WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased XXXX flat irons from a mall kiosk on XXXX XXXX, 2016 at XXXX for {$270.00}. XXXX for me and XXXX for my daughter. After spending an hour at the kiosk while the lady selling the product used the demo to straighten my daughters hair as well as mine, I decided to buy them. The demo iron she used worked wonderfully on our hair. She even pointed out how it steamed and it was taking the moisture out of the hair therefore not causing damage. It was supposed to make the hair healthier and not damage it like other irons. I was hesitant at first, but she kept lowering the price and telling me she would give me a GREAT deal. Since the demonstration worked so well I went ahead and purchased the irons. I got home and the next day I washed my hair and used the iron and right away noticed it was nothing close to the one she was using for the demo in the mall. There was no steam and it did n't straighten my hair as fast as the one she used. I went back to the mall and tried to return the products to the merchant and they told me they only would exchange the product for a different one and there were no refunds. Before I bought the irons the return policy was not stated nor was it posted. It was only printed at the bottom of the receipt AFTER I had already purchased it. Red flag right there because most places that sell products will back them up with a guarantee. I explained that I did not want another product that did n't work as advertised. I told the merchant I would be starting a dispute with my bank and gave them another chance to refund my money and let me give the products back. I called my bank immediately and wanted to start a dispute. I waited the time period they told me to before they could start the dispute. They temporarily put the credit back into my account while they investigated. As a consumer it states that if you feel a product is n't the quality that was advertised you have the right to dispute. And this was the case here. I continued using th iron and it started making my hair break off. The lady also claimed the plates were ceramic and would n't break but after about a week, one of the plates actually broke in half. I stopped using it and went back to using my old one because I could n't afford for my hair to be any more damaged. I received a message that the dispute was closed from Chase and they said that the merchant said they already gave me the products and they only accept exchanges. I called chase to ask if there was anything else I could do because all I want is to return the products and get my money back because I am now left XXXX $ Short and with XXXX products I ca n't use because of the quality of the items not being what I thought I was buying. I would like to see Chase help their customer out by helping me as a consumer who was wronged by a merchant. If I would have used a major credit card I feel I would have more backing as a consumer. I used my bank card as a credit card so I should have the same rights.
Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.
I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX
I was scammed by a person named XXXX XXXX who was working at a XXXX XXXX store in XXXX XXXX Florida on or about XXXX of 2013. He promised to provide me with home wireless phone service and wireless internet service. He asked if I had a home security system and I told him yes.He gave me a box with the system. I gave him over {$400.00} total. The system did not work. I was without phone service for about 3 weeks. After contacting him many times I learned this system would not work with my wireless security system. He came to my house and messed with my security system and XXXX XXXX XXXX phone box and took a picture of my XXXX form that was laying on my desk. I returned all equipment and received a receipt. I had NO service at all from this source. He did not refund my money. I have gotten a bill for {$480.00} from XXXX. I have talked to XXXX representatives 3 times and told the account with XXXX would be closed or did not exist. Now I find that an account has been reported to a collection agency and listed as deliquent account with at least Experion. This was a fraudulent transaction from the start as I am sure this person knew his service would not work with my security system. He scammed me out of several hundred $ and is now trying to get more. I will make a report to the local sheriff office and I have again contacted XXXX who said they would investigate again. Meanwhile the false report is still on my credit report. I am a XXXX XXXX XXXX XXXX woman who has no one else to depend on.I do have documents to support the money I gave this person and XXXX can verify the lenght of time I was without phone service.
Lost of debit card went to a fraud transaction from {$2400.00} from my checking account, several calls and visits to different branches where done over the last few weeks, no result or any help at all
I have tried to update my personal information ( address ) by mail. I have not received a response or any update.
In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.
I received a notice in the mail in XX/XX/2016 that I was turned down for an Amazon.com credit card. However I never applied for a credit card of any kind. This was a fraud. I have disputed this inquiry through XXXX and received notice a month later that the disputed had been completed but no results were given and nothing was done to remove this inquiry, The inquiry was made through Chase Bank.I would like this inquiry removed from my credit report as it has made my score take a plunge. Im in the process of trying to buy a home. The reference number on the letter sent to me is XXXX. Thank you for your time.
I and my mother have been getting calls from a man at  XXXX . He says his name is Mr  XXXX  and he left a number  XXXX  ext  XXXX . He is saying I owe a debt but will not say to who. He is very loud and angry and even said " you are  XXXX   years    old.  You are too old for this. '' He called my work phone twice today and asked to speak to my supervisor.
Citizens Bank XXXX calls 5-7 times per day to collect a payment. After it is paid they call 2-3 more times back to back.XX/XX/XXXX online payment at XXXX XXXX XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX XXXX They've been asked to stop calling me and once spoke to a rep saying it was paid, the phone immediately rings with another rep asking for a payment.
previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... since I have reached out to the company and again sent all of my information XXXX has accepted the FTC affidavit and blocked all of the fraudulent items except the last one on the report ... it has been well over 4 days since this has been received and accepted by them and they have overlooked the account VW Credit acct # XXXX this account reporting is out of compliance with the FCRA and the statute regarding blocking fraudulent accounts .... I am thinking this is just an oversight seeing as this was the last one on the report but I am requesting that this is taken care of immediately and blocked from my credit file permanently
This last year, XXXX XXXX, I took a trip to XXXX with my friends. On XXXX XXXX, XXXX we went to a small textile shop where they sold shirts, rugs, linens and such. I bought myself a couple of silk shirts for {$110.00} using a Wells Fargo Credit Card. The store ran the card and had me sign the receipt. When I returned home, I noticed on my statement that there was an additional transaction for {$2600.00} which I had not made. I contacted the fraud department at Wells Fargo bank and was eventually told that they denied my claim for fraud. They had reviewed the transactions and the receipts and claimed that I had made the transaction since my signature was on both receipts. I requested copies of the receipts and clearly I did not sign the receipt for {$2600.00}. The signature was not mine. I tried explaining this to the bank but they still denied my claim. I am amazed that the bank, which has my signature on file and on various documents, could n't come to the same conclusion regarding the nature of the fraudulent signature. I made various attempts to which the bank refused to help me. I have sent letters to the bank signed by the friends that were with me testifying that no such transaction was made by myself. I myself testify under perjury that I made no such transaction.
On, XX/XX/2018 {$1000.00} was sent from my Chase account ( Via XXXX  ) to a recipient in XXXX XXXX XXXX, Illinois. Within a hour or so, I noticed the funds were not received by the person I sent the funds to, but was received by an incorrect account holder. I immediately contacted Chase ( same day ) and was advised by the representative to submit a claim. I submitted the claim immediately as requested by the Chase Customer Service Representative ( CSR ).

