WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint on Chase Cardmember Service regarding their handling of a fraudulent charge on my visa credit card. On XX/XX/XXXX, on our way back from XXXX, XXXX to the US, my friend and I took a local taxi ( merchant name : XXXX XXXX ) from our hotel ( XXXX ) to XXXX XXXX Airport for a flat rate of XXXX ( {$67.00} ). After back in the US and on XX/XX/XXXX, I noticed on my credit card account there was also a charge of {$310.00} from the same taxi company for the same day service. I immediately contacted Chase and disputed that charge. On XX/XX/XXXX, Chase sent me a letter acknowledged my dispute ( case XXXX XXXX ) and with that letter Chase also included a copy of both taxi charges ' meter printout receipts. After close examination of both receipts, I noticed the followings : ( 1 ) For the {$67.00} charge, the XXXX XXXX meter printout has a time stamp of " XXXX XXXX/XXXX/XXXX A XXXX '', and, for the {$310.00} charge, a XXXX XXXX meter printout has a time stamp of " XXXX XX/XX/XXXX A XXXX ''. That is, the XXXX taxi arrived at its destination 48 seconds before my taxi 's arrival at the airport! ( 2 ) The XXXX receipt has an identical - in both shape and size - of the signature I signed for my actual XXXX taxi receipt, i.e., they copied my signature onto the XXXX receipt! Based on those XXXX facts, the XXXX receipt is clearly fraudulent! When I received a letter from Chase Cardmember Service dated XX/XX/XXXX which stated that they considered the XXXX charge valid, I sent them a letter on XX/XX/XXXX pointed out the above XXXX facts, along with additional documents ( my hotel reservation and checkout receipts, my taxi driver 's hand written XXXX receipt ) as well as additional data ( distance from the hotel to the airport which could only resulted in the XXXX flat rate charge ). I have now received another letter dated XXXX/XXXX/XXXX from the same Chase office stating " Our latest review confirmed our previous findings that the charge is valid because we are unable to support that a billing error has occurred on your account. '' But the fact is this charge was not an error, rather a fraudulent act! That Chase letter also suggested that " We encourage you to contact the merchant directly for a more favorable outcome. '' I did contact the merchant via email on XX/XX/XXXX and, after received an email reply next day from XXXX XXXX of the taxi company and per his/her request, I emailed them a copy of my XXXX receipts ( both the meter printout and the driver 's hand-written one ) and a copy of the XXXX charge on my billing account. On XX/XX/XXXX, XXXX XXXX of the taxi company emailed me back stating " We 've got all the information to check, so we will inform you as soon as possible. '' As of today, XX/XX/XXXX, I still have not heard anything further from the taxi company -- another sign of the fraudulent act by the company!
XXXX has received our authorization multiple times. Today, XX/XX/18, XXXX  is refusing to speak to us, claiming there is litigation on the file. There is NO litigation on the file. There is an executor, and the executor wants to do a short sale. 


THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General
I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). Equifax and XXXX  both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form XXXX. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.
I am reaching out for assistance with a lingering matter with XXXX XXXX XXXX XXXX doing business at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

In XX/XX/XXXX I filed a complaint regarding excessive text messages and collection calls received from XXXX employees. At that time I communicated employees actively texted my cellular number of XXXX after I communicated I did not wish to receive electronic communications from the lender. 

Today, XX/XX/XXXX, I phone XXXX to request lien releases on my XXXX XXXX XXXX as well as my XXXX XXXX XXXX. The individual advised my request would be forwarded to upper management which lead to me being contact by XXXX legal counsel. 

During my conversation with XXXX  attorney I was advised I filed a complaint with the CFPB and did not respond and I could receive a release on my title if I paid an outstanding in 2 payments. Upon hearing this information I advised the attorney I did not owe any money to XXXX and in XX/XX/XXXX she advised the company would not reimburse me for expenses and fees incurred as a result of the repossession but my account would be closed and noted as paid in full. 

Attached are my phone records XX/XX/XXXX through XX/XX/XXXX showing phone calls between XXXX XXXX Ohio location as well as the XXXX legal counsel.
I open a check account for my high school Soon XXXX XXXX XXXX bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.
Signed contract and applied for a End Loan with XXXX XXXX/DHI Mortgage in XXXX XXXX. I provided all my documentation right away within 30 days of the original contract date ( information was sent by way of email directly to the Mortgage Loan Officer ( MLO ) and can be provided ). Per the contract I was suppose to have a pre-approval within 30 days of the contract. I did received a pre-approval/Conditional approval letter until XXXX/XXXX/XXXX and the home was completed the end of XXXX XXXX. Through this process my credit report was pulled multiple time with out my knowledge ( my credit score started and remained over XXXX last pull my credit score was XXXX. Each time a different hurdle came up. I jumped through hoops each time to satisfy the request. In the end the loan was denied stating it did n't meet their guidelines. The contract was voided without my knowledge and I was n't even given the 45 day notice to obtain financing with another lender. The sale price on the property was {$250000.00} and it on the market for {$270000.00}. The home appraised higher than anticipated therefore I feel my family and I have been taken advantage of in many ways.
As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.
They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter
I've disputed account on multiple occasions. Amount is not correct. Account was charged off and closed. I did not sign a contract with Calvary Portfolio. I do not owe Calvary. I did not take out anything with Calvary.
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I submitted a mortgage application to the XXXX XXXX branch of Citizens Bank located in XXXX, NY in XX/XX/XXXX. The mortgage broker for Citizens sent me a closing cost estimate and embedded into the estimate a full point without disclosing to me he was doing that. It was clear he did so in order to lower the rate and become more competitive with other lending institutions I was talking to. It turned out that the cost of the discount point was more that the interest I would have saved if I had taken his rate. When I complained to the branch what he had done the branch negated his action as unimportant.
I bought my item on the phone through paypal, told me he will deliver it next day. Next day comes tries to get more money out of me.
The Eastbrooke Group, llc has contacted me and used fraudulent tactics of jail and charges against my name and social security number to get my debit card information to collect on a debt at 10 years old. Everywhere I 've researched this is a scam. I 'm concerned that my identity will be compromised.
I opened my first Chase credit card on XX/XX/XXXX. Since then I have opened and closed more cards with chase. I have always payed my cards in full every month and have never been late on a single payment. I have been a customer since XX/XX/XXXX with my chase checking account and have never had a negative balance, I also financed my car with chase and fully paid it off. I took some time off from getting new chase credit cards, however on XX/XX/XXXX I opened up a business card and was instantly approved. I opened another on XX/XX/XXXX, two more in XX/XX/XXXX, and most recently two in XX/XX/XXXX. I was approved for all of them. Some were approved automatically and others I had to speak with the lending team and shift credit from opened accounts to be able to open the new card. The reason I opened all these cards is because I travel a lot and like to maximize all my rewards. I never once carried a balance or had a late payment. Suddenly on XX/XX/XXXX Chase closed all my credit cards and sent me individual letters for each stating " too many accounts opened recently '' and " too many requests for credit or/reviews of credit ''. I reached out to Chase and they said the decision was final. As a customer since XX/XX/XXXX I felt this was extremely unfair. If they have an issue with opening all these cards they should simply have rules in place to not allow me to open them. I even offered to close some, or reduce my credit limit but they decided not to keep even one opened. They charged me annual fees on these cards which I have paid and still closed all my accounts.
I have multiple unauthorized credit inquiries  (   XXXX  in total ) over the past year coming from the same agency. The first  one  started on  XXXX   XXXX ,  XXXX  till the last one that happened  XXXX   XXXX ,  XXXX . This appears in   XXXX   and  XXXX  credit reports.
XXXX XXXX XXXX XXXX overcharged me with a {$10000.00} bill for a single epidural injection. The insurance company negotiated it down to a total of around {$750.00}. Out of which the insurance paid 70 % and I paid 30 % to the collections agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX XXXX agreed that the debt is settled in full and they would close my account. 

Today, after 1.5 years, I get a letter from XXXX XXXX that I still owe {$9600.00}. They never closed my account even after agreeing to do so.
On  XXXX   XXXX  , 2017     XXXX   XXXX   (  phone number  XXXX   XXXX  and  XXXX  ) at  XXXX  called a family member at work regarding my student loans.
Hi, I have Never went by the name XXXX ..I would like that name removed please. Thank you, XXXX XXXX XXXX
I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by ALLY FINANCIAL on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES
I have contacted you before in reference to wrongful interest charges on my account. This has been resolved but ever since they re-opened my card account they stopped sending me statements. I had no idea when my payment was due until i received an email stating it was late and they would charge me a fee! 
now i have been charged with TWO late payment fees that i was NEVER told about. Top it off my min payment went from XXXX to XXXX to XXXX a month how does it jump like that?!!?! 

the promotion is supposed to be INTEREST FREE and i am getting billed for interest as well! 

i demand my fees returned and my min payment to be back to XXXX i can not wait to pay this ridiculous bank off and never ever deal with them again worse customer service ever
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2018 For a medical debt for XXXX XXXX XXXXXXXX for the amount of {$1000.00} XXXX XXXX XXXX XXXX XXXX makes calls to my husband several times a week with threats of jail time and harassment in general. My husband tried to make payment arrangements with this creditor but the same man who continued to call him said no we need it all now. 
We received a letter from an attorney saying we have not tried to pay or make arrangements to pay the debt and we have. We do not want R and R to contact us by phone any longer.
I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.
My escrow account has been set up incorrectly and the bank is not doing anything to solve the problem. My monthly payment is {$2200.00} and it breaks out into Principal and Interest {$1300.00}, Escrow : {$870.00}. Escrow account should include taxes, insurance premiums and PMI. Taxes : {$4000.00} annually ( Parcel - XXXX XXXX County - CA ) Insurance Premium : {$390.00} annually and Private Mortgage Ins. {$210.00} monthly. If this is what my escrow account should include, plus any sort of " cushion '' I do n't know why it has been set up to {$870.00}. It should roughly be {$590.00} My escrow balance up to date is {$3300.00} which is far more than what it should actually be. I have requested my bank in several occasions to please update my escrow account by having an escrow account analysis done and they refuse. They say it will be done until XX/XX/XXXX and recently a representative emailed me saying it would be until XX/XX/XXXX. This is a huge difference and it is been a burden on my family.
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from Bank of America. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen XXXX. Soon after trying to fight the discrepancy, I received a letter from bank of america that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Bank of America trying to get the issue resolved.
This company continues to contact my family and provides information about my personal situation with them. They called every one of my siblings and told them legal action was being pursued against me. This information should not be shared with my family. Each family member received a message on X/XX/18 with my personal information. I have previously sent a cease and desist letter.