WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted a payoff to XXXX XXXX XXXX XXXX XXXX. This payoff was evidenced by a filing via a UCC 1 Financing statement recording File no. XXXX. I submitted payoff via mail and sent copies of payoff via fax, email and certified mail. To this date XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX has fail to credit my account and continuesbto bill me.
There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Transunion is reporting 4 student loans reporting from XX/XX/17 on my report as in Bankruptcy. This information incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Transunion is reporting false information. This information is being reported and adverse information on my credit report.
To : CFPB Consumer Financial Protection Bureau Regarding Bank of America I called Bank of America on XX/XX/2018 to tell them that I had just noticed some fraud charges on my checking bank account, for the past several months each month since XX/XX/2018 there was {$150.00} being taken out of my checking account in XX/XX/XXXX and XX/XX/XXXX there was {$120.00} each month being taken out for a total of {$700.00}. I informed Bank of America that I did not authorize those payments, the person who took my claim said she was going to credit me back the money I also ask them if I need to do anything else for my claim they said if there was more information needed I would be contacted. They messaged me a letter thru my bank account on XX/XX/2018 stating that my claim had been denied. I called the bank and asked why it was being denied if I never authorized those payments, they said to send in more information and they would further investigate that claim. I faxed over and emailed the copies of the police report and a print out of the fraudulent companies website. I checked my account today XX/XX/2018 and Bank of America took out of my checking account the {$700.00} they had issued a credit for on XX/XX/2018. 
I called Bank of America and the person who answered was very short and rude saying I should have never had gotten credit for this claim and they weren't going to do anything to try to resolve my problem that my money was gone. They kept on repeating that the Federal government doesn't require them to protect my checking account number that the Federal government only requires them to protect my debt card. 
I feel like as big of a bank Bank of America is they should protect my bank account totally not just my Debit card. I do not feel like they even tried to help resolve my problem. Someone stole from my bank account and the bank did nothing about it. I asked them to give me the information of the bank who stole my money so I could give it to the police so maybe the police can do something about it, but they rather protect the bank/people that stole from me than help the police try to prevent these things from happening to people. 
This money was stolen directly from my checking account and Bank of America should protect their customers.
My problem with the loan was the monthly payment of {$900.00}. As I started to try a way to negotiate the loan do to my personal income dropping drastically it lead me, to call and try to negotiate for a lower monthly payment. But they suggested to surrender the car instead, so we did. Now Ive been sent a summons for an attempted to collect through a XXXX court order the amount of {$14000.00}
My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.
my mortgage company charge me late fee for the last nine months even if i only miss one payment and unable to refund the fee and continue to charge me a monthly late fee.
Based on the new requirements for Public Records I have filed disputes with XXXX, XXXX and Equifax to remove my tax lien based on it lacking a full SS # or D.O.B. I disputed 2 times with XXXX and they just last week removed the lien. With Equifax I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution. With XXXX, I disputed first on line the week of XXXX XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XXXX XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XXXX XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XXXX I found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed  and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it. I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.
URGENT! 
I want LoanCare to pay the HOA fees as agreed before I loose my home on XX/XX/XXXX due to a foreclosure sale. I received the following email on XX/XX/XXXX and I need clarification : Good Morning XXXX - The client has informed us that they will not be paying the outstanding HOA dues in the amount of $ XXXX on a $ XXXX loan. Also, the client is aware of the sale on XX/XX/XXXX, and are well aware that CA is not a super lien state. Thank you XXXX XXXX Mortgage Resolution Specialist- Default LC-Foreclosure Department LoanCare, XXXX O : XXXX F : XXXX XXXX : XXXXXXXXXXXX XXXX : www.myloancare.com A : XXXX , VA XXXX XXXX # XXXX I am NOT sure if there is a communication issue BUT I have sent the following emails as to my intentions last week and earlier today : XXXX Hello, Any updates on this matter? Also I explicitedly asked you all NOT to share my loan number and loan balance with the XXXX! Please let me know IF you will be paying the HOA fees. I mentioned several times that I will take care of the XXXX. I am only interested in the HOA fees being paid so this will stop the sale. However IF this is NOT feasible then I said to proceed with payment. I need your response before I loose my house. Thank you. XXXX XXXX XXXX XX/XX/XXXX Hello, Any updates on this matter? I was able to locate a statement from the XXXX XXXX HOA. The HOA stopped sending me statements years ago. I temporarily moved out of my townhome in XX/XX/XXXX and surprise I received 2 statements in the mail from the HOA a few weeks after I moved. One reflects a balance of {$6700.00} then a few days from that statement I received another statement reflecting {$20000.00}. The XXXX states I owe {$29000.00} in HOA fees through XX/XX/XXXX. The rest they are stating I owe to the XXXX : {$25000.00}. This is why I ask if you could please send a payment of the {$29000.00} to the XXXX XXXX HOA or even the {$31000.00} ( as per the Writ of Sale scheduled for XX/XX/XXXX )? XXXX XXXX Hopefully, LoanCare will be able to at least send me something in the mail that shows the HOA fees were paid in full and I will be able to appear on XX/XX/XXXX in the court to present that document to try to stop the sale? ******OR can you have some representatives from LOANCARE to be present at the sale on XX/XX/XXXX to issue this check to the HOA on that day to stop the sale of my townhome? ***** In summary I am asking for LoanCare to remit payment to the HOA ( XXXX XXXX ) in the amount of {$29000.00} or even in the amount of {$31000.00} ( per writ of sale ) to be on the safe side. Payment should be remitted to XXXX HOA c/o XXXX, CA XXXX. HOA ACCOUNT NUMBER : XXXX. Make check payable to XXXX XXXX. ( As I sent on XX/XX/XXXX in an attachment in an email to XXXX with Loan Care. Otherwise go ahead and proceed with the full payment of $ XXXX so the loan with stay in place and I wo n't become homeless next month.
I sent a notice to Trans Union on XX/XX/XXXX which they received on XX/XX/XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX ). In the notice I requested that specific info in my file be verified & deleted. I also requested a notice ( according to FCRA 611 6 ( B ) iii that provides me with " A description of the procedure used to determine the accuracy and completeness of the information '' including the business name and address of any furnisher of information contacted in connection with such information. However what I received ( which was dated XX/XX/XXXX but not actually received until XX/XX/XXXX ) was a bunch of papers placed in an envelope numbered but unorganized ( pages out of order ) duplicate copies of letters & memos. It took me 2 days to organize it to the best of my ability. However none of what I requested was amongst all of the pages. It said : " Information Updated '' on 1 account on another it said " disputed information updated and other information updated '' ( however the last 'date ' it was updated according to the report that was thrown in the envelope was 3yrs ago ) also there was a message that said. " verified as accurate and updated ''.
For about two months now I haven't been able to see my Equifax credit score. I called and they told me I needed to update my new marriage name and address in the system. I sent them all of the documents they needed. I've been sending it for the last two months and they refuse to update the information. They will send a letter to my father as if he has sent in information! I am in the process of buying a home and this is holding me up.
I pulled a copy of my credit report and noticed several errors in my files. Per section # 609 of the Fair Credit Reporting Act consumers have the right to dispute inaccurate information. I started disputing with TU about 3 months ago. On XX/XX/XXXX, XXXX XXXX sent me an alert so I accessed my account for updates. To my surprise, TU had finally removed the derogatory/ inaccurate items from my report. In addition to that, they removed ALL of the accounts that were POSITIVELY reporting on my credit report. On XX/XX/XXXX my score with XXXX was XXXX and on XX/XX/XXXX XXXX XXXX was reporting XXXX. Currently, there's only ONE account reporting and that's XXXX XXXX   XXXX. None of my new accounts, Installment, or revolving accounts are reporting. I knew something wasn't right because I received a letter from TU on XX/XX/XXXX with a dispute status stating : After reviewing your dispute request, we found the information you disputed does not currently appear on your TU report. It's possible the information was updated before we reviewed your report or it was reported by one of the other credit reporting companies. Normally, TU will send an updated Credit report but in this case they DIDN'T. They instructed me to pull a copy myself. I am filing this complaint because TU is negligent of removing items that were not a part of my original disputes. Also, I feel that TU is not in compliance with the policies or standards that they require their employees to  follow. This has caused severe emotional stress because I'm working on opening a business and purchasing a home. By removing those positive items from my account, this has a negative impact on my credit scores, interest rates and the ability to establish/ obtain new credit. I will be filing a complaint with the FTC and the CFPB. I'm demanding an immediate investigation into this claim and would like for TU to restore my report with the positive accounts I had listed prior to them deleting them.
I was written a check from my former room mate to cover her rent and I wen to ACE check cashing to cash this check. The check was bounced and now Ace is calling me to pay the money back. Its beginning to be harassing and takes minutes from my phone with each call they call at least three four times a day. I dont think I should be the XXXX they go after regaurding this matter it should be the person that wrote the check. I live on a fixed income and I feel like a victim in this case I am loosing minutes and i only have a government phone I use it for my doctors because I have a life threatning illness. I just lost and wish the calls stop.
I did n't autorize XXXX, PR XXXX ( XXXX ) XXXXTo do a hard inquiry of my credit.
Hi there, My name is XXXX XXXX and I have just started repaying my student loans. I have been paying {$25.00} each month ( or more ) to keep my interest from growing on each of my loans. Although I've been proactive in this my interest rate with XXXX XXXX is 10.75 % on my first loan of {$9700.00}, 10.75 % for {$9400.00}, and 8.625 % for my final loan of {$6100.00}. I looked into refinancing but am unable to since I don't have much of a credit history to be able to refinance. My first payments were withdrawn this past month on XX/XX/XXXX and this is not including my government loans that mount up to $ XXXX. Please let me know if you have any questions, I'm happy to pass along any additional information. 

Best, XXXX
I began getting multiple phone calls on my cell phone on XXXX XXXX, XXXX and XXXX, XXXX as well as my wife 's cell phone asking for me. 
I did return the call and it is XXXX XXXX agency telling me they are trying to collect a debit from XXXX XXXX, XXXX. 
I have never received any notices regarding this in the past almost 5 years and they insist they have been sending them. 
They verified my address correctly and told me they would be reporting to the credit bureaus until I paid this debt. 
I have no information regarding what it is for. 
They said they would mail be something and they continue to call my cell phone today twice already. 
At this point, they are harrassing me and will not give me any information. 
Why have they not been bothering me in 5 years and starting now? 
I have had the same cell phone number since then and same address. 
I fear this is a scam.
On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!
I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.
On XX/XX/2018 I transferred {$5500.00} from my Citi Bank checking Acct. to my XXXX XXXX checking Acct. Citi Bank has provided me with a letter ( see attached ) with all the information in regard the funds were transferred successfully ( tracking and reference # s ). Which I provided the letter to XXXX XXXX branch manager and CEO. XXXX XXXX respond was that the funds were never reached them. In the Citi Bank payee details, it shows that the funds were transferred to : XXXX XXXX XXXX, GA XXXX I have visited XXXX XXXX branch several times talking to various staff including the manager, service manager and assistance manager, all them their answers were the funds never reached XXXX XXXX. 
I have spoken with the following staff at Citi Bank : XXXX XXXX Citigold Relationship Manager ( XXXX ) XXXX XXXX XXXX Branch Manager ( XXXX ) XXXX Citi Bank 's respond was that they transferred the funds successfully, is no longer their problem. Being a Citi Bank account holder, I believe is the responsibility of Citi Bank to protect the assets of their account holder, deposits, payments, credit cards and transfers. Citi Bank should have contacted XXXX XXXX to search what happen to the funds. 
I have filed a case against XXXX XXXX as well with the office of the comptroller of the currency, that case # is XXXX. 
Many thanks for your help and finding the funds.
Issue started after a purchase made on XXXX/XXXX/XXXX was returned on XXXX/XXXX/XXXX and the refund of {$750.00} was not applied. I have called American Express several times & spent many hours explaining to supervisors and was assured that it was corrected only to find out that the next statement did not resolve the issue. I have requested in writing since XXXX XXXX for an explanation. I have found out that funds were being transferred from one account to another to resolve the issue. I was not given any disclosures regarding these accounts. More recently, on theirXX/XX/XXXX letter to me they provided for the first time a better explanation of how payments were applied. However, the amount due was incorrect. On XXXX XXXX & then again on XXXX XXXX, XXXX, I sent them another letter disputing the amount due and to correct the amount due. Due to my dissatisfaction of how my account has been treated I also requested for information regarding terms and conditions if I decide to cancel my American Express card. I have not utilized this card for over a year due to the issues. Not only has American Express initiated cancellation as stated on their letter to me on XXXX XXXX, XXXX but they also did not correct the amount due and as a result my account is past due. I have never been late with this card. As stated in previous communications by American Express to me, while the matter is under investigation, I am not responsible for the amount due. However, at this time, they are disregarding this and my account is considered past due. This is not right.
XXXX XXXX XXXX is reporting an inaccurate late on my credit report.
I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.
I have two issues with JPMorgan Chase Bank. ( 1 ) My uncle had a checking account at Chase with myself on the account as POA. No other name was on the account and it had no beneficiaries. My uncle died on XXXX XXXX, 2016. I am the executor of his estate. Because his daughter had tried to steal his estate some years earlier, he had by name " disinherited '' her in his will. I brought the will to my local Chase branch in XXXX XXXX, Utah, but the representative said that the Bank did not need a copy of the will. On XXXX XXXX, the daughter withdrew all the money ( {$26000.00} ) from the account at the branch in XXXX, CA. On XXXX XXXX, I discovered this withdrawal on the bank statement. I immediately reported the fraud to Chase Claims. Why would Chase give the money to someone not on the account and specifically excluded from my uncle 's will? The Claims department said that they would need to investigate, but required an affidavit from me before they could start. ( 2 ) On XXXX XXXX, I brought my completed affidavit to my local Chase branch. The branch faxed the affidavit to the Claims Department - their fax number is on the affidavit form. On XXXX XXXX, I telephoned Chase Claims. The rep said that the fax area would electronically attach the affidavit to the online claims and that the Claims department would not start investigating until the affidavit was visible. The rep said that the affidavit was not yet visible, but it could be " in the pile '' so that I should wait until Monday. On Monday XX/XX/XXXX, I telephoned again. The affidavit was still not attached. The Branch Manager at my local branch promised to re-fax and let me know. XXXX XXXX, Claims could still not see the affidavit, but " could not telephone '' the fax area to know if fax was there. I faxed the affidavit from a XXXX store. I escalated the issue. The branch manager was able to get the affidavit to XXXX XXXX in the executive area, who, he said, would help me. XXXX XXXX, Chase still does not have the affidavit. In summary, the Chase branch has faxed the affidavit at least four times and I have faxed it once over the last 14 days. ( FYI Chase refuses to accept an attachment to an email. ) Yet, Chase can not and will not try to find the faxes in the Claims fax area. Apparently, Chase does not have the capability to know if a fax was received. Chase refuses to start investigating until they have my affidavit, even though I did technically provide the affidavit to Chase in the branch. The possibility of recovering the money stolen from my uncle 's estate is reduced every day that passes. I am caught in the bind of Chase not being able to receive my affidavit no matter how hard I try and Chase refusing to investigate until they have my affidavit.
I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.
They had me pay XXXX installment to assure I would pay them, but and then I would get the Loan plus get my XXXX reemburst but I never did
Equifax mishandled customer information, putting millions of customers at risk for identity protection. I am listed as a victim according to the www.equifaxsecurity2017.com website, and I would like a resolution.