WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased an item for {$120.00} via XXXX. The item was damagedthe skirt was black with several bleach stains. I called Chase, and the representative, XXXX XXXX from the XXXX, filed a claim on my behalf. He told me that because the item had arrived damaged, I was protected under Chases guarantee that I do not have to pay for items that were delivered and were not as described. He said that I would receive a credit to my account in 24-48 hours, and Chase would get the money back from XXXX for me. He then told me to go ahead and discard the item. Chase recently contacted me to say that I had filed the claim past their 60 day window and reversed the credit. XXXX XXXX from the XXXX did not tell me about any window. I was informed that I needed to contact XXXX. XXXX said that, although they had ruled in my favour, because I had discarded the skirt, as per the instructions of the Chase representative, Chase would have to file a claim for fraud in order for XXXX to give me back the money. They needed the skirt in order to return the money. As there was no skirt, Id have to go through Chase. A Chase representative, XXXX XXXX, Account Supervisor for Claims Escaltion in Texas told me that even though XXXX XXXX told me to discard the skirt and that Chase would get my money back, it was my fault for throwing away the skirt, and Chase was not liable. I hung up and spoke to another representative who expressed shock that XXXX XXXX would make such a promise and tell me to discard the skirt and wrote up a formal complaint. He insisted that Chase could not pursue the claim, despite all of this and my explaining that XXXX was willing to give me my money back if Chase pursued a claim.
Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.
XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.
I met XXXX XXXX, XXXX, Cell XXXX, while at a XXXX XXXX XXXX  convention in XXXX XXXX, MO on or about XXXX XXXX or XX/XX/XXXX. XXXX had just purchased XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX in XXXX, GA XXXX. We both were members of XXXX XXXX. XXXX XXXX actively encouraged members to secure favorable, better than market purchases, purchases with given dealerships. Such opportunities being one of the benefits of XXXX XXXX memberships. I asked XXXX to find a new full equipped XXXX XXXX. For what ever reason he could n't or would n't deliver on that and asked me if a used vehicle would work and I agreed for a low mileage XXXX. On XX/XX/XXXX we closed a long distance transaction on a XXXX XXXX XXXX. All of XXXX 's paperwork showed this vehicle as a XXXX XXXX XXXX XXXX. However I later learned that this was actually a XXXX model with XXXX miles. XXXX XXXX, XXXX, Cell XXXX, was the sales person whom I did n't speak with until all paperwork for signatures for purchase. Whenever I phoned XXXX to inquire about the delay in moving forward with my purchase he never indicated that financial institutions were declining me. Then after we closed the transaction about six different financial institution 's decline letters began arriving. This gets us to my perception that this was a fraudulent loan transaction. And I just paid off my loan effective XX/XX/XXXX. <P/>As indicated earlier I personally met XXXX. So he knew that I was XXXX XXXX. One of the several attachments that I 'm forwarding you shows my then credit score was XXXX. Therefore I 'm confused about the justification or merit in enjoying a 7.59 % T. D. Auto Finance loan also evidenced on one of the attached documents. Finally it is my hope that reasonableness and fair play, equity is yet available even at this delayed date.
This is m y 2nd atte mpt to get this rectified with your organization in regards to thes e 2  accounts reporting on my credit file. I am making complaints against Equifax,    XXXX    and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these  2 a ccounts are on my credit file and where they originated from . I co ntinue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that.  Congress  states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company  at 3 s eparate addresses because the address listed on my credit file is not valid and was returned. I have only received  1  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mai l ( e ach time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on  XXXX  and  equifax.com th at the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.
I have excellent credit and the only times I miss a payment on a revolving credit account is when the vendor fails to send me a bill. XXXX ( aka car care XXXX from Synchrony bank ( formerly GE capital ) is one of several similar cards I have with this company. I also have a very large money market account with them. 

This is one of those specialty cards where you can purchase interest free for a qualifying purchase for a period of time and, presuming the account is kept current, and you get slapped with a 26 % interest rate if its either not paid regularly or in full before the deadline. They know I always pay in full and in time. 

I never received a bill in XXXX for an emergency car repair purchase that I was unsure would show up on the XXXX bill. And since I am busy and have no way to keep track of companies who refuse to notify me that I owe them money, I had no way of knowing I had missed a payment until the XXXX bill showed up. I immediately called the company to tell them that I had missed the payment because I had n't received the bill. The very nice customer service agent took off the late charge and told me that it would be no problem if I just made a double payment in XXXX. She assured me that she had notated the account. 

Three days later, I started getting regular calls from some number from Synchrony bank telling me that they had a call for me, then putting me on hold for XXXX minutes. Since I am busy and these calls came in during meetings or dinner, I hung up on the first XXXX and tried to call them back when I had time. When I called back, I got to someone who did n't even identify the company they were with or department. It took XXXX minutes of my precious time just to figure out this was collections. Once I determined this was n't security to tell me that my accounts had been breached, I told them that I had already called in to tell them that this was their mistake and been told to pay it when the payment was due later that month, asking them to check their records and leave me alone. 

