WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed several charges come through on my debit card that i did not notice I called customer support to dispute them as I did not authorize them. 
While disputing these charges the rep found a bunch of older charges that were also charged but under a different company name and included those in the complaint. 

I received a letter from chase telling me that the charges were to old and I would not receive almost {$600.00} in unauthorized charged refunded to me. 

Since chase has never sent me a statement I was not aware of these charges I use the chase mobile app 's quick view feature to check my balances and login only to transfer between accounts and payy credit card so I never noticed these charges until the rep informed me of them. According to the account agreement it says I have 60 days to notify them once I learn of the unauthorized charges but XXXX states I have 365 days to notify them and various other federal laws and regulations state 2 years I feel that chase is allowing criminals to steal money from consumer accounts while offering no protection to the consumer. 

Chase states they monitor my account for suspicious activity but they have failed to find a random company charging my account under multiple names for the same dollar amount unusual however they constantly block my card as unusual on almost every weekly visit to the same grocery store and gad stations.
I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. 

On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. 

During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. 

My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. 

Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. 

Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.
I n   XXXX   XXXX   XXXX   I purc hased a home. Several months later my loan was transferred to  XXXX   XXXX . During the 2 years  XXXX  has miss applied payments or not properly applied pays. Instead they held money that was intended to be additional principle payments. I called on several occasions and in the end I 've been prevented from making any additional payments beyond my monthly payment.     Now my loan had been transferred to  Freedom Mor tgage. I called to get a loan number. They where not able to provide such. I asked who or what they where. I was told they where not a bank but a mortgage company. I asked who help my loan and I was refused the information. I asked what service did the provide and again no answers given. If as the home owner and I 'm unable to get simple answers how can I trust them to "  Service ''   my loan? Additionally I asked what service they provide, the answer was we service your loan. Ok great what does that mean? Again no answer.
I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member. 
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp. 
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp. 
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations. 
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.
Creedence resource management is calling non stop from multiple phone numbers. They've called from the following numbers : XXXX XXXX XXXX XXXX I have previously reached out to the creditor to fix this issue and had been making payments.
I had a credit inquiry on XXXX XXXX, 2015 by CREDCO, which I never authorized them to hard pull my credit score. I searched this agency online and it came out this company works with XXXX XXXX. I talked with a mortgage loan specialist from XXXX XXXX that day but he never asked my SSN, and also never asked to run my credit report. But to my surprise, without my permission XXXX XXXX pulled my credit report. I want to see if there are any possibilities to get this inquiry off my credit report.
I do not know who they are or where this account or fee comes from, please help me how to remove this fraudulent account
I had a XXXX  credit card with XXXX XXXX. A few years back I upgraded my credit card to the XXXX XXXX with XXXX XXXX and closed the regular XXXX account. Back in XX/XX/XXXX I was in a XXXX store and did not have my credit card with me so I asked if they could look up my card and pay for it that way. They did, but did not tell me that they were looking at my old account and that they could not look up the XXXX. So, I made a purchase of {$65.00} on XX/XX/XXXX with them having looked up my account. Then, on XX/XX/XXXX I made a return of {$56.00}. On XX/XX/XXXX I was in the store again and did not have my card. Because they were able to do so the first time and did not tell me it was the regular card, I made a purchase for {$34.00} and then again another purchase for {$81.00} on XX/XX/XXXX in the same way. Up to this point, I had not received a bill or email saying I needed to pay a bill because the account was supposed to be closed. I never thought to login online because I had been using XXXX   XXXX online, which I consistently pay every single month and have not missed one payment. I received a late fee of {$9.00} on XX/XX/XXXX, still not knowing a payment was due. On XX/XX/XXXX I received another late fee of {$14.00}. This time I started receiving phone calls from a number I didn't know and eventually they called my parents house and my mother answered, it was XXXX. That is when I finally found out that now I was 30 days late with a payment on a card that I didn't know payment was due. About that time I called XXXX customer service to try and resolve this issue and get some of the late payments taken away - not realizing that I now would have a delinquent account on my credit report. The man I spoke to, was able to remove the last late fee of {$14.00} but did nothing else and did not warn me about the delinquent account. I recently tried to apply for a loan and got denied. I couldn't understand why. After checking my credit report, about 2 weeks ago, my score had dropped more than 100 points and i now had a delinquency on my account. I immediately called XXXX XXXX. The woman I spoke to was amazing. She spoke to a higher up person and they said they would remove the delinquency from my account. I am not sure how long this will take or if they actually will do this, but I feel as though this needs to be handled. I pay everything on time and one mess up, that I really had no control over and did not know about, has now effected my credit score and report dramatically. I want to make sure this is taken care of. I do not have the account number because I don't have access online and the automated system would not give it to me over the phone.
