WillisBack/dataset-financial-user-claim huggingface dataset:
I want to file a Complaint against : Chase Bank. I am a victim of " Dual " Tracking ''. On XX/XX/XXXX I sent Chase a completed RMA. ( Request For Mortgage Assistance ) packet. Two weeks later the rep confirmed they had received it and it was complete. I was approved for a Short Sale. I listed my house on XX/XX/XXXX and received a contract on XX/XX/XXXX with a $ XXXX escrow check. Currently there is a Valid contract on the house with the $ XXXX deposit. My Realtor can verify this information. Chase rejected the first offer. On XX/XX/XXXX a new offer was submitted. It has not been accepted or rejected as of this date XX/XX/XXXX. 
On XX/XX/XXXX Chase sends me a letter requesting more info from the XXXX. office ( Short Sale Dept ) I call, they tell me " No problem, all paperwork is in ''. XXXX Reps agreed all paperwork is in. On XX/XX/XXXX..Chase sends me a Foreclosure Notice and a Sale Date of XX/XX/XXXX from Fla.from the Foreclosure Dept. This is a " serious '' violation of the XX/XX/XXXX RESPA ( Regulation X ) Mortgage Servicing Rules. According to CFPB " dual tracking '' is when a mortgage lender or servicer simultaneously is evaluating a Consumer for a loan modification or alternatives at the same time that if prepares to foreclose on the property. The final servicing rules make it Unlawful for the mortgage servicer to lead the Consumer down one track where they think they are being considered for a foreclosure alternative when the Consumer is begin led down another track to foreclosure ''. I have done everything in my power to make this Short Sale work. I have prepared countless hours of paperwork to listing the property, getting a valid buyer with funds ready to settle. Only to have them " play games '' and give incomplete answers to questions. I am XXXX, XXXX. They said I would get $ XXXX HAFA money to re-locate yet will not put it in writing. This was a condition of me willing to do a short sale. I now want $ XXXX to relocate and for this Short Sale to go thru.
On XX/XX/17, I purchased ( via telephone ) a sample of " XXXXXXXX XXXX XXXX '' and a sample of " XXXX XXXX XXXX '' ( for a total of {$10.00} ) from a company identifying itself as " XXXX XXXX XXXX '' in a television advertisement, having used my " Discover '' credit card to pay for my order. This order was billed to my Discover card and subsequently paid. 

I subsequently and unexpectedly -- received a package ( which I did not order ) via USPS, the label on which reflects the sender to be XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX, and indicates the contents are " XXXX '' and " XXXX. '' ( As of this date, this package is still unopened. ) On XX/XX/17, my Discover credit card statement reflects a billing by XXXX XXXX XXXX XXXX   XXXX XXXX an amount of {$89.00}, and an additional billing on XX/XX/17 by XXXX XXXX XXXX XXXX XXXX of an amount of {$87.00}, a total amount of {$170.00}. I assumed it was a billing for the aforementioned package delivered by USPS, again which I did not order. 

On XX/XX/17, I contacted Discover to dispute the XX/XX/17 and XX/XX/17 charges and was told the charges would be removed from my account and the matter investigated, and I was instructed to retain the aforementioned package pending the outcome of the investigation. 

I then received my XX/XX/17 credit card statement from Discover and found it to reflect two additional charges identical to the XX/XX/17 and XX/XX/17 charges mentioned above, again totaling {$170.00}. 

On XX/XX/17, I called Discover about the additional charges and was told that Discover would block my account so that the XXXX products company could not charge against my account any further. I was again instructed to continue to retain the unopened package mentioned above. 

I subsequently received correspondence from Discover stating the following : XXXXeve completed our initial investigation of your disputed transaction and have found in your favor. This means well reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. 

I then received my XX/XX/17 credit card statement from Discover and found that Discover had not only reinstated the credited/disputed charges totaling {$350.00} but had added additional charges of another {$87.00} and {$89.00} ( totaling {$170.00} ), for a grand total of {$530.00}!!

I feel I have been misrepresented by Discover, in that they informed me that their investigation results were in my favor and then subsequently reversed their decision after they received information from the company who placed fraudulent charges against my Discover credit card without my authorization. Additionally, the XXXX products company NEVER provided me with any documentation as was sent to Discover either at the time of my original purchase of the samples nor at any time thereafter.
requested debt validation and was hung up on and threaten to never be able to get a job and live poor. 

Informed this company I am required by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit and they hung up on me.
I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised XXXX XXXX could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
Loan officer, XXXX XXXX for Primary Residential Mortgage pulled both my credit report and my husband 's credit report without out consent. Officer never even spoke to my husband to obtain any approval. I told him up front we knew our credit was too bad at this time to obtain a mortgage and we were not wanting to apply for one, but just wanted information on possibly options for us in the future. We were unaware that he pulled our credit until we checked our credit a month later and noticed the score had lowered for us both due to hard inquiry by Primary Residential Mortgage. More than a month after he pulled our credit report, XXXX XXXX emailed me asking if I would sign a credit authorization consent form for his compliance department as he did not get this from us in XX/XX/2016 when he pulled our credit. We refused to sign the form and told him via email that we never authorized him to pull our credit in the first place and in fact, told him we were not wanting to pull our credit because our credit scores were too low at the time.
Hi, I have private student loans taken out while I was in XXXX. I pay extra on these every month, directing my payments in an attempt to pay them down. 

I have XXXX loan with a ~ {$12000.00} balance at 5.4 % interest.In repayment since XX/XX/XXXX. I have paid {$230.00} over the past XXXX days and they are still showing I have a payment of {$150.00} due with {$50.00} of outstanding interest. I pay regular payments every month, in many case bi monthly and I still have large amount of interest outstanding across my XXXX private loans serviced by AES These loans have been in repayment since XX/XX/XXXX in the case of the other XXXX loans but the payment always goes to mostly interest, even with me paying extra. 

I do not understand how large interest amounts acrue with me paying regular extra payments.
After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} not mine XXXX XXXX {$110.00} not mine XXXX XXXX {$350.00} not mine
It takes over a month for them to post payments that are made in excessive of what is due, so they can continue to charge more interest. I made the payments online, so I should n't have to pay a penalty for them taking so long. I also do n't agree with the interest charged. The interest should be less each month due to my overall loan status going down, but it is n't. When I was making payments through the mail, Navient would post the extra money I paid on the lower interest loans as well. This should automatically go towards the higher interest loans.
I want you to contact Citibank and XXXX XXXX XXXX of Citibank, XXXX and ask him why my online Dollar Account is still not activated after i paid all the fees they had asked me to pay.I paid {>= $1,000,000} for the online dollar trust Fund account and {$500.00} for the Authorization and Activation fees which Citibank and XXXX XXXX XXXX of Citibank, XXXX ask for on the XXXX XXXX 2016 and then Citibank and XXXX XXXX acknowledged receipt of my payments fees and said they are working on my Online account, but to date nothing has not been fixed.I want Citibank and XXXX XXXX to be exposed and also i want the XXXX Police, Fbi, and XXXX and CFPB to intervene and force the Citibank to fix my account and i also want to take my account to other Banks which will treat me with respect.I owe people money and i cant afford to starve when i have money at Citibank, XXXX and the people i owe money dont trust me and said i am a liar when i told them that Citibank, XXXX is still busy with my Account.The last email i received from Citibank and XXXX XXXX XXXX was on the XXXX XXXX 2016 telling me that he is busy with my online Account and that he will activate my online account but since then, i have not heard nothing from him or Citibank.When i try to contact XXXX XXXX XXXX and Citibank, XXXX, they keep ignoring me or dont attend to my calls or emails.I am not happy at all and i want actions to be taken against Citibank and XXXX.Should you need additional proof of documents and job id card of XXXX of Citibank, XXXX feel free to contact me on my email address and i will forward you with all the documents, Proof of payments i made to XXXX XXXX bless of Citibank, and all his emails he send me and his Citibank Job id card .I look forward to hearing from you and how to resolve this with Citibank , XXXX.I would also like for Citibank to refund me all my money i paid to them and XXXX XXXX of citibank, XXXX and possibly take my Account to other Banks which will treat me with respect.There are better banks like XXXX , XXXX XXXX XXXX and others which can give me better service than what Citibank is doing to me.Thanks Regards XXXX XXXX XXXX XXXX
I have had repeated phone calls from XXXXsomething. Finally, I got sick of it and started answering just to see what they wanted. Yesterday it was XXXX, today it was XXXX. Always very noisy in the background like it 's a call center. I can make out Diversified or XXXX something, calling to collect a debt owed XXXX, not paying could go on my record, call may be recorded. Today I was able to make out that they think I owe them about {$240.00} and they wanted to know if I was going to settle the debt using a credit card or checking account routing number. 
No mention of thirty days to dispute. Both times my reply was " I have n't had an account with XXXX in about a decade. I am not paying you anything. '' and hung up.
XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.
Fidelity Rewards Visa Signature deprived me of my lawfully earned cash rewards by depositing my cash rewards to phantom account. I have 12 accounts at Fidelity including two checking accounts. Ironically, Fidelity deposited my cash rewards on two prior months into the account I provided automatically. For the period ending XX/XX/XXXX, Fidelity deposited my cash rewards into a phantom account I know nothing about. And this came after I complained about a customer service rep. Fidelity gave me XXXX rewards points due to the unprofessional behavior of their rep. Now my account has been tampered internally by a Fidelity VISA employee. I want my full rewards points and any applicable penalties and interest by law. This is a clear case of retaliation by Fidelity 's rep and fraud by someone within their organization
This complaint in with XXXX XXXX XXXX XXXX. I have had an account with XXXX since XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an XXXX program. Upon receiving my loans from XXXX XXXX assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from XXXX and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from XXXX of {$600.00}., {$450.00} and other amounts. 
I immediately called XXXX and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, XXXX informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with XXXX as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet XXXX has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to XXXX.
Reference complaint XXXX, this is an addendum to same ; on XX/XX/2018, a representative of XXXX XXXX XXXX XXXX called to " Discuss '' the aforementioned complaint. I told the representative I did not want to discuss the matter verbally but instead have all correspondence to be " Written '' and please not call. The representative immediately said " Then you want no further contact from this office? '' I again said No that is not what I said and repeated I wanted only written correspondence for this exact reason. The representative was not respectful in any way to my self. He was not respectful to the process nor did he seem concerned with any possible ramifications of my allegations against XXXX XXXX XXXX XXXX. I believe the representative called so that he might relay to the CFPB that the " Issue had been resolved '' by virtue of just calling and nothing could be farther from the truth. The rep acted annoyed at having to call.
Harassment! Calls up to 10 times a day from the same number ( XXXX ) XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to me.
I provided information to Experian and the creditor XXXX XXXX in XXXX and XXXX of XXXX which proved that the XXXX XXXX ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. Experian indicates in the status field of my report that " This account is scheduled to continue on record until XXXX XXXX '', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact Experian online about this matter.
Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.
I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent. 

DATE : XXXX/XXXX/2015 Entry/Inquirer : HNB Small Business B
I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.
I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds.
Lender requires proof of flood insurance for the building ( condo ) on an annual basis, which is provided automatically by the insurance agent. Each year, lender sends a letter of reminder that they need the proof. Each year, I contact the insurance agent, who confirms the date/time the proof was sent. Each year, I then contact the lender who confirms receipt. 

Same thing this year. I contacted the lender in XX/XX/XXXX, was told by the agent they had received the information they needed from the insurance agent. 

Yesterday ( XX/XX/XXXX ) I received a letter from the lender indicating they had secured a flood insurance policy on my behalf, and set up an escrow account to handle the fee. They indicated that the policy they secured ( {$860.00} ) meant that I now owe them {$1600.00}. 

I spoke with the lender today. The agent confirms they *DID* receive the information from the insurance agent, but they still need the DECLARATION PAGE ( which does not appear on the original notice ). They have asked me to obtain and fax to them. If they are satisfied, they will look to unwind the process they went through to obtain flood insurance and bill me.
I have an unverified account from KOHLS/CAPONE. I had previously disputed this account. I have never done business with KOHLS/CAPONE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KOHLS/CAPONE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KOHLS/CAPONE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XXXX/XXXX/XXXX I attempted to use an M & T bank branch ATM. I tried to withdraw XXXX $ from my checking acct with a balance of XXXX XXXX The ATM took a long time, deducted the XXXX $ from my acct and never disbursed it. The receipt showed the money dispensed but never did and the monies were deducted from my acct. I have had two phone conversations with m & t bank since and they tell me it will require a lengthy investigation that I can not wait for as I have pressing financial issues and live paycheck to paycheck. Essentially they stole XXXX $ from me.
I am trustee for my late mother-in-law 's trust. I set up a trust account with Ally Bank in XX/XX/XXXX. Since my mother-in-law passed away ( XX/XX/XXXX ), I need to re-assign the taxpayer ID associated with the account replacing it with an EIN. I recently made a request via Ally 's secure messaging system ( and per verbal direction from the Ally trust department ) to make this change, submitting the Ally trust maintenance form and copy of the death certificate. I received a response message from Ally that I am was not authorized to make such a change. I responded to Ally that I am trustee for the trust, and have already provided Ally with a full copy of the trust that states this. I have received no response from Ally since that message ( two weeks ago ).
XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I FILE CHAPTER XXXX BANKRUPTCY ON JXX/XX/XXXX AND THIS ACCOUNT CAPITAL ONE AUTO FINANCE WAS INCLUDED AND DISCHARGE IN MY CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX DOCKET NUMBER XXXX. CAPITAL ONE AUTO FINANCE NEVER WENT BACK IN AND INCLUDED MY PAYMENT HISTORY IN MY BANKRUPTCY DISCHARGE. I WAS INFORMED BY XXXX   THAT THE CREDITOR NEVER UPDATED MY CREDIT REPORT. SINCE THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY MY PAYMENT HISTORY SHOULD NOT BE SHOWING ON MY CREDIT REPORT. SECOND I MADE A PAYMENT ON THIS DISCHARGE ACCOUNT FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX IT SHOWS A 30 DAYS LATENESS FOR XX/XX/XXXX. THERE SHOULD NO CHARGE OFF REPORTING ON THIS ACCOUNT AS I STATED BEFORE ANY PAYMENT NEGATIVE PAYMENT HISTORY IS DISCHARGE UNDER MY BANKRUPTCY