WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, my car window was smashed and my entire purse was stolen. My wallet with all my money, credit cards, ID and checks. While at the scene with the Deputy who was writing the report, my DISCOVER card was used at a gas station ( I had received an alert on my phone ). At that exact moment, I told the deputy AND I called DISCOVER to report the fraud/crime. I explained to DISCOVER what had happened, I explained I was at the scene of the crime and that during that time, my card was used at a gas station for about {$44.00} worth of gas. The rep at DISCOVER seemed very apologetic and right away they closed the account and reported the fraud. I gave the rep the POLICE case number, the POLICE phone number AND the POLICE Detective 's name. The rep assured me that I would be protected and NOT be responsible for the FRAUDULENT charge. Fast forward 30 days, DISCOVER continuously failed to return the calls of the DETECTIVE working on my case. The DETECTIVE was able to track the FRAUDULENT purchase along with a video of the perpetrators.However, DISCOVER refuses to return the calls of the DETECTIVE and  investigate the fraudulent charge. I mailed DISCOVER a copy of the police report as well. As of today, XX/XX/18, DISCOVER refuses to acknowledge the FRAUD, investigate the case and denied my claim stating that I am responsible for the charge. After all that was/is provided to DISCOVER, and the DETECTIVE 's calls and report, they have IGNORED it all. DISCOVER has refused to follow through on all of the information and investigate this matter properly. Yet, DISCOVER " claims '' to protects its customers/clients. I need DISCOVER to honor the FRAUDULENT charge, reach out to the DETECTIVE on this case and properly remove this charge and clear my name/credit.
I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX.
I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.
Residential Credit Opportunities Trust V ( RCO ) & CEO XXXX XXXX & XXXX XXXX are in violation of California Home Owner 's Bill of Rights ( CAHBOR ) and ethical violations regarding financial matters. 

At issue is RCO 's refusal to comply with CAHBOR which requires them allow borrower to avoid foreclosure. RCO instead is bypassing all foreclosure avoidance programs and trying to force borrower into friendly foreclosure or deed in lieu. RCO must comply with state law and allow borrower to move forward with short sale. It is understood and accepted that there is too much arrears to be considered for modification however a short sale is NOT a foreclosure as deed in lieu is and allows the state given right to borrower to avoid foreclosure. 

On XX/XX/18 borrower had a phone conversation with XXXX XXXX who very rudely and unethically informed borrower that he would not allow her to modify or short sale her home because he could just take the home and sell it himself. This is a violation of both the spirit and the letter of the law. Investors or servicers can not operate above the law. It is hereby demanded that RCO follow the law and requested the CFPB investigate fully the business practices of RCO as based on the phone conversation with both XXXX and RCO, RCO is out to act as a foreclosure mill and steal people 's homes. This unethical and unacceptable in California and must cease and desist immediately.
I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.
I had fraudulent activity on my checking account. I had to request stop payments to conserve cash to pay my rent. I opened a new checking account but the issues continued and it takes up to 90 days to get money back. 
BMW Financial Services would not take my bank account or debit because of the returned automated processing with changing accounts and the fraudulent activity. They did not provide an easy way to pay them and instead harrassed me and accused me of setting up payments and canceling them. They also charged late payments and reported negative credit. I am working with XXXX XXXX XXXX to draft a letter for the payments due to fraud activity but they are still refusing to acknowledge any issues of this kind which is UNFAIR and UNJUST!. I have always paid them timely. They did not provide me a way to pay online or over email. I had to call and listen to several include a supervisor say accuse me of delinquency rather than provide a way to pay. Of course, being upset, they would not provide the way to pay until just today XXXX/XXXX/2015 by XXXX XXXX after several months of advising of the situation. I had to make a choice, pay rent or pay car. I let them know I would pay as soon as I got the money for the fraud ( I do n't have it all back ) but today I am paying them in full vs having food etc. for the rest of the month. There should be policies in place if you have fraudulent activity that vendors will allow letters from bank to waive the fees and provide an easy way to pay versus harrassing their clients. I am sick with their poor services and chastasizing me. I do n't want to do business with them in the future.
My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) XXXX, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX ( XXXX ) {$130.00}
My credit card was charged without authorization. I have supporting documentation regarding the transaction with an independent auto mechanic, XXXX XXXX, who placed the charge without my authorization and without repairing my car on XXXX XXXX, 2015. My car would not start and needed diagnostics to find the problem. XXXX XXXX XXXX came to my house to diagnose the car while I was at work. Without calling me before doing any work, as requested requested and required by NYS Motor Vehicle Repair Shop Regulations, XXXX alledgedly changed the spark plugs, then took my Chase credit card from the car 's center console and charged it for {$190.00}. When I got home the car did not start. I had to have it towed to XXXX XXXX who diagnosed the problem and found it was bad gas in the tank. The correct service including emptying gas tank and cleaning gas lines was done by XXXX XXXX who was paid in full for repairing my vehicle {$680.00}. After submitting substantial evidence including errors in the XXXX XXXX estimate, no authorization or signature by me to charge my card and violations of multiple sections of the New York State Motor Vehicle Repair Shop Regulations ( see attachments ), Chase has refused to reverse the XXXX charge by XXXX Auto. After giving Chase everything they asked for and spending many hours on my case, ultimately, Chase came up with telling me I had to get a statement from XXXX or a third party mechanic stating that they have reviewed both XXXX and XXXX XXXX 's estimates and offer their professional opinion in order to win this case. The XXXX XXXX XXXX Manager agreed to accept a phone call from Chase, however, he stated his boss would not allow anything in writing. Other local third party mechanics refused to get involved. Chase has refused to issue a credit for this charge. It took Chase over 3 months to get me a final notice of refusal on XXXX XXXX, 2015. The initial complaint went into their system as a quality of service issue, however, one can clearly see through the documentation I was not provided service. I was also not called back after leaving messages multiple times by Chase customer service specialist XXXX XXXX as documented. I even asked XXXX XXXX XXXX if they did change my spark plugs, they can give me mine and keep their plugs as my spark plugs were not the problem, please help!
A woman named XXXX XXXX advertised an XXXX XXXX  on XXXX XXXX. She lied about it, collected {$250.00} from me on XX/XX/XXXX through XXXX, and never sent me a package and refused to give me a tracking number or a refund after lying and telling me she had and then proceeding to ignore my messages and block me on XXXX.
On XXXX XXXX, 2016 fraudulent charges in the amount of {$30.00} and {$35.00} were charged to XXXX. I noticed the charges a week later and made it clear I DID NOT MAKE THEM. Both Barclaycard and XXXX XXXX XXXX insist these charges are mine. There so called proof they showed me shows that the order was placed from XXXX on a day I was at work at XXXX XXXX XXXX XXXX, IL. The college books ordered are not mine. I am XXXX XXXX XXXX and not in school. I work at a XXXX and have explained I can prove where I was at. They are stalling me and not resolving this. I have sent a letter and also faxed it in detail yet this drags on. I can be reached at my cell phone XXXX.
My daughter gave me a Mastercard Debit Card ( it was either for XXXX XXXX XXXX ( XX/XX/XXXX or XXXX in XX/XX/XXXX ). I carefully put it away until I took my grandson out to lunch for his XXXX. Birthday on XX/XX/XXXX. The waitress said the card would not register the {$25.00}. I called Mastercard only to find out that US Bank National Association had retrieved all of the {$25.00}. They directed me to read the find print on the back of the card. In the fine print on the card it said that if it was n't used in 12 months they would deduct {$2.00} a month after 12 consecutive months of inactivity. The card read-valid through XX/XX/XXXX. There had not been 12 consecutive months of inactivity. Even if I received it in XX/XX/XXXX, I was using it in XX/XX/XXXX which would mean only 8 months of inactivity. I could not get them to answer why the money was taken out before the 12 months were up. I wrote a letter to Mastercard at XXXX, NY XXXX on XX/XX/XXXX asking them for an explanation as to why there was no money left on the card The letter was sent back unopened on XX/XX/XXXX. I know this must be a petty thing but it was embarassing and {$25.00} would have gone a long way in helping pay that bill. Plus the fact that they never answered my question about why the money was gone before the 12 months were even begun. This seems like a scam to me.
XXXX XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls
I spoke with a agent from Capital One on XXXX XXXX, 2017 about my account. I explain to agent that i lost my job and was going through financial hardship. Agent told me she understand and they do have a hardship program. I ask how to get started? She said let me see if you eligible.. She put me on hold, came back said you 're eligible. I replied good need it until i find a job! She ask me how much do i think i can pay now.. each month? i told her XXXX each month until i find a job. Agent told me ok.. best to pay something to keep account up and void late fees! So i set up auto pay with the agent for XXXX dollar come out every month. First was to be at the end of XXXX. Payment came out good! about 3-5 day later i noticed a XXXX add to my balance. I call Capital One about the change in my account.. ( XXXX XXXX ) Agent told me i was denied for the hardship program. huh? No one notify that i was denied.. no email, calls. Agent was quiet. I ask can i speak to a Manager? She put me on hold 3mins.. came back said no Manager available right now! One will call you with in 24-48 hours. It been a week no calls.
chase checking XXXX charged XXXX XXXX {$34.00} without authorization for overdraft. chase calls this overdraft insufficient funds. it is not insufficient funds. it is overdraft. XXXX XXXX never authorized overdraft. XXXX XXXX never authorized insufficient funds. the difference is insufficient funds is when i write a check more than the available. overdraft means an outside agent tries to take money that is not available. the difference between overdraft and insufficient funds is that overdraft involves a third party. XXXX XXXX never authorized a third party to take money from his checking account. therefore there can be no authorized overdraft fee. what chase is doing is doing overdraft but calling it insufficient funds to make it appear that XXXX XXXX is to blame. in fact the third party is to blame. XXXX XXXX has complained about this particular problem many many times. chase does not have any permission anytime to overdraft the checking no matter who or what the reason. i will not pay this {$34.00} and if chase refuses to take back this {$34.00} overdraft fee then XXXX XXXX will sue chase. this is a flagrant example of chase stealing {$34.00} by calling overdraft insufficient funds. 
XXXX/XXXX/2016 Fee INSUFFICIENT FUNDS FEE FOR A {$200.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX {$34.00} ( {$200.00} ). 
respond to this complaint in a word document. DO NOT REPLY IN A PDF FORMAT BECAUSE CHASE INTENTIONALLY REPLIES IN UNOPENABLE REPLIES. CHASE IS A CROOK. CHASE BUYS OFF XXXX PARTIES TO TAKE ADVANTAGE OF EACH AND EVERY SITUATION. IF CHASE LOSES MONEY CHASE TURNS TO THE XXXX XXXX ITS PARTNER BECAUSE CHASE IS TOO BIG TO FAIL. I AM DISGUSTED WITH XXXX PARTIES BEING BOUGHT OFF WITH BRIBES BY CORPORATIONS TO STIFLE COMPETITION. WE NEED THE OPPOSITE OF XXXX WHICH MINIMAL REGULATION IN THE MARKETPLACE WHICH WAS SUPPOSED TO PREVENT STIFLE COMPETITION. THERE IS NO COMPETITON AND WE NEEDTHE GOVERNMENT TO DEFEND US FROM STIFLED COMPETITION.
Freedom Mortgage overpaid my Real Estate Taxes for XX/XX/XXXX as they paid them early in XX/XX/XXXX. A refund check was sent back to them on XX/XX/XXXX. The refund amount has still not been applied to my escrow balance, which has caused my monthly payment to increase by over XXXX , because by them overpaying the taxes, it wiped out my escrow balance. My complaint is that it has been over 2 months since they received the check according to my County Tax Assessor, but Freedom Mortgage has no knowledge of the refund being received.
On XX/XX/2018. I received a notice that a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. I have disputed it with the 3 credit bureaus. My account is on alert for fraud, and this may be another one of them. 

