WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased an XXXX from a seller over the internet on XX/XX/18. I sent two transactions for {$300.00} and {$250.00} for a total of {$550.00} ( which was the cost of the phone ) via the banking app XXXX. I received a confirmation invoice but then the seller blocked my number and instagram and I am unable to contact them. I attempted to request {$550.00} back from them through the XXXX app but was told by Chase that they declined the payment. I was convinced that the transaction would be backed by my bank since it was linked to my Chase account. The seller did not respond to my texts or calls and has not issued a refund for the amount. I have not received the product and know this was a scam. I contacted Chase and they informed me they couldn't do anything because I initiated a transaction. They would not cancel the payment or put a stop on it. I tried contacting XXXX but was unable to get through to their customer service department. I think it is unfair that XXXX isn't backed by the Chase Bank even though we are able to send transactions straight from the app. 

I have attached the confirmations I received from the seller and the invoice. I also attached the email that was sent to me by Chase.
The agent of this companny called DINAMIC RECOVERY SOLUTIONS, have called repeadetly fron a phone number from a individual person not associated to this companny and using a name of XXXX XXXX, have called many times even though after many times they have promissed to delete my number because of a mistake they did. This agent associated my last name with the one of another person and since they don`t have form of contact them is trying to get to them throu me, even after many times I have told them I don`t know such person they keep calling and promissing to delete my number. If you dont resolve this matter I think will be time to involve the courts since they are just abusing and don`t want to understand I have nothing to do with them and keep associating my name with a delincuent account that don`t correspond and I don`t have.
Dear Sir/Madam, Re : Bank of America Core Checking Account ( # XXXX ) and Regular Savings ( # XXXX ) I am filing a complaint against Bank of America for unauthorized charging service fee on my regular savings account without any prior notification. We open Core Checking account in XX/XX/XXXX and was persuaded to also open a regular savings account. We were told at the time that the XXXX accounts would be linked and there would n't be any charges or fees as long as we maintained our monthly balance no less than {$1500.00} in our core checking account. Since then, we have met our minimum balance requirement and maintained at least {$100.00} in our savings account as well. 
However, starting from XX/XX/XXXX, the Bank imposes a monthly charge of {$5.00} on the grounds that our savings account has less than {$300.00} even though our balance in the core checking account always far exceeds {$1500.00} and the two accounts are supposed to be linked. We challenged their unauthorized debit and were told that there was a letter of advice sent out in XX/XX/XXXX. We never receive such letter or any electronic communication from the Bank. 
Finally, the Bank agreed to refund me but for some reasons, not the full amount of the 5 months of charges. We file this complaint because we feel being misled and we do n't know how many of consumers are being treated like that. We would appreciate your prompt attention to the matter. 
XXXX
I have disputed the following items with XXXX and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative XXXXNeeds Attention Last reported : XX/XX/XXXX {$2600.00} In Collections/Charge-off Show closed ( 1 ) COLLECTIONS XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4000.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX {$880.00} Needs Attention XXXX XXXX XXXX
i was solicited over the telephone for an at home business opportunity on XX/XX/2016 by a company that called itself ap industries.they proceeded to take XXXX from me.i found out i had been taken.they charged me a total of XXXX on several different cards.i thought for sure citi would help me with this as services were never rendered to me.
This is not my debt. The Collection Agency did not provide " bill of sale '' and date of first delinquency. The most important thing is the original creditor did not even show up on my credit report.
I am self employed and have been applying for modification for ov er four  years but never received any answer from Citibank.   My husband and I have been in this property for 11 years and we want to continue to reside here and we want to do all thing possible to continue to live at our home.   Although, we have had some personal and business setbacks due to illnesses and loss of business opportunities ; we are working to make sure we keep our home.   For the p ast four years, Citimortgage has refused to accept payment from me. Citimortgage stat ed that they refused to accept the payment because my property is in foreclosure but I was not in foreclosure. I may have been in pre-foreclosure. Also, Citimortgage listed on my credit report that my property is in foreclosure. However, my property has not been foreclosed.   This past week,  Citimortgage sent m e a letter indicating that I have been approved for short sale even though ; I did not apply for short sale. I applied for modification and/or principal reduction.   The recent letter from citimortgage included information that citimortgage did not previously disclose to me. In the letter I learned that citimortgage only considered part of the household income.   I initially sent my financial and my husbands financial, it appears that citimortgage did not fully review my submission.   I am seeking you help to get full modification review.
I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.
I Have been disputing this account named XXXX XXXX  for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
I closed my Nevada State Bank checking account, but still have a credit card with them. The NSB teller closed my online banking account at the same time without my knowledge. I 've been unable to receive credit card statements by email or mail. I called multiple times asking them to send me a bill, but they could not help me with my request. Why ca n't I get a bill mailed to me? How hard is that! As a result NSB has now charged me late a fee. Since I have NO bills of any kind, I do n't know what I 've paid in late charges. Please help me Thank you.
i have tried to contact XXXX/transunion / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX XXXX XXXX which has my score dropped significantly. This was an item that was paid with the agreement it was to be deleted from my credit profile. Which turns out not to be the case. I would like this collection removed from my credit due to false/misleading representation in order to receive payment, which I now know was obtained under dishonest terms. Spoke to someone on XX/XX/2018 who was extremely rude and unprofessional with her help.
XXXX XXXX, Equifax, and XXXX credit reporting bureaus have utilized erroneous information from XXXX XXXX  XXXX. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XX/XX/XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XX/XX/XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted onXX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

Equifax, XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.
My problem is with  Loan LLC . In  XX/XX/XXXX I paid two mortgage payments to  LoanCare s o that I can get advance my payments. In   XX/XX/XXXX   I pai d two  payments also ; I did n't know early payments was n't allow. I checked my payment histo ry one day to learn that the two  payments were returned to my account only they never put into my account. The payments were both {$620.00}. I talked to  LoanCare  about the money, and emailed them    XX/XX/XXXX  They told me to give t hem 5  business days. They said if I wrote about the same problem it will slow them down. It has been about 45 days now and I have not heard nothing about my money. If I had my money I could go on and pay the  one month I 'm behind. These people have made my credit  bad by reporting me for late payments and not paying on time. My payments were due in the  XXXX  and I was paying on the  XXXX . I was paying by money order when I first started paying and the  XXXX  money order was never cashed. I deposited that money order in  XXXX . They are the worst company to work with. My credit should never have been an issue, it was the company that had my money ; by right I 'm still a month ahead but they have harasse d about being two months behind ; although I 'm just one. They have sent me foreclosure letters. I have tried to apply   for Loan Modification and still nothing happened.
Debt collector is using a creditor that does not exist in an effort to collect a debt from me
I reviewed my credit file and there was a collection agency listed for a debt. I asked the company to validate the debt and I was provided typed documentation with my name listed. A typed signature and no identifying information related to me is not acceptable validation of this debt.
I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.
In 2010, my check book was stolen unknowingly because I do n't use checks for transactions but at the time I thought it was wise to have some since i can get them free from my bank. This particular checks that were stolen was from an account that I already closed but forgot to dispose of the checks. However, whoever that stole the checks was allowed by XXXX and and XXXX to transact business without proof of identification. I have called and informed XXXX about this matter but nothing was done.
I have been trying to dispute fraudulent accounts under my name with the main three credit bureaus. XXXX  and XXXX  have taken care of the issue and deleted all the accounts that do not belong to me. As of today Equifax is still reporting those accounts as mine and it is hurting me to get a mortgage loan. I have submitted multiple disputes and they keep reporting the accounts. I have sent them my police report and all the documents needed to prove my identity. However, they have not taken care of the issue.
I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance
I received an email from XXXX XXXX, indicating that I had an open collection reported to my credit report on XXXX. I pulled the report to learn that it was a collection from XXXX XXXX XXXX in the amount of {$240.00}. I immediately contacted XXXX XXXX XXXX  because I had no idea that their was even a balance with the company. Of course they could n't provide me any information because the file was already sent to 1st Credit Services. The rep provided me with the phone number and I called immediately to pay the debt in full. I did not take the time to verify this debt because I am set to go to closing on my new home and just wanted to get it taken care of. I spoke with XXXX at 1st Credit Services and let him know that I was making a payment, using my husbands card. I called my husband with XXXX on the phone to get authorization. Once my husband disconnected, I provided the information and the debt was paid. I sent a message to my loan officer to inform him that I received a collections alert, although I never received a letter and paid it in full. I was told that me not receiving written notice was in violation of the Fair Credit Reporting Act and to call them to request that it be removed. I did just that! When I called and spoke with XXXX. I explained to him that I never received a letter and would like for them to remove the collection from my credit report, since they are in violation. I verified my address again! He states that numerous letters were sent to me and returned by the post office. I said " so you are confirming that I never received the letter, on a recorded line ( XXXX XXXX ). With this information can you please remove this? He tells me no and states that the letters were sent back because they have the wrong zip code and that I should have asked for the letter before I paid the debt. I was transferred to his supervisor, XXXX and he told me the same thing. He added that they did their part and it 's not their fault that the information was sent to them incorrectly from the gym. I explained the situation and he said that he will not remove it. I then told XXXX that I would pursue legal action and we disconnected the call. 
I contacted XXXX at XXXX to request copies of the letters that were sent to the wrong address, to be sent to my updated address. He asked that I verify my address, which I did. He first offered to email the letter to me, then I stated that I want all the letters that were returned, with the original dates they were sent to me so I can provide them to my lawyer. I was then transferred to another supervisor. This gentleman states that " They can only send letters once and the address and zip code I verified is what they have had on file the entire time ''. I said, XXXX updated my address today. If the address was correct the whole time, why were my letters returned? The response I received was this " I do n't know, maybe it was a postal issue or more likely, you sent them back because you knew we were trying to collect a debt ''. 
I was livid at this point and told him that it was disrespectful for him to accuse me of sending letters back and that I would be consulting my legal team on this matter.
The lease on my XXXX XXXX XXXX was scheduled to end on XX/XX/2018. 

