WillisBack/dataset-financial-user-claim huggingface dataset:
I was attempting to buy concert tickets via my bank Chase and a transfer service XXXX. I was purchasing 2 tickets at XXXX $ each for a total of XXXX XXXX I did the initial transfer and then was told by the scammer that he accidentally declined it. I requested to see confirmation but he said it was a " pop up '' and he didn't have it. 

Reluctantly I sent another XXXX XXXX he stopped responding, and I have since tried to get any sort of identifying information from both chase and XXXX. Both have said there is nothing they can do for me. They initiated a claim and said they could send out a letter. 

There is identifying information about this individual that they have available to them but refuse to provide to me based on company policy in turn protecting the thief who stole from me when, within their power, they have the ability to find out what bank account this was transferred to and then the name associated with that account. In other words they can find out who stole from me but are withholding this information as well as declining to reimburse me for the money that was stolen. 

Chase Claim Number : XXXX This person who stole from me has identified themselves as " XXXX XXXX ''
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.
The short sale package was submitted for review in a timely manner. SPS has continuously throughout the review process ask for documents that have already been submitted to be resubmitted again. Delaying process over and over. Most recent submitted of a hardship affidavit was submitted on XXXX/XXXX/16 at which time i was told file was in review for a decision. I called on XXXX/XXXX/16 to follow up on receipt of affidavit it was confirmed received and i called on XXXX XXXX, 2016, and was told file in review. I called again today on XXXX/XXXX/16 and was told that file was going to be escalated because it was not submitted in review on XXXX/XXXX/16 as it should have been. Now we are going to have to wait again for review without a specific time frame and are going to lose the buyer due to these inadequacies by short sale lender. Original short sale package was submitted on XXXX/XXXX/16. There should be a comprehensive review and specific as to what items are missing or need to be supplemented so they can be provided at once within a 30 day period. Instead every time i called they requested for an additional documents. Delaying process to the detriment of the seller and buyers.
On Wednesday, XX/XX/XXXX, I transferred {$1100.00} via Western Union to a friend in XXXX ( name, XXXX XXXX ). The transaction Tracking Number is XXXX. Western Union charged a {$15.00} fee, as well as taking a profit on the currency exchange of approximately 5 %.

I made the transfer based on Western Union 's representation that the funds would be available to the transferee in " 1 to 2 business days. '' The funds were not available in 1 to 2 business days. It's now been 3 full business days and the funds are still not available.

I called Western Union to ask about the status and get a refund of the {$15.00} fee since Western Union did not perform as promised. The agent I spoke to lied to me ( she said the funds " are now available '' when they are not ), that it was " not possible '' to refund my fee, and then said she was transferring me to " the department that can help you. '' She then transferred me to a dead line. I was courteous at all times during the call, but would not accept answers from the agent that were obviously false.
XXXX and XXXX fraudulently report Experian, XXXX, XXXX and NYS XXXX XXXX. Experian, XXXX and XXXX continue the fraud. Please refer to attachment.
I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
I bought a ring from XXXX XXXX XXXX, in XX/XX/XXXX. a gift for my grand daughters college graduation ... ... ... ... I have proof of receipts by the owner, XXXX , that I RETURNED THE RING, ..when I realized I had gone over my head ... 
Last XX/XX/XXXX, I got a letter from collection agency ... My financial counselor at my XXXX XXXX called XXXX, ( collection ) wrote letters, explained that the ring had been returned ... I thought this had been cleared up ... NOW, again, I get another letter a year later, with the same issue..Please, because of this problem, my good credit is in question, and I truly do NOT owe any money on this ring ... Whatever you can do to help me, will be greatly appreciated ... Thank you, sincerely, XXXX XXXX XXXX
On XX/XX/2017, I sent a certified letters to Aargon Collection Agency, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$490.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt.

Under the FDCPA Section 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
I have provided XXXX, Transunion and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number.

Lexis Nexis was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ).

