WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX mortgage from Sun West Mortgage Company. After the repairs were completed, Sun West Mortgage Company sent me my monthly statement XX/XX/XXXX for my upcoming XXXX 2016 mortgage payment. The statement showed the unused funds were applied to my bill and I still will have a remaining credit for about half a month worth of mortgage. The statement clearly indicated under please pay amount that it was a negative ( credit ) amount. Because of that monthly statement, I rearrange my finances to cover things I normally did not have room in my budget. On XXXX XXXX, 2016 Sun West Mortgage sent me an email saying I did not make mortgage payment before the end of the grace period ( XXXX XXXX ). I contacted Sun West and they stated it does not matter what they sent to me and pay my bill. They refuse to admit fault. They bombarded me with a lot of phone calls and had someone visit my home twice to instruct me to pay. Sun West stated that the credit is correct, but they applied it to principle. This may or may not be standard practice, but the monthly statement did not reflect that. I find Sun West practices to be misleading, inappropriate, harassing, and intimidating. Still, no one has apologize to me for the mix up. 

Best Regards, XXXX XXXX XXXXXXXXXXXX loan # XXXX
In XXXX XXXX, I had used my card at an ATM twice at XXXX. I had received fraud alerts for a transaction in which I had been denied trying to use my Chase XXXX, and two fraud alerts on my Chase XXXX Credit Card. I had then received a phone call from Chase Fraud Prevention about unknown transactions. I had cancelled my card ( s ) and reported them stolen. The transaction amount on my debit was for XXXX and was for XXXX XXXX XXXX XXXX XXXX  XXXX. This is NOT a legitimate business transaction. This transaction had overdrawn my account and I had notified Chase right after receiving the alert to close down my Debit and Credit Card. Chase gives me the temporary credit, and with-in a week denied my appeal stating that my card was used with the chip, and therefore can not be fraud. 

This is fraud. 
I have no knowledge whatsoever of any of these transactions, and Chase should give me my money back. 
They have no knowledge of whether the EMV chip had been used, or if the card was used manually by entering my Card #, Expiration date, and CSV number. The card was not in my possession so any of the above can happen without my permission. 
In conclusion, my Debit had been charged XXXX USD to a retailer that does not exist and had custom charged their own fee of XXXX Pesos at an exchange rate of XXXX and Chase Fraud will not assist me or provide me the retail name to pursue because my card has a EMV chip, but can not prove that the EMV chip is involved when you can physically enter the information on a card, that is not in my possession. 

Chase Fraud Prevention did not honor my " Zero Liability Protection '' or offer any protection for this transaction. Where they had notified me of other transactions and would have gladly stopped the transaction, this large transaction went by unnoticed and was authorized to be completed.
I used Paypal to submit a payment to XXXX XXXX XXXX XXXX, for a car service on XXXX XXXX, 2015. XXXX advised me later that day that the payment had not been successful, and asked me for an alternative payment method. Meanwhile, Paypal confirmed that I had been charged the cost of the service and that the funds had been transferred to XXXX. To date, XXXX refuses to permit me to use their service because they claim there is a past-due balance for that ride. I submitted a dispute through Paypal, asking them to follow up with XXXX to confirm with them that the payment had been made or, in the alternative, to refund my payment so I could use another payment method with XXXX. Because of the limited functionality of Paypal 's dispute process, I used the dropdown menu for " Unauthorized Use or Transaction Error, '' since it was the only thing that seemed applicable. After all, XXXX does not sell a product for me not to have received or to have received a defective version. I opened the dispute on XXXX XXXX, 2015. On XXXX XXXX, 2015, without having apparently received any response from XXXX to several emails, and without having reached out to me at all beforehand, Paypal closed my dispute because they determined that the charge was not unauthorized. Paypal does not appear to have noticed that I never claimed it was an unauthorized charge, but rather sought their assistance in convincing XXXX that XXXX has already been paid. Meanwhile, XXXX refuses to communicate with me about this issue at all, and does not have a phone number available for contact so I can speak to a real person to resolve my issues.
Good morning, On  XXXX   XXXX   2016 I o rdered  XXXX  pills off of a page on  XXXX . It said I only haf to pay for shipping and handling.   I got a text from my Bank to authorize the transaction. It was  XXXX  amount s :  XX/XX/XXXX   -  XXXX  - {$4.00} ( Declined ) ;  XX/XX/XXXX  -  XXXX  - {$1.00} ( Approved ) ;  XXXX  -  XXXX  - {$4.00} ( Approve d )  The total was {$11.00}.   I accepted that.     A few days later I got the wrong product. It also contained gelatin, which I 'm  XXXX  to.   I sent them an email telling them I received the wrong product, I was told to call customer service.   Being that it was a   XXXX   XXXX  , my mom said to forget about it. She would take the pills.   I thought that would be the end of it.   A few days later I was checking my bank statement and saw to transactions that I had not made.  XXXX  of them for {$79.00} and another  XXXX  for {$69.00}. I was waiting for them to be posted so I could contact the bank ( they were still pending ).   When I called the ban k ( B ank of America ) I was told to call them, the scammers, and ask for a returner address and return the product being that it was never opened and to close my account. When I called the scammers on  XXXX   XXXX  they said there was nothing they could to about it, they do n't accept returns and I was outside of the two week trial. I did n't even know there was a two week trial. That said that when I signed up for it I was accepting to be billed every month. I would have never signed up for it if I had known, I would have paid a few extra dollars and ordered it off of  XXXX .   I was offered a 50 % refund, I kept on fighting over the phone, then a 75 % refund and that was all that could be done. I kept on telling him how it was all wrong, etc. They are scamming people, ripping them off and that 's just not right. I asked them to close any account I did not open with them so that I would never be charged again.   I called my bank back and the person who attended me said that I should just take it, being that there was fine print that they probably would n't be able to do anything about it and I would n't get anything back.   Now I 'm waiting to get my {$110.00} refund.   I still want the other {$37.00} + shipping. I never even received the proper product.   I work very hard for my money, it 's not right for people to just take it away like that.     Thanks.
To Consumer Financial Protection Bureau, XX/XX/XXXX This is the 3 rd complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. 
As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. 
Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. 
I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. 
On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XX/XX/XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XX/XX/XXXX, which again they are ignoring information from the data furnisher XXXX from XX/XX/XXXX, they have requested this information on complaint XXXX and they will review it. 
My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? 
As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. 
Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az XXXX
Closed a store card with  XXXX ,   XXXX   XXXX  , and paid the account in full. Bank charged a late fee despite account being closed and having a  XXXX  balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a   XXXX    balance.
I opened auto loan with capital one auto in XX/XX/XXXX. Over the course of the loan I was charged interest and extra interest for extensions on the loan that was not disclosed to me. During my loan I had several mechanical problems with the vehicle my fifth year being the most costly .The car needed a transmission, computer and other repairs totaling over 7,000.00. I reached out to capital one in XX/XX/XXXX requesting assistance. I was told by the representative that I was unable to receive assistance unless my account was three months behind. My account was already one month behind at the time. She advised me to call back for a program around the 90 day mark. I called in to capital one in XX/XX/XXXX and I asked for available program and I was told that there is no button available for them to push for a program even though my account was three months past due as I was instructed to do by the representative I spoke with in XX/XX/XXXX. I asked to speak with a manager and I was also told that he could n't help me because my loan was at the end of its term and he also explained to me how the capital one system works and how they wo n't offer assistance and about their predatory lending and harsh practices. I called back again in XX/XX/XXXX to seek a remedy and spoke to several people and was later contacted by the corporate office and they failed to send me an email or place anything in writing or assist me with the matter. The young woman did offer to review the calls. I explained to the woman that she shouldnt call but place her findings in wtiting and she said she couldnt do that and that only her legal team could. The represenative called me back anyways after my request was for her not to because of previous issues, i declined to take the call and she refused to put her findings in writing. My account was charged off in XX/XX/XXXX and Capital one continues to bill fees and monthly payment amounts to the account without sending bills or notices which is a direct violation of the truth and lending act. Also contacting a customer when they have a non contact order on the account. I have tried to resolve this issue with the company and their refusal to update my account history and not assist with the loan, their violation of the laws is evident. I am left with no other option than to take legal actions if this matter is n't resolved.
Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.
Disputed this account on all three credit bureaus and asked for validation ... .not address verification. 
Asked for chain of title if account was purchased from another country. 
Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. 

I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. 

I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased.
I received a letter dated  X/XX/2017    from Synchrony Bank where I have accounts, that " a request has been sent to the  XXXX   XXXX   credit reporting agency re questing that the inquiry reported under the Synchrony Bank be deleted from your credit profile ''. There was no contact name on the letter, no record or incident number, no contact info other tha n a   XXXX   XXXX   number i n  XXXX , Ohio. The letter also incorrectly specified a middle initial for me even though I have no middle name. I tried to contact the bank by phone soon after receiving the letter but no one I reached knew anything about it or could help further. The exact wording of the letter is not clear as to what happened ( I ca n't understand it ) but it did trigger  XXXX  other letters from  XXXX   XXXX  and the  XXXX  other major credit monitoring services  (   XXXX  and  XXXX   ). T he  XXXX  from  XXXX   XXXX  referenced the original bank letter, I think, by indicating  " Re :  SYNCBJCP '' but otherwise did not reference the bank by name but did say that the " above creditor ... received a credit application containing your name and social security numb er '' ( more information than was in the banks letter ).    This whole think has caused stress and concern for myself. I would like to think I am sophisticated about these things but I am not sure this is some kind of scam or not. Initially I thought so but since the bank 's letter preceeded all of these notifications from credit reporting issues about an " incident '', I am not so sure.   I would like some knowledgeable person from Synchrony Bank to either confirm that the initial letter was a scam ( that somehow triggered the letters from credit reporting agenc ies ) o r, if not, please detail what happened, especially if someone has tried to use my information to apply for credit.   Thank you for your time and consideration.
I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

Equifax and XXXX are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report. 

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
I have an American Eagle credit card. I have been locked out online. I ca n't get in touch with a person to help me. I know I owe something but I ca n't verify the charges to pay. I called the woman who spoke with me kept interrupting me and hung up on me. I have not gotten anything in the mail. I have not received anything. I do n't know what 's going on. No mail, no calls, no email. I need to speak to someone to find out what is going on.
Midland Funding,  who has bought the credit card from   XXXX   XXXX  . I have already complained about this. They response was that yes I had debt protection insurance and that the claim was notated by the company, but now  Midland Funding  is garnishing my wages. I will pursue them legally and counter sue if this is not remedied. They are sneaky and disgusting, They already stole  XXXX  from us when they attacked us for a debt my husband did not owe. Obviously they are doing work for the  XXXX .   If you refer to my former complaint about the   XXXX   XXXX   account that is what this has evolved into.I have been  XXXX  since   XXXX   due to the negligence of a physician and hospital, which is why I used the debt protection. What good is paying the debt protection monthly and then not be able to use it when the situation happens.
COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Choice Recovery was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Choice Recovery placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and XXXX XXXX ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly validating the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
XXXX XXXX has double paid on the yearly taxes for our house. We have noticed that Carrington Mortgage Services , LLC did not recognize the payment at all and their still making us pay monthly. We didn't know that we did not have to make the payment and they were gone take it out over a 12 month period. We went to the XXXX Tax Collector and they told us that they sent our payment to Carrington Mortgage Services because their records showed that the taxes had been paid. They should have sent the payment back to XXXX XXXX. They told us that Carrington has our money, but they are saying they never received it. So far XXXX Tax Collector and a lawyer both tract the cashier check to Carrington Mortgage service. Can you help us get our money back from Carrington Mortgage Services. We paid with a cashier check from XXXX XXXX XXXX XXXX check # XXXX for the amount of {$3300.00}.
My mortgage company ( Ocwen Loan Servicing ) claims to be reporting my mortgage payments to XXXX XXXX, but XXXX XXXX states they have no record of my account. I have disputed this with XXXX XXXX and have been informed that there is nothing they can do because Ocwen is not reporting my account information to them. Ocwen has sent me a letter stating they are reporting me to XXXX credit bureas, including XXXX XXXX, although XXXX XXXX states they have no record of my account number. I have forwarded this letter to XXXX XXXX and they still insist there is nothing they can do because Ocwen is not reporting me regardless of what Ocwen 's letter states. My wife and I have spent hours going back and forth between Ocwen and XXXX XXXX and are getting nowhere. As a result, our XXXX XXXX report shows no record of mortgage payments causing us a great deal of difficulty with our credit.
This collection agency was asked to remove this collection from my credit report after being paid in full and has stated that they could not remove this item. That was an un-true statement. Other collection agencies have removed the collections from my report after being asked to when paid in full. This collection agency is being difficult for some reason. I am no longer liable for this utility account.
XXXX, MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX XXXX : Macys Amex account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX