WillisBack/dataset-financial-user-claim huggingface dataset:
A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me unless they were going to continue the investigation of my claim. 

Since I requested a cease of communication, I have been called XXXX this week and asked frivolous questions, while chase has had no intention of reopening my case. Chase should not be allowed to continually harass me for a debt that I do not legally owe.
I have paid this account in full as I thought it would resolve the issue of it reporting on my credit. I looked into this account further and found out that this is not even my account and I tried disputing it but the credit bureaus never even looked into it. There was no dispute verbiage ever placed on my credit report. I want this collection disputed as this collection does NOT belong to me.
I filed a CFPB compliant against XXXX XXXX. They said it isn't them that is misreporting the data. Yes, a foreclosure was started by XXXX XXXX  in XX/XX/XXXX but, the house was short-sold in XX/XX/XXXX and it never foreclosed. Experian is showing in the 24-month payment history a Charge off status XX/XX/XXXX. This is an error. You can see the other 2 bureaus do not report this information. This issue is causing me a mortgage decline because my lender says my house was foreclosed not short sold which is wrong.
Tried Opening a checking account with Chase in XX/XX/2018. I was told that I have been banned from having any accounts with Chase by the loan officer, they gave me no reason as to why I was not allowed to open an account and why I was blacklisted. I have never had any type of accounts with Chase or have ever done business with Chase. The loan officer said my account was flagged in XX/XX/2011 but I was in high school at the time and did not have any history with chase at that time.
Portfolio Recovery attempts to collect a debt that I have no knowledge of. From previous contact with the collector, the address provided on a letter that was supposedly sent to me has never been a resident of mine. Case File XXXX In The Matter of Portfolio Recovery vs CFPB there is lack of documentation and no Lawful verification was done. Therefore, the information is not sufficient to form an opinion as to the truth or accuracy of Portfolio Recovery ' s claim. I request Portfolio Recovery to produce the original signed contract between the original company and I. Also produce a copy of any modifications to those terms agreed to SPECIFICALLY by myself. Please provide proof that Portfolio Recovery owns this debt and a contract showing an agreement between myself and the collecting company. Whereas no relationship exists between Portfolio Recovery and I and whereas I never signed a contract or agreement with Portfolio Recovery, I cite Lack of Privity. The referenced account should be removed from my credit report immediately. The collecting company continues to violate my consumer rights.
I have been fighting for some time since my identity was stolen and now being apart of the Equifax Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet XXXX  and Equifax refuse.
Corelogic Rental Property Solutions er roneously reported a judgment on a search. I have been trying to get in touch with them since  X/XX/2017    and have had no success. Time is of the essence. We can not purchase a co-op until this is removed. I need them to update their and issue a letter ASAP. See attached info.
XXXX XXXX, CA-XXXX XXXX/XXXX/XXXX American Express XXXX, TX XXXX Dear American Express, RE : American Express Plenti Card XXXX Refused to take a Balance Transfer I am member since XXXX and enjoying membership benefit almost 12 years. 
I got a Balance transfers offer by mail date on XXXX XXXX ( Letter Attached ) I called today your call center XXXX on XXXX/XXXX/XXXX at XXXX PST. 
They refused to take a balance transfer and given me XXXX call. I called that number and agent name called XXXX XXXX, He also refused to take a balance transfer. I asked them to transfer for supervisor, he said he not available. 
After that same day XXXX PCT I called XXXX that number agent called XXXX, He also said no balance transfer offer your all card and treated me very unproficinaly. He refused to transfer to supervisor. XXXX not treated me like a real customer and I felt discrimination. he did n't provide service what I needed. 
I loved to do balance transfer and please called me some one responsible person and help me out. 
If need more information contact me on XXXX Thanks. 

XXXX
-XXXX XXXX hired an attorney to handle family chapter XXXX bankruptcy -At that time we hired and instructed our attorney XXXX XXXX to reaffirm our loan with our mortgage. 
-XX/XX/XXXXBankruptcy Court in Colorado finalizes bankruptcy -We continued to receive monthly mortgage statements from PennyMac which we have been making. The statements indicated that the payments were going more to interest than principal. 
-In late XXXX purchased family truck and credit report pulled that our mortgage was a closed account. 
-XX/XX/XXXX Inquired to PennyMac to be connected with the right people to find out why it stated closed account and did not get an answer. 
-Attempted to make contact again a week later with no results. 
-Spoke with attorney, attorney sent additional paperwork to PennyMac regarding BK. PennyMac then said that they never received it. 
-PennyMac never sent me, as the customer, any paperwork stating that the loan was reaffirmed or that more money would go to the interest than principal. 
-As of the last date, issue was still unresolved and have not been able to speak with anybody regarding this. 
-As of current still making monthly mortgage payments.
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company,   XXXX   XXXX  , and  XXXX  financial and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more tha n one occasio n, and neither  XXXX    XXXX   or this bureau has done anything to address the creditors disregard for the federal laws.     I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had  XXXX   XXXX  account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.
On XX/XX/2018 we deposited a substantial check from a County Department, in person, to an employee at a US Bank during business hours. Because we were 11 minutes past their cut-off time the check was marked as deposited in our checking account on XX/XX/18 at XXXX. We called US Bank on XX/XX/XXXX and XXXX and both times were told we could not access our money. On XX/XX/XXXX we also checked with a County Finance Officer and were told the funds had been withdrawn from their account in XXXX XXXX. We also received a letter from US Bank dated XX/XX/18 that stated a hold had been placed our deposit because " we had information that leads us to believe that the check may not be paid ''. The cash was finally made available to us on XX/XX/XXXX. We had no prior knowledge of the bank 's cut-off time or that the amount of the check would require a longer check hold. We understood that a government check should be processed in a day. We've had an account with US Bank for over 30 years and never had a problem so we were very disappointed with this transaction.
Why would I have to pay almost XXXX} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
I made a {$400.00} loan payment on XX/XX/18 as of XX/XX/18 it ad not been posted to my account. I contacted Navient and gave them my account number XXXX and the confirmation of the payment XXXX. They placed me on hold for 7 minutes then came back and said that all the account information was correct but had 2 different account numbers listed and they couldn't explain why. After another 11 minute hold they told me that the payment was just not processed after it was received. I was told that my payment was sitting in a holding account and just wasn't applied to my account.
Client and XXXX XXXX XXXX satisfied debt per agreement and Debt Collection Company was supposed to file Satisfaction of Lien with court but never did. They told me ( client 's attorney ) over the phone that they did send the sanctification of lien into the court but that was not true. They later told me over the phone was not true.
I purchased a XXXX Buick Rainer on XXXX XXXX, XXXX. The amount financed for the Vehicle was {$16000.00}. Since XXXX XXXX, XXXX, I have been paying the sum of {$440.00} every month. To date, I have paid {$15000.00} and have been inform that I still owe {$10000.00} on the Vehicle. Since I got the Vehicle, I have been experiencing serious problem involving periodic repairs. This has been going on until recently, the Vehicle has broken down. The repair bill is over {$4000.00}, which I do n't have. I have tried to solicit help from the loan company, Exeter Finance, but they have flatly refuse to even listen to me. I asked for them to refinance the vehicle, but they told me to go to other Loan Institutions as they do not finance their own loan. I am writing this complaint to inquire as to what steps are available to solve this problem. I casn not continue to pay for a vehicle that I am not using. It is apparent that during the course of this loan, I have only been paying interest, and little or no principle. Please advise on how I can get help in this situation. Thanks for your anticipated help.
I contacted Ocwen Loan Servicing, XX/XX/2017. The representative told me the system will not allow Ocwen representatives access the pretender lender loan servicers account, and that Ocwen litigation lawyers are the only ones who have access, and the XXXX lawyers will contact me within 24 hours, between XXXX and XXXX, XX/XX/2017. I can not believe all the years of Ocwen Loan Servicing getting away w/ harassing me, committing fraud against me, playing games with me, using its cozy relationship w/ XXXX, using fraudulent trustee sales as a weapon leaving me with no choice other then to sign a increased none negotiable pretender lender loan servicer loan modification to save my home from XXXX fraudulent trustee sale. I do not owe Ocwen Loan Servicing XXXX a single penny, Ocwen owes me a refund for paying on fraudulent loan modifications to avoid fraudulent trustee sales during the time I was XXXX with XXXX. Ocwen needs to reimburse me XXXX of dollars for incompetent lawyers fees. My health has greatly improved and now Ocwen and its XXXX lawyers must be brought to justice.
XXXX XXXX Hospital is the original creditor. I went to XXXX XXXX Hospital and was told at check-in that only a co-pay would be charged to me for any services rendered. I was admitted and discharged an hour or so later. XXXX XXXX Hospital then submitted an egregious bill consisting of fraudulent charges. My insurance, XXXX of Illinois, paid much of this bill directly to XXXX XXXX Hospital. Then XXXX XXXX Hospital sent me a bill for an additional {$1500.00}. I promptly called the hospital to dispute both bills as fraudulent and requested a breakdown of services rendered and associated costs, and emphasized that I had not consented to receive any particular services and was never informed of any costs other than the co-pay which I had been assured by the hospital was all that would be charged to me. A breakdown of services rendered and costs was never sent to me. Instead, the account was immediately sent to a collection company. The account is now with Syndicated Office Systems, per my credit report. XXXX XXXX Hospital has been paid in full - and then some - by my insurance company, XXXX of Illinois. The additional amount of {$1500.00} being charged to me individually and attempted to be collected is fraudulent. I do not know if the error is one of duplication of charges, inclusion of charges for services not rendered, general over-billing, or some combination of billing errors. I request full review of services rendered and charges assessed, the failure of the hospital to obtain my consent to receive any particular services at an additional cost to me, and the legitimacy of the {$1500.00} bill being charged individually to me.
I receive calls from Portfolio Recovery LLC trying to collect a debt that is not mine for a XXXX XXXX card which they said I opened in 2009 ( When I was XXXX and not in XXXX! ) I told them it is not mine and they refuse to send paper letters. This is not even listed on my credit report. It is obviously a scam.
My private student loan from XXXX University XXXX XXXX XXXX was serviced by XXXX for over 10 years. It was recently was sold to XXXX and now XXXX XXXX. I noticed that when the servicing was transferred my student loan payments began increasing despite making on time payments for 10 plus years. The principal balance is about $ 60K. I went from paying ~ {$700.00} per month to now, I looked at my XXXX account and the monthly balance due is now {$800.00}. I have noticed that the interest rate keeps climbing significantly and I am not sure why. When XXXX serviced my account the interest rate did not fluctuate and if it did, it was very minor. Now every month, I am asked to pay more and more despite the fact that the principal balance is shrinking. I want to know why all of sudden the interest rate is fluctuating so much. Is there a limit to how much interest can be charged? Also, XXXX has not uploaded my 10 plus years of payment history to my account. There are no records in this regard. 

I would like my payment history added to my account and an explanation as to why my interest rate keeps climbing. The interest rate is now 5.77 % and when XXXX serviced the loan, it was under 5 %, probably around 3-4 %. I would also like my due date extended giving these outstanding issues. I have been paying my student loans for over 10 years ( on time! ) and since XXXX took over and now XXXX my payments are increasing rather than decreasing. I find this very suspect. There is also no pay off statement which I thought was required by law. Please investigate. I have also lodged my complaint with XXXX.
I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.
My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,
REFERENCE NUMBER : claim number : XXXX XXXX attention : XXXX XXXX OF CHASE BANK XXXX XXXX {$2000.00} CLAIM XXXX XXXX XXXX XXXX STOLE {$3500.00} FROM MY CLIENT XXXX , her husband XXXX and their Manager XXXX XXXX . 

THE PICTURES THAT CHASE WERE SENT FROM XXXX ( proving service delivery ) ARE OF XXXX. THEY DO NOT HAVE ANYTHING TO DO WITH THIS REBUTTAL. THAT IS NOT THE SERVICES I am disputing. I Worked as a XXXX with XXXX in a SEPARATE ISSUE. XXXX sent CHASE BANK FRAUDULENT PICTURES from a completely SEPARATE ISSUE IN ORDER TO GET THE FUNDS BACK AND I PROVED THIS TO CHASE. 

I DEPOSITED A CHECK FOR {$3500.00} INTO MY BANK ACCOUNT IN XXXX XXXX FROM MY CLIENTS XXXX AND XXXX OF XXXX WITH THIER MANAGER XXXX XXXX PRESENT. OUT OF THE {$3500.00} I PAID A THIRD PARTY XXXX XXXX XXXX {$2000.00} TO DELIVER SERVICES TO MY CLIENTS FOR XXXX. XXXX, XXXX, XXXX XXXX XXXX. 

