WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased 2 XXXX XXXX from Bestbuy.com on XXXX XXXX, 2017 using my Chase Debit card came out to XXXX. On the same Day I picked up my 2 XXXX XXXX from local best buy. Then find out that the laptops  in the 2 boxes had been switched out for used and broken laptops. I called best buy XXXX number and they referred me to local store. I talked to manager he refused to refund or exchange. I called chase bank to begin a dispute on XXXX XXXX, 2017. They took my information and dispute agent said that in 2 days they would give me a provisional credit. I get a email to call chase bank on Monday XXXX XXXX,2017 and spoke to another Chase Dispute specialist and he asked more of the same questions from the first call to chase and they said that they would investigate further. I then asked about the provisional credit and the chase dispute agent said it was n't up to him to issue credit that it was up to the back office. So i asked how long will it take before back office investigate and decide to issue provisional credit and he said he did n't know. But when ever they get more information then they will email me. This falls under a chargeback dispute since the merchant didnt give me my product, significantly not as described. Please review information to chase bank.
I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but Equifax and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX   at the time these accounts were opened. 
I am asking Equifax, XXXX XXXX, and XXXX  to please remove this fraudulent account. 
3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX   Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to Equifax and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account
On  XXXX  I was  XXXX  for  XXXX   XXXX   XXXX    XXXX   on  XXXX  I realize that my account has been used without my consent I reported it directly I had over a hundred charges that I could not have done and did not authorize I was informed as of  XXXX   XXXX  that my claim was denied without any reasons I then asked why I was n't covered under  zero  liability I was then never given the reason
In response to my first complaint, I am attaching an e-mail that I received from a representative of Capital One. Apparently this was just a joke. I have called 4 times, was put on hold for about 20 minutes, and the " foreigner '' I spoke to ( I could not properly understand him ) said this lady was not available. I guess the joke ( more deception ) is on me, right? Attached is the e-mail for your review : XX/XX/2017 Capital One Case : XXXX Dear XXXX XXXX, I 'm reaching out to you about your concerns. I would like to try to help you with this. 

Please give me a call at the phone number below at your earliest convenience. 

I am available from XXXX.-XXXX PT, Monday-Friday at XXXX. When contacting me, please use XXXX as the XXXX-digit PIN when prompted. My XXXX-digit extension is XXXX. I 'm glad to help any way I can. 

