WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased special optical lighting products from XXXX XXXX, owner of XXXX, an online company selling special XXXX XXXX. They are located at : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I sent the vendor 's representative, XXXX XXXX, a quote from a competitor company called XXXX XXXX for specific XXXX  lighting products. XXXX was able to beat that quote. XXXX XXXX promised to send XXXX products. XXXX XXXX charged {$6200.00} to my XXXX XXXX account. After taking my money, they did not send me XXXX lighting products, but they sent me their generic, low quality lighting products instead. I paid for the XXXX products in XX/XX/XXXX. Upon completion of contruction, XXXX XXXX sent the low quality products and I was able to test the products out in XX/XX/XXXX. Four bulbs burnt out immediately. These were not XXXX products. Their website stated to call for a return authorization number to return the products. We called, and they ignored all our phone calls. We returned the products to them and paid for the shipping charges. 

I called Citi cards to dispute the charges from XXXX XXXX. Citi Cards failed to investigate the problem and to credit my account for products that were not promised from XXXX XXXX. Citi Cards did not protect my purchase for the wronged products received. Citi cards is forcing me as a consumer to pay for the products that I did not received. I am asking you to investigate Citi Card 's policies and my rights as a consumer. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
I have spent an enormous amount of money and time writing, Certified Mail cost and hours on hold to all three credit reporting agencies trying to clean up credit reports. Two of the hard inquiry complaints once were removed only to re-appear. 

While XXXX is the worse company to deal with, my experience with Transunion has generally favorable. XXXX has been very helpful. 
I have recently had a had experience trying to get unauthorized hard inquiries removed.

The following two hard inquiries were once removed and we're unauthorized. I never applied or signed a credit application. Unless Transunion has a signed application for these two and the others then they should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX / Inquiry Date : 1XX/XX/XXXX ( Auto Dealer ) XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) XXXX XXXX  / Inquiry Date : XX/XX/XXXX ( Bk. Credit Cards ) It is not right to punish a person for unauthorized hard inquiries. 

XXXX XXXX 3XX/XX/XXXX
Servicer, Specialized Loan Servicing, Inc ( SLS ), has confirm the reception of documents various times to be reviewed for Loss Mitigation solutions. On most recent communication, Servicer confirmed the reception of Bank Statements but requested that they be resubmitted to so the Non-Borrowers contribution. Bank statement submitted on previous occasions were marked accordingly to identify ALL Contributions received for the household. Multiple email correspondences can be provided to show that ALL NECESSARY DOCUMENTS HAVE BEEN SUBMITTED ON VARIOUS OCCASIONS WITH FOLLOW UPS TO CONFIRM THEIR RECEPTION. 
Servicer, on multiple occasion has filed to comply with CFPB regulations - additional information will be uploaded describing the servicing process till the appeals and borrower 's action to file Bankruptcy to delay the foreclosure sale.
AMERICAN EXPRESS CALLS MY HOME EVERYDAY AND NIGHT AND WEEKENDS DAILY ABOUT MY DAUGHTER DEBT THAT WAS IS IN BANKRUPTCY SINCE SHE FILED XX/XX/XXXX THEY GOT ORDER FROM HER LAWYER AND JUDGE NOT TO CONTACT US BY PHONE OR CALLS WHICH THEY DONT CARE THEY CALL MY HUSBAND CELL MY CELL MY HOME AND ETC AS I SAID IM SENIOR XXXX MY HUBBY XXXX AND WE DIDNOT MAKE THOSE CHARGES MY DAUGHTER DID WHICH SHE TOLD HER LAWYER THIS WE ARE LISTED AS CO DEBTORS BECAUSE WE HAVE HAD AMERICAN EPRESS PLATINUM CARD SINCEXX/XX/XXXX SHE HAD EVERYDAY CARD WHICH WAS IN HER NAME AND SS CLEARLER SHE MADE CHARGES AND PAID UNTIL SHE WAS UNABLE DUE BANKRUPTCY AMERICANEXPRESS IS GETTING OUT PAYMENT ON TIME EVERY MONTH AND MORE THAN WHAT IS DUE HOWEVER THEY ARE PITTING ME AGAINST MY HUSBAND BY TELLING HIM THEY WILL HAVE ME ARRESTED FOR ADDING MY DAUGHTER WHICH THEY HAD NO PROBLEM ALLOWING HER TO CHARGE AND MAKE PAYMENTS UNTIL THEY GOT HER COURT ORDER AND THE CALLS ARE NONE STOP DAILY SINCE XX/XX/XXXX I HAVE XXXX BAL ON MY ACCOUNT AND MY HUSBAND OWES BUT MAKES LARGE PAYMENTS SUCH AS XXXX FOR A XXXX PAYMENT BUT THEY STILL HARREST ME ON A DAILY BASICS MY DAUGHTER ACCOUNT IS UNDER HER NAME XXXX XXXX THEY CLEARLY SEE HER SS NAME AND CHARGES NOT BY ME OR MY HUSBAND HOWEVER THEY ARE TRYING TO SAY ITS MY HUSBAND RESPONSIBILITY I HAVE TO TAKE MORE MEDS THAN IM ON DEALING WITH ALL THIS CLEARLY THEY GOT HER BILL WRITTEN OFF AND NOW WANTS MY HUSBAND TO PAY NO WAY WE PAY OUR BILL FOR SURE BUT AS FAR AS MY DAUGHTERS NO SHE IS AN ADULT OF XXXX AND SHE TOOK CARE OF HER BILL BEST WAY SHE COULD PLEASE CAN YOU ALL HELP US GET THIS RESOLVED.
I made a withdrawal for the amount of XXXX from coinbase on the XX/XX/2017 and i still have n't received it XX/XX/2017 which is way past the date advised. i have tried to contact them via a support ticket and XXXX but they have failed to respond, its seems many people are having the same problem and i worry they may be struggling with liquidity problems.
My XXXX Visa credit card was charged without my authorization by a merchant described as XXXX twice in XX/XX/2018. One charge was for {$99.00} and the other was for {$19.00}. I contacted the merchant, XXXX, and was told that it has a policy that it does not refund any charges. Therefore, I contacted my credit card issuer, XXXX XXXX, and disputed the charges as fraudulent in late XX/XX/2018. XXXX issued a replacement Visa card and suspended ( made those two charges not due on next statement ) the charges. XXXX contacted my by phone about my dispute, and I reiterated that I did not authorize the two disputed charges from XXXX in XX/XX/2018. XXXX then sent me a letter in XX/XX/2018 stating it had reviewed my dispute and found I received benefits. XXXX would therefore apply the charges to my next statement. I responded to XXXX on XX/XX/XXXX and XX/XX/XXXX using XXXX 's secure messaging to reference my disputes and subsequent letter stating XXXX would be applying the charges to my next statement. In these messages, I communicated that the disputed charges were fraudulent, and I did not receive any benefits. XXXX responded promptly ( most likely with an automatically generated response ) stating that, after my dispute was investigated, I would receive a letter regarding resolution. Since I've already received that letter from XXXX XXXX, and the resolution is unsatisfactory to me, I am escalating my dispute to CFPB. The disputed charges from XX/XX/2018 are now showing on my XX/XX/2018 credit card statement. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX
On the personal information for my credit report list a home address of XXXX XXXX XXXX XXXX XXXX Ohio XXXX. Id number XXXX. I never lived at this address. Also i have never used the name XXXX. id number XXXX
I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit
XXXX is showing I was 30 days late on my mortgage payment with Bank Of America, from XX/XX/XXXX-XX/XX/XXXX. Per my two phone conversations with Bank Of America on XX/XX/XXXX @ XX/XX/XXXX they checked back and said I was never late with any of my mortgage payments and also my first payment was due XX/XX/XXXX and it was paid on XX/XX/XXXX. Also Bank Of America told me I had the pay plan which is biweekly so there is no way that I could have been late on my payments which you are showing. 
Please have this matter resolved ASAP and let me know the status of my request. 

