WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Chase Bank, XXXX XXXX XXXX, XXXX IL XXXXEarlier this year my son ( XXXX years old, no job, no income ) and I walked into this branch, where my wife and I have all of our accounts. My son requested a credit card, and the " banker '' asked me what my household income was. I asked my son to turn around, and I whispered to the " banker '' that it was in the " XXXX figures ''. I told the " banker '' that I would not be a signer on my son 's credit card account, not as a co-signer, not as guarantor. The " banker '' assured me that I would not be responsible for his account. The banker DID NOT explain to me AT ALL that the " household income '' number that I gave him VERBALLY would play a major and primary role in determining the credit limit that they granted to him. I left the branch and my son stayed with the " banker '' to complete the application. I did n't sign anything, nor was I given any disclosures. 
A few days later my son received the Chase credit card in the mail with a {$33000.00} credit limit!!! 
YES, that 's correct A XXXX XXXX XXXX DOLLAR CREDIT LIMIT for a XXXX year-old who has no job, no income, and NO ASSETS. 
As far as I am concerned the " Banker '' who filled out the application committed fraud because he did n't disclose to me the purpose of the " household income '' number and did n't tell me that it was going on the application. 
I consider the action by the bank to be predatory, outrageous, but unfortunately, I 'm not surprised at all. Chase wants him to run up a large balance, charge him 20 % interest and then he will be servant to him for the rest of his life. Another bank being such a good corporate " citizen '' helping a XXXX year-old start his life in the hole .... 
Today, my son told me that he has a {$5000.00} balance, does n't have the money to pay it, is very depressed over the issue and had not be able to concentrate on his life for the past month or so. I called Chase and asked them to withdraw the " household income '' number from the account, as it was used fraudulently. I was hoping that by doing so, the bank would then recalculate his limit to a much, much, much lower level. Of course the bank said it ca n't be done and that they have to call my son to get his approval to lower the limit. I told them that per the legal credit card agreement the bank can reduce the credit limit at any time without asking the customer ( my son ). I said that my withdrawal of the " household income '' number should give them sufficient reason to reduce his credit limit. I told them that if my son knew I was talking to them he would n't talk to me for many years! But, of course the bank could n't do anything and as such, my son still has his {$33000.00} credit limit.
In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. 
Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. 
I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.
In XX/XX/XXXX, I paid for flights to XXXX XXXX, XXXX XXXX ( for XXXX in XX/XX/XXXX ) using XXXX XXXX Thank You rewards points and {$20.00} on my credit card. I purchased the tickets on XXXX 's XXXX website. At the time I used the points, each points was worth XXXX cents each if used for flights on XXXX XXXX, which means I was able to use them to purchase flights worth a total of {$990.00}. It took me a long time to earn {$990.00} in Thank You points, and I was relying on being able to use them at a value of XXXX cents each when I signed up for two Citi credit cards and paid the steep annual fees ( {$350.00} for one ) and used them instead of other credit cards for many purchases. 
After I traded in my points for flights, on XX/XX/XXXX, Citi reduced the value of its Thank You points, such that XXXX point is now only worth XXXX cents each if used to buy flights with XXXX XXXX. 
As everyone knows, XXXX XXXX devastated XXXX XXXX in late XXXX. XXXX XXXX had to cancel many flights, including ours. In XX/XX/XXXX I called XXXX to request a refund, and that refund was issued on XX/XX/XXXX. As the attached email from XXXX shows, the refund amount was {$330.00} for each of the XXXX tickets, for a total of {$1000.00}. XXXX says the refund went to a " XXXX ending XXXX, '' which must be the card that Citi used to pay for the tickets. ( I paid with points, and I never had a credit card with these last four digits. ) On XX/XX/XXXX, I called Citi to ask how I would be refunded the {$1000.00}. I said I would prefer a check. The agent told me the refund would be in the original form of payment - Thank You points and a {$20.00} credit card refund. I explained that I did not think that was fair since Citi reduced the value of Thank You points by 22 % after I used mine. The agent apologized and encouraged me to file a complaint online or with the CFPB, since there was nothing the agent or their supervisor could do to make up the difference for me. 
On XX/XX/XXXX, Citi credited the XXXX Thank You points back to my account.
I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.
I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.
In XXXX my ex-husband and I purchased a town-home, in XXXX we divorced and I was awarded the home in our divorce settlement. The original loan processor was Aurora which was bought out by Nationstar in XXXX. I acquired a loan modification in XXXX on the property which my ex husband did not sign and I was told that he would be removed from the loan MANY times by Aurora and Nationstar. He is no longer on the deed but he is still on title/note. I asked Nationstar if my loan was assumable ( trying to remove my ex-husbands name since they did not do what they said ) but they said no which is not true due to the Garn-St German Depository Institutions Act of 1982, this act allows non-assumable loans to become assumable in certain situations such as divorce. I can not afford to refinance and Nationstar is not working with me on my assumption request.
Capital One is ripping customers off with their so called " promotions ''. They give you a lower interest rate for XXXX or 7 months and if you do not call them they automatically give you the highest rate without advising you and you can go on for months without knowing and paying the highest rate. I know our senior citizens ae serious victims of this.
My husband and I were trying to get a modification on our house and that back in   XXXX   XXXX   is when filed for this with our HUD certified mortgage modification  counselor.  We in default on   XXXX   XXXX   because we still could n't pay in full and the modification was denied. So filed appeal because they had said that the VA said that we are in the negative balance of {$80.00} and that is what  Sun West h ad told my HUD  counselor.  I turned in the appeal so this papers were in and with all the proper documents and adding income with extra dependent that I have legal guardianship of her. So then they ask for more on   XXXX   XXXX   and extra documents plus more info on my dependent. Like Social Security info and her account info from bank.   Then in   XXXX   XXXX   they asked more specific paperwork for my dependent like if you  may pr ovide her birth certification. I just send the award letter for Social Se curity Office an d thats it.   In  XXXX  they asked again but in this wording we will require copy of birth certification or any other documents to verify the dependent 's birth date.
Experian has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account documents.
I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an Experian company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around XXXX before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from Experian regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
In 2017, I had vandalism at my property and my siding needed to be replaced. I contacted THREE companies and put the project out for bid. Sears ( the company in this dispute ) sent a representative and gave a great presentation. As I sat at my dining room table, I told the rep that this was 100 % insurance. It was clearly a vandalism / insurance / police matter. I also was very clear that I have around an 800+ credit rating. I do NOT carry balances on Credit Cards and I do NOT use store credit cards ( only big banks ). I did not want to sign up for any " CREDIT ''. I also wanted to wait and hear the bids from the other two companies. For the next 15 minutes - I signed my name about 30 times on so many  documents. Again, very clear that this was a project OUT FOR BID for an insurance transaction. 

