WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Chase Southwest Plus card, in addition to a Chase Southwest Premier card on the same day and was automatically approved in XX/XX/XXXX. A week or so later I received my card in the mail, but it was instead two premier cards. This seemed odd to me, so I called Chase to see what the issue was. After thirty or so minutes on the phone I was told that they did not know how this happened, but that there should be no issue with receiving the rewards on each of the cards. I received the first bonus in XX/XX/XXXX after I had reached the spending threshold on the first premier card. I received a letter in the mail stating that I would not receive the second bonus because I had already received it on the other premier card. I called Chase immediately, who said that I should wait and see if the points post to my account, given that this was such an unusual situation. The points did not post to my account, so I called them again on XX/XX/XXXX. I was referred to an account specialist after again telling them what happened, asking them to honor their agreement and post the points to my account. They would not budge and said that I can not receive benefits from two of the same cards. It makes absolutely no sense for me to try and have the same card and pay an annual fee twice. There is no benefit, only harm to me to do that.
I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XXXX XXXX, XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from Citibank XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX XXXX when I 've only applied XXXX time to XXXX. Also for XXXX XXXX there are XXXX inquiries on XXXX XXXX XXXX and XXXX XXXX XXXX when I only applied XXXX time on XXXX.
My name is XXXX XXXX and I would like to report an online scam involving the scammer 's account with the Bank of the west I had posted an advertisement on my college XXXX page '' University XXXX XXXX  XXXX XXXX '' that I was looking for a room mate for my apartment and I was scammed by a person who said that they would like to send me a deposit. Instead of depositing the XXXX dollars that was agreed upon, the person would send me XXXX dollars by mistake and ask to send it back. 

When none of it is true it is a common Scam that they target XXXX students, Day 1 : The scammer by the name XXXX ( Phone number XXXX ) offers to send you money of XXXX dollars, They insisted on XXXX XXXX  XXXX as they are unable to send from Bank of the West , I give my friend 's XXXX XXXX   XXXX account number to receive the money, in this case my friend Mr XXXX XXXX XXXX account was given to receive money as I only have a XXXX bank account. 

The scammer deposits XXXX dollars instead of XXXX and calls me to ask me to send it back, now the scammer mentions that her brother Mr.XXXX has a XXXX account and I can also send it to them through the app called " XXXX '' by the email XXXX. I go ahead and send the money from my XXXX account to the scammers account through XXXX. Meanwhile my friend confirms that the money is received in his account and I send it. 

What has happened in the background is that the scammer has called XXXX XXXX XXXX and lied as if it was my friend mr XXXX and that someone is trying to deposit money into his account and to stop it. The bank sends a code to my friends account number and we think that it is a confirmation number for the bank to authorize the money to be received. 

This is where the XXXX  XXXX XXXX 's loophole made things worse. The actual money is stopped by the scammer before it gets to my friend 's account, but the bank releases a temporary credit and the money shows in his account as received. 

Day 2 : We do not suspect anything, but the scammer continues to call us saying that the money was accidentally deposited twice and requested we should send it back. 

I do send the money XXXX dollars again from my XXXX XXXX when my friend saw the increased balance in his account due to XXXX XXXX XXXX 's temporary credit deposited again. 

The scammer stops responding now and has received two XXXX dollars and we know that the scammer has the account 's phone number tied to the Bank of the West and XXXX XXXX. 

I have complained to the police : case number XXXX ( XXXX XXXX police, XXXX XXXX, Michigan ) My friend 's account now stands closed as the scammer might have access. 


I complained to my XXXX XXXX, XXXX customer care and received no support. 

Phone numbers used by the scammer : XXXX, XXXX emails : XXXX, XXXX XXXX
On XX/XX/XXXX I sent Experian a request to reinvestigate several items on my credit report. 

In response, I received a revised credit report from them, which does not correct the incorrect information for XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XX/XX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Recent balance : {$0.00} as of XX/XX/XXXX. The current balance as of XX/XX/XXXX was {$130000.00} ( see attached statement ). 
Under Status, it states that my account was Discharged through Bankruptcy Chapter XXXX. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Status on this credit report. 
The Payment History ends in XX/XX/XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XX/XX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Account History, it states : Debt included in Chapter 13 Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, XXXX XXXX XXXX XXXX Under Status it states : Petition for Chapter XXXX Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Status on this credit report.

