WillisBack/dataset-financial-user-claim huggingface dataset:
I am again responding to JP Morgan Chase recent response to my request to have a question answered through the CFPB. I have already worked with over 24 of your representatives who knew nothing, had no idea of anything, nothing in the file, etc. Your recent assignments of more than 8 members of your legal team ( I assuming they are legal ) as they have managed to manufacture a response than 24 of their people had no answer to. No surprise there, I expected them to manufacture and provide 'answers'/'response ' to questions I did not ask. Oh, and I see I have another 'new one ' that will regurgitate the same fraudulent response as the others. Let me state my question again, since I guess I was not clear enough. 
*Did JP Morgan Chase while giving out verbal mortgages provide compensation in the form of commission to members of their mortgage dept. staff in the number of homes they could foreclose on? 
*Was this authorized by a department head, the CEO, or was this just 'rogue ' employees receiving and paying themselves commission for each home foreclosed on? 
*How many people lost their homes because of this action? 
*You see, giving out a verbal mortgage, and creating staff incentives for each foreclosure makes for a XXXX of an incentive to 'lose files ' not to be able to receive all documents on a timely basis, and so on. 
JP MorganChase, all I want from you to is to verify that this was common practice in your department, not the garbage response that you keep sending to me. 'XXXX.
Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.
I received a letter from XXXX & XXXX, XXXX. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXX XXXX, XXXX to collect a debt I owe, {$1800.00} to Citibank, N.A.. To the best of my recollection I do not owe anything to Citibank . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to Citibank but I do believe that something smells rotten here. Please help, thank you.
I received a notice from XXXX XXXX increasing my Credit Card APR for not making a payment for the last 60 days. I was also reported to the credit bureau 60 days late. I have spotless credit and have worked hard to keep it that way. I just refinanced my auto loan with Bank of America. I need you to look into the matter concerning the recurring bill pay for XX/XX/XXXX that was not paid and the payment in XX/XX/XXXX that was cancelled ( not by me ). Please provide me and XXXX XXXX and explanation and kindly request to XXXX bank they remove the 60 days late as this was not my fault but a glitch in your system.
First, We have yet to receive our XX/XX/XXXX Settlement from CFPB!!!!!!!!!! 
XXXX XXXX XXXX, XXXX  ... WHAT MORE CAN I SAY! 
This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ...  EVEN after our XXXX   Agent talked on the Phone to XXXX XXXX, changed the necessary Policy requirements per XXXX XXXX, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet XXXX XXXX continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed XXXX XXXX 's Records for a Small Claims Case XX/XX/XXXX. We LOST  THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX because my 1st XXXX  Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State & Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XX/XX/XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!
Telephoned the collection agency in XX/XX/2018 and disputed the debt. Did not accept that I do not owe this debt. Have no idea why they are charging me and now it is on my credit reports.Just mailed out a certified letter asking for them to show me proof of the charges
A year ago   XXXX   I applied through   XXXX   XXXX   XXXX   for a bed after graduating college synchrony bank  finance  to me at a promotional interest rate that I never knew was going to increase I started noticing that my balance never got any lower I never purchased anything after that I called and found out that my interest rate was almost 30 % I spoke with a customer service rep and then a supervisor and was told it 's not going to change there is no way I would have financed through this bank if I had known that the interest rate was going to be so high
my XXXX score is XXXX according to XXXX XXXX. This score is based on no missed payments- green, recent cc useage - green and ratio of balance to limit on revolving accoungs is too high -- RED. However when I go to Credit Utilization below, my score is 27 % which is green. And when I look further it shows that anything under 30 % is green. So.... how can my key factors be both red in XXXX spot and green in another. Thus my score should be higher. XXXX XXXX ***********
I made a deposit for XXXX to wells Fargo on the XXXX of XXXX. They told me there would be a hold until the XXXX. On the XXXX talking a my customer who wrote the check he said they, had already taken the funds from him. I went to the branch and explained and, l they said there was nothing they could do. They are holding people 's money t, use it for their interests. I would like to know if I have any recourse?
To whom it may concern ; As of yesterday ( XXXX XXXX & today XXXX XXXX, XXXX ), I was notified via my Experian credit monitoring that ( XXXX ) inquiries were pulled against my credit report. The following are the companies that pulled them ; XXXX - XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX, XXXX - XXXX ( Credit card ) First off, I have called and spoken with both vendor 's concerning these inquiries. With regard to XXXX, I spoke with ( 3 ) different people in different departments and the common theme of all of them was that they do not see that an inquiry was pulled. They did confirm that a soft inquiry was pulled yesterday XXXX XXXX, but stated they were " positive '' that a hard inquiry was not requested. This is obviously a fraudulent inquiry to which I want disputed as such. 

With regard to XXXX, they stated that they can not remove the inquiry because it was initiated online. I was told by their department that if it was done over the phone versus online, that they could have removed it accordingly. This of course makes no sense to me. I would in turn like to dispute this as a fraudulent inquiry as well. 

To say that I have had a lot of difficulties with XXXX over the past month is an understatement to the degree that as of this morning I also filed a CFPB complaint against them for the number of inquiries and the apparent fraudulent activity on my account. 

Please feel free to contact me with any questions or concerns or if there is anything that I can do to better help expedite my request. I can be reached at XXXX absolutely anytime. 

regards, XXXX XXXX XXXX Credit file # : XXXX DOB : XXXX/XXXX/XXXX
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/2015. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/2015 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in ( I sent in an additional request on XXXX/XXXX/15 ). I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
This is my second complaint against Equifax for doing the exact same thing twice. The first time I complained to the cfpb about them retaliating against me for complaining to them and fileing a dispute against a collection agency. The first time Equifax dropped my credit score by XXXX points because I dared question Equifax about their business practices and I felt they were retaliating against me for questioning them. On XX/XX/2018 I filed a dispute against the same creditor. On XX/XX/2018 my credit score dropped by XXXX points again. I know Equifax will make up some excuse for doing this to me again. But it has become very clear that " Retaliation '' seems to be a common practice at Equifax. There is no reason for my credit score to drop XXXX points again when in all actuality my credit score should be improving and the other two credit reporting agencies both show my credit score improving. I have printed copies of my credit score from the other two agencies and they both show my score going up by XXXX points, only Equifax shows my score going down by XXXX points. Equifax who has alot of control over peoples finances should not be allowed to ruin peoples lives financially, especially when they are doing it in retalliation.
Midland Credit Management has continued to make collection efforts on a debt they can not reasonably prove I owe. I have informed the company the gift was never received by the recipient and I was expecting a refund. The company then replied with notes provided by the original creditor. There was no proof of delivery provided. 

Additionally, Midland Credit Management has re-aged the account and is intentionally reporting the account is newer than what it actually is. This is a direct violation of the FCRA AND FDCPA. 

The company is billing me for items I ordered but never received. Further, the company is damaging my credit for items I never received and that they can not prove were received by anyone.
My personal data was leaked from the most recent security breach at Equifax. Equifax has not been able to submit an annual free credit report online ; has not been able to place a fraud alert nor has it been able to freeze my credit report. Transunion charged my {$10.00} for freezing my report. XXXX  and XXXX have not been able to freeze my report or place a fraud alert on it. This took several hours of fruitless work with immense frustration and looming negative effects on my credit scores and ability to leverage my well deserved good credit scores.
I had items removed from my credit report and reinserted without notification. These were items that i previously disputed. I also disputed inquiries that were removed and reinserted. They also removed collections and then put them back under accounts and then added them to collections again
I have been receiving harassing, threatening and XXXX threats telephone calls from Credit Adjustments , Inc. representatives in regards to an account and debt of {$440.00} that I do not owe. The debt do not belong to me. I am a victim of identity theft.
There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX {$71.00}
I paid XXXX XXXX XXXX directly and by law, they must recall the account from Receivables Performamce. Therefore, Receivables Performance has no legal reason to be reporting on my credit reports and must delete.
This is a complaint against XXXX XXXX XXXX XXXX XXXX Regarding a so called debt which I am not aware of from 2008 the original creditors XXXX XXXX XXXX XXXX from The above co obtained a judgment the XXXX XXXX court. I did not receive any communication from any of these people, now they are writing a letter stating that I owe {$840000.00} these people buy debts pennies on the dollar I am not aware of any such debt. and they are trying to collect a false debt from 2008 the statue of limitation for any civil law is 6 years this is way past the time and I do not owe any one such a debt. the above law office is intimidating and harassing me under the guise of law firm or a debt collector I want this people to stop the letter d of intimidation and harassment
I purchased a vehicle in XX/XX/2018 and then again in XX/XX/2018 and the dealership was informed and requested to only run my credit once, and they, without permission ran my credit more than 10 times each time. I have received a letter from the dealership stating they did not have the permission to run my credit and they would have them removed from my report, but that has not happened. I contacted the credit bureaus and they had me write a letter stating the problems, and they have since refused to remove these inquiries off of my credit report even though it has been considered fraudulent activity and was not authorized.
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
I received an email yesterday about purchases made on the XXXX and the XXXX of XXXX about fraudulent charges on my credit card. I called Discover and they went over what charges occurred, and said I had XXXX liability but I should file a report.
Overview : - Opened a new Checking Account with CitizensBank for Mortgage purposes. CitizensBank had a " Get Paid {$200.00} '' promotion when you open a new checking account with them. 

Promotion parameters : - Open first, new One Deposit Checking from Citizens Bank online between XX/XX/2018 to XX/XX/2018. 
- Make a {$500.00} deposit or more within 60 days of opening. 

What I did : - Clicked through their promotion portal. 
- Opened One Deposit Checking account with CitizensBank using their promotional portal on XX/XX/2018. ( I will include the {$200.00} promotion screenshot when applicable ) - Made a direct deposit within 60 days of opening account and according to my bank statement the first direct deposit of {$560.00} went in on XX/XX/2018 and then another direct deposit of the same amount on XX/XX/2018. 

Waited over 60 days and did not see CitizensBank deposit the  {$200.00} in my checking account. On XX/XX/2018 using the support number provided on the promotion page I called their support ( XXXX ). The support agent I talked to seemed very puzzled, and had me on hold for about 15 minutes collectively as she went to find information on the promotion.I told her at one point that I had the promotion saved and in front of me and if she would want it forwarded to her. She said no and that she was put me on with her supervisor XXXX. XXXX explained to me that they couldn't find the promotion and that they would create a case and forward it to " their '' research department. I also informed XXXX I have the promotion screenshot. She asks me to please forward the screenshots to XXXX. She gives me the case #. I include the case # with the screenshots and was able to verify that she received it on her end. She ends the call telling me a person from the research department should reach out to me within 1 to 2 business days. They did not call me back until XX/XX/2018. And when they did call back the person on the phone only called me to inform me that they could not find the promotion I was talking about. She also made a comment about a promotional code should have been provided to me when the process started, but I remember clearly that I did not see a code presented what so ever in the process. And if there was one, and if it was indeed important to setting up this checking account with CitizensBank I would have made note of it. So I asked her what will happens next? She basically said in a nice way that there is nothing to pursue and that no one was at fault. Needless to say I was not happy with that response. 


They were not willing to make this right and I feel scammed.
XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the first ( XX/XX/XXXX) of each month, and considered late on the sixth ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within XXXX ( XXXX ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.
I have complained to the manager and owner of Tower Loan concerning the Loan obtained, APR of 22 % +. overcharged fees, harassing phone calls during work hours and at my place of employment, but received a negative response. I was also threatened to be taken to court for a {$18.00} late fee. I presented the payment of {$82.00} on XXXX/XXXX/16. The manager refused to accept the payment because I told her I could not pay the {$18.00} late fee. I told her to charge it to the next payment. She said she could not do that. I presented the check again and mentioned to her that I had just made an over payment of {$320.00} on the other account in an effort to pay them off early. She said that did not matter she was going to file legal papers for the late fee and that I would be responsible for court and attorney cost. I told her I did n't think so and to proceed. I have written XXXX posted dated checks of {$320.00} to be taken out of my second paycheck check to pay of their loan balance of {$1000.00}.
THIS ACCOUNT WAS PAID IN FULL IN XX/XX/2017 AND MR. COOPER FILED A RESCISSION OF SATISFACTION MEANING THEY CANCELLED THE SATISFACTION. I NEED THE SATISFACTION RECORDED AND A LETTER STATING THE ACCOUNT WAS PAID IN FULL. rescission means the revocation, cancellation, or repeal of a law, order, or agreement.