WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Kohl 's Charge in order to get a copy of my Statement faxed to my Broker, I provided a fax number and who the fax should be sent to. I was told a request had been submitted. We are in the process of closing on our house and are trying to pay this account - payment after escrow, this is holding things up. 

XX/XX/XXXX @ ~XXXX XXXX XXXX XXXX - I contacted Kohl 's to get a copy of my statement, relaying that the fax was never received by my broker. I was told that they don't fax statements. I asked to speak with a supervisor, the supervisor told me the same thing " we can't fax statements ''. I asked to speak with her supervisor. I was transferred to a man, who said that the best he could do for me right now was a letter stating my account number, balance, and name on account. At that time, I told him that wouldn't work, that my broker was requesting a statement. I asked to speak with someone in America, at which time he said that he would put in a request. 

XX/XX/XXXX @ ~XXXX XXXX - I contact my broker to let him know the situation, he tells me that a letter will work fine. 

XX/XX/XXXX @ ~XXXX - I contact the Kohl 's store in XXXX , OR hoping that someone in Customer Service can help me. I am told that they don't have any access to my account information because it's a second party that handles the credit cards - Capital One. They ask me to come into the store because they think they can help get me what I'm needing if I'm there. 

XX/XX/XXXX @ ~XXXX - We call Kohl 's Charge from the Kohls store in XXXX , OR. This time we are told that faxes can take up to 72 hours to process but that I should be seeing my statement on the Kohl 's website. The Kohls associate and I tell them that my account is stating, " No Statements Available '' on the website. At which time they tell me that it must be because I'm not signed up to receive statements electronically - I was and am signed up to receive statements electronically. We asked to speak with a manager. We are hung up on. 
We call back and I ask to speak with a manager. I am told, " if this is about the fax thing, there is nothing we can do about it, you are going to get the same answer ''. Everyone I spoke with had a different answer - the last time I spoke with a manager I was told that they do fax statements, and that they have a " fax department '', and that it can take anywhere from 72 hours to 10 business days for things to be faxed, she also didn't know where this fax department was or how to transfer me there. They refused to e-mail me a statement or fix my account so that I could view statements. I am trying to pay this account and I am feeling like they are stalling in order to collect more interest on this account. They are making it very difficult to close account. 

XX/XX/XXXX - Kohls associate and myself submit an e-mail to the Customer Service department at Kohls Charge and let them know that I can't see any statements on my account and that I've been trying to get information faxed without success. Their reply was that there must be something wrong with my e-mail and that they don't fax. 

It shouldn't be this difficult to pay off an account.
My mortgage company NatuonStar has refused my payments. I fell behind but have been trying to pay what I owe. A few months ago I sent a {$3000.00} payment which they never put towards my debt just kept suspended, when I trod paying another {$1000.00} they refused to accept it. I pay electronically. I have called so XXXX times and they do not answer, I have been on hold for over half an hour and messages left never get a response. At my wits end I asked for help from my local XXXX and they say my loan inand I needed to pay {$6000.00} to bring it out if forclosure Which I did. They had mailed me a check for {$3000.00} I had paid over a month prior and used my own money as well as a loan from my mother. I sent a cashiers check certified mail. My XXXX person said they had received it but there would be some legal fees. The very next week Nationstar returned my cashiers check and claimed I owed {$8400.00}, ni explanation why I owed so much more in the letter. Ironically the same day I reviewed a regular invoice saying I owed {$6900.00} ... Which was the {$6000.00} plus my XXXX payment. When we called the person had no idea where the {$8400.00} figure came from and that she would get a amount to me within 24-48 hours for the total due, payments and fees and that if I overnight ex the check it would be taken care of. However she did not get back to me and when I called I was put on hold for 20 minutes. My XXXX person did get a hold of the and they now say because it 's gone into XXXX I owe {$7900.00}. They say {$1300.00} is legal fees.. Which they refused to send an itemized explain action of claiming it 's their policy not to. Had I paid before the end of XXXX, which I would have had they called me with the amount due in the 24-48 hour time frame they gave me. So instead of {$560.00} in fees thy day I now owe {$1300.00}. I personally feel even the {$560.00} seems high and wanted to bring the invoice to a lawyer to see if it 's unreasonable or not, also I should b or have to pay & XXXX extra because they failed to get back to me in the time Fran quoted by them. I feel this is extortion or fraud. I have called and left messages with a local lawyer and the South Dakota attorney generals office.
XXXX XXXX knowingly short-sold it's XXXX XXXX purchasing period. 

Fact # 1 : The glossy advertising and literature boldly and prominently states ( first page, first bullet point ) : " 6 MONTHS TO PURCHASE everything for your project** and in fine print " ** Period begins at approval. '' Fact # 1a : This point was also emphasized by the saleswoman. 

Fact # 2 : XXXX XXXX  XXXX XXXX ( and associated in-store credit card ) was applied for XX/XX/2018. 