It also states under Status that this account is scheduled to continue on record until XX/XX/XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XX/XX/XXXX, which is seven years after I filed for bankruptcy. 
Under Account History, it states : Filed Chapter XXXX Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, Under Payment history, the last payment is listed in XX/XX/XXXX. I have made these payments every month on time, with a couple of exceptions, since I filed for bankruptcy on XX/XX/XXXX ( see attached statement ). I made my last payment of {$400.00} on XX/XX/XXXX.
I am writing to file this complaint because XXXX XXXX Transunion have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, Employment and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I
They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day.
I keep getting monthly mortgage statements from Nationstar Mortgage for a loan I have no idea about. I called Nationstar Mortgage to get a copy of the note and they told me that they can not give me any information.
I have a paid and satisfied Ga tax state lien that has been released on XX/XX/2017 from the XXXX XXXX XXXX XXXX. I have submitted the information over to all credit bureaus, XXXX, XXXX, and Equifax. All bureaus besides Equifax have released and removed the lien from my credit report. I have called Equifax on several occasions to se reason on why they wont remove this lien from my report.
Beginning of XX/XX/XXXX, I am receiving calls from XXXX, XXXX, XXXX numbers along with numerous other numbers. By XX/XX/XXXX, a call is placed to my spouse phone claiming they are FAM and that I gave them his reference number. They do not specify who they are or anything of that nature. By XX/XX/XXXX, I call them back around XXXX PST and I am speaking to an unprofessional, rude, and ignorant agent of FAMS. He goes off telling me he is representing XXXX and they want to settle for a certain amount, asked if I had it, and went off asking how I make my living. There was no discussion that they sent a notification or anything. Or that I am able to go online with account number to check out any notification from them. Then, I am asked for my banking information and told they will be deducting {$250.00} for 4 months and the interest will stop. From all of this, I am not sure who these people are because I never received any written information and will not be giving any information over the phone. After that conversation, I asked if I can start in XX/XX/XXXX. The rude boy gets upset and say well I just have to. Let XXXX know you are not able to do it. The approach was very rude and in a attacking matter where no options were given. After the conversation with this rude individual, I receive 3 more calls with the numbers listed above. I need to see written information and options for me to believe this is what is going on. Being rude and ignorant will not help these people get a reaction or settlement from anyone. To make it worse, there was no notification what so ever. This can be a company out of a basement collecting from individuals. Nothing else was explained. The harassment continues with them on the daily with 4 or 5 calls a day.
I sent a letter to the debt collection company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX On the date XX/XX/2018 to validate this debt as they are trying to collect is not mine. I contacted the original creditor for verification and they responded they did not have an account for me. 
I'm including all the letters and responses in this complaint. 
They are reporting invalid information on my credit report per FDCPA and by law it must be removed. 

Original Creditor Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Received response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Bank of America in XXXX. We went to BOA and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help XXXX
XXXX XXXX XXXX. call me all time of the day and night took me to court.with outNOTICEfild me.sending threating mail.e.c.t i inform them this is not my some one are using my ss # i took step to lock my credit report.the last threating letter i got from them on XX/XX/2018 also they are adding money on every month.
I am writing you this letter to dispute XXXX Mortgage late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX Mortgage about being qualified for a loan modification. I declined the loan modification, only to have XXXX mortgage hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX mortgage loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX mortgage concerning my loan modification that I never signed up for. 

I spoke with a XXXX Mortgage rep XXXX XXXX, XX/XX/XXXX, and XXXX reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX Mortgages home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX Mortgage several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX Mortgage for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
Our previous mortgage loan was with Mr Cooper. We got a letter in XXXX stating they sold our loan to XXXX XXXX. We usually made payment to XXXX XXXX who would pay Mr. Cooper. Mr Cooper received that payment onXX/XX/XXXX and they claim it was Wire Transferred as a bulk payment to XXXX XXXX but do n't have any electronic record to show. XXXX XXXX continues to tell us they have n't received the payment. We have spend numerous hours trying to get this resolved but not able to get anywhere. A I can provide proof that money was transferred from our XXXX XXXX account XXXX XXXX and from XXXX XXXX to Mr. Cooper. 

Regards, XXXX XXXX
I am signed up with XXXX to monitor my scredit score and other things. I logged into XXXX the first week of XXXX XXXX and it was reported with a 13 point drop. I logged in and the only thing I could see was a XXXX closed account showed that it dropped off my report so I notified XXXX which stated to contact transunion. 
I called transunion to receive a report to see if I could see anything that would require a 13 point drop. I did not. I notified transunion at XXXX to find out why a 13 point drop was reported to XXXX. The only thing they said is how many points would affect certain things. there has been no new accounts open, my bk is coming off my report at the end of this year. I have made on time payments. I do not understand why they can not tell me why my score was reported and dropped 13 points. We are told to monitor our own reports and I do that faithfully. I have credit monintoring though my states attorney membership and I have not been notified of anything happening on my account nor does my report reflect anything. 

The account in question that was closed is XXXX open XXXX XXXX, XXXX closed XXXX XXXX, XXXX removed from my credit report the first week of XXXX.
Experian is refusing to investigate some inaccurate items that is on my Credit Report. I have sent in numerous disputes to have these items removed. Ive even sent in a copy of my driver license and social security cards to have the inaccurate items removed. I have asked them to sent me verification that these accounts are mine. They just continue to send letters saying they verified the acounts. The accounts are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. # XXXX. These accounts are inaccurate and they failed to response within 30 days to validate the debt.
Citi failed to send me a bill for two months. I had a XXXX balance on the account. I made a payment on XXXX and was told that they would only be able to credit one late fee and that I had a remaining balance of XXXX late fee. I received an paper bill with another late fee of XXXX. The manager said that the email was not returned to them and could not credit the late fee. I was told that the last fee applied on XXXX was for the month of XXXX.
On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.
In the process of purchasing a new home, I requested from the Mortgage  Lender the A ppraisal Report that I paid for. Th e Loan Specialist on mo re then  three occasio ns and over the recorded phone line stated it was against 'Federal Regulations '', to give me the report I ordered and paid for.   I found an article in the Was hington Post from  XX/XX/XXXX  th at stated a law was put into place to help / protect the consumer and I was entitled to the report. I forwarded the article on   XX/XX/XXXX  to the Lender  and on    XX/XX/XXXX  I was gi ven  that report.   I should n't have to battle with t he Loan Specialist to get what I am entitled too and the fact she kept insisting it was against federal guidelines was incorrect.      Consumers need to be aware of what they are entitled too especially if they are paying for the service.
On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}. 
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check. 
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs. 
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle. 
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim. 
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?
My credit card is charging extra fees on two cash advances I took and paid back the fees and credit card in full. They charge {$10.00} and additional fees every month when I paid the card in full.
I filed for Chapter XXXX bankruptcy protection on XX/XX/XXXX. At that time, my property, financed with a mortgage and HELOC with Chase, was declared exempt and my Statement of Intent declared that the property would be retained and that I intend to " Continue to make monthly payments as they become due, '' which I have done fully and on time. However, Chase flagged both accounts as " in bankruptcy '' As a result I never received any notice that the interest rate lock on my HELOC would expire on XX/XX/XXXX, so I missed the " drop period '' for setting a new lock on the interest rate. Chase is claiming that since I missed the " drop period, '' I am not eligible to place a lock on my HELOC. When I escalated this issue to the Bankruptcy Escalation Department at Chase, I was read what was described as a standard disclosure notice that sounded to me like Chase has the option at any time to close my account and proceed with foreclosure on my property. I declared that I did not give my consent to proceed and ended the call.
This is in addition to the complaint I submittedXX/XX/XXXX Experian recently completed the dispute investigation I submittedXX/XX/XXXX. Experian did not notify me the investigation was complete and I had to search on their website for the status. Experian is still refusing to remove fraudulent information from my credit report. I 've already told Experian that XXXX forged my signature on a forbearance request, the amount XXXX claims I owe is nowhere near the amount on the original contract ( {$14000.00} ), and XXXX charged off and closed the account in XX/XX/XXXX. ( the same time these tradelines should have fallen off my report ). XXXX reopened a closed account well after the statute of limitations expired by somehow applying forbearances and deferments without my knowledge or consent. I provided ALL supporting documentation to Experian which was sufficient evidence to remove ALL tradelines relating to XXXX. I provided the same information to XXXX and XXXX and they both removed the tradelines. Now, Experian is denying my right to dispute fraudulent and inaccurate information on my report! If ALL tradelines relating to XXXX are not removed from my credit report by XX/XX/XXXX, I will file suit against Experian for preventing and denying my right as a consumer to dispute fraudulent and inaccurate information, and for refusing to remove fraudulent and inaccurate information when the issue was first brought to their attention several years ago.
To Whom It May Concern, I have a XXXX 's XXXX XXXX XXXXXXXX Card managed by US Bank and no one returns my calls about this billing issue. My XX/XX/XXXX statement had a balance of {$250.00} and the due date was XX/XX/XXXX. I mailed a check for the full amount on XX/XX/XXXX, which was cashed on XX/XX/XXXX as per my bank statement ( XXXX ). On Monday, XX/XX/XXXX, I have received my new statement showing the amount for XXXX unpaid and a few extra charges related to the payment not being received. I have called the number on the statement ( XXXX ) and left a few messages and no one returns my calls. Furthermore, I find it disturbing that every time I called, it goes directly into a voice mail for a single person ; no life person ever answers my calls. I need assistance in resolving this matter, since on one will return my calls to resolve this matter.

You may contact me at XXXX, but I would prefer that you contact my nephew at XXXX. 

Thanks, XXXX XXXX