I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.
I applied for a refinance with Green Tree Servicing , LLC ( where I currently have my mortgage ) on XXXX XXXX, 2015. The loan officer name is XXXX XXXX XXXX and he said that my loan is approved awaiting for the title clearance. I sent them the XXXX documents for about XXXX times and they kept saying that those documents were not the correct XXXX. They were doing this for over 4 months. Finally the manager at title company stepped in cleared the title with the documents that we sent. In the meantime the title company clearing the title, the processor at Green Tree closed the file without letting anyone know. I contact the manager at Green Tree for help and he did n't help at all. Now the title is clear and I want to close the loan asap. It looks like Green Tree does n't want to refi my home. Please help.
debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, XXXX, nor Transunion has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
I am having a hard time correcting the payment status on my student loans from XXXX  XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Contact nelnet about my student loan and receive no help. I filled out a repayment application, emailed it in with the correct documentation got an email response back that it was received. I was told it would take abo ut 10  business days to get a response. received another email that they needed me to verify if I was married and if I had children and immediately responded back. now they 're saying that I filled out the form incorrectly which they 've never said before. I was not told that it was on a recorded line I was not read a mini Maranda I claiming that this is an attempt to collect a debt anything obtained will be used for that purpose which is legally they are responsible to do and I still have not received any information about the form
To whom it may concern, My name is XXXX XXXX, I was referred from my former California credit union to apply for a loan ( a Mortgage company from New Jersey PHH mortgage company ) to purchase a condo in XXXX. Beginning of XXXX 2015 that PHH mortgage company approved me at XXXX and informed me I would get a loan package via XXXX / UPS with documents that needed to be signed, information about the company, about the loan, rate etc. within 24-48 hours. I never received that package. Around 6-8 days later ( Friday XXXX/XXXX/15 ) I received an email from the loan processor, who contacted me with his info and informed me that he needed specific documents by Monday XXXX/XXXX/15 to process the loan. I called him up and told him that I was waiting on the package that the orig. loan consultant had told me, so that I can send them over the documents. I was waiting for a week and nothing had come to my address, I even had called the company many times to find out if they had sent the package out. 
I said to the loan processor guy that the time frame ( within 3 days ) to get him all documents by the XXXX of XXXX is a bit tight, because I work as a flight attendant and work transatlantic flights. He informed me that I can fax and email him all documents such as XXXX forms, income statements etc. and if he does n't get those documents by the XXXX my loan would fall through and I could not continue with the closing process. I scanned my documents and emailed what he wanted. Days later that PHH MORTGAGE company had done an appraisal on the XXXX unit/ condo that I was interested in and undervalued the property ( at XXXX ), therefore PHH suspended / froze the loan because they did n't think the bidding price at XXXX was ACCEPTABLE. In the meantime I paid for a home inspection at XXXX $ plus western union fees, and the PHH Mortgage wants to charge me a non refundable fee at around XXXX $ because the loan fell through. I called them up and said that they have n't rendered me a service because they never called me up or my agent when we wanted some updates on the process, they constantly delayed things and requested documents over and over again.those documents were already submitted by me or by my real estate agent. at the end they undervalued the loft, when the average prices of condos downtown XXXX are around XXXX and up.i believe they intentionally undervalued the loft to collect unreasonable fees from potential borrowers. Via Internet research it seems that PHH IS conducting business like that. 
It seems to me that this PHH mortgage company was scamming me and afterwards I was checking the Internet out and found out that they are taking advantage of consumers. They have many complaints with the consumer fair protection bureau, there 's is class action lawsuit against them for multiple fraud action. 
Warmest regards XXXX XXXX
Im disputing this because equifax, XXXX and XXXX did not provide me with proof that my files were validated that the law states.
I am enclosing the letter to the Attorney General 's Office. 

I am facing a hiring fraud and credit card fraud because Wells Fargo allows their accounts to reverse payments weeks after payment was received and spent again. I was paid through XXXX Wells Fargo accounts and the funds were put into my credit cards, but they were taken away again ... leaving me with a massive debt. I went to the local Wells Fargo branch to see what could be done, but they would n't help because the I was not permitted to see the XXXX accounts. 

