WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to CASE # XXXX which was closed by CHASE without any resolution to clear my credit ratings with four major companies. 

My goal for case # XXXX was to make a negotiated payment amount, given the one and a half years invested to find the " loan '' account. I wanted to know how to negotiate to pay off the amount, as well as, an explanation as to why my checking overdraft was listed as a mortgage loan. I do not own property. No resolution and my case was closed. 

What transpired : I was resent a letter from XX/XX/2017. The reissue and XXXX of letter was not necessary, given I had already invested 6 hours in calling the CHASE phone numbers listed on the letter in XX/XX/2017 at which time the contacts ( again ) could not find my account so that I could begin to pay. My financial counselor recommended I file complaint after she, her supervisor and myself spent over a year connecting with a CHASE representatives. 

The last few months have been spent leaving phone messages at XXXX XXXX for : ext XXXX & ext XXXX. I have repeatedly asked for a time I could call them. 

The amount owed is {$1600.00} less fees. 

Chase has not helped me find the " mortgage account '' to pay off or negotiate the amount to clear my credit score. 

Rough itemization of my time invested to make good on my misfiled, lost debt is approximately 50 -  60 hours at $ XXXX/hr {$3700.00} - {$4500.00}. I have a log of my time invested. I would like my {$1600.00} debt cleared off all four of the credit bureaus. I have tried to do the right thing and pay my {$1600.00} debt, however none of the employees I have spoken with can find the account or let me know with whom I can negotiate a revised amount or resolve in another way. 

I am most disappointed by the ineptitude of SALARIED employees, their inability to help me finalize my debt and clear my credit for a new future. My initial debt came from numerous stressful situations surrounding my own health, caring for my mentally ill mother and her untimely death. ( see first complaint letter case # XXXX ). 

My only recourse is to photocopy a year and a half worth of Chase form letters, " documentation '' received and my journal of phone logs to XXXX a package to XXXX XXXX, CEO of JP Morgan Chase for his the executive assistant to " escalate ''. My experience with CHASE will make an excellent case study of the aftermath of mortgage crises, an individual consumer experience. 

Thank you for your consideration. 
XXXX XXXX
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
CHASE BANK has a misleading promotion, claiming new holders of the Chase Sapphire Reserve will be given XXXX bonus points if they spent {$4000.00} or more in the first three months. I have never owned a Sapphire Reserve card before. When I called to apply for the Chase Sapphire Reserve card, they did not tell me I was not be eligible for this benefit, but they gladly allowed me to agree to pay a {$450.00} annual fee. Chase claims the Sapphire Preferred card I had was the same account - and the reserve is just an upgrade - and therefore I am ineligible for the bonus points.
No where in the promotion details does it say Sapphire Preferred card owners are ineligible for the bonus. When I spoke with a represen tative inquiring about the Reserve ca
rd, no one told me I would not be eligible for the promotion. My Sapphire Reserve is a new credit card to me. Which is what the language below says. They did not tell me it was going to the same account. I had no expectation that it would be. " XXXX Bonus Points This product is not available to either * ( i ) current cardmembers of this credit card, * or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$4000.00} or more during the first 3 months from account opening. '' I changed my behavior, chose to use their card over other benefit cards with the expectation that I was going to earn this reward. They got my annual fee, I have spent well over the minimum in the first three months. Now Chase has informed me I will not be given the XXXX bonus points. I have escalated this with Chase as far as I can, but they will not give me what I 've paid for and earned.
SinceXX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them onXX/XX/XXXXand they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.
In XX/XX/2018 I used points to redeem a credit on my Capital One credit card to get ahead of my balance. Once I did this Capital One took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but Capital One refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with Capital One, XXXX, XXXX and a complaint to the XXXX. Capital One has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. Capital One needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.
This will be my last complaint with Experian. Its clear they have forgotten the FCRA laws. I have looked over my credit report asking for a investigation concerning accounts on my credit report and deleting the errors and Experian failed to do so. I will be forced to start legal actions if no resolution and I will be contacting Experian CEO XXXX XXXX. Experian does not learn there lesson. Experian has been sued numerous times for failing to investigate. I did not ask for verification, I asked them to investigate and upon there investigation I asked Experian to provide me with this information : " I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. '' All I received is a bogus pre-made letter stating information " The dispute is complete and it meets FCRA requirement ''. I did not get the information I requested. There is comments from the creditor in the comment section of mostly all the accounts that need to be removed for the comment section is for the consumer and I did not authorize Experian to put any comments in the comment section. You also still have XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all that are in bankruptcy due to Identity theft showing a balance and showing " charge off '' instead of chapter XXXX, XXXX '' balance with no other comments. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation. 
I have already won a similar lawsuit against XXXX.
I was contacted by Linebarger Goggan Blair & Sampson , LLP numerous times to collect debt for an XXXX violation. This violation was paid on XXXX XXXX, 2016 through the NY XXXX website. The last notice to collect this debt was sent to me on XXXX XXXX, 2016. I tried to contact them by e-mail and phone to resolve this issue and got no response. 

I would appreciate if you could please investigate this further. 

Thank you.
Wells Fargo  closed my card down for some bogus reason that it was n't me that applied for the card. Though I went into the branch when I signed up and they made me go into the branch and give my ID  three times .   I have    XXXX   XXXX   cre dit from a payment to my card that wells fargo refuses to send me a check for.   I 've called  100 's of tim es to get my money back and  no one will   help. This is going on for 4 months. I am late on my bills because of it.   I have no other choice WILL have FILE A LAWSUIT AND MAKE COMPLAINT WITH THE attorney general for  wells fargo  illegially holding my funds
In XXXX of XXXX we had a water leak at our home. Upon investigation it was found to be water from a broken pipe in the wall and water overflowed the dishwasher. We hired a public adjustor. He settled both claims with our insurer. One claim was {$8300.00} and the second was XXXX. We had the public adjustor sign the checks as well as XXXX bank our second mortgage holder. We sent the two checks to Seterus, Inc our principle mortgage holder. Seterus had a series of steps they wanted us to do. We complied with all by XXXX of XXXX. They released the check for {$8300.00} but have been holding the second check for {$11000.00} for two years now. We complied with all paperwork needed and sent in notarized documents on several occasions. Each time we ask for the money they add another demand for more or different paperwork never before mentioned. They are nearly impossible to speak to on the phone. But we have been told several times the money would be released ( on calls they record ), only to find the money is still being held. We have the initial document they sent us with all of their requests. We have our paperwork showing compliance with all of those requests. We want the money released for repairs. We have already sent a notarized document to them approving them inspecting the work when finished to safeguard their interest. We would appreciate any help in getting this money.
Transunion removed all my inquiries and then added them right back without 5 days notice which is the law on putting items removed back on the report. Also removed my negative accounts and collections then added them back also without the 5 days prior notice. With this being done it dropped my score significantly. I 'm not the only one this has happen to.
I have a Capital One : Credit card Savings account Checking account Yesterday, Friday, I withdrew funds from the savings account and the checking account and made payments on the credit card before XXXX ET. I am attaching one of the confirmations. 
Capital One posted my payments, but will not make the funds available for me to use until XXXX XXXX, at least 12 hours after the transactions posted to my account. It is now XXXX XXXX. 

I do n't know what is happening with my money, at this moment. The bank has it, and is not making it available to me. I asked the bank what is happening with my money, and the bank was not very detailed in their response. See the attached chat transcript. 

Absent more information from the bank, I can only assume that they have taken my money and are lending it to someone overnight, getting interest on it, and not sharing that income with me. In other words, it appears to me that the bank has converted my money to their own use, without my consent, and is profiting from it without paying me for the use of my money. 

This is analogous to a homeowner with solar panels. Sometimes the homeowner uses the energy and sometimes it goes to the power company - the power company uses it and pays the homeowner. In this situation with Capital One, sometimes I get to use my money by using the credit card and sometime Capital One gets to use my money. Like the power company pays the homeowner, Capital One should pay me. 

I would like to get paid for the bank 's use of my money. 

When I was filing this complaint, I was asked to identify the bank. I noticed there are many Capital One entities. I do not know one from the other. So, I am attaching the " Contact Us '' information from the website and a screenshot that shows the URL and the bank 's chat welcoming screen.
I have appreciably {$95000.00} in student loan debt. I have been on an income based repayment plan for many years, and renew it each year by providing my tax returns and/or pay stubs. 

My income increased last year. I filed the paperwork to renew the income based repayment plan, aware that my monthly payment amount would increase. I was surprised to find howeveer that my payment had increased to 400 % of the prior year 's amount. Because I can not afford the newly recalculated payment, and because Navient 's website states that it will work with borrowers who are having trouble paying, I reached out to see what could be done. 

