WillisBack/dataset-financial-user-claim huggingface dataset:
I've been disputing Chase on a charge in the amount of {$530.00} by XXXX XXXX XXXX on XX/XX/18, credit card acct # XXXX ( XXXX ). On XX/XX/18, I, in error, paid chase {$540.00}. I called and verified my payment details with the manager at XXXX via a conference call with XXXX XXXX. However, Chase only refunded {$450.00}, on XX/XX/18. Chase still owes me {$88.00}. Several months later chase put {$450.00} back on this acct. Chase have consistently lied to me, refused to return my calls, or resolve this issue. 
XX/XX/18 I retrieved mail from my XXXX XXXX . Enclosed were copies XXXX XXXX XXXX sent to Chase. XXXX ( chase ) sent the copies ( 16 pgs. ) to me XX/XX/18. These documents have my detailed payment transaction to XXXX. They show the last 4 digits of the card used ( XXXX ), exp. date, my name and address at the time, and date of transaction, XX/XX/18. Nowhere in these documents does it show the use of a chase card # XXXX. This is irrefutable proof that chase refuses to acknowledge. 
I appreciate your attention to this matter. 
Thank you, XXXX XXXX, Ph. XXXX XXXX XXXX. 

Ps : I have attached 4 pgs. of 16pgs. as proof.
I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.
On XXXX XXXX I deposited a XXXX $ check through the ATM. On XXXX XXXX my bank froze my accounts. Claiming they were just trying to verify the funds on the check. I asked why my accounts were frozen. They couldnt speak to that matter. Claiming they shouldnt of been they were just trying to verify the check and they cant unfreeze my account. I called later that afternoon and spoke to the fraud dept once again. This time the representitave said that my account was frozen due to supsicious activity on my end. I then revieved a phone call from the branch claiming thats not true and that it is due the check and verification of funds.On XXXX XXXX my acct was still frozen and noone has any answers for me. Except the individual who wrote me the check. He supplied a photograph showing the check cleared and everything ok on his end. As of tues XXXX XXXX. My bank will not unfreeze my account. And noone has a answer and will not tell me anything. Especially since I have showed proof of the check being cleared. I have had deposits get rejected in light of this. and it has put me behind in rent and my business in jeopardy.
Effective XXXX XXXX, XXXX, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have XXXX bankruptcies on my report and XXXX lien.
XXXX XXXX XXXX XXXX XXXX Credit Management LP XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Re : Dispute of Collections Action To Whom It May Concern : I received an alert of my credit report change and found the following errors. See the attached copy of my account alert. 


Reason for dispute : I have had no interaction with your company and do n't owe you anything. 

I am hereby requesting that you confirm the fact that I owe any debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. 

Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notify that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. 

If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the original application, bills, records of communications and payments, name/extension/phone number of person whom assisted you to verify said debt, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days. 

Sincerely, XXXX XXXX
Dear CFPB : I am filing a new dispute . Chase did not address the issue presented. In a letter from Chase it is started I did not return the item in the alotted time to receive a refund. This is not true. I am enclosed documentation of when the item was received and when the item was returned. The  item was delivered on  XXXX  -17 an d the item was returned on  XXXX -17.     Here are the items attached  : 1. Email from the Merchant  dated  XXXX   XXXX ,  2017 2.   Letter from Chase  dated  XXXX   XXXX ,  2017 3. Postal Receipt  of when the item was sent to the merchant.  XXXX   XXXX ,    2017 4. Postal R eport of when the item was received by the merchant, signed for by the merchant.  XXXX   XXXX ,    2017 It 's no t true the item was returned 30 days later as stated by Chase.     I hope to receive an appropriate resolution soon.     Thank you,  XXXX   XXXX
Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.
Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.
My wife and I have "owned" this home since XXXX.  When we bought the home in XXXX, we had a mortgage with XXXX which sold it to Nationstar.  We are the parents of XXXX children and until XXXX of XXXX, we have been a family of 8 on 1 income.  My wife went back to work in XXXX at the school that my children attend  and with careful planning and budgeting it should have helped, but it didn't.  We've spent so long robbing XXXX to pay XXXX that we were ignorant in our efforts to establish a coherent budget that we could follow.  We were caught up on the mortgage through XXXX and then one missed payment became many.  Towards the end of XXXX we received our monthly statement from Nationstar stating we had an amount due of $XXXX.  We were prepared to pay this with our tax return, hoping to get caught up and make on time monthly payments and get out of this hole that we're in.  But unfortunately, it doesn't work like that.   I called them on Friday, XXXX to make the payment and was told I had to call back on XXXX.  Ok, no problem.  They gave no other information and no indication that there would be a problem.  So, on XXXX my wife called.  I work 3rd shift and was sleeping, so she called to try to get this resolved.  They informed her that we are in "active foreclosure" and that our account was sent to foreclosure on XXXX.  Wait, what?  My wife and I take full responsibility for being in the situation that we're in, we screwed up.  Here's the part that I have an issue with...  At no time did they contact us.  Not once.  There were no phone calls, no voice mails, no standard mail or certified mail. Not even an email.  Absolutely nothing.  The only correspondence we've received from them has been our monthly statement.  Which aside from indicating that we were late and owed a ton of money gave no other information.  In order to remedy this situation, we now need to pay $XXXX to a law firm that has been retained by Nationstar.  Again, we have gotten no correspondence from them either.  If we as consumers are held responsible for our actions by way of financial punishments (i.e. foreclosure, etc.) when do the financial institutions get held accountable for not following due process?  It's very frustrating.  So, since XXXX, I have been working with a XXXX housing counselor and I contacted CFPB to see if they could shed any insight on my situation.  I've done this with the understanding that they may not be able to do anything to help, but my hope was that they could at least offer some insight and point me in the right direction.  And so far I have not been disappointed.  Unfortunately, I am still at the mercy of Nationstar to grant me a loan modification, in the hopes of saving my house.  To anybody reading this, I would say this:  Do not wait until it's too late to take advantage of resources that may help you fix a situation, or avoid one altogether.  Unfortunately it doesn't take much to let things get away from you with the intent of fixing it tomorrow or next month, and then letting it drag on until it's potentially too late.
I am a cosigner for both of my son 's loans with Discover Student Loans, now being serviced by XXXX. I have repeatedly asked for a statement for income tax purposes showing how my payments were allocated ( I do not see any of this on their payment screen and can not make an option ). Representative XXXX, has emailed me numerous times over the last week or so that they do no give out that information. If I am remitting payments/monies toward scheduled payments, then I believe I am entitled to a statement and any documents necessary for a tax return.
After a big mess up with my military benefits and school loans, I found out how to access my credit score and I was in the process of repairing my credit as a result. In the process, I noticed that SEVERAL hard inquires were made, XXXX. They were on or near the same day and not done with my permission. I contacted said businesses and questioned them about why such inquiries were approved. I found out that someone ( thankfully that I know ) who had access to my SSN was the culprit. When I asked why a form of photo identification was n't used, I received the same answer resembling that of using paper applications and that there was nothing that they could do. I was perplexed because I just bought a car, and was asked for some form of I.D . among several other personally identifying documents. I proceeded to contact Equifax directly via their online dispute application. Due to my dispute now being expired, I am unable to view it and repeat verbatim what my reply from Equifax was after their investigation, but I am now faced with basically " sucking it up '' after being told that the hard inquiries would not, in fact, be removed as it was an accurate depiction of my credit being requested and then granted. I 'm not proficient in matters such as this, so I may be naive, but I thought companies like this were able to help you in the case of identity theft. Thankfully, I do know the individual responsible, and know that they have a criminal background so I can let the authorities handle that part, but it 's infuriating that my only option, in the eyes of Equifax , is to wait out the 7 years until it drops from my credit report.
I have contacted Equifax about XXXX accounts on my credit report advising that I have settled these accounts but they still continue to report that the balances have not been taken care off. I am told to contact the creditor that reported on my credit report which I 've done and it is still not corrected.
XXXX XXXX XXXX XXXX XXXX XXXX told me that the cost of my XXXX work would be {$40.00} because my wife had really good insurance. Then after the work was done it was {$450.00} because there was some kind of error. They told me they would do an audit of my account to see what the difference was and get back to me. They never got back to me. They just sent me a bill which I did not pay because they told me they would do an audit of the account. My wife and I called them numerous times and they never gave an explanation. If they had told me it would have been that expensive at the start I would not have had the work done. <P/>Then we came to find out that they reported the account to collections as it is now on my credit report to AWA Collections on XXXX XXXX, 2016. AWA has never contacted me to get the debt resolved they just added it to my credit report which I feel is unfair.
Wall Mart credit card Wil not allow a payment made XX/XX/XXXX16 to be credited to XX/XX/XXXX16. I have talked with customer service when this problem happened in XXXX. Wall Mart does n't disclose hat the cutoff date for billing month is. Last month it was the XXXX. It changed this month and customer service wallmart credit card wo n't allow a payment made XX/XX/XXXX16 tone credited to XX/XX/XXXX16 due date. My name is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Card # in dispute XXXX XXXX XXXX
My query is with the company Discover Bank.I have contacted Discover in reference to account open in my name..They also receive a copy of Identity theft report from credit bureau when I disputed this account..I have asked for proof of my signature or any viable document that represent me entering into business venue with them ... I have now nor never done business with Discover..I have not applied for credit since XX/XX/2015 ...
I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows cascade receivables management, but when I contacted this number the recording states, office of XXXX or XXXX. I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from 2009. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from 2009. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after 6 years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.
I have been a victim of identity theft for many years and two collections were placed under my credit report from Capio Partners LLC, I have try many times to tell this company and their subscriber that, that account does not belong to me and I'm not getting no response from them. I have contacted all credit bureaus and dispute these collections. I truly need help with this company informing them that these account are from Identity theft.
I needed to pay property taxes on time to avoid fees and tax increase. I had funds in Chase Bank and contacted Chase to assist me with this payment : on XX/XX/18 spoke for 16 minutes, on XX/XX/18 at XXXX XXXX I made a tax payment, then spoke with Chase to double check that payment would go through 5 times : at XXXX XXXX, at XXXX XXXX, at XXXX XXXX XXXX XXXX, at XXXX XXXX, at XXXX XXXX. 
On XX/XX/18 they called me at XXXX XXXX to inform me that I can not make property tax payment with them since they do not allow to make tax payments and will contact the XXXX County to cancel the payment, then I transferred money to another bank to pay my tax on time. However later I learned that payment still went through and there were no funds as I transferred the funds. 
As the result I was hit with over {$6000.00} NSF fines. Then I contacted Chase executive office asking them to either pay that fine or provide me a letter with detailed explanation of their error which I still did not receive. I spoke with XXXX at executive office at length, I only asked her to send me a letter with the response, she talked a lot I could not even understand what she was explaining. I never sent me her explanations on paper.. 
{$6000.00} is a lots of money, I made payment in good faith, I had money but Chase misinformed me as the result I am subject to a huge fine where I am at no fault. I have to work for 3 months all days long to make that payment and Chase has created hardship for me.
I had a loan through them prior. So I logged online to do the no inquiry rate check on a new loan. I put all my info in and it said I was approved. The rate was too high for my credit score so I decided not to go any further with the application. It was also asking me to upload my paycheck stub to proceed any further. Which I did not do. Then a few days later LendingClub deposited the funds into my account! Come to find out buried in the phone book of size 1 font disclosures, just by checking my rate from the invitation they mailed me, they had singed a promissory note on my behalf, waived proof of income and proceeded to financially XXXX me and deposit funds into my account. I sat on hold twice for over an hour before finally hanging up. I sent 20+ emails to XXXX and XXXX. I asked them to immediately cancel this loan I did not consent too and was told I had to pay back some XXXX dollar hidden fee I didn't even know about! Finally someone named XXXX emailed back and said they would cancel the loan. They took the deposit back out of my checking account but when I log into lending club it still shows I have two payments remaining for XXXX dollar fee theyre trying to charge me. This is crazy. You call and they say you have to talk to customer service where you sit on hold for eternity. I have emailed multiple times and they keep saying they're working on it. It's been 5 days! This is so wrong what they did. I work in finance.. think of all the people that don't know any better and lendingclub just gets away with it. There are so many FTC/UDAP violations they're breaking here. Please help me get this loan I did not consent to canceled and ensure they don't do this to unsuspecting people in the future.
On XX/XX/2017 I made a complaint with CFPB concerning Auto Trakk. I also sent them a certified letter and disputed with all XXXX credit bureaus. Their response to my complaint was as followed " Auto Trakk, LLC 's records reflect all appropriate notices were provided to customer both pre and post possession of the vehicle the customer leased. '' That is not true this company is re-ageing an account and is not validating this debt which is against FCRA. I have attached a letter I received from Auto Trakk asking for my social security #, address and phone number. So what information is they sending to credit bureaus???? If this account is removed from all XXXX credit bureaus IMMEDIATELY, I WILL SUE!!!
Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. 

A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.
We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property.
my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.
On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.
XXXX  THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN   XXXX    XXXX  REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY  XXXX  CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE  XXXX  INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   - XXXX / XXXX /2017- XXXX / XXXX /2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    - XXXX / XXXX /2017   XXXX   XXXX     XXXX   XXXX   AND   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    F  XXXX   XXXX   XXXX   XXXX   AMICO INVESTMENTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX