WillisBack/dataset-financial-user-claim huggingface dataset:
HP Sears showed up on my credit report saying I had unpaid debt, my credit score was reduced by over 40 points and I now have derogatory remarks. This was on XX/XX/XXXX. I freaked out because my credit score is important to me, so I paid the {$440.00} to HP Sears. I then realized that there's no way I could owe {$440.00}. I checked with my health insurance company ( XXXX XXXX of California ) and this charge, which was for the XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX, was actually covered by my insurance. The insurance company was a bit late in authorizing the coverage, but it did go through. I have the explanation of benefits to prove it. All I owe is {$25.00}, and I never received a bill for the {$25.00}, but I would absolutely pay it if they sent me the bill. I tried to get in touch with XXXX XXXX XXXX and have had no luck. I was on the phone repeatedly with HP Sears.  I sent them my explanation of benefits and they tried to accuse me of lying. I called to get them to admit they received my email with my proof. They admitted it. They said they'd issue me a refund. A month goes by and I noticed on Saturday, XX/XX/XXXX that my credit wasn't resolved. I even filed a dispute with XXXX, but they didn't take my side in the dispute even though I have evidence and contacted all the companies involved. So I called HP Sears yet again. I saw my credit card history and they NEVER issued me the refund that they promised, and they obviously never resolved the mistake they made that messed up my credit. I told them I wanted their agreement in writing, and I still have yet to receive that. I was able to get my {$440.00} that I was never supposed to pay in the first place back by contacting my credit card company. But HP Sears was supposed to be honest and issue the refund because I never owed the money, this was all due to their mistake, and they told me they had issued the refund. They've been scamming me and lying to me. I've been making phone calls again all night ( it's Saturday, XX/XX/XXXX ) and I can't get through to anyone. I have the proof. All I ever owed XXXX XXXX XXXX is {$25.00}, and they never sent me a bill so I can't pay it but I will pay it immediately if they would just send me the bill. I never owed {$440.00}. So my credit has been ruined because of this mistake and I have the proof that shows they messed up but no one is helping me fix it. I just want my credit score returned to normal. I don't know what else to do. The amounts aren't even consistent. I had to pay {$460.00}, and they attacked my credit for {$460.00}. The explanation of benefits said the original amount was {$440.00}, but that was before it went through insurance so I never owed anything anywhere near those amounts of money.
I believe Pinnacle Financial Services has re-aged an old collection, and has updated the " original default date '' to less than 2 years ago. I have not been in contact with Pinnacle Financial Services, have not claimed responsibility for this debt, and do not believe I should be responsible, but the debt has still been re-aged without notifying me.
In XXXX, the Consumer opened a case against XXXX within the CFPB 's dispute mechanism. The subject of this case was the right to collect a debt alleged to be secured by the Consumer 's home. Matters were adjudicated between both parties wherein XXXX certified to both the CFPB and the Consumer that they no longer claimed the right to collect. They further stated that it was their understanding that the alleged debt was sold to Green Tree ( now, DiTech, LLC ). 

In XXXX, upon reviewing a Consumer report indicating the alleged debt from XXXX to Green Tree [ # XXXX ... ], a cease and desist was issued and an investigation as to the validity of the alleged debt in question was initiated by XXXX. The investigation returned unverified and subsequently said item was removed. 

In XXXX, upon reviewing a Consumer report from XXXX, the same unverified debt was still being communicated to a third party over and above a cease and desist vacant a notification as required under federal law.
I enrolled in an At & T access more card offer that advertised a XXXX $ At & t phone credit when XXXX $ was spent within the first 3 months. I hit the mark on our XXXX statement and called in multiple times to confirm I was over the XXXX $ mark. Every person I talked to at Citi confirmed I was over the mark. Only after the 3 month period passed did I learn that I was XXXX $ short because they would not count the credit card fee towards the total. I was misled by multiple customer service reps and now I wont qualify for the offer. I attached a chat with a Citi rep confirming that my credit would arrive soon. Later I was told to fax in a proof of purchase which I also did. Only now have I been told I was XXXX $ short. Citi 's mistake has led to my cost of XXXX .
Agency Name : Commercial Recovery Systems , Inc. 
Debt is from XX/XX/XXXX? XXXX XXXX. 
Received a letter from them on XX/XX/XXXXSent a Certified Letter Requesting cease and desist calling my parents and son, also to call me directly on my mobile number. They continue to call all numbers regardless. I was threatened with court action, I requested then to be served so I can defend my self in court. They asked for my attorneys name. I did notprovide this information. Nothing they continue on. 

