WillisBack/dataset-financial-user-claim huggingface dataset:
Today I want to dispute one fee with JPMorgan Chase Bank. 

When I log in to my checking account in JPMorgan Chase Bank, it was overdrawn. I have transferred {$120.00} to cover it. However, when I check my account today, they charged a fee, it was called INSUFFICIENT FUNDS, and it costs {$34.00}. 

But the important is, I did transfer enough money from another bank via XXXX with XXXX after I realized. 

According to the rules in Chase.com : https : //www.chase.com/personal/checking/overdraft-services/standard-overdraft-practice > You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or transferring funds from another Chase account : > At a branch before it closes > At an ATM or when using the Transfer Money option on chase.com or Chase Mobile or using Chase QuickPay with XXXX before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ) Then I found the transferring transaction was done at XXXX XXXX Pacific Time, which is XXXX XXXX Eastern Time. It's based on the email and transaction detail. 

According to the rules about XXXX with XXXX on their website : https : //www.chase.com/personal/quickpay > If your recipients bank is a XXXX member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipients bank doesnt support real-time payments, the money should be available in 1 to 2 business days. 

Which means when I requested the transferring, it already credited to my account before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ). Because XXXX XXXX supports real-time payments. 

If the money credited to my account in next day, which means it is not caused by me. They said it was credited to my account at XXXX XXXX  in next day. This is ridiculous. 

After I called their customer services, even transferred to the manager, they still did not give any resolution. 

XXXX XXXX delayed the transferring credited on purpose, just make sure they can have a reason to charge me an insufficient fee.
NPS, XXXX XXXX XXXX, continues to contact my cell phone. I have spoken with them once, whereas they refused to provide me with any information about who they were collecting for, but told me if I did n't send them {$4000.00}, I would be served with papers the following day. They would not verify the name of the credit or provide me with any information that this was a valid debt. I sent them a letter asking them to verify the debt and also to cease communications with me and anyone associated with me. I have not received verification of the debt and they have continued to call. Today, they called my office and when I told them I could not speak to them at work, they said " Find, we will contact your Human Resources and start garnishing your paycheck. '' They did then call my Human Resources but then hung up on them.
Provided is a receipt of payment to CHASE, in branch, to clear the unpaid balance and up to X/X/2017,  Chase has yet to clear the issue with XXXX  XXXX who is inaccurately reporting a debt that has been paid and was promised to be cleared. In XXXX 2017, I went to apply for a checking/savings account with XXXX XXXX in XXXX, FL. They denied my application for a checking stating that CHASE bank reported a balance of delinquency. After sending proof of payment to CHASE to XXXX XXXX, XXXX XXXX, on XXXX, stated a balance was still showing to CHASE. WHO IS GOING TO FIX THIS INACCURATE AND UNFAIR, PREJUDICED REPORTING. I have been discriminated and the banks are communicating inaccurate information as is reporting on XXXX XXXX.
I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX
To Whom It May Concern : XXXX XXXX had requested a security freeze from your entity. He had spoken to various members of your staff. Equifax had stated that it had sent XXXX XXXX a copy of his pin. XXXX XXXX has not yet received the pin to his freeze. I have asked XXXX XXXX to fax an " Intent To Sue '' notice. I am attaching this notice to the complaint. XXXX XXXX will formally send this notice through the form of a facsimile. If Equifax does not comply with XXXX XXXX 's request, it will be ordered to pay for all of XXXX XXXX 's attorney fees, court fees, and penalties under the Fair Credit Reporting Act. Equifax has 5 days from receipt of the " Intent To Sue '' notice to contact XXXX XXXX and resolve the issue. Failure to do so will result in a subpoena being served to your company. Thank you.
XXXX IS CHARGING FOR UNAUTHORIZED SERVICES. 

They agree, but it can not be resolved unless the Resolution Department deals with it but when you call to get resolution, there are XXXX people in the queue. 

