WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with Chase 's resolution department about a message I received today XXXX2017, and the first female I spoke to did not seem to understand why I was called ( I  assumed a language barrier/spoke broken XXXX ). The second female rudely told me the call took place on the XXXX. I received the voicemail today, and my cell notes it was received today XXXX17. She said my dispute had been closed. They did not dispute anything! To date, I have called XXXX 3 times. XXXX ( XXXX XXXX, SC - Store Manager XXXX ) remembers my previous call with her about a week and ago. She thought the first charge of XXXX ( XXXX XXXX ) had been charged back. The second charge was a XXXX different XXXX ( XXXX XXXX ). The female in the Chase resolution department told me it was my fault the dispute was closed. Supposedly a letter was mailed to me a month ago, but I did not get it. One was sent a week ago, and has not yet arrived. If I knew this had to be in writing, I would have done it the first day. Chase does not handle disputes like any other credit card. If I have detailed the issues on-line, I should not have to do it again in a letter. I certainly should not have to speak with someone who refused to reopen the dispute, but would happily transfer me to cancel/close my card. This is despicable service. I can tell Chase does not value my business. The only charges from XXXX were made on XXXX XXXX and charged on the XXXX. I was told XXXX was the total for some brackets which would be mailed to me. On XXXX XXXX, I got an e-mail saying they were on their way, but that they were XXXX. When I looked at my statement, I had been billed twice. I have called XXXX 3 times, left a message for XXXX, and spoke 2x with XXXX. Chase has done nothing! This is an unauthorized charge. I should not be charged additional charges by vendors, alert Chase, and then have Chase refuse to dispute the charge. I am also filing a complaint tonight with the Consumer Financial Protection Bureau. Chase has refused to follow-up on this dispute. Chase have been negligent in handling this issue. The female who refused to transfer me to someone who would assist me, and would only transfer me to someone who would cancel my card was not only negligent, lacked any trace of customer service, but she should not be working in any customer service profession.
My wallet was stolen with my ID, Social Security Card and debit/credit cards. They took a lot of money from my accounts including my bank account on XX/XX/18 for the amount of {$2000.00}!
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it. 
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back. 
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.
In XXXX of this year I applied for the IBR and had not revived a response on approval. I was offered forbearance and felt forced to take it as a result of not being able to get a hold of Navient. Despite harrassment almost every other day with them filling up my inbox they never called or sent a physical letter until last week threatening action with wage garnishment or tax penalty and so on. I did attempt to reply to the email and it was not responded to. This has effected my credit score drastically and it's become damaging to the point where it is impossible for me to rebound back from. I have never had an issue before and I was always able to renew my IBR yearly. I was told I needed spousal signature but we never able to log in. Either times it was submitted. Evn after I have gotten a ton of emails saying I owe more and more.
On XXXX XXXX 2015 I successfully refinanced my Auto loan from Exeter Finance Corp to a XXXX XXXX XXXX. On XXXX XXXX 2015 they ( Exeter ) 'cleared ' that there was an overage amount of {$490.00} that was due to me. Exeter stated that it would take 30-45 days for the overage check to be issued and sent to me. Exeter stated that on XXXX XXXX they had sent the overage check. After a period of approximately 7-10 business days, I had still not received the check. This is a beyond reasonable time frame for standard ground mail to travel from XXXX, XXXX ( Exeter 's location ) to XXXX, XXXX ( my location ). I made contact with Exeter on XXXX XXXX 2015 and stated that I had been more than patient in waiting for my money and arranged for the previous check to have a 'stop-payment ' issued in order for Exeter to issue me an ACH/Direct Deposit of the funds directly to my bank account. I called again on the XXXX, then the XXXX to check on the status and see if my direct deposit had been issued. Exeter stated they were still waiting on the bank to verify they could 'stop payment ' of the initial paper check. I continued to wait and then called again on the XXXX of XXXX to check the status of the direct deposit. Much to my shock and irritation, they still had no new information to give me. I called again on the XXXX of XXXX to try and illicit a response regarding this issue. Exeter informed me that a second paper-check was mailed out on the XXXX, despite what we had agreed upon and specifically noted on my account on XXXX XXXX. I continued to wait and on XXXX XXXX I called again very frustrated that I had still not received either the initial check which had a stop payment issued nor the second check which was sent on XXXX XXXX. I was blown off with a response that said there was nothing they could do once the check was mailed and that it would ( again ) take 7-10 days for the check to arrive. It is now XXXX XXXX, over 2 months since I paid the account in full and have still not received my money.
Someone using Bank of America Credit Card Services signed up for E-Statements using my Email address instead of theirs. 

I contacted Bank of America by phone and email several times to alert them to the obvious privacy issues. The instead treated me like a criminal and no corrective actions were taken. 

I am still receiving someone else 's E-Statements. There is no unsubscribe link. 

If someone was getting my E-Statements they alerted my bank to this blatant issue, I would hope that my bank would try to correct this.
Due to the butched up involvement of this very institution, after I HAD DENIED A CHARGE OF INSTANT CASH WITHRAWAL, Citybank had failed to remove that charge from my bill so I had asked this institution to UPHOLD FEDERAL LAWS OF A DISPUTED CREDIT TRANSACTION!! This institution failed to assist in complying with federal credit laws!! 

Now, Citybank had claimed to close the disputed account, and WITHOUT ANY APPROVAL they opened a second and a third account ADDING THE DISPUTED INSTANT CASH WITHRAWAL TO THE NEW ACCOUNTS, completely without my approval at all!! When contacted Citybank, they claimed that the accounts WERE OPENED BY THE XXXX IN XXXX, their security division. This is became a nightmare by a RUGE BANK who disseminates credit and personal information to a FOREIGN COUNTRY which has no duty to comply with US LAWS and able to do anything with the information of a US customer, citizen, without any recourse by the very citizen.

I demand US Attorney General to review Citybank 's conducts and assess the highest fines available to a RUGE BANK, repeatedly violating US credit laws!!
I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.
I filed a complaint against PNC this year and I still have not received an official response from them regarding my valid claim that I filed for unauthorized use of my debit card via my XXXX account by hackers in the XXXX. I received an official response from XXXX today XX/XX/2018 stating that 2 Credits from my claim were issued on XX/XX/2018 for $ XXXX and XX/XX/2018 for $ XXXX. Yet none of those credits are showing in my PNC checking account. Nor has PNC officials have addressed my current open complaint with the CFPB.
In regards to Experian, I disputed unauthorized hard inquiries that was sent via Certified Mail and Return Receipt on XX/XX/2016. On XX/XX/2016, the letter was delivered and signed for but to date, no response from Experian.
I never signed up for a citi bank credit card, but my ex somehow has me on his account and a card in my name that is reporting on myour credit score ... it went through collections and was charged off and I have not one thing to do.with it. I have called and can not get any information as to why this was allowed, how it happened, and how I can resolve it.
I noticed an unauthorized charge on my American express blue card for XXXX XXXX XXXX had used the card on the XXXX of XXXX and XXXX charged XXXX unauthorized dollars the very next day.I had problems with their service and they had installed their equipment on my neighbors roof as well as charging me over 200 dollars when we had agreed to XXXX.I immediately cancelled their service and was never given a contract or cancellation numberAfter the statement came in.I called American express to dispute this unauthorized charge and was told they would investigate, but assured me they would n't accept any future charges from XXXX to my account for a four year period..My XXXX statement however had a XXXX dollar charge from XXXX on it despite American Express assuring me XXXX was banned from mY account for 4 years.Further scrutiny showed XXXX had added another XXXX dollar charge in XX/XX/XXXX.I of course disputed these unauthorized charges.Now American Express has ruled I must pay the XXXX dollars after a very quick investigation and still have n't ruled on the original XXXX unauthorized charge. They allowed XXXX dollars to be charged to my account which I had told them was unauthorized as early as XX/XX/XXXX.XXXX apparently is well known for this practice, however American Express was fully awarew they were making unauthorized charges yet accepted them more than once and now refuse to own up to their lapse in security on my account.XXXX was installed by XXXX XXXX.
my car was repossedOn XXXX XXXX 2015 you received documentation under the certified mailing number XXXX XXXX XXXX XXXX XXXX in which I provided you with my U.C.C filing numbers as an SECURED PARTY CREDITOR from Federal and State. You were also provided with a copy of the XXXX XXXX XXXX validating my lawful means to discharge this debt using the negotiable instrument AFV ( Accepting For Value ) used in the dischargement of debts. You were also given the IRS documentation used for the transmitting of this negotiable instrument. You refusal to cooperate was a personal decision on the part of your corporation. As per our XXXX letter I stated that if your company was exempt from these procedures to please send me a written response explaining your exemption status as well as the return of all documents that I sent you. You refused to comply, and now you have sent a repo person to repossess the vehicle under XXXX name which was illegal, unlawful, and dishonorable. Upon receipt of my status you circumvented further communication with me my using XXXX XXXX name as the person to repossess the car from The Uniform Commercial Code Article 9 states that Legally, after a debt discharge, the creditor has no legal basis to pursue the debtor and has no claims on the assets that are currently owned by the debtor or assets that the debtor acquires in the futureThe only remedy that can be given at this point in time is the return of the vehicle and the discharge of the debt which I was informed by telephone on XXXX/XXXX/15 by XXXX XXXX ID # XXXX who said that the car had been discharged, I am sure XXXX, XXXX has a record of that conversation since I was informed at the onset of the call that our conversation was being recorded.
No other credit agency charges for this service. Apparently, Experian believes they wont be hacked like XXXX was. This is a racketeering service that consumers should not have to pay for to protect our identity. They charge at least {$9.00} per month and higher for you to be able to lock your credit report so they can hammer with other services that cost. Why should any consumer have to worry about paying a fee we can't afford just to protect our identity because a credit bureau agency wants to racket this free service to pad their bottom line. I am talking with a class action attorney as I believe this goes against many laws and with identity theft on the rise you are discriminating against minorities who can not afford this fee or dont have a credit card. This is racial basis as a minority just trying to make it. This is unconstitutional to all Americans and the next form of discrimination. Also, they offer you to put this on your cell phone bill as a payment option as if those bills aren't high enough already. Apparently, they haven't considered the fixed income many Americans and minorities are already on. They are illegally collecting this fee in the state of Texas per the Texas Finance Code. Texas Surety bond information as required by Sec. 392.101. Based on the attachment they dont have a surety bond. I'm filing a complaint with the attorney general 's office.
XXXX XXXX notified me by email at XXXX on XX/XX/2018 that my account with XXXX XXXX ( XXXX XXXX XXXX card ) had closed the day prior on XX/XX/2018 since the credit card program was discontinuing. XXXX  did not tell me I had an outstanding balance, nor did they make me aware that it was possible to have a balance on a closed account. Because XXXX had explicitly told me the account was closed, I stopped checking that account. 

