WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Bank has frozen my personal checking account since XX/XX/XXXX.This is all in regards to 2 XXXX ( XXXX ) from the same person for a total of {$1900.00}. At the time I had almost {$9000.00} in my account. These XXXX were in result doing a transaction with another person from a legal website called XXXX XXXXXXXX. I am the seller and I was doing business with a man who was to receive {$1900.00} of bitcoins and in return I would receive his payment. One day after the payment was received and after he had his Bitcoin he called XXXX and claimed it was not him that did the transaction but somebody else. When I did the transaction with him I verified him by having him send me by a selfie of himself, plus him holding his drivers license and holding his debit card with his full name on both and he also wrote a note saying he was buying the {$1900.00} of bitcoin and he signed and dated it. I sent Chase absolutely everything to verify these were valid XXXX. Well time went on and I kept calling Chase to get updates and closure and all they did was to keep telling me it was still being researched and the resolution day was XX/XX/XXXX. Well, on XX/XX/XXXX, I called figuring it would finally be resolved, but no, I was still being given the same story that this case was still in research. At that time, I threatened legal help and that is when they put me over to their so called Executive office who assigned me a case # XXXX. About 4 days later I received a phone call from a woman telling me that my account would stay frozen and that they were now investigating 6 more claims. When I asked for more information she would tell me nothing and only that my case was closed and my account would stay frozen. I have NEVER received one piece of mail from Chase about the investigation and NEVER could talk to anyone to try to explain to me the process, etc. I feel like I was never given my due process. And the sad thing Is that I was the one who was defrauded. The only mail that I did receive from Chase were 2 pieces saying that I withdrawal {$1900.00} at an ATM machine and then about 10 days later another letter saying I wrote a check for {$1900.00} that was not good. These descriptions made no sense to me. I am going to attach all the documents that I have sent to Chase and let me remind you, I have never received any type of communication from them ever. I have been a Chase customer for years, had an Auto loan through them and never a lick of problems.
Our clotheswasher broke so went to Sears to shop this was the Wednesday after XX/XX/XXXX ( XX/XX/XXXX ). Very knowledgeable salesman helped us and convinced us that we should open a Sears Account to get free delivery and installation, and other benefits that an " ordinary '' customer would not get. Reluctantly agreed since we have very few credit cards and do n't want any more. 

Took an hour to do the transaction and answered invasive questions such as annual income and SSN ; started getting nervous. Salesman said we 're done, hit a button, and a message printed saying that our credit could not be approved and we would receive a letter within 10 days explaining why. 

Salesman apologized ; said it had been happening a lot lately so if we wanted to use our own credit card, he would give us the same deal we would have gotten with Sears credit card. We said no way : CANCEL EVERYTHING, INCLUDING THE CREDIT CARD APPLICATION. He did it while we watched.

The next day, I started receiving emails from Sears
welcoming me to its Rewards Program. I unsubscribed and deleted them.

A few days later, I received a letter welcoming me to Sears and providing a Sears Account Number. I called the toll-free number and followed instructions to CLOSE the account. It said : ARE YOU SURE?? And I said " YES!!! '' Today, I received a Sears XXXX from Citibank. That is the final straw. I recently applied for a credit card for my small business and was told by my bank that the credit limit was being reduced because I had too much credit outstanding. I now realize it was this UNWANTED, UNAUTHORIZED Sears/Citibank Credit Card that has now impaired my credit capacity. 

This is OUTRAGEOUS : we only filled out the application in order to get our clotheswasher. We then WERE REJECTED by Citibank while at the store so we CANCELLED EVERYTHING : clotheswasher AND Credit Card. Then I get unwanted Sears Rewards membership, unwanted Sears Account #, and now, unwanted Sears/Citibank XXXX. 

By searching the internet, I know others have been scammed in exactly the same way. It is unacceptable scammy behavior!! They need to be disciplined ; I hope your agency can do it.
Capital Accounts is reporting {$2800.00} as a collection account due to a charge off from XXXX XXXX. I have been paying $ XXXX/monthly to this Dr office and was not told until last week that they are a separate entity. One that is not on my provider list for insurance. I have not received a bill so assuming the {$100.00} was taking care of any outstanding balance due. I should not be held liable for this as a collection item and would like it removed from the 3 credit bureau agencies.
To Whom It May Concern : I have a credit card with Discover that i have been using for the last two years. Unfortunately, i purchased a travel ticket via internet on XX/XX/XXXX for the amount of {$1400.00} through XXXX XXXX. The booking number ID is XXXX. The itinerary of my flight was delivered to me via my email address. The airline company is XXXX XXXX. But From XXXX to all the way to my final destination i was booked with XXXX XXXX partner of XXXX XXXX. Once I arrived at the airport on XX/XX/XXXX at XXXX XXXX, I was told by XXXX XXXX employees that they just closed registration even though the departure was at XXXX XXXX. So, I inquired about the need to be booked on the next flight. They refused and said that they were nothing they could not do for me because I did not buy my ticket directly from them. I contacted the customer service of XXXX XXXX through open chat window on their website because there was no phone number to call on documents delivered to me. The customer representative i had, told me no to worry and they will get back to me. I immediately called my credit card company ( Discover credit card ) to inform them of the situation before the plane takes off. I was relieved when the customer representative told me no to worry about anything. They will deal with them. So, I used my other credit card to purchased another ticket for an amount of {$1500.00} from XXXX the same date. I was surprised that few months later I was charged back twice for the amount of {$1400.00}. for a total of {$2800.00}. {$1400.00} from XXXX XXXX XXXX XXXX ( I have no clue what company is that ) and {$1400.00} from XXXX XXXX XXXX. I tried to resolve the matter with them. But I noticed that this has become their routine in stealing from consumers.They sent me documents from the merchands that I disputed. But still they are quick to decide to close the investigation. How could I be charged twice for the same item?
I have disputed with the credit bureaus and Barclays Bank of DE on numerous occasions with no success. Barclays has been reporting a balance of {$820.00} on my credit report on a charge off account that they have written off and sold to a collection agency. I have disputed the fact with them that they are reporting a balance on an account that they have sold to a collection agency and have written off. I have also tried to get this account resolved by sending them a check ( including pictures with my complaint ) the check was in the amount of {$50.00} along with a letter stating if they cashed this check this account was considered paid in full and would be removed from my credit report. I also wrote this on the check. Barclays cashed my check and updated my account by applying it to the balance therefore changing the balance on my credit report to {$770.00} which was not what the terms stated. I am asking that this account be removed from my credit report.
JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account.
Portfolio recovery, a collection agency I have never had any contact with at all of any kind, is reporting a debt to the credit reporting agencies in the amount of {$3600.00}, as of XX/XX/2018.
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I  GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX DEGREE IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS.
5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE ALABAMA XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT.
8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.
My student loan payments are being applied to interest only instead of principal, then interest, including extra payments. I have asked for an explanation from the Navient advocate but have only received meaningless double-speak. Meanwhile, my loan amounts continue to increase rather than decrease. I pay {$200.00} per month.
Although this dated collection from XX/XX/XXXX is not mine I have had difficulty getting it removed. 

As an attempt to settle the matter I sent an settlement offer letter directly to NCC BUSINESS SERVICES INC. on XX/XX/XXXX. 

The 30 day allowed to time for the company to respond has long passed. 

( Letter and Certified mail receipt
I have written several letters of dispute to Experian requesting to remove invalid and inaccurate information from the Credit Report they are selling to their clients about my credit worthiness. I have requested that the company supply me with the method used to verify this inaccurate information in a letter on XX/XX/2018. I did not receive a response to the method used or my questions on how their information was verified but rather a form letter saying it was accurate. The questioned and inaccurate reporting of accounts listed on the report remains as they were. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Equifax removed the historical account and did not remove the historical late payments codes, they also state that the account is {$380.00} past due when it is not i have attached a statement. its clear they 're not verifying correctly.
I reported BOA false charge to my checking account by XXXX in three different transactions. They gave credits initially in XX/XX/2018. 

I received the letter now, stating they will remove {$280.00} from my account. 

I called back XXXX, request not to remove {$280.00} from my account. 

They refused my claim.
I deposited a check from my business account at XXXX XXXX into my personal account after hours at Chase ATM machine for {$150000.00} on XX/XX/XXXX. However, the machine only credited my account for {$150.00}! I went to the branch where the ATM is located and informed the discrepancy to a private client banker on XX/XX/XXXX. He talked with Chase head office and was told that the problem will be resolved by XX/XX/XXXX. I even received a letter from Chase customer claims that " my inquiry has been resolved ''. However Chase refused to release the remaining {$150000.00}. After repeated calls to the branch and customer claims center over the past 3 weeks, I have now received this amount BUT only as a TEMPORARY credit until " they investigate the matter further ''. 
Thus, I am afraid to access these funds since they might take this money back from my account and charge me a fee for an overdrawn account In the past, they have charged me a fee of {$75.00} if my balance falls below {$75000.00} even for a few hours. 
I am enclosing a copy of the original check, copy of my account statement, the letter from Chase claiming that " they have discussed and I have agreed that this matter is resolved " - obviously completely untrue, as well as an email that states clearly that the credit is only temporary. I also enclose a notice from XXXX XXXX stating that my business account was debited for {$150000.00} and NOT for {$150.00} by Chase
Bank of America is one of the worst companies i dealt with. First of all there is no way on contacting them about the claim. I submitted the contract to them, something they asked for and they did not respond to me yet about that. Also they send me a letter saying that quote " The merchant indicated that they had to save you as you had taken the boat in the water too far ''. Can you please tell me what a XXXX is that? How you can take XXXX dollars from you account because somebody said this and said that. Unbelievable unprofessional behavior from a Bank like this. It looks to me that they don t want to bother looking for answers and defending their own client, since its me that has to pay all the money. I would like full investigation and return my money on my account. This is not a game and you can not take me for XXXX  sending this childish explanation.
I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX
On XXXX XXXX,2019 my friend got a call from XXXX XXXX XXXX at XXXXBecause I  contacted lawyers on behalf of a friend I wondered if that was them but I don't recall giving out my friends number. I called back but got voice mail for XXXX. XXXX called me back and transferred me to XXXX XXXX who said they are a law firm and will have to take me to court over GE Capitol Retail Bank/XXXX XXXX credit card for breach of contract. He says the debt is for {$1300.00} but now the amount is {$1600.00} and I can settle the debt for {$890.00}. He said I will only get paperwork AFTER I submit payment and he was recording the line. He did not offer to send paperwork to my email address which he already has on file before I pay this debt. I tried looking them up and seen they represent XXXX XXXX XXXX XXXX in XXXX XXXX. I would still like to see what this {$1600.00} is for if my debt was only {$1300.00}. They should send me the paperwork because I tried to resolve the debt with GE Capitol Retail Bank around 10 years ago and sent payment. XXXX XXXX also said if I paid the {$890.00} it will be resolved off of my credit reports but again I never received anything in writing from him.
Hello Recently I tried renting an apartment in XXXX. The property management said they ca n't rent to me because I owe money to a creditor. I asked her to please tell me who I owe money too because this was the first time hearing about this. She said in XXXX when I lived in XXXX at XXXX XXXX Apartments I owe XXXX. I was shocked and she suggested to call the apartments and find out what happened. So I did and they told me that I 'm not on record for owing money. But they were under new management in XXXX and to contact XXXX XXXX managment. I called a few times and left a message, still no word back. So I call back the realtor and ask if there is a number for the debt collector. She provided me with the number. So I called IQ DATA INTERNATIONAL. I XXXX them and read bad things that I should n't trust them and they are scam company that her assets and bullies people for money. But I still called because I did n't know what was going. Spoke with XXXX, at first she was polite. I explained my situation and said I was willing to pay back the money that I owe I just needed answers. And if I can do payment plans. But then she started changing her tone and being rude. Because I could n't provide her with how much I will pay and why ca n't I pay. Then she started raising her voice at me and I got offended and said I will call her when I have money and she rudely said yes you do that. 

That was the end of the conversation.
I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).
We had a Capitol One Credit Card. My wife had XXXX, and we realized we were over our heads with credit cards, so we turned them all over to XXXX. It has been great, all show current on our credit report, except for Cap. One. They refuse to change their status to closed, they show they utilize 43 % of our income, so we can not get a home loan from anywhere. They say their policy is to show it open and late until it is paid off in full. Their balance is over {$400.00} and we can not pay it in full right now. They kept us from getting a bank home loan and a USDA home loan, I have spoken to everyone I can get to at their offices with no help. They wo n't change it, even though they have been paid their required payment each month for almost 3 years on time each month. We are in our XXXX. We live in a small rental trailer that is very old with a lot of issues that pose problems to our health, well being and finance. We want a small home of our own. When we applied to USDA the first of this year, we were turned down because of this one account. They refuse to show that they have been paid and are being paid through the consumer credit service.
Our loan was sold to this company and we had no warning or say so. The loan was originally in both my wife 's and my name but this company took me off. This past XXXX they failed to send a bill for our mortgage and we did n't notice it until they sent a past due notice with {$77.00} late fee tacked on. My wife called them and they said not to worry, just send the payment. We did. In the meantime, they sent a letter admitting to the mistake. We kept getting late payment notice 's and warnings that we were in jeopardy of losing our home. My wife kept calling them, they said not to worry but, the warnings kept coming. We are now waiting for them to send a corrected payment slip showing the amount due. My wife has had XXXX and ca n't handle the stress. Please do something about these incompetent people.
onXX/XX/XXXXXX/XX/XXXX I bought a XXXX XXXX round-trip airline tickets for myself and XXXX kids totaling {$7300.00} through a traveling agent, XXXX XXXX XXXX on line to XXXX XXXX. 3 days later I noticed the same tickets were reduced by a {$1000.00}. I cancelled the purchase and bought the lesser priced tickets on XX/XX/XXXX ( which I used to travel to XXXX the following year XXXX ) ; Since 3 days have elapsed from the original date of purchase according to their policy, I was denied a refund. However the tickets were valid till the following year (XX/XX/XXXX ) which I used. This amount was charged on my Bank Of America credit card by XXXX XXXX on XX/XX/XXXX. Surprisingly the amount was not charged directly by XXXX ( agent ) which I disputed with the Bank and it was clarified. To my dismay I noticed on the Bank statement 2weeks after my return from vacation on XX/XX/XXXX that the same amount of {$7300.00} has been charged on the card by XXXX. The agent alleged another purchase of 4 tickets to XXXX with the same XXXX XXXX vessel for a departure date listed XX/XX/XXXX and return XX/XX/XXXX. It would be preposterous to go on line to purchase another set of 4 tickets to leave the country with the children in the middle of the school session in Texas when we have just returned. After exhausting my option with the agent 's customer service, I contacted BOA to dispute the charge. I was astonished to know that XXXX  provided the Bank with a forged itinerary that bears the same ticket numbers on the previous cancelled tickets which XXXX XXXX charged. I also observed that the forged itinerary sent to BOA as their prove has no booking reference number or airline record locator which is specific to every ticket purchased which can be trace with the airline. The Bank refused to do a thorough investigation on the dispute despite all the necessary information sent to them and closed the investigation. Furthermore, my XXXX trip account on line shows that the disputed transaction was a " chargeback '' not an actual purchase which I have a documentation of it. I am disappointed that Bank Of America has failed to protect me the consumer, failed to call by phone to verify multiple charges on the card by the agent, has no fraud protection and allowed the XXXX to get away with fraud at my expense. XXXX has intentionally misled Bank Of America in its attempt to retain monies illegally and unethically from me.
My complaint is against American Express with my XXXX rewards credit card. I verified with an agent that I had made enough purchases to qualify for an additional XXXX points and an elite status. When I did not receive the points I called on XX/XX/XXXX and was promised by the supervisor XXXX from XXXX for this to be updated and my points and status to be changed due to inaccurate information given to me by the agent. I made {$50000.00} in purchases but the agent failed to tell me that I needed to make an additional {$23.00} dollars in purchases as they deduct the credit card fee. I spoke to XXXX in Florida and he promised to adjust this. Nothing has happened.
I have received multiple messages from " XXXX XXXX '', Process Server, stating that they have a certified notice of intent to serve papers on an outstanding debit. I know this is bogus because I do n't have any of these. He stated he will be at my home between XXXX-XXXX tomorrow so have ID on hand, put up dogs and remove guns from premises. I spoke with the police department on this.. they confirmed it was a money scam on a former pay day loan, and the phone numbers were from burner cells. Same person has called back using name " XXXX XXXX '' XXXX Now we have a XXXX XXXX who is also XXXX XXXX and XXXX XXXX XXXX 

Calls are coming from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have written transcripts and phone calls if desired.