WillisBack/dataset-financial-user-claim huggingface dataset:
XXXXThis complaint is a supplement to the Office of the Comptroller of the Currency case # XXXX. According to that complaint, Chase bank claims a factual dispute between myself and the bank employee who entered the errant address XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx. XXXX, based on my instructions. And of course, I dispute their claim. In addition, this subsequent complaint seeks answers to the following questions and request documents that Chase failed to address in their previous response dated XX/XX/XXXX : a ) Is their bill pay envelopes required to have a return address ;, b ) if so, provide proof that the XXXX, XX/XX/XXXX and XX/XX/XXXX carried a return address, tracking code, or mail meter stamp ; c ) provide copies of the front and back of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX signed checks by Bank Manager . Based on the bias assumption held by the bank manager that XXXX XXXX provided errant information, did that perverse assumption interfere with her doing her job of monitoring the paper checks for accuracy before signing them? The only way for us to find out what the bank manager 's actions were is to have the bank produce these checks. The original scenario suggested by XXXX XXXX is more fitting as to what happen then the prevarication offer by the Bank. XXXX XXXX suggested that the clerk entered the wrong information and that when the Bank Manager realized that she signed the paper check with the wrong address, she and her employee colluded and manufactured a bogus story. I am requesting that your agency have Chase bank show proof that the XX/XX/XXXX and XX/XX/XXXX were mailed out and given to the mail man for delivery. Also, state the names of the employees who mailed out these payments. Please explain how both the XX/XX/XXXX and XX/XX/XXXX became available in my account at once after I notified the bank of 55 day car default notice. It appeared that no one noticed the fictitious address until after the delinquencies occurred. I ca n't believe a bank customer service rep entered a wrong address, a bank manager signed the check with the errant address, a postal worker, and a financial company accountant failed to notice a city called XXXX, Tx. each time they processed these checks. Finally, I am requesting that Chase explain why I was mailed a fraudulent letter on XX/XX/XXXX signed by a non-existing employee, XXXX XXXX, who did n't work in that capacity reflected in the letter. Please identify the employee by name and the reason they generated the letter which implies that the bank committed an error.
1. I was told when checking-out at Home Depot that if I signed up for a HD credit card, I would get 5 % off every time I shopped there. I would need to follow-up and sign-in online to fix my settings so I would get that 5 % credit to my statement. 
2. I proceeded to get the card and shop at Home Depot ( HD. ) I did not receive 5 % off. I signed in online but I was not able to find a 5 % off benefit anywhere. 
3. I called in to the card 's phone number to express my concern. After being escalated to a manager, I was told that the 5 % off was not a card benefit, but a store benefit, so I would need to speak to the store manager. This was on XXXX XXXX. 
4. I went in to speak with the store manager on XXXX XXXX who told me that, yes, I could get 5 % off, but I would have to inform the cashier each time I checked out. 
5. I proceeded to shop, and when I checked-out, I told the cashier I wanted to get my 5 % off. He tried to get the discount, but was unable to because he said there was a glitch in the system. He shrugged his shoulders and said 'sorry. '6. I called in again to cancel the card and expunge the record of having an HD credit card from my credit history. They refused.
Purchased a XXXX XXXX XXXX in XXXX of XX/XX/XXXX. My first payment to Ally Financial was {$300.00}. I subsequently made a lump sum payment of {$5000.00} in XX/XX/XXXX which they labeled a payment reversal which I intended to be a " principal payment '' on the loan. They applied this amount to the unpaid balance instead of the principal. My next monthly payment went up to {$310.00} after that for some reason. I never really noticed it until later on in the year that this was happening. Then, starting in XX/XX/XXXXmy payment amount suddenly went down to around {$280.00} a month but the actual amount taken from my checking account was {$350.00}. Again, i never noticed this and did n't ask any questions until i logged in to see what the interest rate was and to possibly refinance this loan with another institution. I started receiving statements that my next payment was {$270.00} and it was n't due untilXX/XX/XXXX. I had been paying {$350.00} for 3 years and had never been billed the {$270.00} as my statement read. Called them and they stated that I was paid up till next XXXX because I was overcharged every payment and, in reality was paying ahead. I never authorized this. I should 've been paying {$270.00} all along. i think my payments actually went up when I made the lump sum payment back when I first bought the car. With me being paid up untilXX/XX/XXXX I figured I would n't need to worry about the loan again until the next payment was due on the date I just indicated. I called to get the payyoff quote and I asked to make sure that I was n't paying finances charges every month until my next scheduled payment in XXXX XXXX. The lady stated that I WOULD be charged finance charges every month up until my next payment and she even quoted me the amount. How outrageous is this. I 'm being charged finance charges again on the amounts i paid up until XXXX XXXX again? I got fed up with them and requested the payoff and that I was going to have another financial institution pay off the loan but I needed ( according the other Financial Institution ) that I needed a document, with Ally 's Letterhead quoting the payoff amount ) She gave me the payoff amount and I gave a fax number where it could be sent. It 's been over a week and have n't received the letter and ( after what I 've been reading in the BBB complaints ) do n't expect to see this payoff document. I 've read some nightmare complaints with the BBB over these people and I can relate to their situation ( s ). I really do n't know whether to wait until my next payment date (XX/XX/XXXX ) and take my chances with the fraudulent finance charges or just pay the loan off today. I would have to come up with the money myself since the Finance Co. I checked into would not approve a loan without the official document from Ally. Note : I have been making monthly payments of {$350.00} since the inception of the loan and my statement clearly shows the monthly amount to be {$280.00}. Hopefully all of this makes some sense. I 'm at odds and have no where to turn. Thank you for the opportunity to submit this complaint.
XXXX 2017 I filed disputes with XXXX and XXXX. 
Convergent verified the alleged account with both credit reporting agencies and ignored my written letter of dispute. 
I presently have XXXX and have had service with them for over 2 years now. my account is current. I do not owe any past due balance .nor have I had a prior account with them. I have no idea what the alleged charges are for. contacted XXXX and no records reflect any such account associated with me. thus convergent is reporting false unverifable information that must be immediately removed. I am incurring damages and will pursue legal action if this agency refuses to remove this inaccurate data in it 's entirety..
Innovis Credit Bureau has 5 mistakes listed on my credit report in the OTHER CONSUMER INFORMATION section of the report. 

