WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I ordered a XXXX XXXX ( Model # XXXX XXXX XXXX XXXX ) online from XXXX. On their website, you can finance with them, and they use TD Bank for this purpose. 
After waiting several weeks I contacted XXXX XXXX their online chat on XX/XX/XXXX about the status of our order as we hadn't seen any progress in the shipping. I will attach the chat with XXXX in the documents. They indicated that it was Lost/Damaged and returned to XXXX, without any contact to us. The representative on the chat could help me no further and directed me to call the Billing and Returns department. I did that the same day and was issued a refund by XXXX, as I indicated that due to this error, I no longer wished to purchase with them. I was told I would receive a full refund, and that it would take 2-3 weeks to process with TD Bank. I have the confirmation email concerning the full refund. 
On XX/XX/XXXX A collections letter/bill showed up in the mail from TD Bank for this account, with a late fee added on XX/XX/XXXX. When I called, TD Bank indicated that the refund must not have posted, and to call back in a week. On XX/XX/XXXX I received a second collections letter from TD Bank and I called again. This time the representative of TD Bank could see that a refund was there, but had not posted yet. When I asked why then would I be charged a fee and interest on an account that should have a XXXX balance, as I had a full refund, the representative didn't have an answer and said they will have someone call me to rectify it. It is now XX/XX/XXXX and I have heard from no one and can get no where near a resolution with TD Bank. 
This has been going on 8 weeks, I filed complaints against both TD Bank and XXXX  with the Better Business Bureau on XX/XX/XXXX.  XXXX has not responded to anything since XX/XX/XXXX and directed me to contact TD Bank, of which I am getting nowhere. My concern is I'm going to have a negative effect on my credit for a product I never received.
See I was going to pay them the amount due. But they keep adding more to what I really barrowed. Is it my fault that I tried calling them but then they keep adding in more of what is barrowed. Even a credit advised me to pay the difference of what the amount is due and it ain't what they say. And thell charge me more for just trying to pay the difference off. And that's why I'm having difficult time paying them off.
XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.
Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment.
First I am complaining about a fraudulent transaction by XXXX on my Barclay MasterCard ending in # XXXX. I made a legitimate purchase on XX/XX/2016, but after much delay in receiving my purchased items. I contacted the company directly, and hey hold that per XXXX the package was delivered and signed for. However, while I can not dispute what XXXX claims to have occurred, I can attest, that it was not me that received and signed for the package and I have not received them to-date. 

After speaking with the vendor and getting nothing of production, I 'm forced to begin acting as my advocate in the return of my $ $ and must purchase elsewhere.. It is not my responsibility to find the package they sent, it is their responsibility per XXXX policy ... as the shipper. Me as the receiver, I can not compel anything in regards to the transaction between XXXX and XXXX ... 

Secondly, I am complaining about the transaction dispute process that prevents ease & simplicity vs requiring either fax or written complaint ....
When my vehicle lease was coming due, I requested a copy of the contract the leasing company had, and I was shocked to find that it was not the contract I had signed. I 've compared both and its apparent that my signature and initials are forged on a contract I did not agree to. I disputed the charges and the leasing company agreed to lesser fees, but they left a derogatory item on my credit, making my credit score plummet. It is unfair that a contract I agreed to was discarded and a forged one was submitted - and instead of those responsible suffering, I 'm the one who suffered. Please help.
Debt collector is attempting to collect a debt which is being disputed to the original company. 

I have never received a written explanation and description of the debt
On XXXX XXXX, 2015 Bayview 's letter dated XXXX XXXX, 2015 was given to me by their attorney at the XXXX XXXX in the aforementioned matter. Bayview 's attorney claimed that this letter was sent to me on XXXX XXXX, 2015, however, this was yet another misrepresentation made by Bayview 's attorney in Court. As I 'm sure Bayview 's records indicate, Bayview never sent me their XXXX XXXX, 2015 letter. 

