WillisBack/dataset-financial-user-claim huggingface dataset:
Had a fire total loss and two payments was told would be deposited into my account by Chase Branch. 
The funds was deposited into my account then removed. 
Since then executive office of Chase informed me complete a intent to repair along with some receipts. 
I did that and the remaining funds have not been released. Then I was told that from Chase Insurance Dept said the Executive Office dont know what they are talking about. Then the claims department on a recorded line said that a inspection was needed by them free of charge showing the intent of work being done and the remaining funds would be release. I told the Chase Claim rep that I have completed 75 percent of the my work on my property already. 

I have just been getting the runarounds and have lost my tenant and will not be able to finish my job and feel I am being discriminated because I am a minority contracted and have submitted my personal information per their request IRS tax information and I have no idea what they are doing with my personal information requested and I have been doing my best to work with Chase.
I am growing tired of receiving late notices and interest charges regarding fees assessed from Capital One Banks illegal handling of accepting charges against our company account. Attachments A through E display my case and I will outline each : Attachment A shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018  to XX/XX/2018 for fraudulent charges to his credit card from a XXXX XXXX. Attachment C is a letter from Capital One ( dated XX/XX/2018 ) that shows the resolution of these fraudulent charges, the deactivation of card ending with # XXXX and the refund owed to our account. 

Attachment B shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018 to XX/XX/2018 and clearly demonstrates the card for XXXX XXXX was changed. I will add that, via telephone, I requested XXXX XXXX card should have not been renewed but cancelled under his name since he was no longer in management with our company. Also during that call, I requested to close our entire account ( cards # XXXX and # XXXX XXXX since you will note that NO charges were made on any card since XX/XX/XXXX. 

You will also note on attachment B, his old card number and the last fraudulent charge to that cancelled card. Attachment D letter confirms resolution to the fraud. 

Attachment E clearly displays the error of Capital One by allowing annual charges against XXXX XXXX account even though the three charges, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were against card # XXXX since we DID NOT notify XXXX or XXXX of his replacement card. In fact, we wanted to cancel these charges since these accounts no longer applied to his responsibility or use. 

I have attached all documentation and my letter of XX/XX/2018 to Capital One.
XXXX and Equifax are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...
The company is USAA. Everytime they have contacted me I have told them to work with XXXX XXXX XXXX who I am using for debt consolidation. Example dates XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I informed them that I was working with XXXX XXXX  and to talk to them. I seperately called XXXX XXXX on XXXX XXXX and confirmed they had spoken to the settlement department at XXXX XXXX 

However, USAA continues to try and contact me. I actually spoke with a manager there, and set up a date, also XXXX XXXX, for them to call me at XXXX my time at which time I planned to get them and XXXX XXXX on the phone together. Instead, I got no phone call on the XXXX or XXXX, and got another missed call this morning at about XXXX ( ca n't answer because I 'm at work so I declined the call ).
Navient refuses to issue a paid in full letter. They refuse to let the creditors know the account is paid in full and closed. When I call they tell me to give them another 45 days and this isnt right. Im thinking theyre trying to accrue interest in the mean time.
I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.
I called in on  XXXX   XXXX   2017 spoke w ith rep and was offered a ext rep adv to pay  XXXX  which she setup the payment for  XXXX   XXXX  I started getting emails that my account was past due I called in on  XXXX   XXXX  and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay  XXXX  dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay  XXXX  and they will defer two payments to end of loan so they want me to pay  XXXX  plus the  XXXX  and none of these funds will be applied towards payments this is their fee.
I kept getting calls from the XXXX forgiveness program, sooner or later Im having hard times so they got me now i regret it
I tried to sign up for the fraud alert offered by Equifax and have had a terrible time doing it. I started the computer-based process on XX/XX/XXXX and was told after entering a small amount of information to come back to the site to complete the process the next day. Why? That is but the first oddity. Upon following that instruction on XX/XX/XXXX, I had a question, so decided to call. Thus started the fall down the rabbit hole. Busy, busy, busy, then on hold, on hold, on hold, and an hour went by, then all of a sudden the phone went to a busy signal again! I started the call process again just out of sheer cussedness and after another 45 minutes reached a person. I quickly determined that she did not know what she was talking about and could not answer my question. 
Although frustrated, I played around on the computer a bit more and found the page to complete the fraud alert registration, and discovered that they want me to enter all kinds of sensitive information, i.e. Social Security number, date of birth, my middle name! Are they crazy? They already compromised my financial information by allowing it to get hacked, and now they want me to put it into cyberspace again, just in case the criminals missed something the first time! Can you help with this craziness?
I have already filed a complaint ( complaint # XXXX XXXX Bank of America responded to that complaint and awarded me {$2700.00}. In their answer to the complaint, they said that when the fraud investigation on my savings account was completed ( Claim # XXXX ) a cashiers check would be written and the account closed. But as of X/XX/2018 Bank of America told me that since my savings account is closed, Bank of America online claims department can not provide the funds in my account to the fact that the Bank of America RISK Department closed my account already, therefore, making me ineligible for the XXXX fraud liability and having my money placed back into my account. I have documentation to prove that the fraudulent transfers were, in fact, fraudulent due to the fact that the Bank of America Debit Card/ATM awarded me those funds that were stolen from me, therefore, proving by Bank of America 's own investigation that the transfers that were made were fraudulent. Bank of America is still holding me 100 percent liable for service charges. transfers fees, overdraft for all three of the claims.
On XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, Equifax and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
I have been trying to tell this company this debt is not mine. I called the original debtors and they agreed the account is fraud.
PORTFOLIO RECOV ASSOC Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It XXXX Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : I SHOULDN'T HAVE ANY LATE PAYMENTS ON THIS ACCOUNT - NEVER LATE! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XXXX 2016 all my inquiries was removed from my credit report when I reviewed my report today the have reappeared. I was never giving proper documentation that they was reinsert.
Shellpoint Servicing has been informed that they are publishing a Time Barred Debt that is no longer enforceable under the Applicable State laws. They are also making claims to be acting on an Investor named XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. That this firm : Shellpoint Servicing was informed several times over to stop publishing a Debt to the Public that is not valid not true. They are attempting to foreclose on a debt that has an expired SOL and a non enforceable and Stale Debt as well as the underlying debt/and Deed to be outside of the timelines of collections. This false claim is being published on XXXX each month and shows to publish a debt claimed as owed of XXXX XXXX. Please cease this publishing of this debt. Under CA : XXXX ; along with the underlying XXXX being expired : and under XXXX this expired at SIX YEARS. See attached Letter of Explanation. Each attempt to explain is answered in stating they somehow are not understanding what is being said. See exhibits that include the answer by Shellpoint. THE NOTE WAS ACCELERATED BY XXXX ( SEE ATTACHED ACCELERATED LETTER ) CALLING DUE THIS NOTE : AS OF XXXX/XXXX/XXXX. Then after SIX YEARS an untimely claim to a debt : then claiming XXXX Due : however this was filed inaccurately and filed after the expiration of the stale debt by recording a Notice of Default on XXXX XXXX '. This NOD was disputed at the time, however new events of abusive servicing occurred, including stepped up ramped up illegal actions. The topic of this complaint is to state this is a time barred debt as of XXXX XXXX ' AND THAT THE LATER XXXX XXXX ' FILING OF A NOTICE OF DEFAULT WAS TOO LATE TO CLAIM ENFORCEMENT RIGHTS OF AN EXPIRED DEBT. Later in a BK filed in XXXX XXXX XXXX ' it was discharged debt in the bankruptcy. However under XXXX and the marketable records act : this together with XXXX this is not enforceable under the claims being made by the parties named : Shellpoint Servicing : XXXX AS trustee for XXXX XXXX XXXX XXXX : & or XXXX having no right to publish this DEBT as being owed. This is causing to tarnish my reputation in my business, and effect my income. This is slander. Please stop all further illegal collection acts. Remove this Sale Date that was caused by this defective claimed Notice of Default and stop making false claims and release this lien.
They have sent one of their " representatives '' to my place of employment. They are also coming to my home in person.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX SSN : XXXX XXXX XXXX XXXX Regarding : My Experian file : XXXX According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you. I am asking for the following accounts to be verified or removed immediately. XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX.
PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.
WAMU had steered my mother and sister toward an unwanted second round of risky, toxic mortgages, incentivized by larger branch bonuses, relieving both women of their available Heloc capital. Chase now servicing those loans, and profiting from such, refuses after numerous attempts, to explain where the money went even after providing them the HUD docs with circled values. I was told " We will not speak to that at all ''. Chase attempts to tell us that these loans were originated in good faith in the face of the CFPB 's own rules for preventing Originators from Steering Consumers into Risky Mortgages. 
Mother and sister were targeted - a second round of risky mortgages were pushed upon them, thus relieving them of their available Heloc capital, Chase is profiting from servicing these loans, and they will not address on any level the numbers in the HUD documents. These loans were NOT executed in good faith at all as per what Chase is claiming.
While reviewing my credit report, I noticed one account ( only on XXXX ) indicated in collections. The company is : DOCTORS BUSINESS BUREAU. I completed an on-line search and located this company in XXXX XXXX, FL. I have called the listed numbers on the website of this company numerous times and contact has been unsuccessful to date. This is indicating date opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ). To date, I have not received any notices and this collection is only showing on XXXX and not XXXX.
I paid a company by the name of XXXX ( XXXX XXXX XXXX XXXX ) a lump sum of money to start a loan consolidation for me. I found out last week that none of my loans were not consolidated and never have been and I recently filed a complaint on them. Today I 'm filing a complaint on Student Assist Plus witch is a company that XXXX works closely with. I have been paying Student Assist Plus {$30.00} through automatic debt from my checking acct for the loan consolidation. I found out that none of my loans have never been consolidated through XXXX witch is the company mu loans are through. A young lady from XXXX called me about my loans being late again I told them my loans are consolidated. The young lady tells me it is not in her system that they are. I have heard this before. I recently called Student Assist Plus about the same thing, telling them that XXXX has called saying my loans are not in consolidation. The man from Student Assist Plus told me that XXXX is just trying to scare me into paying my loans through them and ask me to fax the papers XXXX sent me. So I did and never heard anything from them. Well this time around XXXX calls again and says the same thing my loans are up for payment. So I explain to the women my loans are consolidated, she says she does not see that information, I began to get upset and ask why do they call me all the time when I have paid to have my loans consolidated. The lady transferred me to XXXX XXXX XXXX. I spoke with a lady there who looked up all my loan and told me my loans are not in consolidation and never have been. Again I spoke with Student Assist Plus and I ask for them to refund me my money that have been drafting out of my account and also the lump sum of money I had to pay to start the consolidation.
Experian is knowingly and willfully placing erroneous and fraudulent information on my credit report. I have sent them the proper paperwork, that shows them the information they are listing on my credit report is fraudulent. 
Experian has somebody else social security number listed on my credit report. Experian has some body else child support account listed on my credit report. Experian has XXXX addresses listed on my credit report, that I have never lived at. Experian has XXXX misspellings of my name listed on my credit report. Experian has XXXX telephone numbers listed on my credit report, that are not mine. 
I have disputed all this information via mail with Experian. I have sent them the original copies of the proper documentation to remove this erroneous and fraudulent information from my credit report. They still will not remove it. Please make Experian remove this erroneous and fraudulent information from my credit report
I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.
This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.
I had a Best Buy card from XX/XX/XXXX, that was owned by XXXX XXXX with debt protection at the time, always paid it no problem, until XX/XX/XXXX, when I had a back injury and started receiving XXXX and filed the debt insurance claim. No problems, Best Buy accepted my claim. Now Best Buy sold their card to Citi Bank and I am being sued for the amount by XXXX XXXX, I guess owned by Citi Bank. Obviously an oversight on someone 's behalf, not mine. I paid the debt insurance filed the claim, and now am being sued. Please help
Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data