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX  XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.
In XX/XX/2018, I First received notice from Ocwen loan servicing stating that my condo insurance expired. I immediately contacted my Home owner association and submitted proof of insurance online. A few weeks later I received another mail that they did not receive my insurance coverage and that they were going to buy insurance on my behalf. I called in and spoke to agent who said I do have insurance but my hazard insurance has expired I explained to him that my overall coverage included hazard insurance. The agent put me on hold and called the insurance company who confirmed that hazard coverage was included. The agent then told me not to worry about it and everything would be taken care of. A month later I received the same letter that my insurance has expired Then I called in again and got confirmation that its been taken care of. Then a month later I got another email saying the same thing. This time I called and asked to speak to a supervisor and recorded the conversation as it was stated in the beginning of the call that this call may be recorded for training purposes. The supervisor who seems to be from XXXX put me on hold and then the call got disconnected and never called me back. I then submitted a claim to XXXX but didnt hear back Then on XX/XX/XXXX I received another certified mail saying my hazard insurance has expired and if I dont provide proof of coverage they will purchase it Talking to the agents have been very tiring and not so helpful. Theyseem to have a really strong accent and dont understand what we say. This is still not resolved.
I had an account with XXXX and wanted to add my husband onto my account. A store salesman convinced us to switch to a business account, which we did. They upgraded our phones and we were all set. A couple of months later ( recently ) I began to get phone calls where an operator was on the line and then, brought a man on. He knew my name and said he wanted to verify my address which he mentioned. I said I did n't know who he was and was not going to verify anything. He would not say anything else. He called at least XXXX times a day from XXXX in the morning to XXXX or so in the evening for a couple of weeks!! I called XXXX XXXX my phone company who tried to help. I submitted XXXX phone numbers which they blocked. I was about to go to the police. I had nightmares ... He KNEW my address ... I did n't know if someone was going to come and kill me ... I was not aware of owing any bills. Today I was going to have my phone turned off when I get mail from Receivables Performance Management. They said I owed XXXX {$710.00}. I was not aware of owing this. I am a customer of XXXX! I was never informed of owing them anything!! After talking to XXXX, the person who switched my account failed to switch my phone to the new business account. So, I owed the entire amount of that phone which was supposed to be on a plan over time. They sent it to collections, and COULD DO NOTHING TO HELP ME!! They never sent me a bill or let me know in any way that I owed this.
I have a Mortgage Loan serviced by " Selene Finance ''. I tried for about XXXX Years to get a HAMP Loan Modification. The Loan changed hands of Servicers but my application was declined multiple times. 
I was so frustrated with the process that finally I applied for a Short Sale in XXXX XXXX. This process went on for over a year .In fact the Buyer Offered more than a full offer but they declined the Offer. The Loan outstanding is about $ XXXX. The Buyer progressively increased the offer and his final ALL CASH Offer was $ XXXX. But demanding $ XXXX, Selene Finance declined the Offer, strangely Now, they have scheduled an Auction of my Property on XXXX XXXX, XXXX. I am left with no option but to re-instate the Loan or lose my house in Auction. I got their re-instatement quote of {$220000.00}, only yesterday, although I have been following up through my XXXX XXXX for about a month now. 
I am working very hard to arrange this sum. As it is a very large sum of money, I request your good selves to arrange to postpone the Auction by 1 more month, so that I can arrange this money.
Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically.
I was not told about the foreclosure date nor was I informed. I called the bank and had an understanding that we will fix the unpaid balance as soon as I finalized the divorce proceedings. I am still protected under the scra ( Soldier Civil Relief Act ) but they  already foreclosed my home. I have tried calling them.Theyy took my property out of the house I don't know if they put it on storage or what happened to it. I was under a judge orders restricted to enter my house and was waiting the final decision to return to my house but the bank took control and changed the locks to the lthouse the realtor in charge send some pics of the remainder of my stuff still held in the garage but I call the new realtor selling my house and was told they got rid of all my property I was not even evicted. I have the money to continue making the payments but they are not making any attempt to settle and rather foreclosed on me.
We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.
I have applied for Chase Freedom credit card and was denied because " Too many credit cards opened in the last 2 years. '' I feel this is a discriminating policy against divorced people ( I got divorced last year ). During a divorce the parties are forced to close credit cards that are issued on both names and open new cards with de-novo credit inquiry and credit check. There is no way around it, the accounts have to be closed and new credit cards ( CC ) have to be issued. Even though I have had another CC with Chase for 10 years with no late payments and no carryover balance ever on the account and even thought I was approved for house refinancing twice after the divorce and was approved for about XXXX CC, Chase had denied my application. When I called to depute the issue, I got to talk to XXXX ( the senior support specialist ) and he was no help. He kept putting me on defensing by constantly asking why do I feel that Chase discriminates divorced people. Instead of giving me any solution to the situation I was forced to defend why I felt the way I was. XXXX did n't tell me when I can reapply and what is an acceptable amount of CC that could be opened in the past 2 years. I feel this is an unfair policy that is discriminating against divorced people, and yes I know that Chase was n't notified of my divorce, but anyone knows that divorced people will have too many CC opened in their name right after the divorce, and I do n't know about another group of people that is going to have a lot of CC opened in a short period of time. So, yes, this policy is discriminating. There could be better parameters used to avoid such a discrimination and still provide Chase with " credit safe '' customers. If I was approved for refinancing my house twice during the past 2 years, I do n't think getting a CC should be an issue, I did n't ask for a particular credit limit or credit transfer, which I never use. So being denied really feels like a discrimination.
Dear XXXX, XXXX And Equifax, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


EQUIFAX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding Equifax to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
The regulatory complaints team that represents the Home Equity Line of Credit application from my lender is failing to do their due diligence concerning my application. Their whole argument rest on information which they asked of a TransUnion consumer rating agency service recommendation. Is the bank too lazy to do their own job correctly? When I reported the death of my spouse, the bank promptly stopped automatic money transfers from my joint account, thereby triggering a delinquency as stated in the XXXX report. The bank goes further to perpetuate their own incompetence by inferring that the agency 's reporting played no part in their decision. But to the discredit to their own inability to give an example to what specifically they found ... They say we are unable to supply specific reasons for their decision. 
I have had only XXXX payment delinquent. I have paid cash for most of my purchases with just a few charges to my credit card. Since my spouse died I have refrained from using any credit that was in both our names to prove I have changed to a single person status. My belief is this example of unlawful discrimination is based on arguments I have had with personnel at the loan processing center at the bank. This person is on record as being rude on the phone with me as a consumer, and I question whether his personal feelings attributed to the denial in assessing the loan. His name is XXXX, XXXX # XXXX, because he has not investigated beyond looking at a simple credit score. I do n't know what they pay him for if not to due an investigation of assets that I have, which total over XXXX. 
The regulatory complaints team headed by XXXX of Bank of America should be ashamed of the performance they have added to this violation. In a letter finalizing their contact with me they submit XXXX proof of evidence, which was a denial letter written by XXXX. That 's hardly a testimonial, and a lack of due diligence of taking the task of reviewing the findings beyond a cursory information letter, standard practice for an institution that marginalizing the individual and denies the public equal protections under the law.
During my loan modification thru Making Homes Affordable GMAC tacted on {$30000.00} to the end of my loan. They sold to XXXX and XXXX stated there was nothing they would do about it. XXXX also did nothing.
I opened a Barclay Card Financing credit card in XXXX XXXX and charged {$2200.00} on it. I paid {$200.00} a month and paid it off by XXXX XXXX ( last payment on bank statement attached ). I tried to use the card over the XXXX holiday XXXX but the expiration date was XXXX and it took me XXXX tries to get the correct card which I received after the holiday. I have not used the card since XXXX XXXX as I am paying down my other credit cards. ( I had XXXX in XXXX and was just getting back to work in XXXX ). I received a letter from Barclays XXXX XXXX stating they have closed my account for inactivity ( attached ) and they informed me in a letter after they closed the account. I contacted Barclay with my biggest concern which is that my credit report that I 've tried hard to improve will be adversely affected. They agreed that it will adversely affect my credit report but said they ca n't do anything about it. I waited over XXXX minutes to speak with a supervisor who never came on the phone. I feel this is completely unjustified. After having a sizable balance, paying it off consistently and with a higher than required monthly payment, paying down my other cards so that I can be free of debt and a responsible consumer, I am being penalized by Barclay for no good reason expect pure greed and consumer malice. I feel that Barclays Bank is encouraging irresponsibility with the intention of greed and getting away with it.