This complaint is to dispute the reason as to why XXXX XXXX was denied a HAMP loan modification. Based on Bayview 's response provided to my first QWR, Bayview indicated that {$5200.00} was used to determine XXXX XXXX monthly gross income XXXX {$3700.00} + {$1500.00} XXXX. In Bayview 's XXXX XXXX, 2015 letter it is further claimed that an affordable payment could not be reached without violating FHLMC 's HAMP requirements. This is not true nor is a specific rule cited to. The principal forbearance required in this case is less than 30 % of the UPB and less than the maximum amount of forbearance. Consequently, XXXX XXXX is eligible for a HAMP tier XXXX loan modification. Please see attached waterfall calculation.
Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX   XXXX  USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them '', I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX, they will foreclose. WHen I called, I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process, I was not delinquent. I entered into the forbearance because they said that is the only way they would consider a modification.
I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.
My Membership Rewards account has been frozen for more than 10 weeks and I 'm unable to transfer them into my registered XXXX XXXX frequent flyer account.
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.
A credit card with XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was opened in my name without my knowledge or consent. I never filled out an application ... i had never even been on their site. When I received their credit card in the mail, I not only immediately checked my credit report and put out a fraud alert, I also contacted XXXX directly. I had to leave a message with their customer service department because the fraud department was unavailable. Approx. 2 weeks later, I received a letter in the mail stating that the account was sound ... meaning they didn't ' find anything fraudulent about it and left the account open. I immediately contacted XXXX again, and they said because the information ( except for the email address ) was correct there was nothing they could do. I again informed them that I didn't open the account, obviously my information had been stolen. They didn't seem to care because they said there was nothing they could do. I instructed them that they needed to close account, which they did but they reported back to the credit bureaus that the account was accurate. So, now my credit report is inaccurate and i still have no idea how this account was opened. They never provided me a copy of the credit application that I supposedly filled out and signed. I am in the middle of a bankruptcy and am unable to apply for any type of credit at the moment, which is why I am 100 % certain I didn't apply for this card. I have no supporting documents because I never filled anything out. All the information i have is from XXXX. I have submitted a complaint with the XXXX XXXX XXXX for this exact same issue. I want this to be reflected correctly on my credit report ; which is that the XXXX account is a fraud account.
i usually pull my annual credit report around XXXX. when i went to pull in ocotber XXXX it stated i already had a free report done that year. i did pull XXXX earlier that year but i paid for it. i just tried to pull it again XXXX/XXXX/XXXX this year to make sure info was accurate due to me loosing my social security card and it stated i have already recieved it free this year. this is inaccurate.
I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from Capital One Bank. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.
I am submitting substantial proof that my XXXX credit card account is current and paid as agreed. I contacted XXXX in regards to a deragatory remark that is on my credit report. I received this supporting documentation that the account is current and remark to be removed. This account is showing as potentially negative when it should be showing as account that is satisfactory.
Younomics is charging what I think is illegal interest. My initial loan amount was XXXX. The finance charge from the Truth in Lending statement show XXXX. However, the finance amount doubled. I have documentation that I plan to mail the IRS fraud department. The principle amount on the loan never decreases. I have XXXX XXXX dollar loans. XX/XX/XXXX, I paid over XXXX dollars in payments. The total principle amount never changed from XXXX. The XXXX sent by the loan servicer showed less then XXXX XXXX dollars in interest payments, which is incorrect. The company did not allocate money toward principle, and the XXXX they issued misrepresented the actual amount I paid toward interest. 

I am an Accountant. I have been keeping track of my payments, and documenting Younomics interest fraud. My monthly payment per loan is XXXX dollars. There is a XXXX dollar late fee, if payment is late. The principle amount never decreases. XX/XX/XXXX, there statement show interest accrued XXXX, plus XXXX late fee. However, they charged me XXXX under the title " current amount '', The amount of XXXX is applied toward the past due balance of XXXX. The principle remains XXXX. If the XXXX current interest accrual is not paid, then it is also added to the past due amount. Every month there is additional amounts added to interest that 's not justified by contract terms. The statement show interest rate is 10.5 percent. 

