WillisBack/dataset-financial-user-claim huggingface dataset:
Back in early  XXXX  I moved to a different area and had  XXXX   XXXX . When I found out  XXXX  could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a  XXXX  representative that confirmed the same. About  six months down the road   XXXX  with  XXXX  {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In  XXXX  I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early  XXXX ,  XXXX  had sent that balance of {$850.00} to a credit reporting agency, dropping my  credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?
On XX/XX/XXXX, 2017 I sent XXXX XXXX XXXX a debt validation letter that they have ignored. It is my right per the FDCPA to ask for certain proof of documents and they have not, because they CAN NOT. I then sent them a HIPPA letter, and they have removed one of the three accounts. They are violating my rights under the FDCPA because they are refusing to validate these bills!
after getting on XXXX I seen that my score had drop due to hard inquiries. when i had n't given permission for my credit to be ran.
I had a account with jcp And belk in the past but has since obtain new accounts. I need the old accounts taken off.thanksXXXX
XXXX XXXX XXXX XXXX XXXX and Transunion for {$530.00} form XXXX XXXX XXXX on XXXX XXXX,2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible
I had to XXXX from duty station to another. I submitted my signed orders ( which by law should have taken me out of my lease ) to XXXX XXXX. The property manager continued to charge me rent and charged me other fees as well. They did not repay me my security deposit either. Instead, they sold a fraudulent debt to a shady collection agency, namely Carter-Young.
XXXX XXXX sold an collection account to XXXX XXXX with out proper legal documentation. XXXX XXXX   bought this account from XXXX XXXX XXXX and has no original records or proof of this account. 

These two companies have denied me the right to a copy of a signed contract or any proof of who opened this account. Both companies have denied me copies of all accounting of payments and copies of all statements showing on how amount due was calculated. I have sent a notice in XX/XX/XXXX first requesting these documents from both XXXX XXXX and XXXX XXXX and have been denied these documents required by law. It is not XX/XX/XXXX and I have yet to received these documents from either company. They both keep blaming each other and NOT having or providing these documents to me. 

XXXX XXXX does not even have a contact phone number on their correspondences they are mailing and sending to the Consumer Financial Protection Bureau how is this a responsible upstanding company? They sold this account fraudulently to XXXX XXXX with out due process, research and documentation. 

The reference numbers below show and prove that I have requested this from XXXX previously and they did not provide the documents requested according to FDCPA laws and guidelines XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Ending In XXXX Ref No. : XXXX Ref No. : XXXX
Beginning prior to  XXXX / XXXX / XXXX , I 've been writing and Disputing Ocwen Loan Servicing, LLC, regarding numerous descriptions of charges on my Payoff Quotes. I 've included sever al Payoff Q uotes for you to examine and review to make sense of any of them.     The most recent PAYOFF QUOTE valid through  XXXX / XXXX / XXXX  includes {$5600.00} for interest due, {$2900.00} for escrow advances, {$67.00} for property inspection fee, {$110.00} for Projected Property Valuations Exp, {$120.00} for a BPO and so on.     Eac  h Payoff Quote differs.
I dispute all of the above amounts and for each year Ocwen made an Insurance payment on our behalf, they were charging us twice the amount of the policy, as the policy is   written for  XXXX  homes ;  XXXX  &  XXXX   XXXX   XXXX   XXXX , not  XXXX  ;  XXXX   XXXX   XXXX  paying the total.     This property is slated to close  XXXX / XXXX / XXXX  and I wish to have a correct Payoff Quote forwarded to  XXXX   XXXX  and myself, to ensure I will not be forced to over-pay my mortgage to provide Clear Title to the Buyers of  XXXX   XXXX   XXXX   XXXX .
This information is all errors : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX
In XX/XX/2017, Chase suddenly closed all of my credit card accounts after applying and receiving a new credit card ( My fourth, and I suppose one too many ). At  the same time on XX/XX/2017 my Chase XXXX XXXX card posted its annual fee of {$450.00} and on XX/XX/XXXX my accounts were all shut down. I subsequently contacted Chase phone support to find out more information about the shut down, which they couldnt tell me more about, and what would happen to my annual fee that posted. Phone support told me I would be refunded my annual fee. A month later, the fee wasnt refunded, and I called again. I was told again to be patient, and it would be refunded. Another 2 months later, I called again and was told to be patient again. Six months after the fee, I called the fourth time, where at that point I was told my entire account history has been erased from Chase and there was no longer any information for my past accounts. 

I was told I should fax a letter to a number, which I did. The response after a month was : We understand that you would like to receive a credit for the annual fee of {$450.00} assessed on the account. Our records show that your credit card account was closed with a XXXX balance. We are unable to credit the annual fee since the account has been inactive for several months and can no longer be accessed. 

Fantastic. 

My next step was to go to Chase XXXX support, which was quite friendly and excited to help me out further. After a month of back and forth writing Chase support they told me I would receive a full refund of my fees of my fees. It would take 6-8 weeks to receive. 

