WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX XXXX, I bought into a special discounted rate for season passes at XXXX XXXX over Georgia and paid {$64.00} total that day on a {$150.00} total price ( {$40.00} of which was not required ) On XXXX XXXX and XXXX XXXX my card was charged {$14.00} both times for a total of {$94.00} in all, sometime in XXXX my credit cart company sent a notification about a charge to my card I had not made. 
That card number was canceled and I got a new card, for whatever reason it took me XXXX or XXXX weeks to get a new card, ended up with XXXX replacement cards showing up all at once within the same week. 

XXXX XXXX emailed me about the card not working, I responded with a explanation as to why and what was taking place ( I 've yet to set foot within XXXX miles of the park yet ) Once I did get a replacement card in hand I tried finding the email from them to give the proper card info. I looking for email, I found XXXX from them stating my privileges for said passes had been deleted or restricted. 

From the time I bought tickets until this, my XXXX had a XXXX, would n't be able to go anyway. I decided to accept the {$94.00} loose on the {$150.00} purchase ( with only {$59.00} left to pay ) and move on. 

then I was notified by Equifax that my credit score had taken a hit due to a account being placed into collection?? I had no idea what this was due to only that my score took a XXXX+ point dive. I found the issue with XXXX and reported it to them, since then nothing has been done as I expected. 

p have XXXX issues on my credit report that are incorrect I have sent documentation showing this, nothing happens to fix it or worse it gets handed over to a different collection company to hit my score again, I 've been dealing with some of these issues since XXXX I kid you not. 

I 'm tied of spending money trying to fix this, talking to people who cant or wont fix issues where I have shown them documents proving my case only to hear " we only report what they sent us, their report outweighs your conflicting dispute info. 

In XXXX I had XXXX disputes where both XXXX XXXX XXXX and XXXX both said I owed them {$480.00} for a cell phone, sent receipt where it had been returned within time limit, they answered each dispute with a new collection agency for Years XXXX my credit score taking a XXXX point hit each time, XXXX times each year times XXXX, well over a XXXX point hit. I finally contacted the FCC and they fixed the issue neither company or Equifax would fix BUT I never got any points put back to my account that were stolen from me. 

the whole big XXXX credit reporting agencies I paid well over {$2000.00} to over the last XXXX  years has beena waste and a bad joke and to add to it, they do not care.
There is a account that is listed inaccurately on my credit report for  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and Equifax have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   County Court . I have attached a copy of the  XXXX   XXXX . There is a error please Delete the misinformation.   This is a notice of dispute pursuant to the Fair Credit Reporting A ct ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section
Someone 's been using my information. Someone else 's SSN is appearing on my Experian report. An address in California, and people 's names I do n't even know. I had to verify my identity with XXXX several times and they were asking me about people I 've lived with and I do n't know those people nor have I ever lived with them. The only thing we had in common was our last name. I have a {$290.00} bill that is not mine.
After receiving in XXXX XXXX a promotional 0 % interest rate offer from PNC BANK, I read the offer and was confused on what the 0 % offer applied to. After review I concluded it applied to balance transfers and new purchases. On XXXX XXXX I called the PNC Bank phone # on the offer advertisement to confirm. A Customer Service Representative stated that the 0 % APR interest rate promotional offer as advertised was for both balance transfer and new purchases till XXXX XXXX, XXXX. 
That day, I did indeed transferred a credit card balance from another bank to PNC BANK VISA. I was charged a fee of 1 % for the balance transfer and began using my PNC Bank Visa card for new purchases.The interest charge on my next XXXX credit card statements eluded my review. The most recent statement I discovered an interest charge of 14.24 %. 
When I called PNC Bank for an explanation they requested I fax them a copy of the promotional advertisement. I did immediately, and by the end of the day a customer service representative ( name XXXX ) called me and stated " The Bank Stands Behind Their Advertisement '', and only the balance transfer is 0 % interest. 
I stated, " I will have to take the matter to another level ''.
Chase Bank Credit Card 's Fraud Department has made a series of gross errors & incorrect actions due to their internal confusions & their lack of continuities with their disjointed processing over various departments, each different depratment, not know what the other department is doing, resulting in incorrect information being transferred & erroneous decisions being made against the interests of its customers, who bear the impact of its wrong decisions & actions. 

Attached herein are the erroneous decisions & actions carried out erroneously by less than professional staff of Chase Bank Credit Card, first assuming there has been fraud & unilaterally shutting my Credit Card Account by jumping to the wrong conclusion & assuming fraud has been committed, without checking or verifying with us, the customer ( victim ) BUT in actual fact, there is NO FRAUD WHATSOEVER!!! 

In the attached Chase letters, Chase jumped to the conclusion that I claim forgery, when IN ACTUAL FACT, I never claimed any forgery!!! 
Chase unilaterally, without checking nor verifying with me, wrongly informed & instructed various Credit Score Companies of NON-EXISTENT FRAUDS & /OR FORGERY!!!!

Subsequently, after I have officially written in to inform Chase Credit Card Fraud Dept. there ther has absolutely been NO FRAUD, NO FORGERY COMMITTED, then Chase Bank then sent its retraction letter & started its DAMAGE CONTROL processes. However, Chase 's erroneous mistakes have already caused its damages to its client, namely me!!!

Consequently, Chase Bank Credit Card has its official duties to its customers to put right, rectify, restore & reinstate its customer 's correct positions before what Chase has wrongfully done, by normalizing my credit cards back to its original position.

Chase Bank Credit Card has requested for my various documents which I had complied to the letter & sent them to Chase at their branches, that led to their official credit card approval & issuing the physical card to me. The Chase Bank has acknowledged receipt of my various relevant documents & on that basis, official approved the cards!!!

