WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX, I called the Chase Fraud Department for an update of my pending fraud case involving my Chase Freedom credit card account. 
The Chase officer had declared telephonically that all XXXX charges were determined as Unauthorized and/or Fraudulent, and that these charges were going to be credited back to my account. Moreover, and a check for over payment from Chase would be mailed. 
The Chase officer stated all charges identified as " XXXX '' ( XXXX ) dating back to XX/XX/XXXX were determined to be unauthorized charges by XXXX. I was then instructed to discontinue sending monthly payments to Chase. 
A week later, I received a Chase check for {$840.00} for over payment on a balance riddled with fraud by XXXX. I was delighted the case was finally settled after 5 months. In addition, I received a Chase statement clearly indicating the credits and payments no longer due. 
However, an unexpected call from a unidentified Chase financial officer about a week later was received about XXXX. My husband and I listened in shock and disbelief as the Chase financial officer stated " I see no fraud '', and proclaimed all previously dismissed XXXX charges in question are now resurrected, and that I have to pay the balance. 

When I told the Chase financial officer the case was settled a week ago, and that I a check from Chase for {$840.00} has been proffered, the officer seemed stunned and at a loss for words ; asking who, what, and when? 
Moments later, she alluded that the settlement by the other Chase official did not matter, whereby, declaring my settlement null and void. In that, I will be receiving a revised Chase bill resurrecting all previously determined unauthorized charges. I retained as evidence my Chase statement showing fraud charges had all been credited back to me and payments to Chase no longer required. 

To my disbelief, the Chase financial officer had simply, in matters of a few minutes, usurped a competent Chase official who credited my account and settled the case after five ( 5 ) months of investigation. Presently, I am saddled with debt that had already been identified as fraud and had been forgiven. 

I respectfully request that the CFPB intervenes and upholds my settlement regarding my fraud case involving XXXX. The evidence shall show the Chase financial official in question, had unnecessarily intervened striking down my settlement, and clearly demonstrating a questionable business practice that would be appalling by most or all consumers, as it clearly opposes negotiating in Good Faith and applicable laws protecting consumers from frivolous and outlandish business practices motivated by self-serving needs based upon a whim.
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XXXX XXXX, 2017 to dispute information, regarding over XXXX hard inquiries for XXXX XXXX for XXXX and XXXX for TransUnion that was placed on my credit reports. They received the letter on XXXX XXXX, 2017. They completed the request XXXX XXXX, 2017. The request I submitted was over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
On XXXX XXXX, I contacted my mortgage company informing them that I had started a new job and that I would be making the mortgage payment at the end of the month due to my pay being by-weekly. We agreed for me to submit a post-dated check for XXXX XXXX of this year to be sent to the processing center and that it would be noted that the check would not be processed until that date. On XXXX XXXX, upon receiving the check, the processing center processed the check and it came through my bank prior to XXXX XXXX. On XXXX XXXX, I contacted the mortgage company, and they were less than helpful with me in resolving this issue. I was also informed that the company only makes post-dated arrangements electronically and over the phone, which I refused to divulge ANY information regarding my bank accounts over the phone, and that it was agreed that I could mail a check. I went to my bank later that day, an investigation was opened and on XXXX XXXX, I received a letter from the bank that there was nothing they could do about the issue, it was between me and the mortage company. As a result, I was charged {$91.00} by my bank ( $ XXXXper day ) for each day that the account remained overdrawn. I am asking that the mortgage company either refund the {$91.00} directly, or that the amount be applied towards the balance of the Mortgage principal.
I am trying to clear the " cloud '' on my title to a lot purchased by us in a foreclosure XXXX years ago which now shows a lien ( equity line of credit ) perhaps owed to Beneficial Finance and dating from a stated fraudulent document created in 1997 to a former man ( who also states under affidavit that he never owned lot nor signed line of credit documents ). The title company handling the escrow, my attorney, and myself can get no response of either Beneficial Finance Co. Payoff Dept., or Household Finance Co ( their successor? ) and have requested a Reconveyance XXXX times since XX/XX/XXXX. We have no other information regarding the proported lien. We suspect it was some sort of scheme to keep Beneficial Finance from having to pay the Homeowners ' Dues. But I never received any notification of anything at all from Beneficial Finance -- and it 's been XXXX years. To date they have ignored all requests for Reconveyance so that the property can complete its sale with a clear title.
On  XXXX   XXXX ,   XXXX   in the evening, a collector came to my parent 's address in  XXXX  Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.
I got back to the USA and requested a credit card to Citicards.com that was accepted. 
I used it for a month and suddenly it was blocked because Citibank has some concerns about suspicious account activity. I faxed them all of the requested information ( SSN card, service billing and passport ) but after weekly calls, now for a month, my card is still blocked. Apparently they need a phone number, one that they can verify, to call me back. I am using XXXX XXXX XXXX as provider, which for some reason is not included in their check up database ( landlines are useless for them ). 
I have paid past month statement ( electronic transfer from a bank account at XXXX XXXX XXXX under my name ), but still, I can not use that information to validate my identity. 
The irony is that as the account is blocked and thus I can not close it, and I do n't know how to proceed, as their customer assistants can not provide any alternatives to prove my identity, nor escalate me to a supervisor ( They even hung up on me when I requested that ). It 's a dead end, and it seems I am stuck in their XXXX like bureaucracy
Same one use my informatin my bank card and send money true money gram {$980.00} on XX/XX/XXXX was posted on my bank account the transaccion is a fraudulent i dont recognize the transaccion my identity was stolen. All my information was stolen name email address and everything. I call money gram they tall me the cant give me any information about the transaccion i also went to my bank institution and the tell me the will help me and open a fraud investigation. I want to report to help police to arrest the people who commit crimes with money fraud abuse.
On XXXX of 2018 Mr. Cooper ( mortgage servicer ) offer me a repayment plan omitting XXXX payment. At that time I was assured that this would not have a penalty. At this time I am trying to refinance my loan to make a bill consolidation and save some money but I was informed by the lender that I could not do it because my mortgage account reported a XXXX x XXXX on my mortgage, even though I am making my payments according to the payment arrangement. I have contacted Mr. Cooper and they acknowledge that I am making my payments according to the payment arrangement but they are not willing to correct the information on the credit report.
I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report.
My home was foreclosed XX/XX/2017 and subsequently sold at auction. I received a XXXX stating the balance of principle outstanding as XXXX and the fair market value as XXXX I also received a XXXX stating fair market value as XXXX and the amount of debt discharged as XXXX. I contacted the mortgage company and questioned the reason for both a XXXX and a XXXX being sent and asked for an itemization of the XXXX. I received a letter telling me to disregard the XXXX and an email with an attachment of the supposed itemization of the discharged debt. The itemization is convoluted and neither the positive column of amounts or the negative column or the difference thereof corresponds with any of the amounts in question or makes any sense. I am questioning the amount of debt being discharged.
Bank : HSBC Account Type : Business Checking Account Our company had a checking account for five ( 5 ) years with HSBC and in the middle of XX/XX/2018 the bank closed our account. After talking to the bank, HSBC said there was some internal mistake ( " miscommunication '' ) within HSBC. There was no forewarning, no letter, no email, no phone calls, etc. There were no negative checking balances for the 5 years and all monthly bank fees were paid in full. Our credit cards were always paid in full and we never even made a partial payment on a credit card balance. 

HSBC gave us a Cashiers Check with our balance and then opened up a new Business Checking Account for us ( with a new Account number ). It took hours-and-hours to figure out what happened, then " fix '' all the outstanding checks, bounced checks with our Suppliers ( including imposed penalty fees ), change incoming wire-transfers ( e.g. from XXXX ), update outgoing pre-set wire payments, re-issue Debit Cards, change Credit Cards, make changes within our Bookkeeping provider ( using XXXX software ), etc. We researched other banks and then switched to a competitor bank.
XX/XX/XXXX - order placed on www.target.com for {$550.00} worth of XXXX XXXX XXXX. Total paid was  {$520.00} with red-card discount. 
XX/XX/XXXX - Contacted CS chat as cards never arrived. Was assured they shipped even though the label from XXXX XXXX denied it at the time. 
XX/XX/XXXX - Contacted their CS chat again, due to non delivery. Was told I needed to call. 
XX/XX/XXXX - Called XXXX CS - spent one hour on the phone straightening out the mess. Was told I waited long enough, consider the old order cancelled. Was recharged {$610.00} for the cards with expedited shipping. Received an immediate {$90.00} refund for the shipping. Was told to expect the {$520.00} refund within 7-10 business days. 
XX/XX/XXXX - reached out to CS chat again, as there has been no refund. Was told to call again. Sent a XXXX message as I could not call. XXXX response states they never cancelled, it was shipped and delivered, and pretty much OUR fault that they lied and did n't credit us immediately, and WE need to file a report. 

So I did. Here. 

This is most unacceptable. I would appreciate help in receiving a refund, as I have now paid {$1000.00} for {$550.00} in gift cards. I have also filed a report with the BBB.
My student loans are currently in Forbearance and I called Navient XX/XX/17 at XXXX XXXX to get a lower payment agreement made because my forbearance ends this month. I spoke to a pleasant young lady and I told her that I am certainty unable to pay {$1200.00} a month for my student loans. 

I told her how much that I knew for sure that I was able to pay and she told me that that the least I could pay was about {$480.00} a month. I told her that I was unable to pay that amount per month and she told me that I could make a payment of any amount, however if they payment is lower than the required amount then it would still be considered past due. She did offer the forbearance option and I declined. I do not want to prolong paying my student loans Excuse me, how are you telling me what I can and can not pay. I am trying to give this company money for a payment, however it is not enough to their liking. I have Grad school loans and undergraduate school loans with Navient and I am willing to pay a certain amount, just not the {$480.00}
i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had XXXX hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}.
Hi, I purchased a {$500.00} prepaid Debit Visa gift card  ( US Bank )  on  XXXX   XXXX   XXXX  from  XXXX  #  XXXX   XXXX  TN. The Card is valid through  XXXX . The card has not been signed and, AUTHORIZED SIGNATURE NOT VALID UNLSESS SIGNED is printed on the back of the card.     I tried to use the card on  XXXX  to buy furniture at   XXXX   XXXX  . The card was declined and the card had a   XXXX   balance on checking it online login and then calling to  XXXX  on  XXXX / XXXX / XXXX , I also requested to report a complain which the agent had to do it on her end but never got a response.     The card had a $   XXXX   monthly fee for inactivation. I still should have {$350.00} balance if the  XXXX  $ fee was charged for 5 years.     My husband tried calling the customer service number on the credit card but that didnt yield anything. They were able to tell the card was used 8 times but ; however, they could not provide any transaction details because that information had been purged due to being past 12 months in age.
I notice when I was checking my credit today inquiries that was removed in XXXX has been replaced back in my report with consent.
I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX/XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, Experian, XXXX, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX  on that date of XXXX XXXX, XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.
Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with XXXX.. on XX/XX/XXXX. first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing XXXX, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the XXXX, XXXX assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to XXXX either by insurance or the XXXX & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights
On XX/XX/XXXX I applied for a new XXXX XXXX personal card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.
XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.
24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can
When Wells Fargo noticed we went to branch monthly to pay mortgage, persuaded us to open a savings/checking accounts with Wells Fargo for no charge and ease of payment. After we setup monthly automatic mortgage payment, there is no activity in our accounts. Monthly fee started to be assessed ( because our savings account balance have been bellow {$2500.00} XXXX. Because of no paper statements from the bank, even though each month we got a email reminding statement is ready, we never logged on to check. 

This has been going on for more than a year, without warning or call from Wells Fargo until this XXXX when we accidently noticed the only activity of the accounts has been the fees for more than a year.
I opened three additional cardholders and finished the purchasing criteria, but only received the bonus for one card ( {$25.00} ).
XXXX XXXX, XXXX, XXXX Debt Buyer Enforcement Action. On XXXX XXXX, XXXX I contacted XXXX as required by this court order, to ask for a refund as consistent with the court order, of payments made by me as a cardholder to the buyers of my debt, citing violation of the Dodd-Frank Act. I have proof of payments made since before and after XX/XX/XXXX. I was not notified by XXXX that it sold my account. I am asking for a refund and a restitution notification letter in accordance with A., B., C., and D. as provided by the CFPB website. The XXXX representative I spoke with on XX/XX/XXXX at XXXX XXXX., told me the account had been sold and that XXXX no longer had any responsibilities to this account. They say they sold it to Midland Funding, who have since sold it to a law firm. No one answers the phones at either of these locations. Can you please help me to get my refund and restitution letter?