I am extremely worried that they may present a claim in court that I would not be aware of and get an unfair judgment against me. 

Was called today with the same story and I proceeded to request to be served at my place of work at which time the lady hung up. 
This is now getting ridiculous for a dept. I do not even remember having all my other depts. where paid in full or settled with XXXX payments several years ago.
In 2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Reference ID XXXX Dear Chase, On XX/XX/XXXX, I bought XXXX XXXX which were supposed to XXXX XXXX XXXX XXXX XXXX XXXX, and correcting other issues XXXX, and XXXX. I made this purchase at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. <P/>Unfortunately, the service which were provided were inadequate because they did not enhance my XXXX or the XXXX XXXX XXXX XXXX. However, they did leave my XXXX XXXX and the feel of my XXXX XXXX XXXX. Also, XXXX XXXX XXXX failed to meet the timeline we had agreed upon, the process took over 2 months. <P/>To resolve the problem, I would appreciate a refund of the total charge amount. Enclosed are copies of my records receipts and explanation of benefits concerning this purchase/repair. <P/>I look forward to your reply and a resolution to my problem.Please contact me at above address. <P/>Sincerely, XXXX XXXX
When I was struggling to repay my loans from XX/XX/XXXX - XX/XX/XXXX, XXXX XXXX/ Navient representatives repeatedly suggested and applied forbearances to bring my account current or postpone payments without offering income-based-repayment options that could have saved me more money and helped me pay off my loans sooner. Those forbearances benefited XXXX XXXX/ Navient monetarily by increasing my loan amounts drastically. I should have been offered income-based-repayment options instead of continuous forbearances.
TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it.
In response to CFPB complaint XXXX Experian states they investigated fraudulent account on my credit report, only the result is even more errors on my credit report. 

1. Experian has been sent multiple times a copy of the Identity Theft affidavit from XXXX and has refused to act on it, this is a total disregard for their legal obligations under the California Fair Credit Reporting Act. XXXX and XXXX complied immediately, it is only Experian that refuses. I have again sent a copy of the affidavit and demand the fraudulent accounts be removed. 
2. As a result of their investigation Experian removed XXXX BANK XXXX XXXX and XXXX BANK XXXX XXXX accounts from my credit report XXXX which they mailed me. A week later I received a credit monitoring fraud alert, and XXXX these account have been re-inserted into my Experian credit report. It is extremely deceitful to remove these accounts from the report that I was sent and then immediately re-insert them, in addition I received no notification of re-insertion which is a violation of the FCRA. I demand these account be removed. 
3. As a result of their " investigation '' Experian updated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts to show bogus payments made in XXXX. Experian lists these accounts as Charged Off in XXXX, payments are not possible. Adding these false payments in an attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
4. As a result of their " investigation '' Experian updated XXXX BANK XXXX account to show 180 days late in XXXX of XXXX, when it also show Charged off in XXXX of XXXX. An attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
5. Experian continues to report address information that does not belong to me even after notifying them of previous identity theft. Experian is required to provide accurate information, by allowing this bogus address information to remain on my report they are increasing my risk for further fraudulent accounts, I demand they be removed. 

