WillisBack/dataset-financial-user-claim huggingface dataset:
JP Morgan Chase has made an egregious mistake on my credit card account billing me for unauthorized fraudulent activity perpetrated by criminals as a direct result of a loop hole in Chases banking system that erroneously allowed payments to be reversed on my credit card resulting in {$57000.00} in total charges including the original fraudulent amount and interest and fees that have accrued as a direct result of Chases incompetence in not more promptly resolving the matter and greed in wanting to profit from criminal activity while scapegoating the innocent customer into footing the bill. This is not only unlawful but deeply unethical leading to defamation as my credit score has declined resulting in lost employment  opportunities as Im currently unemployed and looking for work as a direct result of this incident and tremendous stress leading to declines in my mental health that have resulted in XXXX, XXXX and thoughts of XXXX. Instead of showing the slightest good will towards a loyal customer, Chase corroborates with the criminals in taking advantage of the innocent at my most vulnerable by providing a banking platform for criminals to carry out their scams while turning a blind eye to the scheme despite repeated notifications to the fraud department as far back as XXXX when I first discovered the scheme and notified police. Furthermore, the eventual tally resulted from not just a single reversal but multiple and after discovering the first one and notifying Chase, Chase did not at all correct the mistake or attempt to stop more from happening on my account. This is in direct violation of the Bank Secrecy Act of 1970.
I recently checked my credit report and noticed errors on my report that i have no knowledge of or authorized. I reached out to some of the creditors and I have been given the run around. I contacted the credit bureaus about this and I was told to file out an online dispute. I made several attempts an I was unsuccessful to gain access because it says I have answered some of my personal questions wrong. This became alarming and contacted the bureaus again and was again brushed to the side. This inaccurate information is putting a damper on my credit situation and causing me great financial hardship. Please help me resolve this issue.
On XX/XX/2018, our mortgage loan office, XXXX XXXX, requested copies of electronically signed disclosures be forwarded to her so that she could deliver all documents to us in one file. XXXX XXXX at Nations Direct emailed XXXX XXXX and instructed her to forward the disclosures to XXXX XXXX. The disclosures were not forwarded. Therefore, XXXX XXXX emailed XXXX XXXX on XX/XX/2018 asking for the disclosures again. Again, the request was ignored. Finally, XXXX XXXX emailed her on XX/XX/2018 and informed her that we would be submitting a complaint to the Consumer Financial Protection Bureau if the disclosures were not forwarded by XX/XX/2018. To date, the disclosures have not been forwarded.
I have on multiple occasions between XXXX of XXXX and as recently as XXXX of XXXX attempted to enroll my loans into an income-based repayment plan. My paperwork has been " lost '' every single time. During my last attempt, I had to point out the math errors that the Navient employee was making when reading my pay stub. I finally just gave up on trying to solve the problem. That 's when I began getting emails that allowed me to take short term forbearances by just replying " Yes '' to a Navient employee 's message. Those began on XXXX/XXXX/XXXX. They ca n't be bothered to do the paperwork to get me into a payment plan that would allow me to make payments and eventually pay down and potentially have my loans forgiven ( I work for a nonprofit ), but increasing my loan amount with accruing interest is as easy as typing " yes '' in an email reply. This is not just incompetence. This is intentional.
ACS is the company. I found out this year that ACS Education Services closed in XX/XX/XXXX. I never received a letter from them that they will be closing. I keep on making my payments on my student loans. Over the years, I did take options that were available to me because of my financial situations. ACS charged me a lot of interest during this time. I never saw my account go down, just up. I transfer my students loans form ACS to XXXX in XX/XX/XXXX. I see my loan decreasing a lot now for example {$330.00}. ACS ripe me off numerous of time. They charge me more interest on my loan. I have talk to tell about my payment history. They sent that information to me in the mail. I do not understand it.
In XX/XX/XXXX, I consolidated my student loans with XXXX ( now called Navient. At that time I opted for the highest monthly payment which was to repay the loan in 10 years. Later, I discovered that my payment plan was spread out over a longer term ( 30 years ). Can they do this? I submitted my loan consolidation online so I do n't happen proof of my repayment plan selection. How can I get a copy of this initial agreement? 