I turned in the car to the dealership on XX/XX/2018. 

My lease with US Bank is paid with an automatic monthly ACH, withdrawn on the XXXX of the month. 

On XX/XX/2018 I noticed that US Bank still showed my account to be scheduled for an auto payment on my lease in the standard amount of {$510.00}. 

On XX/XX/2018 I called US Bank to request that the payment be stopped. 

US Bank Customer Service Department and Lease Maturity Department informed me that it was too late to stop the ACH and the only way for the payment to not go through would be to set up a Stop Payment with my bank ( XXXX  ). They said if I didn't stop the payment and it went through, I could call back after it clears to request a refund. 

I called XXXX to request a stop payment. I was informed that the fee was {$35.00}, I had no interest in paying {$35.00} to fix the error on behalf of US Bank. 

On XX/XX/XXXX, the payment cleared ACH from XXXX to US Bank. 

On XX/XX/XXXX, I called US Bank to request the refund. I was informed by XXXX XXXX ( Manager, XXXX XXXX ) that the policy was to hold my money until after the inspection was completed and a final bill was generated. 

This is fraud. 

US Bank was unauthorized to take the {$510.00}. 

This was the 49th payment of a 48 month lease. I did not give my authorization nor consent to take a lease payment for a vehicle that I had turned in. 

US Bank was aware that the vehicle was no longer in my possession and had been turned in. 

Not only was US Bank aware that the vehicle had been returned, further, they were aware that it had been turned in on time and under mileage -- both noted by the paperwork submitted by the dealership and confirmed to be received by US Bank on XX/XX/XXXX ). 

Mr. XXXX stated in no uncertain terms that they were unwilling to refund this lease payment until after a period of 4-6 weeks when they had generated a final bill. They are unauthorized to be in receipt of these funds. Nor are they authorized to use these funds to pay any final bill that may be associated with the termination of my lease with them.
XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported
Got a call yesterday from American Medical Collection just an FYI the rep was a XXXX man and he had a very rude way of talking to me. Said that I owe XXXX and that I needed to pay this today and if I did n't make an attempt to pay this off that going forward there was n't anything he could do and that they would per sue with legal actions against me. I told him that I 'm on a fix income and that I could n't afford to pay anything at this time. And he said well I guess we 'll have to levy your bank account cause regardless XXXX XXXX we 're going to get the money that is owed one way or the other and then he hung up.
I did a dispute on XX/XX/XXXX for a {$1300.00} and {$290.00} bill with XXXX XXXX for having health insurance on XX/XX/XXXX well I guess the insurance won't pay. So therefore I have a bill of {$1400.00} they already have it for {$1300.00} XX/XX/XXXX, {$290.00} on XX/XX/XXXX for XXXX, on XX/XX/XXXX comnwlth Fin put a {$1400.00} collection on my credit making it go down 28 points so I have the same bill twice but the new one from XX/XX/XXXX shouldn't be allowed to have a bill that is already on my credit just making it show up 2. So I need the {$1400.00} removed cuz it's something that is been on for 6 years almost. Thanks XXXX XXXX
RE : RESPA QWR QiualifiedIn order to conduct the audit and review of my account, the following answers to questions concerning the servicing and accounting of my mortgage account are needed. Accordingly, please provide me, in writing, detailed answers to the questions listed below. 



Written Response. 
15 ) Has interest been charged on any attorney fees assessed to this account? Yes or no? 

16 ) Please send copies of all invoices and detailed billing statements from any law firm or attorney that has billed such fees that have been assessed or collected from this account from the inception to the present date. 

17 ) Has there been any suspense or unapplied transaction on this account from the inception of this account until the present date? Yes or no? 

18 ) Please detail each and every suspense or unapplied transaction, including debits and credits of that have occurred on this account from the inception of this account to the present date. 

19 ) Please provide the name and address of each company in person who conducted each property inspection on this property. 

20 ) Please tell me why property inspections were conducted on subject property. 

21 ) Please tell me how property inspections are beneficial. 


22 ) Please tell me how property inspections are protective of subject property. Please identify and writing the provision paragraph section or sentence of any note mortgage deed of trust or any green meant I signed that authorize the assessment or collection of property inspection fees. Have you labeled in any record your document sent to me a property inspection as a miscellaneous Advance? Yes or no? If yes why? 

23 ) How much in inspection fees have been assessed to this account from the inception of this account to the present date? 

24 ) Please forward copies of all property inspections made on subject property in this mortgage account file. 

25 ) Has any fee charge to recessed for property inspections been placed into an escrow account? Yes or no? 

26 ) Have any broker price opinion 's fees been assessed to this account? Yes or no? 

27 ) If yes how much in total XXXX fees have been charged to this account? 

28 ) Please identify the provision paragraph section or sons of any note mortgage deed of trust or any agreement I signed that authorize the assessment charger collection of a broker price opinion fee. 

29 ) Please send me copies of all broker price opinion reports that have been done on subject property. 

30 ) Has any fee charged processed for a broker price opinion been placed into an escrow account? Yes or no? 

Please provide me with the documents I requested and a detailed answer in writing to each my questions so that an exam and audit may be conducted in accordance with all applicable state and federal laws. Thank you for your compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, MN XXXX : XXXX, State of Minnesota, Attorney General
I utilized XXXX for the first time and was involved in a scam. I purchased playoff tickets via XXXX and the scammer wanted me to use XXXX. After researching a little and knowing my Bank, B of A utilized I was comfortable with the transaction. Once I realized it was a scam the same day, I called B of A. They said they would contact XXXX XXXX but my funds of {$360.00} were not returned. They said I now need a subpoena and I am working with local law enforcement now.