I followed up with Chase daily, but could never speak to anyone from claims or the " back office '' as the CSR called the department. Several days later I was told by the CSR that Chase contacted the incorrect account holder but did not receive a return phone call or letter. CSR stated that because there was no response from the person the bank would do nothing and denied my claim.
XXXX XXXX claims that I owe them another months cable bill after I cancelled my account. They have Credit Protection Association, LP attempting to collect the {$180.00}. I have already sent a request for additional information regarding the debt they incorrectly state that I owe. The letters were sent certified mail and 1 was delivered XXXX XXXX, 2018 and the other a few days later on XX/XX/XXXX. The date of their latest communication was XX/XX/XXXX. It is my understanding that they are not to contact me once I send them a request for additional information.
In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a XXXX balance when stolen, the person ran up 1600+ worth of charges XXXX / XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
I bought a car from XXXX XXXX back in XXXX 2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
I 've requested validation of debt in XXXX of 2017 and I have t received anything proving that the debt is valid or that they have a legal right to collect on supposed debt
I received a call the morning of Wednesday, XXXX XXXX, 2016 from a Chase Credit Card representative explaining to me that my monthly payment for my credit card ending in XXXX was past due for the month of XXXX 2016 and I now owed the company a payment of {$110.00} ( inclusive of the regular monthly payment that I send which is {$85.00} and the {$45.00} minimum payment that they claim I failed to make for XXXX 2016 ). I explained to the representative that these payments are set-up with my credit union on automatic bill pay, so I was sure that my payment for the month of XXXX was sent to them in XXXX of 2016. My bill is usually due on the XXXX of every month and my auto bill pay is set up to make payment on the account in advance, as my monthly statements will show. The representative than explained to me that because my XXXX payment for the XXXX bill posted before the XXXX XXXX ( which on my statement it shows it posted on the XXXX -- -hmm ) that particular payment was applied to my XXXX statement, thereby deeming my XXXX payment as unpaid. I find it to be very unfair that I 'm being harassed, accused of not making a payment and regarded as fiscally not responsible because I made an early payment and the credit card company made the decision without my consent or at least a courtesy call to apply my payment to the same monthly statement for which they had already received payment.
Mine is a V. A. Mortgage and XX/XX/XXXX I submitted an application to the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ). It was approved and funds of {$62000.00} were disbursed to my mortgage lender, Suntrust Mortgage , Inc. on XXXX XXXX, XXXX. Prior to the KYHC PRP, my monthly V. A. mortgage payments were {$780.00}. The KYHC PRP regulations required Suntrust, on XXXX XXXX, XXXX do XXXX things at the very same time : 1- to lower my principal by the amount I was awarded, the {$62000.00} and 2-to lower my monthly V. A. mortgage payments to a maximum of XXXX % of my monthly gross income of XXXX ( from my V. A. XXXX XXXX XXXX XXXX XXXX ), which is {$400.00}. On XXXX XXXX, XXXX Suntrust never lowered my monthly V. A. mortgage payments until I kept insisting they do so and only because I contacted the U.S. Dept. of Veteran Affairs and KYHC for assistance in getting Suntrust to comply with these KYHC regulations. In clear violation of KYHC regulations and for two full months ( XXXX and XXXX XXXX ) after their XXXX XXXX, XXXX receipt of the {$62000.00} Suntrust continued to charge me the full monthly mortgage payments of {$780.00}. Then in XXXX XXXX Suntrust again violated KYHC regulations by again exceeding the XXXX % maximum of my gross monthly income, by charging me {$410.00} instead of the KYHC required {$400.00}. 

These XXXX clear and deliberate KYHC violations by Suntrust created an undue burden on me and I was unable to afford my monthly V. A. mortgage payments and this caused me a hardship of Their won creation. During these three months, Suntrust further harassed me by mailing me paperwork in which they wrote, and which specifically stated that they intended to foreclose on my home by forcing me to Short Sale my home for those three months of missed mortgage payments. I am reporting these violations of KYHC regulations by Suntrust and I am requesting that Suntrust Mortgage , Inc be investigated and held accountable for these deliberate violations which Suntrust themselves created and with which they tried to illegally foreclose on my home by forcing me to Short Sale my home and leave me, an XXXX XXXX and XXXX XXXX Veteran homeless.
I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.
RE : XXXX XXXX XXXX At the end of XX/XX/XXXX, all of my taxes had been paid off through my mortgage escrow account and there was a surplus of over {$1100.00} remaining in the escrow account. I contacted XXXX XXXX who told me that this escrow surplus would be disbursed in XX/XX/XXXX because that's when my account 's anniversary would be. I called today because I never received an end of year analysis/accounting report of my account which I believe is required by Federal law. XXXX XXXX told me the End of Year statements should be going out soon. While I wait to receive the End of Year statements I need the analysis/accounting report of my account. The customer service rep told me the account analysis/accounting report and the End of Year statement are two different reports. I know I had a surplus amount in my account at the end of XX/XX/XXXX of about {$1100.00} after all taxes were paid and my current escrow account reflects this surplus. It's my understanding that by Federal Law, all surplus money in an escrow account needs to be paid out. I need to know why XXXX XXXX  is holding onto this money and why I never received an analysis/accounting report of my account to see all payments made from the escrow account. I believe this is referred to as the Annual Escrow Account Disclosure Statement. I had called and left messages but no returned calls from XXXX XXXX. The customer service reps at XXXX XXXX  are not all helpful and when they explain things it's very unclear and they provide incorrect information. As I said, the customer service rep I spoke to told me the analysis report and the end of year report are two different reports. When I check my account online through XXXX XXXX 's website, my mortgage payment has already been reduced by {$15.00} for XX/XX/XXXX, but I never received an explanation or notification of a change in mortgage payment. Thank you.
On XX/XX/2016, I was approved for a {$600.00} payday loan from bigpictureloans.com after receiving a solicitation email from the company. I fully intended to pay back the loan amount, as well as the finance fee of {$210.00}, well before the first payment due date. 

As that date approached, however, I realized that i would not be able to pay off the amount in it 's entirety before the first due date. In an attempt to arrange a later payment in the full amount, I contacted the loan company and was told initially that I could pay 2 weeks later and still only owe a total of {$810.00}. 

Despite this, I was also told that I could not set up a manual payment for that amount, but would be charged the finance fee of {$210.00} on the first payment due date, and that this amount would not be reflected in principal. 

Later in the same phone call I was told that since I had not made a first payment, no late arrangement could be made. I was only given the option to pay early, which of course, I could not do. 

Since then every pay period, the loan company has attempted to write checks against my account, which has put me in dire financial straits. 

To date, I 've paid a total of {$420.00} in finance fees alone as I became aware later that I was being charged a 700 % interest rate on my loan agreement, the details of i can not access on the company website any longer.