Thank-You XXXX XXXX XXXX
XX/XX/XXXX- XXXX, XXXX & XX/XX/XXXX XXXX & XXXX XXXX & XX/XX/XXXX XXXX. I spoke with them twice today once to inform them my intent to pay on a later date they stated they need a promises to pay however due to the way I get paid I can't do that but will pay when I getting paid. They called my home again at XXXX pm today and informed that I already spoke to an agent about the payment and could not make payment today and I will call to make payment and informed them to stop calling my home or I would report them to your agency
XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, XXXX, and Experian, asking for validation of debt, upon the XXXX day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
The Northland Group Inc XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX
XXXX   XXXX   XXXX  Attorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
I received a call on XXXX at XXXX XXXX. It showed on my caller ID as spam but I answered it in error. The lady asked if this was XXXX I said yes but she would have to contact me after XXXX. Without verifying who I was, she violated the FDCPA and TCPA. She did n't let me know the call was being recorded, and she did n't verify who she was speaking with prior to disclosing a debt. She also did n't give the mini-Miranda. She continued to harass me and tell me this was not the way to handle a debt. All of this happened while i was at work. I disconnected the call and called back at XXXX XXXX. A woman answered and again violated the TCPA by not letting me know the call was being recorded. I requested a supervisor, who also violated the TCPA by not letting me know the call was being recorded and also violated the FDCPA by not reading the mini-Miranda. She then told me the calls were recorded and that she would deal with it.
I am currently in foreclosure with my loan for my mortgage.with Wells Fargo bank. I am going through a divorce due to XXXX. I have been trying to re-modify my loan for the past couple of months. I have been given the run around so much I feel that wells fargo re entry department is just stalling to get to the sale date. I have supplied the documents over and over again and they keep saying we do n't have this we do n't have that. I am working with a XXXX specialist that is submitting the documents herself and knows that wells have them after I call them a few times they tell me oh we have found the documents they were in another place. My lively hoods depends on this modification. I was denied due to unaffordability. and thy told me in order to resubmit I needed to have a change in my current situation. My mother has moved in with me to help me and and is assisting with her income and they are still giving me the runaround and telling me that they still have to verify that I am eligible for reentry. I have done all that they have wanted several times over and they are still not doing as they have said. I just want to be treated fairly. and given a fair opportunity in this process.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Professional Debt Mediation Account : XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX To whom it may concern, I am writing in response to your letter dated XX/XX/2018, copy enclosed. 
On XX/XX/2018 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Kentucky. 
I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond fully to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/XXXX. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX 

