WillisBack/dataset-financial-user-claim huggingface dataset:
My Chase XXXX card has 9 charges that are fraudulent. They all say they are from XXXX. 
I disputed these charges, they were then temporarily credited to my account, then after Chase 's " investigation '' they were charged back to my account. I have repeatedly told Chase that these charges are fraudulent. They sent a letter which listed these charges, without stating what they were, just that they are from XXXX, claiming that they are not fraudulent. I have repeatedly spoken to Chase representatives and sent secure messages on the Chase website, stating that the charges are fraudulent. PLEASE HELP!!! I am XXXX years old and calling Chase and sending them messages repeatedly is very disturbing. 

dispute posted re- Case Number Date Opened Transaction Date date Description Dispute Amount trans # posted XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$36.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$47.00} XXXX XXXX XXXX XXXX, FL XXXX US XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX # XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX FL XXXX US XXXX $ {$400.00}
MY PROBLEM IS WITH XXXX CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED XXXX  'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME.
I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.
The total collection amount of {$620.00} was paid in full on XX/XX/2017 with a promise from the collection agent for account removal on credit reports. The balance is now XXXX but the collection account is never removed from my credit reports. I tried to get this issue resolved, but they are not taking my calls now. They hang up on me multiple times and put me on hold for more than 20 minutes and then hang up. They are very rude and unprofessional.
I used to have a credit card account with Citi bank and there are many fraud charges on the credit card that never were credit back to me. Entire year os 2014 charges for he credit card citi is fraud.
On  XXXX   XXXX  I dispute d 2 common wealth accounts that was listed on my Experian report In which one account was rem oved but the other remained. I send the validation letter with a return receipt to make sure it was received. I have no knowledge or record of the common wealth account being reported on my report. I have disputed this unknown medical account with the reporting collection agent and havd no valid response. I requested for physical proof of verification to this alleged account that is being reported on my credit report.
On XXXX XXXX, XXXX I checked my credit report and saw that ProCollect , Inc was reporting a past due amount for an apartment complex. I called to speak with a representative regarding a resolution on the account and possible deletion from my credit due to I never received a notice regarding this balance. The representative was not willing to work with me regarding settling this debt but kept demanding I pay the balance in full and they would not remove from my credit. I requested to speak to a supervisor and she was very rude, unwilling to help, and very unprofessional.
The original creditor was  XXXX   XXXX  and my limit on the card was {$300.00}. I charged {$300.00} on the card in  XXXX   XXXX  and missed my  1st  payment and was charged a {$25.00} late fee. They closed my card in  XXXX   XXXX  without giving me the chance to pay it. Then I received a bill for {$640.00} from  Midland Funding.
XX/XX/2018 I talked to a customer service representative at XXXX XXXX we discussed applying credit of XXXX  toward account I mailed in XXXX to make a complete payment of XXXX, credit was never applied to reflect payment, auto loan was originally contacted with Gofinancial. I was told that there is a credit, but it's not a credit?
Bank of American Credit Card Number : ending XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX in the amount of {$15000.00}. This letter is in regards to my DISPUTE for the charges listed below, for the services prepaid that I have not received : XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} This transaction was used as partial payment to pay for the XXXX XXXX that will take place on XX/XX/2018 to XXXX, 2018 at XXXX. 

Please see my attached document for 1 ) my ticket to the XXXX XXXX XXXX 2 ) Receipt for the XXXX XXXX XXXX 3 ) Contract agreement for XXXX XXXX XXXX  The dispute amount of {$15000.00} was used as partial payment to pay for the XXXX XXXX  that will take place on XX/XX/2018. I was unable to attend because XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 

I did not receive XXXX XXXX service from XXXX. I did not get to attend the XXXX XXXX. I did not received the service indicated on the contract agreement for XXXX XXXX.. 

XXXX was shut down by the Federal Trade Commission on XX/XX/2018 and have been taken over by a Receiver named XXXX XXXX XXXX, please check the FTC website and the Receivers website for the latest updates. 

thank you very much
Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. 
In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. 

During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at XXXX.
I would like to know why do I have to pay back interest on my student loan. I have a forebears until my case end my be up to 2 years, because my school misled me and closed down. i have a case with the federal borrower defense. It's been 8 months. I don't know why i have to pay navient interest on my loan for something that not my fought.
I was in contact with the Department of Veteran Affairs and Caliber Home Loan,  and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well. 



