WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately 2 weeks ago, I had been notified of suspicious activity with my Chase Bank account by phone. On this call I was notified that over a span of a day, a check deemed fraudulent was deposited in my account without my permission or authority. 
The check was issued to my name, however was unsigned, proven by photos of the check sent by Chase. The fraudulent check was immediately made available despite its obvious signs of being fake. The suspects then overdrew my account, withdrawing {$2600.00}. Leaving my account overdrawn by {$1600.00}. Chase denied to give me any information regarding the transactions to make a proper police report. they froze my account, leaving me unable to access my money and information regarding the incident. I was on the phone with chase daily attempting to reconcile the situation. Chase approved a fraudulent and unsigned check. Chase repeatedly denied my claim, for a week. I then received a letter in the mail deeming the check deposited fraudulent. Chase then closed my accounts without any warning, and sent me a bill in the mail for XXXX USC of overdraft fees. I am currently XXXX   and am now left with a bill of {$1600.00}, due to chase 's negligence, I am unable to pay for my medical expenses and vital XXXX care for my child due to chase closing my accounts with them after nearly 15 years of banking. 

Check copy sent to me in mail, i can provided upon investigation. 
However, I can not provide any other documents at this moment due to my account being terminated without my permission.
I have reached out to the company and explained to them that I had moved out of residency well over a month until the bill was canceled I also had issues as far as mentally and as well as emotionally with the death of my grandfather and such as well they have record that on the date I moved out I had called to set up a payment plan but evidently not to cancel my bill I have expressed that I have written letter from the landlord stating I had moved out on the XX/XX/XXXX if I have written documentations from the apartment management stating I moved out on the XX/XX/XXXXXX/XX/XXXX2017 they should at least have the decency to retro act the bill for the times I was not living there essentially they are billing me for services that were never used do to the fact I was not living there at least if the company in my opinion and any class and any respect for the customers they would rectified the amount due but they don't want to do it because I supposedly did not cancel for another 1 to 2 months ...
Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. 
Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.
I closed on my house on XXXX XXXX, 2016 using Loan Depot LLC as my mortgage provider. Near the XX/XX/XXXX, I submitted my first payment of {$2100.00} via check to Loan Depot. After I sent the check, and a few days after, I received notification my payment had been purchased by XXXX. My check was cashed as a debit transaction on XXXX/XXXX/2016, and when I called to see why that was the case, nobody on their end had me in the system, nor did they have my address in the system. Despite numerous calls and emails, I have not gotten a response, and my call this morning was actually hung up on mid converstaion.
I had a prepaid XXXX card issued to me as incentive from XXXX to purchase their services. I the card was issued by Citi. I never used the card and infact lost it but I recently found a document with the account number and credit amount. 

I contacted the issuer Citi and spoke to several individuals who reported that the card had expired as of XXXX and the unused balance was surrendered as fees ( {$180.00} ). 

They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint.
XXXX/XXXX/16 We are long time Chase credit card customers with a flawless payment history, high FICO score, and seldom dispute credit card charges. Recently, we were the victims of obvious credit fraud in that the XXXX XXXX XXXX, of XXXX, AZ quoted us a onetime {$85.00} trip charge to provide an alarm/video estimate. This charge was to be shared XXXX by another customer in the area for an amount of {$42.00}. We provided several very detailed letters and enclosures to Chase dispute department to substantiate our claim. 

At the time of authorizing a phone charge, it was confirmed with XXXX XXXX that the charge would be only {$42.00} and he said yes. To our surprise, he charged us a whopping {$230.00} instead. This is obviously fraud as nobody in their right mind would agree to {$230.00} trip charge under the circumstances submitted. It should also be noted that we also never received a product or service from the vendor ( e.g. a formal written estimate for alarm/video mods ). 

Chase dispute supervisor XXXX claims that if we authorize a charge on the phone the vendor can put any amount they want. This is flawed as vendors should only charge what is authorized. She also said we need a receipt from the vendor stating what the charge should have been. This is ridiculous at the vendor is the one that issues receipts and obviously when they want to fraud and steal from unsuspecting customers they will not issue receipts that go against their claims. Our documentation provided shows the trip charge of half of {$85.00} was confirmed by Automation solutions. The dispute department ( esp. XXXX ) failed to accomplish due diligence in the review of our dispute. We also question the dispute process of Chase which seems to favor merchants ' XXXX. Despite requesting for senior mgt. review the dispute dept. charged back our account of {$180.00}. 

The original dispute is encl ( 3 ). The rebuttal is encl. ( 2 ). And the latest communications to Chase via secure email on their web site is encl. ( 1 ). 

Request Chase senior management officials review attached documents and correspondence and whether the vendor agrees or not for Chase to credit back our account {$180.00} posthaste. 

XXXX and XXXX
I recently found out that I had a negative mark on my credit. I have excellent credit. When I found out that Syncrony Bank/Sams Club had a collection on my credit I did n't know why because I have a business account and it is fine. I found out that they had opened an account for me with a small charge for a purchase I made, I thought, on my business account. I never got a bill or notice or even a card in the mail from opening an account. I went to Sams Club and they told me that an account was opened and they had the wrong address. They had part of my business address & part my home. But I do not ever recall even opening this account. They have advised me that it is fixed but it is not still. I need this resolved as this is erroneous and completely inaccurate.
ABC Financial  charge a {$20.00} " Insufficient Funds Fee ''. I called them the same day to offer an alternate form of payment since the credit card on file was reported lost. They refused to run another card on the due date and proceeded to charge the fee anyway. This company rips people off and hides behind fine print in a gym contract. I have asked to sign a new contract that eliminates the fee and they have refused. I do not believe what they are doing is ethical or legal.
Citibank and XXXX XXXX XXXX are implementing procedures that are against our second amendment and impacts law abiding citizens. The banks need to refrain from blocking services that are currently legal. They should also remember that it was law abiding citizens that bailed them out in the not too distant past.
On XXXX XXXX, XXXX I continued to pursue the collecting stolen funds {$80000.00} at Capitalone XXXX branch. In the mean time, I also lost my deposit {$9.00} at this branch. The branch manager XXXX XXXX was extremely hostile to me stating that all my accounts were closed by Capitalone bank, that I am not allowed to access the branch anymore. I have asked him to return my stolen funds especially the huge loss on XXXX XXXX, XXXX stolen by theft XXXX XXXX. He asked my to leave to contact corporate office. I have contact the customer service immediately and spoke with XXXX XXXX, he told me he filed a complaint against XXXX XXXX at XXXX branch to fire him. At this time, I file this complaint again via CFPB to ask my stolen funds to be back. See attached lawsuit. I have nothing to do with this theft bank anymore. DO NOT OWE ME. 
Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : XXXX % based on the lost principle Late fee : {$100.00} per month total {$3600.00} Collection Cost : {$150.00} for 7 times branch visit Time to Spend to Collect : 14 hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX
XX/XX/XXXX XXXX sent an invalid {$90.00} dollar debt to a collections agency named XXXX. This agency was reporting to XXXX. Since the debt was not mine I disputed it with XXXX. After the investigation the account was deleted. This was XXXX XXXX. 

Then in XXXX XXXX, XXXX decided to reinsert this invalid debt and send it to a new collections agency by the name of XXXX XXXX. Reported again to XXXX. I quickly disputed as soon as I noticed it and it was again promptly deleted. 

XX/XX/XXXX, XXXX XXXX reinserts this invalid debt and sends it to a collection agency named XXXX. This agency was reporting to XXXX as well as Equifax. I immediately disputed the account and again like every other time it was deleted by XXXX and Equifax. 

Now presently again for a FOURTH time XXXX has reinserted this invalid {$90.00} debt that I do not owe them. It is currently with a collections agency named XXXX XXXX, who is reporting to Equifax. I have not had a chance to check if they are reporting to XXXX. Of course I disputed with Equifax as soon as I saw the account pop up again. This time for some strange reason the account has been verified by Equifax and now I am at a complete loss for words and have no idea how to handle this. 

