WillisBack/dataset-financial-user-claim huggingface dataset:
I got a call XX/XX/XXXX from chase notifying me that my card had fraudulent activity. While I was on the phone I was told someone was still trying to use my card at the same time I was starting a claim and reporting my card as lost. I realized that I must have left my card at a restaurant that I visited a couple days prior to the charges. 

My card was charged on XX/XX/18 {$400.00} from XXXX in XXXX XXXX And {$2.00} from a vending machine in XXXX XXXX Initially the charges were credited to my account and I thought it was over XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that I told the claims department that I had my card on me during the charges but I never told them that. I received another credit XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. 

XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. I do not know where they got the information that i had my card because I did not. 

I tried calling XXXX the customer service and also the store but they were not able to help me. They told me they could not retrieve transactions from the past. 

XX/XX/2018 I received another reversal charge of {$400.00} spoke to the claims departments once again and was told that they will reopen the claim and have someone contact me at this point I am livid because not once did they reverse the charge of {$2.00} that was apart of the same claim. I am ready to close this account because they are not even trying to investigate what happened back in XXXX.
I have a problem with my mortgage modification from Bank of America that I wanted you to be aware of, and to see if there was anything that you could do to help. Simply, Bank of America significantly changed the terms from what I was offered and accepted for the trial modification to what they offered as the actual modification : Trial Modification Offered & Accepted XXXX XXXX XXXX, 2015 XXXX : Interest Rate 2.750 % Months to Pay Off Loan XXXX & I Payment $ XXXXActual Modification ( XXXX XXXX, 2015 ) Interest Rate 5.250 % ( +2.500 %, 92 % higher ) Months to Pay Off Loan XXXX ( XXXX, +17-1/2 years ) P & I Payment {$2200.00} ( + {$30.00} ) I accepted the trial modification terms as offered, thus avoiding formal mediation in Nevada 's Mediated Mortgage XXXX Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. On XXXX XXXX, 2015, after XXXX successful trial payments, Bank of America sent the mortgage modification documents, but with the new terms. 
I signed the documents on XXXX XXXX, 2015 so that I could keep my home, on advice from my bankruptcy attorney. On XXXX XXXX, 2015, the Bankruptcy Court approved the modification, with it entered on XXXX XXXX, 2015. 
The question that I have repeatedly asked Bank of America, and that they seem incapable of answering is : Why did you offer XXXX set of terms for the trial and change those terms for the actual modification? 
Did Bank of America commit fraud or breach of contract with these bait-and-switch modification tactics - and does this constitute misleading financial practices? 
Am I just stuck with this new mortgage? Is there anything you can do to help? I would be more than happy to provide you with all relevant modification documents. 
Thank you for your time and consideration.
XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months
My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.
in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.
I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.
Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.
I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides XXXX XXXX.
a debt collector from consumer portfolio ( cps ) called me, I hung up on him telling him it was a bad time too talk I was driving, he called me right back, again I told him it was a bad time and hung up again. he called me again, I said it is a very bad time I am going too hang up, and I did, he called me again, XXXX times in a row. I asked to talk too a manager, this collector told me no manager was working and he hu. I stopped at a rest area on the pa turnpick and called back, talk too a working manager. she told she would have too listen too the tapes of the call. I asked when I could call back? she sd in a few days. so I did, XXXX months later after a lot of call back and leaving messages I talk with the manager as no one else could help me but her. she sdaid tha she could not hear me well now, so I asked why did the collector call me back XXXX times w/ a XXXX mints, why did the collector tell me there was no manager working, how is he allowed too do this.. she sd she could not hear me ... so I asked again, she told me collectors arellowed too call as many times as they feel they have too, and they do not have too follow the fdcpa because they are XXXX party. it does not apply too XXXX party collections, then she asked who is my atty, that was all she care about.. I asked her too clear this up ... just too make sure, her collector called me XXXX times in a row after I hung up. I asked for a manager and the collector refused too give me XXXX, and he is allowed too do this, she said yes. the laws do not apply too XXXX party
I owed XXXX XXXX {$230.00} front a charge off account on a secured card. I called and paid them. The amount of {$230.00} which includes processing fee taken out of my account on XXXX XXXX 2016. To dated municipal credit card have nut updated my account and when I disputed up with equifax they came back with verification saying that they are reporting correct. In accordance with the FCRA I am requesting that the XXXX be removed on all of my credit report in accordance with the new york state law 5 year deletion law.
I was a victim of a fraud and Bank of America canceled my card and I told me I wasnt gon na be able to bank for the next 5 years. Its been a year I been trying to fix this but I seem to get no where. I have XXXX reports and pictures thats I was fraud with trying to put fake checks in my account.
XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX   XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
I have disputed the validity of the accounts listed below on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Experian. Each time, these items are " updated '' but the " updated '' information is not clear, nor has the account been verified. It is my understanding that according to Section 609 ( a ) ( 1 ) ( A ), of the FCRA, any account posted on a credit report has to be verified through PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT. Since Experian has not provided these documents as requested, I contacted the creditors myself for verification documents ( attached ) .None of the documentation received is in compliance with the FCRA. Especially XXXX XXXX XXXX and XXXX XXXX XXXX-I could 've typed these documents up myself! According to the law, Experian is also out of compliance for not having any signed contracts on file. How do I know these are not fraudulent accounts? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Please reference case # XXXX closed XXXX. Again, I do not owe the balance in reference as on three separate occasions the sewer backed up in the 2nd floor bathroom. Please see case notes from the XXXX XXXX XXXX below as the case was dismissed. 