In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.
I had a home equity loan from XXXX XXXX XXXX that got forgiven due to the department of Justice lawsuit. All XXXX credit bureaus are reporting every month that I have not paid and I 'm past due. I have provided them with the letter from XXXX XXXX XXXX stating that there is not a balance on this account and that it is not past due, but they are not correcting my report, and every month they are reporting me more and more late ( over 30, 60, 90, etc ). I got denied a business loan because of this and it has damaged my credit. I want this account deleted immediately and I do n't know who to contact.
I have XXXX checking accounts with USAA and I owed money in XXXX account and today I am locked out of all of my accounts until I pay the negative balance. The balance in my other accounts was taken out and put toward that balance all of my cards are frozen. I never received any notice that this was going to be done and now I ca n't pay my rent or car payment.
I have filed several complaints with Equifax, XXXX & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
I decided to do business with CarHop located in XXXX, IL. They financed a XXXX Chevrolet XXXX on XXXX XXXX, XXXX through Universal Acceptance Corporation. Within a month I began to experience troubles with the car and it became unsafe to drive. I took the XXXX Cavalier to CarHop on XXXX XXXX, XXXX and they took the car back and put me into a XXXX Dodge Stratus. I was not required to pay anything for them to put me into another car. Here I am XXXX XXXX, XXXX and my credit report has a derogatory mark on it from Universal Acceptance for an unpaid balance for {$52.00}. I have contacted the company and they stated they can not tell me why I have the balance and all they know is that their records show I have a balance of {$52.00} remaining on the XXXX Chevrolet XXXX. This is ridiculous. For an amount that small if there was a balance on the car at the time of the trade-in the sales representative at CarHop should 've informed me about it. I should not be held responsible for an error on CarHops end. The sales rep failed to mention anything about a remaining balance. And ultimately why should I pay a balance on a car that broke down, had car troubles, and was unsafe to drive all in a months time span.
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX I Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/XXXX XXXX XXXX Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
My husband and I purchased a loan in XXXX ... a XXXX XXXX XXXX. The car was with XXXX XXXX. Since XXXX, we have paid XXXX payments totaling {$11000.00}. I received a bill that listed my balance as {$13000.00}. I called Santander Consumer USA and was told my loan accrues daily simple interest and the payments I 've made towards the car was applied to interest. I still have XXXX payments to make on this car ... .this is disgusting!!!!! We are minorities that were desperate and needed a vehicle and were never told of the daily simple interest at the origination of this loan. I am convinced that this is a violation and NO ONE should be able to treat hard working Americans this way. We were treated like this knowing we had limited income and a poor score. This is taking advantage of borrowers.
" " '' I have disputed this Charge off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
EMC violated my rights and was in violation of a XX/XX/XXXX FTC settlement which I was excluded from, and should have been compensated under as I was a customer since XX/XX/XXXX. EMC submitted a altered payment history to the United States Bankruptcy XXXX which they asserted was true. See PDF entitled Falsereportingbk court attached herein. This payment history was false and altered and did not represent what I was actually charged it was also a direct contradiction to actual mortgage statements. They led the court to believe I was charged less when in fact actual Mortgage statements clearly show I was charged more. The same interest rate can not bare XXXX separate figures. This is a crime, they knew they recreated the accounting of my history. This is a crime and had an adverse affect on the judges decision as he believed what was reported to him. EMC submitted a response to the court on XXXX/XXXX/XXXX that they also asserted this was a true and accurate accounting of my payment history See PDF XXXX XXXX again my rights were violated when EMC falsely asserted they had only been paid {$11000.00} by the trustee which was untrue, and under calculated misleading the court by {$3200.00} See actual trustee report on XXXX of XXXX showing the amount I had paid was {$14000.00}. There have been XXXX RESPA request done on my behalf by XXXX separate attorneys both enclosed stating EMC provided a history they could not understand. The same money EMC claims I owed was refunded but not calculated properly with EMC claiming my escrow history is accurate IT IS NOT all you need is a calculator see complete escrow history XXXX. Furthermore the payment history submitted to the courts omits XX/XX/XXXX and XX/XX/XXXX were over {$2000.00} was paid to them their history was not complete. see the ACTUAL document submitted to the court starting the history at XX/XX/XXXX in PDF extorresponse
This is related to Complaint XXXX. When Citibank FINALLY provided me with specific detail on XX/XX/XXXX regarding their decision to not re-issue my XXXX Credit Card, it comes to light that it was based on a so-called-charge-off on a Sears MasterCard Account ( they are the parent for the Sears Credit Cards ). With my own investigation it appears a Sears Mastercard  was fraudulently opened in my name on XX/XX/XXXX. I received no bills for payment for the fraudulent account ; therefore, was not aware of the fraud until XX/XX/XXXX. I pulled my XXXX Credit Report on XX/XX/XXXX. There is not a Sears account recorded on it. I pulled my XXXX Credit report today ( XX/XX/XXXX ). There is not a Sears account recorded on it. Due to my meeting directly with a local Sears store manager and his call to the CitiBank Executive Offices, I finally received a call from a man by the name of XXXX. That call happened about 3-4  weeks ago. He said he was going to research the issue. I have followed up 3 times with XXXX and had to leave voice mails. I have received no response at all.
During my time at school, I payed the {$25.00} a month per loan to start on the interest payments. Once I had more than XXXX loan out, Sallie Mae ( they had n't split into XXXX at the time ) would take the subsequent {$50.00}, {$75.00}, {$100.00}, and {$120.00} a month and place it towards only XXXX of my loans instead of distributing it. Afterwards I would get multiple calls almost every day from unknown numbers saying that I am in default and in danger of my credit being affected. When I would explain to the person ( after anywhere from 20min-2hrs on hold ) that yes, I had in fact payed what was owed and told them to check how it was distributed, I would get silence followed by, " huh ... ok I see what happened here ''. Multiple times I asked that a note be put on my file so that this would n't happen again. Sure enough the next month I would get another dozen calls from mystery numbers and have to go through the whole thing all over again. This time I would ask if there was a note on file and they would say " yep here it is. '' And now that I 'm out of school and working, I am paying back the loans as much as I can. The representative and I worked out an arrangement that my loans would be taken out on the XXXX of every month. I have been paying for almost eight months now and not once have the loans been taken out on the XXXX. usually the XXXX or XXXX, and only XXXX because they take out the last XXXX in the middle of the month for some reason. This has thrown a huge monkey wrench into my life. I do n't have a high paying job yet and I end up devoting XXXX of my XXXX monthly paychecks solely to student loans, and I make sure that the money is there before the XXXX. When they do n't follow the schedule they proposed and that I agreed to it throws my life out of whack and adds unneeded uncertainty and stress. Things like running low on gas on the XXXX but cant stop to fill up because I have n't been charged loans and I need to make sure there 's enough to cover them and then that odd middle of the month loan adds even more. If I were late on a payment by one day I would get several emails and at least one call asking where the money is. Yet when they are late in charging me they could n't care less, meanwhile my entire life is put on hold. It 's dehumanizing how they treat the people that come to them for help. The customer service is absolutely horrible. The people shove you off to the next person and give off the impression that you are a bother. They do n't listen to the problem and try to fix it. They listen for buzzwords and shuttle you along, " Yea I 'm having troube with changing my billing address on my account profile '' " Billing? I 'm sorry sir this extension is if you 're having trouble with your account profile, I 'll connect you. '' " No wai --!! *insert cheesy sax music* ''
I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX
XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account Transunion & XXXX please remove & delete false account immediately
Midland Collections was trying to collect on an old XXXX card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.
I have disputed a debt that is not mine with the collection company National Credit Systems for amount of  XXXX dollars. I have also disputed the debt to the credit bureaus and they claim the debt was valid. I have never lived nor have i ever done business with the creditor XXXX was collecting for. I have asked for proof the debt was mine and the company was unable to provide anything with my social security number, date of birth or address. Nothing was provided showing i signed any contract or provided any banking information to this company i have not heard of. This account was closed on my credit a couple times and re opened by XXXX illegally. XXXX never sent any letter giving me a chance to dispute prior to reporting negatively on my credit. I am asking this be removed from my credit and collections actions be stopped as this is not my debt. 

