WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an email from chase bank in response for a new debit card. I called chase bank customer Sevice and advised them that I received such an email and chase bank ask me to go personally to the branch to report any fraud. On that same day I went to XXXX branch of chase and spoke to an employee named XXXX and he let me spoke to fraud Dept and just advise me to forward the email to XXXX and stated I dont have to do anything. 
On XX/XX/XXXX when I checked my balance my two accounts both checking and saving account was withdrawn in the amount of XXXX XXXX from checking and XXXX from savings Acct. I called chase bank as soon as I found out and filed a dispute about the incident. 
On XX/XX/XXXX I also went to XXXX chase branch to complain and informed them that there were two withdrawals and we found out that transactions were occurred at XXXX XXXX XXXX XXXX, XXXX, nj. On that day The funds were returned temporarily. 
On XX/XX/XXXX I received a letter from chase indicating that the funds thats were returned has been reversed and that chase bank claimed that the withdrawals were made with a chipped card and the return would not be honored. I called the claim dept about this matter but unfortunately they just told me that the card will be impossible to be tampered since its a chip to chip basis. 
On XX/XX/XXXX, I decided to go to the police station and report the incident because my Savings account turned all into negative. 
On XX/XX/XXXX, I recieved a final report from the assigned detective for my case and he exhibited a report based from the video surveillance as an evidence that it was not me who withdrawn the money. I sent The report to chase claim department on that same day but unfortunately the case was still denied and did not honor the report. At this time chase bank has been charging me of XXXX dollars fee for not maintaining the balance and on top of this my checking and savings account are currently negative. 
I am sending this letter to your office to let you know and asking for help since I am a victim of this criminal case and that chase bank has never honored all my evidence since I had received the email despite all the eveidence I had provided. I do believe that my case was not investigated in thouroughly and in a fair manner. Chase bank should have the reponsibility to protect Their consumers. I do believe this is negligence on the part of chase bank by giving my information to this thief without asking proper identification and without giving me proper notifications. 
I am asking for your assistance in this matter and I am hoping that I will have justice in this case. 
Thank you and have a blessed new year Sincerely yours XXXX XXXX
I only first learned of this debt of XX/XX/XXXX when I was notified this collection hit my credit report. I immediately sent a certified letter requesting verification of the debt and information on it as I had never heard of Contract Callers   before. I followed up with a phone call the following day in which I disputed the debt once again and requested verification of the debt. Especially as it was being reported as a new debt with a date of XX/XX/XXXX, when in fact I learned after speaking with them the original date of delinquency for this account with the city of XXXX was close to 8 years prior. Furthermore, at the time I did not live in XXXX, nor did I have an active account with the city of XXXX. Even worse, years after this debt was past due I opened a new account with the city of XXXX without any trouble or notice from them at all. At this time were given my most current address, to which I have yet to receive a single shred of notification or verification of this debt. 

Even worse, Contract Callers has repeatedly violated the FCRA by continually reporting and flagging this account as a collection on my credit reports. Not only have they reported the same debt more than once, they have failed to include that the debt is under dispute or provide me with any notice of my rights, notice or verification of this supposed debt.
Dear  Mr.President, Good  Afternoon. Im reaching out because I have a dilemma with my current account. On  XXXX   XXXX , I noticed there was a debit of approximately $  XXXX  in my  Citigold  checking account. After calling up the Citigold line, I was told this was related to a lien from  XXXX   XXXX   XXXX . Heres a bit of the timeline :  XXXX , I receive a notice from the  XXXX  for a potential lien of $  XXXX . Its from  XXXX   XXXX . When my business closed, our balance with  XXXX   XXXX  was {$360.00}.    XXXX , I go to  XXXX   XXXX  court and file an order to show cause. The judge stops the execution of any liens, wage garnishments, etc.    XXXX , I call up Citigold customer service and they told me to contact  XXXX   XXXX   XXXX .    XXXX ,  I  fax over the order to show cause. It states that as of  XXXX ,  XXXX   XXXX   XXXX   XXXX  the  XXXX   XXXX  cant execute any liens, etc.    XXXX , I speak with Citigold relationship manager and puts me in touch with  XXXX .  XXXX  is very nice and helpful and wants to help. She stated she will call me back on  XXXX . I finally receive the bank hold execution from  Citi  ( almost two weeks later ).    XXXX ,  XXXX  calls me back and according to her management, they cant reverse the decision. They stated because they didnt know about the order to show cause, they executed the hold on my bank account. Unfortunately, the court order to show cause stops the lien, freezing of bank account, wage garnishments, etc.  <P/><P/> Why isnt Citi protecting the interests of its customers? There is a clear violation here. If the court order is stopping any action from the plaintiff, why isnt  Citi  helping me? I dont have millions of dollars, but Citi should be defending my interests. Why wasnt I notified electronically of the hold? I am bit confused as to why I am not getting the help I deserve. The plaintiff & Citibank has violated a court order. Regardless of the timing for the execution, I am in the right here. Please get my money back. I 've attached the order to show cause.  <P/> This is a very frustrating experience and annoyed that I have to do all this to get a desired resolution.  <P/> Appreciate your time and help.  <P/> Please contact me at  XXXX .  <P/> Sincerely,  XXXX   XXXX
I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property.