They are as follows : 1 ) My name is spelled wrong. It is not XXXX XXXX. I have never gone by that name legally. 2 ) My current address is not listed. I have lived here for over 2 years. 3 ) The last XXXX digits of my XXXX are incorrect. They are not XXXX. 4 ) My birth date is missing. 5 ) My telephone number listed is wrong. It is not XXXX XXXX XXXX XXXX.
A XXXX XXXX charge was fraudulently made against my credit card by an unknown third party and the merchandise was erroneously delivered to my address. I contacted XXXX XXXX in XX/XX/XXXX and was told that they would make arrangements for me to return the merchandise via XXXX and that someone would contact me. They provided me with case # XXXX. The next contact I received was a letter from the collection agency about which I am complaining. I contacted XXXX XXXX again and was told that they would not make arrangements for XXXX to return their merchandise to them and that I would have to return the merchandise to a XXXX XXXX store. I returned the merchandise on XX/XX/XXXX  to XXXX XXXX store # XXXX and was issued receipt # XXXX. I advised the collection agency of this and requested that my record be cleared. They responded by insisting this is a valid debt of mine and they refused to contact XXXX XXXX to confirm that the merchandise had been returned to them. I have subsequently sent them proof that this is not my debt and that XXXX XXXX considers this issue to be resolved. I then sent six additional requests to the collection agency, none of which have even been acknowledged by the agency.
Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.
Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.
Good afternoon, I am submitting a complaint on the manner that Capital One managed a charge I dispute on my Credit Card Account. Following is a detail account of the events that transpired : On XXXX XXXX, 2015 I went on-line to find car rental for XXXX during XX/XX/XXXX. I used the XXXX search engine to review the different alternatives and choose XXXX of them. I booked the reservation with XXXX. The reservation total cost was {$370.00}. I prepaid the reservation in full using my XXXX XXXX. 
I received an e-mail confirming the reservation and the rental agreement. The reservation included unlimited mileage, taxes, airport fees, liability and fire insurance. The agreement stated in the terms and condition " Upfront Pricing, and No Hidden Fees ''. 

Attached for your reference are the following documents : Confirmation and agreement of the reservation Full payment of the reservation with my XXXX XXXX. 

During XXXX 2015, I traveled to XXXX and used the reservation as previously agreed. On XXXX/XXXX/2015, I arrived at the XXXX rental desk to pick up the car. During this process, I gave my Capital One credit card as insurance for any accidental damages. I only signed a document stating that I was retrieving the vehicle in full working condition with no damages. I did not sign for or authorized any additional charges. 

I returned the on XX/XX/XXXX, as previously agreed upon. The car was returned in perfect condition with no damages. On XX/XX/XXXX, I notice that XXXX charged me an additional {$690.00}. I contacted XXXX to inquire about these charges and they told me that they were " additional fees '' part of the rental agreement. I refused the charges, on the grounds that they were not previously disclosed or agreed by me. I had no luck with them, so I initiated the dispute with Capital One to eliminate these charges. 

