WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged by XXXX XXXX XXXX for life Insurance that I did not authorize which was {$72.00}. I requested a dispute with my Chase Debit card. Chase stated that the company XXXX XXXX XXXX stated that they would not refund my money because I cancelled too late. I was charged on XX/XX/2018 and XX/XX/2018 in the amount of {$36.00} each for a grand total {$72.00}. I did not discover these charges on my credit card until XX/XX/2018. So, I then filed a dispute with Chase and was told that XXXX XXXX XXXX denied my refund. Then on XX/XX/2018 Chase stated that they could not dispute the charges, and that it was out of their hands. However, Chase did dispute the charges in XX/XX/2018. Then Chase denied the dispute a few weeks ago without informing me as to why. I'm not sure what is going on as to why Chase has refused to dispute my charges.
I initiated a 15 year fixed with cash out loan with Bank of America around XX/XX/XXXX ( loan/application # XXXX ) with XXXX ( MLS # XXXX ) with initial credit score of XXXX and no mortgage on personal residence. Bank of America failed to close the loan within a reasonable period and had to restart the loan process around XX/XX/XXXX ( loan/application # XXXX ) with both XXXX and XXXX ( MLS # XXXX ). I timely supplied B of A with all requested material and have an exclusive banking relationship with them for over 20 years ( they had multiple information about me at their fingertips ). After endless amounts of delays by B of A, the rate lock expired and the closing costs soared by multiples. At no time, after repeated requests, did B of A offered to absorb the fee due to their delay. By XX/XX/XXXX a third application was submitted by B of A ( # XXXX ). However by XX/XX/XXXX I received a letter with conditional approval for loan # XXXX. I 've lost track of the number of applications/loans this bank started with me for a simple cash out 15 year loan with a customer of 20 years with all my business 's with them ( now former ). Unfortunately, they came back to me and said their credit score they had on me expired and they need to make another HARD inquirey. This knocked my score from XXXX at the start of this to my last score that I recieved to close this loan at XXXX costing me an addtional {$840.00} in closing cost by my closing with XXXX on XX/XX/XXXX since my score was less than XXXX ( premium level ). There was no other credit checks while this was going on. This also created an increase in origination fees from my original loan request back in XX/XX/XXXX with B of A relative to my final closing with XXXX on XX/XX/XXXX. I ask that B of A, one of the architects of the Great Recession reimburse me for the costs associated with their negligence. I have tried to negotiate with their supervisor ( XXXX NMLS ID : XXXX ) and their regional director ( I believe his name is XXXX ) he never returned my numerous phone calls ) to no success. I would like enforcement action for violations of Dodd-Frank laws, Federal Trade Commission, Office of the Comptroller, and any other enforcement agency to correct B of A behavior. It is quiet obvious they are still not taking responsibility for their deceptive practices and the costs it has on consumers like myself. My increased closing cost was near {$4000.00}.
This is a complaint against LVNV FUNDING LLC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX  XXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX CRE XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX  XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX BANK XX/XX/XXXX {$19000.00}
I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you
I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied. 
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
1. CBNA 2. 2nd XXXX XXXX XXXX To whom it may concern I believe these inquiries are due to the XXXX breach and they we 're made without my consent. 
I would like to know what application are you talking about sir. I am unaware of any applications you 're talking about. Did n't sign up for nothing is what I 'm saying to you and you 're basically accusing me of being a part of a Costco account. No I do n't know what Costco is and I do n't appreciate you accusing me. If i 'm not aware of something you ca n't force anything to be mine. That is down right ridiculous and no I did n't sign up for any credit cards. I do n't need to do so I 'm debt free and want to remain that way. So I 'm asking you to stop accusing me. It is a fraudulent inquiry and it is to be removed immediately because it violates the law in FCRA section 609.
I have obtained a loan from Turbo Cash but they have hit my bank account at XXXX, XXXX Missouri without my permission when I instructed them that the account was compromised and closed. Now they have caused me harm and they have now turned me over to the local Prosecuting Attorney for fees that I didnt authorize. Plus they are unwilling too work with me as I did fall delinquent. This complaint will also be submitted to the FTC as well as the states Attorney General and private counsel.
My attorney and I have been working diligently with the len der ( Ocwen ) to  do a short payoff. Near the   XXXX    o f 2016, th ey agreed to $  XXXX  ... We countered at $  XXXX  because that is what our research shows as the market value for the home which is literally a knock down on the main  XXXX   lane road so on to be  XXXX . This caused them to do anothe r BPO on the property.. It has now been over 3+ months and the lender 's attorney is puzzled why his client ( Ocwen ) is now not responding at all to our negotiations. This has been the norm for this lender over the past 1+ years in tr ying to settle up with them.. Can you help me and my attorney get a response from the lender.. We have email communication from their attorney for the past agreement and we reach out weekly to their attorney with no updates.. I am trying to do the right thing and they are dragging their feet or do n't care at all. Please help.
on XX/XX/XXXX bank of america charge from my checking account {$1300.00} and {$120.00} for legal fee. {$1300.00} is taken from Assessor Board Change of XXXX XXXX County. ON XX/XX/XXXX county of XXXX XXXX refund me full amount {$1300.00} because they charge me by mistake. after I got refund from them, I called the Bank of America to get {$120.00} service charge refund because whole situation was a mistake. unfortunately, they refused to give me money back because they say they did the all the paper works for the city to let the government to take away my money even thought they know its a mistake by government. Its really unfair for me. i felt i got robbery by bank of America for no reason. I don't understand why they have the right to charge me legal fee. bank should ask city to pay {$120.00} instead charged from my account.because they do the paper for city not for me.. 
but they refuse to give me money back. they want me to ask city to pay their service fee. 
, or i have to pay. and city won't pay this fee because they already credit back full amount to me of what they charge me. and city ask me to ask bank to refund the money because they are the one took my money now. 
I want to know if there have any way i get my money back. I show bank the latter that city send to me about the error they made. bank just shows me that is not their business. they did the paper work. so they have to charge. 
its so unfair.
On XXXX/XXXX/16, there was a HARD inquiry listed on my Equifax report indicating that XXXX requested my credit report, HOWEVER, I NEVER applied, or requested any credit or any other product with XXXX. I disputed the inquiry with Equifax and received a response on XXXX/XXXX/2016 indicating the inquiry was factual. I contacted XXXX for details on who/why my credit report was run, and they indicated that they DID NOT run my credit and that they do not have any information showing that XXXX ran my credit. I sent Equifax the letter from XXXX indicating that they did not know the origin of the inquiry and Equifax refuses to remove the inquiry.
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX Not Proven Compliant Account -- > XXXX Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
This issue is regarding my car loan with Mid Atlantic Finance : XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX I'm attempting to pay off my loan balance in full, which is over {$3000.00}. 