I have been trying to get this resolved for three years now, all other credit bureaus were willing to help, Experian refuses to comply with the law. 
I ca n't even refinance my mortgage because of Experian, I just want to get on with my life, if legal action for violations of the FCRA is the only way to motivate Experian to comply with the law then that will be my next step.
On Date XXXX/XXXX/2016 their was a withdrawals in the amount {$890.00} from my account this withdrawal was a fraud. their was maintenance fee and overdraft and extended overdraft and withdrawal I did n't make. this have ben going on for the history of my account. 
debit and overdraft fee someone in this bank is fraud and take money from my account. 
I would like to know how can be.
In XXXX XXXX I applied with Ditech to refinance my mortgage. On XXXX XXXX, XXXX I received a Statement of Credit Denial in the mail. The given reasons for denial are as follows : 1. Unable to verify employment. ( I am self-employed, and was never asked to verify my employment ) 2.Unable to verify customers identity. ( I have had my mortgage with Ditech/XXXX for 15years and they do n't know who I am? I was never asked for drivers license, passport etc. I have had many mortgages and have never been asked to verify my identity. 
3. Insufficient Data property type. ( they have had this mortgage for 15 years. 
What kind of data do they not have on a mortgage that is 15 years old??? 
4. Requested Credit is listed as " XXXX '' with no commas, no dollar sign. ( The original amount of the mortgage was {$160000.00}. My current mortgage balance is {$120000.00}. I only requested a no-cash-out refinance to reduce my monthly payment. 
I have not had any late payments on any of my accounts in the past 3 years. 
I feel that my application was denied with prejudice.
I've been getting the run around. My credit card statement generated on XX/XX/XXXX.

The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to XXXX   balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This isn't accurate.

