WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Cr edit Card is posting a total statement balance to include charges that are not yet posted to my statement. Exampl e : Let 's say last month I had a balance of {$95.00}. I paid the credit card company {$50.00}. The next month I have a balance of {$3700.00}. I know that I bought one plane ticket, but the charge for this is not shown on my statement. I just have the {$3700.00} total. Nothing is displayed for the charges. Certainly anything that is posted does not sum to equal {$3700.00} ( obviously, in one month I do n't have enough interest to have such a balance ) You can see how this type of billing  could cause confusion for a customer. How can I keep up with if my bill is correct without seeing which charges have posted?
Calls originate from the Revenue Group, calling number is XXXX XXXX XXXX. Calls received XXXX/XXXX/2015, XXXX ; XXXX/XXXX/2015, XXXX. Both times the caller indicated an unspecified debt is owed and was told we do not discuss financial matters on the phone. Caller was further informed to submit the nature and specifics of the alleged debt in writing to us. To date, no such correspondence has been received. Numerous other calls have been received from this group as shown on our phone 's caller id, but went unanswered.
XX/XX/XXXX I invested {$200.00} into Bitcoin on Coinbase after I verified my Bank Account and Identity. Was advertised as 2-3 days before I would receive my Bitcoin, ended up being transferred into my Coinbase account on XX/XX/XXXX

During that time before the Bitcoin was credited to my account, I also added a debit/credit card to the account that required additional verification ( Address, SSN, etc. ) After I input that information, Coinbase locked me out of me account. The reason they gave is that I was under-age, except it was a false accusation because I have been of-age since XX/XX/XXXX. 

I tried to contact them multiple times a day, emailing regarding a single support ticket as well as XXXX  to them multiple times a day ( because XXXX is one of the only platforms they seem to semi-respond in ). I ended up stopping my XXXX, noticing that I was getting nowhere, and I just waited. 

My account was locked for almost 3 months, and within the first 2 weeks of the account being locked I had to stressfully watch my bitcoin turn into almost {$400.00}, which I would have turned into a different currency and gotten a few thousand for a car down payment. I took a lot of emotional damage from not having access to that money especially because they wrongfully accused me of being underage and I had to watch the money I invested lose value. 

When my account was finally unlocked, my bitcoin was worth less than the initial {$200.00} I invested, which is basically Coinbase stealing my money. Coinbase has still not responded to my emails, and only unlocked my account. It's been almost 2 weeks since my account was unlocked. I trusted the company to respond to me and to fix the issue, but they never did.

All I want is the {$400.00} worth of Bitcoin that I had. I lost thousands in profit from my account being locked when all of crypto went crazy. All I'm asking for is the {$400.00} worth of Bitcoin I once had. Currently the bitcoin in my account is worth {$190.00} which is STILL below my initial investment of {$200.00}.
I have had MULTIPLE issues since last year with consistently monitoring my utility bill statements from seemlngly multiple payments on the same accounts, receiving bills that were inconsistent with the last amount, making payments that I know I have already made, someone changing my security code on a billing statement & making unauthorized changes to my account resulting in higher bills or possibly even opening multiple accounts that I knew nothing about. I have been blocked from receiving phone service because someone else was using my identity to enjoy the phone service that I did not authorize in addition to loosing my phone # that I had for years to this situation after they disconnected my phone & told me their was a conflict of interest in the address being used. I have just confirmed on yesterday after months & months of trying to track proof down while visiting the bank almost bi-wkly ( causing me to loose work time & very inconveniencing ) trying to figure out what's happening to my money that I KNOW I BUDGET WELL HOWEVER, someone knows how to cover their tracks really well, with making transfers & using my card # to consistently making purchases. I have made multiple attempts to do lost/transfers to my accounts to try & stop the inconsistencies but before I know it, the same thing happens again on the new account. It has cost me to feel like I am about to go crazy as I constantly feel violated & have pushed close people away from me as it's hard trusting anyone now because I felt like someone close to me had my information using it when turns out equifax has breached contracts & allowed public information to be exposed so now I don't know who's robbing me & violating me. I've had to pay for a XXXX XXXX for my mail as I feel unsafe getting it comfortably at my home address thinking someone was getting my mail out & getting my information. In addition, my emails had been violated as well so I'm afraid to send personal information ( as I feel they are being either rerouted or viewed ), make payments online or even use my personal telephone to handle bills or personal issues as I feel like my phone, email accounts are being monitored & violated which is also VERY INCONVENIENCING to have to take additional time to go to a library, or use a neighbors phone to do things I can do in the comfort of my own home or with services that I pay for. I am a business person so I can't change certain things like email, business phone number, etc as I have things established long term. This is really unhealthy for anyone 's state of mind as you are trying to live a day to day life & also make time to play detective to figure out what the XXXX is going on with your money that you KNOW you didn't spend & trying to prove to a bill collector that you didn't authorize a change, or that it is YOU, when someone has the same information you have to put up the same argument as if they are you! I am attaching a police report of proof of someone else using my info to get a phone account that is currently still open since XX/XX/2017 in  my name.
I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.
Written Dispute was sent certified mail and receipt with the Transworld and XXXX XXXX XXXX on XX/XX/XXXX. Dispute was filed with XXXX, XXXX and XXXX. A direct dispute with the Credit Agency was filed on XX/XX/XXXX as a follow-up when no validation of the amount owed was provided. 

Verified that the dispute is still open with the Credit Bureaus. Called Transworld ( XXXX ) on XX/XX/XXXX and verified that they indeed received the disputed on XX/XX/XXXX and was awaiting XXXX XXXX to give them more information to validate the account, however continued to report the debt as derogatory against FCRA regulations on XX/XX/XXXX and XX/XX/XXXX and then again on XX/XX/XXXX and XX/XX/XXXX. 

Demanded that they remove the debt from my credit report immediately and the response that was given was they are trying to validate the account even past the 30-day timeframe from the initial dispute received on XX/XX/XXXX
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' XXXX   XXXX REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company XXXX XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was XXXX years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a XXXX year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
i am receiving threating calls from a company called XXXX the person contacting me name is ( XXXX ) he is stating that XXXX is trying to press criminal charges on me if i dont pay back this payday loan and they are coming to my job and house to summit paper for me to go to court and go to jail. there phone number they keep calling from ( XXXX )
I received notification from citi bank regarding my best buy mastercard being past due. Upon receiving this notice I checked my credit report which now shows a derogatory mark due to this account being 90+ days past due. I called the number provided on the letter & explained that I had not received any type of statements or notifications prior to this delinquent notice. My email was confirmed as I am setup on e-bill, however I have not received any type of statements regarding my account via email. I was being pushed to pay the balance of over {$150.00} due to late charges accrued on my account. I requested to know why I did not receive a notice when my loan become 30 days delinquent, to which I had no response. I was transferred to another department for 'resolution ' in which I was disconnected when the agent answered. I was advised by the prior agent that I could not make a payment online since I did not have my XXXX. He advised there was no way to reset my password without having my credit card. My credit card was discarded of to prevent use of this account. I am aware that an annual fee is charged and as a consumer I am responsible to pay, however it is the responsibility of the creditor to also notify the consumer of amounts due or actions that will be taken.
I am receiving letters and phone calls from collection company over a debt that is not mine. When first received letter I called the company to obtain information on the debt. I told them I was not the person they were trying to collect from. I had never lived at that address and have never had XXXX insurance. The person taking the call said she would remove my name, address, and phone number from the collection. She stated that had sent several letters of collection to everyone in state with the same name. I have since received 4 more calls and have called them twice more each time they have stated that my information will be removed and letters and calls will cease. Again today I have received a call from the collection agency. At this point I am considering it harassment for the continued calls on a debt not incurred by myself. I have received or returned 5 calls to them since collection letter and each time they tell me they are removing my information.
I purchased a home in XXXX 2014. The seller had an outstanding loan to Ocwen Loan Servicing which the Seller paid off and Ocwen sent him a notice of payoff stating the debt had been paid in full. However, Ocwen has still not released a lien on my property even though the previous mortgage was paid in full. Having an outstanding lien on a property in which the mortgage has already been paid in full is in direct violation of Ohio XXXX XXXX XXXX Entry of Satisfaction. Ocwen needs to release the lien in accordance with the law.
I have a federal student loan serviced by Nelnet. Every month I pay more than the minimum amount due. I discovered that the extra money is not getting applied to the balance. Instead they are allocating it towards the following month 's payment.     I contacted Nelnet about this in  XXXX   of 2017, sayin g that I wanted my extra money to be applied to my balance, not to advance the due date of future payments. When I went to make a payment today (  XX/XX/17    ), I noticed it had n't changed. I contacted them again and was told that my request to not advance the due date was denied on  XX/XX/17   . I was told the due date was going to continue to advance and that it should n't matter. I was told I could apply again, but it would probably be denied a second time.     So borrowers have to make a special application to request that their extra payments be allocated properly, and that the servicer can deny them and basically say " tough luck. ''
. ) The reason for this complaint is that McCarthy Holthus & XXXX, P.C., all XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX claim to have legal title of the loan, but can not /will not provide documents to support this position. It is unfair and deceptive for these entities to refuse to provide this basic documentation. Without it, my client is unable to make informed decisions about his debt and negotiate with the true owner of it. 

As part of my process, I review the chain of title for the loan documents. During this time I reviewed the Note and Deed of Trust dated XX/XX/XXXX and the Notice of Trustee 's Sale dated XXXX, the assignment dated XX/XX/XXXX and the request for restraining order from XX/XX/XXXX, ( attached as Exhibit XXXX ) and noticed something strange. The assignment was from XXXX as Attorney-in-Fact for XXXX XXXX XXXX XXXX to XXXX, with POA signing for XXXX XXXX XXXX XXXX as its attorney in fact. However, XXXX XXXX XXXX XXXX was shut down by the FDIC in XXXX, FOUR years prior to XX/XX/XXXX, the date of the assignment. See the documents attached as exhibit XXXX. 

Since a person can not act as an attorney in fact for a company that no longer exists, I was surprised to see someone signing as an agent for XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX XXXX had been shut down for so long. I called on McCarthy Holthus and asked for an explanation, but McCarthy Holthus reps failed to give me any sort of reasonable explanation. 

McCarthy Holthus also represents that although a Foreclosure date was set in XXXX, the Note was NEVER accelerated. I do n't understand that either. 

I also would like to point out that I went directly to XXXX and they responded with the fact that they are NOT the holders of the Note or the " owners '' of this loan and have nothing to do with the foreclosure attempts and they DID NOT hire McCarthy Holthus to represent them. 

McCarthy Holthus ' response is unfair because it significantly harms my client 's ability to refinance or renegotiate his debt in the form of a modification if he can not even identify which entity he should be speaking with. McCarthy Holthus ' has or should have this information, but simply will not provide it. Further, it is against public policy and common sense that McCarthy Holthus ' should try to act as a legally entitled holder of the loan after written communications with XXXX claiming to NOT be the holder, but McCarthy Holthus ' refusal to provide even basic, simple documentation to prove their position is terribly frustrating. 

McCarthy Holthus ' actions are deceptive because it appears that XXXX received a valid assignment from a company that no longer existed at the time of the assignment. Without special knowledge about the mortgage and banking industry, the average reasonable consumer would easily be misled to assume that the assignment was valid and XXXX was the true owner of the debt. This is a material deception because it is misleads the consumer into negotiating and paying the wrong party for the debt.
In XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XXXX and XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX datedXX/XX/XXXXthat says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XXXX, how could I have late payments in XXXX and XXXX of that same year? 

Thank you for your help in this matter.
this is for XX/XX/2018 car payment for XXXX XXXX. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment
BBY/CBNA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BBY/CBNA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BBY/CBNA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Someone on  XXXX  purchased my   XXXX   XXXX   XXXX   for {$1000.00} they sent me the payment on my PayPal prepaid card, I immediately emailed them the  XXXX  to Indonesia, it appears someone hacked into another persons paypal account to purchase my phone, since someone hacked into their system they do n't want to take the responsibility, so they are making me pay the {$1000.00} because I do n't have the tracking receipt, they are looking for an excuse, they also will not allow me to disconnect the link they have to my savings account and every couple days they try to take money out of my account for a refund to   XXXX   XXXX   for {$50.00} that they refuse to allow me to cancel transfer, they have caused me $   XXXX   days in overdraft fees to my savings account
XXXX XXXX XXXX XXXX PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY TRANSUNION DATED XX/XX/2016
On or about XXXX XXXX, XXXX I contacted Capital One and informed them of a suspected fraudulent charge. The credit card was closed and another issued. On XXXX XXXX, XXXX the fraudulent charge was corrected by company that took money. As of this date I have been attempting to have Capital One correct, adjust the reimburse and credit my card account the amount returned by company and they will not. They say they are investigating, there is nothing to investigate since the money was returned close to two weeks ago. I am unable to use the card or obtain any form of my money. Also, they keep requiring that I provide my social security number and too many entities have the SSN 's of Americans. The SSN was supposed to be a unique identifier, with few privy to that knowledge however, with every body and their brother from XXXX XXXX to the Ice Cream man on the truck with access to this number, how can it be a secret and kept secure?
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
Simply, I am trying to locate and ascertain the whereabouts of CDs from XXXX, Issued for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX AND XXXX XXXX is common knowledge that XXXX was acquired by WASHINGTON MUTUAL IN XX/XX/XXXX WHICH SUBSEQUENTLY FAILED IN XX/XX/XXXX and was sold to JP MORGAN CHASE by the FDIC after WAMU was seized and placed in receivershipCHASES RESEARCH DEPT CAME UP WITH NOTHING AND CAN NOT LOCATE THESE FUNDS, THE ACCOUNT NUMBERS, OR MY FATHER 'S NAME. MY dad, XXXX XXXX, passed away on XXXX XXXX, XXXX. I have contacted the New York Stae Controllers Office and they claim they never received these funds and is not being held there. My Complaint is that these Funds just do n't vanish into thin air and I need to settle my fathers estate and, as the Executor, need to distribute assets accordingly. I need an accounting and paper trail as to where these assets were sent.
Please see related complaint # XXXX. While I appreciate that XXXX responded to that complaint in a timely fashion they did not address my main complaint, why is any " unpaid interest '' occurring in my account if I pay the payment in full every month as I have through the history of the loan? I would like an explanation of why this continues to occur, as you can see from the attachment, as of today I have {$75.00} of unpaid interest despite paying my payment of {$530.00} in full as billed to me.