WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Business Card Services contacted me in early XXXX saying they needed to verify my company 's legal status. According to them, I could do this by submitting either my social security number, my companies ' FEIN, or resale number. I believe there was a XX/XX/XXXX deadline to provide this information, or else my account would be closed. 

I called Chase in late XXXX / early XXXX and spoke to a customer relations person. I gave that person my company FEIN, and was told that ( for some reason unknown to me ) they were not able to verify the information I gave them. The person then asked me to fax them documentation that included my company FEIN, such as a tax return or a business license, which included my company resale number. I did so on XX/XX/XXXX by faxing them my company business license, which included my company resale number AND my company FEIN. I have proof of sending this fax. 

So, I submitted the information they requested WITHIN their time deadline. 

I received a letter from Chase dated XX/XX/XXXXsaying thank you for submitting the documents they requested, but that the information was not complete and my account will remain closed ( it should not have closed in the first place ). 

I want my account re-opened. NOt only does my company need access to credit, there is now information in my companies credit profile that states credit has been taken away by Chase, which ofcourse is detrimental to my company. I have been current in all my credit accounts, personal and business, including the account in question.
XX/XX/2018, {$690.00} disputed inaccurate information to all three credit bureaus asking for original documents. Never sent but updating information as accurate when its false.
I have received numerous calls from this company saying they are attempting to collect a debt. I have no debts. I called them back at their call back number to request the stop calling. An individual by the name of XXXX XXXX spoke with me and said I would have to send them a letter stating I have no debts. XXXX XXXX then tried to obtain personal information so I terminated the call.
my wallet was with all my property ; include my driver license, my social security card, my credit card. I had reported to the law enforcement. as I continue to say those charge that appear on my credit report are not belong to me I sent you the report you refused to make the necessary change according to law. if do n't think this not correct call them.
I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
I wrote a while back to let you know that I have been working with Bank of America and XXXX XXXX XXXX to modify the terms of my home equity lines of credit and to no avail. 
We have spent the last 12 months submitting requested items to Bank Of America only to receive another declination in the mail this week. They are playing games and we have been paying the newly adjusted payment since XX/XX/XXXX that has quadrupled and is an extreme hardship. When the XXXX heloc adjusts XX/XX/XXXX we will no longer be able to live in this home we built and maintained for the past 19 years. Only with these XXXX loans extending the interest only portions for another 10 years will we be able to stay in this home. We are XXXX and I am forced to continue working due to the housing demise of XX/XX/XXXX that wiped out our XXXX with my total loss of income and my husband 's forced retirement who was on XXXX since XX/XX/XXXX now receiving half pension from XXXX where he was injured on the job in XX/XX/XXXX. 
We need help with these XXXX loans and requesting your intervention to make this happen. 
I wrote six months
I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ...
I have submitted a complete short sale packet on XX/XX/XXXX2016. Once received the lender ( DI-TECH ) ordered a BPO ( broker price opinion from an REO broker which is in my opinion a conflict of interest as they they are not Licensed or Certified Property Appraisers and are not allowed to make adjustments for repairs. I was then told to get XXXX Estimates from Licensed Contractors in regards to the cost of repairs. I have done all that was requested and submitted to the lender who seems not to know what department is actually handling this short sale. There is an assigned Relationship manager named XXXX whom i have never spoke with and has not tried to make contact. There is a scheduled sale date for XXXX/XXXX/2016. and i am waiting to conform if the sale has been postponed.
This complaint could be much longer and include many more details, but I will keep it as brief and concise as possible. 
I ordered a watch from a merchant, which arrived with several defects. XXXX of the defects was bent hands, and I took it upon myself to straighten them myself. 
I carefully checked the merchant 's terms and conditions before I did this, and there was nothing which indicated doing this would invalidate the warranty. When I notified the merchant about the problem and told him that I had fixed it myself, he immediately acccused me of lying and blocked my from accessing his website by banning my IP address. I asked to return the watch for a refund, as the merchant obviously was not going to honor the stated 2 year warranty. My request was denied on the grounds that merely opening the watch case voided the warranty - even though this was not forbidden in the merchant warranty policies. 
I disputed the charge on my credit card through Capital One, who sided with the merchant. It turned out that in the merchant 's response, he fraudulently altered the terms and conditions on his website in response to my dispute, and then submitted those in his rebuttal. In other words, the warranty policy that the merchant relied on in the dispute was not the same policy that was in effect when I made the purchase. It was XXXX that the merchant invented specifically to deny my claim. 
I provided proof of this fraud to Capital One in the form of screenshots of the merchant website, but they would not change their ruling. They only said that they had to base their decision on the merchant 's policy, even though I provided proof that the policy was changed after my dispute was filed. The specific changes can be seen in this screenshot : XXXX 
Afterwards, I contacted the merchant again, asking him how he justified changing the terms whenever he felt like it, without even notifying customers. His response was that it was always the " intent '' of the policy, he just made it " more clear ''. Unfortunately, as a customer who relies on the text of the policy as stated ( not the merchant 's intentions at any given time ), this leaves me at a disadvantage. And I do not believe that Capital One and Visa properly took this into consideration during my dispute process.
On XXXX XXXX, 2016 I made a {$300.00} payment to First Investors Financial Services. I have spoken to them several times concerning the payment, sent them documentation to prove the payment was made, and had the bank ( XXXX XXXX ) contact them twice concerning the payment and First Investors Financial Services has continued not to recognize the payment. Please help me get First Investors to recognize this payment I have made.
In XXXX I got an American Express XXXX card at my local XXXX. Everything was fine until late XXXX. I had my banking debit card linked up and had an automatic transfer of {$2.00} per day and one day I made an extra {$20.00} transfer ( Id give exact dates but I can not get into the account anymore ). I had issues logging in and was like maybe the site is down. I called that evening and was told that I had to do bank verification for the card, which made no sense because they were claiming that the {$20.00} deposit was suspicious activity. A deposit, not a withdrawal or charge. The way the they wanted the bank verification was suspicious and they said it was required to continue using the card. I declined since it was weird how they approached the situation. I was escalated twice to a manager who said in 7-10 days my account would be fully closed and a check mailed out for {$12.00}. It has now been over a month and a half and I still get alerts that the money is with American Express and that they are still attempting to debit {$2.00} every day.
* I took a loan out for XXXX dollars and they are charging me a 63 % interest rate and they are not working with me so I can pay off the loan faster. They are only allowing me to pay off in a short amount of time I would of never signed the loan if I knew how high the interest rate is.

I have called several times and this company will not work with you and make accommodations to get a better rate.
A company has reported false information to all 3 credit bureaus. This company claims that I owe a balance of {$130.00} of which I do not know anything about. The open date is XX/XX/2018. I have disputed the account with all 3 major credit bureaus, and they have all come back verified. On my XXXX  credit report the account status updated to charge-off ; after my dispute exclaiming the account not belonging to me.
Repeated phone calls from at least two different phone numbers to my work phone. Calls are made by an automated system and instruct me to call back a certain number. I began rejecting these directly to voicemail ( XXXX ; XXXX ). I am having my work number changed in the hopes that this they have a wrong number. 

Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented ''
TransUnion and XXXX credit bureaus have an outdated " hard '' credit inquiry listed on my credit reports that is over 2 years old. 

The inquiry is from XXXX XXXX Bank on XX/XX/2016. 

Under the terms of the FCRA ( Fair Credit Reporting Act ), passed by Congress, a credit bureau must delete all credit inquiries that are over 2 years old.

In addition, the credit bureau must send the consumer an updated credit report, via USPS first class mail, showing that the outdated inquiries have been removed.

I have contacted these 2 credit bureaus to have them comply with the FCRA rules, but to no avail.
XXXXXXXXXXXX Per attached Best Buy purchase of XXXX ( XXXX ) Office 365 Product ( back-copy ) and receipts, I was under the impression that if I did not " scratch-off '' the back of the XXXX Office 365 product-card ( see attached ), the product could simply be returned to Best Buy and put back on the Best Buy store shelf for another purchaser. 

However, upon returning to the Best Buy XXXX XXXX, XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX with the " unscratched '' XXXX Office 365 product card, I was told by the Best Buy store salesman XXXX XXXX and Best Buy customer service rep that even if I brought it back in the 15-day window time for returns, since it is " Software '' it is NON-REFUNDABLE. 

No where on the receipt, or during the purchase, or posted on the purchase aisle in the store was I made aware that since it is " Software '' it is NON-REFUNDABLE, but rather, I was led to believe that if I did not scratch-off code on the back, I could simply return the product to where I bought it. 

As a " naive '' buyer, I was also led to believe to always buy software for any computer purchase, but the XXXX Airbook ( XXXX Air, XXXX Air on the receipt ) apparently is able to use cloud-based docs and spreadsheets, and does n't need any " downloadable '' software. 

The original Best Buy salesperson XXXX XXXX and Best Buy Customer Service rep were unable to help me with any possibility of return and explained that once the XXXX Office 365 product was scanned at the register, at that point in time, it became non-refundable - even though I did n't scratch-off the back of the product card and even if I had brought it back in the 15-day return-time window. 

I was not made aware of this at the time of purchase, but rather was simply made aware of the need to scratch-off the back to use the product. 

Customer service at Best Buy XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX told me to call XXXX, which I did, and they gave my this email XXXXXXXXXXXX to which I wrote. 

What is the official procedure for Best Buy, or ANY store that sells separate software along with computers, to accept return of UNUSED/UNSCRATCHED XXXX product to enable a refund or exchange? 

At the attempted time of return, Best Buy in-store Customer Service seemed to imply the onus was now on me as the " owner '' of the software-license to NOW deal directly with XXXX (?! ) since their cash-register-scan removed the product from their shelves without the possibility of return. 

However, further enticement was made at the time of purchase to perform the purchase via " new '' Best Buy Credit Card, which also was done, again with the implicit ( and now-found-to-be-INCORRECT ) assumption that returns could be made to the card if the XXXX Office 365 product was deemed unnecessary at a later date. 

Please investigate and reply.
I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me
On this day, XXXX XXXX 2016, I called Wellsfargo to close out my last checking account. After calling the bank in request to close the account. I noticed after 10 minutes that my account ( s ) were still open and accessible online. The account balance is {$0.00} with no balance owed. However under Transactions I show : " PAYOFF DEBIT, NON-INTEREST WITHOUT FEE ''. When I called wellsfargo back to have the online account access deleted/cancelled/removed and ask for a cancel/closed account receipt ; the bank refused to assist. The bank customer service transfer me to a supervisor by the name of : " XXXX XXXX '' who repeated that the bank would n't assist with sending me a cancel/closed account receipt via email, fax or USMAIL. I informed her that this is the reason why I 'm leaving Wellsfargo. ( This request is reasonable and is doable in the branch. ) I informed her that I would be filing a complaint as nothing I 'm request is unreasonable. I 'm trying to protect my identity the bank, Wellsfargo, has refused to take steps to protect me as a consumer and this is the reason for this complaint.
Equifax is ignoring information that was sent to them inregards to my accounts with the us dept of ed they have a letter in there files that tells them to remove all accounts I am not on the XXXX report witch is the fed dept report they can not verfy any information other then what is given to them this accounts need to be removed they are sharing information with every one who runs my report that I have debt I do n't owe they are allowing a compy with no right to report to my credit to do so
AS OF first Week in XX/XX/XXXX : I 'm seeing XXXX hard inquires on my credit. They are from a car dealer XXXX XXXX XXXX in XXXX Ohio. They asked if I would cosign as backup for a vehicle for my husband. I specifically refused to fill out the application or to sign ANYTHING until they knew if he needed a cosigner or not. They said they would n't run my credit without my signature, I never did sign or fill out this application and they ran my credit twice. Did not bother to call me either to inform me that my credit was ran. I did n't authorize this. I have retrieved the unsigned form one of the banks got for a credit application. Again this is unsigned and, not filled out by me! The bank stated they get them unsigned often. What good is a signature if they run consumers credit without it and especially without consent? XX/XX/XXXX : Update : So I have been fighting this and have called and gotten the run around each place I call. One of the banks however has been very cooperative where as the other has not. The bank that 's been cooperative ( XXXX XXXX XXXX ) emailed the application form that I did not fill out or sign. They are also going to look into mailing me a letter of dissolution which is what XXXX  said I needed. Second bank ( Columbus Finance ) unwilling to work with ME when they pulled MY info keeps saying for me to call the dealer so I just called and spoke with XXXX. Recorded the phone conversation. I feel he was eager to get me off the phone, said he would call me back, I asked when. He said to give them 10 days. He denies pulling my credit, then when I tell him I had the form I actually did not fill out and it was unsigned he said I gave him my DL which is his way at trying to justify that for a credit pull. seriously?! You provide a DL to test drive not to pull credit. They know they were in the wrong, stumbling on words to get me off the phone. The Credits pulls are from XX/XX/XXXX and XX/XX/XXXX.
I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.
Sent mortgage payment due on  XXXX   XXXX ,  2016  in  XXXX   2016 , received by Bank of Ameri ca ( BAC ),   XXXX   XXXX ,   XXXX  . Between time payment sent and due date Bank of America raised payment amount due because of increase in escrow. Difference sent and received by  BAC   XXXX   XXXX ,  2016 . Payments due by  XXXX   XXXX  to avoid late fee. BAC did not credit account with difference until after late fee due date so that they could charge late fee of {$69.00}. I have contacted BAC regarding this and have received no response.
On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the XXXX XXXX, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX-XXXX with a XXXX-XXXX of {$970.00}, since they were the ones who provided me with a copy of my XXXX-XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my XXXX and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX XXXX means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX XXXX of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX XXXX XXXX of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask the Hyundai XXXX XXXX XXXXXXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with the Hyundai XXXX XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
I had a prior loan with this company and refinanced it, on XX/XX/XXXX i refinanced my current loan, they automatically take the payments out of my bank every other week, ( on my payday ) While i was vacationing i had my bank account compromised, i called Rise and informed them of this and told them one payment would not clear but all subsequent payments would be fine, they then continued to take 6 payments and applied all to interest due to the one missed payment, but did not explain this missed payment would do this to my account, finally in XXXX i got a supervisor that credit one payment as interest only but I still do not feel taking over 600.00 in interest only payments due to the misfortune of my bank being compromised was fair to me nor did they explain to me this would be the case, they did not offer me options like a deferment to prevent this until 6 months after the fact. the payments that did not include any principle payment were dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as shown on my invoice attached.
The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?