WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.
A chase credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called Chase and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/2019 which is XXXX years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong Chase has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over 7 years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with XXXX and they came back and said Chase did not agree to remove. I have called Chase probably a dozen times over the past 3 years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.
They have been contacting me and relatives and my relatives told them to stop all calls and they still call. I made two payments and lost my job tried to make arrangements with them and they were not trying to work with me. The car was damaged in an accident and the tow truck company refused to give the car back because the person that hit the car did not have insurance and I was unable to get the car out
I would like to file a complaint about our experience with purchasing flight tickets with Chase Ultimate Rewards. We booked 5 tickets traveling from XXXX XXXX to XXXX on XXXX XXXX by XXXX, the departure time is XXXX XXXX on XXXX XXXX. When we checked in at the XXXX XXXX counter, we were told the flight already departed at XXXX XXXX We were shocked! <P/>The manager in XXXX XXXX explained that the flight time of flight XXXX XXXX has been changed from XXXX XXXX. to XXXX XXXX, they said that they did notify Chase about the change, but are not sure if Chase sends notifications to passengers who booked tickets through Chase. We were fortunate that the manager was being very helpful and was willing to help us reassign five tickets from XXXX XXXX to XXXX with a layover in XXXX on XXXX XXXX. We finally arrived XXXX at XXXX XXXX  XXXX time, which is 9 hours delayed from our original arrival time. We appreciated XXXX XXXX help since this is not their fault at all. <P/>On the contrary, we received an email from Chase notifying us about the flight schedule change on the day of our flight to XXXX, but the notification is about the department time for the inbound flight. The email shows that the flight from XXXX to XXXX XXXX on XXXX XXXX would depart 30 minutes late. Whats interesting is that it still displays the outbound departure time to be XXXX XXXX Because of this is the most recent email we received from Chase, we assumed this is the most updated flight information and therefore we missed out outbound flight. <P/>We were upset that Chase didnt notify us about the flight time change. We never received any emails or phone calls about the change. Although Chase sent an email to notify the inbound flight time was changed, Chase should also display the updated ( new ) outbound flight time on the most recent email. In fact, when I logged on to your website up until now, the outbound departure time for our outbound time still shows XXXX XXXX <P/>Instead of arriving at XXXX XXXX., we arrived at XXXX XXXX, we lost 9 hours dealing with our flight change request and layover. We also missed the prepaid activities that we originally booked. We basically missed one day in XXXX We are loyal customers of Chase and Chase Ultimate Rewards, this is the first time for us to have to deal with drastic flight time change, hauling luggage between terminals It affected our mood and our precious vacation time. Thank you for offering the opportunity to explain our frustration. <P/><P/>Best regards, XXXX XXXX
I am filing this complaint for two charges made by XXXX  XXXX on my VISA card with Bank of America. The first charge was in the amount of {$11000.00} and the second for {$900.00}. Both of these charges were made in XXXX of XXXX, yet no products or services were received in exchange. This is due to the fact that the XXXX  organization was shut down by the FTC in XXXX of XXXX. 

I had several XXXX charges on multiple credit cards with various banks, and ALL of them with the exception of Bank of America have refunded my money on the basis of these being fraudulent charges which were made by an illegal enterprise. 

After much back and forth dialogue which was necessitated by BofA 's complete lack of clarity on the information they required, I realized that they wanted exactly the same info as the numerous other banks from which I successfully obtained refunds on disputed charges of exactly the same nature with XXXX. I made countless attempts to supply all the information which they requested to help resolve the dispute in a timely manner. Their requests for further information were confusingly vague, yet still I supplied all the information I had available. 

Without offering me a chance for rebuttal, they repeatedly denied my claim and supplied me with inaccurate information regarding the state of my dispute. I was told by BofA that they had sent me follow-up letters for further details, yet throughout the entire ordeal I never received anything from them but denial letters. It was only in these denial letters that they explained what further information was needed. With every denial I subsequently had BofA reopen the case and I then submitted all requested information. In each case I continued with many follow up calls to make sure BofA had everything they needed. On multiple occasions when I requested clarification regarding what info they needed, I was told that they had " forgotten '' to send me critical information which would have been crucial to support my case. 

Unbeknownst to me, time limit for a resolution on this dispute passed in XXXX, yet I was never informed by BofA of any kind of timeline until XXXX of XXXX during one of my many follow-up phone calls.
Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XXXX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month.
my issue has not been resolved since  XXXX   XXXX  .I bank with chase bank. I had  XXXX  transactions of  XXXX  dollars to   XXXX   purchased illegally on my debit card numbers. my card info was stolen. I immediately called the bank canceled the card and started the process to get my funds re-credited to my account. A temporary credit was received a week later. then  4  weeks after that the credit was removed. I called them again had another temporary credit put onto my account in  XXXX  for the same issue. Yet again by  XXXX   XXXX  the bank again removed the the temporary credit. I called and escalated the issues to their fraud claims department to a supervisor and then the supervisors manager on  XXXX   XXXX . They said  XXXX  admitted to there department I did not make any purchase and credited chase and that I should receive my money in 5 days.  XXXX   XXXX  I got formal letter in response admitting guilt and fault on chase banks end and that my temporary credit would be made permanent. however as I said before this temporary credit was removed and I have still not received funds by the set specified time frame from the supervisor. This is the third time I have submitted it for review and have won my argument, but yet still have not received my money from the bank. Please help me in away possible thank you.
XX/XX/18 I contact my XXXX XXXX account customer service dept because during the week prior I had transferred funds from my investment account into the cash account but those funds were not there. Rep instructed me to pay out of pocket and go home, get a confirmation number off my computer and call him back with it. Confirmation number didn't exist and was no where in my email or on anything I could access. 

XX/XX/18 Contact XXXX customer service again, funds still not available. Rep was very dismissive. Said he wasnt sure what my problem had been but he was able to complete the transfer. I should see it in 3-5 business days. 

XX/XX/18 Money still not there. I call again, and the rep ( XXXX I believe ) explains he's not seen this happen before but there is a pending transfer and he can't tell why it hasn't been completed. He takes my phone number and says he'll call me back when it is straightened out. 

XX/XX/18 XXXX finally calls back. I miss the call, call back and speak to another rep. She says it's been resolved and should be able to make the transfer online now. I'm concerned because I was told this before and it didn't work. I wasn't near my laptop and couldnt verify. Also irritated that I'm still waiting for my money and ask to speak to her supervisor. XXXX assures me it has been corrected and says she'll email the brokerage side and see if they can rush the transfer for me. I ask to be copied on the email and she refuses to do that. She tells me she will call me back with an answer later. She does call back, but leaves no explanation on my voicemail and I'm at work ( which I told her I would be and she should leave a message. ) Says she'll be gone in another 1/2 hour so I dont have time to return the call. I finally get to my laptop and try to make the transfer myself AGAIN and the online interface tells me it has not been scheduled. 

There are consequences for people like me when I don't have access to my money. I've been more than patient.
This is a complaint against Morgan Chase bank, and their unconscionable, profit making scheme called " overdraft fees '. 

In the past year I have PAID CHASE BANK {$1400.00} IN OVERDRAFT FEES. 
CHASE, in return, has done me a BIG FAVOR, of reversing 5 charges on my business account for a total of {$170.00} I believe Chase has manipulated its processing system to where instead of looking for " credits '' first, it will debit a consumer account, if the consumer falls into their TIME TRAP, to make deposits. 

I am in California. Most if not all of the overdraft fees I have paid I believe the funds were in the account on the next business day, but because they had not been deposited before " XXXX XXXX Eastern Standard time, '' regardless of whether a deposit was enough to cover any overdraft, Chase refers the customer to their " boiler '' policy which only allows them to reverse 3 or five transactions in a 12 month period for {$170.00} but its okay for them to XXXX THE CONSUMER for {$1400.00} XXXX XXXX was sued and had to pay a settlement on its overdraft fee policy. 
Chase was apparently sued in XXXX ( below is the beginning of an article on a case initiated in Florida in XXXX. 

It is important to note that nearly every transaction for which I have been charged these overdraft fees were CHASE TO CHASE, CASH DEPOSITS. 

I called today to try to get some relief from 7 overdraft fees. I started in the " XXXX '' and worked my way to a manager in the XXXX who gave me their standard XXXX telling me about the Pamphlet that allows them to do this. 

I saw an article online that indicates a lawsuit being filed against Chase for XXXX. 
If Chase has violated the law in any way, i want a refund of ALL OVERDRAFT FEES they have charged me. 

The Chase policy is " unconscionable ''. I have seen internal memos of Chase bank where they have discussed how their overdraft protection program is designed as a " profit making program ''. I do not even mind if my account had to be dinged at some point and Chase wants to make a profit for covering a charge. I believe, however, the Chase system is rigged against the Consumer. 

I got nowhere pleading with them for some relief today from these fees. 

Here is my information. 

Law Office of XXXX XXXX XXXX Chase Bank - General Account ending in " XXXX '' XXXX XXXX, XXXX. 
XXXX XXXX, California XXXXXXXXXXXX FROM ARTICLE FOUND ON XXXX TODAY : XXXX XXXX XXXX has agreed to pay {$110.00} XXXX to settle a class-action suit challenging the way it charged debit card fees to customers who spent more than what was in their accounts.
XX/XX/XXXX I financed a blackXX/XX/XXXX XXXX XXXX through Sierra Auto Finance InXX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to Sierra Auto Finance so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called Sierra Auto Finance to get my car and pay for repair expense, I spoke with someone named XXXX & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ Sierra Auto Finance ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX  credit report, after I disputed the information it was changed to a charge off with a balance of {$XXXX}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.
To whom it may concern, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX employees are trained, and dedicated to misleading, giving false information and playing on the emotions of students who are trying to faithfully pay off their student loans, including myself. Their company makes promises that they NEVER intend to uphold or keep! 

On XX/XX/XXXX, Equitable Acceptance, XXXX XXXX, and XXXX XXXX  offeredme 3 main things, which were false and fraudulent : # 1. To consolidate all of my student loans, so on my credit report it would only show 1 consolidated loan, which they DID NOT do! According to XXXX XXXX, owner of my student loans, my student loans were consolidated ONE time in XX/XX/XXXX, by XXXX XXXX XXXX, not by Equitable Acceptance. In my BBB complaint dispute " EA '' said they did not offer me that, but when they call me to collect money, just last week and every other time I connect with them, they say they want to discuss the '' consolidated loans '' and collect payment! 
# 2. Enroll me into a " Forgiveness Loan Plan ''. ( According to XXXX, who own my loan, they state, the third party, Equitable Acceptance have NO authority to do so, nor do they have the authority to make any other changes to my student loans. As of today, XX/XX/XXXX, I am not enrolled in any such program! 
# 3. Charge me a " service fee '', not offer me another loan/line of credit to get out of debt!. They need to stop doing business dishonestly! 
XXXX XXXX
I order a credit report and see this company I have never heard of. I give the company a call at the number listed on the report and try and resolve an issue and instead of helping they kept trying to get me to give them personal identifiable information and I refused. The name of the company is XXXX XXXX. It appears that they are trying to collect a medical bill that is not owed. I was and still are a recipient of Maryland State Medicaid. I  am not sure why this bill out of the many paid by the state is being directed to me. I do not owe this bill.
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out FINANCIALLY, EMOTIONALLY, MENTALLY AND physically continuously.
On XX/XX/XXXX I mailed a certified letter disputing information on my report and on XX/XX/XXXX I mailed a certified letter to find out the status of the re-investigation to simply get a copy of the original report. You mean all this time I've been waiting for erroneous information to be corrected and they failed to act. 

Investigation took more than 30 days ( not completed ) did not correct the errors Failed to timely investigate the issues
I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Doctor bill submitted for collection, I then paid the debt directly to the doctor not the collection company. Collection company states I still owe the entire debt including interest they are charging based on the original amount.
I had tried to make purchase in XXXX XXXX XXXX with my XXXX XXXX XXXX credit card in the beginning of XXXX but the card did not work. The card was blocked. I was not given any explanation of the reason. On my own I had put request to Creditor and got the letter from Synchrony Bank, Creditor with such explanation : " PRIOR UNSATISFACTORY OBLIGATION WITH US ''. Why!? And without any explanation. 
Then I put XXXX more request and got the letter that my account was sold to XXXX XXXX XXXX , XXXX. And finally on XXXX/XXXX/XXXX I got the Letter from XXXX XXXX XXXX from which to my surprise I discovered that my balance with XXXX XXXX XXXX was {$240.00} ( original balance {$94.00} on XXXX/XXXX/XXXX + interest and fees ). 
I never got any bill from XXXX XXXX XXXX for this original balance. I never got any bill with notice that I did n't pay in time. How could I pay balance without a bill? 
On XXXX I have paid {$120.00} ( half of my mysterious debt ) during phone talk with XXXX XXXX XXXX, XXXX agent. 
If even the original bill was lost why I never got later in XXXX any bill from XXXX XXXX XXXX. May be the reason was to accumulate fees and interest? 
I feel absolutely upset with XXXX XXXX XXXX policy because I always paid all my bills in time. I do not understand why should I pay for somebody 's mistake.