WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was charged XXXX on my Chase credit card. When this payment showed up on my statement I immediately reach out to chase because the charge should have been XXXX dollars. 

On XX/XX/XXXX chase called back to let me know the vendor charged XXXX. I explained that I never authorize this charge, signed, or made any purchases that equal that amount. I also asked if they could mail the receipts including my signatures. 

They told me that they see the charges but no singnatures were found. 

This is very wrong. I never made those charges. In never signed anything or approved those. 

As a chase private client and someone who makes 1000s of transactions on a monthly basis I feel violated.
Sent Freedom a Certified check for mortgage payment at there request. They would not allow me to do online Bill pay or pay online. Must be certified check per there representative. Sent on XXXX XXXX and was delivered XXXX XXXX to PO box specified by Freedom Rep. After payment was never applied to funds a week later I began calling trying to find out why. Per Freedom the check was sent to a different processing center in Indiana and would be applied to my account once received. After 2 weeks no funds applied, sent by fax receipts for Certified check and had to submit a written request for inquiry. XXXX XXXX they said they got my request and opened a help ticket, I was instructed to call back in 10 days. 10 days called back case was closed because they needed more proof I sent payment other then them signing for the check. obtained Proof from XXXX for cashed check front and back and faxed AND emailed to customer care the first of XXXX help ticket reopened told me to call back in 10 days. I called back they did not receive the the fax or email! help ticket was closed. Sent to work email of case worker per her request she would ope help ticket. 10 days later I called and she did not receive my email. I resent the email with her on the phone and she finally recieved it. I was told to call back in 10 days. I called back. I was told to call back in two days. I have called Freedom Mortgage over 10 times, they have never returned my call. usually I am placed on hold for 30-40 minutes before I give up and hang up. I emailed them and faxed them 3 times all the paper work they required. There stories keep changing of where my check was sent to. They send me Demand Letters for missing payments 3 times a week. I was served at my home by a courier service for missing payment, they claim they did not hire him.I have been charged Late fees and Home inspections fees for the missing payment. They have been reporting to the credit bureau since XXXX that I have been delinquent. Yet My payment was n't missing until XXXX. They will not return my calls, they are avoiding me, and have no idea where the cashed certified check made out to them is. It has been 5 months of my constant calling and emailing and faxing everything they requested and still I am in delinquency.
After reading the article about Navient lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on theXX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points.  XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of {$10.00} but I pay {$20.00} and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and Navient has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point Navient has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up screwing them for do the right thing.
On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.
ON APPROXIMATELY XXXX/XXXX/XXXX I REQUESTED, THAT THE TRANS UNION CREDIT REPORTING BUREAU. COMMENSE AN INVESTIGATION, OF WHY MY THEN XXXX XXXX AND LATER. XXXX, ACTIVITY HAD NOT BEEN REPORTED BY THEM IN MY RECORDS. BY TRANS UNION CREDIT REPORTING BUREAU, SINCE XXXX/XXXX/XXXX. WHICH RESULTED IN MY TRANS UNION CREDIT BUREAU FICO SCORE BEING REDUCED BY APPROXIMATELY XXXX TO XXXX POINTS. OVER THE LAST EIGHT MONTHS, BY TRANS UNION. WHO, ONE OF THEIR AGENTS ALLEGED TO ME, VERBALLY VIA MY PHONE CALL TO TRANS UNION. THAT TRANS UNION CLAIMED TO HAVE LAUNCHED AN INVESTINGATION. THAT I REQUESTED OF THEM, TO ASCERTAIN WHY? MY XXXX REPORTS TO THEM HAD STOPPED SINCE XXXX/XXXX/XXXX TO