I contacted Capital One to dispute these charges on XXXX XXXX, 2015. I provided a full written explanation and copies of the supporting evidence. As part of the investigation process, Capital One received an itemized bill from XXXX detailing the additional charges of {$690.00}. Capital One shared this bill with me. Capital One told me that this bill " demonstrates '' that the charges are valid and the dispute would be closed in the favor of the Merchant. I immediately contacted them to state that the bill is fraudulent. The bill was not signed or approved by me. Furthermore, the bill was created and produced after the rental agreement was over. None of the additional fees in this new bill proceed either because they were fully prepaid by the reservation or they were not part of the term s and conditions of the original agreement. 

I contacted Capital One in numerous occasions though the phone, fax and e-mail to explain that the addional charges were never authorized by me, are not part of the terms and conditions of the original agreement and therefore do not proceed. Capital One did not gave credit to any of my explanations or supporting document. They only gave credit, to a bill which was fraudulently created after the rental agreement was over. Capital One closed my dispute in favor of the customer on XXXX XXXX, 2015.
Rented an apartment for one year at " XXXX XXXX '' in XXXX, Texas. Vacated the apartment on XX/XX/2017. The apartment was in clean and rentable condition upon moving out. Five months later, I receive a collection notice from XXXX XXXX, a collection agency acting on behalf of " XXXX XXXX ''. In that collection notice, they state {$660.00} owed them for ; two full apartment cleanings, one for {$75.00} another for {$81.00}, water/sewer/trash totaling {$120.00}, these charges were already included in the last month 's rent, {$50.00} for refrigerator clean ( was cleaned prior to moving out ), pest reimbursement for {$5.00}, Utility admin fee of {$3.00}, couch removable for {$200.00} and on and on. 
I worked with the collection agency, they even stated this was a bit unusual, especially five months after the fact. 
In working with the collection agency, I came o find that I was charged a {$200.00} pet deposit and {$10.00} per month pet fee, I never had a pet in the apartment. Additionally, they never refunded my {$250.00} deposit, this totals {$570.00}. No one mentions these cost in the collection notice. 
I am in process of moving and find that XXXX, the tenant screening company has this issue listed on my credit report and I have been denied housing. I tried to work with XXXX and sent them papers that I sent to the collection agency to resolve this issue. I received a do-not-reply email from XXXX stating they can not ever change the credit reporting status. I find it bordering on slander and liable that a credit reporting agency such as XXXX, who does work for the apartment complex 's is unwilling to resolve this issue. Trying to call and converse with them is almost impossible and they never return a call, only the do-not-reply email correspondence. 
The XXXX  lists many complaints against XXXX, many people with the same issues as myself, nothing seems to get resolved. 
I need your assistance in resolving this matter.
XX/XX/2018 {$520.00} Debt Collection Agency : XXXX   XXXX, XXXX XXXX XXXX XXXX sent {$520.00} to a debt collector. I am very confused because I used to have XXXX, I have recently closed it like 5 or 6 months ago with no balance. My account was successfully removed and unable to login at all. I have no idea why I am having a debt agency coming at me, I haven't owe any of these from XXXX. I only used XXXX to sell merchandise on XXXX.
I fell behind on my payments to my Barclaycard credit card by over six months. I contacted Barclaycard to see if I could work out a payment plan on the account before it was forwarded to a collection agency. The account services agent that I spoke with said that I could set up a payment plan beginning with XXXX 'good faith ' payments of {$19.00} a month for three months. At that point they said that I could increase the minimum payment and my credit card would be reactivated and carry a current balance instead of a past-due balance. This was on XXXX XXXX, 2016. Within a few weeks I was contacted by a collection agency that informed me that Barclaycard sold my account to them to pursue collections. Since XXXX XXXX, Barclaycard has continued to charge my bank account $ XXXX monthly. I contacted Barclaycard three times and was told on each occasion that someone was working on my account and would get back to me. The collection agency that contacted me told me that there was nothing that could be done since the account had been sold off to them. The representatives from Barclaycard informed me that a mistake had been made and that my account should not have been sold off to the collection agency but they have not taken steps to rectify the situation. My bank account is still being charged and it seems to me that Barclaycard illegally sold my account in violation of an agreement that I entered into contract with them on.
I filed a complaint already about this company not allowing me to reduce my monthly payments, and only giving me options that would still take all of my money from me. A week or so after filing the complaint, I got a call at a very inconvenient time and asked that they call me back the beginning of the next week. Two weeks later and they still have not called me. I tried emailing them regarding the status of the matter, and their contact page will not allow me to send an email. Whenever I call I am just left on hold for what seems like hours. 

