WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Bank made the decision to end the banking relationship with me and closed all the bank accounts I had with them, including one that I was only listed on with a Power or Attorney. While I realize they can close the account without reason and without notice, NOWHERE in the agreement, which I reviewed several times, did it say they could or would freeze and restrict the account for an indeterminate amount of time without notice. I have contacted them to point out that they are breaching the agreement, and they hung up on me. The bottom line is that Chase is breaching the very banking agreement they have by failing to notify me in advance that they would be holding the funds after their decision to close the account. Once they decided to terminate the banking relationship, they were obligated to release my funds, all of which were deposited by verifiable means, but after 3 weeks they still are holding the funds in that account hostage.
A XXXX XXXX called 6-8 weeks ago and left a voicemail that he was with Alliant Capital Pre-legal division to advise me of a legal matter cae # XXXX. I am going through a divorce and thought this may be about the debts we are working through the court and as per my attorney ( XXXX XXXX ) we have been requesting all debts in writing. So i returned the call and advised XXXX XXXX to send me a copy of the debt in writing. He advised that I was going to be sued and tried to get me to set up payment arrangements. I said I no, I need it in writing & I provided my mailing address as well as my email and I ended the call. Now I am receiving threatening calls from a XXXX XXXX at work and on my cell phone. Friday XXXX/XXXX/16, there were several messages on my cell that I needed to call by XXXX or I would be sued in XXXX County Monday morning. Then XXXX XXXX called my place of Employment and when he was told she was going to put him in my voicemail, he refused and our Receptionist pushed him through to voicemail. He called back and the call was transferred to my Superviser, XXXX and she told him that we do not permit these type of calls for Employees, he told her that it was a legal matter pertaining to fraud committed by me and he already spoke to our HR Department regarding possible garnishment and she asked who he spoke with and he replied, that everyone should stop being a " gate keeper '' and tell me to call before XXXX or I would be prosecuted in XXXX County. 
I am not disputing that we may owe this debt, I do not know for sure what it is because I have still not been provided anything in writing. I am in the process of a divorce and trying to collect all debt info so that I can utilize a debt repair/assistance agency and am only asking to receive it in writing so arrangements can be made. What I do not deserve is someone calling my place of employment speaking of fraudulent activity and wage garnishments tarnishing my name with my Superiors. I want the calls to my place of employment to cease immediately and for Alliant to provide the debt in writing so that my Attorney and whichever debt assistance agency I use can help me identify and make payments on legitimate debts.
ACH credit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} ACH debit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} Former employer ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX was my past employer in which I quit due to him fraudulently not paying my commissions to me. I had this credit on XX/XX/XXXX for which I thought was previously owed commissions or residuals possibly from an audit etc. <P/>On XX/XX/XXXX without my knowledge, a debit was made for {$1000.00}. I have a joint checking with my spouse with him as the primary. <P/>How is any person/entity/or company authorized to debit my account anytime they wish without my knowledge or consent! I tried contact JP Morgan Chase and with no results or answers. <P/>I contacted my former employer and he referred me to the XXXX XXXX XXXX and again received no answers. <P/>No one in any of these parties had my or my husbands authorization to withdrawl funds from our bank account. No one having my account or routing number is authorized unless I give permission to withdrawl any funds that I have in any of my accounts.
In 2013 XXXX try to over charge me for XXXX tickets. I sign up for a 7 month membership program for {$350.00}. But after the 7 month XXXX was still trying to take money out of my XXXX account. I had to get XXXX to block them. And I had to get a reversal on XXXX payments because they tried to over charge me. In 2013 they had Arrgon XXXX Collection contact me about this matter by phone and I explian to them that I paid for the tickets in full already and XXXX try to take extra money. And I also told them I could not get in touch with anyone from the XXXX membership department to resolve this issue they kept giving me the run around. Arrgon said that I have to contact XXXX to resolved this issue and that we are only a collection agency. When I told Arrgon the credit collection agency that I can not get in touch with anyone from XXXX membership department they told me that is the only way it can be resolved. I had not hear back from Arrgon from over a year all of the sudden out of the blue no phone called to me warning me they are going to put this debt on my credit report in the next 30 days if this is not resolved they just put it on my credit report. Now I have to do a dispute with experian a credit reporting agency for a debt I already paid. I sent proof over to XXXX and Arrgon. And I also complain to Arrgon that no one called my on my phone to warn me about this debt. I find this to be illegal. I email proof to Arrgon and they never email me back proof of how did they get this debt from XXXX on my credit report. A payment history or reciept. This is very offense to me and my business when I am in the middle of getting funding for my business now I have to wait, this could be damaging to my business not getting funding on time. No one will give you funding if you ca n't pay {$230.00} back. That is the amount Arrgon reported on my credit report. Arrgon should make sure when they collecting debt it is a official debt and also call they person on the phone and warn them they are going to put it on their credit report in the next 30 days if we can not resolve it. I attached proof. XXXX receipt and XXXX payment history. I can not believe Arrgon put a debt on my report I do not owe and gave me no warning by phone or email me proof of debt.
The law firm of XXXX XXXX XXXX has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of River City Financial, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened inXX/XX/XXXX This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help inXX/XX/XXXX, from the Minnesota Attorney Generals office, which resulted in XXXX XXXX XXXX River City Financial returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took.
For a second time, in XX/XX/XXXXthe law firm of XXXX XXXX XXXX captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward.
Again, I sought assistance from the MN Attorney General office. While I worked on providing XXXX XXXX XXXX with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me.
I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.
I am trying to dispute this charge with XXXX. The account had my name on it, but I had no access to it. My mother used this account and I do n't feel it should be on my credit report because I never used the account.
Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,
On XXXX XXXX, 2016 I did a Money Gram transfer through Walmart on XXXX in the amount of {$550.00} with a service fee of {$11.00} for the purchase of a XXXX puppy from XXXX online and XXXX. Their contact Phone : XXXX XXXX XXXX XXXX and email address : XXXXXXXXXXXX. The money gram was sent out at XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX He picked up the money gram the same day at XXXX. He said he was getting ready to ship the puppy but requested a fee to rent a kennel in the amount of {$700.00} in which we were told it was refundable once he receives the kennel back. Another money gram was sent on XXXX XXXX, 2016 at XXXX through Walmart XXXX XXXX XXXX the amount of {$690.00} with a service fee of {$11.00}. This money gram was sent to XXXX XXXX XXXX in XXXX XXXX and received the same day at XXXX. We were told they were shipping the puppy and it should be arriving today. They called back to ask if we looked at the email and that they needed another {$1300.00} for life insurance on the puppy. At this point we know it 's a scam and we have n't received the dog as of yet. No information on air carrier, or flight information that the puppy is being shipped on. I have contacted the company and left an email and phone message and still have not received a call back. I also contacted Money Gram in which it makes me wonder if they are a part of this scam as I talk to them they end up hanging up the phone on me. The numbers that we contacted were XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All these numbers when you contact them have a foreign person speaking and will hang up on you once you get into asking questions. I ca n't believe people can sleep at night doing stuff like this but I will not let this happen to someone else. I can be reached by cell at XXXX XXXX XXXX XXXX for any questions or concerns. Thank you!!
Citi Card has misled us with a 0 % APR offer on a card that we already had, but were using when we accepted this offer. <P/>They forced us to have a NEW card sent for an offer that  started on XXXX XXXX 2016. <P/>They did not tell us what was our " pre XXXX XXXX 2016 " balance so that we could pay off the entire balance as we usually do. We had to guess. And we overpaid that transfer amount. Also, we asked for help through their online portal to an agent, who thought we were asking something else, and did not answer my question. They tricked me through false or misleading advertising claims. <P/>They fees & trailing fees are fraudulent and I have asked them twice to refund them and even when I had a credit balance from over paying to avoid their mistake, they justified charging fees. <P/>Second, we have a problem with a 2nd Citi card about the same time. They do not reduce your amount " due in full '' when you have a suspicious charge under investigation inquiry. So, I cancelled a payment and then set up the same payment for the correct amount. They charged me a late fee of {$25.00} for doing this and also charged me interest until I was paid and no longer using their cards! We have paid off all of our balances to {$0.00} and have a really goo FICO score around XXXX. <P/>For CFPB 's convenience I have attached the 2 recent letters that I sent to Citi Card. They wrote us back yesterday saying that they were justified, but they are not. That is the reason for my complaint!
Santander Consumer repossessed my vehicle on XX/XX/18, and failed to notify me prior to doing so denying me and/or family members the option and legal right to resolve any delinquency prior to repossession as I had been hospitalized for 3 months and Santander had been appropriately advised. 