Called made arrangements as I am XXXX with no income. Got ongoing harrassment..assurances of everything fine with follow up email to come ..never came .several more calls..more threats same thing again..assurances and email to confirm never came. Now all quiet but still on credit report and tried to file credit ( potential ) fraud to XXXX  yesterday ( on separate issue ) and could not remember Navient as potential collector.
XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. 
Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. 
The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX
American express cancelled my account and says its cause of returned checks and I do n't even have any checks I would like to request a copy of the checks that were returned and like my credit line back to normal
On XX/XX/2016 I contacted Convergent Outsourcing Inc. to settle a debt that was not listed on my credit report at all. I spoke to a rep and she explained to me that the settlement is for {$270.00}, which by paying this amount the debt would be considered paid in full and it would be cleared up. I paid it and within the same day I received an alert that they changed my account twice ( they duplicated the payment and my credit card company reverse one of the transactions ). I thought everything was over, but in XX/XX/XXXX I received an alert from my credit monitoring app that Convergent Outsourcing Inc. is reporting this account to all XXXX credit bureaus as a unpaid account. I contacted Convergent Outsourcing and spoke to two different reps ( XXXX XXXX and XXXX XXXX ) and I explained that I paid this debt 6 months ago I have the confirmation and credit card statement to show that I paid it. I also asked both of them why did the company post this account to my report if I paid the account 6 months ago, neither one of them could explain to me what happen. The dishonest from this company and their reps and completely uncalled for. They should be able to report anything to the credit bureau if the account was paid and settled 6 months ago. This account needs to be deleted and an investigation needs to be done to see why this company is scamming customers.
Harassment, Trying to collect more than owed, Failing to send written notice of debt, Failing to verify disputed debts, Ignoring Cease Communication Requests.
I got a letter from experian credit company letting me know that someone had hacked XXXX system stilling information like Social Security date of birth so for that happening they offered me free identity theft I have not had a phone since XX/XX/XXXX XX/XX/XXXX through XXXX but someone has tried to get a phone of XX/XX/XXXX in my name they also tried again in XX/XX/XXXX XXXX bill is for {$490.00} the other bill is for {$2200.00} and this is not me
I have an auto loan with Ally Financial that, per contract, is due on the XXXX of each month. The XX/XX/XXXX payment was made on XX/XX/XXXX Although XXXX is a short month, this is still only 29 days past the due date of XX/XX/XXXX XXXX. Nevertheless, Ally reported me as being 30 days past the due date. The Credit Reporting Resource Guide ( used by all XXXX CRAs ), FCRA, and FCBA clearly defines a reportable 30-day late as being at least 30 days past the billing due date. 
" While a payment is late if not received by the billing due date, it does not become a reportable 30-day late until at least 30 days past the billing due date. ''
on XX/XX/XXXX I purchased a new vehicle and terminated my lease with XXXX XXXX through a dealer pay off. The pay off amount was XXXX. After a while of driving my new car i noticed that the original lease with XXXX XXXXol was still showing as active. I called them in XXXX and was told that they see how the payment was applied wrong and they would fix it. I then received a bill from them in XXXX about the lease. I call them again and they inform me that they would be able to fix it as it was just a late fee because the payment was n't applied properly and they would also fix that to close out the lease. I totally forgot about it until XX/XX/XXXX when I receive a collections call because I now owe them XXXX. I spoke to a manager at this point by the name of XXXX XXXX who told me he would contact me within 24-72 hours. I received no phone call as of XX/XX/XXXX. At this time i decide to call back and see if I can get this issue resolved. I speak with a manager who seemed to be more interested in transferring me to an escalation manager by the name of XXXX. She was absolutely no help as she did not know how to fix the issue or anything. I then get transferred to XXXX XXXX who is with the office of the chair and still no resolution to the problem. I have asked for their NMLS number and was refused it. At this point I am at a total loss of what my next course of action should be. I have now had this on my credit report for one year negatively affecting my credit and it looks like there is no resolution to be had.
I was approved for the $ XXXX limit amex card. After a month I finally decided to use my card. Within a day they froze my account and asked me to submit documents as if I was applying for a mortgage. I felt it was contracts of adhesion so I applied and was approved for another card with without all the hassle and a much higher limit. After canceling my account they sent the account to collections without notifying me. I tried contacted XXXX at ext. XXXX who originally asked me for a numerous amount of supporting documents to keep the account open, but response. They have now destroyed my credit for an alleged {$100.00} balance I owe.
I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX. 
Thank you.
They continually call for me at work which I have twice called and left messages stating I am not allowed personal calls at work but have continued to receive them from the same XXXX XXXX I leave the message with. The only information I have been given is the name of the company which is Midwest service bureau. She calls and leaves messages at work for me but never has she left a message on my personal cell stating who she is or what she wants in addition to her only calling me from a blocked number.
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.
Was charged on XX/XX/XXXX for an item I never ordered, initiated, or authorized in anyway for {$680.00} for visa card with Bank of America # ( XXXX XXXX XXXX XXXX ). The item ( phone in a 1lb. USPS envelope which allegedly was to arrive XX/XX/XXXX @ XXXX XXXX ) I was home that day never seen or accepted any package of sort. I called the Credit Card Company ( Bank of America Fraud Claim Dept. ) and received a letter XX/XX/XXXX saying " ... we consider your dispute resolved and no additional action on your part is required at this time ''. On XX/XX/XXXX I received another letter from BOA Fraud Claims Dept. stating that my address was verified and therefor I am responsible for the amount. Since, I made a police report ( # XXXX ) XXXX PD officer # XXXX, a postal inspector investigation case # XXXX and XXXX XXXX Identity/ Fraud Protection Security Freeze , Alert Investigation # XXXX. I have given all this information to Bank of America Fraud Dept. numerous times via fax, verbal contact, etc. but they are still giving me statement due amount ( s ) including the {$680.00} charge.
On XX/XX/2018 I did a mobile check deposit of {$300.00} to my bank. According to the bank details and transaction balance, the check was posted in full to my account that day bringing my balance to {$320.00}. I also made a payment for {$290.00} which, according to the bank records displayed to me, was deducted and left an account balance of {$34.00}. Despite having a positive balance, the bank charged an overdraft fee of {$37.00}.
Law firm XXXX XXXX XXXX filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in XX/XX/2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!
Recently I noticed that XXXX XXXX had not released my mortgage payment to TheMoneySource as scheduled. I called in onXX/XX/XXXX as soon as I was aware and before TheMoneySource contacted me in regards to my payment. I made a payment over the phone and explained the situation and the representative assured me that this would not be an issue, a day later, upon requesting a credit history TheMoneySource is reporting it as a thirty day late in XX/XX/2018 and ruining my credit. I have since contact TheMoneySource LN XXXX and was told that I needed to dispute the late, so that is what I am actively attempting to do. My payments are made on time every month and this is an unacceptable way to treat a longtime client.
For a long period of time, I have used my amex cards for general purposes. this included purchases of services and goods. Sometimes, it also included using such services as XXXX by XXXX and XXXX. Nobody ever contacted me suggesting me that such was wrong. In fact, both XXXX and XXXX allow for the use of Amex without any restrictions. 

Of late, I made a number of XXXX transactions to pay employees of our company XXXX XXXXt XXXX. this was done without issue, and I often used Amex as my source. I did more of these transactions last week. On Sunday, with no notice, Amex cancelled my card. I called to find out what was happening and I spoke to a number of different reps. Before speaking to the main rep in charge, it was made clear to me that the reason for this was my use of XXXX, as amex said that it was prohibited under the Cardholder agreement. I looked at the Agreement, which I have included, and there is no such prohibition. 

Today, I spoke to rep XXXX XXXX, id XXXX. She confirmed that the accounts were shut down because of my use of XXXX. She specifically stated that it was because I used it to XXXX on two transactions, one to XXXX XXXX and XXXX XXXX. XXXX is my daughter. She is also an employee, and any transactions made in favor of XXXX were in the context of her as an employee. I can provide absolute proof of her status upon request. With respect to XXXX, that was n't for business purposes. Rather, it was to facilitate a purchase that she was making. 

After these items were explained to XXXX, she advised that I also had certain payments that were returned. That was correct ( and I actually advised her of this in advance ). They were from a business account, where someone failed to transfer money in a timely fashion. All of those items immediately cleared thereafter. After that was explained to XXXX, she advised that I had a couple of returned items on my blue card. I explained to her that I had attempted to change payment banks on that, and when the switch was made ( i no longer use the first account ) that issue went away. Then XXXX looked back to XXXX and said that part of the reason related to the return in XXXX. Amex already improperly cancelled me for this and I was reinstated, so it is far from good faith for them to raise the issue now. 

I will note that when I spoke to a person last evening prior to speaking to XXXX, he was very clear as to the issue i.e. the XXXX and stated that he understood my position, which should result in the return of the card. 

I circled back at the end of the call. XXXX reiterated that the reason and only reason that the card was cancelled was because of the XXXX use. With respect to XXXX, there is no basis at all for amex to even have an argument. With XXXX, before Amex goes about closing an account, maybe they should address the issue in their own contract documents. And maybe they could have made a courtesy call to me.
Asked CHEXSYSTEMS to verify information that was incorrect on my credit report. They were unable to numerous times even after numerous times I contacted them numerous times and they still have not verified and put accurate information on my chexsystems report which has caused banking issues.
Credit bureau must provide physical verification of original signed contract, according to FCRA 609 ( a ) ( 1 ) ( A ).
XXXX ran a hard inquiry on our Experian Credit Account without our authorization. We never heard of this company before. We called XXXX XXXX as recommended by Experian but they do no want to assist in getting this unauthorized Hard inquiry removed from our credit report. This is FRAUD.
When I make an extra payment to my Wells Fargo Auto Loan, they are not applying it towards the principal but instead they are taking out additional interest and applying it towards future payments. They advised me that I will need to call them every time I want an extra payment applied towards the principal. On XX/XX/18, I made an additional payment of {$200.00} towards the principal. They only applied {$170.00} towards principal and {$26.00} toward interest. On XX/XX/XXXX, I added {$200.00} extra to my payment and on this one they just extended the next payment date to XX/XX/18 instead of keeping the same payment dates. I have never seen this type of practice done with a lender and it is deceptive to do this.
about 7 years ago i started a cellular service with XXXX the plan i choose was a XXXX minutes for XXXX phones with an automatic cut off when the minutes run out. the store did not give me the plan requested and i end up paying XXXX overtime the XXXX month and when i call customer service they told me that i where going to correct the mistake and change the plan, but that never happened and again the the following month i got another bill for XXXX for overtime, so i pay only the regular plan and cancel the service, then they send me a bill for XXXX early cancellation plus the overtime. 
# 1 the store mistake cost me XXXX five hundred dollars # 2 customer service did not change the plan as i was told # 3 customer service was a bully when i ask for an adjustment # 4 XXXX breached our original agreement # 5 arbitrary they report me to the credit bureaus and my credit is damage.
I have 4 late payments on my credit reports due to incorrect reporting. The late pays are for XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 120 plus days late. I have been trying in vain to have these updated and  removed to no avail. On XX/XX/XXXX I had a live chat with a NELNET representative who looked into my complaint. He agreed that there is an error ... he stated there was an error. The late pays should not be on my record. I was told previously that they would update from their end ( Nelnet ) but nothing has been done. I have filed claims with all three credit bureaus but to this day nothing  has been removed. 
I have a copy of the transcript. These lates have prevented me from getting a car and finding a different apartment. they are causing a lot of problems for me. Please help!
Last Fall Macy 's charged me for an loyalty program I did not buy. 
I asked to have it removed several times. After many months, and escalation to supervisors at Macy 's credit they removed the charge and interest. 
I am now receiving bills again from Macy 's with interest charges with small but incorrect interest charges. 
Macys also failed to update my credit and remove the erroneous late payment information. I can not be late to pay something I did not buy.