It 's very apparent that they are trying to avoid the matter and focus on purely taking what money I have without helping me at all.
My father paid off TD Auto Financing on XX/XX/XXXX. There was an auto draft on the bank account for a monthly sum of {$880.00}. My father was hospitalized a few days later and did not have a chance to cancel the withdrawal. TD Auto continued to draw the {$880.00} every month for the last 5 months. I became the POA and called the company. They refused to talk to me until they had my POA, in the meantime my parents account was over drawn. They sent a check in XXXX for 2 of the overpayments and continued to draw the payments on an already paid off vehicle. Again, they sent another check for 2 more payments and we still have not received the last payment. I called the company the last of XXXX and talked to a supervisor. He said that if there is an overpayment the company returns the money and cuts a check on the 24th day after the overpayment. I asked why did we receive 2 payments at one time if that was the case? He could not explain that. It is now XXXX XXXX and a check was suppose to be cut on XXXX XXXX. I called and the check is suppose to have been cut on XXXX XXXX ( we still do not have it ) which is much longer than 24 days per their policy yet again. After I looked at the printed out check for a payment ( on a truck that was paid off ) from my parents bank I noticed that TD Auto wrote the check themselves and cashed it.
I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.
I do not think it is fair that a bank should charge us a fee for cashing a check that is drawn on their Bank regardless of whether we have a relationship with their bank or not why should they be allowed to take money from us just because we do n't have an account with their Bank. If the check is drawn on their bank they should cash it with no fees to the person cashing the check. Bank of America wants to charge me {$8.00} for cashing a check that is drawn on their Bank because I do n't have a bank account at their Bank or relationship with them I find this ridiculous and totally unfair why should I give them {$8.00} of my money because I do n't have an account at their Bank what the check is going to bounce and they 're going to have to take it out of my account which is not written on which the check is not written on my account not fair they should not be allowed to charge me anything if the check is drawn on their Bank.
This is the second complaint I have with Ocwen Loan Servicing. Ocwen did not pay my homeowner 's insurance and therefore it was canceled. This was after numerous calls with Ocwen to get it paid. I even had a 3 way call with Ocwen and my insurance agent. I thought it was taken care of since Ocwen stated they were going to XXXX the payment. I found out it was never done and I no longer have insurance. I lost my low deductible and my low premium for being a long term client. Ocwen put forced place coverage on my account and raised my payment. I have several calls to Ocwen 's Ombudsman team and manager ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX ). They will not give me help resolving the increase in my payment due to their error or resolving the loss of insurance. I have not been able to get new insurance. I will never be able to get the same deductible or payment for homeowners. I have called several insurance companies and get the same response either I wo n't be insured or a way higher amount than what I was paying. This was not my error. I have always been current on my mortgage. This has caused me a heavy burden. I have been fighting with them for 2 years now. I need a solution of how Ocwen is going to fix their error and a resolution of how I am going to be compensated for their error. I should have have to increase my payment for their error. I should not have to be penalized for the rest of my life for the loss of insurance ( deductible and payment ). How am I being protected from a Servicer that conducts business this way? I need this complaint resolved immediately. The last complaint was just forwarded to Ocwen but never resolved. This is unacceptable.
A dr bill submit ted for collections from  XXXX ,  XXXX . I appealed this bill wit h   XXXX   si nce I do not owe this mone y.   XXXX   initial  response is that I owe the bill, but I have the right to appeal for further reconsideration which I did with  XXXX  on  XXXX   XXXX ,  XXXX . My reconsider was accepted and This bill is now under a reconsideration appeal with  XXXX  and until it is resolved, all collections must be halted. I notified IC that   XXXX   has accepted my reconsideration appeal and they are in process of making a determination as to whether I owe this bill. I Notified IC Systems many times about the appeal and asked them to please not file with credit bureau any negative information about this bill, until this bill is resolve d with     XXXX   as to whether I owe it. ( letter attached, sent in additio nal to all the phone calls ).  XXXX   XXXX ,  XXXX  I received a response to my many calls via letter continuing to threatening me and disregarding the fact that this bill is in reconsideration appeal wit h   XXXX  Please note what the letter states ( I have attached a copy ) : " IC Systems sends a weekly electronic file to credit reporting agencies listing debts that are unresolved and unpaid 45 days after IC began collection efforts. '' " Your dispute has been noted and information verifying the debt is attached to this letter ''. Also note that they attached a payment stub for me to pay this bill even though they have full knowledge of the appeal. I consider this letter a threat.   This company is deliberately disregarding my appeal information which was sent to them. They are threatening me with credit bureau even though at this point it is unresolved by   XXXX   as to whether I owe this bill.   I called IC on  XXXX   XXXX  to again state that this bill is under Appeal and I was told I would be faxed some information about what actions they will take, which has never been faxed.   The bill owed is {$110.00} and I am elderly o n   XXXX   .
I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you