I informed the company that I was willing to extend the term of my loan or look at any other options that would prevent me from defaulting. I was told that my income based repayment could not be adjusted. In an online chat with Navient. was told that I could call the company, make a payment of whatever I could afford in order to exit the income based program, and then the company would help me enter into another payment plan ( such as an extended repayment period ) that would help me afford my payments. I called the company to do so ; and was told that I would need to make an immediate payment of $ XXXX in order to exit the income based plan and to even see what my options would be under another plan. Shocked, I said that I could not afford $ XXXX immediately. The representative suggested I enter forbearance on my loan. Because I could not see another way to avoid default, I agreed to enter forbearance. 

Because I had received conflicting information from two different Navient representatives, I called the company again. I explained that I wanted to make the payments that I could, that I did not want to be in forbearance, and asked that they please help me enter another plan. Again I was told that I would have to pay $ XXXX in order to even see my other options. 

At this point I am still in forbearance although I am paying what I can on a monthly basis so interest does not continue to accrue, but this is not a long term solution as forbearance is limited.
There was to be a foreclosure auction of my house by US Bank on XXXX XXXX 2016 @ XXXX at the Court House. No one showed up from US bank, the court clerk called the Atty of record for the bank at XXXX and was told that the auctioneer had just left and would be there in a hour, that there was going to be a auction. The XXXX clerk came out at XXXX to inform the bidders that the auction had been closed with no explanation. 
I have never been to a public auction that was closed and especially 11/2 hours after the advertised sale time. As the pborrower I tried to call the US Bank to find out more about the closure and got nothing.
Made a partial deposit payment with my XXXX XXXX XXXX XXXX Credit Card for kitchen and bathrooms cabinets to XXXX XXXX in XXXX XXXX, California, a company who after months of false promises didnt deliver the cabinets, later closed for business and currently being investigated by the Attorney General for 17 counts of Grand Theft of Personal Property and one count of enhancement of Aggravated White Collar Crime. After notifying the credit card company about the issue, they refuse to give me a refund of the XXXX XXXX dollars I had paid them. Heres a summary of the issue : I ordered kitchen and bathroom cabinets from the above mentioned company on XX/XX/XXXX, to be delivered within 8-10 weeks, paid their required 70 % deposit with the balance to be paid when the cabinets were made and ready for delivery. On XX/XX/XXXX I received an email from the salesperson confirming delivery for XX/XX/XXXX. 

After the delivery date came and went and many unanswered calls from the store requesting status of my order, on XX/XX/XXXX I called again, this time my message was to cancel the order that was approx. 45 days passed the scheduled delivery date. Finally for the first time the owner returns my call saying I couldnt cancel and refused to return my money. The deposit was paid with four different credit cards so I disputed the charges. After reviewing the facts, three of the four credit card companies credited the amounts paid except for the {$7000.00} paid by using XXXX XXXX XXXX XXXX credit card. 

I have been disputing this charge with XXXX XXXX credit card for over a year sending them all the information and documentation they requested, giving them a chance to revisit the case on three separate occasions and they still refuse to credit the funds into my account saying the charge is valid. I understand the charge was valid when processed but after many false promises XXXX XXXX did not upheld their end of the contract intentionally committing fraud by stalling and not delivering any product, closing for business and not honoring the contract and the credit card company still declined my request. 

Ive always known that one of the benefits of using credit cards is for consumer protection but this clearly has not been the case with XXXX XXXX XXXX XXXX Credit Card issued by Chase.
XX/XX/XXXX Chase Bank has closed all my Chase credit cards : Chase Freedom # XXXX XXXX XXXX XXXX ( opened since XX/XX/XXXX ) and newly opened Slate Card # XXXX XXXX XXXX XXXX because during periodic account review they have identified that I am a " high-risk '' customer I have never being late once on my Chase credit card. I have been their customer for over 7 years ( had checking accounts, financed my vehicle which I paid offed earlier ). 

My income is stable and my credit score FICO 8 was XXXX at the time of the closure. 

It is still over 700 at this time.
When I graduated from law school, I struggled to find a job. When I sought help choosing a repayment plan, I was steered into forbearance / deferment by instead of an income-based repayment plan such as REPAYE. As a result of this, I 've accumulated in excess of {$50000.00} in accrued interest. While I now have a stable job and I 'm making monthly payments, the accumulated interest has now made my ability to decrease the loan 's principal nearly impossible, keeping me in perpetual debt.
File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.