I didn't receive a 30 day notice, and I was not aware of this debt. When asked to validate this information, and how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc They were not able too. I sent a letter to them to have them validate this collection account.
In XXXX 2014 I contacted American Express because of health issues affecting my ability to pay my account in the manner I had through the previous thirteen years and I ask for concessions to allow me time to adjust my payment schedule so I could recover and AMX purportedly granted my request and allowed me to pay a reduced amount starting with my XXXX payment. In this program I was to pay {$270.00} per month for XXXX account and $ 1.1 % per cent per month of the unpaid balance on the other account with the {$270.00} put on automatic withdrawal from my checking account and the other was paid monthly by direct payment from my bank also. This went on for five months as I noticed the balances were not declining as it should and I called AMX and questioned why this was so. There reply was that there was also a 9.9 % charge added to the payments. I told them that an inactive account should not be charged interest. Then they instructed me that I had forfeited on my agreement with them and my credit would show a nonpayment disclosure to my credit report. I then tried to talk to someone in authority and could not connect with anyone. After repeated attempts I gave up trying and I hired a company called XXXX XXXX XXXX of XXXX, OK to negotiate and settle on my behalf they were unable to reach any kind of agreement with AMX and now I am in the process of my money being refunded and I need help with these accounts and to allow me to repay without a judgment being leaned against me.
My house is in foreclosure, and I have someone who 's willing to pay off the entire balance cash. I asked Greentree for a payoff amount mid XXXX 2015. They said fax would be 24-48 hours and snail mail would be 5-7 business days. I opted for both. 3 days later I called and was told it takes 7-10 days for fax and 7-10 business days for snail mail. I waited, called back XXXX XXXX, 2015 and was told I was denied but a second request was put in on XXXX XXXX. Why was n't I informed and why is this something I need to qualify for?
I had a major health issue due to failing XXXX and was on XXXX  and as a result missed a mortgage payment. I contacted Caliber my servicer to explain and to try and get them to work with me to reduce my monthly payment since I was having health issues and only able to work part time for a while. Caliber told me they could not help me and that I could not apply for a modification because I was only one month behind. I then sent in the monthly payment and added {$200.00} extra to go towards the missed payment from the month before so I could begin paying this down. Instead of applying the payment to my account, Caliber rejected the whole amount because it was not the exact amount of my monthly payment. When I tried to resolve this I was told that now I needed to pay 2 full monthly payments at once as well as late fees. When I told them I could not do that I started getting the runaround. Bottom line is that I went back and forth with this company for months and never even got them to review my paperwork. They never assigned a dedicated contact and continually misplaced and lost my information. Now I am facing a foreclosure sale date on XX/XX/XXXX. This is completely avoidable -- I have enough income to afford a fair payment, but Caliber, the recipient of hundreds of millions of dollars in bailout funds is ignoring me. 

I have owned this home for over 7 years and have not had issues with the payment until recently. I went through a painful and expensive divorce in 2014. Not long after I had an issue with a past employer and was wrongfully terminated and had to go back to work as a XXXX   for a time. I never missed a mortgage payment during these times, but all my reserves and rainy day funds were used to stay afloat. I have worked in property management for over 15 years and have a steady job and also receive rental income. I have the ability to afford a fair and reasonable payment. The purpose of this complaint is to get my case noticed and made a priority, because the Caliber agents have dropped the ball and not followed through and given me an opportunity to be reviewed for all government, state and internal homeowner assistance programs that should be made available to people in my situation. As explained, I had major health issues due to problems with my XXXX and was on XXXX and incapacitated while recovering. Less than a month after I missed my payment I began reaching out to Caliber to try and fix this, but still find myself facing foreclosure. This is wrong and I am asking that you open an investigation of their handling of my situation.
On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.
I have a charged off account with Wells Fargo and received a XXXX statement. I disputed the account and provided the documentation to corroborate the dispute. 

The account balance was corrected and placed at {$0.00}. 

Wells Fargo did not correct the account with all of the credit bureaus and now added the old balance back to the credit reports in violation of the FCRA and FCBA. 

I have sent numerous letters and it is not corrected.
I received a collection letter from XXXX XXXX stating that I owe a balance to XXXX but they never sent anything before. I sent them a debt validation letter asking for an agreement bearing my signature between me and their collection agency, proof that they are licensed to collect in Ohio, their license number and registered agent, complete payment history on this account along with an accounting of all additional charges assessed, valid copies of the debt agreement stating the amount of debt and interest charges, and also an agreement between them and the creditor that authorizes them to collect on the alleged debt. They failed to produce any of these and also sent me a letter saying the debt is valid with a summarized bill. Not to mention they also sent a preselected exclusive offer for me to get their services which doesnt make since if their claiming I owe them.