WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with Chase on XX/XX/XXXX due to issues with a merchant. {$1700.00} was returned. The funds were used the same day to purchase alternate air tickets so I would not overstay a visa or be stranded overseas. Chase did not contact me in any way then in mid XXXX took the funds back and said I did not contact them. My call, text, email, and voicemail had no messages from Chase. They reopened the claim and refunded the money. On XX/XX/XXXX I got a call from someone in the executive office saying they had a final resolution. I called back as soon as I could and had to leave a message as they were not there. I never heard back from them and the funds were removed again in XX/XX/XXXX. On XX/XX/XXXX I got a call from the Chase claim department as apparently the case was back with them. I returned the call and was asked what the funds were used for and was told they had been unable to contact me. I reported the funds were used for the alternate travel tickets and told them which transactions were for the tickets. I got a call on XX/XX/XXXX from Chase. I returned the call and was notified they were unable to contact me and asked what the dates for the initial travel was and the days I filed the dispute and tried to deal with the company. I provided the dates and notified the person that I had been called and returned the call and gave them the questions asked. They looked at the notes and apologized and said they would add a note that I had actually been contacted. On XX/XX/XXXX I received a call from Chase. I called back on XX/XX/XXXX due to a busy schedule at that time. I was informed Chase had been unable to contact me and thus they were taking the money and was asked for further information. I provided the information and told them again that they had called me and I had called back, and again the person said they were sorry, they had been able to contact me and there was a mistake. I told them the dates and questions and my request to both prior people that they mark that they had been able to call me. I hear nothing back from Chase until XX/XX/XXXX, at which point collections calls. I called back on XX/XX/XXXX and they said they were seeking the overdraft. i told them the overdraft was their fault and was transferred to claims. I told the claims person I was getting the runaround from Chase and that their people were being either dishonest or not doing their job and that it was negatively impacting me. They told me that nobody had called me back previously about any resolution and that they only send emails ( they have never sent me an email related to the case ) and that it was out of their hands and they would do nothing.
Failure to provide me with a breakdown of penalty fees and non standard charges that are being assessed to my account. It has been requested multiple times and not provided.
The property I owed located on XXXX XXXX XXXX XXXX XXXX, IL was sold on a short sale on XX/XX/XXXX The creditor, Seterus, continues to report the account as past due onXX/XX/XXXX, even though as per the documents the house was sold and the title passed to the new owners on XX/XX/XXXX. In addition, they also continue reporting that the house was in foreclosure as ofXX/XX/XXXX, even though foreclosure proceeding never started and the house was sold two months before that. There should be no data reported for XXXX and XX/XX/XXXX.
I sent a LEGAL Notarized affidavit to XXXX, XXXX , & TransUnion disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, XXXX , & TransUnion to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, XXXX , & TransUnion to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. 

UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. 

Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Transunion in their closure of XXXX negligently and willfully fabricated a date of XX/XX/2017 when the factual date of initiation was XX/XX/2017.Proof of this is evidenced in XXXX attachments.Giving the CFPB this false date would obfuscate their 30 day FCRA rule violation if it were true.I have reported Transunion to my state 's Attorney General and BBB.
On XX/XX/XXXX I received a notice of intent to collect a debt by XXXX XXXX. I previously received a phone call from them that they were attempting to collect a debt and requested they send verification of debt. They said I just needed to pay it. I repeated asked for the verification of debt and said that he could send me the judgement against me. It appeared that he was threatening that legal action had or would be taken. If legal action had been taken I thought that the court would have already sent a judgement for garnishment so at this point I thought it was a scam and hung up on the call. When I received a letter from them on XX/XX/XXXX I called again and they requested some information to verify my identity. I did not give it to them, because I still was not sure that this was not a scam. They connected with with a manager and I explained that I wanted to dispute the debt. He said that I should send in proof of settlement to dispute the debt. I asked for proof of the debt from the original creditor and he said that the original creditor was no longer in the picture. He said they had received notice that I owed the debt and I told him that I disputed the debt and asked him to send me documentation that I owed the debt and he kept telling me to send proof from the company that the debt was settled. He said in order to dispute I would need to send proof of settlement. I disconnected the call because at that point he was talking over me. 
I do n't believe the debt is valid, but I do n't have enough information to determine if it is. I did have a credit card account with the original creditor. That credit card was bought by another company, but my account never defaulted. In fact I still have the credit account. If this is the creditor I think it is it shows on my credit report as pays as agreed.
As of XX/XX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with XXXX.
XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from Citibank in or about XX/XX/XXXX,  advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX County, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used Citibank 's credit card. I ask that I be reimbursed the monies taken from my account.
I was charged on five separate occasions in XX/XX/2018 for some special orders at XXXX XXXX. I filed a dispute about these fraudulent charges. Submitted more than enough evidence to show that the charges were fraudulent and BB & t determined after their very poor investigation, that I would not get any money back. This is a scam. BB & t must be working with XXXX to generate fake charges. I have since hired a lawyer and a lawyers have sent letters to BB & t and BB & t did not reply so my lawyers advised me to file a complaint on this site. I am out almost {$630.00}. Bb & t is horrible
I opened a checking account with Citibank and was offered a XXXX Thank You Point bonus if I met certain requirements as outlined in the offer. I have spoken with XXXX different representatives from Citibank about my missing points and nobody seems to want to help me. I am constantly being ping ponged back and forth between customer service and Thank You customer service. I have spoken to representatives XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The most recent interaction started with a representative talking down to me due to the balance in the account saying how I " am not in the right account '' and unwilling to warm transfer me to the other department. I feel as though Citibank does not want to give me these points, even though I have in writing from them XX/XX/XXXX that I have met all the requirements needed. On at least 3 different occasions I have been told the points would be awarded in the " next statement cycle ''.
United Consumer Financial has changed the reporting status of an account included in my Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on   XXXX   was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my  Chapter   XXXX  discharge.
I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.
Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.
I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house. 

Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions. 

Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions. 
My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing. 
I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else. 

Is there anyone on your end who can help me try and navigate through this frustrating process?
Last called was   XXXX   XXXX   XXXX   at my place of employment. Was a recorded message. I have left messages in the past for something in written but nothing was sent.
This is my second time putting together an investigation about this situation I am having with a collection company. I have decided to write a Original Creditors Dispute to whom NCC Business Services has claimed they are collecting for. My situation is that I stayed in the XXXX and I moved out in XXXX/XXXX/XXXX. The Apartment Complex was brought out in XXXX/XXXX/XXXX. I in turn sent the old apartment complex owners XXXX XXXX XXXX. So, that either one the old owner are new owners to see who has hired NCC Business Services to collect on a past due debt. No, one has taken the time out to contact me on behalf of the debt after I have sent both Apartment Complexes a certified letter asking them to give me the information on whom owns the right to collect on this debt. I sent my XXXX letters XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX XXXX. No, one has responded back with whom has the right to collect on this debt and whom hired NCC Business Services to collect on this debt. It has been over 30 days since my letter went out. I need to know what is really going on wit this debt. Because NCC Business Services really do n't have the right to collect on this debt unless it is proven by either XXXX XXXX XXXX or XXXX. I am going to provide the letters I sent out to both the Apartment complexes with the certified letter information. And recording as well to listen to on what is being talked about.
I am a  XXXX . And I dont know what happened with the investigation but I tried this in 2008 and I 'm checking on the process. I ca n't open an back account its intervening with job 's I 'm trying to get, and I have my own family I ca n't do anything.
I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,
This complaint is regarding Synchrony bank 's unfair and deceiving information reported to the credit bureaus. I have several accounts with Synchrony bank, however I have had problems with them lately, which resulted on negative impact on my credit. First, m y PayPal account was upgraded to a paypal MasterCard, a nd it did not mention anywhere that this was a separate account, unrelated, and now financed by Synchrony bank. They reported this as new credit, which i never auth orized a credit score to be pulled . I contacted them and was told ut would be removed from my credit report within 30 days. It is still there. I called every month, the same story. Unbeknownst to me, it appears that my automatic payments I had set  up with PayPal did not transfer to this, and Synchrony did not  send me a bill until late  XXXX   XXXX  telling me i was late on my payment. They reported this to all  XXXX  credit bureaus. I contacted them and was told at first that I was late only 1 month, and they do not report until 60 days. So they did not know why. Then superviser stated that I had been late since  XXXX . My account has been under investigation for theft, yet they did not notify me of anything being due until late  XXXX . Also Synchrony manages the Walmart card. I had identity theft, and someone applied for the Walmart card fraudulently. I contacted Synchrony several times, and gave them all police reports, and each time they promised they would remove this hard inquiry from credit reporting agencies. This was in  XXXX   XXXX . The inquiry is still there. Therefore I have now  XXXX  items from Synchrony that have negatively impacted my credit, a late payment due to misleading practices, a fraudulent inquiry not removed due to incompetence and disregard or else, and an added new account for which  my credit score was pulle d without my authorization. In addition, it is worth noting that that they approved me for furniture purchase credit, and I only used half of it. When however I went to use another {$500.00} they said they would need to get a credit report first even though i had over {$6000.00} available credit.
Seterus inc. my mortgage servicer has taken payments from me over the phone then sends letters saying my account is suspended and the money was put into a suspense account. They have tried to charge me with incorrect fees such as property inspection, that are only allowed if im in default. I would n't be in default if they properly applied payments they have taken from me and put in suspense.When I call I tell them and tell them I want to make my regular monthly payment and dispute the charges they agree and take my payment, then later they send me the letter saying I am in default because the money they took from me is in a suspense account.Meanwhile they keep adding fees including a lock change fee which never happened, they refuse to send me a complete intemized list of the fees. I have ample resources to pay they just wont apply any money taken to my account, they also report me to the credit bureau companys .All I want to do is pay my mortgage they insist I must pay these fees with no chance to even see what they are. Please help me I continue to fall farther behind every day Thank You
Hello, I attempted to purchase concert tickets to a XXXX XXXX concert in XXXX, Texas on XXXX/XXXX/XXXX @ XXXX PM. I responded to an ad on XXXX as someone was selling their tickets at face value. I was communicating with the person via text and they stated that they would send the concert tickets, once I sent a qp ( qualified payment ) via XXXX. I was immediately suspicious and called XXXX XXXX XXXX ( XXXX ). I asked if I would be protected if I never received my concert tickets. The XXXX rep stated that I had two hours to cancel the transaction, so I thought I was protected. I sent {$240.00} electronically to the seller who had a Wells Fargo Account. I transferred the money using XXXX, which was recommended by the seller. Once the money was sent over, the seller stopped all communication with me, and the tickets were NEVER sent. I immediately called XXXX back and was told the seller picked up the funds and there was no way for me to cancel the transaction. 

I opened up case # : XXXX with XXXX ; however, I was horrified to learn the that Wells Fargo would need permission from the seller to take back the money, that was stolen from me.
went online and applied for a BP Credit Card and when I got to the end of the credit card application I received an immediate response stating " In order to complete your application you must call XXXX within XXXX hours to complete your application. '' If we do not hear from you within 7 to 10 days then you will receive a letter from us. I called and it about XXXX Est standard time and a female representative came to the phone and said that my application would have to be done manually so she takes all my information including me disclosing my social, birthdate, address, income and then gets to the very end she comes back and says that she is going to have to transfer me to another department and I asked her what the problem was and she says that she can not disclose that information to me due to the privacy act. So I get transferred and another female rep comes to the phone and says that she can assist me and explains that they are having trouble with their computers, so here we go again and she takes my information XXXX again and I ahve to disclose all my personal inforamtion and when she gets to the bottom of the app she says I am going to ahve to transfer you to a specialty department and I ask her what the problem is and she states to protect the privacy of the applicant, she can not disclose that information and I have to be transferred to a specialty department so someone can speak to me to disclose what the problem is. XXXX I had to disclose my personal information and now they just accused me of stealing my own identity. I told her I wanted her name so that I could get to the bottom of the matter or either she could disclose to me what the problem is and she continues to apologize but due to the nature fo the call she has to transfer me to a specialty department if I want the information disclosed. I finally ask her once more she has a choice and basically refuses to give me her name and tells me that due to the nature of the call that there is a possibility, I am not who I say I am and I would need to speak with the specialty department so further action and attempt of verification could be dealt with. I have never been accused of such in all my life and I told her so and I also told her to cancel the application so it would not be recorded on my credit bureau report. Well they recorded it anyway to my credit Bureau report but that is not an issue but I feel that I should not be treated like a criminal. I still do not understand what all the big deal is and I am embarrased to know that I was basically accused of stealing my own identity. I should not ahve had to go thru the process all over and she should not have told me that could take of it until I was in the correct department and she would not offer to even get her supervisor on the phone which she kept me tied up for 1 1/2 hours. The reference # was XXXX I think this issue needs to be addressed so other good creditors do n't get treated like I did. They should have to pay me XXXX for my humiliation and phone time. This is not the XXXX time that I have went thru this with them but it will be the last.
This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX.
Received a loan for a used vehicle at XXXX XXXX XXXX in XXXX, IL. Since XX/XX/2017, XXXX XXXX XXXX have been reporting incorrectly to the credit bureaus. Since XX/XX/2017 they have consistently been claiming my car payments are late each month, some even by 60 to 90 days. These are inconsistent to what is factual. I pay weekly and even pay extra each week. I have spoken to them on this matter and they keep telling me they will call me and I have yet to receive a call from their manager.
I've had this problem numerous times with Equifax, with them removing an item ( XXXX XXXX XXXX ) only to have it reappear on my credit report. The time before this complaint was back in XXXX complaint number XXXX. I'm getting tired of this, their not following the law of the credit Reporting Act. The latest one was a few days ago, which I'm sending proof of. This illegall activity just keeps occuring.
I filed bankruptcy on XXXX/XXXX/XXXX. It does not show on Equifax. It does show on XXXX and XXXX as it should but now Equifax. My attorney told me I was eligible for a discharge on XXXX/XXXX/XXXX which is today so I would think that it should have been on Equifax by now. I contacted Equifax back early XXXX and they told me there 's nothing they can do. 

Also, I noticed that shortly after I filed bankruptcy, I noticed I had a hard inquiry on my Equifax credit report only. I NEVER reached out to XXXX to purchase anything so they never ran my credit. I called Equifax and they again told me they ca n't do anything about it. I escalated it with XXXX and they said it would be taken off but it has not.