WillisBack/dataset-financial-user-claim huggingface dataset:
i disputed charges on my credit card XXXX. and over the last year chase took the money and gave it back XXXX in my favor several times ) its unknown if they collected the money from the merchant, or just found in my favor and returned it, but i was sent a letter from chase stating the decision was " permanent '' and the decision was rendered " final '' meanwhile while chase was making that decision in my favor, i chose to take the merchant to small claims court to recover my personal losses + the money chase bank had recharged me ( since this was a period when the put the charges back on my card ) by the time i actually went to court chase had rendered the decision above & refunded the money, therefore the judge in my case would not order the merchant to repay me, since i was not out money since chase found in my favor, however i was awarded {$2000.00} in consequential damages from my expenses involved in the case, the merchant was ordered to pay this to me, the merchant did pay me however they issued it in the form of a credit back on my original card, chase bank then saw this {$2000.00} refund from the merchant and took the money from me, i called to dispute the money telling chase bank that i could provide documentation that the money was awarded to me as consequential damages, i was asked to provide them copies of the court documents, i did, and chase reviewed them and returned the money to me, as short time later chase took the money from me again and refused to return it., this money had nothing to do with chase bank other then the merchant pulling a fast one and returning it on my credit card from nearly a year old transaction to avoid a credit card fee he was charged on the original transaction, as of today chase bank has taken {$2000.00} from me and added it to my balance and i am getting charged interest everyday, they will not discuss this matter when i call, even though they have found in my favor
This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
I received a notification from XXXX XXXX about a collection that was placed on my XXXX  report which dropped my score 31 points. It was from Debt Recovery Solutions for the amount of {$1400.00}.
I can not access any of the Experian on line services because a message is returned that the information entered can not be validated or the information submitted does not match the information on file. Experian does not allow any connection to a " REAL PERSON '' no matter what I try,. I have called all the telephone numbers that are available and every one of them gets me an AI voice machine that provides absolutely no ability to connect to a person. I have my account on CREDIT FREEZE and periodically I have to suspend the freeze in order to open a new account, or with the current incident, purchase a new vehicle. Everyone, myself included, is rejected whenever they try to get information from Experian about my credit. Experian has some corrupted, inaccurate information on file for my account, and I have no way to get them to correct it. 

It is not right that any company can control my ability to purchase a new vehicle or any other financial transactions without giving me the opportunity to contact them and have them correct their records. The only option they allow is for me to write to them in Texas and they will try to help me within 15 days, providing I send them a long list of proof of identity. I have done this but I do not have 15 to 20 days for them to take action on a problem they have caused. Remember they were the ones who enabled HACKERS to access my account and all my financial date. 

Experian should not be allowed to prevent me from contacting a real person when I am having these type problems with their records on me. Their web sites provide a telephone number to reach customer support or to reach technical support, but, all these numbers connect to an artificial voice machine that always ends up in the same place, no connection to a person and no resolution of the problem. 

XXXX XXXX XXXX
Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call XXXX.
Midland Credit Management contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any one from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.
On XX/XX/XXXX my ex Husband Quitclaimed The family Home to Me as we were divorced since XX/XX/XXXX I decided to get a Title search on the Home.I have No contact with My ex-husband Whatsoever And Went through a terrible Divorce so I Had No reason to trust any transactions He made.When I received The Title Search on XX/XX/XXXX I was shocked to discover My Name had been Quitclaimed off of the Home on XX/XX/XXXX, The signature on the Quitclaim Deed is an obvious Forgery and forged by My Ex Husband as it is His Handwriting not Mines.My Exhusband then put the property into a Trust then again changed the Title by Deeding the property To Himself and His new Wife on a Grant Deed as Community property.After removing My Name Illegally from The Family Home He along with his New Wife took out 2 ILLEGAL LOANS! One in the amount of {$410000.00} and the other in the amount of $ XXXX.Shocked and furious Me And My Daughter went To Chase Bank To Complain About these 2 ILLEGAL LOANS I DIDNT SIGN MY NAME ON THE QUITCLAIM DEED SO THE LOANS ARE FRAUDULENT THE TITLE IS CLOUDED.We spoke with a Rep in the Loan Dept He promptly called His Superior Who Told Him to tell Me They DIDNT CARE IF THE LOANS WERE FRAUDULENT THEY WERE GOING TO COLLECT ON THEM REGARDLESS! So I Had No choice but To Go To The Real Estate Commercial Fraud Division of the XXXX.I have A Real Estate Fraud Case with the XXXX right now The Detective was able to Establish The Quitclaim Deed was Fraudulent by contacting The Notary named on the Document, The Notary told the Detective That He Never Met Me in His Life and He did A line Item Search and Found NO ENTRY OF THAT NOTARY SEAL.I went to the XXXX to Obtain the Real Estate Fraud Report on XX/XX/XXXX, The only thing the XXXX established is that the Quitclaim Deed is Fraudulent therefore The 2 loans Aquired after the Fact Are Also FRAUDULENT but that was it! 3 Detectives Later Chase Bank is Now Attempting An ILLEGAL FORECLOSURE ON MY HOME.Now Trustee Corps a DEBT COLLECTION AGENCY SENT ME A NOTICE OF DEFAULT on XX/XX/XXXX! This Debt Collection Agency is attempting To Collect On A Debt that is Related to A FORGERY, In Violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, Also Penal Code 119 paragraph A that Says it is a FELONY TO RECORD FRAUDULENT DOCUMENTS AT THE COUNTY RECORDERS OFFICE.I would appreciate Assistance As This Has Escalated Into An Emergency I Need Chase Bank To Shut Down There ILLEGAL FORECLOSURE ATTEMPT ON MY HOME.The Sale DATE FOR THE ILLEGAL SALE IS XX/XX/XXXX!
This acccount does not belong to me and I have disputed repeatedly with t he bureaus and they have completely disregard all my disputes!!
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX   the following addresses are not mine please delete remove : 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 The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX  XXXX XXXX 5. XXXX / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
We booked an accommodation for XXXX nights in XXXX through XXXX, based on the rate clearly indicated on their web site, namely {$99.00} per night. The reservation I.D . number is XXXX. There was a confusing email exchange with the host, XXXX, concerning the security deposit, which we understood to be an addition to the daily rate. So far no problem. But when the Discover Card statement arrived, to our shock and dismay, the rate came out to double the clearly advertised amount. 
We called the XXXX help desk, and had a texted chat with " XXXX. '' He was friendly, but inside his narrative was a lot of what XXXX XXXX would call argle bargle. Examples, from the printout of the exchange : " When you made your reservation and entered in your dates it should have given you a clear nightly breakdown '' [ it did not ]. " Your host had custom pricing on the days that you booked. '' [ what can that possibly mean, other than false advertising? ] " The nightly rate changes upon entering dates as different dates can have different rates similar to hotels. '' [ If so, they should be clearly shown at the outset, especially if they constitute double the advertised rate. ] The bottom line is that this is deceptive, false advertising, plus what we midwesterners call bait and switch. We had thought that the amount on the credit card statement, namely {$1000.00}, involved cleaning fees and deposits, but it was instead a pure ripoff. The host might indeed set the rates, but the web site should not clearly draw in customers with a phony, never-relevant daily price. The host 's command of XXXX is less than perfect, so I declined " XXXX 's '' suggestion that I deal directly with him. The host did not construct the web site, XXXX did. Thus it is their responsibility/culpability that is at issue here.
We have CapitalOne credit card line for {$1000.00} for me XXXX XXXX and my wife XXXX XXXX since XXXX 2016 ( XXXX ). Voluntarily using the credit card agreement they change the processing times with account information from XXXX XXXX XXXX setting up different payment dates and processing times intentionally damaging our family budget and credit worthiness. I have already filed complaint with Consumer Protection Bureau Illinois Attorney General against Capital One. XXXX XXXX XXXX already tempted us out to file bankruptcy because they did not report repayment of {$15000.00} debt and I reported that to Federal Trade Commission. Bankruptcy discharge order and bankruptcy case enclosed. All XXXX XXXX XXXX accounts went under bankruptcy with " XXXX '' balances ( bankruptcy case XXXX in United States Bankruptcy XXXX XXXX XXXX of Illinois ). I am looking forward to you stop intentional financial sabotage by these XXXX financial institutions and stop organized harassment of our family CapitalOne and XXXX XXXX XXXX.
I was part of the government Foreclosure Prevent effort program. That had helped me to protect my home from foreclose. The agreement was to maintain and work towards saving home as my home receive mortgage assistant. As of XX/XX/2016 the program was expiring, they sent a letter for me to take action as the day approach. I was giving XXXX options to prepare. I did all that was listed in the letter, however my mortgage company have been to given me a hard time and denied my twice, I appealed and have been continue to follow the compliance in which I was told to do so. The Mortgage Company failed to make any real helping progress and help me as a mortgagor. They receive all payments from the program on time and on several occasions they fail to keep my account up to date and let me know when changes was being made, when it came down thing I had approve like taxes insurance. I called on occasion. I took local action to assist with my mortgage and making it affordable for me. Because the interest was adjusted it from the mortgage prevent program, it impossible to refinance for repairs, or make it impossible to even if I wanted to sale property due to overwhelm principle being too much the home have no value. I express my concern to the mortgage company and I was still hit with intend to foreclose. It 's as I am being bully from a company that have no intent to save a dream only to profit. It is as if they knew the downfall. When I request for more detail regarding decline decision I was told they ca n't discuss the decision the investor makes. In mu process I had, request for a principle reduction, due to homes in neighborhood being miscalculated of value that create a disadvantage for my home the marketing for true value. The mortgage company knows that my neighborhood was doom for deprecation from wrongfully value from day of my purchase. I ask for guidance and help. 
Thank you
On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me.
Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.
XX/XX/XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!
1. Macy 's billing department has been harassing me via phone, mail and collections agency regarding a credit card balance which I PAID IN FULL on XXXX/XXXX/2015 in the amount of {$260.00}. 
2. I had called, emailed, and submitted several customer service emails ONLINE to report a problem with the types of bills they were sending me. 
3. Although I had been paying my bills ONLINE for several years, the online service suddenly became unavailable, preventing me from making payments online. I reported this many times, i.e. customer service, email, yet the problem persisted. 
4. Although I received no acknowledgement of my reports or complaints from Macy 's, I then started receiving PHOTOCOPIES of bills in the U.S. MAIL. 
5. Again, I called numerous times and reported this but the photocopies continued to come in the mail. 
6. During this time, the late charges/fees continued to accrue on my account. 
7. This complaint was made by me IN WRITING to Macy 's with PHOTOCOPIES of the bills I had been receiving. 
7. Finally in XXXX, 2015, I decided that I would pay the entire balance and asked them to credit late charge. 
8. On XXXX XXXX, 2015, I paid the full balance of {$260.00} minus a {$25.00} late fee, at which point, the account was at XXXX ; information that was confirmed on the phone with a customer service representative. 
9. I finally received a response/confirmation letter from Macy 's on XXXX XXXX, 2015 stating that interest charges and late fees would be credited. 
10. The letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, Ohio XXXX, XXXX. 
11. At that point, I closed my file and considered the problem resolved. 
12. However, several weeks later, I started receiving calls at all times of the day ( usually one in the morning and one or two in the evening ). 
13. Initially, I would take the calls and tried to explain that I had paid my bill in full in the amount of {$260.00}. 
14. However, the calls kept coming, and finally, the account went into Collections. 
15. For the past few months, I have started receiving ORIGINAL bills from Macy 's for late charges/fees that they were STILL charging despite my payment in full on XXXX/XXXX/2015, and their letter dated XXXX XXXX, 2015 confirming that late charges would be credited.
I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Bank of America. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Bank of America, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call BoA to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and BoA does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail.
Why is the CFPB inept at handling complaints against OCWEN? I am being forced to sign a modification in which I lose over $ 50k in equity - despite taking OCWEN to US District Court, our family does not have the resources to continue the effort so we have to settle! Where is CFPB in all of this?!? I have filed several complaints and have heard NOTHING.

OCWEN has violated our rights under nearly every piece of legislation out there including my protections while XXXX as a XXXX XXXX in a XXXX XXXX and their agreement with the 50 states. 

We can show that we made every payment early or on time, many times in excess of the amount owed. Despite this OCWEN has reported us late many times, including times that XXXX serviced the loan! 

OCWEN foreclosed on us TWICE concurrent with their own proffered modification process- in one case congratulating us for earning a modification and foreclosing on us ON THE SAME DAY!

After taking them to US District Court in Colorado they offered us another modification as a settlement. This modification seeks more money than we owed IN 2005. 

So- the wrecked our credit, cost us thousands in fees and damages credit, ruined our lives and our health, and CFPB does nothing. We really need your help NOW. We have ALL the proof, we can show their illegal and unethical practices using their own paperwork ... and weve done everything we can to bring these scoundrels to your attention and that of the State District Attorney.

But it doesnt matter if yall sit on your backsides and watch my family lose everything. Shame on you and XXXX your ineffective methods. I hope they erect a statue on the site of your building so I can at least have something tangible to look at and give me hope.
Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card
Received an email from Equifax advising a new bankruptcy was being reported on my account and my credit score dropped XXXX points this week. I have not filed bankruptcy since XX/XX/2009.
I consolidated my federal loans in XX/XX/XXXX with XXXX XXXX/Navient with the sole purpose of qualifying for a loan forgiveness program. I even called and spoke to a rep about this in XX/XX/XXXX. 
Since XX/XX/XXXX, I thought that I was in a loan forgiveness program and always made payments on time.

In XX/XX/XXXX, I followed up with my provider, to inquire about how close I was to completing the program. At that time I was told that I had to be in a certain repayment plan to qualify for a forgiveness program. I was never informed of that- for years I have been making timely payments and my principle has not budged! It is literally the same amount it was when I graduated in XX/XX/XXXX! 
I am now in the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) program which forgives loans after 10 years. I have always worked for a XXXX XXXX XXXX since graduating in XX/XX/XXXX. I should have received loan forgiveness by now.