When I contacted Capital One, they advised to contact XX/XX/XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
XXXX has continued to give false information to the credit bureaus regarding this account that was initially XXXX XXXX. This account was removed from my report by XXXX XXXX because of a dispute. This company has on numerous occasions provided false information in order to reage this account that was originally disputed in XX/XX/XXXX. Pinnacle is reporting XX/XX/XXXX. I have filed a lawsuit and have sent them a certified copy. I just received a return receipt that looks like chicken scratch. This company uses fraudulent tactics and has yet to notify the bureaus of pending litigation or of the XX/XX/XXXX originated date for XXXX XXXX. This company needs to provide a copy of what they provided the bureaus and also documents from XXXX XXXX on their own letter head with a date from this year. I have also contacted consumer protection in the attorney generals office in their state as well as ct.
We have been banking with PNC for 6 years now. We have been offered the service of overdraft protection a few times, but because I do n't believe you should be able to take money out that you do n't have so I declined the overdraft protection. 
I got charged {$220.00} in overdraft fees, which I considered abusive. When I called I was told they would " reverse '' {$84.00}, just per courtesy. I have recently lost my job and I had to get a new one, so I never thought that PNC will process payments with no insufficient funds in the account. Because the funds were n't they charged {$36.00} times XXXX ( {$140.00} ) plus they charged me {$7.00} per day for every day the account is overdrawn. 
I had request a full reverse of my fees and escalated the complaint with PNC. But I really think we should reign on this abusive system. Banks are making their living by overcharging fees.
I..XXXX..am DISPUTING THIS CF-GOV CASE # XXXX ; where as the discrepencys of Wellsfargo training there hired venders, and there Employee 's trasspassing on my real proporptys, violating the Us protection Privacy Law 's of the United State 's of american over the phone , and there Contacting systems locacated in out of US State, And World wide.. : These employee 's state they donot have to give the State or Federal tax Id # 'x or proof 's of acklly working for Wellsfargo, or are not required to have a State Number with they are targeting consumers on the collection 's on Mortgages, or they state they also do n't have to give there Federal Finance Registrations ID numbers independently operating against FHA/HUD, Or VA Loans. The Crimes of changing the these Loan Address 's to aquire other people 's real propertys, I really belieave these are Federal crimes., And the US Government is not doing anything about it to protect the US Consumer 's privacy 's or inforcing compensation 's for hardships placed on Consumers from there opperating praces in a fuadulate manor also know as racketering, and international laundring of fund transfer 's. // case # XXXX -- -- WELLSFARGO-XXXX ! ... ./ used-court : to rob me, restraine me from my propertys-they moved, took my house items then, lefted i went to court/they did-not appear/judge cooper dismissed the case and told me to return home? I was never helped in paying this loan from XX/XX/XXXX to XXXX and my personal propertys were never returned, nor did the Insurance compenstae me me at that time ; XXXX XXXX '' When she lefted : On return : XXXX XXXX Sheriffs break out the glass doors : my bank account informations address 's had been stollen ; changed to a XXXX address of XXXX XXXX XXXX XXXX XXXX, ILL.,XXXX, had been paying also a on a $ 300,000ins-policy that was on the mortgage payments on me : have been spearheaded-buy peoples that have been fruading me, free legal attorneys-AZ, Bank accounts, XXXX retricted me from having an account in the-bank-over XXXX were taken. ; XXXX XXXX per the US Passport agency:
I made a payment of {$1200.00} on XXXX/XXXX/2015 which, as of today ( XXXX/XXXX/2015 ) still has not been applied to my account. The payment is being held in suspense. My mortgage payments are up to date ( next payment due XXXX/XXXX/2015 ) and the payment is not a partial payment ( normal monthly payment is {$950.00} ).
I qualified for a deferment for my XXXX 2017 payment for my auto loan with Wells fargo dealer services. The deferrement forms were sent via email. However, the attachment with the file would not open. I called back and asked for the forms to be mailed to my address. They never arrived.However, I did recieve a statement on XX/XX/XXXX. I was hoping that these were the forms I had asked for. I immediatley called Wells Fargo to ask where my deferment forms were. I was told that it was now 46 days since my payment, and the deferment was only good up to 45 days.This is unacceptable, I have done my due diligence to aqcuire the forms necessary to process this simple procedure. Wells Fargo, has made it impossible to meet the requirements that they have set up.
I have an account with carecredit. Made the monthly minimum payments on time. Had about {$700.00} left to pay. I get a bill, says I owe {$1000.00}. I didn't even use the card. Carecredit tacked on {$300.00} to my payment without my knowledge. Said it was because I didn't pay all the bill in there " promotional period ''. What promotional period? No one ever told me there was a promotional period. Carecredit never told me they had that. Also it tripled my minimum payment. This is what they told me over the phone. They were very rude, & misleading. Gave me the run around. Then I was told they would never do it again. Next month I get the bill. Another {$150.00} added to my bill. I call again. Another one of there supposed " promotional period '' thing. They lied & never told me there would be another one. That's twice they did that. That was {$450.00} added to my bill that I never even used or made any purchase for that amount. Now I'm behind over {$1000.00} cuz of late fees & this promotional garbage. I can't pay this. I've closed my account with them but still they keep on adding & adding money. All they care about is money. I need help. Please help me.
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS.. CEASE AND DESIST COLLECTIONS WE ARE DEALING XXXX XXXX XXXX XXXX DIRECTLY! WE ARE CURRENTLY SUING THEM AND ARE IN LITIGATION AND YOU MUST REMOVE ALL CREDIT REPORTING OR YOU WILL BE SUED TOO!!!
Great Lakes has repeatedly Breach my Privacy by sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. I 've sent certified mail on 2 separate occasions dating XX/XX/XXXX and most recent XX/XX/XXXX opting out revoking my consent of this sharing since i never received anything from them. I 've sent Great Lakes these letters opting out of these sharing practices and yet I have n't received a respond from them. I 've called Great Lakes repeatedly trying to get answers. Great Lakes is simply a loan servicer for the Department of Education simply a debt collector. I 've included an attached these documents showing my communication with Great Lakes. I have yet to received a response. Great Lakes has yet to respond to sharing my personal identifiable information with non-affiliated 3rd parties including the Credit reporting Agencies. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this The Department of Education nor this DEBT COLLECTOR to publicly furnish nor provide my personal identifiable to any 3rd parties including Great Lakes nor the Credit reporting agencies.
Equifax is ignoring my requests to investigate, verify and remove the inquiries from my credit report that were not initiated by me.
I tried to sign up for a spending monitoring program and Capital One will not let me access my account through them
In XXXX and XXXX, I request for a modification with XXXX XXXX XXXX. I sent all the documents, nothing was done. In XXXX XXXX the customer service representative told me the loan is sold to Bayview Loan Servicing LLC. It took them to XXXX XXXX to respond to my status enquiry. I sent more documents to them for modification, yet no modification was approved. They keep piling interest and fees, inspection fees, and legal fees. In XXXX XXXX, XXXX date of XXXX XXXX, I receive a letter ( attached ) that the note is destroyed and unavailable. On XXXX XXXX, I receive a letter for sale of house on XX/XX/XXXX.
Bayview should drop the sale.
Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.