XXXX XXXX
My mortgage loan servicer, OCWEN, send me my mortgage interest statement ( " substitute form XXXX '' ) for XX/XX/XXXX. 
On it, I noticed a mistake in their favor. 
My property insurance and property taxes are " escrowed in '' with my mortgage payments. 
The annual property insurance of {$590.00}, was mistakingly deducted from my escrow account XXXX, on XX/XX/XXXX and again on XX/XX/XXXX. 
I contacted OCWEN on XX/XX/XXXX about this issue. 
After many frustrating hours on the phone, with people in XXXX and the XXXX, finally employee XXXX, ID # XXXX, discovered what went wrong : They mailed the payment XXXX to a wrong address of XXXX, whom I have my property insurance with, then they got the check returned to them and then they mailed a new check to the right address. 
The problem is that OCWEN deducted the amount XXXX as disbursements from my escrow account, and never reimbursed me for the mistakingly XXXX deduction from my account. 
A supervisor, XXXX, ID # XXXX, XXXX, ID # XXXX and I had a conference call about this issue and it would be researched. 
On XX/XX/XXXX, I had heard nothing, so I called OCWEN again, and only after suggesting that I might take legal action, did I get connected for the XXXX time with somebody in XXXX USA. His name is XXXX, ID # XXXX and he is a manager for OCWEN. 
Finally he understood and saw the problem, which can be very easily seen on form XXXX, and he figured the issue will be fixed in a couple of days. 
A week later, on XX/XX/XXXX, he called me, but had absolutely no information other than that the issue is not resolved. 
I waited till XX/XX/XXXX to call XXXX again, who had given me his phone number and extension, XXXX ext. XXXX, only to get an answering machine. 
I left a message with my phone number, loan number and a reminder of the issue. 
On XX/XX/XXXX I tried to call several more times only to get an answering machine. 
On XX/XX/XXXX I left another message. 
Up to this moment in time I have not heard from XXXX or anybody else from OCWEN. 
I called the " note holder '' of my loan, XXXX, and they informed me that OCWEN has the servicing rights, but that OCWEN does not work for them. They said I would get results solving this issue by filing complaint with you, the CFPB. 
All in all, OCWEN has now been shorting me on my escrow account 16 days short of one whole year, and known about and admitted to, the {$590.00} mistake for 34 days. No action has been taken to reimburse my account and I am being completely ignored with all my phone calls and messages to the employee who would handle this issue, XXXX.
A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. 
I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections.
I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.
In  XXXX  of   XXXX  , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  XXXX   XXXX   XXXX   XXXX  who claimed to be collecting for "   XXXX   XXXX   ''. Believing "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months.     Yesterday, I received a letter from  XXXX   XXXX  claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my  True Accord a ccount which showed that at this point the balance is {$4800.00}. I called  XXXX   XXXX  who claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  XXXX   XXXX .
My credit report was hit with a charge off report in XX/XX/XXXX regarding a loan I never made with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MT. XXXX XXXX XXXX is a tribal lender of the XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX , XXXX and XXXX XXXX XXXX ) recently were green-lighted for investigation under the CFPB by U.S. Court of Appeal for the XXXX XXXX. The Bureau initiated  an investigation into the Tribal Lending Entities to determine whether small-dollar lenders violated federal consumer financial laws. 
A dispute for this error on my report was filed with TransUnion on XX/XX/XXXX as well as a letter sent to the creditor directly on XX/XX/XXXX by email to XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to my request and requested a police report and affidavit. At that point, I did not have any information to suspect how this information appeared on my credit report. Therefore on XX/XX/XXXX I requested that XXXX XXXX XXXX supply to me a full accounting of the loan allegedly made by me. On XX/XX/XXXX, XXXX XXXX XXXX indicated to me by email that I must supply them with my credit report to which I adamantly opposed giving any information to a lender I did not initiate contact with for any such loan. 

To date, XXXX XXXX has not responded to my request to provide a full accounting this loan is valid.
I purchased my home with no down payment - XXXX in 2006I was making the mortgage payment for XXXX months. 
Then, i lost my job and fell behind on the mortgage. 
I called them several time and i was offered a program to help me save my home. 
Again, I fell behind. Then Bank America began to harass me ... I do n't understand why they called me until .... i was told that they purchase XXXX. Again i was offered a new payment plan. I was not working and could not afford it .... Then a few other banks called me - i had a XXXX mortgage too ... .. XXXX, XXXX, ,XXXX, XXXX , XXXX AND XXXX .... This was very confusing to me so i took XXXX to court. They agreed to present the original note and show they are the current mortgage bank ... PLEASE HELP MY FAMILY AND SAVE OUR HOME ... ... ... ... ...
There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.