I was instructed to either pay via debit on the loan company 's website or send them a XXXX payment. Neither one of these methods worked. 

Their website blocks payments over the minimum amount due. 
On XXXX, they don't accept payments over {$2500.00} and XXXX charges {$87.00} per transaction which would mean I'd have to pay double the fees. 

They seem to be intentionally making the payoff difficult in order to lock people into paying interest for the life of the loan.
I had attempted to submit payments to this company several times through online bill payer, totalling XXXX different instances. I 'd even called to check the amounts being requested prior to making payments. Each time I 'd asked why my payments were returned an the reps were unable to advise me of why. I 'd requested to speak with a supervisor an the supervisor began to insult me stating that I had n't infact spoken with anyone and maybe I spoke with the automated system and believed I was speaking with an actual rep. I advised him of the many times I had spoken with reps an he told me he had no record of conversations nor payments. The supervisor then stated that my final payment would of been returned as the demand had now expired. I then called back to speak with my relationship manager to try an understand wgat exactly was going on however I was only transferred to a voicemail. I left a message and still no call was returned. I then called back a few days later and was transferred directly to the account manager. The account manager was rude, over talked me an when requested his supervisor, blind transferred me over to his voicemail. I left a message for the account managers supervisor who I have yet to receive a call back from. All I 've wanted to do is pay my account and bring it current so that I may keep my families home. This company has been awful, an just down right rude. The employees ar n't very knowledgeable. Not to mention there are no notes to the many detailed conversations nor payments.
Dear Sir, I have closed my individual chase credit card on XXXX XXXX by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the XXXX  credit report since XX/XX/2018. I have communicated to XXXX  about this card, right name and address along with various details. I have also communicated to Chase Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. Chase has responded to me and CFPB that CHASE credit has been paid and closed with XXXX balance on XXXX XXXX and also Chase has communicated to all the credit bureau that my credit card is closed on XXXX XXXX but this information is missing in the XXXX   Credit Report. I have only used chase credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from chase. 
Could CFPB kindly direct XXXX/Chase to update my closed chase credit card details in my credit report, which has been missing since XXXX. My closed individual chase credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.
I received a mailing from Chase Bank to applyo for XXXX XXXX XXXX XXXX with an " Invitation-only offer : XXXX Bonus miles. Do n't miss out. Apply by XXXX XXXX, 2017. '' On XXXX XXXX, 2017 I entered the email address to apply at " XXXX '' and began entering personal information and saw that the offer, which is stated in the mailing as " Earn XXXX Bonus Miles after you spend {$3000.00} on purchases in the first three months your account is open '' was redirected to " Earn XXXX Bonus Miles after you spentd {$3000.00} on puchases in the first three months your account is open. '' I called Chase and was disconnected when I inquired. I then emailed, and Chasenever replied. I believe this is fraudulent bait and swtich.
In XXXX 2016 I was sent a letter with an attached check for {$50.00} from XXXX XXXXXXXX, Citizens Bank, with no return address so I was unable to write him a letter about my situation. The check is made out to XXXX XXXX, the name of my business, now closed because I retired. I no longer have a XXXX XXXX account at Citizens, but all my other banking accounts are still with Citizens. The letter says to stop by my local branch " where XXXX of our bankers will be happy to assist you. '' I did just that, and I was told by a teller to call the XXXX phone number mentioned in the letter. She was not " happy to assist '' me. But I did as she said, and I got a recording that was no help at all. I also went to various web sites, all to no avail. I think this is actually a ruse that allows Citizens to say they tried to refund money owed to a customer, but the process is so convoluted this customer is ready to give up. It 's hardly worth the time, effort and aggravation. Just thought you should know about this.
MY LOAN WAS ORIGINALLY WITH XXXX. THEN XXXX XXXX XXXX. THEN DURING A LAWSUIT AND FORECLOSURE, XXXX XXXX XXXX TRANSFERRED OUR LOAN TO BAYVIEW LOAN SERVICING. WE SETTLED WITH THEM AND THEY FINALLY MODIFIED THE LOAN. BAYVIEW HAD THE LOAN UP UNTIL XX/XX/XXXX AND IT WAS AGAIN TRANSFERRED BACK TO XXXX   XXXX XXXX. NEITHER BANK WILL RESPOND TO MY REQUESTS. 

On XX/XX/XXXX Bayview Loan Servicing cashed a refund check # XXXX in the amount of {$1000.00} from the XXXX County, CA tax assessor, for a property tax appeal that I initiated and won. These funds were due ME and/or were to be put into my ESCROW account for property taxes. Bayview did not allocate these funds to my account and there is no record on my escrow statement where the funds went. 

There is a second check for the second half of the tax installment of {$1000.00} that has gone " missing '' and has not been cashed. I have requested five times to have Bayview request a STOP payment on check # XXXX in the amount of {$1000.00} and have it re-issued to either me, or now that XXXX XXXX XXXX owns the loan again, to them. I have sent a letter that instructs them to contact XXXX, at the XXXX County Assessors office XXXX. Her # is XXXX. Also to be put in the letter that any future refunds and or correspondence from the XXXX County CA, Assessors office - be transferred to XXXX   XXXX XXXX, as if the next property tax appeal results are the same, they will be refunded to Bayview unless this is done in ADVANCE. I have another property tax appeal coming up and any future refunds need to be sent to XXXX  XXXX XXXX, not Bayview Loan Servicing. 

The Mortgage interest statement from Bayview Loan Servicing and XXXX XXXX XXXX statements DO NOT MATCH and have conflicting figures. Both show different deferred interest amounts and loan balances. 

This needs to be corrected immediately as XXXX XXXX XXXX is requesting a $ 4800+ cushion in my account when I should already have {$2100.00} cushion in the account. This puts our payment in an uncomfortable amount financially and I do not want to default. 

Both banks will NOT RESPOND TO MY REQUESTS.
XXXX, FL 32907 XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX, FL XXXX
Was made aware on XXXX XXXX 2017 that over 140 million SSN, DOB, address and DL profiles were stolen from Equifax. I am one of those millions. This puts me and my financial health in tremendous risk. This is unacceptable, it 's not like we have a choice not to use Equifax. Also, it was made apparent that insider trading occurred, as executives at Equifax sold shares of their company after they were hacked, but before this was made public, and this is against the law.
The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.
This is to report and make a complaint about the Collection Office of XXXX XXXX, debt collector. I am being sue by this office from 2008, I never received a validation or notification regarding a garnishment of my wages. I do not owe this debt and I am being sued for over {$12000.00} or more in interest and fees. They are fraud debt collection agency and are collecting monies they should be not collecting. From what I have been told from the original company the apartment have been sold to the City of XXXX, AL. and there is no debt that is owed. It's been ten year and they are an abusive collection agency that prey on poor people. I'm asking for an investigation and a violation into their abusive collection practices. 

Re : Apartments I am being forced to pay money I don't have as a single mother and head of my household. Money I do not owe this collection agency, They are ripping consumers off. 

Asking for you help.