While repossessed, money {$3700.00} ; {$100.00} Visa Gift Card ; taken from my wallet which was inside the vehicle {$240.00} in groceries inside the trunk ; when it was repossessed ; and for severe damage the vehicle incurred while in their possession e.g., biological hazard, specifically, mold, front and rear fender ( s ) damage ; and damage to the rear upholstery of vehicle. 

PLEASE SEE ATTACH EMAIL COMMUNICATION TO XXXX XXXX, CORPORATE OFFICE OF SANTANDER FOR DETAILED EXPLANATION.
After sending information to verify myself with my disputes, including their internal file number ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 72 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} not mine XXXX XXXX XXXX XXXXXXXX XXXX. XXXX {$810.00} not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$830.00} not mine XXXX   XXXX XXXX {$6800.00} not mine
Senior on fix income being charged to much interest, were it keep you paying longer, trying to pay credit card off ...
XXXX representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.
My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.
For the last 2 years, I have requested my free annual credit report from Equifax and XXXX electronically and both times I was denied getting my credit report online and had to submit a paper form. I believe the " verifying your identity information '' is incorrect, as it has my current/previous employer as " XXXX XXXX '' instead of its proper name ( XXXX XXXX XXXX ).
XXXX is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for
On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Equifax Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Equifax was mailed certified on XX/XX/XXXX. Not receiving an updated credit report and it is now XX/XX/XXXX. I am filing a formal complaint with the Consumer Financial Protection Bureau. 
I have copies of all letters and police report information sent certified to Equifax by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.
Account was paid and closed but remains on my report. Even though I requested for the items to be removed, the items remain and is damaging to my report.
I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX XXXX XXXX ) Section ( 609 ) of  the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect  consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Deposited check from XXXX to Bank of America checking account. Bank of America initially said it would clear all funds in 2 days. Used debit to pay after 2 days and was hit with {$35.00} fee for bounced check and another {$35.00} fee for being overdrawn. New update that same day from BOA chat rep said that the check from XXXX XXXX was being held for 5 days for my protection. They lied upfront on the delay and then extendeded delay in depositing that money from XXXX XXXX to INTENTIONALLY incur fees.
We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure.
Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!
I filed bankruptcy last year and National Credit systems continues to report a negative item onto all three of my credit reports, in which violates the FCRA. I am not liable for any alleged debt owed.
Notified original company in XXXX that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.
I was directed to annualcreditreport.gov which sent me to FTC consumer mationinformation wed site, free credit reports, which then directed me to thelink annualcredit-report.com, clicked on request your free credit report XXXX XXXX took me to XXXX clicked on request your free credit reports, which took me to XXXX filled in all my personal information as well as XXXX, & clickedon NEXT ; this is what I got instead of my credit report : There is no Action mapped for namespace [ XXXX ] and action name [ null ] associated with context path [ XXXX ]. 
XXXXSo now I 'm wondering if this website is a scam, and I 'm afraid someonehatched my information. Whose website is this that your agency is send-XXXX me to. Can you please explained to me what happenedhere. Many people are directed beside myself to this website! 
Thank you for your attention to this grievous situation.
XXXX continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from XXXX documents showing my signature that i authorized to be a joint account holder and received nothing from XXXX. 
Also i have disputed this numerous times with EXPERIAn and they stated that they verified. i also requested under FCRA method of verification and they failed to respond
Received a letter from  Convergent Outsourcing Inc co ncerning a  XXXX   XXXX   XXXX  bill of {$420.00}. They offered a 50 % reduced payment to take care of this bill. I have lived in   XXXX    since 2006 and t ook care of all utilities when I moved away. I never heard anything from the company until today.
I contacted the company in XX/XX/2018 to notify them that this was not my debt. I spoke to XXXX who notified me that the SSN on the account did not match my SSN. I proceeded to ask how they could legally report this on my credit when it is not my debt. She asked me to send her a copy of my credit report showing that the debt is on there which I did. I called 2 weeks later to confirm receipt and she confirmed that they had received it and the dispute was processing. I called another week later and she stated that it was still processing and she had no idea how long it would take. I requested a copy of any information that she has to prove that the debt is mine yet I haven't received anything. I waited a month and called again and asked for a manager who basically said whoever I spoke to last shouldn't have spoke to me because the SSN on the account isn't mine. I explained to her that although it isn't mine it is still illegally reporting on my credit report and I am trying to buy a house. She said something was sent yesterday to me ( how coincidental ) about the debt. No one it helping me but they all agree that the SSN on the account is not mine and neither is the debt. The amount of the debt is only {$140.00}, if it were mine I'd pay it.