WillisBack/dataset-financial-user-claim huggingface dataset:
i make my payments online at XXXX money card, i had went online and canceled the payment, till i talked to CHASE bank because our AC went out and it was 97 in our house, my son was having XXXX on XXXX XXXX XXXX and my wife that had XXXX 4 times was sick and the heat was to much, when i looked on debit card XXXX had sent the payment ,XXXX ONLINE PMT-CHASE BillPay - {$480.00} so i called CHASE and explained they said they understand they be no problem, so i get an email on the XXXX saying it be 7 seven days it Know the XXXX and no refund, this is the email from CHASE,,, Thank you for contacting us through our Secure Message Center. I certainly understand how needing a refund of your mortgage payment due to family emergencies can be overwhelming. My name is XXXX, and I appreciate the opportunity to assist you. 

After reviewing your account, I see that your refund was not sent by mail ; however, I can confirm that on XXXX XXXX XXXX, we returned {$480.00} to the bank that sent the payment. I sincerely apologize for this confusion. It may take up to 7 business days for this to show on this account. I can kindly suggest monitoring your account that you made your payment from to ensure your funds are returned.

If you do not see this refund in your account within 7 business days of the return date of XXXX XXXX XXXX, please feel free to contact us through our Secure Message Center or give us a call at any of the numbers listed below. We are available Monday through Friday from XXXX XXXX  to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX., Eastern Time. 

XXXX, if you require any further assistance, please let me know. I am only an email away and always here to help. 

Take care, and have a great day. 

Best regards, XXXX XXXX Chase XXXX XXXX TTY / Text Telephone, as it turns out they sent it the executive office, and she said wait till Monday and i already no they will be no transfer, from the XXXX till today it been 12 days, i fell like i discriminated against, because they just give me run around and they will be nothing done by CHASE, if customer support fails this bad and needs and executive to fix a simple solution, then something is not right, and i need help, this problem has cost me more than i ask for back from CHASE, JP Morgan
On XX/XX/XXXX I placed credit freezes with all the bureaus, as a protection in the wake of the XXXX breach. I was able to place free freezes with the other bureaus, but Transunion made me input a credit card number and then charged me {$3.00}. I later looked up their fee chart ( https : //www.transunion.comXXXXXXXX ) and saw it should have been free, since I live in New York . The address they have on file plus my credit card billing address are for my current New York address.
I spent about a half hour on the phone until someone told me that I was charged the rate for a Georgia resident. I have not lived in Georgia since XX/XX/XXXX. I have no idea why I 'm responsible for paying for their incorrect information, which I never consented to them having in the first place. No one on the phone had any idea how to refund me. They just bounced me to other clueless reps.
In the course of the calls, I was told to call another number, which I did, and it sounded remarkably like a scam. The rep 's first question was for my full social security number, which I refused to give him and hung up.
I understand the {$3.00} I was billed is a tremendously insignificant sum in the grand scheme of Transunion 's decades of unethical XXXX, but it 's still unjust and I want to do anything in my power to never give these extortionists any of my money. So I 'd like the {$3.00} they stole from me on the justification of their own incompetence back.
Thanks for any help.
I have had my phone number since 2010. I have been getting collection calls From Fifth Third Bank I believe for a collection. They call every day almost and have been doing it for well over a year. I have asked two separate people that I have no clue who these women are and to stop calling but it just continues ...
The mortgage servicer Rushmore Loan Management Services did not provide me with the Notice of Transfer Letter in accordance with 12 CFR 1024.33. The transfer was done on XXXX XXXX, 2015. Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). I, the borrower should have receive the notice from the servicer at least 15 days before the date of transfer of servicing.
this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -
Original Creditor : XXXX Issue : I do NOT owe the money and refused to pay it. They sent it to collection. It 's now damaging my credit report. 
XX/XX/XXXX : Signed up with XXXX for ONE YEAR. 
XX/XX/XXXX : Sent a letter to XXXX stating that I do NOT want this automatically renewed at the end of the contract. No response. 
XX/XX/XXXX : The contract expired. Sent a new contract via email WHICH I NEVER SIGNED. 
After this I continued to see monthly charges on my credit card. When I alerted my credit card company about the fraudulent charges XXXX could not charge my card any longer and sent me to collection. 
XX/XX/XXXX : Sent another letter to XXXX stating that I did not want this contract renewed and never signed. No response. 
XX/XX/XXXX : Letter to United Resource Systems - no response. 
I attempted to dispute this with the credit agencies without resolution.
I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
I was contacted by Navy Federal Credit Union regarding my brother XXXX XXXX because he has a debt with them. The Navy Federal Credit Union employee identified themselves and then asked if I could pass a message onto my brother XXXX XXXX. I told them no, and that I was not XXXX XXXX so they should contact him about this issue. She restated that she just wanted me to pass on a message to him, and I again politely told her no and that they can try to contact him directly. 

I then called Navy Federal Credit Union 's main extension and asked to be transferred to their collections department. I wanted to file a complaint so that there is a record with them that their employee contacted me and solicited me to do something that violates the FDCPA and the TCPA. Once I explained why I wanted to be transferred to that department the customer service representative refused to transfer my call.
We Re-Financed our Mortgage with a Credit Union, with Cash Back to Payoff Creditors. Our Credit Union used a Title Company to perform Creditor Payoffs. All but one Creditor received Payments. This Title Company has documentation they have sent two Payments, first to the regular Payment P.O. Box on Billing Statements. After 19 Days, Title Company said it was never cashed and Voided it. A second Payment was sent Overnight XXXX to a Payment Center at different street Address, Delivery received in person, yet after 8 Days has not been cashed or Posted to our Account. Our efforts to solve this are ignored by Collections & Customer Service. Our Credit Union & their Title Company are willing to again Void the Second Payment Check and issue a Third, but recommend a Manager Name, Telephone with Street Address for XXXX Tracking Delivery Verification, which the Creditor will not provide. Should we send the Third Payment to the same P.O. Box without ability to Track or document what happened to these Payments?
On the Experian credit report Dated   XXXX   XXXX   XXXX  , it lists a previous address as  XXXX   XXXX   XXXX   XXXX  in  XXXX  SC  XXXX .Geographic code  XXXX , Address identification ID #  XXXX . There was an application (  XXXX  ) put in for a  XXXX   XXXX  Credit Card at this location earlier this year that  XXXX   XXXX  contacted us on   XXXX   XXXX   XXXX  . We denied applying for this credit card. We had identity theft on our Colorado  XXXX   XXXX   XXXX  for  XXXX . We have never lived or visited South Carolina. This is identity fraud. This is also the origin of our Colorado  XXXX  tax fraud.
Portfolio Recovery - XXXX XXXX Credit Card - Outstanding Balance : {$700.00} This debt is close to 10 years old. I have been informed I can not be sued for the debt, and I informed them that I am unemployed, and was just in a very serious car accident. Their response is 'we will continue to call. ' I asked them on several occasions to please stop, as it is not a financial obligation that I can take care of at this moment, and I unfortunately do not have a timeline to fix this nearly decade old debt. 

I asked them politely each time, explained my personal situation ( which I don't feel comfortable explaining to a complete stranger ) and said that at this point, it is harassment. These conversations are all recorded on their line. 

Now they are calling me from forwarded phone numbers, so I am unable to call back directly each time - and this is a tactic to make me think it is someone in my area code. Very shady, and I would really appreciate if they would stop with the harassment.
On XX/XX/2016 I requested copies of monthly statements for XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016. On XX/XX/2016 I receive a response advising me that they have received my request and to inform me per cardholder agreement there is a charge of up to XXXX for each statement requested and to sign the form agreeing to the fee. XXXX XXXX has not provided a regular monthly statement. I have tried to access my account online but they have blocked my access. I have requested my statements for the last three months and received a response to pay {$5.00} for each statement eventhough they have n't mailed the statement denying my right to review charges and credits! Elan Financial known as XXXX XXXX has failed to provide timely monthly statements allowing me the opportunity given other regular cardholders! There attempt to extort additional funds in exchange for statements never received leaves me suspicious of this unscrupulous financial institution. At this point I want my online access reinstated and paper statements for the entire year forthcoming without delay.
Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX  phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.
I have a collection account with Portfolio Recovery Associate 's for a credit card I had with XXXX XXXX. I had got a call from the collection company on XXXX XXXX about my account. we had talked for a few minutes and they tried to lower the total cost for me if I would set up a " good faith payment '' is what they called it. they told me they could lower the debt to {$620.00} and I let them know I could do {$100.00} next Friday which would be on XXXX/XXXX/15. They agreed to that. well I checked my mail on XXXX/XXXX/15 to find a letter from them stating per our conversation over the phone on XXXX/XXXX/15 they would automatically withdraw {$690.00}. I was very shocked to find this because I had never agreed to such a thing. I automatically called them to let them know this was not what had been arranged. I had to be transferred from person to person about 7 times, one man told me he would listen to the call and then give me a call back which he did and still insisted I had agreed to this. I requested to speak with the person above him. I was then placed on the phone with the assistant vice president who said she would listen to the call recording and call me back, I got a call hours later stating that they would be returning the money if it did go through. It has gone through my bank and I have already filed with the claims department that this was not authorized and should be resolved but could take days and I have other bills to pay and groceries I need to get. I feel that Portfolio Recovery Associates thought that by sticking to saying I agreed to this amount and transferring me so many times that I would eventually give in and let them keep the money and I would just end up paying all the overdraft fees and overdrawn money back to my bank but they do n't care because they have their money now. the way they handled everything was very unprofessional and I am so unhappy with them. I really was hoping to start making monthly payments to finally pay off this debt, now I have lost trust and faith in them.
I informed the company that I was recording the phone call and I requested that they can not call me. They called me the very next day. I spoke with the same person and he told me he wont call again. I called in to try to talk to a manager named XXXX and he would not listen to me and hung up on me.
My primary bank is Chase Bank. On XXXX XXXX 2016 I made a " bill pay '' payment to a credit card that was issued by XXXX Bank. The XXXX Bank account had been closed for some time, as the payment was accidentally made to an older account still in my online bill pay records but not purged by me yet. Under normal circumstances the payment would " bounce '' and after a few days or a week, would be credited back to my account since the destination account was invalid. 

This has not happened. I have not received the funds back into my account. After many phone calls to both XXXX Bank and Chase Bank I am unable to get either bank to investigate this issue beyond giving me canned responses that it is n't their problem. XXXX Bank claims that the payment would have been automatically rejected. Chase bank provides me proof that the payment was made and not returned. I have implored them to actually INVESTIGATE the situation because obviously an error has occurred in the system. Neither bank will do so, placing the blame on the other bank. 

I just want my money returned to me.
Equifax Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Equifax these company didnt provide contact with my signature as anytime.
The note holder of my home hired a law firm to foreclose on my home ... I disputed the debt within in the 30 days required by law but the Law firm never produced the Original Note that I signed as required by law ...
The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).
my car payment is due on the XXXX of the month. If it is not paid they call me every 30 to 45 minutes of every day until it is paid, and with every phone call they leave a message.
I have been unable to contact TransUnion about disputing the following on my XXXX report, dated XXXX : XXXX. Name shown as XXXX XXXX is wrong. I NEVER go by this name. My name is ONLY XXXX XXXX XXXX, XXXX. The property deed to my only home since XXXX goes by XXXX XXXX XXXX, XXXX TransUnion XXXX remove XXXX XXXX XXXX this is not me!!!!!!!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should be corrected, this account was " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!!! 

XXXX. XXXX XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX XXXX XXXX, XXXX.
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.
XXXX XXXX have called numerous times in the past few weeks. I have several calls listed on my cell phone and home phone that is related to their company. I can provide date and times if necessary ; I have explained to them that they have the wrong person ; there is more than one person with my name and they keep calling, they wanted by social security number but I refused, I asked them to read off the last four of the SS they have listed and it did not match mine : I instructed them that I am not the person they are looking for and to stop calling. I received two more calls just today ( XX/XX/2018 ) from their listed number and then a hang up.
Dear CFPB, this complaint is in response toXXXX and XXXX investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. LVNV Funding has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) of this section 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. '' LVNV FUNDING LLC has not complied with this requirement. 
Debt collector : LVNV FUNDINGoriginal creditor : XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. LVNV FUNDING is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to LVNV Funding certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for LVNV, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
I had a bankruptcy XXXX in XXXX of XXXX discharging a first mortgage and second mortgage on my residence.The first mortgage payment has gone from XXXX to XXXX in the last 2 years and it is now XXXX am not paying the second that was XXXX in bankruptcy.I have been denied a modification by XXXX XXXXI was told upon the bankruptcy from the then second mortgage servicer to not worry about the loan because i would be ablew to obtain a discharge as the property was under XXXX XXXX originated both mortgages butr sold the XXXX to many servicers now it is being handled by XXXX XXXX XXXX are difficult and unresponsive, i have mad them offers for a lien release in the format that they requested and they are either ignored or answered with a number they know i cant comply XXXX second mortgagee had previously agreed to give me a discharge and are now reneging on the XXXX, All subsequent efforts to effectively buy the discharge results in them not hgetting back to XXXX though this is the same mortgage that had collection efforts made during my bankruptcy and even asked me to produce a " NOTICE OF NON REAFFIRMATION ''? 
I am being forced into foreclosure after having been given errant information by the mortgage servicer.XXXX
had requested Transunion to investigate a credit inquiry for lease consultants dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to lease consultants. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.