WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I was approved for the Chase Freedom Unlimited Card for a credit limit of {$1500.00}. ( See attached evidentiary documentation ). On or after XX/XX/XXXX, I was approved for the Chase Sapphire Reserve Card for a credit limit of {$10000.00}. Id. On XX/XX/XXXX, I was approved for the Chase United MileagePlus Card for a credit limit of {$15000.00}. Id. On or after XX/XX/XXXX, I  was approved for the Chase XXXX Rewards Credit Card for a credit limit of {$10000.00}. Id. <P/>On XX/XX/XXXX, I faxed my U.S. Passport and my local utility bill responsive to Chase 's inquiry Reference # XXXX. Id. On XX/XX/XXXX, Chase deactivated all four credit card accounts, without notice. The deactivation was discovered on XX/XX/XXXX, upon calling Chase to verify receipt and activiation of an additional user card. On XX/XX/XXXX, the closure of all four accounts was discovered while viewing the accounts online. No due process was afforded. No notice or disclosure has been sent. <P/>I believe that the accounts were closed based on race, color, age and social-class. During the review process, I was not allowed to enter documentation in support of my position. Chase withheld the rationale as to the basis of the deactivation. Shortly after I disclosed my race, color, age and social-class, Chase unilaterally closed my credit accounts. Chase 's practices were predatory because each account was assigned to maximum APR allowed by law. Chase 's practices were discriminatory because after the disclosure of my race, color, age and social-class, Chase deemed me undeserving to possess the accounts.
<P/>I suffer damages and costs including but not limited to : ( 1 ) hard credit inquiries ; ( 2 ) available credit to balance ratio ; ( 3 ) credit scores ; and ( 4 ) detrimential reliance. I seek the reopening of any and all accounts and/or reconciliation of any and all issues raised. <P/>I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.
Previously filed a complaint due to mismanagement of my escrow account by Caliber Home Loans. CFPB Claim number XXXX. Received a response from Caliber regarding refunds issued for the incorrect and lost payments withdrawn from my escrow account and correct payment issued on XXXX/XXXX/XXXX for my full XXXX property taxes. Before all the corrections were made, Caliber issued our XXXX IRS Form XXXX which reflected the incorrect amount for taxes paid. I disputed their initial response as well as emailed the Caliber complaint department notifying them of the incorrectly reported taxes paid for the year in block XXXX of our XXXX and I requested a corrected XXXX. I never received a response to either of my written requests. I then called the Caliber Tax department on XXXX/XXXX/XXXX and spoke to XXXX ( Teller ID # XXXX ) who informed me that she spoke with a manager and the manager stated that they would not be issuing corrected XXXX because Caliber does not report this information to the IRS and that I should go to my taxing authority to get the correct amount. I informed her that I do n't believe that is an appropriate answer as I am required by the IRS to use these forms provided to complete my tax return. They have incorrectly reported the amount in block XXXX and should issue a corrected XXXX. She stated they would not issue a new form so I advised that I would be filling a new complaint to address this because I do not believe that is appropriate business practice to provide false amounts on an official tax document used for tax reporting of my personal return for XXXX.
On XXXX XXXX, 2016, the following ACH transactions were debited from my account : ( 1 ) XXXX $ XXXX ; and ( 2 ) .XXXX XXXX : $ XXXX. On XXXX XXXX, 2016 and per Bank of America 's email of a transfer alert, {$500.00} was transferred to my account. At the time the {$500.00} transfer was deposited in the account ( and received by BOFA ), the status of the transfer as well as the ACH transactions were " processing '' according to my online banking transaction screen. On XXXX XXXX, 2016, I received an alert from BOFA stating that my account is overdrawn and I was assessed a fee of {$70.00} ( {$35.00} per transaction ). Upon discovering this fee, I called BOFA and spoke to a representative ( XXXX ) about this matter and was told that I did not have sufficient funds. I then asked about the {$500.00} transfer that would have covered the ACH debits however, the representative just repeated her previous statement and stated that BOFA can not process funds on the weekends. I was able to see that the {$500.00} was posted to the account on XXXX XXXX, 2016 but was " processing. '' BOFA decided to post the ACH debits and did not use the {$500.00} transfer deposit to apply to the ACH debits that were also " processing '' during the same time period.
On yesterday XX/XX/XXXX I received a notification from XXXX in reference to my credit report that a collection account was added to my credit file by XXXX. Back in XX/XX/XXXX I received a letter from this company asking for a said amount owed to them in which I 've never done business with this company and I never signed a contract with them. I then in XXXX sent the company a Certified letter asking them to validate this said debt and gave them an set amount of time to reply. All I received from this company was unknown statements and nothing that I asked for in my validation letter, they failed to validate. I then sent them a letter stating that they did not validate and also they did n't send what was requested. And I no longer heard from this company. Until they reported this on my credit file causing my credit to be damaged. This company violated my rights and need to remove this collection from my credit file.
I have an outstanding collection with XXXX XXXX. The end of the seven year period for this collection is very close. XXXX changed collection agencies to Convergent. Either XXXX gave Convergent incorrect information or Convergent reported information to the credit bureau which was incorrect. My credit report shows that the Date the account was opened was XX/XX/XXXX. I believe is was in XXXX. It also shows that the last payment date was in XX/XX/XXXX. Also incorrect. 
Please note that my wife had a very difficult XXXX and was not able to work full time which reduced our income. Over a year after the baby was born, she suffered a major XXXX XXXX for which the survival rate is roughly 10 %. I had left for grad school. she was not able to help support our family as was planned and only with the help of student loans and family did we make it through. At one time we were so desperate we considered filing bankruptcy, but declined to go forward. We did call XXXX after I began working again, and they were the most unpleasant and unyielding. We told them we had limited funds and would use them where it provided the most benefit. There are no other open collections. 
We are now purchasing a home on a construction loan. The impact of making the collection look like a recent event has been really damaging to my credit score, and a credit score is the primary basis for determining a rate. My banker has advised me it is critical to have this corrected. In speaking with a credit bureau, they did tell me even a correction will hurt my score, so I have asked that it be removed. 
Both XXXX and Convergent have been emailed asking for a removal, and neither has even responded to the problem. XXXX inquired about the account number, however, I no longer have that information and it is not on the credit report. In the email they received they were informed that I had contacted both your agency and a credit reporting agency to make certain that my position was correct and that I had not filed a report, giving them the opportunity remove this item. 
It would appear that this is a manipulation of credit reporting to try and exact payment. Fortunately I am able to reach out to the bureaus and to the CFPB ( whom I contacted earlier by phone to confirm that this is an unacceptable practice ). However, if this is a standard practice of either company or both to try to make a collection, a great many people will not have any knowledge of the law or whom to contact and would be hurt by these actions. I believe that both entities are also under the aegis of the Federal Trace Commission. Should I file a complaint with that agency as well? 
I am supposed to move to permanent financing within the next 35 days. Since I have had no response, I am at a loss as how I should proceed. Your help is really needed. 