Thanks!
Ocwen Loan Servicing LLC continues to threaten additional servicing fees for the purpose of adding insurance I already have. On XXXX/XXXX/15 I sent the first Qualified Written Request under RESPA answering their requests for insurance dated XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Required documents were submitted but I never received 60 day response ( nor acknowledgement ). On XXXX/XXXX/15 I sent another Qualified Written Request under RESPA in response to Ocwen 's revived demand for insurance dated XXXX/XXXX/15. All requested documents were sent again. Now in a letter dated XXXX/XXXX/15, Ocwen threatens to tag on an additional {$620.00} yearly to servicing fees for insurance I already have. They claim they do not have evidence of insurance coverage, even though I sent it multiple times to their designated fax number ( XXXX ) XXXX. My transmittal confirmation sheets show their receipt. The internet is full of consumer complaints about Ocwen, suggesting habit and custom on the part of Ocwen 's ongoing servicing violations.
RS Clark and Associates are erroneously attempting to collect an inaccurate charge for services rendered by XXXX XXXX. RS Clark and Associates are attempting to collect a debt on {$110.00}. The amount they are attempting to collect fails to include the credit balance that is evidence on the statement showing {$19.00} that RS Clark and Associates forwarded to me in attempt to validate the debt. RS Clark and Associates also have failed to include the amounts that I have been sending to XXXX XXXX all along as payment on the debt. They are reporting every month to the 3 credit bureaus that I continuously owe XXXX when I do not. I have attempted to dispute this account to no avail. 

RS Clark has erroneously reported that I became delinquent and has re-aged my default date by one ( 1 ) year in half and has failed to update all of the payments sent to XXXX XXXX. Re-aging of default date ( s ) is a common tactic debt collectors use in order to make it appear as if they can continue to collect on a debt legally