Fact # 3 : My XXXX XXXX  XXXX XXXX XXXX clearly states " VALID THRU XX/XX/18. '' Fact # 4 : My monthly statements clearly state in large, bold, highlighted font, " On your Promotion Expiration Date,  XX/XX/2018, a new monthly payment will be calculated for the remaining 84 months of your loan. '' Fact # 5 : My purchasing window was closed by XXXX XXXX without notice on XX/XX/2018.
Regarding Chase case number : XXXX, Reference number : XXXX ( credit card charge-back ) : Chase Bank has been complicit to one of its customer 's theft and extortion, to which I fell victim. Chase Bank assisted one of its clients, XXXX XXXX, to initiate a credit card charge-back related to the purchase of an expensive high-end iPhone ( the most expensive model, 6Plus, XXXXGB ) under the pretext that the item would be " not as described '', notably months after an online sale was finalized. However, ( i ) the item was exactly as describe, ( ii ) receipt of the item was confirmed both through USPS online tracking and ( iii ) the buyer himself, ( iv ) the buyer also confirmed in writing that the item was as described and gave me ( the seller ) the highest possible XXXX star rating online. I provided all documents to XXXX, which correctly assessed that this is a case of " buyer remorse '' and instructed Chase to cancel the charge-back. Astonishingly, Chase refused to comply with XXXX instructions. The online platform that facilitated the saleXXXX ( an XXXXlike sales platform selling phones ) also sided with me and barred XXXX XXXX from its platform and instructed him to return either the phone or the money, XXXX which he refused to do ( theft ). XXXX XXXX then asked for a payment of {$200.00} to return either, which constitutes extortion / blackmail. I informed Chase that their charge-back became the instrument of, first, a theft ( only through the charge-back the theft was possible ) and, secondly, the extortion / blackmail and that, knowing this, Chase Bank, becomes complicit to the theft and the extortion / blackmail. Chase Bank refused to follow up and refused to even give me a postal address where I could send in my documents. Having received all evidence and documents from XXXX and me and still refusing to follow up, Chase is becoming complicit of the criminal acts, which were only possible because of Chase 's charge-back. In addition, XXXX XXXX claimed ( in writing! ) that the Chase Banker gave him the idea of initiating this charge-back and executed it for him, which makes Chase Banks involvement and subsequent refusal to cancel the charge-back despite all the evidence presented XXXX, even more worrisome.
The service provider, XXXX XXXX XXXX, has not correctly calculated my payments credible to the Public Loan Service Forgiveness Program. I alerted them in XX/XX/2018 and escalated it in XX/XX/2018 to the ombudsman office. This issue has still not been resolved. I have also contacted XXXX XXXX 's office and the Department of Education who closed the case out without resolving the issue. I am attaching all the payments I made. There was a miscalculation on how the payment was applied, which is affecting the credible payments. I can show all payments were timely, yet this is still not resolved. I am missing around 3 years of payments. 

