WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/2018 I made a transfer out of XXXX for what I thought was {$290.00} but when it actually went through it was {$2900.00}. I got a text from Chase asking if approved the transaction. I texted back no but then realized it was approved, just the wrong amount. Chase then called me and I told the customer agent that it was approved, but the incorrect amount, I was then transferred to file a complaint against XXXX for the {$2900.00}. I opened the claim as wrong amount but somehow Chase made it a fraud claim. Three days later, I then called back to explain that it was not fraud but wrong amount dispute. Chase helped me reopen a claim and said everything would be fine. However, two weeks later I got a letter in the mail that both claims were closed and my temporary credit was being revoked on or by XX/XX/XXXX. I then recalled Chase and reexplained the situation and they helped me reopen a claim which was again denied and my credit revoked. I contacted the merchant ( XXXX ) multiple times throughout this process and they keep insisting they have returned the full amount ( XXXX ) to Chase because of a claim that I had filed. However, both my temporary credits were revoked and Chase had at that point closed all three of my complaints without giving me my money back. At the same time, the balance which was in my XXXX had all XXXX removed. As a large corporation, I trust XXXX as they e-mailed me multiple times : XXXX from XXXX here. I am an account specialist and I will be managing your case moving forward. 

1. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX CDT Hi XXXX, It looks like your payment of {$2900.00} made on XX/XX/18 was disputed by your card company and caused loss on your account. The held funds in the balance were used to recover this loss. 

I would recommend reaching out to your card issuer, as it looks like they have filed a chargeback for this payment so they would have reimbursed you. 

2. XX/XX/XXXX Thanks for following up. I can confirm to you that the funds from the transaction you are referring to were returned back to your bank as part of the chargeback dispute. Please note that these can take up to 90 days to process by your bank. If you bank is claiming that they denied the claim, you will need to recover those funds from them as they have been returned to Chase at this time. 



I am now stuck as Chase refuses to do anything becuase they say I filed an unauthorized claim when it was authorized as an agent had called me and I said it was approved. However this is not exactly the case. ALso, XXXX insists they have returned the funds to Chase but my account is still absemt of XXXX. I would just like for the funds to be returned to me and not be caught in a cycle where both the bank or merchant refuse to do anything.
Some one use my credit card without my authorization on XX/XX/2017. The total amount was {$13000.00}. The XXXX fraud department do n't want to show me any documents or proof of this transaction
I received a letter dated XXXX/XXXX/2016 from XXXX XXXX in the XXXX inviting me to call him with any questions. The number Navient provided was XXXX. This number is not a good number. I was re-directed to call XXXX. This is also a non-working number.
XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas onXX/XX/XXXX( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information.
I see many scam allegations on XXXX on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped.
I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union. 

I am requesting that Bank of the West remove the hard credit inquiries from my XXXX  and XXXX credit reports. 

I will pursue legal action, if necessary, to request the inquiries be removed from my credit reports.
I have been disputing information on my report through Experian since XXXX XXXX and they are not using reasonable procedures to accurately update my credit information, this in violation of the FCRA. Most recently I disputed information regarding the balance and past due amount for XXXX accounts through XXXX and even uploaded a copy of account statements dated XXXX XXXX sent to me by the original creditor for both accounts. Both account statements show a balance of XXXX dollars and a past due amount of XXXX dollars. Yet the credit bureau continues to report an incorrect balance owed and past due amount, and they have incorrectly reported it since my first dispute in XXXX XXXX along with my most recent dispute in XXXX XXXX. Furthermore, I have contacted the original creditor making them aware of the inaccurate reporting and they have also not correctly reported this information to the credit bureau. The credit bureau is failing to follow reasonable procedures by just relying on the creditor for accurate credit information. Under 607 ( b ) of the FCRA, 15 U.S.C. 1681 et seq. once inaccuracy is determined, the credit reporting agency must use reasonable procedures to ensure maximum possible accuracy. This is my final goodwill attempt to have this matter cleared up and I 'm fully prepared to file suit against XXXX credit bureaus for, negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C 1681i ( a ), 1681n and 1681o. The listed items are entirely inaccurate and represent a very serious error in reporting which is in direct violation of federal laws under the FCRA.
Synchrony Bank failed to send a monthly statement to me for my Amazon.com credit card during XXXX 2016, The XXXX statement I received contained a {$25.00} late fee. I was unable to object to this fee because Synchonry Bank does not permit human person-to-person contact. It has a website and phone number, but any effort to explain a problem results in a " robo call '' response. Efforts to contact a consumer services representative through any of the other Synchony Bank phone numbers produced the same result. Synchrony did not disclose, at the time of issuance of the credit card, that human contact and interaction would be prohibited by its system.
The last payment was made XX/XX/XXXX following no other payments. The company admits there were no payments made after that date and that it was charged off then. Charge offs occur between 120-180 days of not payment. If Prestige Financial received the last payment XX/XX/XXXX why are they reporting to the credit bureaus that the account was charged off in XXXX two years later?
The following credit bureaus ( Equifax , XXXX ) have failed to update my Payment and/or Account Payment History from my Mortgage Creditor XXXX XXXX XXXX, Mortgage Account # XXXX. 