Please investigate this company. I am sure there financial statements and tax returns are fraudulent. I have my original Truth in Lending statement, and I am sure I have the contract also.
I had a car loan with Ally bank. My loan was paid off by  XXXX  in relation to closing of a home loan. The payoff amount was more than my balance and now Ally Bank claims not to show any overpayment on my account. And they say that if there is an overpayment, they can hold it for 18 days before refunding me the amount. this is outrageous.     I paid of  XXXX  other loans with VA  XXXX   XXXX  and I was refunded the overpayments immediately.     Ally still wo n't admit there was an overpayment on my account and I have no idea when I will see my money.
After conducting an in-depth review of my mortgage transaction and the conveyances of the subject property, I have found a number of violations with respect to the following Assignments. EXHIBIT A : Upon information and belief XXXX XXXX, XXXX XXXX and XXXX XXXX are employees of XXXX XXXX XXXX and not XXXX XXXX and or XXXX. XXXX testified in a XX/XX/XXXX foreclosure case in Florida that he signed up to 5,000 mortgage assignments per day at the loan-servicing company. Although he is an employee of XXXX, he signed the documents as a " vice president '' of XXXX XXXX XXXX, XXXX XXXX, XXXX and other institutions. ( See : Case # XXXX, XXXX Court of the XXXX XXXX XXXX, XXXX County, FL ) In his deposition, XXXX said XXXX multiplied his output by electronically stamping his signature on additional mortgage assignments that XXXX said he never saw. <P/>He testified, too, that all the documents then were falsely notarized. XXXX 's notaries were given stacks of the already-signed documents, he said, and attested falsely that XXXX had signed the legal papers in front of them. XXXX said he did n't verify the information in the papers he signed, and that he did n't understand key words and expressions in them. On thousands of documents, a California or North Carolina address is listed directly under XXXX name to help conceal his true employer. <P/>In a Texas case involving an Assignment signed by XXXX XXXX, a Texas Court denied an Application for Order for Foreclosure on XX/XX/XXXX, after the homeowner responded to the application with allegations of fraud based in part on the conduct of XXXX. See, In re Order for Foreclosure Concerning XXXX XXXX, Cause No. XXXX, District Court for XXXX County, Texas, XXXX Judicial District. XXXX XXXX XXXX, XXXX XXXX XXXX Correspondent, wrote an article about XXXX and XXXX Title on XX/XX/XXXX and on XX/XX/XXXX. XXXX has used the following job titles : Vice President, XXXX XXXX XXXX XXXX XXXX XXXX ; Vice President, XXXX, XXXX by XXXX XXXX XXXX, f/k/a XXXX XXXX XXXX XXXX, Its Attorney. <P/>EXHIBIT B : Upon information and belief this said Assignment is materially false, created with the intent to defraud those who might act upon the instrument and/or the information contained therein as genuine, as there is [ no ] evidence of this Assignment registered, recorded or transferred by XXXX. More specifically, there are [ no ] transfers, conveyances by XXXX beyond XX/XX/XXXX according to XXXX XXXX XXXX. <P/>The assignment contains the MIN : XXXX after conducting a search of XXXX sight, the MIN is registered to a note dated XX/XX/XXXX. ( See : Exhibit C ). Additionally, XXXX XXXX XXXX is also an employee of XXXX XXXX XXXX and NOT and employee of XXXX. Both Assignments violate Maryland Code Criminal Law Title 8 Subtitle 6, unfair and deceptive trade practices as defined in 13-301 of the Maryland Consumer Protection Act ( MCPA ) Md. Commercial Law Code Ann, The Fair Debt Collection Practices Act 812. Furnishing certain deceptive forms [ 15 USC 1692j ] and 808. Unfair practices [ 15 USC 1692f ], 8 U.S. Code 1324c and the Maryland Mortgage Fraud Protection Act ( Md. Code, Real Prop. 7-401 et seq. and 7-402 ).
I mailed a letter to Experian, in which I disputed various inquiries. This letter was sent on XXXX/XXXX/17 and I have yet to receive a letter from to address this issue. I contacted Experian on today, XXXX/XXXX/17 and spoke with XXXX as well as XXXX who advised they do n't investigate inquries as they are matter of fact. I explained to them both that according to the FCRA, any item on the credit report can be disputed, it does n't given an exception of INQUIRIES, being among any items that are off limits. I feel that they have failed to investigate the items and it has been well beyond 30 days and it is only fair that they remove the items that are listed on my dispute/request.
I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit r

eport that were past the statute of limitations. 2.
XXXX XXXX XXXX : XXXX XXXX - I told you  Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
On XXXX XXXX, 2015, I initiated a dispute with Equifax asking that XXXX XXXX XXXX acct # XXXX validate the debt in the amount of {$710.00} and that the debt was being reported twice on my report. I received notification that the file was updated to show as " paid in full '' on report # XXXX on XXXX XXXX, 2015. I also advised Equifax that the debt was being reported twice by the same company as XXXX XXXX XXXX is now XXXX XXXX XXXX ( according to their website XXXX ) and there was an entry for both names with all the same information on my Equifax report. As of today, XXXX XXXX, 2015, XXXX XXXX XXXX was deleted but now there are XXXX entries for XXXX XXXX XXXX on my Equifax report. It is unlawful the Equifax to put this information back on my report as it was previously delete. It is also unlawful for them to all the organization to report the same debt twice. More importantly, it is unlawful for XXXX XXXX XXXX ( formerly XXXX ) to misrepresent information to Equifax under the Fair Credit Reporting act. I am asking that this be investigated as I have tried to obtain resolve from Equifax to no avail.
My wife and I are XXXX % XXXX veterans and because of some family medical issues we ended up in Bankruptcy back in XX/XX/XXXX. We were also behind on our mortgage at the time of the filing for bankruptcy, but our house was not included. Around XX/XX/XXXX as we were getting close to our Chapter XXXX discharge, our attorney met with our mortgage company ( Freedom Mortgage Corporation ) attorneys and an audit was conducted which determined everything we were behind on. Some court, and attorney fees were added and the amount came to be XXXX, this amount was divided by 12, which came to XXXX. My wife and I was then asked if we could afford to pay our regular monthly mortgage payment and this additional XXXX for 12 months, we agreed and at that time a court order put into affect. The order called for us to start paying this additional XXXX in XX/XX/XXXX. We followed this court order 100 %, made all payments. We then made our last payment to the trustee and received our discharge on XX/XX/XXXX. When we were discharged Freedom Mortgage Corporation immediately reported us as two months behind on out mortgage. I made well over 20 calls into Freedom and it was determined that when we made that first payment in XX/XX/XXXX, they posted it for XX/XX/XXXX.