Sincerely, XXXX XXXX, on behalf of Capital One
Someone obtained my debit card info and submitted XXXX charges to my account on XXXX/XXXX/2017. XXXX charge was {$53.00}, the other was {$43.00}, totaling {$97.00}. Both charges were through XXXX, XXXX. shown on my bank account with the phone number : XXXX. The call on XXXX/XXXX/2017 was answered in XXXX. ( They told me they also had XXXX other office in XXXX, CO. ) They told me to email their fraud department at XXXXXXXXXXXX. I received a reply in a few hours. However, they advised me that they could only block my card number and could not reimburse me because they already transferred the funds to a third party. I am having my bank, Citizens Bank, try and recoup charges through their fraud department. I think it is unfair that XXXX can not have records to indicate who the third party is, in the event they have to go after this third party. There should be a law to prevent this.
I received a letter dated XXXX/XXXX/2017 alleging I owe XXXX XXXX XXXX XXXX XXXX on XXXX different accounts. I do owe them for XXXX emergency room visit, which I am making agreed upon payments which their letter had the incorrect balance. I have no knowledge of what this Collection Agency is talking about.
XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing.
I have an account with PayPal Smart Connect Credit since XX/XX/XXXX and I have been making the monthly payments online without checking the statements. I recently noticed that the balance was the same even though I was paying XXXX dollars every month. I went online looked at the statement and saw that part of my payment was going to interest and the other part was going to some other charge that I had no idea what it was. I contacted PayPal Smart Connect Credit owned by Synchrony Bank to inquire about the unknown charge and was told it was credit insurance. I told the representative I did not sign up for credit insurance. He told me he would cancel it. They sent me a letter saying it was canceled effective XX/XX/XXXX but never credited my account for the insurance payments that I have been paying unknown to me since XX/XX/XXXX. They were charging me XXXX per month.
I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.
SPS LN XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XXXX, a short sale package was submitted to Select Portfolio Servicing. On XXXX we called in to check on the progress of the short sale package and on the foreclosure sale date. We were told that no short sale would be initiated, as it is less than 30 days prior to the sale date of XX/XX/XXXX.
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SPS claims they fulfilled their obligations to offer alternatives to foreclosure on XX/XX/XXXX by extending an automated trial loan modification that violates underwriting guidelines by not reviewing financial documents first to ensure that the borrowers could afford it. Furthermore, this resulted in a proposed payment of over {$3200.00} per month, which is higher than their current payment. Clearly, if the borrowers can not afford their current payment, they can not afford a higher one, so they did not respond to this offer. This represents both servicing and loan fraud. Federal guidelines for granting a loan modification were completely ignored! There was NO WAY this would have been approved if it were reviewed for financial capacity to pay, as that payment would have resulted in 50 % of their net pay.
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SPS has historically offered these fake loan modification trials to every client that is in default, in an effort to game the system by claiming that this then satisfies their obligation to offer alternatives to foreclosure, when these payments 100 % of the time are higher than their current payment and have not been reviewed for the borrowers ability to pay. This does NOT satisfy that requirement as it is never viable.
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If the borrower can not afford the payment they currently have, on what planet could they possibly afford a higher payment?????
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How can this even be called a loan modification?!!
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When will the CFPB finally do something about this predatory company and stop their outright servicing and loan fraud?!!
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SPSs FRAUDULENT GAMES need to STOP!!
This company keeps trying to collect on a debt that originated from another creditor that has settled the account and charged off and shows paid on my credit report with all XXXX credit bureaus. This company has nothing to do with the original creditor. They are saying because the original creditor charged off an amount that I still owe that even though it was settled with original creditor They have called multiple times a day. some days early late and in the middle of the day. they have also called just after XXXX on a Saturday morning which I am including with this complaint
original company was XXXX who gave it to credit collection services. I paid them in XX/XX/XXXX and had it removed in XX/XX/XXXX. Now in XX/XX/XXXX it pops back up on my credit report under credit control services. according to the better business bureau credit collection services and credit control services operate under the same company and so they will not remove this off of my credit report it 's just a recycling thing and I continue to lose points because of it. A lady in my state from Minnesota took credit con collection services to court because of these false practices and I want something done ASAP this account has been paid!!!!
I submitted a dispute with XXXX and TransUnion last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called XXXX and Transunion due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.
I received a phone call regarding a debt to XXXX XXXX over the phone. I notified the caller that I did not receive proof of a debt owed and I closed the account in XXXX or XXXX of 2017 for disruptive cable and internet service. The items in question ( Cable boxes and modems ) were returned upon request from XXXX XXXX, which reflected the amount in question. I presented proof of same to the collection agency Sunrise and my attorney sent the collection agency ( Sunrise ) a letter also requesting proof of the debt. 

The Collection agency violated my rights under federal law and NY State law by placing a collection on my credit report for {$350.00} without providing proof of the debt. To date, I have not received proof of any debt nor have my attorney received a response from a letter sent to Sunrise Credit collection clearly stating the debt in question was invalid. I am requesting an immediate correction on my credit report or I will start litigation for damages in Supreme Court.
I have sent JJ Marshall Associate letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished ''
I have a loan ( fixed ) with Discover Personal Loan service ( account # XXXX ). I thought when I consolidated my Credit Cards, my payments would help me get out of debit faster. I did n't know how high the Interest payment would be. My monthly payment is {$580.00} for a {$2500.00} loan that stated in XX/XX/XXXX. The interest payments started in the {$500.00} range in XXXX and now it 's down to {$280.00} as of XX/XX/XXXX. They 've take more interest then they put towards the principle. MY loan payment as of XX/XX/XXXX is still at {$19.00}. I called to asked if I my interest payment and monthly payment can be lowered, but they said that 's could n't be done according to the agreement. I have XXXX other Discover Credit card accounts that are at the max. XXXX is at {$7800.00} and the other is at {$2100.00}. I have other debit that I 'm trying to keep up with, but I would like to know if theirs anything I can do about the agreement of the Discover personal loan,
submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.
In XX/XX/2016 I moved to a location where XXXX XXXX XXXX could not provide service to me. when I called in to try and move my services thats when I was informed they did not provide service in that area and also told me they would wave my cancellation fee because of the inconvenience. About 3 to 5 months letter I receive a letter from a debt collector stating I owed XXXX XXXX XXXX for a early termination fee. I decided the battle was not worth it so I went a head and paid off this debt.
This letter is a formal complaint that Experian reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The information listed below appears on my credit report but I did not make or approve of these transactions. This happened because of identity theft. 
XXXX XXXXXXXX XXXX Opened Date AXX/XX/XXXX Highest Balance {$170.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$290.00} XXXX XXXX XXXXXXXX Opened Date XXXX XXXX, XXXX XXXX XXXX  XXXX Opened Date XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$480.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$300000.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$580000.00} XXXX XXXX XXXX Balance {$2700.00} Opened Date XXXX XXXX, XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, XXXX
6 months ago I discovered that I was a victim of identity theft and therefore I disputed XXXX accounts with the XXXX major credit agencies. XXXX and XXXX did comply with my investigation however, experian has not. I am requesting that they comply with my demand under the fair credit reporting act. I have submitted a notarized affidavit, police report and my request to move these accounts.
I made a payment to Citi of {$3700.00} in error which they received on XXXX XXXX, 2016. When I realized that I had sent it in error, on XXXX XXXX, 2016, I called and was told that they had to report any refund over {$1000.00} to the government. When I inquired as to why I was told it was a regulation. When I inquired as to what the regulation was she told me she did not know. I was told it would be up to 7 days before I would get it. I asked for it to be sent to my Citi Checking account. On XXXX I called again and was told they were waiting to see if my bank had paid the check. I then told them that if I did not have the money in my account by XXXX at XXXX I would begin a complaint process. I do not have the money in my account yet.
My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable.
Greetings my name is XXXX XXXX and I am writing in reference to my Bayview Loan Services loan # XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX. I have reached out to Bayview repeatedly to alert them to a problem with in their system that was not reflecting the correct zero balance for my account. I have not received a response from Bayview. I sent emails to Bayview on XX/XX/XXXX and XX/XX/XXXX to the  XXXX email address that was provided to me. 
I also spoke to customer service on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire about a response. And both told me that my documents still had not yet been updated in the system. 

This is particularly disappointing because since my loan was transferred to Bayview in XX/XX/XXXX, I have had a terrible customer service experience. I started working on a Deed in Lieu around that time and it was stalled for over two years due to lack of responsiveness from XXXX XXXX at Bayview and overall failure from Bayview to move my file forward, despite having had a complete file on three separate occasions. This repeated and seemingly deliberate failure to move forward my deed in lieu requested created a disparate impact on me and also resulted in a financial hardship on me. With the unfair, deceptive, or abusive acts and practices ( UDAAPs ) policy in mind, I filed a complaint with the CFPB last year. After CFPB involvement, my deed in lieu was finally moved forward and eventually approved in XX/XX/XXXX. At that time, I was advised that any and all debt, fees, and obligations had been dissolved and that I as no longer liable to Bayview. 

However, unfortunately, I continued to receive bills/statements from Bayview. I contacted XXXX XXXX at Bayview on XX/XX/XXXX to inform her of this and she advised that this bill/statement was an error and that Bayviews system simply needed time to update. I contacted her again on XX/XX/XXXX to advise about that I was still receiving bills/statements and she said that the deed had been recorded and that I should not be receiving bills. 

Nevertheless, I continued to receive bills/statements. I spoke with XXXX XXXX on XX/XX/XXXX who assured me that the deed in lieu had been approved by Bayview, that everything had been processed on your end and that she showed a XXXX balance for my loan in her system. I am frustrated and upset because I continue to receive bills/ statements and I thought that this matter had been resolved. 

I am reaching out to CFPB as it seems this issue has still not been resolved. So I am asking for you to help me to rectify this situation with Bayview. 

Thank you so much for the help.
The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company?
In XX/XX/XXXX I bough a condo and had a 1st and 2nd mortgage on it since I put down about 12 % on the house. The mortgage was acquired by Citibank from XXXX and I have always paid my mortgage on time. I later refinanced my 1st mortgage through XXXX and my 1st mortgage from Citibank was fully paid off on XX/XX/XXXX. I refinanced my mortgages again in XX/XX/XXXX and I was informed that for the 1st mortgage that was fully paid off years ago the report from XXXX showed that the current status was " PAYING UNDER PARTIAL AGREEMEN XXXX '' with a XXXX balance. I am not sure why that is since the mortgage was paid off years ago. In addition we are selling our house and looking for a new one and something like this on my XXXX credit report increases the likelihood of me getting a unfavorable mortgage rate. I kindly request some help so me and my family are not penalized for an error in the credit report.
Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter.
Citizens bank removed funds from my checking account l\this past week without a notice or permission. I need a full investigation right away. i am unable to pay our mortgage with this improper removal. how can you help me ( helpless ).
Date of service XXXX XXXX 2011 SRA file number XXXX amount {$2400.00}. Received a notice from a XXXX XXXX that does not have a legal license to ask for money in the state of Georgia nor did I have a contract with. There 's no recollection for me to have gone to the XXXX XXXX XXXX for treatment and if did I 've always had insurance insurance would have taken care of any bills that I had.
I have a Bank of America Cash Rewards Visa card. Last month I redeemed {$14.00} to make a partial payment on my credit card balance of {$22.00}. When I received this months statement ( XX/XX/XXXX - XX/XX/2019 ) I noted that I was charged a late fee of {$14.00}, the exact amount of the cash awards redemption. I called the bank and was told by two people that I should have read the fine print, which explains ( I was told ) that no matter how much the redemption is, I must pay the minimum balance, ( which was {$25.00} ) or the balance in full if the balance is less than {$25.00}. 
I told the bank representative that if I make no charges the following month, I would have a credit balance. She said that they would refund the balance to me. When I asked how long before I received the credit balance, she told me that they have 90 days to refund the money. Personally, I think the bank is making their own rules regarding this matter. I have other bank cards and have never before run into this problem. What upset me the most, is that I have been a long time customer of the bank, never having a late fee charged previously and they refusing to show any courtesy.
card is charged for the same amount of my payments made to pay off debt. the " return '' charges show up as purchases and capital one will not remove these fraudulent purchases. instead dropped off my account from credit bureau report and sent my account to collections..
XXXX XXXX credit and mortgage companies have submitted multiple credit inquiries on credit file with out consent
In XXXX, I tried logging into Navient.com as I have for many years to pay my bill. When I logged in I got a funny message that states : " We 're sorry.Because of your current account status, we 're unable to process your request online. Please call us so we can assist you. '' Every time I call in to Navient they tell me that my account is currently locked out because I am in Bankruptcy. I explain to the representative that my account has not been in Bankruptcy since the beginning of 2011 when my bankruptcy was finalized and that I have been loging in and paying the loan for the past 5+ years. They always tell me they have no idea how any of this has happened and that they can not accept payment. I then get transferred to the United States representatives who apologize profusely and tell me that its a " glitch in the system '' and they have to fill out a form and send it to there IT department to fix which should take 3-5 business days. Its been over a month that this has been going on, it makes it very difficult for me to monitor my account as well as to retrieve my XXXX form since it must be down loaded online. I would like this issue resolved as I have escalated it numerous times to supervisors who say that it will be fixed in 3-5 days but I am still locked out.