They are required to report since the first month of Delinquency XXXX, each month from XXXX XXXX until present. 

That Equifax needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
XXXX with Cascade Collections called my cell phone today from ( XXXX ) XXXX, XXXX/XXXX/2016 at XXXX. She said she received a message via their website from me that I would like more information on an account in their office and said " what can I help you with ''. She made no attempt to verify who I was before 1 ) Sharing information with me about the debt, 2 ) Giving me an address where a letter regarding this debt was previously sent 3 ) Stating the amount owed, and 4 ) She not once said this was an attempt to collect a debt. She said she would email me my documents ( I requested ) if I emailed her first. At this point, she still has no idea who I am, as I previously stated she did not verify any information with me. She also asked for my current address and said she would be mailing out a validation letter. 

This is a violation under the 15 U.S. Code 1692e - False or misleading representations : ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
********************************** I will be filing a complaint with the original creditor and if need be, in court as this creditor can be fined up to {$1000.00} plus attorney fees and damages. 
Thank you.
This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.
Ford Motor Credit is reporting an account on my credit report that should only be on my business credit report. This lease was for my business and was told it would never hit my personal credit. This is why I put it through the business so that it would n't be on my personal. All of a sudden I look at my credit report and it shows that it is late when this is not true.
i received a letter in the mail from this collection agency trying to collect debt that i do not owe. i immediately want them to correct their record and forward this back to the original creditor so they can correct their record due to me not owing them.
I recently sent a letter to this company asking for them to stop contacting me in regards to whatever it is that they keep calling me about because I have no idea what it pertains to.
Back inXX/XX/XXXX I paid off my auto loan with Carvant Financial. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XX/XX/XXXXand XX/XX/XXXX by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called Carvant Financial and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
On X/XX/17 I fell victim to a scam through a fake phone number claiming to be coinbase helpline, ( let me start back farther ... the reason I was trying to reach a helpline was because I had a needed to immediately transfer money for a payment, that is supposed to be a standard ability when using coinbase services, but was not being allowed to, and only receiving a message that said " something went wrong. Try again. '' over and over and over for an entire day. Jeopardizing a potential financial opportunity. So coinbase was violting my ability of commerce at that point, so I needed to immediately reach them to fix the problem. ) and my Coinbase account was bilked for a {$170.00}. As I looked into I found that approx. XXXX bitcoins ( around {$400000.00} in value at that point had been stolen from Coinbase customers through this same scam. I attempted to report this to Coinbase online, and through their phone number listed with the BBB. When you call that number you reach an answering machine they say is to report fraud. It tells you to leave a message and you will be contacted within 4 hours to deal with it. It also gives you an online address that it asks you to go to and report fraud through, which when you try takes you to nothing but a page of frequently asked questions, none of which actually even address fraud or how to handle it. So I leave a message about discovering this $ XXXX and also, asking someone to call me, also informing them that if it 's not stopped, the scammers set up a withdrawal from my bank which is going to overdraw me. No return call nothing. I leave another message later in the day, telling them someone must call me. Again explaining that their is an ongoing scam stealing hundreds of thousands of dollars from their customers, and my bank is going to be overdrawn. Asing " do they not care? '' " why have n't they called? '' Nothing, not a reposnse. I have emailed, and left multiple messages attempting to explain things. Instead of responding, all they have done is lock me out of my account, while holding my funds from me, and refusing to respond in any manner. When I try to sign in it says contact support, which is again back to frequently asked questions or what they say is live chat, which is just a robot program giving you phrases from their frequently asked questions, and telling you, that you can email ( which also gets you a robotic reply, and tells you they are too busy and you may get a reponse days later ). All the time while keeping my account locked and my funds from me, for trying to report fraud, hoping tey might be concerned enough to actually try and stop it. now in the meantime, my bank has now been overdrawn by coinbase, and even the number listed that is given to the bank to call about charges is a fraudulent number that reaches no one and refers you to their " help page. '' Also if you look through even their own community discussions, this has happened to many, many, many others, an a daily basis. This is continual and ongoing fraudulent, potentially criminal behavior of which they are FULLY aware, and being informed about by many customers on a daily basis.
On XXXX XX/XX/2018, I was issued a loan from MoneyLion for {$850.00}. To date, I have paid {$820.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1000.00} ( 5 payments of {$200.00} ). MoneyLion has received full payment of the {$850.00} borrowed plus {$180.00} in fees. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$850.00} loan, the fees collected should be {$120.00}. I have paid {$57.00} more than this amount. 

MoneyLion is still planning to collect another nine payments of {$200.00} ( {$1800.00} ). If I pay those remaining payments, I will pay a total of {$2600.00} for an {$850.00} loan. I will pay {$1800.00} in fees. 

This is PREDATORY, OBSCENE and APPALLING!!! MoneyLion preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL.

Once my fifth payment of {$200.00} is posted to my account, MoneyLion will have collected {$1000.00} on the {$850.00} loan. At that time, I want my account marked " Current/Paid in Full/Closed ''. I am requesting MoneyLion absolve me of the remaining 9 payments as that is predatory lending at its worst.
To ( XXXX ) XXXX XXXXXXXXXXXX XXXX/XXXX/2015 at XXXX XXXXThank you for your patience and assistance. 

Per supervisor XXXX in account services, the XXXX executive I spoke with hung up on the customer after she provided XXXX different telephone numbers twice ; the Mobiloans male executive violated FDCPA and FTC protection rights of one of Mobiloans ' loyal customers. The previous email is a foward from Mobiloans customer service department including the voided check the supervisor asked the customer today at XXXX XXXX central time to resend to the Mobiloans account services department for account number XXXX regarding the new banking information being submitted on XXXX XXXX, 2015. 

Per supervisor XXXX the system has not updated the checking account information via voided check and authorization form sent from XXXX XXXX, 2015 - XXXX XXXX, 2015. Per supervisor the system was unable to take payments customer scheduled and that the system deleted both payments set up online for XXXX/XXXX/15 and XXXX/XXXX/15 due to this system error. Per supervisor any and all late fees will be removed due to this issue and the phone collection calls being a result of a system error. Per supervisor any delay of the update of the new bank account information sent in beginning XXXX XXXX, 2015 to XXXX XXXX, 2015 will be corrected in the system for account number XXXX within 24-48 hours per recording. The customer will be scheduled to pay only the minimum balance on the next due date of XXXX/XXXX/2015 per current online account. 

Per supervisor XXXX, customer support will be contacted to recorrect point system to show customer as an on time paying customer and restore stolen loyal customer discount credits voided during company system error. 

Thank youAccount Number XXXX
YES HI, I 'M NEEDING YOUR HELP WITH TRANSUNION WHEN THEY HAD THIS COMPUTER GLITCH! ALL MY INQUIRES WERE REMOVED FROM MY CREDIT REPORT, TRANSUNION NOTICED THE ERROR AND HAD THEM PUT BACK ON MY REPORT THAT IS AGAINST THE LAW!!. WITHOUT WRITTEN NOTIFICATION BEFORE IT 'S ADDED BACK ON. I CALLED TRANSUNION XXXX AND ADVISED THEM AND I WAS TRANSFERRED TO THE SPECIAL HANDLING DEPARTMENT. I ADVISED THEM THAT MY INQUIRES WERE REMOVED AND SUDDENLY THEY REAPPEARED, AND I WAS N'T NOTIFIED IN WRITING THAT THESE THINGS WOULD BE ADDED BACK TO MY CREDIT REPORT. I ALSO ADVISED THEM THAT THIS WAS AGAINST THE LAW & YOUR COMPANY HAS BROKEN THE LAW!!!!! PER FRCA SECTION 611.
Caine & Weiner is attempting to collect {$110.00} dollar debt for XXXX XXXX XXXX XXXX I do not owe. 

I paid XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$500.00} in cash for emergency services for my dog XXXX. 

XXXX XXXX XXXX failed to post at it 's location it did not have overnight stays or doctors to perform XXXX. 

I wasted valuable time, because XXXX XXXX XXXX failed too inform the public they do not have the capability to perform surgeries or have the service of overnight stays for wounded or hurt animals. 

I was overcharged by paying {$500.00} dollars for XXXX, medicine and XXXX taking no longer then 60 minutes. 

My dog XXXX passed away that night, because I wasted my time taking my pet to this animal facility. 

XXXX, would have lived if I would have taken him to a hospital that provided all the services at one location. 

XXXX XXXX XXXX over charged me for the partial services they rendered. XXXX XXXX XXXX gouges pet owners who face emergency situations and take advantage of unfortunate incidenst. 

I will be writing a negative review of XXXX XXXX XXXX to inform the public of what happened with my emergency visit. 

The public is safer taking there animals to a XXXX hospital that cares in saving pets lives and not just about the money.