Thanks, XXXX XXXX, XXXX
Over 90 days ago I wrote Transunion and demanded proof of the negative items that are on my credit report. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification.
A month or so ago, I contacted XXXX  to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/2017. I faxed them a statement, " PROOF '', from XXXX XXXX that proves the account was " CLOSED '', and that XXXX  XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to XXXX. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that XXXX had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a 4-year pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX  XXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.
XXXX XXXX XXXX XXXX repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA
Comenity Bank through XXXX XXXX processed my Email address incorrectly when I opened the card such that I never received a statement and then made me jump through hoops to waive the resulting interest and late fees. They even tried to negotiate with me to waive {$15.00} of the late fee vs. the entire {$38.00} late fee. In the end, they only waived one late fee and not the interest even when I paid the entire balance after finally receiving the bill. The Comenity team member was overly aggressive to protect the " Comenity policy '' on not waiving fees and interest when a payment is not received even when the fees and interest are bank errors on them and XXXX XXXX.
Experian claims an item is verified although both the lender and the loan servicer are unable to find me in their systems. This means the loan was never mine. I submitted this to Experian, and they again just claimed it was verified. Additionally, they have the same account on there three times. It is for the one Im telling you XXXX/XXXX XXXX themselves couldnt verify. It says it was opened in XX/XX/XXXX, but Experian states this will be on my credit report until XX/XX/XXXX.
after reporting my identity theft, to the police department, and summiting a report to the various credit consumer agencies, I settle various claims with couple of Banks, an Investigation by XXXX and XXXX was concluded and bad records Deleted. 
EXPERIAN, I needed to hire an attorney, ( XXXX ) to get Experian to delete my record, only to have then put back, XXXX, acct # XXXX, as acct was settled for XXXX should be XXXX XXXX XXXX acct # XXXX, settled for XXXX, both accts are more then ( 7 ) years. 
EXPERIAN IS A NASTY, MONEY HUNGRE, HUMAN DESTROYERS COMPANY.
My credit score has gone down XXXX points since XX/XX/2017 to date however the credit monitoring service and the Experian, XXXX, XXXX credit bureaus are unable to explain why or what companies made the report to cause the drop. I have attached copies of my reports and request a full inquiry providing explanations or restoration of points.
The events happened on XX/XX/XXXX and XX/XX/XXXX. At that time I had four separate. accounts with the XXXX XXXX XXXX Branch of SunTrust Bank. Sometime on or before! XX/XX/XXXX at  least three of my accounts were accessed and plundered by an outside entity, and money was moved between those accounts in the amount of {$2000.00} to help perpetrate a Scam. When I contacted SunTrust Fraud Department they promised to look into the matter and report back. My main contatct at Suntrust was XXXX XXXX XXXX, Senior Fraud Investigator. XXXX XXXX spoke with me personally, but subsequent attempts to speak with him were blocked by his staff. I waited patiently for some resolution until XX/XX/XXXX when I wrote to XXXX XXXX complaining of lack of progress or contact. Soon after that I was contacted by one of his staff who said that the Bank could accept no responsibility for not protecting my accounts and blamed the incident on the earlier XXXX hack.!! 
I find that response to be totally unacceptable, and surprisingly irresponsible for an institution based upon the premise of safe keeping of its ' clients money. I also find that the only contact I had with the the bank on this unfortunate matter was entirely verbal with not even an e-mail from the Bank. 
To me the issue is quite clear - the Bank failed in their frequently pledged basic task of keeping my money safe. My accounts were plundered, irrespective to what happened to the money, and as such they should be held responsible, and repay me the funds that were lost as a result of unlawful access to my accounts by an outside party.
Made a payment to UAC on my account which got behide. I tried to log into the account and could n't. Called and they said it was charged off which I was never notified of. They had my email which I never g ot one or  any mail to let me know this. The person I spoke to just gave excuses.
I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything.
XXXX contacted my husband, my sister, and myself and told us that I had done something illegal and criminal and that they are going to serve me with papers and sue me. They advised that they are a litigation firm and that they are going to start legal proceedings. They have been advised to cease contacting my family and my self and they have contacted my family XXXX other times after they were advised of this.
I sent a certified return receipt letter to Commonwealth Financial Systems @ XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX. It was signed for on XX/XX/XXXX in reference to what they claim is a medical bill I owe. I asked for them to validate this account and in response, a note was added to my credit file stating " meets FCRA requirements which I pulled today XX/XX/XXXX. I didn't receive any correspondence from Commonwealth Financial Systems stating how they validated the debt, I only got an invoice today XX/XX/XXXX with 2 additional accounts saying I owed an additional {$1100.00} and {$570.00}. I do not owe this debt collection agency and these 2 additional accounts were never in my credit file. I have previous copies of my credit file and would like help trying to find out what kind of scam this company is running! I do not want this company destroying my credit by doing this crooked mess because I disputed what they claim is a debt I owe them. I shouldn't be retaliated against for asking for validation of a bill they claim I owe them. The medical bills they say I owe are dated on the letter I received from them today XX/XX/XXXX as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help! 
Also, I noticed that the account that was on my credit report as # XXXX For {$760.00} is not the account number that they sent me today XX/XX/XXXX XX/XX/XXXX
On XXXX XX/XX/2016 I purchased item from XXXX 's XXXX XXXX using CitiBank Visa and returned item to the store on the same day, XXXX 's charged me twice for the item. When I reviewed my statement I noticed the charged, contacted CitiBank and asked them to reverse the charge. CitiBank initiated an investigation, requested numerous documentations and reversed the charges. Since then, Citibank has informed me twice that the merchant advised them they never received a return and reversed the charges, effectively adding {$470.00} in charges to my account. I disputed the charge again, going through the same process, and I received final notice this week that the merchant has once again denied receiving the return and the charges were added back to my account. CitiBank also informed me that there was nothing else they could do and that I would need to seek other means of addressing the problem. XX/XX/2016 I contacted the retailer, informed them of my issue and was provided with the location 's loss prevention manager contact information. She was contacted XX/XX/2016, we spoke for 10 minutes and I was instructed she would call me back with information. The loss preventin manager contacted me 40 minutes later and informed me that she was able to video validate my information and would be able to refund the {$470.00} as soon as I was able to come to the store. She also reported that she has not received any contact from Citibank regarding my dispute. My complaint, CitiBank mislead me over the course of 3 1/2 months regarding the resolution of my issue and then informed me there were no additonal steps they could take. How is it then that I was able to resolve the issue in only XXXX20 minutes of direct talk time?
XXXX XXXX I feel strongly the following may be hurting my credit because it BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. 

XXXX XXXX This is a formal request for investigation of this account 's account name, account type, and account balance. I believe this information may be inaccurate. Immediate removal of this item is required of you.. 

XXXX XXXX I feel strongly the following may be hurting my credit : account name, account type, and date of last activity. I believe this information may be inaccurate. I need this removed immediately. 

XXXX XXXX This is a formal request for investigation of this account 's date of first payment, credit limit, and account number. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX XXXX I feel strongly the following may be hurting my credit : date of first payment, credit limit, and account number. I believe this information may be inaccurate. I need this removed immediately. 

XXXX Account XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match what it says in my records. 

XXXX Account XXXX Can you please review the responsibility and current amount of this collection. I do not think it 's a 100 % accurate and remove this item immediately from my credit report. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not 100 % accurate and remove this collection immediately from my credit report. 

XXXX XXXX I XXXX Can you take a look at and review the collection type and number because it does n't seem right and remove this item immediately.
I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then