WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX my mother passed away. I am the executor of her estate. She held a American Express XXXX Credit card ending XXXX. The card was not recovered in her personal effects or at her residence. A collection agency ( XXXX ) was assigned by American Express for collection of an outstanding balance. XXXX Services provided all the statements for a review since the card was not recovered and suspected fraud had taken place. In XX/XX/XXXX XXXX Services was provide all the information including police report, forge signature receipts for purchases and the request made for credits issued against the account. XXXX Services forwarded all the information back to American Express for resolution. American Express assigned a case number however they have failed to make any credits to the account. Numerous letters, faxes and phone calls have failed to resolve the issue. XXXX complaint XXXX Failed to resolve issue. Attorney General XXXX complaint XXXX resulted in forwarding complaint to Comptroller of Currency XXXX XXXX. Follow on phone contact with Comptroller of Currency forwarding complaint to your office as of XX/XX/XXXX. Comptroller suggested contacting XXXX Bank whom took over American Express XXXX Credit lines. Phone Conversation with XXXX Bank confirmed that only active accounts had been transferred from American Express and they had no information available concerning the account or the account holder. Although sufficient documentation has been provided to American Express they have refused to act, or communicate effectively across departments or with the administrator of the card holders estate. I can provide all the documents that have been transpired to support the complaint. The credits in the amount of {$3700.00} be paid back to the XXXX Trust request has been made several times, but American Express has continued to fail to act for an extensive period of time.
I was struggling to make my mortgage payments and attempted many times to do loan modification. My father was a cosigner on the loan and they required his information. He refused to provide his information so I continued to struggle, all the way into foreclosure. I did not receive notification of foreclosure, I found out by walking into a chase branch to make a payment. According to Chase Bank 's attorney, the foreclosure process started XXXX 2016. Here we are XXXX XXXX 2016, I go to my house and my realtor 's lock box has been cut off and replaced, with winterization notices. I have a third party who began a loan modification process for me in XXXX 2016, I provided her all needed forms and my father finally cooperated in getting a quit claim deed to her on XXXX/XXXX/2016. The quit claim deed Chase was waiting for was faxed same day. The house was auctioned in a sheriffs sale XXXX/XXXX/2016. It was my understanding that I still got a XXXX appeal period after a modification decision, and how can the have it up for auction 3 days after a decision. The third party rep was in constant contact with Chase and when she asked for a sheriffs sale date, XXXX/XXXX/2016, the did not have XXXX listed. Between myself, third party rep and my realtor, no one can make sense of this.
These companies completed hard inquiries under my name without my authorization. I do not consent to the inquiries. 

XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX CBCINNOVIS Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX 5 Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX
I have contacted Experian, XXXX and XXXX on several occassion twice in XXXX 2017 unsure of the dates but I also sent out certified mailings to each crediting reporting agency on XX/XX/17 also again on XX/XX/17 via regular mail concerning several bankruptcies on my credit report .. Case numbers.XXXX Case number XXXX and case number XXXX ( see attached ). I also sent emails to the CEO of each reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On XX/XX/17 I received and email from XXXX Execective office wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named XXXX called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from Experian by the name of XXXX called me from telephone number XXXX and also say that the items were verfied I aske how and he said throug a third party I asked whou he then said there are several so After I 've explain to each them that I 've spoken to XXXX at telephone number XXXX with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the XXXX XXXX the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
XX/XX/XXXX I submitted an application to refinance my existing mortgage loan with Bank of America. After waiting and many inquiries about a settlement date, I found out by email on XXXX XXXX from the loan officer, that my file was cancelled. I have been a customer in good standing with BOA since XX/XX/XXXX, my mortgage loan servicer. At this time,. my income has increased, my financial portfolio is still stable and has increased, and my outstanding debt has decreased substantially .My credit score is XXXX. I have provided all documents to complete the process in a timely manner. I was mailed a new Good Faith Estimate dated XX/XX/XXXX that exceeds the original one dated XX/XX/XXXX by {$1700.00}. I paid for the appraisal that was done in XX/XX/XXXX, required by the lender. I was assurred previously by my loan officer via email communication that the delays would not change the original terms on my loan. The interest rate lock that we agreed upon expired Please review and investigate why they cancelled my filed. I want to move forward however, the interest rates for loans have now increased.
I went through my XXXX XXXX housing information to get a credit report. As they said I should be able to get one free credit report each year. I entered information to get my trans-union report. They give you tabs to get the report and a tab to get the score. No where does it tell you that getting the score is different than getting the report. My lender told me I would have to get my score through this free site. Then I find out they charged me {$20.00} just to look at my score. This is highway robbery and a complete deception. I had to get a little mad at them to get them to refund the money. I was told it would take up to 5 days to refund the money, it sure did n't take them 5 days to take it. This happened 2 days before payday and the {$20.00} was all I had to live on until them plus it was going to pay my gas to get to work. There should be a huge flag warning people they are about to be charged. The was no button to push giving my permission and no $ amount shown.
We have two old business credit cards which were transferred from a different bank into XXXX XXXX XXXX. We no longer bank with Key Bank. 

We have called and written Key Bank merchant services on a number of occasions to notify them that we wish to close the old credit card account. 

They told us that we need to notify them in writing ; we did. Then, they told us that due to increased measures against identity theft, we need to call them to close the accounts ; we did. Now, in their most recent letter, they told us that we need to visit our local branch or contact a different phone number in order to close the accounts. 

On XX/XX/XXXX, we called merchant services, and we were told that the accounts are closed, and yet, we continue to receive bills. 

This is a scam. They are trying to keep this credit card open to collect fees.
To whom it may concern : This letter is being sent to you in response to the above reference account that EOS CCA, has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any documents that show I agreed to pay what you say I owe. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS CCA, for the following : Violation of the Fair Credit reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of character.
I WAS A VICTIM OF AN INTERNET SCAM AND I WOULD LIKE TO PLACE A FRAUD PROTECTION ALERT ON ALL XXXX CREDIT BUREAU RECORDS ASAP.
On XX/XX/2017 I made a purchase of 9.9 gallons of gasoline in the amount of {$21.00} at the XXXX XXXX in XXXX, WI using my Discover Card. When I received my bill there was an additional charge for {$100.00} at this location which I did not incur. I first contacted the XXXX XXXX WI Sheriff 's Department and then contacted Discover Card. The XXXX XXXX Sheriff 's Department initiated Case # XXXX, and Discover Card initiated Case # XXXX. Discover Card initially rescinded the charge, but then toward the end of XXXX I received their determination that the charge was valid and had been put back on my account. 

I responded, detailing the vehicle I was driving and indicating there was no way I could have put approximately 55 gallons of gasoline in a XXXX XXXX as their determination indicated and that surveillance video would show that all I did was put 9.9 gallons of fuel in the XXXX. Discover Card dismissed my claims and is holding me responsible for the charge. Discover Card asked for supporting documentation for my claim, but there is no way to document something I did not do. 

Supporting documentation is attached.
I recived a traffic ticket in XXXX of XXXX. It went to the collection agency and was paid when it went to collections. They said a letter was sent On XX/XX/XXXX, and then another letter on XX/XX/XXXX. The way I found out about this was a letter sent to my house XX/XX/XXXX that says " Second Notice - Action Required '' When I asked to speak to a supervisor they sent me to voicemail. After I asked for a copy of terms and conditions they " found '' another account I had failed to pay which is untrue. I believe they are trying to steal from me, thank you.
A visa credit card issued by Citi accepted a charge from a merchant who had either an incorrect credit card number or expiration date that passed or both. When I called to inquire how it could happen they said that for some select merchants who allegedly submit recurring charges there is a special treatment when it comes to changed credit card numbers and expiration dates that have passed -- they are provided with new credit card info so that they can continue to bill. 

I suggested that this was done without my consent, that the agreement is between the credit card company and the merchant and not with cardholder, that no cardholder can possibly understand dozens of pages of fine print with changing rules. I demanded that Citi remove the charge from my account and pay for it themselves. That it was unfair for them to violate the most fundamental security feature of the credit card and allow merchants to bill with wrong credit card number or past expiration date or both. I further explained that expired credit cards is what should prevent looters like the merchant in question to perpetrate inappropriate charges and contact consumer with a request for a new billing information. 

As an aside the card in question is not in my posession and I believe it was cancelled. When I asked them to tell me what was the expiration date on the active card it date when it was issued. As a result I can not even present the merchant with a proof that they did something inappropriate - bill with a wrong credit card information and get a new credit card info from Citi when both of them realized that credit card number or expitation date changed.
XXXX and XXXX both intimated a hard inquiry of my Experian credit report. I have no credit with either company, and did not authorize these. These were done without my consent. Please help.
On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX  conversion fee and sent XXXX currency to XXXX. 
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss. 
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX 
She lied causing {$1800.00} loss on mu side. 
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly. 
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX. 
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring of XXXX a year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today,XX/XX/XXXX, and was informed by a representative that they do not honor divorce decrees with debt settlement.
Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this  debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
I filed a complaint with Bank of America XXXX/XXXX/2015 - Case number : XXXX and thought that my issue has been resolved. The issue is that my saving account that was converted to a checking account was continue to be assessed fees then charged of. This account was not suppose to be converted to a checking account. It was to remain a savings,. I was advised today by a rep that I was accessed monthly service charges from XX/XX/XXXX - XX/XX/XXXX and the account was forced closded XXXX XXXX. another bad servicing item and after being advised of the error for the 10th time. No one corrected. 
Orginal complaint verbiage : My # 2 complaint is that I had my savings account converted to another Checking Account without my notice or approval and now I am being charged a monthly maintenance fee on that account. I have advised BOFA of all of my concerns and they have not attempted to investigate or make any corrections. These fees have been accessed without me being aware. This is an unfair act or practice. And a violation of UDAAP.The Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. Anact or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumersor to competition. 
Confusing marketing strategies and lack of disclosure of terms of checking and savings
XXXX XXXX systems continues to report a debt to my credit bureau that has been XXXX in a bankruptcy. My debt continues to be sold from agency to agency. I called them today and they said yes it should be closed. But the agencies on the back end keep selling it. It is now on my credit report once again. This has happened 3 times. I want it removed asap so we can pre qualify for a home loan. The current agency holding this debt, that was sold to them, is Pendrick Capital Partners.I should not have to call every XXXX months to have a debt removed from my credit report. This is haunting me and tanking my score. I feel harassed and defeated that this keeps happening. Someone needs to be held accountable. I 'm unsure why commonwealth financial systems has things straight in their records but these other agencies are still passing this debt around.
On XXXX, I requested a loan payoff from Seterus Inc, through their website, which states it will go in my secure inbox within 3 days. They have now taken the three days comment down due to my complaints, so I guess we get it, when we get it now. Anyway, I talked to XXXX on Thursday because it was not there. XXXX informed me that was a mistake and it takes 7-10 business days. She was rude as well, so I complained to the FDIC and called back because think about this, how much money does Seterus make by putting off giving those payoffs in a timely manner based on people 's daily rates? Mutliply all the other customers they do that to. They told my lender they get XXXX requestsa month. That is a lot of sonsuer money. I got XXXX the next time, who lied and said I did n't request the buyout until Monday the XXXX, but she would see that I should get it by Friday morning. I still had nothing, so I spoke with XXXX who saw my original request and she would see if she could expedite it at another 1-3 business days. I got the request later that afternoon. Here it is- XXXX , XXXX XXXX PAYOFF STATEMENT IS SUBJECT TO FINAL VERIFICATIONNext Due Date of Payment : Interest Rate : Current Principal Balance : Unpaid Interest to XXXX XXXX, 2015 : Escrow Overdraft : Interest Arrearage : Escrow Arrearage : XXXX XXXX, 20153.99000 % {$320000.00} ( Future XXXX bill for taxes ) XXXX Open Charges Through XXXX XXXX, 2015 : LATE CHARGES : XXXX Additional Charges Through XXXX XXXX, 2015 : Homeowners Insurance : XXXX ( Homewoners Insurance due in XXXX ) Prepayment Charge : XXXX Suspense : XXXX Expense Credit : XXXX Amount Secured by the Mortgage or Deed of Trust : $ XXXX Cost to Release Documents : XXXX Estimated Payoff amount due as of XXXX XXXX, 2015 $ XXXX payoff statement expires on XXXX XXXX, 2015. 
If you have any questions, please contact us at our toll-free number below. 
Sincerely, Seterus , Inc . 
XXXX notice all the extras like my tax bill, which is n't due until XXXX and my insurance, which is n't due until XXXX. You also include the daily interest and the late payment, which would n't be late if I had gotten the payoff. Now bear with me, I had torequest it again. Are they going to do the same thing where I can never leave them due to poor payoffs? What underwriter can use this? Plus, it appears that if they try to inflate my buyout, it will make it harder to refinance through the XXXX XXXX is a XXXX veteran. Both of us are on the loan. If I am having to leave XXXX in escrow with XXXX bank and paying XXXX for the same for future escrow, that is XXXX in escrow during the transaction for the refinance.
On XX/XX/2018, a charge was made to our credit card in the amount of {$2100.00} from a XXXX XXXX store in XXXX XXXX, WA. I called and filed a claim. Bank of America assured me they would give us provisional credit and to deduct that amount from our XXXX payment, which I did. I called the XXXX XXXX store and spoke with their bookkeeper. She faxed over documentation ( purchase order, invoice, receipt and sign pick up slip ) to our local XXXX XXXX store in XXXX, WA. It was clear from the paperwork that a contractor, XXXX XXXX XXXX, fraudently used our credit card number to order a XXXX generator. He used his phone number, signed his name, but used our name and address to order it ( misspelling both ). 

I forwarded this information to Bank of America. A few weeks later, we received notice that the dispute was closed and we were required to pay the money. 

I called again to complain that this was an obvious case of fraud, with proof. They reopened the case, gave us provisional credit, and again asked for documentation to be provided by XX/XX/XXXX. I went to the local Bank of America branch to fax the papers on XXXX XXXX. That same day, they charged our account for the original purchase amount, even before they had a chance to review the documentation we sent over. 

I called Bank of America today and they said they would look into it, but then they hung up on me.