XXXX WAS SUPPOSE TO DELIVER SERVICES THAT WOULD HAVE AMOUNTED TO {$2000.00} which entailed XXXX, XXXX, XXXX, AND AN XXXX 60 DAYS. 

THE OTHER {$1500.00} WAS KEPT BY XXXX XXXX. Client XXXX and XXXX from XXXX wrote XXXX a check for {$3500.00} deposited into XXXX XXXX account at Chase. {$2000.00} went to XXXX for a WRITE UP in XXXX XXXX and for the clients music to go on XXXX, XXXX and XXXX across the nation. My client had just recorded a song with XXXX XXXX. 

THE CLIENT XXXX XXXX WAS A CLIENT OF XXXX XXXX XXXX XXXX. XXXX XXXX CASHED THE CHECK OF {$3500.00} IN HER CHASE ACCOUNT AND GAVE XXXX A XXXX PAYMENT OF {$2000.00}. XXXX NEVER DELIVERED THE SERVICES AND THE CLIENT XXXX ASKED FOR A REFUND FROM XXXX AND FROM XXXX FOR NON RECEIPT OF SERVICES. XXXX AGREED TO GIVE A REFUND To the client since 60 days had passed and no services were given. XXXX promised the client to return the entired {$3500.00} by the end of XXXX XXXX in WRITING via email. XXXX never gave the refund so the client asked me to take back the {$2000.00} I put in a claim with Chase. Chase is the most unprofessional dishonorable bank I have ever dealt with. This has been a nightmare. 

XXXX submitted fraudalent paper work to the bank/pictures from a completeley seperate transaction as PROOF for this transaction! I proved to chase that what she submitted was a lie as you will see in the following uploads. 

SINCE THEN XXXX HAS GOTTEN BACK {$2000.00} FROM XXXX CHASE ACCOUNT. In addition she SENT THE CLIENT A BOUNCED CHECK FROM A XXXX XXXX ACCOUNT. She robbed me and my clients completley. 

Chase Bank allowed XXXX to send them EMAILES, TEXT MESSAGES AND XXXX. WHEN I SUBMITTED MY DOCUMENTATION Which was much more comprehensive with proof and letters and front and back of checks along with XXXX stating she would give back the funds, THE BANK REFUSED them and told me I ca n't send emails and text messages! ( mind you they allowed her to send hers ) You will see docs for what I mean. They did an " I can, You ca n't '' behavior model. 

PLEASE FEEL FREE TO CONTACT XXXX AND XXXX FOR PROOF THAT XXXX DID NOT GIVE THE SERVICES. ALL DOCUMENTATION XXXX SENT TO YOU IS FRAUDULENT. 

XXXX XXXX : XXXX XXXX XXXX FOR PROOF : XXXX REFERENCE NUMBER : claim number : XXXX XXXX attention : XXXX XXXX XXXX XXXX {$2000.00} CLAIM
This is a follow up to a complaint filed at the end of 2016, claim # XXXX. I have tried for about 9 monthsto get in contact with the BB & T 's Senior Vice President Complaint Resolution Manager XXXX XXXX XXXX. I received a standard letter after filing the complaint with the CFPB in XXXX 2016. I received it early last year. I sent a letter and called his office using the contact information on the token response letter. I was trying to get a specific explanation about my problem instead of form letter. I am not quite sure what action to take next. Your guidance in this situation would be greatly appreciated. 

XXXX XXXX XXXX
My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the XXXX XXXX on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I also am complaining that the balance should be made XXXX balance as I never asked for a credit line increase the company just added it to my account. I feel this is illegal because they did it so they could get more money from me and others.
My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. XXXX XXXX with XXXX is 6 yr. 1 mo-Trans 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -Trans is 7 %. Hard Inquiries XXXX  is 1-Trans 3. Total accounts XXXX is 33-Trans is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX  is XXXX and Trans is XXXX. 

I hope you can help me with this. 

Thank you, XXXX
I believe Equifax is in error regarding their completed Investigation of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the hard pull inquiries are valid or not. The dispute centers on the CRA 's ( Equifax 's ) right to REPORT the hard pull inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the hard pull inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the hard pull inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified hard pull inquiries MUST BE DELETED from my Credit Report file.
My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines.
I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.