The next week - I got a call that a crew was on it's way to my home and I received a credit card statement. After many calls, I was told that I opened a credit card for nearly {$30000.00} with Sears and they had my signature. This was also the same day that I signed an agreement with another company ( who did NOT require me to open a credit card and dealt directly with my insurance company - they were also thousands less and used the same product ). 

Month after month I was told " well, you signed it '' and bills kept coming in. There was a fee for " work already performed '' which they called a survey. NO ONE was at my home for this. I fought this on principle and would not pay this bank. Further research showed that this is a pretty regular practice for this company. There are complaints at the XXXX and the FTC. I also read reviews on the websites for home repair and I am not the only one that experienced this practice. 

I am VERY disappointed that a company that WAS reputable at one point in time has challenged one of their former loyal customers over a few hundred dollars after being deceived at my own dining room table - IN MY HOME. Very upset. 

I will fight this until it is made right.
On XX/XX/XXXX, someone was able to gain access to our checking account, create an XXXX XXXX card, and make an online purchase {$10000.00} from the XXXX XXXX at the XXXX XXXX XXXX Store in XXXX XXXX XXXX. They were able to do this by requesting a temporary daily purchase limit to {$11000.00} once they gained access to our account. 

On XX/XX/XXXX, I noticed the purchase on our account when doing my weekly check of the checking account. I made a claim on the day to recover our money. We told them that my wife received two strange phone calls on her cell phone on Saturday, XX/XX/XXXX at XXXX and XXXX XXXX. She called the numbers back and at the time, we thought she may have provided her social security number to an automated system that the scammer created. Bank of America provided a claim number ( XXXX ) and stated that it would take two weeks to do the research and provide a resolution. 

On XX/XX/XXXX, we received a letter stating that our claim was denied because it wasn't fraud because my wife provided her social security number to the perpetrator of the scam. I asked for an appeal because since then we gained more clarity of the situation with the phone calls. I faxed and mailed a letter with this discover which will be attached to this CFPB complaint. I will summarize the contents of the letter below : 1. As I stated, my wife received two phone calls at XXXX in the XXXX on XX/XX/XXXX. The first number was ( XXXX ) XXXX. This number is the main toll-free number from Bank of America. However, Bank of America stated that they would never call a client at that time of the morning. So, it is our assumption that this number was " spoofed '' by the perpetrator. The next call, which was a minute later, was from a XXXX area code. None of these calls were answered. 

2. At XXXX and XXXX, my wife called these numbers back. She called the XXXX area code phone number first. It was was a bad number, so there was no answer. Then, she called the ( XXXX ) XXXX, which is the Bank of America main toll-free number. The automated system that she provided information to was Bank of America 's. The phone records and cell phone log are appended to the letter which is attached to this complaint. 

In conclusion, we were denied because it was believed that my wife provided her information to the third party. However, we believe that this is the wrong conclusion because the information she provided was the Bank of America automated system at XXXX on XX/XX/XXXX. I am asking that the denial be reversed and our money be reimbursed due to the fraud on our account.
I have tried repeatedly to resolve this issue with Navient 's customer service and they have been extremely unhelpful. I refinanced my student loans and on XX/XX/2018, XXXX XXXX XXXX sent Navient a payoff on my behalf in the amount {$45000.00}. This payment cleared their bank onXX/XX/2018but still has not posted to my account. I contacted Navient several times by phone and was told to " just wait '' until the payment posted. Finally, on XX/XX/XXXX, I was told Navient would need proof of payment before they would begin a check research. I contacted XXXX XXXX XXXX who was gracious enough do a conference call with myself and a Navient representative ( because Navient would not speak with them without me on the line ) and XXXX was given a fax number to send in the proof of payment. I also uploaded this proof of payment onto my Navient online account on XX/XX/XXXX and was told the research would be completed by the end of the month. I have called several times since then to check the status of my research request and no update can be provided. My student loans are now showing past due and I should not have to pay more money when my account with Navient should have been paid off a month ago.
Citibank called the merchant and discussed my dispute without my knowledge or discussion of my issue. They then notified me of the " settlement ''. 

