WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB Staff, Incompetence on behalf of Chase JP Morgan 's phone staff has caused our family almost {$150.00} in losses over fraud. 

I just got off the phone with a supervisor supposedly named " XXXX '' text Chase 's claims department. 

Yesterday we had faxed the requested evidence proving fraud on a claim for the amount of {$140.00}. We have been assured our funds would be returned to us once the paperwork has been faxed in. 

However the supervisor today refused to do so and claimed she could no longer reopen the case. 


This was all due to their phone staff initially failing to take down what I said correctly andand code selecting errors when opening our case!
Received a collection notice from   XXXX   trying to collect a debt of  XXXX  When I contacted them to find out what the debt was for I was told it was on a Citibank Card for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX  Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years.   XXXX   received info from Citibank in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.
Citibank taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did ( speaking to XXXX new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( XXXX ) are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again ) XXXX try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. I am XXXX. I keep all my documents etc.
Equifax has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.
I got an ominous sounding message on my home phone on Tuesday, XXXX XXXX, and I called back 5 minutes later. The person I spoke with would not give me the address of their company initially so I could send a cease and desist letter. Eventually they gave me the address but I 'm not sure it 's correct. The person said I owed some payday loan debts but could n't provide me with a copy of the documents proving I owed any money. I have no idea who this company is or what debts they claim I owe. 5 minutes after I talked directly to someone at the company, calls were made to my mother, my sister, and my work. All XXXX of those calls were unnecessary and a violation of the FDCPA. On Wednesday, XXXX XXXX, I got another call at my work number, and Thursday, XXXX XXXX my sister was called once again. All of these are clear violations of the FDCPA.
I was approved for a short sale with my second mortgage lender USAA on XXXX/XXXX/XXXX and have proof of my lenders approval and a XXXX closing statement showing that i was the seller. However, I have proof that XXXX is reporting this and it is showing up as a foreclosure on my credit report under XXXX. I also understand that the " Date Reported '' can appear more recent due to attempts to get my short sale credit correctly coded. This error in credit code and date has impacted my ability to get a new conventional mortgage after my XXXX month wait time frame. It is causing me to not be able to purchase this new home.
I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid. 

Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act. 

Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day. 

In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods. 

When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.
I've disputed Experian for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
Contacted me  three years after the debt that 's supposed to be mine. was never billed or told that I  owe them any money until about two years after they supposedly was given help or service from  XXXX  was supposedly performed to me. I had insurance for a  XXXX  and they asked me to make an appointment to get   XXXX   XXXX  . I never made the appointment never needed it I saw another  XXXX  and they did not think that I needed any more   XXXX   work so I never made an appointment to get anything done and then they billed me again for having a vavity filled and I never received any other service besides the initial service.
Three letters disputing inquiries as not mine. At no time have a written or visual authorization been submitted by me. This is illegal.     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   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
They call EVERY XXXX and 3 times a day! 
Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. 
As far as I 'm concerned, this is harassment.
To whom it may concern, Bank of America is my mortgage lender for my home. They notified me that an escrow collection will be increased almost by $ 150 monthly since they received two different property insurance policies. One of them is not my policy. A mortgage representative at Bank of America told that I have to contact XXXX insurance company and request them to report that it is not my policy. I contact XXXX and the representative informed me that they can not give any information for the policy because I am not a policy holder, so, the lender has to contact them. Ever, the policy which was sent to my escrow account is a commercial policy which a private homeowner like me is not covered, but, Bank of America did not attempt to verify it with me or the insurance company when they recieve it. This issues was not resolved, yet, and it seems no one wanted to responsible. I am also concerned that Bank of America does not cautiously process a sensitive information with a private financial information.
identity theft/fraud. billed for purchases I did not make by Macys Dept Store. Macys XXXX XXXX. impossible to deal with. 
The original purchase was reported as occurring on XX/XX/XXXX. 
After months of struggle and the help of XXXX and a XXXX/Fraud Claims Lead ( XXXXXXXXXXXX XXXX on XX/XX/XXXX, sent me the email as follows " Dear XXXX, I have sent your claim in for the write off to our bank yesterday. In the meantime, I have sent a clearing letter out to you, resent your credit rating and requested a cease and desist on collection calls. Again, I apologize for any inconvenience this has caused. If you have further questions, I have provided my information below. 
Thank you and have a great week-end. '' I received a letter dated XX/XX/XXXX from Macys that my account has been returned to the XXXX 
I have since tried several times, unsuccessfully to contact XXXX. The people I have spoke with just gave me the run around. I did not make the purchases that they are billing me for. This is harassment and is causing much distress.
On XX/XX/XXXX I contacted my credit card company regarding a purchase I made XX/XX/XXXX, while on vacation in Tennessee shopping at the XXXX XXXX XXXX. I purchased a package of 3 products from a Kiosk owned by XXXX XXXX. A sales rep, XXXX, approached me to demonstrate the product by applying them to my face and after she reduced the price several times I finally purchased the products for {$380.00}, that price was good for that day only. Her sales pitch was that if you use this product you will not need to have XXXX  XXXX or XXXX. After the purchase the sales rep XXXX, said she would email me the instructions on how to use their products. The sales pitch was all about and XXXX XXXX XXXX, " you don't need XXXX XXXX, this product will take care of the problem. '' When I returned home, I opened my products and read the instructions on the packaging, which was not the same thing the sales rep said when pushing her product. I then checked to see if she had emailed me the instructions on using the product. Upon reading the instructions she stated for " instant XXXX XXXX '', use once a week before going to bed, under your eyes, upper lids and between your eyebrows. Clearly this is not what the instructions said on the packaging. It stated " daily application ''. There are other discrepancies. She claimed the product contained XXXX  and XXXX XXXX, but its not listed as an ingredient. I tried the product and did not see the same results as the product she applied on my eyes at the mall. I followed her instructions applying the " instant eye lift '' at night before bed and had an adverse reaction. Under my eyes were all red and had bumps on them. I feel this sales rep has grossly misrepresented the product she sold me. This is out and out fraud. I contacted my credit card company and filed a dispute on XX/XX/XXXX and  also XX/XX/XXXX. All they did was to come back and say that they contacted the merchant and they stated that as per their records the goods sold are of excellent quality and free of any defects. Of course I did not expect them to say any different, but I feel this sales rep has misrepresented the product she sold me.
I am continuing to have issue with this company, and their reporting each month. For the last couple of months I have to call, and complain several times to have my account updated. I made a payment on XX/XX/XXXX and an additional payment was made on XX/XX/18, which made the account paid in full. I have paid off all accounts with this company ; however, it is still showing a balance as of today for {$9100.00}. My account is still reporting incorrectly as of XX/XX/18. On XX/XX/18 I was told by a costumers representative and a manager XXXX that my credit report would be updated on XX/XX/18 reflecting a paid in full amount. I was told it would have to be manually reported. The supervisor also stated she would submit a compliant to the credit-reporting agency. The only way this compliment will be solved is if my account shows paid off in full. This is affecting my life big time. Its showing that I owe so much money and making my debt to income ratio high. I am trying to move into a house, however the processes is delayed due to this account. I was also told I would be given a payoff letter by email.
The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit.
Over the past few weeks/month, I have been receiving a number of phone calls from numbers claiming to be " Harris and Harris '' debt collectors. Looking at my caller records, I received calls from XXXX on XXXX XXXX, XXXX on XXXX XXXX, XXXX on the XXXX, and this morning from XXXX, all claiming to be Harris and Harris. This is extremely suspicious to me since all these calls are from different numbers, and one of them, the most recent one, is a Michigan area code, when the rest are XXXX - I looked up the number on line and one website says that this is XXXX, collections for some Michigan energy company. The first two calls left robot voice mails that simply said " This is Harris and Harris. We are debt collectors. Call us back '' or something to that effect, and the most recent two voicemails have been human and similarly laconic in information. I am only XXXX XXXX XXXX, have no credit card, and no debt other than my student loans that are n't even due for payment until 2019. I am not sure if this is a case of mistaken identity and the agency is legitimate or if there is something more fraudulent going on. I am afraid to call these numbers back and ask if this is just a case of mistaken identity, because if it is in fact a scam, I do n't want them somehow having access to my personal information. The fact that every call has been from a different number is immensely suspicious to me. I filed online informal complaints with the FCC earlier today but considering I did n't go through my phone records at the time, I missed the detail that every number has been different, and I want relatively immediate action taken so I can stop receiving these calls, and any issue of mistaken identity can be resolved.
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data.
I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
TheXX/XX/2017 at XXXX I bought Bitcoins for XXXX ( fees included ) in Coinbase. 
The XX/XX/2017 I was logging into my account and I saw that it was disabled with no reason ( the Bitcoins are in the Coinbase wallet and, if I ca n't log in I ca n't get the money back ). 
They ask me to provide my ID and a proof of residence and I did it immediately by e-mail but a bot replied to it. I have put 3 complaints since then and they do n't solve my problem, they do n't answer me to the e-mail or to the XXXX messages. 

PS : I attach you the things they ask me to provide, just in case you need it.
After a relatively smooth mortgage application process, the mortgage processors have been TERRIBLE. The first two service agents I was assigned have left the company, and I was not notified that no one was processing my application. I have been unable to get in contact with any processors to discuss my loan status, and the closing date is supposed to be in two days. Despite numerous phone calls over the past two weeks, prompt responses to all requests for information ( even duplicate requests ), I have not had any information from TD Bank. I have requested to talk to supervisors, or have someone contact me, but no one has made contact.
I am steady receiving harassing, threatening and abusive telephone calls and death threats from U.S. Bank debt collectors for a debt and checking accounts that was opened up in my name, illegally and fraudulently. I have never applied or opened a checking account with U.S. Bank. I am a victim of identity theft.
Transunion had an error in their system, many inquiries were deleted and a week later it was re inserted, but a legal procedure was not followed. I spoke to customer service, they were very rude saying i was not affected by it. However, I was it was an error in their end. I did not receive any notification regarding this inquiries and that they will be added back to my report. Please help
As a follow-up with the Roundpoint mortgage response to my complaint XXXX I've contacted the mortgage servicer to find out when they going to make a promised 3rd escrow analysis, since in the letter they stated that they have received the tax refund of {$880.00} from town of XXXX XXXX ( that money is the fee the town charged the Roundpoint for not timely paying for the school tax ) and they are in the process to do a new analysis. 
The contact name provided in the letter was XXXX XXXX. 
I did call to speak to him, but he wasn't available so to my request I was told that i will be contacted by XX/XX/18 regarding the new escrow analysis and updated bill. 
Nobody contacted me which is not surprise, knowing how dissmissive their customer service is.. 
which left me no choice but follow with another complaint to CFPB since the firsy complaint helped them to reduce my payment from {$4600.00} to {$2800.00} which i still believe is too high. 
Please respond promptly as my due date to pay is just few days away and i dont want to pay late fee. 
thank you XXXX XXXX loan # XXXX
This number repeatedly harassses me throughout the day, even after I have explained to them that I do not owe any debt, and that they have the wrong person. I have blocked them and they continue to harass me. I do have credit card debt but I make my monthly payments on time and above the required amount. I have nothing that would require a debt collection service and they continue to harass me.
I have requested validation and have never received anything validating this account. I do not owe this {$1600.00} for an XXXX account nor does this company have my name correct. Requesting this account be removed
I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.
XXXX ,  XXXX  and Experian are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.
All three credit reporting bureaus allowed XXXX XXXX XXXX to access my credit report unknowingly and without my consent, for the purpose of collecting on a debt that was for the corporate account and clearly not a personal debt nor personal obligation. To this day it has damage my credit and my ability to obtain new financing. I believe this is a scare tactic and their way of threatening me to get me to pay! Either way the client that he represents never completed the job, so theres no need for the attorney to do all that. He can simply have his contactor come back complete the job and get paid in full! It was absolutely no reason to put this on my credit report and start making hard inquiries on my credit report and damaging my personal credit report all for this! Theres clearly more professional way to handle business matters and this was a business matter once again not a personal matter!
Hello, My name is XXXX XXXX and I have been paying XXXX XXXX XXXX for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that XXXX was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that XXXX said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that XXXX was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my XXXX login information.
i noticed the the company and proved them i was in XXXX when the loan was signed and it came out my report from the original company but i guess this company bought the debt.