WillisBack/dataset-financial-user-claim huggingface dataset:
I inadvently sent a payment in the amount of {$1500.00} by my bill pay from XXXX XXXX XXXX to a Chase account that was closed. It was suppose to go to XXXX XXXX account that ended in XXXX. I previously had that account on auto pay with Chase and thought I cancelled the auto pay but instead they deducted {$1700.00} from my bank account to pay in full. That was fine, but when I saw the additional {$1500.00} ( which caused me to be overdrawn ) I immediately contacted Chase and XXXX XXXX XXXX to figure out what happen. 
Chase took it upon themselves to apply it to another account ending in XXXX that is paid monthly and in good standing and apply my {$1500.00} to it. I was on vacation and then stuck there due to Hurricane Irma,  however Chase assured me my money would be returned to me within 5-7 business days. I did not want them to apply it to that account ending in XXXX. That date was on XXXX/XXXX/XXXX and I still have not received my money. I asked for an email to that effect and promised I would get one but never received. I have called after waiting several weeks a few times to advise that my money is neither in my bank account or returned to me by check. They keep telling me they do not know why my money has not been returned and will be looked into and returned, it still has not I think a month is long enough. Here we are at XXXX/XXXX/XXXX and nothing, no money, no letter, no email. 
While I am here on this site I also would like to discuss another issue, in XXXX of this year I applied for the XXXX XXXX Chase card while trying to book a flight with promises of a {$50.00}  rebate off the fare when you click here. I was approved, but no confirmed flight or rebate off ticket. I called XXXX no confirmation and then Chase they told me I did something wrong and if I write and explain they would give me a {$50.00} credit after I get receive my credit card and book the flight. I wrote to them as instructed with my confirmation number, they wrote telling me they would not give me the {$50.00} credit as I did not have that promotion. I chalked it up to me doing something incorrectly ( which I did not think I did ) to create me not getting the {$50.00}. However, my sister who lives in another state who obviously used another computer recently ( XXXX XXXX, XXXX ) did the same thing with XXXX and Chase had the same exact experience she was approved but nowhere did it give her the flight or the {$250.00} off her fare. She knew nothing of my experience until she told me what happen to her. We both have jobs and work on computers all day long. She also called XXXX they told her she had no flights and Chase also told her she did something wrong. I think this is a scam now that she experienced the same thing. I think it is definitley worth mentioning. However, she did cancel the card as she was very upset. I wish someone would look into this I wonder how many people get stung?
The XXXX and Experian Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in this matter.
I am writing in reference to a dispute with Chase Auto-finance on my credit report for a " missed payment ''. Enclosed you will find supporting documents for my dispute regarding my missed payment according to Chase. Chase alleges that my payment was late in for XXXX, but per the attached supporting documents of Chase statements dating XX/XX/18 to present, the XXXX statement shows no payment due for XXXX ( XX/XX/18 ) and an XXXX payment of {$410.00} for XXXX ( XX/XX/18 ). Thus I did not make a payment for XXXX XX/XX/18 and attempted to make a payment in XXXX several times. 
In attempts to make my payments, Chase customer service was unable to process payments due to an error on their part regarding the account number for my financial institution. I attempted to reconcile the account and pay what was owed but due to their error on their part the payment was reversed several times : XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 WAIVED LATE CHARGE {$20.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00}
This item still appears on my XXXX  credit report. The source, XXXX & Synchrony Bank ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

XXXX has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-todate info on XXXX Cybersecurity Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XX/XX/XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP
Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.
when I checked my credit I found that Asset Acceptance Corp had placed a collection on my XXXX credit report I never received notice of this of any kind this is against the law and I will take legal action against this company if this is not removed from my XXXX report immediately.
AMCOL recently reported to the XXXX credit bureaus that I have an unpaid {$890.00} bill owed to XXXX XXXX. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute this account. I would have liked to have that opportunity because I am certain my health-care provider paid this anyway.
My name is XXXX XXXX. XXXX XXXX, XXXX I made a Cash Deposit ( CD ). There was no activity regarding the account. I never got notified about it. On XXXX XXXX, XXXX I went into Wells Fargo to claim my CD and obtain any information about it. Wells Fargo told me I had to wait ten days to hear from them. They called me and told me that the bank is still waiting. I called them and spoke with XXXX who told me to call the Wells Fargo claim department. So, I called and they told me to go to the branch where I deposited the money. When I arrived, they told me that they can not find any record anymore and the account was closed on XXXX XXXX. However, I never closed the account and was looking for my money. I was referred to the unclaimed properties of Wells Fargo. I called them and they told me they do not have it. I asked them how do I proceed. I was then directed to the State Controller. I called the number and they told me to ask for a letter of proof of deliverance from the bank. The bank gave me the letter and I faxed/emailed it on Friday, XXXX XXXX. Today is Tuesday, XXXX XXXX. I received an email from the state controller saying that they never had it. I printed it out and took it to the bank. I talked to an executive banker who told me that he could not find the account and could only find my social security number. They told me there was nothing they could do. 

I am a XXXX year old woman. I placed my money into the bank hoping to make some money over the years through the interest. I never received any notices from anyone about my cash deposit. I 've lived in the same place. The have my address. I do n't know where my money went, but I hope and pray that this can be solved. Ive been given the run around. I 've contacted many different departments in the hope that my issue will be resolved.
Transworld System , Inc. ( XXXX ) has repeatedly called my home several times a day for over a week. Knowing that we do not have any late bills, we called them back to day ( XX/XX/2016 ). The agent who answered asked for the ID number that they left on our answering machine. She asked me if I was XXXX and I said no. when she asked me who I was, I told her I was her mother. I then asked what debt my daughter supposedly owed and she refused to tell me. When I told her that my daughter was dead for over 11 yrs. and again asked what the supposed debt was, she refused to tell me and hung up.
XXXX   XXXX   is trying to get my bank info so I ca n't access my check early ... I give them permission but Bank of America is taking forever
I filled out an application for a signature loan with SOFI. www.sofi.com I uploaded the requested documents and they sent me a verification of employment to fill out. i filled out my portion. They faxed it to my employer. They did not include my SSN or an address where the verification can be sent to. 
After waiting about a week and several calls, my employer said they can not by law give out wage information by fax and needed a physical address which SOFI could not provide. Also, SOFI, as a lender should include a SSN when requesting verification of employment. 
I believe they are doing a bait and switch program to lure potential borrowers with attractive options and once a potential borrower applies they can not complete the loan because the way they conduct business prevents the loan from being able to get documentation required.
NCB Management Services ( " NCB '' ) continuously made robocalls with a prerecorded message of debt collection and for the receiving party to dial an extension. In this matter, I am the receiving party of the communication. I have demanded NCB representatives to ( 1 ) divulge all alleged debts, name of the creditor, the amount of the debt, documentations representing an existing debt ( 2 ) stop all telephonic communications to my home and cell phones ( 3 ) confirm the name, address, and other information of the debtor NCB alleges a debt is present. NCB representatives refused to provide any information as per my demands. Furthermore, their representatives demanded I divulge personally identifiable information such as name, address, and social security number which I refused. NCB refused to stop all communications even though they were told on multiple occasions to stop calling. The last call was on XXXX/XXXX/2016 at XXXX est.
I have made multiple written requests for TransUnion to issue my Credit Freeze security PIN and they fail to respond. I placed a Credit Freeze on my bureau more than a year ago due to fraud activity and I need the freeze removed to apply for a mortgage. I can not remove the freeze without a PIN from TransUnion. 

TransUnion will only issue a PIN if they receive a request by mail. I sent them a request on XX/XX/2017 and again XX/XX/2017 and they still have not responded. I live in the state of Arizona and TransUnion 's guide indicates there is no fee for this service. 

There is no way to even follow up to ensure they have received my request and when I can expect to get the PIN issued.
I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.
I received a Balance Transfer Offer in the mail from PNC, where I have a credit card. I went online and submittedt the request. The receiving credit card never received the check. I have called PNC repeatedly and have not received any answers as to why this was never received, although they have posted this charge to my account. They have finally agreed to re-issue the check. My complaint is that if I was not diligent in following up on this matter, I would have had a {$2000.00} charge on my account with no payment received. In addtion, PNC phone representatives have been severely lacking in their ability to address this matter.
Wells Fargo Dealer Services ' Loan Managers from their XXXX XXXX XXXX XXXX agreed to remove the negative information they reported about me to the XXXX major Credit Reporting Agencies-XXXX, XXXX, and XXXX. 

I have tried reasoning with them over the phone, by mail, by fax, and by disputing the negative information issue online with all three credit reporting agencies dispute resolution centers. 

I have not had any success with Wells Fargo Dealer Services keeping their end of the deal, but yet I was able to keep mine. 

The deal was, that if I was able to refinance my auto loan with them to a different lender they would remove all negative information such as late payments, and partial payments, etc. from my credit report files. 

I followed through with my part of this agreement by refinancing with XXXX XXXX XXXX XXXX, and on XXXX, 2016 my auto loan was paid in full with the lender I refinanced with. 

Therefore, I 'd like to know why Wells Fargo Dealer Services has not kept their end of the deal, and I am also going to allow them 30 days from the time they receive this complaint to remove late payments, and negative information on the auto loan account I had with them before I firmly decide to escalate this to a higher authority. 

Please note, although this agreement was made verbally over the phone with their XXXX XXXX XXXX XXXX, this was the only method of negotiation this deal since they do not allow customers at their XXXX XXXX XXXX XXXX 's, and the Wells Fargo branches do not handle the auto loan accounts that Wells Fargo Dealer Services manages, and oversees, thus the reason why it 's been difficult on reaching out to someone from their company who is able to actually take action towards my favor.
Im a victim of Transunion inquiries error and I have XXXX hard inquiries from someone else.
In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US.
I have an account with  PayPal  that has been locked because of a dispute for faulty merchandise. I followed all the  PayPal  steps to unlock the account to include sending a copy of my government issued  XXXX  card. Now PayPal is saying that is not good enough. PayPal wants me to send a copy of my  XXXX  card statement with the full account number. ( For security reasons the  XXXX  card statements do not include the full account number  XXXX  PayPal also wants a copy of my drivers license. They claim the  XXXX  card is not a valid government ID. Plus they want me to fax it to  XXXX .     I have spoke with  XXXX  card who advise for security reason not to send such information.     My concern is they will hack my account and steal my identity.
They have not responded to my dispute. 
XXXX refused to respond to my complaint as well. This was identity theft by my ex-spouse, and we were divorced at that time. I still paid it in full to get it off my record, and then XXXX XXXX XXXX still sent it for collection a month later : Account Details Last Reported Apr XXXX, 2016 Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2016 Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$95.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
In XX/XX/XXXX my family had XXXX immediate family XXXX which left all of us in a position to have to come up with finances to XXXX them. I got behind on all my credit card debts and enrolled in XXXX debt relief. XXXX advised me to pay a monthly amount and they would negotiate the balance and I would make a monthhly payment to them. I was also told no negative report would go to my credit bureau and that it would reflect enrollment in the program and continually paying. However I recently obtained a copy of my credit bureau reports and they show numerous creditors, including Synchrony Bank as a " charge off '' which is prohibiting me from renting a residence, or obtaining decent credit. I contacted Synchrony Bank on various occasions and was told that enrollment in a debt relief program was a positive step and it would not be reported negatively on my credit bureau. All XXXX credit bureau reports show " Charge Offs ''. In XX/XX/XXXX I obtained a consolidation loan and every creditor has been paid in full. I have faithfully paid these debts and want to pay off the consolidation loan in the near future. My credit is ruined with these reports of charge offs.
I have had many issues with Overdraft fees that I have to pay at my bank, although many neighbors don't get charged fees at the same bank. I was therefore thrilled to find the XXXX XXXX. It advances me up to {$75.00} per pay period, which I've utilized to avoid magic math at citizens bank. This morning at XXXX XXXX, all weekend transactions had gone through, according to the Citizens app. But I was at a negative {$3.00}. 
Fortunately, I have the XXXX XXXX. I asked and XXXX sent me {$75.00}. But my account stayed in the red at - {$3.00}. 
I telephoned Citizens Customer Service at once. The agent nicely looked over my account and says, " you had over {$500.00} when that {$75.00} hit this morning. '' I explained that I have screen shots to the contrary. I explained that I would have no reason to ask for the {$75.00} from an app if I still had {$500.00} in my account. I explained that items paid on XX/XX/19 are now showing as being paid on XX/XX/19. I explained that I have the date, time and confirmation numbers of said transactions. I really felt like he finally understood. And then he hung up on me. I would like to assume we were disconnected, but no one returned my call. Citizens owes me {$71.00} Also, while searching my account, I see I was charged over {$1000.00} in overdraft fees last year. Since I know people who have overdraft more than I but weren't penalized by Citizens Bank, I'd like to start a clean slate with my bank in XX/XX/2019 and accept the balance of what they owe me as well.
There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.
I had a CITI commercial card that the military issued me, that ended up being a charge off. For some reason the XXXX did not complete the final voucher to pay the card in full before I dishcharged, although they signed it off on my out processing form. Unfortunately I had no knowledge of the delinquency and subsequent charge off due to the fact that I was contracting overseas in XXXX. I didn't know about the charge off until it showed up on my credit report. These cards do not normally report when the status is current, only when its charged off. I paid the card in full out of my own pocket. Although I paid it in full, it misreported in XXXX and tanked my scores by 35+ points. I called CITI directly and they told me they don't know why it would report that way and they aren't seeing anything on their end. I honestly don't believe they were taking me seriously. I sent in proof of payment and the misreporting on my credit reports. They responded with an email and case number annotating I will receive a response in 2 BUSINESS DAYS. Its been 2 business days and I have not received a response, which reinforces my initial feeling they are not taking my concerns seriously. I'm trying to buy a home in the near future, and this misreported derogatory information is suppressing my credit scores for a paid in full account.
I was billed twice the normal amount for a XXXX and way overcharged for a consultation for the procedure. My insurance company would have paid all if their billing department would have billed it as my normal 10 year check up. For some reason they would not. I asked for it to be fixed they turned it over to collections. I asked to speak with the doctor about his excessive bill and he would not discuss with me. That bill was also turned over to collections. I told the collection company that i was disputing the bill by letter. They still sent the information to the credit reporting agencies. My credit has been damaged.