After 2 months I received a cashiers cheque for {$95.00} for an entirely different credit card that has been closed for five years. 

So at this point, Ive been in communication again with Chase support for the last two months, and they tell me they will write me when they have more information. At this point its been over 9 months since this dilemma started, and I frankly dont know what to do anymore. 

Can they just take my money? 

I do not have copies of the statement of my credit card, because Chase made my statements unavailable as soon as they closed my accounts. I only have copies on XXXX where I see the fee and the time my account was closed.
On   XXXX   XXXX  , I Initiated a hardship request because of an unforeseen medical situation.   Expecting that payments may be late or missed for  1  to 3 months or some time between   XXXX   XXXX   and   XXXX   XXXX  .      360  Mortgage,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX ,  (   XXXX  )  XXXX , could not have done anything more to prohibit this request offered by HUD for assistance to lenders for with unforeseen life situations.     The improprieties were : 1. In the email correspondence provided, the loss mitigation specialist  XXXX   XXXX  after numerous requests to contact me by phone to clarify conditions on stipulation list never replied although confirmation emails were sent stating a reply would occur in  72 h ours. Replies never occurred, all contact information was initiated by  XXXX   XXXX .      2.  When speaking with  Cust Service t he gatekeeper for the Loss Mitigation Dept, those reps stated Federal hardship requests are rarely ever approved b y 360  Mortgage because of the guidelines with FHA. Without seeing the documentation or knowing anything re : the request, how can a Customer Service  Rep  make that claim?   3. The  Document Checklist  list for the Hardship Application had  25 d ocument requests, 21 had a box with an " x '' and  4  had a box that was empty. Assuming the " x '' meant required documents, they were sent to  Ms   XXXX  only to find out  one  day before the doc deadline  XX/XX/XXXX  that all docs would be required I furiously gathered a re-faxed docs on   XXXX   XXXX   the date of the deadline, only to find out  360 F ax was down that day.   *Ms.  XXXX   denied  the request and the hardship application was pulled on   XXXX   XXXX      3.  While this Assistance package nightmare process was going on I feverishly tried to keep up the payments, AND DID. While  XXXX  and  XXXX  were late, they were made. 360 reported tot he credit reporting agencies these late payments and now a refinance to go with another lender CAN NOT be attained.     I 've requested  360  mortgage to remove these derogatory items and they have declined for   XX/XX/XXXX   and  XXXX  of  XXXX .     Unfair trade practices, customer intimidation, overloaded loss mitigation and customer service staff, failure to follow federal guidelines for home assistance programs, failure to accept responsibility for electronic document transmission errors and erroneous reporting for extenuating circumstances are just a few of the process flaws that are systemic in the Mortgage  Origination, Servicing  and  Cusotmer Service  with 360 mortgage.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX
I will address this in a simplified format since I've complained about this same issue with the CFPB already. US Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt Executive Department, Consumer Relations Department, and their collections department with no success.
I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXXXXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
I have asked Lending Club on various occasions to refrain from contacting me by telephone, and instead to communicate strictly in writing. Lending Club nonetheless continues to attempt to contact me by phone. Today, in the span of approx imately 15-20  minutes, I received  two  phone calls from  XXXX  different numbers and locations.  One of the p hone numbers ( from a  XXXX   XXXX  area code ) was a Lending Club number. Lending Club did not leave any message.     Lending Club has employed similar tactics in the past, and I have complained to Lending Club about its aggressive phone tactics in the past, among other things. I have also complained, in writing, to Lending Club about other issues in the past and have requested documents of them. To the best of my knowledge, Lending Club never sent me all of the documents that I have requested of them in the past.     I am requesting, once again, that Lending Club refrain from contacting me by telephone, and to cease and desist from contacting me by telephone, or attempting to so contact me, at any time, unless I expressly grant permission in writing ; and otherwise to refrain from engaging in harassing, deceptive, and/or other collection tactics.
In 2016 I requested a loan modification from my lender/servicer Ocwen Mortgage. They indicated that because I had received a modification from my previous lender XXXX XXXX that I was not eligible. I submitted Income information that thoroughly proved that more than 45 % of my income was going to my PITI payment. I went on to ask that at the very least i would welcome for either interest payments to be suspended being that my rate is well above market ( 5 % ) or that principal payments be stopped for the time being and again they denied my request. I have consistently been more than 80 days past due, but under 90 in order to avoid foreclosure and I feel like they are just waiting for me to bury myself. I have been in this home for over 18 years. PLEASE help ME!!!! XXXX XXXX XXXX or XXXX
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Bank Of America. They refuse to provide the necessary information based on above mentioned letter.
My daughter was sued by a law firm representing XXXX. We hired an attorney, and 10 days before the four separate filed suits were to go to trial, XXXX 's lawyers non-suited them. There were statute of limitation issues and I am doubtful that XXXX could prove that they had a right to sue since they probably could not prove that they owned the loans. 

Now, XXXX has sent at least some of these loans to XXXX XXXX, XXXX, and they are actively attempting to collect. I personally received a phone call today, XX/XX/XXXX2017, from XXXX XXXX. They are also bothering my daughter. 

I thought this was the case : " The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX , XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all 800,000 student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. '' Seems to me that XXXX is already in violation of the CFPB order. Have they completed the independent audit?
XXXX XXXX XXXX  claims that I owe them for leasing an apartment or home. I have never leased an apartment with those people. I have lived at home address for 25 years and just moved to a condo. This account was opened fraudulently and I have already filed a police report over a year ago. I submitted the police report to all 3 bureaus and XXXX and XXXX have already removed the fraudulent account. For some reason no matter how many times I speak with someone and dispute the item and send in my police report Equifax does not want to remove it. They told me based on the info the creditor gave them they have verified that the item belongs to me which is totally UNTRUE and UNFAIR. This particular debt is ruining my life my signature was forged on the lease and they are making me suffer. I recently disputed it again and I was told 3 days later the dispute was completed and it will remain on my credit report how can they investigate in 3 days? This is insane!! These people can not prove that I lived in an apartment it is not tied to anything else on my credit file. I did everything I was supposed to do now Equifax needs to remove this item I am tired of dealing with this and plan on taking legal action very soon.
XXXX  has been non-compliant with removing the unverified account STATES RECOVERY SYSTEMS INC which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATES RECOVERY SYSTEMS INC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have filed a dispute many times conconcering fraud on my credit report. I recently filed a police report concerning the fraud items   XXXX   and  XXXX  removed the items and block the company from adding it back to my credit report. Equifa x staff  members refuse to remove the items, continue to contact the creditor stating I must resolve it with this company, this creditor has tried to get me to send them a copy of personal information so they can establish proof of my SS and ID, this has damage my credit and ability in many areas of my life. It is outrageous Equifax is allowed to do this
To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX  services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX  I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. 

Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). 

This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. 

I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX
In XXXX I opened an account with Chase Bank for Direct Deposit of employment. This account was always in good standing since the day it was open. As of XX/XX/XXXX my account was locked due to fraudulent activity that was not authorized by me. An amount over {$2000.00} was fraudulently transferred into my Checking Account at the time with Chase Bank. On the same day of this activity, I called Chase Bank and spoke with a Teller whom asked me a few questions about my account and why I had this amount in my account. The teller I spoke with gave me a hard time, but  eventually he helped me. After my account was closed, I received a statement in the mail from Chase Bank to make a payment of {$240.00} due to the fraudulent activity that was done on my checking account. When I called back to speak with Chase about why I was responsible for paying an amount of something that I was not at fault for, they simply told me that I should have not lost my card. In the year XXXX, I went to visit a Chase Bank and tried to open my account again, but due to it being closed they told me they would no longer do Business with me anymore. When asking why, they simply said they could not disclose that information. No one would help me to understand why I was responsible for paying {$240.00} and why I could no longer open an account with them. Years later after changing jobs in XXXX I tried again and they told me that same thing and even said the same over the phone. In XXXX I attempted to go into the Chase Bank Branch to get more information on how I could open an account with them again, and they said the same thing. They would not do Business with me anymore and they not disclose any information with me. As of now, I would like to open an account with chase but due to this hold on my credit or name for which I am not at fault for, I can not start the business that I would like to start as well as building my credit. I'm a XXXX  as well as an employee whom is looking to have her own Business, but I can not do this if Chase Bank is going to be in the background of my credit. Purchase a car, a house but I just would like to have this cleared off of my credit or is possible my name. My future is everything and if my credit is affected by this, what can I do? No one should have to ever go through this with any bank.
I received a personal offer from my VP at my company to apply for the Rose Gold American Express card. This promotion included XXXX points when spending {$3000.00} within the first 3 months. I applied for the card and was approved immediately on my mobile phone. I received the card on XX/XX/XXXX. 

A few months later, I had spent well over the required amount to receive the XXXX bonus points, but I did not see them in my account. I called and spoke to a representative who said : " Of course you will receive your points, it just takes time. They will hit your account on XX/XX/XXXX. The confirmation number is XXXX. '' This did not happen. I called and learned that this confirmation number didn't mean anything and could not be looked up. A representative told me that because I had cancelled a XXXX card in XX/XX/XXXX, I was no longer eligible for the bonus. In XX/XX/XXXX I relocated from a city that was a XXXX hub to XXXX ( which is not a hub ), and therefore no longer needed the card. This was 7 years ago, and at no point was I notified that I would not get this bonus when I applied for the card or when I was spending the high limit. 

I believe this is fraudulent advertising on the promotion and application, and that American Express is scraping up old, irrelevant history on my account to get out of delivering the bonus. I am also a current holder of an American Express Corporate card, so I am not a single card holder and am not consistently applying for cards just to get the bonus.