XXXX XXXX is putting me in collection even though I have contacted them at least 5 times since XX/XX/XXXX. The collection agency can not fix this. I contacted them but they say only the XXXX XXXX XXXX Department on can adjust it and there are XXXX people in front of me every time I call.
I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.
They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe XXXX
My student loan servicer, NAVIENT has : Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( on XX/XX/XXXX and second on XX/XX/XXXX ) to DIVERSIFIED CONSULTANTS and requested they only contact me by mail. There has been no response from the debt buyer. 
This account was not opened by me, and I have not resided at the address of the account for three years. The account belongs to the current resident, who has since called and paid the outstanding amount. I informed XXXX, the original creditor who informed me my information would be removed from this account and the current resident would be added but I have yet to see resolution. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by DIVERSIFIED CONSULTANTS regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated
I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do
Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.
In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, www.experian.com a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.
On XX/XX/XXXX we purchase furniture that we returned and the merchant put the money back into our card. Wells Fargo advised us to wait two business days. I did then we called after two business days and the CSR for Wells Fargo stated they see the refund on the back in it still processing to wait another 3 days so I Did after the third day I called the banker stated that for one reason the refund isnt going into my bank account. They were having a tech issue and that he will make the funds available and contacted supervisor. Same was told due to a tech issue the money is stuck and wont transfer to my acct. they made funds available due to me having to wait and their tech issue. Then on XX/XX/XXXX they reverse it. When I called the bankers gave the the runaround for 4 hours and then when I spoke to the claim manager they stated that the atm debit department closed 30 mins ago and she wont do anything my account it negative and I still havent got paid convinietly the dept is close on the weekends
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX  Bankruptcy Discharged XXXX
Strategic Automotive transferred my auto loan with XXXX XXXX back to XXXX XXXX per my request but this company has their auto loan still open on all XXXX of my credit reports which looks as I have XXXX open auto loans amounting in total of over {$22000.00} and it looks like my monthly payments are a total of {$940.00}, double the monthly note and loan.
I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. Ally Financial, XXXX XXXX, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.
Tracking number # : XXXX Mortgage Company : Caliber Home Loans I had a pip break in my kitchen on XX/XX/2018 and I had to file a claim with my homeowners insurance company and settled the claim in late XXXX. We received payment for the repairs of the house however, our finance company is listed. I contacted my mortgage company right away for the steps to take in order to have the payment endorsed. They are requiring a contractor to fix the house in order for them to release payment to the contractor after the repairs are done. The problem is that my husband and I have met with several contractors and non of them are willing to repair my house for the amount the insurance company settled for. I told Caliber Home loans that I would like to have the payment released to us for self repair as it is too expensive to hire a general contractor to repair my home. After numerous documentation forward to them and numerous contacts caliber still insist that their is not they can do for us and we have to get a general contractor even if its more money to fix the house. The resolution specialist that has been handling our claim states that the only way they can release the payment to us is if we send them receipts of the repairs ... .... how can we repair the house if we dont have money??! She even went as far as telling my husband to get a loan to repair the in the meanwhile they may decide to release the funds to us. I have a hole on the outside wall of my house where water is still coming in through, its been a nightmare with this mortgage company. They refuse to make an exception. I need to repair my house because we are still in Hurricane season and XXXX forbid one comes and damages the property even more. Caliber Home Loans has hindered myself and family from living a health and happy life in our home just because they are not willing to make an exception. They also want us to pay for the post appraisal to the residence after its repaired for a fee of {$30.00}. If its documentation that is needed for their file, we as the borrowers should have to pay it. I pay enough. Im going through a hardship now where Ive even lost my job and they still wont help me. All I want is for them to approve my claim and endorse the payment in order to fix my house. I just want to fix my house! Please help me!
I contacted PHH Mortgage on XXXX to cancel my FlexPay agreement as I was refinancing my loan, which was scheduled to close XX/XX/XXXX. On XX/XX/2016 PHH processed my XX/XX/XXXX FlexPay Payment anyway, which not only put my account in jeopardy of being overdrawn and required me to take out a payday loan, but when I called to dispute the charge, I was told that they had no record of me rescinding my FlexPay ( but yet, they somehow knew about the upcoming refinance ) and said they could not refund my money without a letter requesting reimbursement and a copy of my bank statement showing the payment had cleared my bank, and then it would take up to 10 days to " process '' a check. They refused to electronically credit my account even though they electronically debited my account, and they were reluctant to overnight a refund but agreed they would upon receipt of my request for reimbursement. I sent my letter and bank statement to the fax number PHH provided to me on XX/XX/2016. I attempted to call and check on the status of my fax on XX/XX/2016 and was disconnected and then conveniently when I attempted to call again I was placed on eternal hold and then received a recording telling me they were now closed. Today, I emailed PHH demanding status and action, as they continue to be unresponsive, but have no confidence despite my growing frustration and demands, that they will attempt to correct their mistake with any sense of urgency. My refinance has since closed and the original loan has been paid in full as of XX/XX/2016, which means, in addition to the unauthorized debit to my account on XX/XX/2016, there is now an over-payment on my account that PHH has not processed. As a last resort, I have filed a dispute with my bank, and am filing this complaint in an effort to get some action or response from PHH so that my account and the extreme financial hardship and burden this deduction has placed on me and my family, can be promptly resolved.
I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in  XXXX  of   XXXX   through certificated mail and as of today  XXXX / XXXX /  XXXX   it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.
This is in regard to a debit card called access 360 issued by 53rd bank
In XX/XX/2018 i discovered though use of my app that there was money missing from my access 360 card ending in XXXX (this account has been closed), upon contacting the access 360 department i discover there was an unauthorized transaction for $XXXX   charge to my card at a XXXX XXXX in XXXX on or around XX/XX/XXXX. I immediately disputed the transaction and was given case number XXXX and a temporary credit off same amount. Weeks later i notice  the $XXXX i had on the card was gone and my account was in the negative over a $XXXX, after calling their dispute department i find out they took back the temporary credit as they had ruled in favor of the merchant, and sent me a letter claiming why they made such ruling. After a few weeks had pass and not receiving any such letter so i can re-open the case; i kept calling for said letter to be recent and to this date after escalating the request to resend said letter, i have received no such letter. I went and got a police report to re-open the case but the dispute department keep telling me there is a form to be filled out to re-open the case; in which i requested a copy of this form on several occasions but to this day still haven't gotten any such form either. the last time i called  their dispute department i was told to go to the nearest 53rd branch and a copy of form would be faxed to them instead, when i went to the bran and had them called the dispute department; we were told that said form could not be faxed or emailed, it would have to be mailed, an agent at the branch even change my correspondent address to the bank's address so that in case it was a problem with my address then said form could go to the bank and i go pick it up, i called that branch on 3 occasions asking if they had received any such form as yet; but they haven't. i think 53rd bank is a very unorganized bank that probably got my case mixed up or lost; as every time i called i get transferred around in circles. Since then they have closed my accounts for non payments and sent the negative balance to a collection agency; as a result significantly damaging my credit. Also, i received a letter from 53rd bank that there was an unauthorized access of my account by one of their employees; and i am not sure if this could be related to the incident with my access 360 card, i will attach a copy of this letter
account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.
I had a dental issue and paid for it using CareCredit.. now Synchony bank. the account had monthly payments that were supposed to be {$90.00} a month, zero interest for XXXX years. I make bi-weekly payments of {$50.00}. At some point an additional charge was added that resulted in my payments being short and subsequently lead to late fees of $ XXXX/month and interest. I did not authorize this charge. I made numerous attempts to correct this and on several occasions have brought the account current and still disputed the charge that I did not authorize. Finally after nearly a year, they removed the charge but did not correct the fees and interest that had accrued or credit any of the fees or interest back. My account is still short, still being charged late fees and interest ... and my promotional period is about to end which will result in huge charges if not paid in full. They never even sent confirmation of removing the erroneous charge In fact on the same statement the charge they still charged me interest.
Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
XXXX XX/XX/2018 File # XXXX Wells Fargo I gave XXXX  copy of application that Wells Fargo gave me. The application had a different middle initial than mine. XXXX  have been given proof that the account is not mine and still will not take it of.
Transunion shows a 30 day late payment on one of our accounts ( XXXX XXXX XXXX ) In XXXX 2013 we paid our monthly payment to XXXX XXXX XXXX and in XXXX XXXX informed us the payment was late, We showed the bank the check where we had paid on time and they corrected and apoligised for the mix up. XXXX XXXX XXXX dose not report to Transunion and say they can not contact them to fix the problem, Transunion said they contacted XXXX XXXX XXXX and they verified the report, however XXXX states they did not contact them at all. I am sending the XXXX statement where XXXX XXXX corrected the problem. This faulty reporting is causing a financial for us due to the score lowering. Please help us to fix this problem.
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level of fraud by putting this on my credit before contacting me as I have been at the address for years. 

Very shady practice to do that.
I never received correspondence from XXXX XXXX after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from FBCS , Inc sent a letter stating a {$5300.00} was owed on the vehicle, but is XXXX XXXX reporting to CB that  over $ 8k is still owed on account.