Additionally, in XX/XX/XXXX, I was told by my services that my loan would qualified for the Public Servant Loan forgiveness program ( which would become available in XX/XX/XXXX ) since I work for a XXXX. Now, after paying {$60000.00}, they tell me that my loan is not eligible since it is not a " direct '' loan. Other than filing for " bankruptcy '' is there anything I can do to cancel or settle this debt. Although I have contacted Navient several times in reference to my issues their representatives response are inconsisitent changing with every call I 've made to them.
I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections. 
It was a collection notice for an XXXX account. 

Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him. 

Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection. 

I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious. 

Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it. 

I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.
The issue involves Equifax reporting agency with them deleting information from my report and said that it was deleted but I did not initiate the dispute I have attached a letter of complaint to this issue it has been attached to this complaint.
I have had a personal American Express and a Business American Express ( OPEN ) since XX/XX/XXXX. This complaint is about the Business American Express. I used the OPEN for my XXXX as revolving cash for several years. I had balances over {$50000.00} at times. In XX/XX/XXXX, the balance was over {$25000.00}. By XX/XX/XXXX, the balance had dropped to under {$1000.00}. In XX/XX/XXXX, American Express notified me that they were cancelling my " pay as you go '' ( revolving ) and lowering my limit immediately. They claimed it was due to negative credit on my credit report. However, this was not true. 
There was no negative credit and my credit score was consistent. In fact, I refinanced a {$180000.00} mortgage in XX/XX/XXXX with no problem. 

We had just opened a big project and this immediately paying off a big balance ( about {$25000.00} ) was problematic. I called American Express and they suggested that I go on a payment plan. When the payment plan was complete, my card would be good to continue use. I agreed. I made 100 % of the payments on time during the payment plan. However, American Express cancelled the card during the payment plan. 

When the payment plan was complete, American Express demanded the remaining balance of about {$7200.00}. I had not idea this was coming. American Express had unilaterally reduced the credit line, unilaterally cancelled the card, and unlaterally called it due to no reason. I asked to simply continuing paying the $ XXXX/month and the balance would be retired in 9 months. They said NO. I wrote a letter to the president of the American Express. The executive office called me and told me there would do NOTHING to help. 

Note that I had ALWAYS made payments as agreed on the both cards ; there was NO problem with my credit. I simply want to retire the debt and move on. 

Since then, I have received harassing calls from American Express. American Express employee, XXXX XXXX, threatened to turn over the account to outside collections. XXXX XXXX is going to call the personal account fully due and turn it over to collections as well. He promised to " ruin my credit ''. Note that both the personal card and the business card have been paid as agreed always. This seems completely unnecessary. I am willing to pay. I just need a few months. 

I have had relationships with many mortgage companies and other credit cards for over 25 years and have maintained perfect credit. 

American Express purposefully ruining my credit is highly damaging to our real estate business as we are dependent on credit to purchase properties.
I am having an issue with Coinbase and was advised to reach out to you guys as a lot of people have been getting issues resolved when going through CFPD. 

I initiated a withdraw from my CoinBase account on XX/XX/XXXX to my Bank Account ( Please see attached screenshot ). Coinbase said I should received the funds on the XX/XX/XXXX. It is now XX/XX/XXXX and still no funds in my bank account. Transaction is still showing as " pending '' on their website. 

I have reached out multiple times to CB support. Got a reply 3 days later from the first time I reached out to them. They asked for information that I had ALREADY provided to them initially. Seems like they are stalling, trying to buy time, or just ignore their customers. Upon my follow up email I still have n't received another reply from them and its been 2 weeks since then ... 

Please review my case and please help me! Thank you
I filed a chapter XXXX bankruptcy in XXXX of 2015 which was switched over to a chapter XXXX in XXXX of 2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the one. It is hurting my ability to recieve any type of loan or anything of that sort.
BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.
On  XXXX   XXXX , I contact AR Resources  ( Add ress :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , PA  XXXX  Phone : (  XXXX  )  XXXX  ) to request documentation regarding  XXXX  charges they posted to  XXXX ,  XXXX , and  XXXX . I did, however, provide the  XXXX  account numbers appearing my credit report, and the agent stopped me after the  XXXX  digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names.     I also informed them that the debt was covered under a  Letter of Protection accepted by the original creditor, and I am in constant communication with  my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me.     Additionally, health insurance was provided at my initial visit to the actual creditor :  XXXX   XXXX   XXXX  and  XXXX  (  XXXX  ). Neither  XXXX , or AR  Resources  attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in  XXXX , but they are falsely indicating that the account open date is  XXXX / XXXX / XXXX .
I initiated disputes with all XXXX CRAs in XXXX XXXX. The dispute with Equifax still has a status of " pending '', now almost XXXX days later. I have not been notified of any result and I do not see a way to follow up with them about it - the " Contact Us '' link on their web site does not even work when I click it.
I did a reservation for a car rental through XXXX XXXX XXXX on XX/XX/2018. The amount was for XXXX. The transaction was cancelled on the same day. For some reason my card was charged in the about amount on XX/XX/2018. I sent in proof to the FI, but they have denied my dispute claim.
Bank  of America purchased ho meowners insurance for my property even though I had homeowners insurance and sent them the information on numerous occasions. I sent Bank  XXXX   XXXX  proof of insurance on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . Even though I have kept sending them information about the homeowners insurance they are claiming that its not adequate information. In  XXXX   XXXX , they sold my loan to  XXXX   XXXX   XXXX  (  XXXX  ). Upon selling   XXXX   claimed I owned them the money in the amount of  XXXX  for my homeowners insurance even though I had proof that I had uninterrupted coverage. Neither company will help me rectify this issue and I am currently incurring late charges for not paying the amount  XXXX  set for an escrow account for homeowners insurance that I already have.
I have asked Equifax to investigate and if not verifiable, delete negative information on my report. I have explain and shown Equifax the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Equifax has only send back a full credit report with updates and claiming validation from furnishers, but all mistakes are visible to the point of showing schedule payments on the on sold accounts.
I lost my job of many years in XXXX 2016, my wife and I began living off our savings and making our mortgage payments to South Pacific Financial from a account which was depleting fast. In XXXX 2016, I contacted my lender for mortgage assistance wherein, I completed a application and sent it in along with the documentation requested. In a letter dated XXXX XXXX, 2016 I received a denial for not being in imminent default. My current employer pays me Per Diem although my wife is still working our household income has been affected by this. My entire savings is less than {$4000.00}, currently I am using over 50 % of my income to pay my mortgage I can not go on. On XXXX/XXXX/2016, I sent documents to XXXX XXXX XXXX the supervisor to support our need for mortgage assistance and to appeal their prior denial, On, XXXX/XXXX/2016, a email was sent to XXXX XXXX following up on the status of my appeal, I heard nothing. When I contacted South Pacific Financial on XXXX/XXXX/2016, I was told that my documents never reached anyone within South Pacific and my denial stood. This is outrages! I am fully aware that the XXXX program ends on XXXX/XXXX/2016, I believe that my documents were held on purpose hoping that I miss the deadline. However, I contacted South Pacific executive office, specifically, XXXX XXXX XXXX who stated that he would look into the matter. Below is the message sent to XXXX XXXX on XXXX/XXXX/2016 : XXXX Good Morning XXXX, Thank you for reviewing these borrowers in order to confirm their status as being in imminent default. Please find attached documentation which supports the employment status of both borrowers past and present. The attachment includes their entire savings and checking accounts as it stands currently, I am sure you and or your underwriters will concur that these borrowers are unable to continue to pay the current mortgage and are eligible for mortgage assistance. 
Thank You XXXX There has been absolutely no communication from XXXX XXXX or from South Pacific regarding our appeal for mortgage assistance.
To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.
I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this bill.
Experian his not disclosed how it investigated this information however now after my dispute has concurred that the debit is fraud but still refused to deleted it my credit report, the debit is identified as : XXXX XXXX XXXX XXXX Account Number : XXXX
Opened the account on XXXX. 
Received a direct deposit on XXXX. 
Still have not received the {$400.00} bonus yet. 
Have already contacted the customer service. No response.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
PLEASE ADVISE THE STATUS OF MY COMPALINT ( XXXX ) FILED WITH CFPB ON XXXX XXXX, 2017!!
I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.
In XXXX or XXXX of this year I visited a XXXX clinic in XXXX, Arizona. I presented my insurance card and paid my co-pay but never received a bill. Approximately two months later and with no further communicatoin I received a letter from Nemo 's Collections for an unpaid balance that I was never contacted about. I called Nemo 's the same day and paid in full with a credit card. I also told them I never received a bill. It is now 6 months later and my credit score reflects an unpaid bad debt for which I was never billed. Both XXXX and Nemo 's Collections have behaved unprofessionally and acted in bad faith regarding this debt. This derogatory information should be removed from my credit file immediately and XXXX/Nemo 's Collections should be warned regarding their unprofessional behavior. 

XXXX XXXX XXXX.