WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.
There is a fraudulent charge on my account that occurred during the time my account was serviced by XXXX. However, XXXX has been very helpful each time I have spoken with them and verified that the information and duties are now with XXXX for my XXXX XXXX XXXX card. XXXX was about to put me on a 3 way call with XXXX twice and helped me explain the situation, both of these times the representative looked at the account and then informed me that I needed to be transferred to another department. During both of these calls, as soon as the XXXX rep left the line the Synchrony rep became rude, then one of them transfered be back to XXXX customer service instead of the Synchrony fraud department as they said they were doing, the other said they were transfering me to the Synchrony fraud department and instead just hung up. They refuse to allow me to report the fraud that happened in the amount of {$3600.00} on XXXX/XXXX/14.
I have made numerous attempts to have this issue resolved with Discover regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
As a result of the XXXX data breach, I was trying to freeze or lock access to my credit report to prevent identity theft. After successfully doing that with XXXX, I attempted the same thing with Transunion. After completing my request and locking my report, I received an email informing me that I was being charged {$22.00} monthly. 
At no time while completing my request was I presented any costs or let alone asked to approve charges. I did provide credit card information, but it was requested in such a way that I thought it was a part of the identity verification process. 
The only way to contact Transunion is by phone. So, when I tried to contact Transunion by phone, I could not get through leaving me with no way to resolve this issue. I tried three different times. There is no email contact method offered. 
My major complaint is that the website is at best confusing and at worst deliberately misleading.
Hello, Recently My wife I have been the subject of fraudulent charges and checks on our Chase Checking and Savings Account. 

The claim in particular I would like to settle and request further action is in regards to an {$1800.00} XXXX Transcation that was done with a stolen Debit Card. Chase issued a credit to our accounts, transferred this credit to our new accounts with the  provided information and inclination that all fraud inquiries were done in order to transfer money out of frozen accounts to bad accounts. Then, they reverse their credit decision and take back {$1800.00} from our accounts. 

On XX/XX/XXXX someone used my debit card to make an {$1800.00} XXXX Purchase. 

This was reported as Fraud to XXXX on XX/XX/XXXX A claim and inquiry was taken and issued on XX/XX/XXXX for the transaction. 

A temporary credit was placed in our Frozen Checking Account on this date as well XX/XX/XXXX. 

Both our checking account and savings account were frozen by Chase, and all funds in those account were frozen as well on XX/XX/XXXX. 

As a result, my wife and I opened up two new accounts with XXXX on XX/XX/XXXX with  borrowed money from family. 

The freezing of the Accounts Continued until XX/XX/XXXX. 

On XX/XX/XXXX, the credit of {$1800.00}, along with {$70.00} remaining from our old now closed accounts was transferred to our new accounts. 

On XX/XX/XXXX, we received word that Chase has concluded their research and has found that the claim is invalid, and that the {$1800.00} XXXX charge will stand On XX/XX/XXXX, XXXX reverses {$1800.00} credit and removes it from our Checking Account. 

At the moment, I am going back and forth with Chase to provide their research findings. 

I am beyond upset that the bank not only reversed their action, but took back the claim credit. 

On XX/XX/XXXX Chase stated that our old accounts would be closed and available funds would be transferred to our new Accounts as soon as all Fraudulent Activity Claims were researched and Finalized. On XX/XX/XXXX we receive funds from our closed accounts, including the {$1800.00} from the XXXX Transaction. Chase reversed their claim, and took back the credit they gave us for this Fraudulent charge.
I contacted BMO Harris regarding our XXXX auto loans that we have financed with them. Both loans are current accounts & have never been past due. My husband recently was out of work due to XXXX & there was payroll issue with his check. To avoid being late, I contacted BMO Harris to inquire about a deferment/extension since this would be an a short term issue as it was already in process of being rectified. After they reviewed the accounts, while I did qualify for the deferment/extension they would not approve it because it was based on my husband 's income interruption & not mine, but both loans were listed in my name since I usually handle the car shopping for our household. I explained to the representative as well as the supervisor that our household works off a joint income and a delay of {$1000.00} was an impact to paying our monthly bills as it would be for many people. They still declined the request again for the only reason being that it was not my direct income being impacted. I feel I was provided a lack of service due to being honest. As a good consumer who pays bills in a timely fashion, I feel this situation should have been looked at with a different level of scrutiny vs. to the letter of their policies. Working in the same industry, I understanding having policies, regulations, and guidelines, as well as when there is room to service the consumer with flexibility within those same practices.
Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you
A supposed debt collector is trying to say I didnt pay cash call when In fact cash call sold my debt and I paid off that debt collector now theyre harassing me
I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.
In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent  as of  X/2012  ev en thought they have always been current.
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I was wrongfully charged the early termination fee of {$550.00} by XXXX XXXX in XXXX, 2018. I have been trying to resolve the issue and contact its customer service department several times. And a couple of times, they told me to drop the charges but didn't happen as promised. Instead, XXXX sent it to collection agency.
RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute.
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX  ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
I went to a Chase ATM to deposit my money. I made 5 separate deposits but during my second deposit of {$1000.00}, the machine took the money but printed out a receipt that said it experienced a technical difficulty. The money was never credited to my account. 

I called up the claims department and they said they will check up on it. They gave me temporary credit but after a month they reversed it, saying they could not locate the funds. I am certain the machine took the money. I asked to see security footage of the ATM but they have refused. It is a similar situation to this article which recommended this service : XXXX I went to the branch where the ATM is located and the employee there told me multiple people have been having problems with the same machine. They reopened the claim for me but I have yet to hear back.
Equifax continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed on my credit file. 

In my last letter I gave them the new and relevant information ( proof that the creditor did not have authorization ) they needed to conduct their investigation. Yet they still verified these inquires. It 's troubling that Equifax continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they ca n't pull. They have failed their responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of their willful non-compliance, I 'm sorry but you left me with no choice. I will be filing complaints with the following agencies : FTC, XXXX, XXXX in your state, Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, XXXX, Advocates for Fair Credit Reporting, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

These complaints will be filed because Equifax just simply refused to follow the law of the FCRA. I had no choice as you forced my hand by not deleting the un-authorized inquiries.
I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.
I became XXXX in XX/XX/XXXX and notified MOHELA, the company holding my loans ( {$58000.00} ; {$8800.00} and {$5200.00} from XXXX ) that I was no longer working and dependent on food stamps as I applied for XXXX. The customer service agent, XXXX, said I would be placed on zero payment due status because I was receiving food stamps. I began the process for permanent dismissal of the loans through XXXX. Over the past two years ( it has taken over 4 years to qualify for XXXX because I have severe XXXX at least 4 days a week and suffer from XXXX XXXX/XXXX ), MOHELA representatives began calling, sometimes twice a week. I notified them that I was still on food stamps awaiting XXXX and was forced to allow a friend to live in the home I had rented since I could n't afford the payment, and lived with different friends ; therefore, I did not receive communications from MOHELA. On XXXX XXXX, I called MOHELA and spoke with XXXX, to let her know documentation had been submitted to the Dept. of Education/XXXX to dismiss my loan permanently. Although she initially indicated she would correct the delinquent payment indications on my credit report since my circumstances had not changed until I was approved by XXXX ( though still waiting for payments ) ; she indicated I would have to complete another form for them because dismissal by XXXX could take up to 120 days ( I submitted all required documentation to them XX/XX/XXXX ). Then she told me she would not make the corrections to my credit report ( which have dropped my FICO score 200 or more points ). I am afraid to sign anything from MOHELA after this experience. I simply want MOHELA to remove the delinquent payment indications on my credit report because of the financial hardship I was suffering for the past four years ; I am XXXX XXXX ; and I was not in the home to receive communication from them.
I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. XXXX, JPMogan Chase Bank, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " XXXX '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.
On  XXXX   XXXX  I received a letter from  Wells Fargo informi ng me that my PMI was cancelled as of  XXXX  the amount that was taken out for the PMI was $  XXXX  each m onth, they continued to take the money for  XXXX ,  XXXX ,  XXXX . The new loan amount was $  XXXX  they continued to take out {$1100.00} until  XXXX , I have called them at least  four tim es concerning this matter each person has a different explanation of where the mon ey is one sa y it in the escrow account, the other say they can send me {$80.00} my escrow account is up to date I just sent {$200.00} in  XXXX  to make up the shortage so I think that the money is ours and should be sent to us.im not sure if they can just take our money and as they please, I thank you f or any help you can assist me with, The mortgage is taken out of our Wells Fargo checking  account the  XXXX  of ev ery mounth
I called Wells Fargo in XX/XX/XXXX and was set up on a payment for the back mortgage payment. When I called in XX/XX/XXXX to make payment I was told the payment plan was deleted on X/X/2017. The customer rep told me her supervisor will review the call to see why the payment plan was deleted. On XXXX XXXX, 2017 I received a notice of intention to foreclose mortgage letter date for XX/XX/XXXX. I called WFM again and rep told me a supervisor will be getting back to me about the deleted payment plan. No one has called back about this issues.
I was contacted by Quicken Loans on my cell phone ( which is registered with the state and federal do not call list ). Said was regarding a loan application I had submitted online and they needed to talk to me to proceed. XXXX XXXX was the person calling. XXXX. I had not submitted any loan application, so I was terrified my information and identity had been stolen. I called back and when pressed, they admitted they had purchased my information from someone who mines internet data and they were trying to get me to take out a loan. I was livid. They were totally misrepresenting the situation ( saying I had submitted an app online ) just to get me to call so they could try to sell me a mortgage loan. This is, in my opinion, a scam and it should n't be legal.
XXXX  put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :
Years ago when my student loans were not consolidated, Navient encouraged me to consolidate at a lower interest rate. They made me seem like I was going to save money when the exact opposite happened. I said " can I get a breakdown of the loan amounts and the current rates and what the new rates would be '' and when I got a letter in the mail stating the consolidation had happened I called back immediately and said I was only " inquiring '' of the rates. The new consolidation rates were almost 4 % higher then some of my current rates that were only at 1.5-2 %. The new interest rate was only going to save me on one loan but drastically increased the rates of the others. I called back and they said there was nothing I could do, that it had already happened. I told the representative that I had not allowed it, only inquired ; and why would I agree to a higher interest rate? I called multiple times and no one ever helped me. I accused them of bullying me and I cried and begged on the phone for them to help me while I watched my balance increase from {$40000.00} to over {$130000.00} ( today ). I just saw that action was being taken against them and I need to have my case against them heard. As of today I am signed up for the income driven repayment, that I have no hope of paying off with out a full-time job. If Navient would not have misled me and tricked me into consolidation I may at least still be under {$100000.00} ... which is still disheartening. I recently tried to contact attorneys in California to get help with my case against Navient, I know there are others in my situation. I did not know that the CFB was an option until I read about the recent action taken by the CFB against Navient. Please add my story to your list of grieving, hopeless underemployed student borrowers.
Equifax mishandled my personal information including name, social security number, address, birthdate, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by pushing the injured parties that they are responsible for to sign up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I submitted a QWR to Nationstar. 
The response that I received was not complete, nor was it timely, and does not comply with the required rules and regulations regarding information request. 
They are vague, condescending and untruthful in their response. 
They chose not to provide proof that they are the authorized tender to my loan.
I have been a Wells Fargo customer since 1999 and had a couple of loans with them which I have always paid on time. They stopped sending statements on XXXX of the accounts so I missed a couple of payments. They sent me an e-mail so I immediately called. They claim that my address was correct and they had the correct e-mail and yet the only correspondence I had received from them was asking to call. I explained that I had not received statements and they could clearly see how long I had been a customer, and that I had always made payments on time. I asked them to remove it from my credit report and that I wanted to pay the balance. The manager was very rude and said that I knew of the account and that it was my responsibility whether I received statements or not. They did n't care in the least that I had been a long standing, good customer. I will never do business with Wells Fargo again and I would strongly suggest that you consider another alternative. I have been with XXXX XXXX XXXX for a much shorter period, and they have provided excellent customer service and seem to genuinely care about that.