Case Type Housing Court Summary Process Case Status Closed File Date XX/XX/XXXX DCM Track : Initiating Action : SP Summons and Complaint - Non-payment of Rent Status Date : XX/XX/XXXX Case Judge : Next Event : Property Address XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Plaintiff Alias Party Attorney Attorney XXXX, XXXX, XXXX A Bar Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone Number ( XXXX ) XXXX More Party Information This is tooltip Text. It should display nicely. 
XXXX, XXXX - Defendant XXXX XXXX Attorney Attorney Pro Se Bar Code PROPER Address Phone Number More Party Information This is tooltip Text. It should display nicely. 
Events Date Session Locality Location Type Result XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Summary Process Trial Dismissed Docket Information Docket Date Docket Text File Ref Nbr. 
XX/XX/XXXX XXXX XXXX : Entry of Action filed ( Section XXXX - M.G.L. XXXX XXXX, XXXX ) SURCHARGE Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX Summary Process : MGL Chapter 185C Section 19 ; Chapter 262 Section 2 Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX SP Summons and Complaint - Non-payment of Rent XXXX XX/XX/XXXX Notice to quit filed XXXX XX/XX/XXXX Scheduled Event : Summary Process Trial Date : XX/XX/XXXX Time : XXXX XXXX Result : Dismissed XX/XX/XXXX Event Resulted The following event : Summary Process Trial scheduled for XX/XX/XXXX XXXXXXXX XXXX has been resulted as follows : Result : Dismissed Reason : No one appeared Appeared : XX/XX/XXXX After notice and opportunity to appear for the following event : XX/XX/XXXX XXXX XXXX Summary Process Trial the above entitled matter is dismissed for the following reason ( s ) : * Neither party appeared.. XXXX XX/XX/XXXX Case Disposed Case Disposition Disposition Date Dismissal XX/XX/XXXX XXXX XXXX XXXX  XXXX an equivant company , XXXX XXXX XXXX
a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. I am well aware TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and my rights were violated by TransUnion. I am asking you to help me make TransUnion stop victimizing me. As a resolution I ask kindly for  All  TransUnion inquiries affcted by the glitch to be deleted permanently from my report as a violation took place when they were illegally added.   XXXX  Thanks in advance
Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on this matter.
Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly.
I had a 1 year lease with XXXX XXXX XXXX XXXX. I had notified property management several times about mold, the extremely loud noise from up stair neighbors, and about a loud and continuous noise coming from a piece off equipment attached to the wall outside our bedroom ( owned, operated, and maintained by the landlord ). I requested several times they fix the equipment making the noise as it would go off every 5 -10 minutes. The noise was so disturbing that we were unable to sleep. I was nearly in an accident when i dosed off driving to work because the noise kept me up nearly ever night. At that point I hand delivered a letter to the property management demanding the equipment be fixed or we would be vacating the apartment under CCP 1942. After several weeks of no response and the complex 's failure to make the necessary corrections we vacated the property and were told they understood. This was on XX/XX/XXXX. We did not hear anything from the complex until XXXX/XXXX when we were then told that we terminated the lease early and owed a balance ( 17 months later ) they also are seeking interest for that time. Its my understanding there are new property mangers and i asked them to look at the emails and letter I delivered regarding move out, to which they stated they have no documentation of any communication between myself and the complex. When i asked for the debt to be validated they sent a copy of the lease and a Deposit Disposition,  which indicates that notice was given, yet they somehow no longer have that document. My credit has been severally impacted as well as my wife 's and is preventing us from obtaining credit and incurring unnecessary costs.
At one point, five years into my loan repayment under the PSLF, they suddenly changed my due date, which would 've required me to pay the loan twice in one month. Because I had the money taken directly out of my check, I did not realize this and ended up being put two months behind, thus kicking me out of the PSLF and I had to start from year one. 
Two years ago, I returned to school and was placed on forebearance. During the XXXX break, Navient advised the Dept of Education that I was no longer in school and I had to refill out forebearance paperwork, and also make two months worth of loan payments, with Navient saying I had already applied for two of three forebearances I 'm entitled to. The Dept of Education confirmed that Navient advised I had stopped attending school, even though my FASFA was current, and University XXXX showed me as a full time student.
I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .
I have disputed several times that the frontier account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from frontier sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.
I am asking for clarification on the Fair Credit Billing Act and why Discover believes it is immune from this law. 

Per Section 161 ( 3 ) ( B ), the creditor shall complete a dispute request no later than " two complete billing cycles. '' I filed two disputes for charges related to non-received merchandise on XX/XX/18. Since then, two full billing cycles have passed, but there is no resolution on the matter. 

Discover 's current/most recent " Bill of Rights '' does not address the " two billing cycles '' mandate in regards to dispute resolution : https : //www.discover.com/credit-cards/help-center/assets/BillingRights.pdf Per the FTC 's website : https : //www.consumer.ftc.gov/XXXX " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies.
I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. 
My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. 
So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. 
I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution.
I have been paying my student loans monthly under the IBR plan for 7 years. When I certified my loans with my employers, a new provider, XXXX XXXX, took over my account. They have only given me credit for about 2 and a half years of payments. 

When I call they tell me my file is under review, but that I have been paying for about 7 years. They claim it will take 3 months to finalize the process and correct my account. I call monthly and no progress has been made since XX/XX/2017 ( 15 months ). They give me the same line every time. I am always very courteous on the phone as are most of the customer service reps.