In the intervening two weeks, I have received daily calls and a letter from synchrony, often at dinner time or other times during the day when they are not supposed to call. Yesterday I finally called the number in the letter, then spent XXXX minutes being transferred through XXXX and XXXX to finally get to an escalation unit in the U.S., but when I asked for her supervisor, was told that all she could do is refer me to her supervisor 's voice mail. NONE of the people that answered the phone identified who they were or what company they were with when they answered the phone. The supervisor never called back, despite me clearly stating that I would report this to CFPB if I did n't hear back from him that evening. 

I have scheduled payment for XXXX months, but suspect I am going to be slapped with huge fees and interest rates because synchrony ca n't seem to send out bills on a regular basis and keep their records straight. BTW, this is not the first time I have not received a bill from them for XXXX of the XXXX specialty cards I have with them.
My credit union, XXXX, reported late for XX/XX/XXXX 2014. I contacted them and they said they 're not reporting late to the credit reporting agencies. I disputed it with the CRA 's and received a letter from XXXX stating I was not late. I sent in that letter to Transunion ( to be specific ). My credit report was updated to show no lates. A XXXX months later it showed up late again, I disputed it again- it was deleted. I checked my credit this month and it 's showing up late again. I called Transunion to get it straitened out and they are trying to get me to dispute it which will take me another XXXX days- I refused. I 'm filing a complaint because my credit should not be harmed for all these XXXX because they keep letter something pop up late on my report which was proven, at least XXXX it was never late.
Repeated phone calls incoming from Portfolio Recovery from multiple numbers, including : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
I received a letter on XXXX XXXX XXXX Owed XXXX, account number XXXX From sent BC services For XXXX XXXX XXXX XXXX in my name stating that I Owed. A letter on XXXX XXXX XXXX was sent to BC services to validate the debt. on XXXX XXXX XXXX and itemize bill was sent to XXXX XXXX and not to me .Attachments will be added
Obtained Transunion Credit Report. Noted incorrect address, phone numbers that were no longer in use by me, and incorrect birth date. Also questioned XXXX bank credit card I dd n't recognize. XXXX XXXX called me and told me name of card they had issued so I assume call was initiated by Transunion. The information was correct. Incorrect address and phone numbers were removed from report BUT they still have my incorrect date of birth. I sent them by certified mail a copy of my birth certificate and my driver 's license and they still have inorrect birth year of XXXX. My birthdate is XXXX XXXX, XXXX. 
Please have them correct my birth date on their report. 
XXXX XXXX XXXX XXXX
I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items.
Describe what happened so we can understand the issue ... 
Contacted on XXXX XXXX CST by XXXX XXXX HR Manager ( XXXXXXXXXXXX ) and Hiring Manager and XXXX XXXX ( XXXXXXXXXXXX ) Human Resources Department for XXXX XXXX XXXX XXXX for a online interview and briefing for a position on the job search engine XXXX., All of the company history and stats were provided. Our temporary office is located at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX, United States. Expanding their businesses/customer reach by setting up a branch in XXXX, AL which will be commissioned on the XXXX of XXXX and that 's why we are employing online. I was advised that it will be strictly an online and work from home job until the branch is commissioned. The working hours are flexible and you can choose to work from anywhere of your choice. The pay is {$25.00} per hour during full working hours and the training is {$18.00} per hour and you will be getting your payment weekly via check or direct deposit working 30 to 40 hours weekly ( 6-8 hours daily ). If you are employed, you are going to be working as a full time employee and not an independent contractor. Benefits : Health, Dental, Life and AD & D Insurance, Employee Wellness and 401k plans. Paid Time Off and Holidays with Generous Company Discounts. 
The website was provided and the position description, Also, particular software was needed for the position and their would pay for it ( XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, XXXX, XXXX and a Time Tracker ). The funds for the software/working equipment will be provided for me by the Company via check. The check will cover the cost of a laptop, printer, scanner, time tracker with a fast internet connection you need to start working with. The check was mailed and delivered to my home via XXXX or USPS courier service and once I receive the check ; I needed to have it deposited to my bank account for immediate clearance. The funds will be credited and available in your account for cash out within 2 business days. I needed to purchase the working materials from any of the their certified vendors who we have been buying from for years. A check was mailed via XXXX. I opened a separate business account just for this job. On XXXX/XXXX/16 the check was deposited. Regions back cleared the check on the XXXX. I took the monies allocated for supplies and deposited in the vendor account with XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX : {$3600.00}. 
The bank cleared the check and then held me accountable for the cashier check not being valid. I have the bankers name and documents to support all.
On XXXX XXXX I submitted an online dispute to Experian because a collection popped on my credit report from XXXX, a collection agency due to inaccurate information and medicredit failed to submit to me a validation of the debt. Within 8 days Experian results came back as the account will remain. So I called Experian and spoke with a special solutions rep by the name of XXXX and he stated that they electronically processed the dispute and XXXX responded by saying it was valid. I asked XXXX did they send them any documentation and XXXX stated that they do n't have to have documentation the creditor just reply either the debt is valid or not. I told XXXX that was not correct they have to send validation of the debt because that 's pretty much saying anyone can lie and say the debt is valid. XXXX said NO they reporting the account correctly. SO XXXX XXXX, I sent Experian a certified letter asking for a METHOD OF VERIFICATION that they used to validate my debt along with my Id and social security card because I have a right to request how the debt was validated with Experian ON XXXX XXXX I received a notification stating my results were ready, the account still remains on my credit report. Experian did not send me anything if my credit file to show proof of their investigation or what records they have in my file containing this debt. FCRA 611 ( a ) states I have a right to contact the credit agencies with the proper identification and request a reinvestigation to determine if the disputed information is accurate. Experian did not do that, I requested a description of the procedure used to determine the accuracy and completeness of the information and did not receive what I requested. Experian is violation of my fair credit reporting rights and something need to be done and addressed about it. XXXX and XXXX deleted the account due to the company failure to provide accurate information but Experian did not. So are they saying they are the only ones who received accurate information from XXXX? And if so where is the accurate information and why did n't they send it to me.
Upon checking my XXXX Comenity Bank account on XX/XX/XXXX, after notified by a text from XXXX on XX/XX/XXXX and XX/XX/XXXX, I saw a list of late fees and minimum charges on my bank account, totaling up to {$84.00}. This charge should not be here in the first place since I have always make my payments on time ( please check all the statements from before as well as all my credit score if you can get it ). I have scheduled my payment for statement of XX/XX/XXXX ahead of time and selected pay on the due date, which is XX/XX/XXXX. However, the system only posted the payment on XX/XX/XXXX. I would not know this payment was late and only posted in XX/XX/XXXX until Comenity Bank contacted me via text on the XX/XX/XXXX and XX/XX/XXXX. ( I do not touch this account unless I know I have made purchase with it ) I have contacted collection department of Comenity Bank and escalated the issue to upper management, spoke with XXXX and she could removed part of the fee but not all the unjustified charges off my account. 
It is obvious how credit card company 's only way to make their profit is by incurring high dollar charges under various reasons. In this case, the online banking system used by Comenity Bank is at fault, in which it wrongfully posted the payments 2 DAYS later and incurred unnecessary charges.
XXXX, Equifax and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , Equifax and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX  XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX , XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX , XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX , XXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Since XX/XX/XXXX, my wife and I have received 33 telephone calls / hangups from FMA Alliance. I finally spoke to them on XX/XX/XXXX, after researching the telephone number. The person did not identify themselves, but I confirmed that I was not the person they were seeking. I requested they stop contacting my home telephone number. 

Since XX/XX/XXXX, my wife and I have continued to be harassed by FMA Alliance. We have received 14 calls. I answered the call on XX/XX/XXXX, and once again requested that they stop harassing us since I was not the person they were seeking. This person also did not provide identification. 

Since XX/XX/XXXX, we have received 4 calls from FMA Alliance. However, these 4 calls have been from ( XXXX ) XXXX instead of ( XXXX ) XXXX, which has been used for the other 29 calls. 

Please help us make this STOP.
Please do n't call me regarding this complaint. I want a written explanation for the following question for legal purpose. I am not expecting any promotion from BOAHere is the question******* Beginning of question *********Why BOA did n't inform/disclose me that I am not eligible for promotion before I open my account and why they did n't open the right account knowing my intention is to get the promotion? 
XXXX End of question **************They tricked me to open an account and later told me I am not eligible for promotion. 

XXXX XXXX XXXX BOA XXXX or XXXX XXXX please do n't contact me instead answer my question in writing and please do n't talk about promotion eligibility as you have already explained that many times. I am not looking for any promotion. 
Our BOA Business Checking account # is XXXX
I have tried to dispute the validity of the loan with Navient and was declined in XX/XX/2017 then today showing on my credit report just 1 of the multiple loans increased over {$600.00} and no explanation.
Transunion credit report shows additional person with same name living at a different address in a different state. I requested that they correct this report. First request made on XX/XX/XXXX with confirmation email. Every time I go back to the website to check the status of this request it keeps getting pushed out. Next currently reported status update is XX/XX/XXXX. They aren't doing anything with this, they just keep rolling it over. they need to remove this other person who is listed on my credit report.
my account was closed and no notification was given. When I called to find out why my account was closed I was not given a reason. I was just told that the issuer had closed the account when the card expired.
A collection popped up on my credit report XX/XX/2018 and it was suppose to had been taken care of. I paid it XX/XX/2018. For mortgage reasons me, my mortgage Lender, realtor, The original creditor XXXX XXXX/ XXXX, and The credit bureau started calling CBE group collection agency XX/XX/2018 To get the account Removed from my credit report. We Could not get in touch with them. They never answered the phone And they never called the creditors back. I was supposed to close on my house XX/XX/XXXX then XX/XX/XXXX we had to ask for another extension Because we couldnt get in touch with CBE group. The credit bureau just need to hear from them and them state that this was paid In full and to remove it. I dont want to lose my house.
On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and Bank of America. There could be more but these are the two which I received letters for.