WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for loan forgiveness under the XXXX option. I provided documents showing that I became XXXX in XXXX and had a review in XXXX. Accordingly to the description for applying, under XXXX-one has to be XXXX at least 5 years, which I provided documentation proving. I was repeatedly told " this information is not sufficient ''. I was asked to get a specific printout, from social security. I did that and was told " this information is not sufficient ''. I provided everything that was required, I am a XXXX individual and was denied discharge.
On XX/XX/2016, the company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) charged my Chase credit card ending in XXXX a charge of XXXX. This charge was unauthorized and I disputed this charge with Chase. However Chase ruled in the favor of the merchant and refused to credit me this amount. 

XXXX XXXX XXXX was contracted by me to perform pool resurfacing for XXXX of my properties. The contract was written that I would pay 50 % deposit, with the remaining balance due at job completion. I used my Chase credit card ending in XXXX to pay for the 50 % deposit. However I never agreed to or authorized the merchant to charge this credit card for the remaining balance. At the time of the 50 % deposit payment, I was never informed by the merchant that they would put the remaining 50 % balance on this credit card. I authorized the first payment of {$1600.00}, but not the second payment. 

After I initiated a dispute with Chase, XXXX XXXX XXXX provided paperwork that showed that the charge of {$1600.00} was manually keyed in. I was never contacted or informed of this charge. I never authorized this charge. I assumed that XXXX XXXX XXXX wrote down or kept my credit card numbers from the first charge, and keyed this in manually without my authorization or awareness. This was a shady business practice by XXXX XXXX XXXX and should not be endorsed by Chase. 

I was dissatisfied with the service provided by XXXX XXXX XXXX and disputed this charge on the basis that I never authorized the second credit card charge. Chase ignored the fact that XXXX XXXX XXXX should never stored my credit card information and charged it without my authorization, and ruled in XXXX XXXX XXXX 's favor. 

Chase, as the credit card issuer, did not protect my right when a merchant charged my card clearly without my authorization. Chase should not judge a dispute based on the language in a service contract, the quality of the service, or whether or not who needs to pay whom. That type of judgement should be reserved for courts and judges. Chase should judge a credit card dispute based on credit card rules and regulations, whether a charge is authorized by the credit card holder, and whether a merchant abide by laws when handling credit card information. 

The ideal resolution to this issue is that the money is credited back to my account because I did not authorize this charge. This type of unethical practice by XXXX XXXX XXXX should be exposed and penalized, not condoned by Chase or anyone.
Contacted PMAB LLC today on XX/XX/2018 to dispute debt. Debt does not belong to me, nor did I ever receive notification in writing due to an address mismatch in a mistaken identity situation.
I contacted this company called AllianceOne to attempt to settle my debt that I was unaware of until I pulled my credit for a potential employer. I now regret not getting the name of the people I spoke with in regards to this debt. When I first contacted the company they told me they had no knowledge of my debt and put me on hold to search there database. After a few minutes of being on hold they came to the line to tell me I had a {$1200.00} debt and that if I pay them that day, they could drop it to {$800.00}. I told them I would prefer they send me this in writing via mail before I make such a big payment to a company I 've never received anything from or heard of. The male I spoke to, stated I would receive something in the mail within the next few days. I waited a few weeks and never received anything, so I called the company back, to be told I would now have to pay {$900.00} to settle the date. I explained to the young lady that I had called recently and they was suppose to send me something in the mail, but I never got anything. So she said she would send me something and I can call them back once I receive the letter to start making payments. Once again, I never received anything, at this point I am fed up, so I call the original company that I owe which is XXXX, they apologized for the inconvenience but said I would have to go through this company to pay the debt, so they transferred me back to AllianceOne. This time, I asked to speak to a supervisor. When the supervisor got on the phone, she never asked me what I was calling for, she just automatically started to speak saying I NOW owe a XXXX $ to settle my debt. She said that every time I call back they up the price. I explained to her that I have called numerous times in the attempt to receive something in writing from their company and that I would not make such a big payment over the phone to a company that I have no knowledge of. She began to become very rude, saying that their company does not work like that and they would not be sending me anything and that I would have to make a payment today or the debt would remain on my credit. I told her I was never told that, the company I worked with previously sent me info with no problem so what makes their company any different. I then asked to speak to someone above her, she nastily said I would have to call back because the person above her is n't in.
I am the co-signer on a Synchrony Care Car credit card. On XX/XX/2018, I called Synchrony Bank about a lot of late payments that have been reported inaccurately to the credit reporting agencies. This has been a consistent problem for me and the person that I co-signed for. The person that I co-signed for, has on numerous occasions, had to call the bank to have the discrepancies fixed. The bank even issued a letter the primary person, which apologized for the errors. However, the bank continues to make the errors and now refuses to fix the errors on my credit report or stop making late payments appear on the other persons credit report as well. I have tried to call to resolve the issues, but I am given a blanket statement that there's nothing I can do without the other persons bank account information! They can't look it up in the system to see that this is a continuing problem and I have spoken to representatives on a few occasions, including supervisors who can not fix the issue.
My wife had a medical procedure denied by my health insurance company XXXX. I filed all of the appeals, but the denial was upheld as experimental. The procedure in total was over {$26000.00} and now Southern Credit Recovery ( SCR ) has failed to operate in good faith. I have contacted the company on  numerous occasions since receiving the first collection letter and as of this date they continue to do nothing. I faxed them an offer of settlement on XX/XX/XXXX and again on XX/XX/XXXX with no response other than notifying the credit bureau of the collection account. Today I spoke with " XXXX '' who was unprofessional and could not answer any questions on the file. A complete waste of my time.
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.          XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
XXXX will automatically default any form of payment to their cobranded credit card on file, regardless if you manually select another payment to use. 
This has happened on two occassions. On the first occasion, I entered my XXXX credit card ending in XXXX manually and selected the card as payment. However, upon transaction, I noticed that the credit charge was made without authorization on my XXXX credit card ending XXXX. I called XXXX and a lovely customer service representative was able to assist me in processing the refund to both my card and re-crediting my miles. I proceeded a second time this time via XXXX, with both the log in and a confirmation page prompting me to use my XXXX credit card ending in XXXX. Again, the transaction defaulted to my XXXX credit card ending in XXXX and did not even utilize the transaction via XXXX, despite logging into XXXX via the XXXX prompt.
Equifax is reporting serveral different address on my credit report. 
XXXX XXXX , FL XXXX ( never lived at this address )
XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXXl requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
I am a victim of id theft and my personal information was compromised in the XXXX data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft report
On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX  XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX  and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
explain why in the heck captiol One refuse to redo the math for the hardship program that they put me in- meaning they are telling me that it will take me 60 months to pay off a loan {$1500.00} at a 7.4 % at {$42.00} a month The company refuse to tell me how they got their math- this is their response " its whatever the computer say '' XXXX - my math says at {$42.00} a month at 7.4 % it will take 48 months NOT 60 months ... .but you see capitol one refuse to listen- just to let you know I spoke to the office of the president staff and even email the CEO- of course this is something he does n't give a XXXX about. You as a so call consumer financial protection what are you going to do about it that captiol one 's math is wrong and are you condoing that its OK for them to collect more money when they are not suppose to? I want answers!
XXXX XXXX XXXX, account # XXXX is wrongfully attempting to collect a debt I do not owe.THE ORIGINAL CREDITOR, XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX AND XXXX CREDIT BUREAU REPORTS.I opened the account in XXXX of XXXX.The payments made for this account were for usage and a XXXX XXXX  XXXX phone.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I wasn't interested, but there was SALES PERSISTENCE. 
F inally he said we will cancel everything and I will not be charged.I kept the same phone number and transferred it to XXXX XXXX.THIS ENTIRE BILLING IS FRAUDULENT! 
I owe nothing.
I applied for a home loan, I was approved. When I was to close on the loan, the closers said unless the taxes on the home were paid, we would n't be able to get the loan. They presented a settlement statement sheet, that states moneys were deducted from the loan amount, to pay taxes for XXXX parcel XXXX XXXX {$160.00} and XXXX {$1700.00}, as well as parcel XXXX delinquent taxes for {$2400.00} which is for XX/XX/XXXX, also parcel XXXX XX/XX/XXXX XXXX {$4.00} and parcel XXXX XXXX {$44.00} and parcel XXXX Delinquent {$76.00}. They also state that they charged the borrower {$1500.00} to do it. I talked to XXXX XXXX, they told me several times, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, that the taxes were not applied to the right place, that delinquent taxes, were to go to XXXX XXXX in XXXX. I also told them if the taxes were n't paid before XX/XX/XXXX penalties and interest would accure. They sent all the taxes to the City of XXXX. They were not paid on time, so Citizen Bank paid the taxes it seems. Now they are coming after me. I have been paying my loan on time. All of a sudden, they stopped applying the money being sent towards the loan, created and escrow account, and I owe them for taxes not paid for XX/XX/XXXX. The payments are being sent, but since they say we owe, they are not applying the payments to the loan, but to the escrow towards the taxes. I have made several attempts to show them their error, but nothing has worked thus far. This matter is getting worst, and it will potentially ruin my credit, as well as a possible foreclosure for none payment. I paid the XX/XX/XXXX XXXX taxes but somehow they managed to pick up the winter taxes. They keep telling me, that they are investigating the matter, but still not applying my payments.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Good day, Please accept this complaint, as I have been working with the servicer to modify my loan. We are in the middle of the loan modification and I have been very cooperative, this would be the second attempt to try to resolve this hardship. I do n't understand why they have scheduled a sale date for XXXX XXXX, XXXX. This is my home, my childrens home and I am very distrought with the fact my home can possibly be solved, where will we go? We have no where to go. Please help.
I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ). 

I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch. 

I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail. 

After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything. 

By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent. 

XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.
Hi, I have been having difficulty sending money from my US account to my bank account in XXXX via Western Union. I regularly send money using these XXXX accounts for the last few months but my last XXXX transactions, XXXX on XXXX XXXX 2016 and XXXX on XXXX XXXX 2016 did not go through. After using the company website feature of repeating a previously performed transaction of sending money from a US account to my own XXXX account, on XXXX XXXX 2016 I received an email titled " Your transfer is being reviewed ''. On XXXX XXXX I received a follow up email " payment received '' asking me to pick up the money in person in XXXX while I had asked the money to be deposited in my account in XXXX. On XXXX XXXX I received another email titled " Canceled money transfer '' saying the company had received my request to cancel the transaction so they were canceling it. I made no such request. After the XXXX transaction was denied I called the company but did not get a straight answer about what happened or what I should do differently, just some indirect answer about an " internal validation '' not going through. The money was refunded to me thankfully without any deductions. No money was deducted for the XXXX XXXX transaction as of now. The company apparently expects me to keep on applying until one day something changes and the transaction goes through. I do n't know what that something is.