TODAY XXXX/XXXX/XXXX AND COUNTING. THE TRANS UNION AGENT I SPOKE TO DURING THE MONTH OF XXXX XXXX. ALLEGED THAT TRANS UNION HAD TRIED TO CONTACT XXXX FOR UP TO 30 DAYS DURING THE MONTH OF XXXX XXXX TO NO AVAIL E.G., TRANS UNION ALLEGED THAT XXXX NEVER RESPONDED. DURING THEIR ALLEGED 30 DAYS OF TRYING TO CONTACT XXXX. HENCE, TRANS UNION ALLEGED THAT AS A RESULT OF XXXX RESPONDING TO ANY OF THEIR ALLEGED COMMINIQUES? THAT TRANS UNION WAS BY THEIR POLICY, HAD TO COMPLETELY DELETE MY XXXX AND LATER XXXX CREDIT ACTIVITY ACCOUNT. THE TRANS UNION AGENT WHO CONVEYED THIS IMFORMATION TO ME VIA MY PHONE CALL OF COMPLAINT TO THEM. I ASKED TO SEND ME ALL OF HIS ASSERTIONS. IN A LETTER DOCUMENTING ALL OF WHAT TRANS UNION ALLEGEDLY DONE? DURING THE INVESTIGATION, I ASKED THEM TO ACTIVATE ON MY BEHALF. AGAINST XXXX AND XXXX. FURTHERMORE, THE TRANS UNION AGENT IN QUESTION, SUGGESTED THAT I CONTACT XXXX AND ASKED THEM TO START. THEIR OWN INVESTIGATION ON MY COMPLAINTS. WHICH I DID, BUT XXXX HAS GIVEN ME. THE RUN AROUND, THEY 'VE BEEN DECEIPTFUL, MISLEADING, THEY 'VE IGNORED ME, AND BASICALLY HAVE ABANDONED ME. NOW, I STILL WANT TO SEE MY TRANS UNION RECORDS. TO SEE, IF IN FACT THEY DID LAUNCH AN INVESTIGATION ON XXXX? AND IF WHAT THE TRANS UNION AGENT TOLD ME ABOUT THEIR ALLEGATIONS. OF XXXX NOT RESPONDING TO THEIR TRANS UNION ALLEGED INVESTINGATION IS TRUE OR NOT? AFTER ALL, TRANS UNION NEVER, GAVE ME THE COURTESY OF A DETAILED LETTER. VERIFYING THEIR CLAIMS OF THE INVESTINGATION. I REQUESTED OF THEM TO FIND OUT WHY MY TRANS UNOIN CREDIT FICO SCORE. HAD DROPPED BY XXXX, XXXX, XXXX, XXXX POINTS OVER THE LAST SEVEN ALMOST EIGHT MONTHS? AND WHO WAS RESPONSIBLE FOR THE NON-REPORTING OF MY XXXX CREDIT ACTIVITY? WAS IT TRANS UNIONS FAULT OR XXXX FAULT? AND IF IN FACT THIS MATTER, IS TRANS UNIONS FAULT? I WANT THEM TO ISSUE ME AN APOLOGY, PLACE IN MY RECORDS THIS GRAVE ERROR OF THEIRS, AND RESTART TO CORRECTLY LIST MY CREDIT REPORTS CONSISTANTLY, AND ACCURATELY AGAIN IMMEDIATELY. AND TO SEND ME ALL OF THE DETAILED DOCUMENTATION OF THESE MATTERS, VIA U.S.P.S.
I have bought 3 Air line tickets by Discover card, from Travel Agency called XXXX XXXX XXXX XXXX XXXX/ travel on XXXX/XX/XX/2018 from NY/XXXX/XXXX and return on XX/XX/2018 XXXX/New York. Suddenly I found that the return ticket has been canceled so, I called XXXX XXXX, they advised that the travel agency cancelled it, however, I didn't request to cancel it and I didn't give the travel agency the permission to cancel it so, I called discover to dispute the amount {$2000.00}, I waited them over month and I sent to them that the merchant has cancelled my tickets, he stated to US department of state that he cancelled the tickets so, what happened is XXXX got refund from XXXX XXXX + the amount that I paid for them. and from my side I paid extra {$900.00} to fix the ticket and I paid another {$1500.00} for a new ticket. so, total paid for the tickets {$2000.00} + {$900.00} + {$1500.00}.
XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
LexisNexis has been collecting, compiling and selling my personal information without my prior consent nor expressed permission. LexisNexis has been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my XXXX XXXX and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( XXXX ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I seek redress, compensation and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING
I just received an update from Experian on XX/XX/18 in reference to a dispute that I began processing in late XX/XX/2018 for a XXXX XXXX XXXX XXXX Account. Per the Fair Credit Reporting Act, The Experian credit reporting agency can not, under any circumstance, report information that I as the consumer have told them is inaccurate. The agency is behaving in a biased manner against myself and have greatly favored a paying debt collector over myself. After multiple efforts of Experian being unable to furnish an original written agreement and validation of the physical verification which would otherwise support their statements of the debt belonging to me, this credit agency continues to be in support of the debt collector and is willing to continue to be in violation of the Fair Credit Reporting Act. 

I have mentioned this same complaint to the agency on more than three previous occasions that the information is unverifiable and they are in violation of the FCRA sections 609, 611 & 623. Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post to my credit report. Per FCRA 611 ( 15 U.S.C. 1681 ) Experian continues to be in violation of the law. Also reference the FCRA section 623 ( a ) ( 1 ) ( C ) : Experian must also utilize reasonable procedures to assure principal accuracy of all information in my credit report 15 U.S.C. 1681e ( b ). Experian has yet to prove to me that this account is accurate valid and indeed belongs to me.
Westlake financial services cancel my loan for a used car on XXXX XXXX XXXX because the dealership that i went through submitted a secondary loan contract with my signature unknowing to me. When XXXX from the Westlake verifications department called me on XXXX XXXX, I told her I did not send a second loan contract in. The next few days after I received the Adverse action notice from Westlake, which i have uploaded with my complain. 

My concern is that i did n't commit any fraud and my loan was denied because of the dealership actions, that Westlake knew before they sent out the adverse action notice. And i 'm also really concerned that they said I was denied because of Credit. This has cost me money to retain a lawyer at Westlake 's request, to obtain any paperwork between Westlake and the dealership from them, but they told my attorney I was not a customer and i needed a subpoena to have those documents sent over. So I filed a complaint with The XXXX. Of XXXX Services, and Westlake then turned over my paperwork without that subpoena they requested prior. 

The time in which the loan was canceled/denied, was only 14 days after purchase date. The most significant time frame for expirations on loan are 30 days. 

The loan had already gotten to the verification Department twice in two weeks. Credit was not a reason for the denial. How can this be the reason in your Adverse action Notice sent out? This is not acceptable to me and it should not be acceptable with CFPB.
American Express is emphasizing a " pay by '' date which is 3 weeks after the statement date. They do list a " closing date '' as well, which is at the required 30 day interval but do not explain what it means. This is misleading and appears to be designed to circumvent the intent of the law. I would ask that this be addressed by the CFPB. 

XXXX examples ( from different mailings ) are attached to this submission.
Have tried to get a modification well over a year. Hours and hours of phone calls receiving little, conflicting or no information about status, talking to new people each time who read me notes on file of issues already resolved or discussed. I was not allowed to discuss my loan with the person actually reviewing it and making requests. Requested new customer representative, only means of getting info and could rarely get ahold ( had to make an appointment date and time for him to call me, sometimes not getting a call ). My rep repeatedly seemed as if he had never talked to me or knew of our previous conversations. After telling him of my husbands death and requesting a certificate, he called my cell and left a message for my husband to call him, just a small example of many.Told it could take XXXX5 weeks to receive a new rep. Never heard back Also took a week and a half to track the right person down who could confirm they got my ( same day ) fax of the death certificate that they desperately needed to go forward. Called them yesterday because I received an insurance letter mentioning the change in status of my loan. BOA says there was a sale date of XXXX and modification denied XXXX. Called FHA today and HUD. Was asked if BOA had offered me a required TPP Agreement? which I no nothing of, but then referred me back to Bank of America. Rep could not tell me why I was denied. She did see a sale date but no denial letter. On hold ( again ). She could not get a supervisor on the line to find out why denied. ( Past issues with payments were due to seriously ill husband who passed away in XXXX and my job status ( in current job almost a year and I can afford my home ) I have been advised by BOA to call the banks local law firm if I want a redemption. Lawyers have n't responded. I believe modification file is probably closed at bank for the 3rd time ( in which the other 2 times I had to start from scratch in applying and w/supplying all required info as its somehow disappears after a certain time and you no longer have a contact person. ) I am in fear that not only I and my XXXX young daughters will soon be kicked out of my home w/no notice just as I had not received notice of modification denial or property sale date ( and previous sales dates and sale dates on hold ). Also my loan balance has probably increased by thousands in fees and delinquencies due to the time this has taken.
my husband at the time had left me and my son. ive been trying to get help through bank of America since he had left, we had gotten divorced after. so ive been wanting to stay in our home and complying with every effort to save my home. its been three years that ive been jumping through hoops with bofa and they denied me any type of help! They would rather see me and my son out on the streets than to lower my payments. they told me Ido n't make enough money, nah really, that 's why I 'm asking for help! There has got to be something somebody can do to help me save my home ive sent them the divorce papers and even gotten his name off of the deed so they can just by my income .... ive talked to them on and off just about every week sometimes even two times a week crying and pleading for help XXXX they just do n't care about really helping out their customers I know several people who Bofa has turned away. so I 'm stuck possibly getting kicked out! they told me I was approved for a short sale, so if somebosy offers to buy my home for say XXXX still liable to the rest and still be XXXX out of luck with no home for my teenage son and I!!!! but yet they say if we can be of any help you have our phone number so call us if you need us!! haha what a joke
Ditech has been harassing the XXXX family I the living has had a private investigator sent to my house I have never authorized my private information to be given out or my address to were my children lay there head. I have requested for the accounting both set of books as I know there is 2 sides and any contract Ditech feels that I may have with them. As I have never had a contract with Ditech or gave consent to Ditech. I am asking for cusip number and XXXX form from Ditech. I need the XXXX information to provided to IRS for accounting. I want to see the accounting of the books as there is 2 sides of accounting. Mortgage default title insurance should have been applied for either from XXXX, Greentree. I have no idea how ditech was given the XXXX private information. I have revoked any power of attorney from outside sources and have revoked any power attorney for XXXX XXXX. This company needs to be looked in to I am also sending in a form XXXX to IRS to look in to this company and for all accounting. I have also requested the XXXX oid and have not received this information I am entitled to. I am do back interest and have not been given what is owned to the XXXX Family.
I have had a private student loan with your company since XX/XX/XXXX and for 7 years, never had a late payment. I recently discovered that I had a 30 day late mark for my XX/XX/XXXX payment. I also received a collection notice from XXXX XXXX for the entire balance of my loan. My mother has had these payments for this particular loan since it originated and from what I understand, the loan was on autopay. My mother, XXXX XXXX XXXX, was able to get the balance on the co-signed loan up to date in XX/XX/XXXX but not without consequence. My mother 's and my credit report and score suffered significant damage from this negative remark due to the late payment. 
What I am asking of your company is to consider our prior history of on time payments and remove the negative remark on both of our reports across each of the three major credit bureaus ( XXXX, XXXX and XXXX ). My credit score dropped about XXXX points and I make it a point to ensure my payments on time. Part of my good faith effort to reconcile this issue is to update my contact with our company so I may be able to monitor this account more closely in case my mother is not able to make a payment.
Rise Credit is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
Im on a payment plan with my lender. They called and text and harassed me saying I didnt make my monthly payment and I did. They finally realized their error on the last day of the month with no explanation just we are sorry thanks. I am concerned that they are not keeping proper accounting records.
I have a car loan with Ally Financial. We fell behind in our payments because my husband has been out of work for medical reasons. On XX/XX/XXXX I made a payment of {$350.00} via XXXX XXXX. On or about XX/XX/XXXX I went onto Ally 's website to make another payment. I selected the option for other amount and made a payment of {$350.00}. On XX/XX/XXXX I noticed my checking account was grossly overdrawn. I checked my account and discovered that Ally had attempted to withdraw {$1100.00} from my account. I immediately contacted Ally and the representative told me that Ally was attempting to bring my account current?? I told the representative that they could n't just pick any amount they wanted and attempt to withdraw that from my checking account, that was fraud. I then spoke to another representative who said I had authorized that amount. NO I DID NOT, I did n't have the funds necessary to cover that amount so why would I submit a payment for that amount? I asked to speak to someone at a higher level than the individual I was speaking to and was told there was no one. I asked to speak to someone at a corporate level, or a problem resolution team, and was told there was no one. I went on XXXX  and searched Ally and found a XXXX page and made a comment about what was happening. I received a call and was told that a representative from the corporate resolution team would call me by Monday ( today is Thursday, no call ). My bank returned the payment for insufficient funds. On XX/XX/XXXXI informed Ally that I was MAILING a payment in the amount of {$350.00} and instructed them to make no attempt to withdraw any money from my account. The representative stated that she noted my payment and that there would be no further attempts to withdraw any more funds. On XX/XX/XXXX I went to my bank to make a deposit and discovered my account was once again grossly over drawn. The teller informed me that Ally had AGAIN attempted to withdraw {$1100.00} from my account. My bank is returning the payment again for insufficient funds and I once again posted a comment on Ally XXXX page. I do n't know if I need to close my account to prevent Ally from repeatedly and fraudulently attempting to withdraw money from my account.