WillisBack/dataset-financial-user-claim huggingface dataset:
I recently filed a complaint against Chase Credit Cards ( Chase Bank ) and am still awaiting a resolution. The number of that complaint is : XXXX ]. Since filing this complaint, another serious issue has surfaced. I just got a new credit card from Chase with a new account number which is unacceptable because I did n't know of any problems or that my account was compromised in any way. When I called Chase Customer Service this morning to find out why I received a new card and new number, I was told that fraudulent charges appeared on my account. I never reported any fraudulent charges and I check my account on line several times a day and never saw any signs nor did I have to report any fraudulent charges on my account ending in XXXX.. About 6 months or so ago, I did report a fraudulent charge on my account ending in XXXX that came from XXXX and realized at that time they were going to issue me a new credit card with a new number. Although it was inconvenient, I knew I had no recourse. However, at this time I am adamant about Chase advising as to who reported a fraudulent charge and/or who the merchant was that posted the charge to my account. Chase is overstepping their boundaries as far as I am concerned and making changes that should not be made to my account. This is causing me a great deal of stress and aggravation because I have debits coming out of my account ending in XXXX and do not want to be embarrassed by having the charges declined. I am also going to contact an attorney to see if I can get a final resolution of this matter. I only disputed a few charges for not getting the product ( s ) that I ordered but certainly not because of any alleged fraudulent charges.
Portfolio Recovery DID NOT DISCLOSE THE DATE OF THE LAST ACTIVITY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the DATE OF LAST ACTIVITY TO XXXX, XXXX   OR XXXX credit agency. In Portfolio Recovery response to previous complaint, they only stated this XXXX adverse account was opened in XXXX and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the DATE OF LAST ACTIVITY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the DATE OF THE LAST ACTIVITY. The bill statement does not reflect any activity of the account holder. I formally request this account be removed from my credit report.
Im am writing in reference to a released tax lien that is reporting on my Equifax credit report as The lien has been released as of XXXX 2014I have filed numerous disputes in having this public record removed both by phone and by mail. Most recently XX/XX/XXXX which Equifax stated they obtained public record items from local, state and federal courts through a third party vendor. Equifax also stated : they reviewed the lien information and verified the public record item is reporting correctly.They further instructed me. that if I have additional questions about this item please contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA. Under the new law effective XX/XX/XXXX any public record data must include name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the information and per that law the released tax lien listed does not include all the required information and should be deleted from my credit file.
My son died in California XX/XX/2017 now since my sons account has been suspended they say they can not do chargebacks on charges that happened after his death. His account has been debited up to 5-times since his death. Nobody else had his debit card.
Ocwen Loan Servicing refuses to cancel private mortgage insurance on our loan, despite a loan-to-value ratio below 30 %. Their justification is an inaccurate, erroreous broker 's price opinion.
I sent off dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.
Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account.
I keep getting charged for interest charges at a high rate because of alleged one missed payment a while back and the interest rate does not match the amount I am paying. I would like to dispute that missed payment
I have had issues with the Chase bank in the past and nothing has been done about it. They now say they can not see the same transactions that I can when I am at my online portal. Just yesterday I made some transactions and has a positive balance of XXXX remaining. Today there were XXXX negative transactions on my account equaling over XXXX. I am not rich and I am honest. The accounting practices at the Chase bank in XXXX are quite questionable. I have been double debited for transactions ... .I have made this complaint within the past 6 mos as I have lost much hard earned money that belonged to no one but me. I am a tax payer and a citizen of this country. I am becoming very frustrated that when seeking assistance with the transactions against my account I am told by the customer service agent at time they can not see what I see .... in the past I submitted a complaint against Chase and all they did was send me their " Forward Facing Documents '' I assure this is not what is exactly going on. I am again out of money they say I owe them ... but I beg to differ their document they sent is forward facing as its what they want the public to think as they are legal in their transactions but I assure you they are NOT! why the customer and their ways, method, excuses and transactions are quite different and certainly not acceptable is what I want to reveal and I certainly want all of my mistakenly overdraft fees, my double debited transaction placed back into my account I have been a customer for past three years and I most certainly want to close out this account as its is bleeding me dry and I am having financial hardships due to this and no one seems to be able to decipher this at all I want assistance and to compensated for my time and financial hardship that this is causing I am nonetheless being forced to close my accounts with this bank and it is quite frustrating.
My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update.
I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX. 
I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( Equifax, XXXX and XXXX  ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
I am experiencing financial hardship and I have taken steps with Navient to try to remedy the situation, but they continue to call my cellphone about 9 times a day from XXXX or XXXX different numbers. This has been happening for the last ten weeks, at least.
With PayPal, I tied to use the credit account that I have with them through their site, of which I was logged into. They declined my transaction using their credit by stating in a later email that they were unable to verify me, but had no issue in using another payment source without this verification. Which states to me that I am not carefully verified when signing into there site with my personal banking account attached, and need additional verification. The site didn't request any additional information for verification, just flatly declined my transaction and therefore would not allow me to use my credit account allow approved. This is a very deceptive practice, feeling like a bait and switch, as this credit usage would have allowed better financing terms and conditions of no interest for 6 months. Very upset with this.
I applied for and received a TD Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from TD Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called TD Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been " coded incorrectly '' so I was only receiving 2 % cash back on " eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted TD Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with TD Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience.
They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.
Hello : I want to submit a complain against Transunion, because they don`t care about those 3 inquiries that they put on my account without my concent. They got off their sistems and put this information in my credit report. The Seccion 610 of fair credit reporting act states that anything deleted from your credit report and is reincerted need to get a 5 day notification after this item is reinserted. Also I had contact the companies, sent them a c. Letter and never get answered.I call the boreou and they told me that they will not do nothing without the letters, they don`t care at all. I don1t gave any account with them and I don`t have any debit with them. 


XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please, I need your help to get it out of my transunion report, because it is a fraudulent act against me.
Green Tree Servicing LLC recently acquired my mortgage. On the date of transfer, XXXX XXXX, I had not received a mortgage statement, or instructions on how to make a payment. After speaking with a representative, Green Tree insisted that I pay a {$12.00} fee for making a payment over the phone or through their website. My previous mortgage company XXXX Bank allowed automatic payments through their website for free. 

Green Tree was unprepared to collect payment as of the loan transfer date. Green Tree has made no effort to contact me in regards to how to make payments. The only correspondence I have received in this matter is from my previous servicer. I have wasted 2 hours dealing with them today.
XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX acc # XXXXExperian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 2000. 


I recently submitted a request for investigation of an Acct Number : Account name : XXXX Account number XXXX .... 
Account name : XXXX PAYMENT SYSTEMS Account number XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have not reticulation of this debit on the facility this company represents i have not myself been too.
I purchased a home XX/XX/XXXX. Leading up to the process XX/XX/XXXX I talked to a few lenders. I work in XXXX and am very familiar with the mortgage/home buying process. I was interested in a conventional XXXX fixed mortgage for which I would make a 5 % down payment. I selected Wells Fargo. 
Because of my down payment amount, I knew I would be subject to private mortgage insurance ( PMI ). I was always told by the mortgage banker at Wells Fargo that after XXXX years I would be able to eliminate mortgage insurance if I could show that I had at least 20 % equity ( Loan-to-value ratio of 80 % or lower ). 
XXXX years elapsed and I went to get an appraisal. Wells Fargo then notified me that I would need to have 25 % XXXX. When I asked why it was not 20 % as had been told to me before and during loan closing, they said that it had changed to 25 % because of the pool of mortgage backed securities the loan was sold to. 
Of course I then called Wells Fargo to ask what was stated regarding PMI in my loan agreement. They said that the ability to eliminate PMI based on increased market value was not in writing, since it could change post-closing. I think it was inappropriate that this fact was not disclosed to me at any point during the mortgage process. 
While I understand that as part of the mortgage process I consented to the resale of my loan post closing, I think it is inappropriate that I was negatively affected economically because of the party that Wells Fargo had decided to sell my loan to. My mortgage insurance was {$250.00} per month and I was always told that if market values increased I would be able to get the PMI removed after 24 months and having reached 20 % equity. If the fact that it could change without my consent had been disclosed I would have sought a lender that would have maintained the requirement of 20 % equity for early PMI removal. I spoke to my XXXX and he had never heard of the 20 % equity requirement changing to 25 % equity post closing of the loan. 
My loan balance when I got the appraisal was approximately {$300000.00} and the appraised value was {$410000.00} XXXX I had 24.6 % equity ). I was required to make a paydown of {$1800.00} on my loan. While I was able to remove PMI with a paydown I could afford - I know this might be happening to other Wells Fargo clients and I think they should receive compensation if a loan resale decision affects them economically.
On XX/XX/XXXX, I went to BofA XXXX XXXX, TX branch to close my safe deposit box. The banker, XXXX XXXX, took care of that. Before I left, I asked him when and how the {$25.00} deposit for the keys would be refunded since i returned both keys. XXXX XXXX told me that the deposit would be refunded automatically within a couple of days. 

However, I still have never received the refund by now. I contacted customer service ( XXXX ) twice ( once on XX/XX/XXXX, the other on XX/XX/XXXX ). The CSR either told me to wait, or asked me to contact the branch. The branch is not close, and the hours are ridiculously short ( XXXX ). During the conversation on XX/XX/XXXX, I requested the CSR to help open a case, and let the manager who is capable of handling this small issue investigate and contact me. The CSR agreed, and promised that the manager from the branch would contact me within 2 business days. 

Unfortunately, that never happens. It's XX/XX/XXXX, 9 business days after my last phone call with BofA, there has still been no contact, no apology, and no resolution for the refund. Earlier today, I sent a XXXX complaint, and some reps from BofA social media team contacted me. XXXX from that team called me, all he did were crediting me the deposit but no apology and explanation. He started arguing with me after I questioned him regarding the complaint/ How can a consumer bank handle business and customer complaint in such way? I'm looking forward to hearing some explanation from the executives of BofA.
Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.