WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I reported to Citicard that there were 2 fraudulent charges on my citi preferred card in the amounts of {$460.00} and {$820.00} for MR XXXX ( XXXX XXXX, XXXX, CA ). The rep told me he would cancel the card, research the fraud and expedite ship me a new card to be received XX/XX/XXXX. 


XX/XX/XXXX 2 phone calls made due to not receiving the card. I figured out Citicard put the wrong street address on the shipping label and my account. Second phone call I spoke with rep XXXX, " specialist '' XXXX and " manager '' XXXX. None of them corrected their address mistake. It was to the point I was asking for compensation for my repeated phone calls, their address mistake and not getting my card when they promised. 

XXXX was extremely rude. When I told her I didn't trust the company to do what they say they will do she then said " Ill just send your card out in 5-7 days ''. This was after XXXX and XXXX told me the second new card would be expedited and received by me Tuesday the XXXX. I told XXXX she was passive aggressive and hung up on her. 


XX/XX/XXXX I called and spoke to XXXX to make a payment on the old card as I was unable to online and didn't want to incur any interest charges. After payment was made, I asked XXXX what the address was on my account. He confirmed the address was STILL wrong. He suggested I call back again the next day and speak with " line management dept ''. 


XX/XX/XXXX I called during my work day and spoke to XXXX. I asked her to connect me with " line management ''. She stated she could help me with the address change. She confirmed that the address was STILL wrong. She then reviewed my account and stated she could not help me with the address change.

At this writing I have made 5 phone calls to try to get the address corrected, get a new card and compensation for their mistake. 


The original XXXX XXXX tracking # is XXXX XXXX XXXX so you can see the address citicard listed was street number XXXX. 

My street number is XXXX. 


What else do I need to do to get service from this company?
XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX. I have written several letters to XXXX XXXX to resolve this matter.
I contacted IC Systems on XX/XX/2018 in regards to a debt they are reporting on my credit report from XXXX XXXX XXXX. I was connected with XXXX XXXX XXXX ( ID # XXXX ). I explained to XXXX XXXX that I had previously contacted the XXXX  regarding this debt as it did not belong to me ( it belonged to my ex-son-in-law ). As a result of my XXXX complaint, XXXX agreed to remove the account from my name and delete the credit notation. XXXX XXXX indicated that he would mark the account as " disputed. '' I then asked what the process would be from there, and XXXX XXXX replied that IC Systems would take no action until they heard from XXXX. I informed him that it was IC Systems that was reporting information to the credit bureau, not XXXX, and that they are responsible for the information they report. As such, I urged that they contact XXXX to verify the validity of the debt they were reporting. His response was that it was not their responsibility to contact XXXX, but rather that it was my responsibility because it was my debt. I told him if they did not research the debt I would contact the XXXX. At that point, he provided his name and ID # and the call ended, with IC Systems continuing to refuse to research the debt they are reporting. I did follow up with a XXXX   complaint which is currently pending.
During the months, XX/XX/XXXX and XX/XX/2016, I attempted to make the payments on my secured credit card and was unable to due to the processing system being able to use my cards account number which was the only way I was allowed to pay at the time. The debit card I used to pay my bill with was a prepaid debit card and was not accepted. I didn't have problems with paying my bill before this time of incident. 

I had contacted capital one customer service multiple times to try to resolve the issue and was spoke to rudely by the customer service representative. As I was speaking, I was cut off multiple times while trying to explain the problem I was having with my debit card at the time of payment.
What is this complaint about? 

This is a complaint about my banks refusal to correct an error in a transaction sent via a Mobile Money Transfer. 

What type of problem are you having? 

My bank, JP Morgan Chase, has refused to reverse an erroneous mobile money transfer I initiated to another Chase account holder who is a stranger to me. Chase has full control over both accounts and the ability to reverse the transfer, but declined my request and in effect, is protecting the fraudulent party who they claim has refused to return the funds of {$1200.00}. 

What happened? 

I am a Chase account holder and user of the XXXX XXXX bank-to-bank transfer service. 

On XX/XX/XXXX, I initiated a XXXX payment from my cell phone to my wifes cell phone of {$1200.00}. However, I mis- entered the last digit of her number which resulted in sending the payment to a strangers cell number. I contacted Chase that same day once I realized the error and was provided a claim # XXXX and was told they would contact me soon. 

On XX/XX/XXXX, I call Chase Customer Service, but was told their systems were down and advised to call back within 24 hours. 

By XX/XX/XXXX, I had not been contacted, so called Customer Service again and was told my claim was in process and that Id be contacted within 5 business days. 

As of XX/XX/XXXX, I had not received any call backs or paper confirmation from Chase and I normally do whenever I have issues with my account such as disputes. 

On XX/XX/XXXX, I called Customer Service and asked to speak to the Escalation Dept. and spoke with Sr. Specialist, XXXX XXXX who informed me that another Chase agent attempted to contact the erroneous recipient of my transfer but that the effort to recoup was unsuccessful. He added that the recipient was also a Chase account holder. 

I asked that he initiate a reversal, but he refused. I asked for the recipients name, but he said he could not reveal that to me. I asked to escalate to a Director or VP, but he said he was the final stop for escalation. I asked what other options I have to recoup my money to which he only apologized. 

I requested a copy of my claim details and the notes reflecting Chase efforts to recoup my money, however XXXX XXXX, refused explaining that the claim information was wholly owned by Chase and that I would need to have them legally subpoenaed in order to obtain them. 

XXXX XXXX explained he could not provide any further identifying information about himself including last name, agent or other ID # nor a direct phone number for security purposes. 


Who are the people involved? 
Complaint Issued by : Myself, Chase account holder and transfer issuer Bank : JP Morgan Chase Bank Customer service/escalation : XXXX XXXX Fraudulent recipient : Owner of mobile # XXXX Identity unknown but confirmed to be a Chase bank account holder by JP Morgan Chase
Federal student loans to attend law school. My diploma has been withheld since XX/XX/XXXX because I allegedly did n't pay tuition to the school. That bill was discharged in Ch XXXX filed in XX/XX/XXXX. Actual student loans were not discharged although I asked for it because I was never given my diploma although I graduated. My student loans are now at over {$160000.00} for a degree I never received. This year my payments were tripled to {$350.00} a month. I can not pay and applied for forbearance which has been repeatedly denied.
Company LVNV Funding is attempting to collect a debt that was discharged in bankruptcy back in XXXX
In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by XXXX XXXX to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and XXXX XXXX  refuses to give me updated information.
Within days of selling my house and moving out, I suffered identify theft. I am a XXXX customer but it seems someone tried to open a XXXX and XXXX account using my social security number. XXXX cleared up the matter after one phone call. However, with XXXX and TransUnion, despite 6 phone calls, having given my SSN to 8 people, and one face-to-face visit, I have been unable to have the XXXX hard credit inquiry removed from my TransUnion credit report. 

The hard credit inquiry from XXXX occurred on XXXX XXXX, 2016. When I received the credit denied due to inability to verify information, I wrote a letter to XXXX letting them know it was unauthorized, and if by mistake, asking them to provide me proof of authorization. I never received a reply. 

A few weeks later, I learned that on XXXX XXXX ( two days after we moved out ), the unauthorized person DID open an account with XXXX and incurred debts of over {$3000.00}. XXXX provided me with an exoneration letter ( attached ), cancelled the debt, and removed the hard inquiry from my credit report. 

Unfortunately, despite contacting TransUnion and XXXX many times, I am unable to have the XXXX hard inquiry removed. I called XXXX at Transunion on XXXX XXXX who asked for my SSN and then told me to request a deletion letter for case XXXX from XXXX. I called the XXXX phone number she provided me ( XXXX ), provided my SSN, and she told me someone from XXXX would call me within 3 days. As I did not receive a call, I called XXXX again on XXXX XXXX. After giving my SSN, XXXX told me she 'd resolve the issue, but I needed to go into a store and show proof of identification. I went to the XXXX, DE XXXX store and talked to XXXX XXXX who did not know what to do. He called a secret number, the fraud department, and spoke to XXXX. After providing him my SSN backwards ( since I was in public ) he confirmed my social security number had been flagged. He told me to call the Solutions department ( XXXX ) the next day. I called them, spoke to XXXX, who told me to dispute it with TransUnion ( who had told me to call XXXX ). He said he could do nothing because my SSN did n't pull up any account. He patched me into a supervisor who put me on hold to check on things. It then got transferred to XXXX who also could not find anything on my SSN, but he gave me another number to call ( XXXX ). That number said it was the fraud department. But when I pushed " XXXX '', it went to XXXX who said she was not the fraud department and could not pull anything up. She recommended I dispute it with TransUnion ( who told me to contact XXXX ) and recommended I go back to the store. 

Needless to say, I 'm unable to get XXXX to remove the inquiry, and TransUnion will not remove it unless told to by XXXX. I request help from the Consumer Financial Protection Bureau with removing the XXXX credit inquiry from my TransUnion credit report. I have provided the letter from XXXX exonerating me, showing I was a victim of identify theft at that time, but can not get such a letter from XXXX.
Portfolio Recovery Associates has claimed I owe them {$680.00} on a charged-off XXXX card. A ) the account was charged off, B ) They have never provided legally sufficient proof of this. Further, they remove then reinstate the debt WEEKLY on my credit reports in order to extend the time it stays on my credit report. This has the effect of keeping my scores artificially low, and negatively impacts my financial status.
I applied for a loan modification in 2014 with SLS ( Specialized Loan Servicing LLC ) after mortgage loan was transferred from XXXX Mortgage to XXXX XXXX XXXX. I diligently providing all documents requested by them ( SLS ), at least two dozen times by fax, USPS and XXXX, in an effort to have the modification approved. Each time documentation packages were submitted, a call by a SLS representative would state 1 or 2 items ( documents were missing ) I was advised early on in the process that I qualified for the loan modification and the eligibility to qualify for foreclosure prevention was a shoe in, to include an option for the Home Affordable Modification Programs ( HAMP ). The result from SLS home modification and mortgage assistance failed resulting in foreclosure. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. I have recently, attempted to contact the company requesting an offical letter stating my foreclosure was redeemed and my property was sold. This required by my present employer.
I submitted a complaint to cfpb ( Complaint Number XXXX ) a couple months ago. It concerned Mr. Cooper increasing my mortgage payment from $ XXXX/month to $ XXXX/month. cfpb was able to correct this matter BUT Mr. Cooper only complied for the year ending XX/XX/XXXX. Mr. Cooper did not refund the excess escrow amount on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I sent Mr. Cooper ( AKA Nationstar ) a letter by certified mail # XXXX XXXX XXXX XXXX XXXX requesting that they re-evaluate my mortgage. They did not respond. 

A again I seek your help in having Mr. Cooper refund the excess escrow for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Regarding case number : XXXX, I have disputed the validity of the debt SWC Group LLC is attempting to collect and have asked SWC Group that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I have disputed with Equifax several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.
I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.
I purchased a house with a Veterans Administration ( VA ) loan. It was discovered that the house has an illegal septic tank that doesnt meet the minimum legal requirements. The house is located in XXXX XXXX, XXXX XXXX. XXXX XXXX law says that the septic tank should be located more than XXXX feet away from the house. [ unintelligible perhaps According to the lenders notice ], the appraiser agreed that it had to be inspected by the Department of Health for certification. It was not inspected and the closing on the loan took place anyway. I just got that inspection done, and the septic tank is not in compliance for the closing on the mortgage loan to have occurred. I stopped making payments, and the bank damaged my credit. The house cant be sold. What do I do?
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX  responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Equifax and XXXX  continues to report incorrect information regarding an installment account with XXXX XXXX XXXX. XXXX XXXX has been reporting my account late for the past 5 months and that is incorrect. they receive automatic payments for me every month and my account has not fallen behind, This is reflecting my report and it is effecting my scoring with this incorrect information. this account has not been validated or verified and I am being taking advantage of. Please remove this incorrect information from my account.
I have made payment in Full to the collection agency ( Receivable Performance Management-RPM, Washington State ) since XXXX 2014 and after several calls to the Debt collector, the information still remain on my credit report as the OPEN unpaid. i have called them several times in XXXX, XXXX, XXXX, XXXX and now XXXX to correct this error and they promised to remove but have not done anything. This inaction is affecting my credit despite making full payment.
I am owed XXXX dollars from capital one. I overpaid them and they sent me a check which I never cashed in time for the expiration. I have been chasing Capital one for 100 days and keep getting the run around as to where my check is. I have been told for two 30 day cycles that the check is in the mail, and that they overnighted a check and it was returned undeliverable. please help. the last person that they passed me off to was a XXXX XXXX at XXXX XXXX XXXX XXXX, her pin to enter her phone is XXXX, her extension is XXXX she is not taking my calls anymore. they had another person in an " executive '' office XXXX XXXX her pin to get through to her is XXXX, her extension is XXXX she is no longer taking my calls either. She does not like to be told she is incompetent and or not motivated at her job. PLEASE HELP
I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
I attempted to find out why Bank of America would not provide me with assignment information about my mortgage loan/promissory note when I asked them for it via a XXXX Qualified Written Request ( QWR ) ; however, they did not provide a sufficient answer about why they did not provide that information. Instead they chose to only mention their XXXX response to a second QWR ; in which they provided me with a false assignment XXXX years late. I believe that their failure to provide me with timely notice to the XXXX XXXX violated RESPA XXXX XXXX XXXX. I also believe that the fact that they had robo-signed a back-dated assignment years after the previous mortgager XXXX Countrywide XXXX, went out of business also violated the XXXX Judgment of the XXXX Mortgage XXXX. I further believe that they should be made accountable not only to me, but also to the States Attorneys, the XXXX XXXX XXXX XXXX XXXX CFPB XXXX, and to the Dept. of XXXX XXXX XXXX XXXX, by whom they are being monitored according to the XXXX Judgment. 
What they did was wrong. They should not have been allowed, nor be allowed, to conduct business this way ; and they definitely should not be allowed to get away with it. 
I would also like to know why their responses ( XXXX and XXXX XXXX, mention that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is the current owner of the Note ; however, that not only does n't come up on the XXXX XXXX site, but I have also been given contradictory information that the Note holder is XXXX.
All i want is my life back chexsystems saying i do n't owe anyone then why I 'm i not able to open an account
I received a letter from Caine & Weiner that was dated XX/XX/2019 saying that they've been hired to collect debt from me. I do not recognize the company Caine & Weiner claim I owe money from. The letter instructs me to call Caine & Weiner if I didn't recognize the debt and I did call multiple times, on XX/XX/19, XX/XX/19, and XX/XX/19. All three times no one picked up and 2 out of 3 times I left a voice message with my information for them to call me back. I did not receive any phone call back from Caine & Weiner.
Because Bank of America has dual tracked I am facing the possibility of being sued under a claim of right to title and, therefore, the right of ownership and possession. Just to be clear, any resulting dispute based on Bank of America and XXXX, the Trustee at the time of sale, choices to begin foreclosure and property separation processes is not a matter of eviction or tenant/landlord issues as it is an ownership and right to foreclose issues of law. 

Currently, there is no pending litigation or other disputes before a California Court challenging my adverse possession and time barred debt claims, or any other claim or concern set forth within the XXXX CFPB complaints related to the loss mitigation process or the 2007 Deed of Trust and my home loan mortgage account in general and the XXXX HAMP modification and process in specific. 

All previously mentioned resolutions are desired and mandatory and are to include, but not limited to, all associated housing and storage expenses and costs for all periods for which residentcy, possession, and occupantcy has been disrupted or otherwise prevented on and within the subject property.
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.