she said no record of speaking to me around that XXXX & nothing for conversation she completly disregarded my questions & concerns & advised me now that my balance is {$3500.00} I again tried to advise XXXX XXXX of my concerns she refused individual billing that is not how they do things thier I advised to speak to mgr I spoke to XXXX XXXX who stated was a manager I again asked for individual billing advised her they are linking incorrect & over charging she to refused to listed to what I was trying to explain to her & said that I was cutting her off from answering my questions said they ony submit XXXX bill with a list of providers & intrest is billed per account. I again advised her willing to make payments on the account when I get a individual billing for each account they state they have in their office she refused she stated I was over talking her so she could not answer my questions she said is forwarding to littigation they cant wait forever for payment on account.I have been denied a individual billing of accounts they state they have listed in their office ( that come over individually ) even after I had been paying them {$300.00} plus a month my debt the state I owe increased not decreased