I am afraid that I might have somehow done something wrong this time that caused the debt to be verified by the credit bureau. This was the ONLY time out of all XXXX incidents that I picked up the phone and contacts XXXX as well as the collections Agency and told them everything exactly as typed above. I made those phone called the exact same day that I initiated the dispute with Equifax , because it was the agent at Equifax 's dispute department advice to do so. 

I greatly appreciate your help and efforts. Thank you.
I refinanced my mortgage for the amount of {$120000.00} with XXXX   XXXX XXXX  on XX/XX/XXXX. Some time after that the mortgage went to a company called Greentree lending and after that was taken over by Ditech Financial, LLC. I made all of my payments to Ditech until the mortgage was paid in full on XX/XX/XXXX. I made NUMEROUS attempts to obtain a satisfaction of mortgage from Ditech but they repeatedly sent me the wrong one that was for the previous loan of {$80000.00} that I was refinancing onXX/XX/XXXX.  After months and months of frustration and never being able to talk to the same customer service person and because the house was being sold I passed the job on to my lawyer. My attorney was not able to get any results either so they hired a company that specializes in these issues..Again no cooperation from Ditech. In the interim my house was sold and the title company witheld {$5000.00} from my sale proceeds due to the missing satisfaction of mortgage. My attorney tells me that now the title company is attempting to resolve this but I have not seen any sign of hope that Ditech will cooperate. It's been 2-1/2 years since I paid off the mortgage and have had to deal with the effect on my credit as well as not receiving my {$5000.00}. PLEASE HELP!!!
Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?
XXXX, which controls The XXXX XXXX Credit Cards had extended my wife a line of XXXX dollars originally. We had good standing with this card for a long period of time despite the extremely assanine 25 % interest rate. It got to a point where certain interest points of XXXX and XXXX month special financing were dropping off and it was expanding beyond our credit limit and I was paying around XXXX dollars every three months to bring it back down below the minimum balance. After this occurred, XXXX lowered the balance and worked with us to catch it up. There was a disagreement on payment and the account went into collections after they tacked on XXXX dollars more and put us over the limit. Now it is with a collections company called Portfolio Recovery Associates LLC. 

They have been rude, and they have bombarded my phone XXXX times a day with varying phone numbers. They have initially failed to identify themselves until they try to bait me into identifying myself as " XXXX Husband '' to which they ask for no further identification questions. They do not verify that I am indeed who I say I am but then go into how she owes money and disclose personal information. 

This is a violation of Fair Collections, This is a violation of XXXX privacy as it 's advertising that she owes a debt - anyone can pick up my phone and say they are - there are laws to prevent this and I 've been rudely told there are not. 

I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat. 

They have also used auto-dialers on my cellphone a XXXX times to get me to return the phone call to speak to someone. 

Please see their previous and current lawsuits -The XXXX also says that : A pending class-action lawsuit filed in XXXX District Court in California in XX/XX/XXXX claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission. 
PRA lost a class-action lawsuit filed in XXXX XXXX XXXX in New York, and in XX/XX/XXXX was ordered to pay {$350000.00} to about XXXX consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices. 

The Consumer Financial Protection Bureau has received XXXX complaints about Portfolio Recovery Associates between XX/XX/XXXX and XX/XX/XXXX*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include : Threatening a lawsuit or other legal actionImproper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call ) Disclosing the existence of the debt to third partiesContinuing to attempt to collect debt that was not owed or that had been paid. 

This has also happened.
I went through the Federal Student Aid and submitted multiple requests to investigate late payments on my student loan account. Currently XXXX XXXX XXXX is reporting 16 accounts, 120 days past due as of XX/XX/XXXX with all three credit bureaus. I completed my application to consolidated my loans with XXXX XXXX XXXX on XX/XX/XXXX ( E-signed document attached ). The XXXX XXXX  representative failed to mention that any of my Loans were past due on the day I consolidated. On XX/XX/XXXX, according to my XXXX history, XXXX   XXXX XXXX reported all 16 accounts 120 days past due without notifying me of their late status prior to my consolidation. I have documentation to prove this history through my monthly XXXX report. 

