WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a XX/XX/XXXX charge for {$140.00} from XXXX XXXX XXXX ( which billed me for verifying my XXXX llisting ) after I learned that my XXXX llisting had already been verified, so XXXX XXXX never performed any service. Bank of America issued a credit. I was told in letters from Bank of America on XX/XX/XXXX and XX/XX/XXXX, " There's nothing you need to do at this time '' and in a letter of XX/XX/XXXX, " No additional action or information is needed from you at this time. '' On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX saying that the charge for {$140.00} had been rebilled to my XXXX credit card. I phoned and was told for the very first time to supply documentation to support my dispute of the charge. The representative said that the dispute would be reopened on the basis that no services had ever been provided by XXXX XXXX. As requested, I faxed the documentation that same day, XX/XX/XXXX. Bank of America wrote me that the deadline for supplying information to support my claim had fallen on XX/XX/XXXX, five days before I was first asked to document my claim and that therefore, the dispute was closed and I had to pay the amount in dispute. I had a lawyer write a letter on my behalf, which I resent on XX/XX/XXXX via certified mail ; that letter indicated that I had initiated the dispute in a timely manner and that Federal law did not allow financial institutions to arbitrarily terminate a dispute that had been initiated in at timely manner, in this case noting that I was not asked to document my claim until after the supposed arbitrary deadline ( of which I had not been notified in advance ) had passed. Bank of America wrote on XX/XX/XXXX, " we were unable to determine that a billing error occurred '' and " the notification of your dispute fell outside the timeframes '' and " we're required to work within certain dispute processing rules, which include specific timeframes. '' In short : my dispute is being terminated in an arbitrary manner because Bank of America waited to ask for documentation from me until after the timeframe it later told me ( after the fact ) governs such disputes. This is Bank of America 's fault, not mine ; I would happily have provided the documentation in XX/XX/XXXX but was not asked until XX/XX/XXXX to provide the documentation in question.
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry it should only been XXXX inquiry which it was on the XX/XX/XXXX Gap ( XXXX XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Chase is the only party listed that continues to act like there is n't a problem here. Everyone else is at least trying to help. Therefore Chase is the only one getting an FTC complaint this week. I am throwing in HUD for good measure : Complaint reads as follows : I bought a house using Chase Bank as the lender. Chase chose XXXX XXXX to be the title company. 
Prior to the my purchasing the home the parcel upon which it sits was divided. It used to be XXXX large parcel with XXXX houses. The large parcel was divided into XXXX smaller parcels prior to the sale. 

XXXX parcel has my house- this is the only parcel I own. My " rear neighbors '' own the other XXXX parcels. 
Chase, with the help of XXXX XXXX, made some huge mistakes in the closing paperwork and recording the deeds. It turns out, the deeds were n't done by the time I closed and I never agreed to anything they are submitting as my closing paperwork. We do not have a valid contract. 

For added entertainment XXXX of the XXXX selling parties and I have the same last name. XXXX. No relation and no one looked at first names. My mail will never be the same ... : ' ( I do know my SSN # was attached to the sellers name and I am concerned Chase may have " reinvented '' my identity with this move. 
All of the small details are really complicated and over my head. I have kept detailed notes, a running journal, and all of my records/letters. There are so many documents I am going to hold off on sending until I have a rep, otherwise it will be very confusing for everyone. I have some experience : ) The end result is that I was, and am, being charged a lot of money for taxes on land I do n't own. Chase knows I do n't own this land. I went through the process with the XXXX AG 's, and we fixed it, but they recently " unfixed '' it. 

I just opened my new XXXX AG complaint, but I need more help. 

They have destroyed my credit, are continuing to report, and they are n't even sure how much I owe them each month ... and we do not have a valid contract. 

They have also taken to sending collectors to my home to harass me on the weekends at times my children are present. They have left me in a state of total financial and emotional devastation and are continuing to ignore me. Please help.
I used my bill pay through my personal Bank to pay my credit card bill. I now have XXXX Citibank credit cards because Costco used to require that you use a Costco XXXX card, but they automatically switched those card users to a new account with Costco Citibank, when their contract with XXXX was n't renewed. 
The start of this problem was actually my mistake- I made a payment of XXXX to " citi cards '' ( because that 's how is shows up in bill pay through my bank ) on XX/XX/2016. I did n't realize, though that I had selected the wrong citi cards ( since I now have XXXX ), I wanted it to go to my citicard through XXXX - not the Costco citicard. 
I realized this on XX/XX/2016 when I got a notification from my Citibank mastercard, that no payment was received, and immediately called the number on the back of the costco card, that should n't have received that payment. Since I owed almost nothing on the costco account ( around {$100.00} ) my balance is currently a credit of over {$3000.00}. 
I explained my situationon that day, and was transferred to a lady in their financial department. She tried to directly transfer the money from my Citibank Costco card to my Citibank master card, but unfortunately it did n't work. She then took my bank information and explained that it would take 3-5 business days to transfer the funds, but the 5 business days came and went and the money was still sitting in the Costco Citibank account. I have called twice since then, to check the status, and each time the person who answers the phone acknowledges that a refund request has been submitted but it has n't been completed yet, and to call back in a couple of business days,
I had a loan with OneMain Financial that automatic payments were taken out every month, it was always paid on time then the XXXX to last payment they stopped automotic pay on there own. I called and set up the last XXXX payments. XXXX payment was taken out and apparently the other payment never got taken out. Several months went by and I called them on XXXX XXXX after looking at a statement I received showing a payment do. It stated to call or mail payment to them by XXXX XXXX. I called and they are refusing to take my payment because the have sold the debt and wo n't take the payment for 30 days. I am trying to get a loan and no longer can get the loan because I ca n't show proof I have paid it off because they are refusing payment. Can they refuse payment for 30 days?
After the XXXX breach I placed a security freeze at all 3 major beaches. I was able to complete the process for XXXX and XXXX online. 

Experian could not verify my identity so I used the process on their website and sent a payment for {$5.00} along with a copy of my ID and recent bills on XXXX XXXX XXXX. I received a form letter from Experian dated XXXX XXXX that said the freeze was successful but that the payment was not necessary ; the letter stated that my {$5.00} check had been shredded. 

The next day I received another ( undated ) letter from Experian. This 3 page letter said the freeze request was unsuccessful but it also included ( 1 ) the original {$5.00} check ( that I had sent them and that they told me had been shredded ) and ( 2 ) a money order dated XXXX XXXX XXXX for {$3.00} sent by a XXXX XXXX of XXXX, GA ( I have no idea who this person is ).
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
In XXXX XXXX i make deposit in my acount TD Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} TD Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.
I have disputed this bill from the beginning with at and t. I have asked for them to verify the charges and explain to me what exactly they are collecting. I have not gotten one collection call from this company. I called today and spoke to a rep that informed me that this account was placed with them on XX/XX/18 and was immediately submitted to the credit bureau to impact my credit not given me a chance to dispute it with IC systems. The only reason that I am aware of this collection attempt is because I got an alert from XXXX. This is in violation of my rights. I also requested with the rep today that I fall under the sscra for military spouses.
Appalachian. Lending has harassed us by calling a place we XXXX. And falsifying. That we gave them as references when in fact we did n't. Give anyone that we worked with out there as references. They kept calling. Then sent friends on XXXX and us messages on face book. They had a deputy come out with a paper no court date on it saying they would garnish a hobby my husband does it 's not a business does n't. Clear XXXX a year and it 's doing more raising money for other people. They 've stalked ys on social media to find out he does his XXXX.
We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.
XXXX XXXX XXXX has a XXXX account collection reported to my credit report. I was never notified of this debt nor was the debt ever verified before being sold and posted on my credit report as a debt collection. The original creditor is XXXX XXXX and they have been paid directly for this debt.
My wife has recently died very suddenly and unexpectedly. I am trying to get some mortgage relief from Citi, since my household income is now reduced by more than half, through the established loan modification programs mandated under law. The system they have in place is very clearly purposefully designed to make the process as hard as possible and prey on people who are in the absolute worst and most desperate situations. They send hundreds of letters in the mail just to confuse you and then tell you to ignore them. They require you to respond within days to complex document requests that they give you no explanation of, but they wo n't respond to your emails for weeks. They claim you can reach your support specialist on the phone but its LITERALLY impossible to do so. Once you submit documents they just keep requesting the same ones over and over. Then once they 've delayed you long enough, they claim that its a new month now so they need yet more documents. 
The process surely crosses the line from simple incompetence into purposeful fraudulent manipulation of the system and of their customers when they are in there most dire situations.
Consumer finacial protection in XXXX location they say that money in ATM was not taking which it was and then it they called back saying it when but that envelopes are needed when other branches told me none is needed and I requested no address on my checks. I just do n't time or patience for this. Thank u
XXXX XXXX Accounts- XXXX XXXX, XXXX XXXX XXXX and catherines accounts are incorrectly showing balances. Attempt made to correct with XXXX XXXX unsuccessful. Account balances are all incorrect.
I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.
ON XX/XX/XXXX I made a Payment to XXXX XXXX in the amount of {$1.00}. ( See attachment. ) At the time my balance was {$520.00} as shown on my credit report. ON XX/XX/XXXX The payment successfully made leaving my personal checking account. ( See attachment. ) That payment was NOT applied to my account as of XX/XX/XXXX more than 1 year later. ( see attachment. ) This demonstrates ANY payments made to this company for this account will NOT be applied to reflect a true and correct account balance and payment status. This a violation of FCRA regulations.
**This is no t a Duplicate Complaint. Fo llow up from  Complaint #  XXXX ** There is no need place an " Cease to communic ate '' on this account your claiming is mine, but a Cease reporting a frivolous collection towards my name. The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :   XXXX   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded an d retained in their files that pertains to this " debt ''. If EOS CCA d oes not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y )  they need to retract this from my credit file immediately.
We have a PayPal Extra Mastercard through Synchrony Bank formerly GE Capital. Evidently General Electric does n't want people to know they run and operation like this with PayPal. We are forced to pay the bill on this card through Paypal or by phone. Neither methods are reliable. 
PayPal and Synchrony Banks phone line are broken more than 50 % of the time. Today I was on the phone for XXXX minutes as I tried to pay my bill. Every time I pressed the keys or spoke my request the tape loop just repeated itself. This happens at least 50 % of the time when I call. I do n't know if this is a game they play so you are forced to use PayPay, but it is ridiculous and should be illegal. 
I called Synchronicity 's helpline and got someone whom I could barely understand. I was transferred to a supervisor -- really a henchman whose job it was not to help me but make the situation even more upsetting. He was rude and arrogant and gave me nothing but excuses. When I told him I was n't interested in hearing excuses for their phone billing service being broken all the time and charging me XXXX dollars to take my payment with a representative -- who is in some foreign country and I am forced to give my checking account information -- he got nasty. 
Unacceptable that these banks and financial companies like PayPal treat their customers like garbage. They offer no service. Talking to someone who is reading from a script in XXXX is not service. Then being transferred to some bully who is paid to abuse customers is unacceptable. I was so angry I said a few choice word and hung up without paying my bill yet again. PayPal and Synchronicity must be forced to provide service. We should not be FORCED to use paypal or the phone to pay. When neither is reliable and more often than not BROKEN. 
I have tried paying by mail with this bank -- mailing my bill in plenty of time -- and they play games with that as well. Saying it was n't processed until it was late even though it got there in plenty of time. 
Please investigate these XXXX companies. They are both criminal. That this goes on in the US is unbelievable. When we got this card six years ago we spoke to intelligent people who could actually help us. This is not longer the case. I have wasted hours of my time trying to pay this bill just today. And it happens over and over again!
I filed a complaint against MEFA last month because they refused to lower my monthly payment even though I was let from my job. Late XX/XX/XXXX, someone contacted me about getting a lower payment. I was not able to reply right away because I caught the flu and I had to gather the necessary documents. I sent in my application on the XX/XX/XXXX. On the XX/XX/XXXX, the Consumer Advocate got back to me and asked for something I didn't have and couldnt get. He did not respond to that email, so i started check in every day and still no response. Today, I finally got a response from him asking again for the things I tried to get and did not have and I had to explain again that I did not have what he was asking for. This has been a frustrating process with a uncommunicative consumer advocate. MEFA promised they would help but have been so difficult to work with. I will not be able to pay my rent this month now.
See Letter, and I would also like for CFPB to assist in communicating to all relevant departments, Customer Service, Fraud, and Bank Card Services.
I have tried to open a regular bank account with chase bank 2 times and got denied, only can open a CHASE LIQUID which is a debit card account. I have nothing in XXXX I got a report from the company that showed nothing. And when I opened a account with them they told me after 6 months they let me have a regular account. Problem is when credit people check your Bank account they say no to you because it not a regular account., There is no reason they should n't let me open a checking account. I been there over a year now. And I receive a regular deposit every month from my XXXX. So they have been unfair with this matter to open a regular account.
ad astra services, this is the collection agency i contacted regarding this amount i saw on my credit report, i received the number from XXXX, and XXXX XXXX.i spoke with the collection agency, they put a dispute in also. 
their contact info is as follows ad astra services XXXX, kansas XXXX i spoke to them today after i saw this on my credit report, i have no knowledge of this account.
Contacted Bank of America after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.
I have contacted a person for apartment, she is asked me to send the deposit then I sent her deposit in three transactions ( {$550.00} total ) through XXXX- Transfer, later she is not answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA
Please remove the XXXX XXXX XXXX charge off from my Equifax credit report immediately since this was never my account.
filed chapter XXXX discharged in XXXX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX
We were notified via email about paying our account before it was going to be " charged off '' on XXXX XXXX, that we had until XXXX XXXX to pay {$2300.00} to bring our account back into good standing but we paid over paid what was required on XXXX XXXX in the amount of {$2500.00}. 

We knew that our next payment was going to be on XXXX/XXXX/17 and we wanted to pay off the remaining balance so we called a week prior to mailing our check to get the remaining balance that needed to be paid off to close this account, to which we were told the pay off amount was {$12000.00} we were never told of any additional charges or interest that had incurred that only this was our final balance amount to pay off and close this account. The check was received prior to the date due which was on XXXX, the check was received on the XXXX. 

We just received a statement saying that we owe an additional XXXX and this was the accumulated interest on the XXXX that we just paid off. When I called today on XXXX XXXX to try to get clarification to find out why we were not disclosed of this information from the being and this was not disclosed at the time of our payout, I was told it was just poor timing on the day I called and that this does not count for the daily interest rate that accumulates until its paid in full. Again this was not disclosed to me when I called for our pay off. I asked to speak to a manager and see if there was a way that they 'd be willing to work with us since we have just given over 14,000 in the past 2 months. There was nothing she could do or no one she could have me speak with this was the way that it was and just apologized for my inconvenience, along with explaining to me over and over again how interest works and that I should have docent things differently in my plans to pay this off. 

This I find completely unacceptable. We have done everything they have asked and paid everything off and yet to be charged additional interest is absurd.