Hence, Chase should respect & honor its own decisions & caused so much distress to its client, namely me!!!
On XXXX/XXXX/XXXX a " Small Balance Adjustment '' of {$.00} was removed from my BankAmericard XXXX card account. 
This transaction was quoted as a " Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : XXXX and Transaction Type : Fees. 
As Bank of America is aware similar " Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX I was informed on many occasions by Bank of America that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Bank of America this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Bank of America is still working on the issue and I should hear from them, Bank of America within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred XXXX times in the last seven months.
I have been authorized by my mother to file this complaint, because she does not know how to use a computer. My XXXX year old mother purchased a XXXX XXXX XXXX vehicle XXXX from a local dealer, the interest charged on the loan is 20.45 %, the car cost {$12000.00} the finance charge on the car is {$9100.00}. My mother was not aware of how much this car cost, she was paying on the car until I requested the contract to see why after 3 years her payoff for the vehicle is {$10000.00} and the car is only worth {$3400.00}. I spoke with the car dealership because there was a {$2400.00} charge for SGuard plan which she never received information on and this charged was include with the cost of the vehicle. I am finally this complaint against this company Santander Consumer USA why did this company charge such a high rate and if her credit was bad at XXXX years old, why did they advise her they could not do this loan. I check on line regarding this company, they have a high rate of repossessions in Florida. I truly believe they need to be investigated for Predatory Lending Practices.
I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.
I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. 
Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.
I am not sure if this is the right category for my complaint. I have recently contacted all XXXX credit bureaus to inquire about my credit score decreasing by XXXX points within a 24 hour period. After speaking to a representative at both XXXX XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain the decline. I pay Equifax {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report to make their decision to increase my limit. My credit score went from XXXX down to XXXX on XXXX and also dropped significantly down to XXXX on Equifax and XXXX on XXXX. Each agency has tried to " speculate '' about what could have " possibly '' happened and none of the scenarios presented are applicable to me. The only change to my credit in a XXXX hour timeframe was the {$250.00} increase which caused my credit utilization to decline significantly. The representative at Equifax indicated I need to go out and use credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from the low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score dropped like a rock. A representative at XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. She also said I could close the account but that too may negatively impact my score. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and now " XXXX XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for the legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
XXXX XXXX XXXX XXXX collected monthly payments over a period of 4 years that were never applied to my account. I have held money order receipts for each transaction and forwarded these to a Navient supervisor by the name of " XXXX '' who I spoke to in XX/XX/2016. All of these correspondences were preserved within my Navient files. However, my account was continued to be listed in default even though Navient deposited each and every monthly payment. As such, my yearly income tax was withheld and I was labeled an 'unresponsive ' account holder by Federal Student Aid. After reading about the CFPB suit I spoke to XXXX # XXXX today at Navient who told me that my account records no longer exist and have been moved to XXXX XXXX XXXX. I would like to add my grievance to this national lawsuit https : //www.consumerfinance.gov/XXXX
There was a collection added illegally back to my credit report on XXXX XXXX, XXXX by CONVERGENT OUTSOURCING, INC. XXXX XXXX XXXX XXXX XXXX, WA on behalf of XXXX for {$1600.00}. This account was previously deleted in XXXX due to their use of improper protocol when attempting to collect an invalidated debt as well as it being fraud. I was not sent the legal notice that this account was resold or the required 5 day letter that this collection would be added back to my credit report. I would like this collection removed again as it was and the collection agency to no longer attempt to collect an invalid debt. This is causing an extreme hardship by damaging my credit continuously with fraudulent information. This situation is causing me loss of money, time, credit resources and severe stress. Notices have been sent to the company requesting action with no response. This is now becoming harassment and I would like this resolved immediately or I will have to take legal action. It is already difficult enough as an Identity theft victim trying to repair and replace the things I 've lost and this illegal action just adds insult to injury.
I received communication from Portfolio Recovery associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The  XXXX  in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
I was sent a letter from a law firm in XXXX, stating that I violated a statute in XXXX County, Florida. I live in XXXX, Ohio and have never been in XXXX County, Florida. The law firm is Linebarger, Goggan Blair and Sampson. The letter was sent from a XXXX XXXX, who is not an attorney registered in the State of Ohio.
I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX  from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
Chase Home Finance would not consider me for any program when I became XXXX and unemployed. Their idea of a re-modification was to increase my payment that I already could not make/afford by over $ XXXX monthly. They cancelled my home owners insurance that was less than {$1000.00} and replaced it with a policy over $ XXXX yearly. I did have an attorney who retired and passed me on to his partner who did NOTHING except process me right into a sheriff sale-foreclosure. They offered me nothing ( no programs - no options ) even though I submitted all documents as instructed per Chase 's employees. Have No idea what my rights were or are as I am not an attorney and can not afford one. All I know is I put $ XXXX down for my $ XXXX that 's worth under $ XXXX and now I owe close to half a mil with all of Chases crazy fees-YIKES!!!. Thanks to the foreclosure on my credit report now I ca n't even qualify for anyone to show me an apartment let alone rent me one and am headed into being homeless with my stealth medical condition. Chase ignored my pleads for assistance and their operators are like a bad joke. Each one you speak to gives you different MIS-information that leads you to nowhere. Do yourselves a favor stay away from chase and anyone connected to them. Good luck.
I was not home and a company named Integrated Services. The persons name was XXXX. The voice mail message that was left was they were trying to contact me for a legal address for service and to call this number XXXX to provide a formal statement. Failure to respond could lead to verification of employment and liquid assets to avoid this call my office immediately. My wife heard this message and it troubled her. It is my understanding that according to the FDCPA a company ca n't leave a voicemail message like this without my consent as a third party can hear it. This message is also asking for me to make a formal statement which insinuates this is an attorney or law enforcement agent. If this is a legal debt then i would like this agency to pay it for violating the FDCPA.