WillisBack/dataset-financial-user-claim huggingface dataset:
JPMorgan Chase Bank , N.A . charged my checking account {$200.00} in overdraft fees ( XXXX {$34.00} fees ) during a two business day window where my account was overdrawn and funds I was wiring into the account had not cleared. These charges are excessive and unconscionable, and in two instances were several times the amount of the transaction that triggered the overdraft fee. The Chase representative, XXXX, refused to reverse the charges. 

XXXX cell : XXXX
On XX/XX/XXXX I sent a domestic wire transfer of {$6600.00} to fund my account on Coinbase currency exchange. On XX/XX/XXXX Coinbase accepted my wire transfer, charged me a {$10.00} fee for accepting the transfer, and then disabled my accounts ability to use those funds on the currency exchange. I contacted Coinbase customer service on XX/XX/XXXX to request this issue be resolved. I received what appears to be an automated response on XX/XX/XXXX asking me to wait 4-5 additional days for a resolution. When no resolution came, I attempted contacting Coinbase customer support again 3 additional times between XX/XX/XXXX-XXXX. There has been no progress or resolution to date. I am unable to utilize the funds in the account, I am unable to get Coinbase to return the funds back to my bank account, I am unable to initiate a wire transfer from Coinbase back to my bank, and Coinbase has provided no customer support.
I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA
Example, I received a statement, dated XX/XX/XXXX balance {$460000.00} minimum due payment of {$120.00}. Next statement, dated XX/XX/XXXX balance {$4400.00} with minimum due payment {$120.00} For the past several months I have received statements with minimum payment due of {$130.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of XXXX I have contacted XXXX where I make my payment for AAFES by phone in the past few months regarding my concerns about my pay statements. However, when I get in touch with there customer service staff member. I am told my minim due payments are set by AAFES. Later I call again getting difference customer service agent with in days a part getting a difference answer. Example, I am told I have to make a purchase on my AAFES card, then my minimum due payment will decrease. I contact them again, I am told that I need to pay a higher minimum due payment.
I emailed XXXX XXXX on XXXX/XXXX/2017 about a late reporting on my credit bureau. She asked if I had filed a dispute and I told her that I had not, because I knew what the issue was. She emailed me on XXXX/XXXX/2017 asking for the details of my issue and she said that she would file the dispute with a member of her team. She stated that I would receive an answer to my response within 30 days. While waiting, I contacted XXXX in the collections department. I spoke with her on XXXX/XXXX/2017 about XXXX XXXX and asked her if she saw any XXXX day reporting on my file. She told me that she did not see any XXXX day late reporting. Before speaking with XXXX, I spoke with XXXX and she also told me the same thing. I received the answer to my dispute on XX/XX/XXXX and it stated that the decision was to leave my credit report unchanged and that the information was correct. I tried calling XXXX and she didnt answer, so I emailed her onXX/XX/XXXX about the letter that I received. She contacted me on XX/XX/XXXX at XXXX and informed me that the dispute was closed. I proceeded to explain to her again that I was not late. She then told me that she would have to forward my dispute to the complaints department. In less than hours after speaking with XXXX, I received a call from XXXX XXXX at XXXX who apologized to me for the derogatory reporting and he told me that he would have it corrected. At this point, I thought that the matter would be taken care of. I requested my credit report around the beginning of XXXX and the late was still there. I called XXXX and he stated that the correction was sent in on XXXX/XXXX/2017 and that it could take 30 days before it would actually update. I asked XXXX to send me something in writing stating that I wasnt late, he obliged and the letter is attached. I again requested my credit report in XXXX and it showed the same reporting. I called and spoke with XXXX again and she informed me that the file was closed and she asked it I had gotten the letter. I told her that I had spoken with XXXX and that he emailed me a letter concerning the late reporting. I also told her that he said that he was correcting my credit file. She asked for a copy of the letter and she told me that she would have to verify it with XXXX. She also informed me that XXXX was unable to change the information without sending the request to her department. I asked if she would call me back that day after she discussed the issue with XXXX. She told me that she had a busy day and she was going to a meeting, but she said that she would call me back. She didnt call that day as promised, so I called and spoke with XXXX the next day on XX/XX/XXXX and she told me that XXXX had taken a vacation day, but she did read XXXX notes and XXXX said that she would forward my email to the complaints department again, but the late payment would not be changed. I received another letter dated XX/XX/XXXX again from XXXX XXXX in the collections department denying my dispute.
I called Experian and they stated that they can not investigate negative accounts on my credit report because they needed additional information. First of all this is a violation of the FCRA to deny me an investigation of these accounts. Second, I am not merely disputing certain aspects of these accounts as before. But, now I am disputing everything possible imaginable that is reporting on my credit regarding these accounts as well as notations. I also sent letters to each of the collectors and collectors to verify this information that they claim they have verified. 
I sent the following letters to verify accounts with the certified tracking numbers below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am applying for  XXXX   XXXX  service ... they need a credit check but was not able to com  plete one because of a credit security freeze.
I tracked the freeze down to Equifax, the reported a security freeze was on my account. I stated I never requested a freeze on my equifax report. They will not lift unless I pay the fee. I again stated I should not have to pay for something I never requested. The Equifax rep said they do n't keep records of the payment needed at the time the security freeze was requested, which could lead to who done it! I have checked all my records paper and electronic and have never received a notice that Equifax put a security freeze on my report.
The fee is small but I should not have to pay this, it is a mistake! These credit agencies all take hours of waiting on hold and transfers to finally get talking to a real person. They would not allow me to submit a claim or anything that would resolve this correctly without me paying their " Fee ''.
I hope govern  ment regulation will reform these agencies and their operations.
Credit Protection Association has placed a collections item on my credit report. Original Creditor is listed as XXXX XXXX, amount of {$140.00}. Date opened listed as XX/XX/2015. I do not have XXXX XXXX. This is affecting my credit rating negatively and I would like it removed from my credit report.
I am writing to dispute the following charge {$1400.00}. this item in dispute from XXXX also known as XXXX fares. I have send you documents, emails and phone records. I did release my account information over the phone at XXXX back in XXXX 2015, but I also did call this company within 12 hrs. to cancel the booking which was at XXXX the very next day, the travel agent I spoke with probably did not understand XXXX, as I told him to cancel the booking, he states he can not refund me the entire amount charged to my credit card, I told him I will be disputing this charge with my credit card company and to still go ahead and cancel this flight booking. I also pointed out to the agent that I did not respond back to an email stating " I agree and to go ahead and charge my credit card ''. I also did call American Express right after that phone call to let them know, the agent told me I have to wait for the charge to post to the account and then dispute it, I did my part by informing you not to allow the transaction to go through but instead you still allowed it. Please can you ask the travel agency to provide me with proof of email stating I agree and to charge my credit card besides just a phone call as an agreement. You can also subpoena the travel agency to send you a copy of the phone recording so you can listen to it. 