Finally, I do want to explain that my schedule at the XXXX as a XXXX has been very busy lately as well as working on the house to save money, so my mother-in-law, XXXX XXXX, called both Convergent and XXXX to get a correct email address. She sent the original emails along with a letter signed by me to allow either entity to speak with her or email her. Copies are attached
I have a Judgment that shows as " Satisfied '' on my Credit Report, indicating Asset Acceptance as the Plaintiff. When I contacted the Courthouse ( XXXX County Minnesota ) they reported the judgment was " not satisfied '' or had " not received a " satisfied '' letter ; ultimately providing information to contact a local attorney who was listed on their end as XXXX XXXX ( XXXX ) who has yet to return my call. I later had to contact Asset Acceptance, whom when asked provided the original credit agency as XXXX XXXX and stated it was transferred to a " Law Firm ''. I was then informed that the judgement was not satisfied. Asset Acceptance reported that the information would be with the county courthouse. They could not verify the debt or reported " Judgment '' as they do not sue. Judgment was filed by Asset Acceptance and later in turn released to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX were unable to verify that I was served with judgment papers and could not tell me when I was allegedly served by XXXX County ( Minnesota ). No information identifying me being served or the nature as to any court documents have since been sent or presented to me.
Currently having my wages garnished without due process. Collection agency, FMS did not send any notices prior to sending my employer the " Wage garnishment order ''. When calling FMS to verify, they told me the notices were sent to an address I lived at ten years ago! The company requested information ( which I faxed, with proof  ) t o verify my demographic info : Lease, driver 's license, proof of mail, bill statements, etc. Only for them to say, " they did not get the fax '', a month later. Called to request the debt validation information as well as my 30 day notice of wage garnishment from FMS. Spoke with "  XXXX   XXXX  '' of FMS who refused to send me copies of those letters. He refused and was no help. Stating that the demographic information was given by the  Dept of Education . Then I called the department of education who claimed they 've been sending letters to the old address as well! My address has always been updated. Even if they 've managed to find my employer.
A judge ordered Capital One to cooperate with us in getting a modification. Capital one have a history of lying about dates. Last time in XX/XX/2016 they sold out house even though we were not notified, and AFTER approving a modification. We kept telling them we never received the mod and they said they sent it to wrong address but never fixed it. Now after a judge overturning the sale cap one are supposedly working on a new mod but they have a sale date set for the house of XX/XX/XXXX. One honest manager said a sale date should never have been set during a. Modification and they would make sure the sale date was canceled or at least moved out by 90 days. That was 4 weeks ago. No change to sale date and no return calls from escalations. They are just lying again and stalling so that they can take the house. We are supposedly in underwriting for a mod so how can they have a sale date.
Sent {$100.00} for baseball game tickets only to never hear from the seller after using XXXX to send the payment via the XXXX app.
i want to refinance my mortgage, but the mortgage company, ocwen, will not adhere to the terms of the modification agreement. in that they will not forgive the deferred princpal balance and keep adding it to the payoff figure ...
XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a email Alert notifying me my charge card was recently declined in the amount of {$360.00}. 

I called. Per XXXX XXXX charge was submitted 2nd time and was approved by XXXX XX/XX/XXXX, XXXX  Police Department send email saying Report was approved and I received XXXX Police Department Summary Incident Report # XXXX XX/XX/XXXX, I went online to Experian to request a Security Freeze be added to my credit file, tried to enter info required ; but the Experian website would not accept my info. 

XX/XX/XXXX, I prepared a detailed letter with info ( attachments ) that  Experian required and sent my envelope to Experian by USPS Certified Mail. Items sent were the following : 1. Letter ( detailed ) 2. XXXX Police Department Report # XXXX 3. State of California Driver 's License ( copy ) 4. XXXX Homeowners Policy ( copy ) XX/XX/XXXX, I received an email from Experian which said : We received the copy of the identity report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. Please provide : 1. all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency ( I provided to Experian what the XXXX Police Department emailed to me ) ... 

2. Also, I included ( in letter ) my full name including initial, my social security number, my complete addresses for the past two years ( I've lived in my home 20+ years ), date of birth, one copy of a government identification card, such as a driver 's license, state ID card, etc. ( driver 's license ), one copy of a utility bill, bank or insurance statement etc. ( XXXX Homeowners Policy ).
CONSUMER : XXXX XXXXCOMPLAINT : TRANSUNION AND ALL CREDIT AGENCIES1. I AM TRYING TO BUY A HOUSE2. I TRIED TO GET MY FREE CREDIT REPORT AND WHAT MY FICOSCORE ISA : THEY CHARGED ME $ XXXX : THEY BILLED MY XXXX XXXX CREDIT CARD ANOTHER {$29.00} JUSTTO GET MY INFORMATION FREEITEM1. I THOUGHT ALL CONSUMERS RECEIVED A FREE CREDIT REPORT2. I THOUGHT TRANSUNION COULD NOT STEAL ANY MONEY FROM US. 
THEY STOLE FROM ME AND SAID, XXXX XXXX SO WHAT, YOU HAVE NO CONUMER RIGHTS WITH TRANSUNION. WE CANSTEAL ANY AMOUNT FROM YOU, IS THIS TRUEITRM1. I CANCELLED MYSERVICE TODAYAND SPOKE TO XXXX, EMPLOYEE NUMBER # XXXX AT TRANSUNIONXXXX-XXXXORDER # XXXX
I sold a beautiful purse and used Paypal for invoice. My XXXX transaction, the purse has no crack : https : XXXX? XXXX % XXXX % XXXX & XXXX Here is my description : Beautiful Authentic Preloved XXXX XXXX Mini Speedy with dust bag included - {$390.00} ( firm ) includes Paypal invoice and shipping Click here for more postings : # XXXXGreat used condition.Normal signs of wear such as discoloration of leather ( vanchetta developed beautiful even honey patina, wrinkles, and some scratches and marks that blends in the color of the vanchetta. Some hardware discoloration.Interior is clean.Pipings are intact.No rips, tears, or cracks. No perfume, smoke, foul smell or odor. Please understand that this won't smell brand new and sense of smell varies from person to person.Made in XXXX. Date code : XXXX ( XX/XX/1996 XXXX Measurement : W : 6.3 '', H : 3.9 '', D : 2.8 '' Handle : 8.7 '' Please see all photos before buying it. 

When the buyer received my purse, she claimed that it has a crack. She ruined my purse to get refund 100 %. Paypal did not listen to the seller, Me. I sent them photos and they sided the buyer, who is a scammer. Now, I have damaged purse and Paypal refunded the buyer who destroyed my purse. I have known many sellers that are scammed because Paypal allowed it and not protecting the Seller. There is NO sellers protection in Paypal.
Citibank NA refused to approve a Citibank Credit Card ( Costco Private Label ). I contacted Citibank directly. I was incommuication with a XXXX XXXX on XXXX/XXXX/XXXX and was told to put a appeal on the incorrect deliquent from XXXX. Received a letter of Credit Decision. Citibank used XXXX as there provider. There was a error on my report and was corrected by XXXX and the Deliquent item was removed on XXXX. I called Citibank on XXXX/XXXX/XXXX asked for approval and was denied again. Attached is the letter from Ciitbank. I spoke to XXXX XXXX XXXX from the Office of the President on XXXX XXXX XXXX stated " Once the Deliquent Account is removed on Experian than the Credit Card would be issued ''. Now Citibank is changing there story and found another avenue to deny the Card. XXXX XXXX made several remarks that are contrary to the decision denials. 

I am asking the CFPB to fully investigate Citibank NA on there deceptive practices on Credit Approval for a based upon misleading statements from the Office of the President and Risk Management from Citibank NA. 

Application Number XXXX XXXX MD XXXX XXXX
on XX/XX/XXXX, my score went down about XXXX point without any change in my financial status. I have n't applied for any new credit or loan, all credit card balances are lower then ever. nothing negative basically. I understand what effects my credit and I am always monitoring it. My credit suppose to go higher not go down XXXXpoints. I already disputed issue with XXXX and they were able to fix it.
In XX/XX/2018 I sent letters to XXXX, XXXX, XXXX and Lexis Nexis asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
It percieved XXXX and other credit reporting agencies have been hacked. Or XXXX XXXX has made an error. 

I dont see My XXXX XXXX credit card, on credit file. Or currently being reported is any history of XXXX  XXXX EVER existing as being reported to credit Bureau. In contrast, the credit Bureaus ALL reported XXXX XXXX as resent as XX/XX/XXXX and since XXXX. But not any more. They lost data and record if its existance. This XXXX XXXX card, is an active credit card. I am including XXXX  XXXX on this complaint too. 

The bank, as credit furnisher has been reporting my XXXX  XXXX credit card to XXXX, every month since XXXX. XXXX  and other agencies have ALL sent me credit files showing the XXXX  XXXX credit card as being reported with their company. Today the file and evidence of ANY history of XXXX   XXXX being reported has been lost, and no lnger on file. The reporting agencies have LOST DATA. They may have been hacked. 

In my resent complaint filed with Credit bureau, complaint # XXXX. XXXX responded claiming " the XXXX  XXXX is not being reported " and XXXX cited " it is up to the bank to report ''. The very nature of the complaint was the fact that XXXX XXXX is reporting the card to XXXX, and the card WAS reported on XXXX file as resent as XX/XX/XXXX. Someone inside XXXX has DELETED the card and evidence of the card being reported, or XXXX has been hacked, and lost data. Regardless, the card fell off record with XXXX, and no longer shows. As XXXX says - their is no existance of the card being reported today, or that the card EVER was reported. But on my credit report attached the card is clearly present. This claim of XXXX  that the card is not being reported by the credit card company has no basis. It is not true, becaues can all see from attach credit reports from XXXX showing the XXXX XXXX being reported XX/XX/XXXX. It is commonly ACCEPTED among USA population in general banks like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX DO report t credit agencies. Why then would XXXX  in their responce claim they do not? XXXX  pure and simple - has lost DATA, or been hacked. My concern is XXXX  and other agencies may have been hacked. If the XXXX  is going to respond, claiming XXXX XXXX is not reporting the card, it raises the GOOD question, how can that be? When the card has been shing on the Credit file and report since XXXX. The only explanation is XXXX has been hacked, and lost the data in a data breach and any Evidence of the XXXX XXXX card being reported. 

I request XXXX to resolve how they lost data. And how is it XXXX  claims the credit card is not being reported when it showes on my credit file right through to XX/XX/XXXX XXXX it now has gone, from XXXX record - as the XXXX responce to the prior complaint # XXXX filed here with CFB shows. 

Where is the data? Data is being reported to XXXX as the XXXX  files shows, Why is it missing for XXXX all togeter today, and why is XXXX  NOT CHECKING back on mail it has sent prir to my house showing the XXXX XXXX card as present. It is an active card.?
Chase charged me an overdraft fee of {$34.00} even though I have contacted them to opt out of Overdraft protection multiple times. They refused to refund an overdraft free for a payment that should have never been processed because there were not enough funds in the account to cover the payment. When I contact chase to request a refund, they stated that because the account is a reaccuring payment by XXXX for XXXX $ even though there was only {$20.00} in the account. I asked the rep to look back on my account because this was not a reaccuring payment. The rep refused. Chase goes around the overdraft opt out by allowing these charges to go through. Ive never had this issue with any other bank that allows your account to be charged regardless if it was a reaccuring charge or not. Ive brought my account current and am going to close my account but I am still requesting a refund of the overdraft fee.
I am the owner of AMEX credit card and charge card, I do get some welcome bonus, which is Membership Rewards earlier. At the beginning of XXXX, I was tried to transfer some Membership rewards to XXXX XXXX miles, but it shows " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Meantime, I tried to fix this problem with AMEX MR team many times, they all gave me same response, " we can not do anytime about it " " you have to wait until the process done '' I also ask how long it will be taken, customers services always they are not sure how long it will take, this is very SAD!!! because of this REVIEW, I missed two trips with my friends. Today, ( XX/XX/2018 ) I am still trying to fix this problem with customer service, and I still get the same response, ( I can not do anything for you ), then I ask for speak with the supervisor, I hope the problem will be getting solved, BUT the supervisor say exactly the same words to me as well. THIS IS SAD, VERY DISAPPOINTED!!!! 

I am so sorry I do not know how to organize my words because of my limited English.
We loaded XXXX onto a gift card to pay our XXXX cell phone bill and on XX/XX/2016 XXXX processed a payment of XXXX everything was fine until XX/XX/2016 when transcard filed a claim against att to have the XXXX returned to them witch att did and then put the amount back on our bill making us repay the XXXX after XXXX returned the XXXX to transcard the money disappeared we called transcard numerous times to asked where our money went and they said they paid att XXXX witch we ask for proof of and the only proof they are provided was for the payment on XX/XX/2016 for XXXX and that was returned to them on XX/XX/2016 leaving us with the bill of XXXX and a balance of XXXX on the card the XXXX is gone XXXX does not have it as it was returned and trans card has no proof of anything other then the one payment in witch they took back and left us out of XXXX stating it 's not their problem