When I realized I had a small outstanding balance that had been accruing interest and late fees, and harming my credit score, I immediately paid the balance and called XXXX  to rectify this issue. The woman I spoke to was helpful and suggested that XXXX would reverse the negative report. However, they did not do so when I sent them a letter requesting a reversal of that report. 

XXXX 's incredibly misleading communication ( that my account was closed ) led me to believe I had no balance, and it feels like XXXX intentionally misrepresented the situation customers through this communication to extract interest payments from them. 

Thank you for your help
While attending undergrad I obtained federal and private student loans. My federal loans are under control thanks to the program available such as income based repayment plans. Although, my private loan is putting a strain on my finances. Without a payment plan I would have to pay approximately {$800.00} a month which I DEFINITELY can not afford! As of now I am in a graduated repayment plan option paying {$370.00} a month which increases every year. It is still putting a hardship on my life but it is better than paying {$800.00}. I am not asking for no one to wipe out my loan due to me using the money and I should be held responsible. Although, I am asking for some alternative plans that would help people who are not financially stabled or who have not landed their career job yet. Or even a program to stop ALL interest rates to allow you to pay off what you currently owe. Since graduating in 2010 my private student loans have doubled the amount due to high interest rates. When applying for loans I did not know the difference between a federal or private loan, I did not know about interest rates, I did not know many things, I just know that I was a young adult ( teenager ) just wanting to go to school to " better myself '' and to " land a high paying job ''. My school was XXXX XXXX University in XXXX, XXXX.
Last summer sometime around XX/XX/XXXX-XX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with EQUIFAX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. XXXX XXXX Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just XXXX XXXX XXXX XX/XX/XXXX and not checking my report for a while but in XX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from Equifax that these accounts were deleted.
My credit report shows a non existing pending balance with XXXX XXXX XXXX with Diversified Consultants acting as a debt collector. There has never been a pending balance between myself and the original creditor. I 've sent various emails ( including evidence from XXXX showing a balance of XXXX dollars ) and make several phone calls with no response
I have notified Transunion that I am a victim of identity theft. The following accounts do not belong to me and I need your assistance in getting this matter resolved and these items removed from my credit file. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX
TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
A victim of identities theft fraud regarding 1 account. I have never owned nor applied for a credit card account with XXXX XXXX. This has appeared on my credit report and I launched a police investigation as advised to by the lender to have this removed from my account as it is not mine! I submitted the police case number for the investigation and the i police investigators name of who is handling the case. I attached the information and documented it within the dispute but XXXX  failed to remove this information from my file after disputing it. I dont know what else to do because I also disputed false report its of American Express staying to XXXX that my account was in collections which was not correct when XXXX  checked into that dispute. Both disputes were lumped within the same dispute and nothing was done by XXXX  to remove this erroneous, negative information regardless of what I have substantiated to be incorrect and false!
I had a credit card through Credit One that I asked them to close my account since I lost my source of income, and freeze the interest so it would not increase the amount I owe, I called them numerous times and wrote several letters but They refused to close my credit card account and racked my balance to almost double my credit limit. Then they immediately sent it to Midland Credit Management credit collections company. Now Midland is harassing me and threatening to take me to court. I tried to tell them nicely that I had an open dispute with XXXX bank since they refused to close my account when I asked.They will not accept my dispute claim and continue to XXXX me for almost a thousand dollars. I told them I do NOT owe near that amount, but they refuse to accept my claims.
Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

Thank You, XXXX XXXX
This is not the first time we have had issues with payments with Synchrony Bank. There are two medical loans one from my XXXX and one from our XXXX. Payments were due by the XXXX  of each month. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX ) and no finance charge. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX  ). These payments show on the Synchrony Bank website however I was charged a {$27.00} finance charge showing a late payment on the XXXX. But my payments were on time. Once again a problem with Synchrony Bank payments. This {$27.00} finance charge must be refunded and an investigation conducted why payments to Synchrony Bank are not recorded correctly.