WillisBack/dataset-financial-user-claim huggingface dataset:
Obtained a safe deposit box at the Chase Bank appx XXXX ago. The Chase Bank is on XXXX XXXX in XXXX, CA and was a Washington Mutual Bank at the time of opening the box. I was provided a free box with a permanent waiver due to program running at that time. In appx late XXXX I came in and spoke with the manager of that location at the time ( his name was XXXX XXXX ) and stated that I was moving to XXXX area ( 2.5hrs from XXXX ) and having a safe box in XXXX did not make logistical sense for me. He said that would be no problem and that he " took care of it ''. I provided him the XXXX keys and then he and another associate locked them up. Beginning XXXX I began getting safe deposit box letters about my annual renewals after previously getting nothing about it since closing it down. It still shows that my box is open and while it is still also showing the box as an annual fee waiver I am concerned as I do not have the keys due to turning them in and am afraid this box is still open under my name without my approval. I attempted to reach out to an associate at this location and was told that they show in their " records '' that I still have the keys in my possession and that the only way to take it out of my name would be have it drilled at my expense of over {$200.00}. I explained what took place with closing the box in XXXX to which the reply was " that was 8yrs ago, you do n't have any proof of that happening ''. 

I placed my trust in the a person chosen by the bank to manage the entire location and am not being told to close out I have to pay a fee for his lack of responsibility. I feel that this has been a bait and switch tactic in order to collect non-interest income for a bank that is struggling to replace fee income lost due to overdraft fee changes in the banking climate. While {$200.00} is small potatoes to a place like Chase, it is a huge fee for me and those happening multiple times to hundreds of people over a footprint can add up to strong revenue additions. I have attempted to reach the current manager of this location but she is never available to speak. The most recent attempts were on XXXX/XXXX/XXXX to which I was told " she is on vacation all week '' which was told to me after identifying who I was and why I was calling. I did not believe this to be true, so I called again on XXXX/XXXX/XXXX and this new person said " she is out sick today '' but he did confirm she would be in on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was told this is her " scheduled day off ''. I feel bullied by this location and refuse to pay a fee to help cover a prior managers irresponsible actions. Furthermore, I have made ample efforts to contact the location with no success. I would think this bank would want to get this box out of my name given I pay nothing for it so they can rent it out to someone and collect annual rent.
On XX/XX/2018 I received calls from unknown number as well as local number that were identified on caller ID in reference to signing legal documents. He did not provide his name but said he had been hired by XXXX, XXXX and associates to reach me to sign documents. He provided me a telephone number and a case number. I called the number and provided the case number and was told that " XXXX '' is handling my case. 

XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I also received calls from XXXX from someone who identified himself as XXXX XXXX . He said he was a process server and that he had legal documents that I needed to sign in reference to a XXXX XXXX Account ending in XXXX. He called my home, cell as well as work number. He said it was in reference to Case # XXXX! He gave me a number to call XXXX in order to speak to the company who was litigating against me. 



I called and spoke to XXXX XXXX and she gave me the email address of XXXX to provide proof that the debt had been resolved in order for her to dismiss the JUDGMENT. I sent her the information and she responded as follows : Thank you for the letter XXXX XXXX, but this letter does not say or show your balance was paid off. This is an agreement to resolve your account if the agreement is met. I need a release of liability letter or balance paid in full letter to stop any further action. I can not submit this for dismissal of debt owed. Please feel free to call me or forward any other documents you might have pertaining to this file. 

Thank you XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I then provided her with the bank statements to prove that it had been paid. I called to follow up and she said that the case has been dismissed. I further asked who the attorney was? She gave me the name XXXX XXXX. Then I continued to raise questions and she put me on the phone with a man named " XXXX XXXX ''. He said that XXXX XXXX is not an attorney but rather Operations Manager and they are a debt collector. ( I was previously told that they were a law firm and not a debt collector ) XXXX refused to give me his local number. He refused to give me the name of the attorney that was licensed in MO to file a law suit against me, he refused to give me the registered agent. I just believe that this is a very sophisticated scam and I wanted to make your organization aware.
I contacted experian to remove XXXX dept it is being reported twice by them and also XXXX XXXX XXXX. It still remains
To whom i t may con cern, After carefully reviewing my  XXXX  credit report i notice navient have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean navient is reporting the same account 2 times on my  XXXX  credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX
On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
I was notified of a collections on my account. I did not recognize this company and never received a bill from that company. I tried calling the number listed and it came up to a voicemail called " XXXX '' and I was not able to leave a message. I filed a report with Experian and they got back saying the information is accurate and gave me no new information on this supposed collections. I have no way to contact this company who is trying to collect on me on something that I have absolutely NO record of!
I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.
XXXX systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower  who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. XXXX has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, XXXX assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver -  wherein the co-borrower is required to pay XXXX to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy. 
XXXX is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because XXXX has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.
Hello, After talking about my issue with a group of friends they referred me to this site as a possible way to get clarification and a total answer to a credit card API Inquiry. 

In XXXX of 2017 I contacted Chase about my Chase Sapphire Preferred Credit Card and its APR ( Annual Percentage Rate ). 

I wanted to understand the criteria and process to have my APR evaluated and reduced. I make $ XXXX a year, have never missed a payment, and have other credit open. 
My APR rate with Chase is 23.99 % and on my other credit card 8.90 %. The disparity is large and i just wanted to know how it could be reviewed. 

I first attempted to call the Customer Service and understand the process. The first representative I talked to about general information told me there was nothing they could do to help me apply for a reduction. I asked for them to transfer me to a department that could help me and the only department they could come up with was the department that deals with credit inquires and new account openings. When talking to this group they tole me that they did not deal with APR review or reduction but would put me on hold to contact another department. However when they came back on the line they told me that they talked to the department but had not information that could be disclosed to customers through customer service and they department had not customer service representative. They did tell me that APR rates are reviewed once a year and my account was not reviewed this year. After, They told me the best course of action was to open a ticket on the Chase Secure Messaging. 

I opened the same conversation there and received an email in the secure message center the next day. They the email explained the only factor they could confirm had and effect into my eligibility for an APR reduction was the length of my credit with Chase " among other factors ''. 

Additionally, to add insult to injury, the Chase message have been removed from the Secure Message center without notification. There is a warning that say " We 'll delete any messages in red within 10 days. If you 'd like to save a message, please open and print, or save it to your computer. '' but does not inform you of when messages are changed to " Red '' status. 

best, XXXX XXXX XXXX XXXX XXXX
I made the following purchase in XXXX using my Chase Visa credit card : Merchant : XXXX XXXX, XXXX, XXXX   Purchase date : XX/XX/2018 Purchase Amount : Rs XXXX Equivalent USD Amount : {$7500.00} ( based on the exchange rate on the purchase date ) Actual amount shown in my Chase card statement : {$7800.00} Dispute Amount : {$350.00} ( the amount charged in excess ) I opened a dispute with chase on XX/XX/18 case number : XXXX. Chase credited my account for the disputed amount, collected the proof from the merchant for the transaction and determined that the charge is valid on XX/XX/18 and charged my account again. I re-opened the dispute on XX/XX/18 case number XXXX, as I thought they didn't understand that I was disputing the conversion rate and that I was not disputing that the purchase didn't occur. Chase reviewed the case and once again determined that the charge is valid ( without even discussing with me what I was disputing ). 

I have attached a proof of International charge alert received from Chase showing the correct dollar amount. I believe Chase has the responsibility to ensure that merchants charged their cardholders correct dollar amount for foreign currency purchases.
1. XXXX XXXX charged my credit card without my knowledge. That time I followed XXXX  XXXX 's instructions to send the documentations for disputing the charges. The Bank claimed the paper lost. They refused to process the dispute. 
2. I called the card lost in XX/XX/XXXX. Then I never activated the card. 
3. In XX/XX/XXXX XXXX XXXX sent us Email for updating the payment information because the original XXXX card is no longer active. 
4. XX/XX/XXXX XXXX XXXX  billed us again from XXXX XXXX of XXXX. 
5. XXXX XXXX does not have my new card number. 
6. XXXX XXXX leaked my information to XXXX without my consent. 
7.It 's true that there are two other people that are authorized to use the card but they have no dealings with XXXX XXXX but me the primary user of the card. 
8. What I don't understand is how could XXXX XXXX have my new card number if I never activated the new card that XXXX XXXX sent me. XXXX XXXX tried to used my old account number on file and there was a Payment decline-Order on Hold ( XXXX # XXXX ), so they emailed me on XX/XX/XXXX asking me to update my payment information. I never responded and yet they got a hold of my new card that wasn '' t activated. I believe that XXXX  XXXX  was the one that gave them my information without consent and authorization.
Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE
My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from Portfolio Recovery Associates is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. The Portfolio Recovery Associates account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and Portfolio Recovery Associates. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and Portfolio Recovery XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the Portfolio Recovery Associates identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government.
PLEASE DO NOT OVER LOOK!!!!!!!! THIS IS A NEW ISSUE ... FALSE CLAIM Capital One has continually tried to keep extorting me financially. In their last discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} credit in XXXX. That credit should have been applied to my XXXX payment. Which means that I do not owe for XXXX as they claim. 

Most recent discovery : On XXXX XXXX, 2016 they claim that they applied another credit to my account ; that credit should have been for the month of XXXX 2016. Which means that the month of XXXX payment has been satisfied. 

Capital One can not say that XXXX credit of {$170.00} was applied to XXXX because a payment was made for XXXX which they cashed. Therefore, giving all the payments and credits made for the 2016 year, how can the company still claim that I owe {$1200.00} for the same year and needs me to pay that before they can reinstate my account for monthly billing statement?? This is completely without merit. 
When credits are applied, should the credit not be applied to a particular month? Especially if you claim that the person is behind on the payment. So, what month did you apply the credits to??? 
I have called XXXX XXXX XXXX twice, from Office of the President, Financial Services Capital One. And, in both cases left him a message as always and he never called me back as always.
I do not bank with mastercard or usbank, however i was sent a debit card to activate in the mail yesterday. I have been trying to report a fraud but no one at the master card customer service can seem to help me. I did not order a card and think someone else did under my name. I need this card and account cancelled. Thanks
I sent to Ocwen Loan Servicing an early payment on XXXX/XXXX/2015 to be applied to my currently outstanding principle. I found out it was n't applied the date Ocwen received the payment, XXXX/XXXX/15, but was applied to XXXX/XXXX/2015 due date instead. I asked for the correction and the earliest day they can apply it to was the next due date, XXXX/XXXX/2015. This practice is consistent every time I make early payment, 3 times so far. As interest is accrue on a daily basis, why ca n't my payment be applied to my outstanding principle the date payment is received? This practice is unfair and cost consumer money. I 'm not happy and I wish something can be done to fix this practice at Ocwen Loan Servicing LLC .
Asked both XXXX equifax and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within 24 hours and after 72hours no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
I applied for a loan from XXXX different banks and found out that there was a charge off to my credit from Enhanced Recovery Co. XXXX , XXXX in the amount of {$93.00}. They were the XXXX co. that was hired by XXXX to collect a balance of a bill that I do not owe. I applied to XXXX XXXX on XXXX/XXXX/XXXX, to XXXX XXXX XXXX on XXXX/XXXX/XXXX, and to XXXX XXXX XXXX XXXX/XXXX/XXXX. The first XXXX were unsecured loans, with a 7 % interest rate as long as I scored a XXXX or better. The latter was a HELOC with an interest rate of 4.5 %. My credit score came in at XXXX and all XXXX said this charge off hurt my score. XXXX went to 8.9 %, and XXXX XXXX went to 9.4 % from 7 % specifically because of that charge off. XXXX XXXX XXXX denied my loan all together, sighting too many inquiries, most recent account opening too short, amount owed on revolving accounts is too high ( I 'm building XXXX homes and I use my cards as much as I can to finance construction till I can take draws ), and the charge off from Enhanced Recovery Co. On XXXX/XXXX/XXXX I returned to XXXX all their equipment in person to one of their centers. I handed XXXX in XXXX XXXX, XXXX a hand written letter and I verbally told her I wanted my service terminated as of that very moment. She took my equipment, handed me a receipt, and said it was done. I was under NO contract obligation. On XXXX/XXXX/XXXX, I get a bill in the amount of {$450.00}. I call right away ( I have all the dates names and times ) and dispute the fact that my service was to have been shut off. On XXXX/XXXX/XXXX, I get bill in the amount of {$650.00}. I finally got to speak to XXXX on XXXX/XXXX/XXXX who understood what was happening. His reason for the XXXX was that I still was using my comcast.net e-mail account and that was why I was being billed. I have XXXX other XXXX accounts that are still active today and were at that same time. My email is linked to XXXX of those accounts. I went back to the XXXX/XXXX/XXXX bill with the amount being {$250.00}. XXXX bills for next months services the prior month. I made a work sheet based on their billing on what I used up to XXXX/XXXX/XXXX. I added for taxes and all the other fees and I came up with {$150.00}. I sent them a check, and the next month I got a bill from them for {$92.00}. I refuse to pay for services I did not receive, including rental for equipment that I had previously returned. XXXX sent this to XXXX prior collection agencies, I spoke to them on the phone, and I mailed them copies of all my documents. I thought this was over with, and in XXXX of XXXX, I get another collection letter from Enhanced Recovery Co. I copy the same documents and send them to them. Evidently they discarded my documents and decided to put this mark against me on my credit report. Let me mind you I am XXXX yrs old and I have never mad a late payment to any one in my life. I sent them an e-mail over a month ago and followed up with a phone call and was told to wait XXXX days. It 's been XXXX weeks and it is still there.
I have 3 loans with Discover Student Loans and I have requested a lower payment, but they have said it is not possible to do before the charge off date of the loans. They are not willing to allow me to make a lower payment at this time in order to provide me with time to avoid charge off. At this point, they are forcing me to only move toward charge off of the loans because of their refusal to provide options.
Bank of America reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment
I have called spoke with multiple reps asked them to correct my personal information. I have requested the address XXXX XXXX XXXX XXXX, Mo XXXX removed from my credit report multiple times. Have been told it was removed to find out it is still on my credit report. This is not my address and I have never lived here. I am requesting this address removed immediately.