I was scammed by XXXX XXXX XXXX if that is her name XXXX and XXXX Systems XXXX if that is truly the company name. I was told that I was hired as a buyer, but for the first few weeks I had to use my credit line to make purchases ... supposedly until the corporate credit card was ready for me. Payments were made to me in advance by following this procedure:1 ) Take a credit card with a balance and pay that off with XXXX funds. 
2 ) Ring up new charges on that card for XXXX purchases to the amount XXXX provided. 
3 ) Repeat 1 and 2. 

Needless to say, the job was n't real. The paycheck and benefits package never came. The payments to my credit cards were recalled with stop payment orders, so that the payments I had made were canceled. My XXXX card alone could cost me {$50000.00} in XXXX purchases. 

Wells Fargo enabled this kind of fraud by allowing the payments to be reversed long after they were approved. This gave the scammers a few weeks to build up my confidence, and then to hit me hard with massive reversals, all the while taking the value of the purchases I had made for them. The XXXX XXXX accounts at Wells Fargo must be showing frequent payments and reversals, and the way banks monitor their accounts these days, they must have known that this was unusual behavior, possibly criminal. 

I need to be protected as an innocent victim from this massive fraud. I also need to know that this can not be done again. Please tell me what can be done.
My Bank of America Debit card was replaced due to the bank being notified of a potential compromise to my card in XX/XX/XXXX. 

I had a automatic renewal with XXXX XXXX XX/XX/XXXX, prosessed on my old debit card number ( COMPERMISED ). 
I received a letter of renew from XXXX XX/XX/XXXX concerning renewal of the service. I returned invoice marked do not renew. They processed the renewal with OLD Debit number and Bank of America processed it through using new Debit card. Per their service rep, XXXX will allow as a courtesy one time. I do not want any bank or CC company providing access to my funds if the merchant does n't have correct information
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
I have no received and disputed this debt XXXX times from XXXX. Every time I ask for verification of the debt, they have just stopped calling. The latest debt collector, however, did provide a verification but it has no detail at all so I ca n't figure out what the charges are for. I had a XXXX account at that address but everything was paid in full when I moved. 

Now the item has been reported to my credit report despite my continued disputing of the debt. And despite requesting to only be contacted in writing, they continue to call about this debt.
this is an attempt to try and illegally collect a debt that is no longer eligible or owed for the following reasons. 
The account itself has aged out since it has actually been previously REMOVED from my report. 
I have not received any letter of reinsertion ever for this debt. 
You CAN NOT just claim a debt again once it has expired to restart the clock on it!
I set up auto-pay option on my account with the help of an account representative. I was allowed to select a payment date of the XXXX date of each month and was assured that was within the grace period. 3 months later, I noticed that I 've been charged late fees for each of the last 3 months. I have received XXXX notifications, either through the secure message part of the website or via e-mail.
My bank reduced my credit limit based on information from Experian. I immediately pulled a copy to see no issues and a score XXXX points higher then what they received. However, the bank says they are using a Vantage Score. Apparently, bureaus give consumers a FICO and use that on their credit monitoring programs. I have asked for the Vantage Score as well via mail. A consumer CAN NOT obtain this on the website and they have no option to speak to a person to address this Vantage issue at their phone number. How is this fair credit reporting?
IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.
I was late last month, and charged a {$35.00} because the payment arrived after the closing date. 
The payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!!
Re : Seterus Serviing and modification Request. 
Seterus keeps asking for payment on a loan that was transferred to them for servicing. Representatives indicated that there was a modification in place for XXXX $ $ but has not produced any documents to confirm payment amount. When pressed I was told of a payment and received documentation by fax for another homeowner 's property in PA with a different payment amount. I filed a modification request over two months ago with all documentation requested provided and confirmed received. The the bank keeps calling to ask if I intend to keep the property. Documents have been submitted which they acknowledge receiving but no modification trial has been offered. To date I have received a payment statement but no modification documents verifying this. 
Thank you.
purchased XXXX XXXX in XXXX from national auto finiance payed it off in XXXX and received the titles traded it in to XXXX XXXX XXXX texas XXXX in XXXX for a XXXX XXXX, I do not owe anything, if I did I would not have received my titles, please remove {$1000.00} off of my credit