I also noticed the Federal Direct Consolidation Loan Application and Promissory Note application I completed online and processed by XXXX XXXX XXXX  expired on XX/XX/XXXX. This online application expired 4 months prior to me completing online on XX/XX/XXXX ( attached below ). Improper documentation could have resulted in my application being process or delayed, or notified correctly. 

XXXX XXXX XXXX  failed to update me on the status of my account and processed expired paperwork that they provide online, before reporting inaccurate information to all three credit bureau agencies. Because I moved from XXXX to XXXX, I did not receive any phone calls, emails or mail regarding any " attempts to contact me '' like they are claiming. 

I have submitted multiple requests to XXXX XXXX XXXX  and through a private attorney to fix XXXX XXXX   mistake. XXXX XXXX XXXX has take advantage of me and has put major restrictions on my future purchasing power due to improper credit reporting. These 16 late accounts have prevented me from applying for anything requiring credit. Until this is fixed, these XXXX XXXX accounts will hinder my financial growth for many years to come. 

I ask that all 120-day past due accounts reported by XXXX XXXX XXXX  be removed from ALL three credit reporting agencies immediately.
i got  two a ccounts with  US b ank with a low rates promotion, and i set up automatic payment from my bank account for more than a minimum payment of {$45.00} every months, then this bank increase my minimum payment to {$68.00}, {$71.00}, {$72.00} and so on without my authorization, due to my bank charge me overdraft protection fees. not even i called them to close the account and membership of {$99.00} a year never reimbursed to me, and receive a lower APR offer to me not he % 16.99 i have currently in other to pay my debt friendly.   i am wondering is nobody can stop this abusing practice to the customers in  USA , and i hope you can help me to find a good solution f my case.   sincerely   XXXX   XXXX    XXXX  account  XXXX ,  XXXX   US BA NK   XXXX   XXXX   XXXX   XXXX   XXXX  , MO  XXXX
Guy XXXX called me repeatedly on my cell phone and my job leaving messages. i called him back because i did n't know what it was. He stated that he was a lawyer and that his client was taking legal action against me because I had committed a crime and that I needed to pay his client today or I would be charged in court for the crime i committed. His number is XXXX ext. XXXX
On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX  credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only. 

I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.
I entered a Chase bank in my city to change a {$100.00} dollar bill into XXXX {$20.00}. I was told that I needed an account at the bank in order to do this. So I went down the street and got change. 
It this an illegal bank policy?
This is not my BELK card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
1. XX/XX/XXXX I received a credit alert from XXXX as I receive alerts with all activity on my credit report. 

2. The alert indicated a collection reported on XX/XX/XXXX in the amount of {$2200.00} from XXXX XXXX with a open date on XX/XX/XXXX and last payment of {$110.00} that stated the balance effective XX/XX/XXXX is {$2200.00} opened with XXXX XXXX. I never even made a payment of {$110.00} as this account does not belong to me and is a fraud account. 

3. I never received any correspondence from XXXX XXXX or XXXX XXXX via mail or telephone. I have no idea who this company is, I have no credit with this company. If you review my credit inquiries I don't even have any credit from these companies at all. 

4. I attempted to contact them at XXXX and they refuse to assist me and said I owe {$2200.00}. I asked for correspondence because I have no paperwork, statements, calls, or anything, as this is not my account and it is fraud. They just stated I owe them this money and refused to provide me any correspondence. I advised them that this is a fraud account because it does not belong to me. 

5. I disputed with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX   found the information accurate and refused to remove it from my credit report and told me to contact XXXX XXXX as I did and they refused to provide me with any correspondence as well. I asked XXXX how they were able to find this collection accurate in one day after each dispute and how did they find this to be accurate as this account was never on my credit report and then suddenly 2 years later they report a collection that does not belong to me. Their response was some companies are faster then others and advised me to file a complaint with you.