WillisBack/dataset-financial-user-claim huggingface dataset:
This is in response to chase banks choice to close my case with out compensation. 

I will first reiterate that a local branch notice and showed me that the second money order was fake and voided it out so no one could cash it.So how can chase executives lie and say they cant tell if a money order is fake. Also your atms these days are select on what it accepts and can register if bills are fake or not, so how is it that a trusted serves of money order can not be detected. I am no lawyer cant afford one and I now feel pushed aside and lied to for a second time because they know so by going over my account information and then deciding to treat me like trash and sweeping me under the rug. I dont know your articles of law. All I know is i was shown by one of Chase branch workers that the money order was fake ( wich executives say they cant do ) and was shown how to tell when a money order fake ( wich executives say they cant do ). 
So What the point of stating legal chapters if they just lied to me and dont follow there own stipulations? I have kept names to myself. In hopes they treated me like they customer I thought I was at the branch. But soon as I get handed over to executives Im treated as if Im a bum holding a card board sign. 

P.s. again why lie about the help I already recieved in destiguising how to tell if a money order is fake? And why does a local branch offer more help than the executives?
I receive XXXX to XXXX calls per day from this company in a day - they are a collection agency - NCO Group - I have asked repeatedly to put everything in writing - and still have yet to receive any documentation. The calls start early morning and last till late at night, XXXX through XXXX. 
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken.
I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 TRANS UNION : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, XXXX  and Trans Union respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
I lived at XXXX XXXX XXXX when I sold my home in Delaware from XX/XX/XXXX to XX/XX/XXXX I  gave my 60 day notice because the complex had rodent problems and numerous home robberies. When I gave my 60 day notice It was agreed upon by the office manager that they would use a portion of my security deposit towards the two months and whatever was left would be sent to me. They did a home inspection and gave me several compliments on the up-keeping of the apartment. They also sent me a letter acknowledging the 60 days notice and the completion of the home inspection which showed the apartment was in great shape, no damage to the carpet ( I cleaned the carpets at my expense ) and the appliances were in excellent shape. I moved and a month later received a letter showing I owed {$2900.00} for ( replacing the carpet, all new appliances and new window treatments ). I called and spoke to several people who informed me that although the apartment was in good shape, I am responsible to pay for new carpet, new appliances and all new window treatments for the next tenant. When I asked where was that in writing, they could not give me anything in writing showing me that was their policy. I explained that there was no damage to the apartment or appliances and they agreed. So after going back and forth with their management staff and threatening to pursue them legally. They apologized and told me it was a mistake and they rescinded their decision and agreed with me. I asked for a letter to confirm that they would not hold me accountable for all new carpet, new appliances or new window treatment. Never got the letter but they did remove it from my credit report. Now after years have passed, they put it back on my credit report again via a collection agency ... this time I want to pursue them legally. My security deposit was about 3k ... ..two month rent would have been about {$2200.00}. I want my remaining security deposit back and I want this removed from my credit report for falsely showing I owe them money when in fact I owe them nothing. I am not responsible for them giving the next tenant new carpet, new appliances or new window treatment. That apartment was spotless, carpet was clean ( looked brand new ) and the appliances were in great shape. Window treatment was also in great shape ... .they should not be able to get away with this ... ..I also want a list of all the damages they say I caused to the apartment ... .but I want them to also have the maintence manager who did the inspection give a statement on how she told me my apartment was spotless and immaculate. She also asked if they could use my apartment for pictures in the apartment guide book ... .Please assist me in stopping slum landlords from robbing their former tenants and damaging their credit for things that should be paid at their expense. If they choose to give all new carpet, all new appliances and all new window treatment it should be at their expense not their former tenants.
On a few separate occasions I have disputed with all XXXX credit bureaus Equifax, XXXX, and XXXX pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
In XX/XX/XXXX, I used Care Credit ( now Synchony Bank ) to pay a doctor bill due to lack of insurance. I was told that if the bill was paid within XXXX months, it would be interest free. The original amount I borrowed was XXXX. I had paid the bill down to around XXXX when the promotional period was to end. I received a statement that the interest accrued on the account was XXXX and this amount along with the previous balance was now due. I called Care Credit/ Synchrony bank to ask what I would need to do to pay off the account as interest free. I was told to send a payment of XXXX by XX/XX/XXXX and that would pay my balance. I went to my credit union to borrow the money. They also verified with Care Credit/ Synchrony the amount due. They sent a check to payoff account. In XXXX, I received a statement showing balance of XXXX. When I called, I was told that these were for XXXX late feesXXXXXXXX ( XXXX ). I explained that when I originally requested my balance, it was supposed to cover all charges. I was told it did not. I asked for the total amount I paid into the account. I was told I paid a total of XXXX. I stated that if the original amount borrowed was XXXX, then the late fees were paid ( XXXX - XXXX = XXXX ) I was still told they were not. I asked to speak to an account manager. After being put on hold for a long time, the account manager finally came on the line. When I explained the situation to her as indicated above, I was asked to hold again while she reviewed the account. After another long hold, she came back and told me that I had only paid XXXX on the account. I told her that I would like a copy of all transactions on my account from beginning to end. I also told her that even if I had only paid XXXX, then I still should have had a balance of XXXX. She said it was interest on the late fees. I explained that I felt like me and my bank were mislead, she was rude and insisted that I owed the balance. I asked to speak with whomever was her supervisor and was told the Operations Manager was XXXX XXXX ( I think this is the correct last name ) but I would need to leave a message because it was a message line. I called and left a message on XX/XX/XXXX and XX/XX/XXXX and still not have received a response. Is there any remedy or agency which can help me in this situation? 


ThanksXXXX XXXX (
I have filed a dispute with XXXX and equifax on my bankruptcy that they have listed. They have refused to remove it, after multiple disputes. I have even expressed that XXXX has removed it due to false information. They have the amount filed on incorrect. XXXX has it listed as I filed on {$0.00} and equifax has the amount more or less then what I filed for. I have stressed my concerns and even the possibility of a law suit if not removed. They have all come back stating that it is going to stay on my report and they have updated the information. However, they are not updating the information as stated in dispute summary. I would like this removed now since multiple disputes have resulted in the defamation of my name. I have gone back to school and I am unable to obtain personal student loans to help finance the completion of my degree. My next steps will be a law suit within the court systems if necessary.
My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Bank of America to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Bank of America put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX.
We purchased a new door through XXXX. They verbally called Service Finance for approval and told us the payment would be $ XXXX/Month. We did not sign anything related to financing at this time. We then received a statement from Service Financing for {$240.00} monthly payment. When we questioned it, they provided the paperwork that they say we signed. The signature on the document is forged, it is not my signature, and it is clearly copied ( the exact same signature ) multiple times throughout the document. It is not dated, and the section asking for my birthday is not completed either. 

We advised Service Finance Company , LLC that we believed our signature was forged and were disputing this, and they still sent us to collections! Now my credit has been impacted. 

In addition, the financing never should have gone through, because XXXX did not schedule the inspection ( he arrived unannounced ) and was not allowed into the home, so he could not have correctly signed off on the inspection as it was not completed. But I believe that is an entirely different issue?
Have disputed this before. company repsonded to CFPB that they will cease adn desist. and it has popped up on my credit report on XX/XX/2018 again!! I am goign to pursue this further
I have XXXX accounts reporting from XXXX XXXX XXXX ( XXXX and XXXX mortgage ). As these are not my accounts, I have an open investigation with the CFPB - case # XXXX. I have contacted XXXX, XXXX and Trans Union on several occasions to have these accounts removed, but have been refused any action. These accounts suddenly appeared on my credit reports in XX/XX/XXXX as 180 days late ( no mortgage reported since XX/XX/XXXX ). I am asking for removal of these accounts at the very least until the CFPB concludes their investigation.
Sallie Mae continues to call me every hour on the hour for an account 30 days past due.
I went to a Western Union agent and sent money to my wife, I am in XXXX she is in XXXX After completing the transaction on my end my wife showed up presented her valid Photo Drivers license and they have refused to give her the money because they say they cant issue it because of her name is to common based on regulations issued by the XXXX, when I contacted them this is what they say we have to provide I am not comfortable sending ID information through XXXX XXXX & how can they guarantee it will remain secure. And how would the agent at the mom & pops store even know if I send it to WU and they do not have a computer or a screen on their register to even verify it is my wife.. here is what they have said on XXXX ... ... ... ... ... .To complete this transaction, Western Union will need to obtain and review a copy of the receiver 's government-issued photo ID, for example, a passport, driver 's license, or any other national ID and additional verbal details. 
The copy needs to include both sides of the ID, and any government-issued photo ID, from any country, is acceptable. The customer should also include their place of birth XXXX city and country XXXX if not listed on the ID, occupation and residential address. 
Please also make sure the following information for the receiver is filled out in XXXX in the message to Western Union : Full legal name of the receiver : City and Country of BirthDate of BirthID NumberID TypeIssuing country : ID Expiration DateResidential addressOccupation ( please specify position, or business area ) .... 

for me to get a refund They want this ... ... ... if the receiver is not able to provide the required ID, a Letter of Explanation ( " XXXX '' ) is needed to let us know why the customer is unable to provide ID. If the customer must pursue this option, the following information must be provided in the LOE by the sender : Content of Sender Letter of Explanation : o MTCNo Full legal name of the receivero Date Of Birth of the XXXX City and Country Of Birth of the receivero Relationship between sender and receivero Purpose of the XXXX Explanation why ID copy can not be providedo Occupation of the XXXX Address of the receivero Sender 's signatureproblem is she has a valid photo id, I explained to them that I am not comfortable sending this info to them after having problems with my Identity being used or taken ... .As a disable/retired U.S. Veteran I understand being secure but they are asking me to give information my bank does n't even have, nor do I provide anyone ..How is some of this relevant to a simple money transfer??? and also what does our birth information and occupation having anything to do with it..That information would n't be on her Photo driver 's license anyhow
In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
My name is XXXX XXXX XXXX XXXX XXXX .Date of Birth XXXX/XXXX/1956 On my credit report you have my son 's name and SS # included on my report!!! There are bill 's from XXXX XXXX and other XXXX bill 's that I have NOTHING to do with!! I have NO collection XXXX contacting ME for any reason!!!
I had my Bank of America checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it.
this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters.
XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.
In XX/XX/XXXX I disputed an inaccurate account with Experian credit, Bureau,, the account was XXXX XXXX XXXX, # XXXXin XX/XX/XXXX they replied back saying the account was verified. onXX/XX/XXXX I sent Experian a certified letter asking for they METHOD OF VERFICATION, ,i am a  consumer and I have rights to see and know how they verified the alleged account,, I have copies of the certified mail receipt and I enclosed the letter I sent to Experian on XX/XX/XXXX, they received the certified letter on XX/XX/XXXX On XX/XX/XXXX Experian sent a notification to me saying they have completed the investigation on the XXXX XXXX Account # XXXXsayng it was verified, I am a consumer and I have rights and its not fair they Experian can investigate the account and not send me what I requested on XX/XX/XXXX.. I have a copy of the letter I sent to Experian asking for the METHOD OF VERFICATION, THEY HAVE VIOLATED MY RIGHTS AND REFUSED TO SEND ME THE METHOD OF VERFICATION TO ME AS I ASKED,,, THIS IS NOT RIGHT FOR THEM TO NOT SEND ME THE INFORMATION I ASKED FOR, EXPERIAN NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE,,,, I HAVE RIGHTS TO SEE THE PROCEDURES OF THE METHOD OF VERFICATION ... .IT IS AGAINST THE LAW AND I AM GOING TO FILE A SMALL CLAIMS IF THIS ACCOUNT IS NOT REMOVED FROM MY FILE,,, EXPERIAN HAVE VIOLATED MY RIGHTS,,, I AM ENTILTED TO SEE THE METHOD OF VERFICATION ... THEY ALREADY HAVE FAILED TO SEND ME THE PROOF OF ORIGINAL CONTRACT WITH THE ACCOUNT THIS IS MY LAST LETTER ASKING THIS ACCOUNT NEEDS TO BE REMOVED,,, I AM GOING TO MY COURT HOUSE AND FILE A SMALL CLAIMS FOR THE NON-COMPLIACE WITH EXPERIAN,,,,
XXXX XXXX - XXXX I CONTINUES TO RECEIVE REPEATEDLY PHONE CALLS ALL THROUGH THE DAY NEVER SEIZES. 

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 ) XXXX THERE WAS MORE CALLS I WOULD NOT HAVE ENOUGH SPACE TO LIST THE OTHER PHONE CALLS.
I keep getting calls at my office desk phone from this company. They are attempting to contact someone else and hang up every time I provide my name. I 've asked multiple times for them to take the number off their dialer as I do not know who they are looking for but I still get calls.
Noticed recently that this account was on my credit report and never received a notice for dispute have no clue what the collection is for.
Wells Fargo Bank is pursuing a foreclosure on a property that has attached Ohio dower rights to it, that have not yet been applied. Moreover, signed affidavits prove several layers of " robo signing '' with non existent notary public 's and fraudulent conveyance history existing over the life of the mortgage loan. The husband in this matter filed a chapter XXXX bankruptcy and abandoned any connection to the property, while the wife is left to pursue her rights, as she is a victim of an earlier crime caused by the husband, which led this case into foreclosure to begin with. The Attorney General 's Office indicated the need to contact the Office of the Comptroller of Currency who said they have alerted your offices to this matter. This complaint is being made to validate their concern on this particular case and to bring overall resolve to this issue.
My name is XXXX XXXX and I had XXXX XXXX and XXXX this year which caused me to become behind on this mortgage. We can no longer afford to keep the home and we are listing it for sale XXXX XXXX. We have tried several times to get assistance and the only options we have received were a very expensive repayment plan that we have managed to keep. Our last payment we made was a few days over our deadline. They took the payment and I called our point of contact and left a message that we needed our repayment plan reinstated. We were told it would be reinstated after the payment cleared. It did clear. But no reinstatement. 

I went online to schedule our XXXX payment and it says that this loan is 3 payments past due. They did not infact reinstate our repayment plan because if they did I would be able to schedule a payment. I have called and left messages and we never heard back from our point of contact. 

Its hard enough having XXXX, its even harder when everyone shuts the door on you to get no help. Its hard enough trying to hold onto the property until we sell. There is a lot of equity in our home and it is all I have to relocate and start over so I can maintain my help. I am not asking for a handout. I would like short term forbearance so we can sell. 

I told XXXX that I would send them the listing agent form that we signed to show its going on market. Still no help, nothing. They will get all their money when they sell. 

Its very sad that I will have to file chapter 13 just to protect the equity if we get no help. Please help us.
I initiated a funds transfer ( ACH ) out of the account ( Coinbase/GDAX ) on XXXX XXXX - XX/XX/2018 UTC for the amount of {$10000.00}. ( Transfer ID : XXXX ) ( Case # XXXX ) It has been 3 weeks to date. I have had multiple phone calls and multiple emails, with basically no information. All that was said, is that " a specialist is looking into it. '' The emails were exchanged around XX/XX/2018. ( no information ) I have a record of them. 
I have made 3 phone calls to Coinbase support over the past 3 weeks with no information given. 

My bank, XXXX has not received the funds yet. 

XXXX XXXX