I have been disputing this for months now. I have sent you all the corresponding emails from the merchant and my phone record 's to show the time I had called to cancel that booking. I have co-operated in every way possible and have submitted the supporting documents that you requested. I also want to bring to your attention that I have never received any documents from you by mail, explaining the dispute processes and also whether my dispute was closed in my favor or not, I get an email to view a message online and every time I try to access it I have been unsuccessful in doing so, every time I have to call in and get my dispute re-opened. Please can you send me a letter or documents in mail stating why the dispute did not go in my favor so I can forward it to the XXXX. 

I am requesting that this item be removed from my account and to not pay XXXX XXXX as this agency took my credit information and provided it to XXXX XXXX XXXX to make the booking. I have also contacted the airlines and they stated I did not book the ticket directly through the airlines and I have to dispute it with the travel agency. 

I am tired of going back and forth with this and been given the round around. If this matter is not resolved within 3-5 days I will be contacting the XXXX office in Ohio as well as the XXXX and the Federal Trade Commission. 

I will be forced to call in and close my account with you, I will pay for the pending charges on my account but I refuse to pay for the charges from XXXX. Under the Fair Credit Billing Act, I am requesting this billing be corrected and any finance charges or fees associated with the disputed charge be credited to my account. Please re-investigate this and correct the disputed item and take care of this as soon as possible.
I have never heard of this XXXX XXXX XXXX place before. All of my medical bills have been paid by insurance or workmman 's compensation for the last 10 years or so.
I have disputed the fact that I was never late and there is not a pending foreclosure. My Equifax report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with Equifax, XXXX and XXXX. There were no late payments either.
XXXX- Collection account. {$250.00} past due This is inaccurate, no contract exists ... settled with original creditor, and I want this grave error removed, because it is wrong and against F.C.R.A. law No proof or verification has been forwarded to me, and I did request this, and the law states that I am entitled to it, but you don't have it, so I didn't expect to receive it ...
I had a Macy 's Credit card account number : XXXX, which I had not used for months. In XXXX 2015, I was notified that I had a {$50.00} balance for a XXXX gift card charge. I reported the fraudulent transaction and required to close my card immediately. Later, I filled in form required by Macy and attached a copy of my driver 's license. I never heard anything back while my balance+late fees have grown to {$150.00} now, XXXX the original amount. When I tried to talk to Macy 's again, the representative told me that if I did not receive any call from them, it meant they received my doc. It will take 90 days for investigation while my late fee will continue to accumulate.
I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.
PER THE LAST COMLIANT NO.XXXX, WHERE I FILED CLAIM ON XX/XX/2017 AND THOUGHT THE PROTECTION WOULD DISCHARGE SAID DEBT NOT BANKRUPTCY.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Experian reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Experian can change the balance owed to zero ( XXXX ) and take the word dispute off my credit report.
OCWEN Loan Servicing , LLC conducted a loan modification without my knowledge nor authorization. My signature was forged on a loan modification document which was not notarized. I am the co-borrower on loan # XXXX. I have attempted to be removed from the mortgage which has negatively impacted my credit. I am held financially responsible for such loan although decisions on the loan as well as a modification have been made without my knowledge or consent. I should not be held financially responsible for a loan which I was not informed of the new terms and conditions that I did not agree to. The co-borrower ; as well as her family members have gone back and forth on deed / ownership of the property and also have been involved in fraudulent mortgages in the past ; including co-borrowers ex-husband and father both of whom have filed bankruptcy over foreclosures. I am deeply concerned with my credit since I have not lived in the property for over 8+ years, do not have any financial investment in property nor do I make any payments towards said mortgage yet I am negatively effected as a co-borrower. OCWEN does not correspond nor consult me in decisions made on the loan my name is attached to. **NOTE : I do not know which mortgage process my issue is related to below
Check into Cash has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
XXXX XXXX XXXX is the current debt collector.
I am not sure what category this falls under but a company called Professional Inc. located in XXXX Illinois sued me for a debt that I owe to a bank located in town called XXXX XXXX XXXX. The debt is almost paid off however I noticed that they are taking XXXX dollars out of my paycheck every two weeks and it does n't seem to be adding up because they should be paid off by now. For instance, the last XXXX times I called they said they only received about 70 dollars and then XXXX dollars but my employer is garnishing my wages for XXXX every two weeks so where is the other amount going to? I know that your employer can charge you a fee for your wages being garnished but I have spoke with my employer and they do not charge a fee for that.
They are trying to charge me for two months worth of rent on top of tons of excess fees. I have apartment manager at time a 30 day verbal notice of me leaving, and she informed me the apartment was rented the next month. I have also attempted to verify this and they claim it was in lease agreement they can charge 2 months of rent without 30 day notice but have Yet to provide me with a signed lease agreement only a spreadsheet with crossed out numbers.
Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.
I have spent three years going around in circles with my mortgage servicer Select Portfolio Servicing. The day my loan was transferred to them they put a Notice for Sale on my door. After fighting back I was able to get them to try and consider me for a modification and then they tried to sell my house out from under me again. I qualify for the DOJ modification settlement, I even received a letter with an offer while my loan was with XXXX XXXX XXXX. I immediately accepted the offer which included principal forgiveness and sent in all of the paperwork. Instead of saving my home my next correspondence was a Notice of Sale and a letter saying my loan has been transferred to Select Portfolio Servicing. This has been beyond frustrating. We have sent in hundreds and hundreds of documents to SPS, but still three years later they have never actually completed a review of our information. They have assigned and re-assigned and changed our point of contact a minimum of 10 times, and have been less than forthcoming in the letter that they sent to us after we got our Congressman involved regarding why this has happened. We are not asking for anything for free, we just want a chance to resolve this issue and get into an affordable monthly payment. 

I have worked XXXX for 35 years. Due to the consolidation of the XXXX, XXXX XXXX, economy etc. the pay for on XXXX began getting cut. This coincided with my property value tanking. At that time I was in a predatory adjustable rate 40 year loan with XXXX XXXX XXXX and I tried to get some type of help. I went to homeowner events, I called in, I tried to apply and made no progress. Finally I was laid off and then could not make the payment and after I fell behind XXXX XXXX XXXX started to pay attention. I was ecstatic when I received the letter that I qualified for the Department of Justice modification program which included principal forgiveness and immediately got the requested documents to XXXX XXXX XXXX and hoped for the best but instead got the worst, as I had mentioned above. A sale date and a transfer to Select Portfolio Servicing. 

I know I qualify for government programs, I know that the investor is participating in these programs so why does SPS put up so many roadblocks? I am working full time, my husband is working full time and we have boarder income as well. I know that we fit the criteria for help, our one obstacle is SPS. I am pleading with your organization to put SPS on notice and push them to make this file a priority and work with me to help us save our home. We will provide whatever additional information is needed in a timely fashion, but we need SPS to stop playing musical chairs with our point of contact and to actually COMMUNICATE with us. We can afford a reasonable payment and we have taken good care of this house and want to stay if we are given the opportunity.
XX/XX/XXXX *went to b XXXX XXXX XXXX XXXX to purchase important items for our home. 
TeleCheck refused to honor my check for the purchase three times. 
A supervisor told me the issue was resolved and to go the next day to complete the transaction. 
XX/XX/XXXX * it was denied again approval after being told by TeleCheck four times to go back again to run the check. 
TeleCheck should be placed out of business in authorizing checks personal or commercial. 
To many complaints and is running a Bad Business! 
*XXXX XXXX XXXX should find another way to authorize checks for their clients.
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
XXXX/XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX