WillisBack/dataset-financial-user-claim huggingface dataset:
Chase closed my account on XX/XX/2018 for my cards ending in XXXX, XXXX, and XXXX. The stated reasons were " because our affiliate is ending its banking relationship with you. '' I do not understand which affiliate Chase was referring to because all my bank accounts and credit cards are still fine with other institutions. 
I am seriously concerned that a recent interaction with a Chase representative has resulted in him flagging my account because I am a transgender.
Discover continues to violate the FCRA, I am using this platform to both file additional disputes against Discover card and documentation for litigation which seems to be a certainty. 
On XX/XX/XXXX, I wrote a letter informing Discover Card that all charges for an account in my name ending in XXXX was the result of IDENTITY theft. I followed the steps provided by the FTC website and provided all identifying information. I also requested all communications to be in writing via my email address, USPS or XXXX XXXX. to insure accuracy and ability to document all communications. In defiance of Congress and well established law, Discover willfully rejected my claim without any sort of investigation. 

On XX/XX/XXXX. After 6 days past and Discover continued to call 2-3 times every single day and the fact this tradeline had not been deleted or blocked from my credit report as required by the FCRA, I wrote Discover again, this time using the forms provided by the FTC website and providing all the necessary documents including my Identity Theft report, the FTC affidavit, copy of an AFFIDAVIT OF IDENTITY. I was specific and polite. In my CFPB complaint, I asked Discover to CEASE and DESIST all phone calls. 

On XX/XX/XXXX I wrote XXXX , XXXX and XXXX informing them the Discover Card ending in XXXX was the result of Identity theft and requested for the entire tradeline be deleted from my credit reports as required by the FCRA. I sent my written notice, claim and affidavit by CERTIFIED mail to XXXX, XXXX and XXXX. The three credit bureaus mentioned forwarded the request to Discover on XX/XX/XXXX. 

Astonishingly Discover again denied my direct claim and denied the claim from XXXX, XXXX  and XXXX. Without a reasonable investigation. Unless of course Discover claims they conducted a reasonable and thorough investigation in 1 day. Discover continued to call me 2-3x every single day. 

According to FCRA 15 U.S.C. 1681-1681y, specifically 15 U.S.C. 1681s-2 After receiving a dispute Discover MUST conduct a reasonable investigation, if the consumer is not satisfied with the resolution, upon request Discover MUSt provide every detail of the investigation to the consumer. 

On XX/XX/XXXX I filed another dispute with the credit bureaus, by certified mail. XXXX, XXXX  and XXXX all received my dispute on XX/XX/XXXX and XX/XX/XXXX. One day later Discover denied my request for a third time, without any proof of an investigation. 

On XX/XX/XXXX I filed a complaint with the CFPB claiming Discover is willfully refusing to conduct a reasonable investigation, and refuses to provide me with the UNREDACTED file of any relevant information that may have lead to their UNINVESTIGATED DECISION. Again a requested Discover to stop calling me. The last call I received was on XX/XX/XXXX
I noticed on my credit report medical bills that were placed on my files with XXXX, Experian, and XXXX that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
I was contacted on XX/XX/2016 by Convergent Outsourcing Inc regarding outstanding student loans for my daughter. I am a co-signer on the private student loans. Prior to this phone call I had not been notified of the status of her loans. The debt collection company has sent me 2 letters via email stating if I pay a total of {$15000.00} the XXXX loans will be considered settled. I was given a deadline of XXXX to make the payment otherwise the offer will expire. I would like to validate this is not a scam. I am not sure how to go about determining this is not a scam.
My wife and I are senior citizens own a significant jumbo Certificate of Deposit with BBVA Compass bank in XXXX XXXX Texas with a term of 16 months paying 1.21 %. We received notice on XXXX XXXX 2016 that the CD would automatically renew with a new interest rate unless we advised them differently. The letter advised us to call them on the date of maturity or within the 10 day grace period and they would adise us on the new rate. So the required action was with us. 
We forgot to take action by the time the CD matured and the grace period lapsed. When we did remember, we discovered that our previous rate of 1.21 % was replaced with a rate of .2 %. We complained to the bank manager and he stated that he would talk with the regional manager to see if the rate could be adjusted. The next day he advised that my request was denied.
My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
I went to the company 's website on XXXX XXXX XXXX, 2015 and stated that the calls had to cease as I had no outstanding debts so there was no case to be had with me. The calls resumed this morning so I am filing this complaint. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.
I have cancelled XXXX of my XXXX Chase visa cards last XXXX and that there was activity or transaction in since XX/XX/XXXX. Much to my surprise, I received a statement from Chase stating yesterday that I am responsible for annual membership of {$75.00}. I called and spoke three different representatives today, including a supervise but that did not resolve the issue. I simply asked them to cancel the account and reverse the charge erroneously posted on my cancelled credit card account. I also told them I cancelled the account last year because of {$1500.00} credit that was insufficient for my law firm office expenses. Additionally, I have told that I have been happy to use my other credit card with Chase that gives me much higher credit limit. They billed me for the annual membership on XX/XX/XXXX and today 's only XX/XX/XXXX, and cancelling and reversing the charge should not be a major issue for them. They were unwilling to listen to my concerns and questioned my integrity that in fact I called and cancelled the account last XXXX. They have given me an impression to force me to keep this account open, which I am unwilling to do. I would appreciate your assistance with resolving this issue.
There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.
XXXX from Pendalton Capital continue to call me at work and cell when I have asked him to stop calling contacted an attorney and they determined it is a scam company. Can't seem to get them to stop calling me at work. Threating to sue and contact my supervisor.
On XX/XX/XXXX, I paid my loan off in full over the phone with my debit card to the online loan company, Big Picture Loans. The amount debited my account successfully and no refunds of the amount were ever made back to my account. Then, on XX/XX/XXXX, I began receiving phone calls and texts from Big Picture Loans stating that the amount was never debited and that the amount had actually been credited back by the lender. In an attempt to resolve this, I contacted Big Picture Loans and asked the representative to initiate a 3-way call to my bank to verify that the amount had in fact been debited. This occurred on XX/XX/XXXX and the XXXX XXXX XXXX representative was able to successfully verify that the amount owed to Big Picture Loans had been successfully debited on XX/XX/XXXX and that no refunds in that amount had been processed back to my account between the dates of XX/XX/XXXX and XX/XX/XXXX, from any entity. The representative refused to believe that this information was accurate but stated that they would look into the matter further. Since then, the company has attempted to contact me multiple times via telephone and text in an attempt to collect the amount that they say is owed, despite having evidence that no debt exists, per XXXX XXXX XXXX. I repeatedly asked the representative to send me this information in writing but was ignored.
Suntrust Bank that I had at least XXXX personal and business accounts for over 25 years decided to close my accounts for no reason. 
I was on travel XX/XX/XXXX and I was trying to use my debit card to purchase my return plane ticket from abroad and I could not access my debit card and I could not get explanation from a representative why I am not able to use my card. 
This caused me a huge inconvenience while I was XXXX miles away and was not able to have access to all my fund/debit card. 
Upon my return home, I found/received several letters from SunTrust that they will close all of my XXXX accounts by XXXX XXXX. In the letter, all my accounts were listed except XXXX. 
In this letter they listed XXXX of my account including my money market, savings, checking and payroll accounts. The only account they left unclosed is XXXX business account. 
This devastating irresponsible action by Suntrust had left me a mess. All of my bills was paid by a bill payer, my mortgage, utilities, life insurance etc. 
After being a loyal customer to Suntrust for so many years without bouncing a check or any problem to my knowledge they abruptly interrupted my accounts and it is still a mystery. This has caused me huge inconvenience until I get another bank to resume my life. There were a couple of checks that were written to Suntrust from my checking account in XX/XX/XXXX that I requested for an investigation because the amount on those checks were over XXXX I never received an answer till date. 
I doubt if that is the reason they decided to cancel my accounts. 
I would like an explanation of the XXXX checks written to Suntrust in XX/XX/XXXX and I would like to know the reason why my accounts were closed causing me distress.
Green Tree Servicing Company paid my Real Estate Tax in the amount of {$4600.00}, but I am part of the Long Term Occupancy Program for City of XXXX, and my Real Estate Tax are {$1600.00}. I contacted Green Tree to inform them, because they increased, my mortgage payments based on this transaction. I informed them of the Long-Term Occupancy Program, and they should follow-up for refund. This was not done, so I called the City of XXXX and was informed all Green Tree has to do is submit a Refund Petition with copy of the cancelled check and the City of XXXX will refund the money to Green Tree. Therefore, Green Tree has over charged me {$2700.00} in additional payment to my mortgage, because their negligence has affected my escrow account. I have called Green Tree for the last XXXX - XXXX months to try and resolve this issue with no satisfaction. I have put my concerns in writing, and it is like I am talking to the wall.
After several phone calls, letters and disputes the fraudulent inquires on my credit report remain. Please see the inquires below in question. I am not sure how this is able to happens since there is a credit freeze and fraud alert on my credit report. No one should be able to pull my report. 



XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I was approved for a loan modification through Nationstar in XXXX. I have made all payments on time as required. While recently pulling my credit report. I noticed they reported I am 90 days late. I called them and asked why and they stated under the modification loan, I am not paying the full amount. They never said this was going to be reported to the credit bureaus and it was never stated in the paperwork I signed. This modification has only saved me XXXX dollars a month and Nationstar will not remove it. I have disputed this with all the credit bureaus but I need Nationstar to cooperate as this is unfair and has destroyed my credit.
I have disputed this account on several occasions from Midwest Recovery for a payday loan in the amount of XXXX. I have contacted the company explaining I did not have an account at XXXX XXXX, neither did have I ever had a payday loan. This account and debtor continues to hassle me. I have been experienced identity theft in the past, resulting in someone getting a house in my name. This debt is not mine and I word hard and diligently to keep my credit and social security number protected. Dates of transation reporting on my credit began in XX/XX/2018, it was taken off in XX/XX/2018 and as of XX/XX/2018 it is back on my credit. I have spoken with this company letting them know this is not my account please remove off my credit but to no avail.
I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.
Recieved a Call today from my Mortgage loan servicer and was told that I was currently late on my XXXX payment. I then looked back on my records and saw that my account was debited the payment for the mortgage payment on XXXX XXXX. The representative I spoke with explained that because the payment was received early they only credited it to the principal at that time. I had explained that no it was for the XXXX payment and that it was paid on time according to there records and mine. XXXX XXXX who was the representative with Seterus - then explained that there system is not able to process it any differently and that I was responsible for late fees for the month of XXXX. After a little more discussion I was then put on the phoe with a supervisor - XXXX XXXX who then at first attempted to tell me the same thing until at which time I told her I would file a complaint with the CFPB. Soon there after she told me I would not be charged a late fee and told me to have a nice day. 
I have been in the mortgage business for over 25 years and have never heard of anything so crazy with regard to loan servicing. I am making you aware of this because I am sure this appears to be somewhat of a deceptive practice used to charge late fees and feel that others without the knowledge and experience I have have probably paid the fee and went on. This is the sort of stuff that gives my industry a bad name
During my annual review of my credit report, I have identified a collection item on my credit report : Paramount Recovery Systems.

Balance : {$310.00} Listed as an " Installment '' Debt
A letter was sent to Midland Funding requesting verification of this debt. I asked for original signed contract and payment history. It has been well over 45 days and I have not received any response from this company.
3 years ago ... we received a Shared Modification from Ocwen ... They are the epitome of a THIEF. Thy request invoices and documents of what was updated in our home. We submitted them and they have the nerve too say we can not confirm. ARE THEY A BUNCH OF XXXX OR WHAT. We fixed and updated our bathroom utilizing XXXX XXXX to complete the job. W also used a glass company to replace the Shower door. sent in those invoices. They are fools and idiots and I am tired of going back and forth. WHY ARE YOU PEOPLE NOT DOING SOMETHING ABOUT THIS COMPANY. 
I have had it with them trying to rip us off. 
Now the invoice for the shower is {$4200.00} and the invoice for the shower door is {$1300.00}. Where they got the invoice where they saw {$780.00} is beyond me. They are bunch of XXXX people. Also submitted invoice where new roof was done, gutters replaced and siding and new windows. 
NOW YOU HAD BETTER TAKE CARE OF THIS AS WE ARE FED UP.
received a voice message to my mobile phone # ( originating # of  XXXX   XXXX   XXXX   ) , stating I recently applied for a payday loan ( which is NOT true ) and I can get my pre approved {$1500.00} by going to  XXXX  and enter  promo code   XXXX
Credigy Receivables, inc and XXXX XXXX esquire have filed a lawsuit against me for debt from 1998. First, the status of limitations has passed, second they filed a lawsuit and advised they served me with an affidavit, but I never received nor did I sign anything stating I received an affidavit. So I was never aware that I needed to appear in court. I have contacted the creditor ( credigy receivables, inc XXXX for copies of all debt and payments and affidavits they claim I 've received but I have still not received anything. They originally filed in XXXX XXXX and then transferred the case to XXXX XXXX ( case # XXXX XXXX, they won a summary judgment and had all my bank accounts frozen. When I first received the letter of the summary judgment I contacted them to find out what this was in reference to and if I could speak to the attorney that submitted lawsuit ( Credigy and attorney XXXX XXXX can be reached at the same number, attorney is never available only collection dept. I did ask the collections person what happens now, all they could tell me was that now I need to wait and see what the courts say, when they had already requested that the court freeze all my bank accounts. I am unable to pay my rent, bills ( ie : credit cards ) or buy food, I have been borrowing money that I 'll probably not be able to pay back if this continues. How can I dispute something if I never knew about it? I filed for emergency motion to open judgment or to unfreeze my account to at least pay my rent and cc bill, the judge denied this and gave Credigy 20 days to respond to my request. 
I have contacted a few attorneys and almost all of them are in complete disbelief that the courts allowed them to do this. Could someone please help as I am starting to incur more debt trying to fight this lawsuit, also credigy receivables keeps increasing the amount owed to them each time XXXX because my bank received a court order to provide credigy with how much was in my account. 
This debt has n't been on my credit report and if they win this judgment this will end up on my credit report thereby ruining my credit even more. I have never received anything from this company, but it appears they purchased a debt that was discharged. Any help would be greatly appreciated! I 'll also try to reach out to some news channels to see if they expose this company 's practices.
I am a XXXX combat veteran and on XXXX XXXX, XXXX I purchased two Western Union money orders At the XXXX XXXX in XXXX, GA. to pay my rent. One was for & XXXX and one was for {$550.00}. I mailed them that day at the US Post Office in XXXX, GA. My landlord telephoned me two weeks later to tell me he never received the letter with the money orders. I called the Western Union customer service number to immediately stop payment but the customer service number is strictly an automated system with no recourse to speak to a live person about dealing with the immediate situation. I was desperate to stop payment on the money orders as they were either lost or stolen. The automated instructions were to filed a Money Order Customer Request which takes six to eight weeks. I sought the help of a consumer help advocate in XXXX who dug up a Western Union fraud phone number But when I called them the person said there was nothing they could do to stop payment and I would have to fill out the form and wait up to eight weeks for payment to be stopped on the lost or stolen money orders. only then would a stop payment be issued and only if the money orders had not been cashed. If someone had stolen them and cashed them then I wold have to file a report with the local police to try and get my money back. I tried to explain that I am a XXXX XXXX from combat XXXX and live on a small medical stipend and that I could lose my rental house if I did not pay soon. The person said sorry and hung up on me. On XXXX XXXX I faxed and sent a " Money Order Customer Request '' for to Western Union. This was the worst case of " no '' customer service I have evr experience. There was absolutely no compassion or desire to help and most shockingly, no concern about the fraud of the stolen or lost money order. They already had my money and now it was my problem. How can this company operate in the US without some accountability to the public? 
Thanks for any help you can give. I am frustrated that there is nothing else I can do from my side. I may lose my place to live if I can not resoleve this quckly.
I 've been asking XXXX for validation of this debt NOT VERIFICATION. Midland claimed to have the consumer agreement, I requested for validation but I never received it. Midland sent me an itemized bill and a bill offering a settlement. The FTC STATES IN SECTION 809 ITEMIZED BILLS ARE NOT A FORM OF VALIDATION. IM DISPUTING THE FOLLOWIG ACCOUNT WITH MIDLAND IN THE AMOUNT OF {$510.00}. I do n't not have a signed contract with Midland. I 've never done business with XXXX/XXXX XXXX Again I asked for validation inXX/XX/XXXX and I only received a bill in the mail.
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.