I closed the account. Not likely to ever use them again no matter how low or long the 0 % rate is.
I received my card in the mail today and when I called to activate it they told me the card was fraudulent and that I had to reapply. They said they called the owner of the account on the XXXX of XXXX and he said he never applied for a card. They did n't talk to me so I do n't know who they talked to but they are basically telling me I have to reapply which means I get another inquiry on my report and will hurt my score. They also put me on hold for over an hour then hung up. They can easily contact me again or investigate but they simply want me to reapply again which is damaging to my financial health.
here is the problem with you not doing my dispute sence XX/XX/2018  when I dispute you dont notify me with in the 30 days and never have a way to attach the proof and I was subject to your data breach and you said you dont care so I reported you as a terrorest attck on my credit report and I am disputing again though this email with an account you refused to fix 3 times with proof attached to FTC complaints well once again her you go. 
XXXX XXXX XXXX XXXX Hide Details XXXX XX/XX/2018 {$72000.00} XX/XX/2018 {$620.00} PAYS 31-60 DAYS N/A XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, KY-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$71000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/2018 Balance : {$72000.00} Date Reported : XX/XX/2018 Amount Past Due : {$620.00} Date of Last Payment : XX/XX/2018 Actual Payment Amount : Scheduled Payment Amount : {$600.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : USDA Real Estate Mortgage Loan ( US Department of Agriculture ) Date of First Delinquency : XX/XX/2018 Comments : Consumer disputes - reinvestigation in progress Attached receipts show XX/XX/XXXX and XX/XX/2018 payments to XXXX XXXX  XXXX XXXX paid so this is false reporting by XXXX XXXX  so this needs to be removed and you keep telling me to go to XXXX twice with those exact words. well attachments is the proof I need when I take you to court so fix the problems and want all removed permanently per your terms and conditions in your credit reporting information you mailed me about credit reporting Equifax procedures.
Someone has used my identity to open multiple credit accounts and order goods. I have received XXXX new credit cards in the mail in 2 days time. I filed a fraud alert with Equifax before I knew how many accounts had been opened. I attempted to obtain my free online reports from the XXXX agencies and my request was denied by all. I have no idea how many other accounts may have been fraudulently opened in my name or how many purchases have occurred.
Wells Fargo received an entire loan modification on XXXX XXXX, 2015. As of today XXXX XXXX, 2015 Wells Fargo Bank still has a Foreclosure Sale Date for XXXX XXXX, 2015. We spoke with XXXX XXXX of Wells Fargo Bank on XXXX XXXX, 2015 who verified that Wells Fargo hadreceived the documents on XXXX XXXX, 2015, XXXX XXXX stated that Wells Fargo tried to contact the borrower XXXX on the wrong telephone number ( XXXX ) XXXX, despite having the correct telephone on the RMA and the authorization submitted ( XXXX ) XXXX XXXX. 
Wells Fargo is stating that XXXX items were missing from the submission, however, they have never identified what those XXXX items were. When asked did a letter go out, XXXX XXXX says a letter went out on the XXXX of XXXX 2015. However, when speaking to XXXX XXXX of the office of the President he says no letter went out. Therefore, Wells Fargo chose to ignore the submission for the purposes of foreclosing on the borrower, otherwise they would have contacted the XXXX party or the correct number on the RMA which is a legaldocument.
XXXX XXXX DBA XXXX XXXX has on my credit file a {$280.00} dollar amount showing on my credit file. There is no {$280.00} dollar written off amount. 
there is no money owed on this account or written off. 
I need proof as I have provided to Experian that the account was paid off and there is no amount owed. 

I have mailed from the creditor as proof there is no written off amount or balance owed. 
I have provided a letter from the credit department to show proof of the account
ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.
Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? Equifax needs to furnish me with a medical release form or remove these accounts. I AM NOT ASKING FOR VERIFICATION OR VALIDATION. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
I received XXXX hard copy letters from Navient offering a reduction settlement up to 70 % of the balance ( see attached ) but when I called I was pressured and bullied into {$600.00} payments, no reduction and told I " was n't eligible '' for that letter ... .no matter that the letter had MY NAME and MY ACCOUNT NUMBER. My Mom is XXXX yrs old & a cosigner on some of the Navient, they called her XXXX15 times day ... .I felt no options existed for me ... give Navient what they want or watch my Mom so imperiled by the harassment ... ... {$600.00} is well over 25 % of my monthly take home and after XXXX it will be 40 % of my income monthly. I believe those letters were a dishonest ruse, a bait-and-switch ... .jsut to get consumers to call them ... .the letters were a LIE but I also believe that Navient put the reduction offer in writing and therefore should be held to it. I am contacting your office, the AZ XXXX and XXXX XXXX XXXX
I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP