WillisBack/dataset-financial-user-claim huggingface dataset:
I had a FirstUSA credit card for a very long time. Somehow in XXXX or XXXX XXXX, Chase took over and issued my credit card statement without giving me a notice. I have never received a chase credit card and the customer service claimed that after Chase and FirstUSA merged, they tried to send me a card but was returned. Chase charged me interest about $ 50- {$60.00} a month from XXXX XXXX until today. In XXXX XXXX, I sent out {$1000.00} payment so my balance reduced to {$3300.00} in XXXX. After this XXXX statement, I did NOT receive any account statements. Instead, Chase sent me a letter saying that I authorized them to deduct $ 100 monthly out of my XXXX Bank account from XXXX XXXX. I do NOT recall that I have ever given such authorization and Chase bank refused to provide any form or proof. Moreover, after the allegedly end month of the authorization in XXXX, Chase continuously cease $ XXXX {$60.00} a month without giving me any statement or notification. I found out about this in XXXX XXXX and I stop XXXX Bank from making any further payment. Chase bank customer service team start calling me on Saturday morning and keep sending me mails about the returned payment, but still did NOT provide any statements or authorization form that I requested long ago. 

Chase failed to notify me that they were taking over FirstUSA 's credit card business. 
Chase claimed that they could not mail me the card because they do not have my address, but they can send me all the debt collection related mail to the same address without any problems. 
Chase failed to prove that I have authorized payment between XXXX XXXX. 
Chase failed to provide account statement and failed to notify me the remaining amount of my debt, which cost me additional interest over these year.
I am a merchant who processes credit card tranactions in the course of business . Hunter Warfield is  a commercial collection company attempting to collect a debt on behalf of  XXXX   XXXX  leasing, a company which leases equipment to such merchants. The dates of service originates with the original agreement dated  XXXX , and which was terminated upon closing of a business on  XXXX . Unknown to  Hunter Warfield, t he attempt to collect monies by  XXXX  is based upon fraudulent documentation. This is being dealt with through separate complaints with the CFPB anf the FTC. I have notified Hunter Warfield of my action in a recorded conversation ( names and dates on request ). There was no attempt to rectify the situation, as the representative simply said " have a good day '' and hung up, which I expected. The collection company is simply acting as directed. In correspondence from  Hunter Warfield,   they threatened collection efforts to negatively impact my " credit worthiness '' ( which is sterling ) due to my " delinquency, '' as well as threatening litigation. I informed them that they were acting on a false premise, and it is expected that they will act accordingly. I am in possession of all pertinent documents, names and dates
Last fall ( XX/XX/XXXX ), D & A Services LLC began contacting me to collect a strangers debt. After several phone calls clarifying that I am not the individual in question and asking for the attempted collections to stop, they took a break from calling me. They contacted me again today ( XX/XX/XXXX ) to pursue collections of the stranger 's debt through me. Unfortunately, due to a data breach at XXXX, all the call records prior to XX/XX/XXXX have been lost and I can not provide the dates the contacted me priorly.

I will not pay for a strangers debt and D & A Services refuse to acknowledge this. Please help me.
To whom  it may concern, I applied Wells Fargo Cash Wise Visa Credit Card from Wells Fargo website  on  XXXX   XXXX  because I saw there is {$200.00} cash back bonus promotion. After I submitted the application and got denial letter saying because I am not a permanent United States resident. And I called customer service and they told me their policy does not allow non-green card holder  or US citizen to open the card. Yes, I am on work visa, not qualified for that. But my compliant is that why they did not mention this as exclusion during the application. There is a citizen status question on the application webpage and I chose alien resident. Why did the system still allow me to submit the application? First, it 's a waste of time. Second, it hurt my credit profile as my credit inquiry increased by doing that. I strongly feel Wells Fargo has violated UDAAP as t hey have not been fully explained their policy to customers.
Over the past ten years, received exceedingly prolific amounts of unwanted mail offering Capital One Credit cards. This large amount exposed me to an increased risk of identity fraud, listing my name and address along with blank application forms for their cards.

I recently received a statement for a Capital One card I had never applied for or used, leading me to believe that either : a ) Capital One opened an account in my name without my permission or b ) Capital One 's many advertising forms requesting that I apply for a card exposed me to additional risk of fraud and someone else opened the account in my name, having most of the required information to do so from these unsolicited advertising pamphlets.

I have since spoken to XXXX from Capital One 's fraud team, who has assured me the account has been closed ( Capital One Case # XXXX ), but could not yet provide me with a letter in writing of this closure or any unique reference numbers of their report to a credit bureau for 60-90 days. Additionally, I have had to file a police report ( XXXX XXXX  PD # XXXX ), create accounts and reports with the identity theft agency ( # XXXX ) and request an individual fraud alert of my own ( XXXX # XXXX ) without the corresponding filing number for the report allegedly filed directly by Capital One.

The entire process for rectification has put the onus on the victim to rectify without any compensation for time required or stress caused by Capital One 's irresponsible and aggressive advertising methods ( in its best light ) or direct actions of opening an account on my behalf without my consent ( in its worst light ).
Paid debt in full, and debt collection company is refusing to return phone calls or write a letter to my school ( University XXXX ) so that I can have my transcripts released to a school that I am transferring to next month.
I have sent XXXX previous letters to Experian reporting company, all by certified mail ( copies of receipts are available ) requesting removal of : 1. Unauthorized fraudulent inquiries : ( 1 ) XXXX Card XXXX/XXXX/2016 ( 2 ) XXXX XXXX/XXXX/2016 ( 3 ) XXXX XXXX XXXX XXXX/XXXX/2016 2. Fraudulent Account : ( 1 ) XXXX # XXXX ( Identity theft victim ) 3. Inaccurate, false, and wrong information : XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX from my file and Experian agency has failed to do so. 

Accordingly, I can show a judge that these inquires and accounts are fraudulent and inaccurate and that Experian violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded. 

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
Bank of America sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Bank of America customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.
XXXX XXXX is showing I owe over {$400.00} for an account that was paid off to via XXXX XXXX. I disputed this on my XXXX  account as it should not be on my credit record. I also confirmed via XXXX did receive payment in full & checks all cleared the bank. XXXX didn't investigate at all. They took amcols word that I owed the money even after I told them I paid it in full to via XXXX. XXXX from amcol was still trying to collect payment & i told her they need to call their client via XXXX becausenit was paid in full. It should not even be on my credit report. I'm having no luck with people wanting to do their job & have this rectified.
We applied for a mortgage through Wells Fargo. We were locked into a rate of 3.25 % for the property. Our offer was not accepted initially. A week later, we resubmitted the offer and when we went back to submit our loan application paper work, we were told the rate on the same property was now 3.5 % because rates had gone up. Had this policy been consistent with a previous loan application, it would not have caused us to submit this complaint, however previously we were told rates were locked to a property for 60 days. On a mortgage application with Wells about 3 months prior, we have documentation where a Wells employee told us that if we apply for a loan for the same property within 60 days, Wells has to lock you into the original rate. In this case, the IR had gone down between our initial application and when the loan documents were being submitted.
It can not be fair and honest that Wells Fargo refuses to lower mortgage rates when the IR falls, but insists on raising mortgage rate for an existing application when the IR increases.

As the mortgage business is already under scrutiny for the fees charged to lock rates, I wanted to check if this was a systemic issue and if Wells can be forced to honor their initial bait and switch 3.25 % I have all the documentation, including conflicting rules sent to me by 2 different members of the mortgage and customer service reps.
I am a victim of identity theft. I have an active fraud alert with all 3 credit bureau. I am actively working to clear all fraudulent claims. I've worked previously with a collections agency for a XXXX account XX/XX/2017 which was proven not to be mine. However, that agency sold the outstanding account to Diversified Consultants. I have sent written communications to both Diversified as well as ; all 3 credit reporting agencies with no avail. With an active fraud alert and Police report on file I would like to have this account in the amount of {$520.00} for XXXX removed from all 3 agencies. I have not previously received any correspondence from this company prior to being alerted by the credit bureau.
Got a call from drs in XXXX, wa from a XXXX called back because I missed the callShe threatened that id be arrested over a debt because writing a bad check is illegal. Plus I notified the company that in XXXX proceedings ex was awarded bills and house. There is a restraining order in effect and my ex gave them my grandmothers phone number. 
These people are violent when they talk. They keep repeating that you 'll be prosecuted and jailed for the debt.
In Jan.XX/XX/XXXX, I had a $ XXXX loan with XXXX XXXX XXXX as the Trustee for XXXX XXXX, with Mr.Cooper as the servicer.Mr.Cooper increased my mortgage from $ XXXX to $ XXXX in XXXX and I attempted two very long and unsuccessful attempts at a modification but both were denied because the underwriter incorrectly used the {$14000.00} payment as part of my DTI ratio. They also informed me that there are no more interest only loans, which I know to be false. 
I know DOJ reached a settlement with XXXX XXXX and $ XXXX of the settlement was to provide relief to American Consumers and is expected to be primarily in the form of loan modifications and other assistance to homeowners. I certainly fit into that group. 
I have paid over {>= $1,000,000} on this loan since XX/XX/XXXX but can not possibly afford $ XXXX. I am not sure why they would want to foreclose on me, which they are getting ready to do. 
Thank you for any assistance you can give me.
I had a credit card with Capital One. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with Capital One without getting anywhere. I would like help to get Capital One to update this account with credit bureaus. 

Thanks.
NEW DOCUMENTS SUBMITTED FROM ATTORNEY FILE.  Coastal Credit,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX , issued a loan to me for a     XXXX   XXXX   XXXX  . I purchased the   XXXX   XXXX   from   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX  ( Exhibit A ). I returned the vehicle prior to  3 business as  the dealership violated the Law of t he State of Colora do. I contacte d Coastal Credit regardi ng the returned vehicle and instructed them to withdrawal thei r EFT payment to     XXXX   XXXX  . The company refused. I hired the law firm of  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  , to defend me regarding the actions of   XXXX   XXXX    employees ( Exhib it B1 and B2 ). In  addition, I contacted State of Colorado  Criminal Investigator,    XXXX   XXXX  , to file a criminal complaint against   XXXX   XXXX  .  Attorneys fo r   XXXX   XXXX   agreed to settle out of court and refund  Coastal Credit  for the cost of the loan. I continued to pay  Coastal Credit ti mely payments until the lawsuit terms indicated I no longer had to a s Coastal Credit wa s made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However,  Coastal Credit refused to honor Colorado law an d victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and  Mago Auto wa s to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to  Coastal Credit, retu rned the vehicle to  Coastal Credit as I was d irected by the court to do and I was not required to make any further payments to  Coastal Credit. Coastal Credit fail ed to file theft charges against   XXXX   XXXX   or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with  XXXX ,  XXXX , and  XXXX  by  Coastal Credit is a fra udulent entry must be removed.
I would like to request another investigation. I am not satisfied with the previous one. The facts are not being delivered. The company has never supplied a copy of the original bill which includes original dates from the original business. 

The date of delinquency on this account has been purged. The original date of delinquency is very clearly stated on the bill and is stated as XX/XX/XXXX. Please have collection agency validate. XX/XX/XXXX is inaccurate. The collection agency must have a different bill than I have. The collection agency has clearly re-aged this account. Re-aging this account according to FCRA is against the law. The first date of removal for this account was somehow changed from XX/XX/XXXX. I providing the information I had which is clearly showed a different date than what the collection agency is reporting. This false reporting of information has been upheld by the both XXXX and XXXX. The company is using the date that the account was sent to them as the beginning date of delinquency. The company continues to report this invalid information to the credit bureaus. Several unsuccessful attempts have been made to have this removed from my credit.
XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX placed 3 orders on phone, please see detailed below. 

XX/XX/XXXX noticed I was over charged and called to dispute three over charged. 

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX asked for refund status, provided their store policy to proof I was able to price match with coupon, asked if they got phone conversation records. 
XXXX XXXX XXXX XX/XX/XXXX was told she should have information by the end of week, but have not heard from her since. 

Order # XXXX Invoice shows {$88.00} was charged, but additional {$97.00} was added on my credit card without my consent. {$97.00} needs to be disputed. 

Order # XXXX Invoice shows {$100.00} was charged, but additional {$100.00} was added on my credit card charges without my consent. {$100.00} needs to be disputed. 

Orders # XXXX Invoice shows XXXX was charged, but additional {$97.00} was added on my credit card chages without my consent. {$97.00} needs to be disputed. 

Refund ( XXXX+XXXX+XXXX+XXXX ) have been credited, but still shows as {$17.00} is needed to be credited to my card, but I do n't think I should be satisfied just because they refunded me some. Also, the amount they refunded me was price match amount found from XXXX, but the time I placed my orders the prices were cheaper. Why should I pay for their mistakes? Besides, the price match is already done, and I should get refunded on unthorizated charges not whatever the amount they feel like to give to me.
In XXXX my parents signed me up for a loan with XXXX XXXX. A few years later when I joined the military I was told that my loan was in deferment and would not be gaining interest. I was never contacted about a change in ownership or a change in the terms of my loan. Specifically the interest charges. A few months ago I received a letter from Navient that was sent to my parents house. After calling Navient I discovered that that my loan was up to {$23000.00} ( {$8000.00} of that is interest ). I requested a copy of my contract and received a contract with only my information, and my references. No information about the loan or terms that I agreed to. After trying to determine a solution with Navient I was offered a payment option that would increase my interest to another {$8000.00}. All for a loan that cost {$15000.00} originally. I am still currently XXXX XXXX XXXX.
Car rental company misrepresented terms and conditions of the car rental process and even with what the company says is not being done : email outlining how to use partial credit received upon cancellation not received ; the credit not posted to the account ... not to mention that the credit was limited to certain type of rental that wasn't outlined in the rental agreement. 

I filed the dispute with XXXX. I did not get anything in the mail from XXXX  yet but the dispute was closed in favor of the merchant despite providing proof that the agreement was violated by the car rental company and no credit received. In email received from XXXX, first told XXXX can't control how the credit being used and ask me to contact the company by phone to figure out why the credit not posted to my account. 

I disagree with XXXX  position as feel they dropped the ball and let me take the hit. I have disputed the charge as services not rendered and since the rental never finalized and I have never received any type of credit from the car rental, the XXXX  should have reversed the charge
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account Item # 1 : I dispute XXXX XXXX XXXX - XXXX and XXXX, this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 3 : I dispute XXXX XXXX - XXXX, this account is not a charge of and has been paid in full. Please change account from charge off to paid in full. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there.
Vanguard financial service has 8nserted this account in my experian report. The original creditor did not properly bill my HSA account. Vanguard will not send original account information like i requested or respond to calls to get this debt taken care of.
I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.
Credit bureau is in violation of Metro 2 Compliance, also FCRA and FDCPA..
Bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Spoke with rep XXXX at Bank of America. She refused to speak to me unless I stated I was not recording the phone call. She did not request permission to record the phone call, and she refused to shut off their recording of the conversation. The only thing she would do is to dump me into someones random voicemail. Considering her behavior on the phone I have no doubt I will NOT receive a call back. 



All of these actions on the part of BAC are illegal. Its obvious they dont want to be recorded because they are committing violations of Federal and State Law.

Weve already caught them and they have admitted on a recorded line that they have willfully destroyed documentation on this file once. What is BAC trying to hide? Are they going the way of XXXX XXXX in this illegal behavior? 


BANK OF AMERICA DEMANDS CONSENT TO RECORD BUT REFUSES TO ALLOW THE OTHER PARTY TO RECORD??? 


Bank of America has already been fine XXXX XXXX dollars over the past 10 years for XXXX   SERVICING. Bank of America is the MOST FINED SERVICER since the mortgage crisis  began. 


WHAT IS BANK OF AMERICA TRYING TO HIDE???