WillisBack/dataset-financial-user-claim huggingface dataset:
I notified Chase on XX/XX/XXXX that I wanted to block all charges from XXXX XXXX and I disputed a charge for {$490.00} due to false advertising, failure to deliver according to the terms of an agreement, misrepresentation of services. 

Chase initiated the dispute and blocked XXXX from charging my account. On XX/XX/XXXX, XXXX charged my account {$500.00} and I disputed it with Chase. Chase informed me the credit card company would not intervene with any disputes with XXXX and validated all charges on my account including the {$500.00} charge. 

I notified the credit card company that I no longer agree to pay any charges to XXXX on XX/XX/XXXX and Chase still authorized and validated charges. The dispute customer service agent said that I should've changed my account number when I called in for the initial dispute because XXXX could change its address or name and rebill because the company has my card number. This was never advised during my initial call to dispute the {$490.00} charge. Chase sent me a copy of the XXXX agreement and stated it would not intervene with a service agreement which contradicts Chase 's financial services agreement with me. XXXX misrepresented itself and lied to me. I disputed the {$500.00} Further, Chase has communicated in an aggressive and unprofessional manner as if I am not its financial customer. It has stopped sending me statements, altered my online statements and email addresses ; has refused to send statements to me ( I was assessed a late fee but Chase never mailed me a statement ) because my attorney sent a demand letter. I paid everything but the XXXX charges which left a {$990.00} balance on my card. I do not use the card for anything but a monthly membership of {$24.00} and no my balance is over {$1500.00}. My online statements do not go beyond XX/XX/XXXX. I have paper statements in a file box which I will retrieve soon. 

Chase needs to handle the dispute fairly. I have proof that XXXX lied and misrepresented the terms of our agreement. I have emails and screenshots that Chase refuses to acknowledge. I feel like Chase is representing XXXX or they have a crony relationship that is being protected and served.
I had a mortgage with Ditech and refinanced with another lender in XXXX. I am due a refund from Ditech for my escrow account and have yet to receive my refund. Ditech said they issued a check on XXXX and when I called at the end of XXXX I was told they could not report it lost until 30 days. I called on XXXX and they supposedly reported it lost and were issuing me a new check. I called on XXXX and they said they would transfer the money directly to my checking account with in XXXX business days. It is now XXXX and I still do not have my refund.
I took out a student loan primarily using my relatives credit for the amount of XXXX dollars for the XXXX acedemic year. The issue is that I accidentally selected the option that does not defer the payments for the loan and now I have a XXXX bill every month which I can not afford so a few times I had to pay late. I have called them many times, but their general response is ask your brother for money. This is an issue however because first of all its my loan which is meant to be paid by me, there is only so many times I can ask for money, and second of all he has his own bills and expenses. I need a solution to this because right now I am scraping every cent I have to pay for that, and am left with nothing.
Tradeline on my report from XXXX XXXX has been closed since XX/XX/2015. However a recent late payment is being reported.
I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.
AFTER ACKNOWLEDGING FRAUDULENT ACCOUNT RBFCU WAS ON MY REPORT THEY REINSERTED THE ACCOUNT WITHOUT INFORMING ME OF WHY AND MOST DISGUSTINGLY AND IN VIOLATION OF THE LAW HAVE BLOCKED MY ACCESS TO MY REPORT. I HAVE SENT CMRR 3 TIMES NOW MY SSN ID AND EVEN POLICE REPORT TO ABSOLUTELY NO AVAIL. THE BANK EVEN FOUND THAT THE ACCOUNT WAS FRAUDULENTLY OPENED AS WELL AS THE XXXX OTHER MAJOR CRAS. TRANSUNION CONTEMPT FOR THE RULE OF LAW IS TROUBLESOME AND EACH DAY IT REPORTS I SUFFER IRREPARABLE HARM
When making payments to Wells Fargo the contracts are unclear, the payments are assessed a late fee XXXX date after the due date and wells fargo continues to assess fees when payments are in route to them
On XX/XX/2018, at around XXXX XXXX while watching TV I received an email from a seller from XXXX called XXXX saying " Thank you for your Order ''. This was shocking to me since I did not order anything from them. I looked at the email and the order was for a chainsaw totaling {$570.00} placed on my Chase Debit Card. I  immediately called Chase with whom I bank and advised them of the fraudulent activity and asked them to cancel my debit card. I also contacted XXXX and told them that I did not place the order and ask that they cancel the order. About 3 days later I received another email from the seller telling me that the chainsaw is being shipped. I responded to them telling them that I did not order the chainsaw and not to ship it to me ( see attached documents ). In the meantime, Chase credited my account temporarily. Again I got another email from the seller that the item was shipped ; I again responded asking them not to send to me since I did not order and neither do I need it. They responded that XXXX is investigating my claim. On XX/XX/2018, I received a letter from XXXX telling me that they finished their investigation and based on their investigation the credit will be reversed. I have been calling them and offered to sign a sworn affidavit that I did not order but they have refused
Some body run my credit with out my knowledge here is the date and company XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Unfavorable response from my Mortgage Lender ; reported late payments on my credit report while on a temporary mortgage plan for three months due to layoff from a job. I was reported late five ( 5 ) times XXXX90 days late, XXXX60 days late and XXXX30 days late. 
Wells Fargo indicated that their assistance mainly was for me to avoid foreclosure on my house. But for me was seeking temporary assistance while I was on a job search.
Synchrony Financial locked me out of my account and due to this I could not make payments and after trying to contact them numerous times, and not receiving a single answer, they moved my account into delinquency. 

I have now tried to contact them on multiple occasions and they seem to always be closed or unavailable to answer when I 'm being transferred.
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info?

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
I have mailed certified le tters to Swiss Colony, a nd   XXXX   regarding this account.     XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to Swiss Colony   XXXX   XXXX   to  XXXX  They claim I owe {$240.00} to an account that is not mine, or related to me.     I have asked numerous times for documents/contracts bearing my signature and they refuse to provide.      Swiss Colony sen t a letter to me  X/XX/2017    asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and  XXXX  is not deleting and claiming they verified account with  Swiss Colony with no signature.
Last fall I began working with CitiMortgage to modify my existing mortgage so that I could re-occupy my home. I surrendered the property to them XX/XX/XXXX when I moved to Arizona and knew I could not afford to keep the home at its current monthly payment of $ XXXX/mth. I had tried to sell the home before moving but did not have an offer. When I moved back to Massachusetts XX/XX/XXXX I rented an apartment that I could afford at $ XXXX/mth, and began trying to work with CitiMortgage again, since the home remained vacant. I sent a letter of hardship explaining that a divorce, my job as a XXXX, being a single mother, and an eventual bankruptcy caused financial hardship but that I wanted to keep the home if possible. After many months of providing paperwork, CitiMortgage offered me a modification that was higher than I had previously been paying, at $ XXXX/mth. They said the amount was more due to a lack of escrow, interest and owed payments. I told them I could n't accept the offer, since it was actually more than I had been paying before and this did not help my financial hardship in any way. I am still interested in keeping this home and it remains unoccupied.
Well Fargo is our mortgage company and despite our mortgage paymentpaying escrow dollars from our mortgage for insurance, {$710.00} of our escrow dollars where not used for our insurance and in fact the amount was dispersed according to Wells Fargo to taxes and that proved wrong. The Tax Office does not have any payments of {$680.00} and {$27.00} accredited anywhere. Our insurance info was phoned in by our insurance company and ignored, declaration pages for insurance were returned to our insurance agency because the documents went to the wrong XXXX and instead of forwarding to the correct XXXX based on the account number the mortgage server cancelled our insurance. All methods of processing our insurance were ignored or mishandled. I had been with our insurance company for many years and had a preferred rate. As a result of this XXXX our insurance costs have increased. We did secure our own Homeowners Insurance Policy yet due to XXXX the rate was much higher than previous policy. XXXX XXXX XXXX XXXX Forced Placed Insurance charged our mortgage two months in a row for a total of {$4100.00} {$2100.00} on XXXX/XXXX/2013 and {$1900.00} XXXX/XXXX/2013. Both charges were from XXXX XXXX XXXX XXXX. I have a letter from Wells Fargo that indicates the following : The insurance coverage that we ordered on your behalf has been cancelled. 
However, the amount of {$610.00} was returned as HAZ INS REF. The correct amount is {$4100.00} plus {$710.00} for a total of {$4800.00} that was taken from us. 
This increased our mortgage payment XXXX per month which is a hardship. We are on a fixed income with several health issues between us. We are underwater in this house. 
Property values have decreased and taxes remain stable. 
With that I ask for help because insurance should n't cost {$4800.00} PLUS {$1000.00} equalfor a total of {$5800.00} for any household.
XXXX XXXX With a line of credit from Onward Credit, you will be charged interest on the daily principal balance. The daily periodic interest rate applied to your daily principal balance will be 1.09315 % ( which corresponds to an Annual Percentage Rate of 399 % ). By making payments that are larger than the minimum amount due, or by paying your balance in full early, you can significantly reduce the cost of your loan. 

Transaction Fee When you utilize your line of credit to take out a cash advance, a 20 % transaction fee will be assessed on the amount you borrow. For example, if you take out a {$200.00} advance, {$200.00} will be deposited into your bank account and you will be assessed a transaction fee of {$40.00}. Please note that the entire amount of cash advance will be deposited into your account and you do not have to start paying the transaction fee until your next statement due date. 

Principal Balance The daily principal balance ( upon which the interest rate is applied ), is determined by taking the beginning principal balance of your account each day, adding in any new Cash Advances, and subtracting any Principal Payments received that day.
I applied for refinancing of my Nationstar mortgage through Green Light loans who is a subsidiary of Nationstar. I was told not to make XX/XX/XXXX payment during process as one payent is skipped. I called Nationstar on XXXX XXXX when i got late notice on mortgage and they told me to disregard if I was refinancing. I got nervous XX/XX/XXXX and called Green Light Loans on XXXX XXXX and was told to make payment as I could n't miss two but not make XX/XX/XXXX. My wife made payment on XXXX XXXX and we were told we were turned down due to late payment. All of the phone calls had taping notifications upfront. I even have email from Greenlight loans confirming they are telling e I do n't have to pay one month loan.I had just been in very big lawsuits and had run out of money and had credit problems which my loan company knew but i had never paid mortgage late previously. They turned me down in id XX/XX/XXXX and when i paid, i now have XXXX late credits on my account and I am forced to keep paying much higher interest rate. I think they wanted to keep higher interest and purposely manipulated late payment. I attached e.mail showing they told me not to pay
I have made transferred payment to my daughter account on XXXX/XXXX/2015 which she has same bank with Chase. I cant believe that they did not transfer to my daughter account and took money out of my account of {$97000.00} and put in their account. I called them they said they will transfer but until end of the month which is XXXX. I dont see any reason for holding account and took money out without transfer to my daughter. I called in XXXX XX/XX/2015 to cancel this transaction and they said same thing to keep my money hold to 5-7 business days to put it back. In my concern, I believe that Chase does wrong practice to consumer while taking their money and put it reservation account in the event of transfer and cancelled. They cant put money on hold for that long when I made the cancellation. I dont trust them to keep my money and want to take it back but they dont return money as they keep.
I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.
About a year into the loan I went on the company 's web site and made a {$5000.00} payment ... mostly principle ... the web site showed in red letters that the payment did not go thru, try again, so I did ... ..my checking account was charged for {$10000.00} and was overdrawn ... .the web site states specifically that one can not make two principle payments on the same day which is what they tried to do ... the printout of my account with them shows exactly that ... .they have refused to pay the overdraft charge from my bank ... .it has been a year and I have stopped paying them except for sending them {$1.00} at payment time last month and will continue to do so until they make good on this problem.
I've been having issues contact Coinbase.com and XXXX   concerning a lockout to my account. For the past two and a half months I've been having seeing " An error occurred. Please contact XXXX  support '' when trying to access my funds. I currently have around 14k in total cryptocurrency values that aren't accessible at that the moment. I have repeatedly emailed them and see this response multiple times : " Hi again, Ive just checked your account and can confirm that your request has been properly escalated.

For fastest response, please do not create multiple tickets about your issue.

Once your request is cleared, well be sure to follow up.

Thanks so much for your patience and for working with us on this.

Hi there, Thank you for contacting Coinbase!

Thank you for patronizing Coinbase.

Warm Regards, *XXXX* '' If I could somehow have access to my account that would be great.
Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,
RE : XXXX-PRIVILEGED AND CONFIDENTIALCOMPLAINT : XXXXDear Wells Fargo Bank : I am in receipt of your regular mailed letter thot mirrors the online letter I IMMEDIATELY RESPONDED. Now, let ME, XXXX, provide clarification. 

The rental deposit annual interest payment is mandated for ALL LANDLORDS to paying tenants annually. I received the {$1.00} check dated XX/XX/XXXX sometime late in XX/XX/XXXX. I was unable to cash or deposit {$1.00} official XXXX check ( does not contain remarks noting 'void ' ) If the money has not been returned to the sender, then the money should be sitting in a bank ACCOUNT collecting interest. 

I WANT ALL MY MONEY AND ALL MY INTEREST. 

Sincerely and Respectfully, XXXX
I received a XXXX int from U.S. Bank for XXXX. I do not have a interest beaRING account with this bank. Neither have I ever. I had a mortgage loan with them in which I sold the property in XX/XX/2015. Mortgage account XXXX was closed in court on XX/XX/2015. I have never any account other than a mortgage. This XXXX XXXX is for interest income. I '' ve tried calling to no avail. I am XXXX.. I do not want to have to pay somebody to do taxes because the IRS didnt get the XXXX dollars they are owed on this money. I did n't receive it I not paying taxes on it. If I have to I will report to the IRS but under fraud. Because any fool knows you would not get a XXXX int on a mortgage. Maybe a XXXX but not a XXXX.
Loan company sent check to my bank and withdrew money when acct was paid bank day they paid but I didnt have money in acct at time I went negative on acct bank charge me nsf fees I ask loan company to put money back they said yes but I am still neg with bank after 2weeks I cant pay loan company again l am already 2payments over loan and bank keeps going up on negative acct lm XXXX on fix income what can I do XXXX is the bank involved
Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report.
Transunion is reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX XXXX, partial account numbers XXXX ; XXXX ; XXXX and XXXX. I have contacted the bureau and requested these items be deleted or the coding corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due amounts.
On XX/XX/2018 XXXX XXXX XXXX reported to Experian that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.
My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.

Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.

At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). 
They have stated several times that I am a month behind, so I have made manual payments over the phone.
My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.