WillisBack/dataset-financial-user-claim huggingface dataset:
I logged into my online banking with Chase and noticed that one of my credit cards had shown closed. I contacted their executive office and they said yes indeed it was closed and they would research it and get back to me. This is the third time this has happened and they have reopened my account in the past. 

I understand that Chase may reserve the right to close my account due to inactivity but as a financial institution it is within their operating agreement that they will not do financial harm to their customers. 

The account they closed is my second oldest tradeline. By closing it, they have effective done financial harm to me by reducing the number of tradelines I have open as well as my credit age which has not been cut in half. 

Chase called me today to tell me they sent me a letter several months ago telling me my account is going to be closed. I did not receive this letter, if I had I would have contacted them earlier as I had done so in the past two occurrences. 

I would like Chase to reinstate my account and give me the opportunity to keep my stellar credit profile. Other than a single letter that they claim they sent ( to cover their own interest ) they made no effort to reach me either through email or phone ( of which they could have easily done ). They took almost no effort to protect me from the financial harm that they knew this account closure would do.
My credit report indicates that I 've " also been known as '' a name that I have never used. I 'm not sure how this happened or how to remedy it.
My husband and I got XXXX car leases from American Honda finance corporation they did a trade-in for my XXXX XXXX XXXX and they gave us XXXX XXXX XXXX XXXX then a couple of months later they turned it into an auto loan what they did is they had me co-sign for my husbands & my husband cosign for mine. They knew what they were doing because they manipulated the paperwork. I went to the Honda dealership in XXXX CA. I just got a letter from a lawyer 's office stating that they were having some type of lawsuit due to the fact they would hive higher APR 's for minorities XXXX XXXX ( my race ) XXXX and XXXX than XXXX people. The cars were later repoed voluntarily. I want this removed from my credit report because if they crooks & gave people higher APR 's I should n't be responsible for what they did, & to put me & others in a financial bind I am looking into talking into a lawyer or I would love for you guys to take this case. Please get original paperwork. Also they denied me to get my belongings out of XXXX of the cars because it was repoed. They told me I must pay before I can retrieve any items.
About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.
Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.
Everyday in XX/XX/XXXX and XX/XX/XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company PROFESSIONAL DEBT MEDIATION to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XXXX XXXX, 2017, has not provided any response in over 30 days. An unverified debt that PDM has on file containing unconfirmed information associated with the consumer. The information PDM is reporting is therefore Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ].
I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus ( transunion,  XXXX , and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
I had a credit card with Citi Bank which I decided to close ( because frankly they XXXX ). Six months later after account closure and no activity a charge appeared on the closed credit card. Long story short, since it was a " subscription based '' merchant, Citi allowed the charges even though the account was closed and the billing address did n't match to merchants charges ( mind blown ). 
I expected Citi to credit my account and apologize for allowing the charge to go through. INSTEAD after spending hours speaking with multiple representatives and Managers and being forced to fill out and submit a " claim dispute form '' I still have a {$150.00} balance on my " closed '' credit card. 
Any advice on how to handle would be appreciated.
Statebridge company LLC this mortgage company do not cooperate with anybody or anyone. 
After I fell in foreclose I did everything to try to save my home. Every where I went to do the harp program I did qualify for this program. But statebridge say differently. After reviewing all my income for this qualification which I got a proof. Statebridge still say no. So I did what anybody will do. Get it for short sale. They still gave short sale center an hard time for there cooperation. They refuse to help the short sale center for any information that they made need. Please help me Because I have a sale date for XXXX XXXX, 2015. I want to same my home and making the suitable mortgage payment. Thank you ....
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the XXXX XXXXXXXX XXXX XXXX with acc # XXXX XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
On numerous occasions, I 've disputed an incorrect filing date for a judgement that appears in the public records section of my credit report. The actual filing date is XX/XX/XXXX, but my credit report reflects a date of XX/XX/XXXX ( which is the date the judgement was issued, not the filing date ). The XXXX XXXX court system keeps confirming the incorrect date so I obtained an official copy of the docket and forwarded it to the XXXX credit bureaus for an internal review. Thus far XXXX of the XXXX have made the appropriate adjustments. Equifax attempted to make the changes but keep reverting back to the same incorrect information. I have complained and re-investigated the item with them on numerous occasions to no avail which leaves me to file a consumer complaint and possibly a complaint with the FTC if corrective actions are not taken.
XXXX XXXX placed XXXX previously removed accounts on my report. XXXX accounts were closed in 2010. Both were sold to debt collection agencies. XXXX XXXX re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX
Convergent reported a collection account on my report. Prior to reporting the account, I did not receive notice of my right to dispute.
Experian Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.
I have contacted XXXX XXXX, now XXXX on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
My apartment charged a break-lease fee ( ~ {$1200.00} ) and turned it over to a collection agency, as they apparently do n't have an accounting department. The debt was paid in full and the account was closed. It is a significant derogatory mark on my credit report and I request that it is closed as it is negatively affecting my credit score.
According to my recent credit report request from Transunion, XXXX, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
I purchased my vehicle at XXXXXXXX XXXX  XXXX XX/XX/XXXX and financed my car with them. I paid of my car on XX/XX/XXXX. I never received the title to my car. Toyota Financial Services told me to go to the DMV and get my title. They told me to do this and I went 3 times to get my Pink Slip. XXXX with Toyota Financial said she has made numerous calls and still can't get it. DMV in XXXX said that XXXX XXXX XXXX has the title and they are the ones that need to release the lien. I called XXXX XXXX XXXX   on XX/XX/XXXX and they said they would have the lien released. Never got it. I called XXXX XXXX XXXX on XX/XX/XXXX and XXXX said she would sent an email to the collateral dept to get the release of lien. Never got it. I called today XX/XX/XXXX and now XXXX XXXX XXXX said they don't have any records. I need your help!
This is an unauthorized inquiry that 's being reporting by this creditor Corporate Office | GM Financial Corporate Office | GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX Gm Financial XXXX XXXX, XXXX Unknown inquiry, please delete
To whom this may concern, I am writing this letter because I have tried numerous times to resolve the issue of late payments during hardship that were reported on my credit report. XXXX was called and verbally told that I was unable to pay the credit card debt at the time because I lost my job due to Hurricane Harvey. I was unable to work. They continued to ask if I had a family member or someone who could help me pay, but I did not. At the time, I did not even have a place to live or a car anymore. I am not only taking care of myself but XXXX young children as well. I was also in XXXX at the time. The first representative I spoke to over the phone, who was female, was very nice and understanding. The second representative, that was a man, was very rude. He was disrespectful especially being that I had already told him and the lady before him everything I could. I told them both that I would be able to make a payment by XX/XX/XXXX. He began to get personal and ask me what would change between the time of his call and XX/XX/XXXX. He even asked where I would get this money from. I tried to explain my situation the best I could, but when he raised his voice, I had to hang up the phone. With all that being said, I stayed true to that promise. I was able to make a payment on XX/XX/XXXX and by XX/XX/XXXX, the debt was completely paid off. These representatives did not note my account of me being in a hardship or even provide other options of other routes ( lower monthly payments, lower interest rate, etc. ) to work out an agreement to save my account or protect my credit. Not only was my account closed, but I also had to pay late payments between XX/XX/XXXX and XX/XX/XXXX. 
For the last two months, I have been sending letters and emails in hopes of having these late payments during the dates of XX/XX/XXXX and XX/XX/XXXX removed from all three credit reports. The account is now closed and paid off. I have only received one letter back stating that they could not dispute accurate information, however, this information is not accurate. I do not believe they have done the proper investigation with my account being that I let XXXX know I was unable to pay due to loss of job and home because of Hurricane Harvey. I have attached bill statements to correspond with my promise to pay by XX/XX/XXXX as well as the letters/emails sent for the request of late payment removals. Dates are included on letters. All personal information is blacked out due to privacy.
My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.
Multiple calls during the day. Some are hang up calls, some are answered, then I am put on hold for 20 minutes and then they hang up. Some verbal abuse, e.g. " you got yourself into this mess '', or " we never take it off your credit report '' ( I was attempting to negotiate a settlement in exchange for a promise to delete ). We get close to an agreement to settle, i.e. 50 %, then the next time they call they start all over again with 90 %.
my house burnt down on XX/XX/2015. i finally received a check from my insurance company to pay off the mortgage on XXXX/XXXX/2015. i two day priority mailed a XXXX check to quicken loans on XXXX/XXXX/2015. the post office lost the check and it did not arrive until XX/XX/XXXX so now quicken loans wants me to pay an additional XXXX to avoid forclosure on the property because it did not arrive by XX/XX/XXXX eventhough i have tracking numbers and proof that it is not my fault and it was lost in the mail.
XXXX of 2016 I entered into an agreement with Cornerstone legal group LLC in Florida to consolidate and negotiate three debts. As of today no communication was ever made to any of the creditors. The company has taken all funds and applied to their services. Several written requests have been made for copies of all communication regarding my creditors none has been supplied. I have now spent 3 days tracking down my creditors and have been informed No communication on my behalf has been made. We are talking 20 months with plenty of opportunity and yet their fees over 3600 have been paid to themselves,
I was going to XXXX school in XX/XX/89, and they took all the monies, one day we went and the next day after we gave the monies to the school they were closed, I never finished school, I am on a fixed income and now they are taking it out of my Social security they has been 27 years I have called repeal times about this and I asked because the school closed and I could never finished I was a single mother of XXXX kids and I had to work, I would like to see if they will Reduce the loan amount or even cancel. I am XXXX please help me
Since 2001 our mortgage provider has been XXXX. A few months ago -- without our say-so -- we were informed Shellpoint was our new provider. 

XXXX has paid our homeowner 's policy to XXXX XXXX via our escrow account. 

XXXX XXXX XXXX is our main house. XXXX and XXXX XXXX XXXX are two cottages. We also have a barn. XXXX has paid out these policies to XXXX XXXX. 

Shellpoint is not paying XXXX XXXX for XXXX and XXXX XXXX XXXX, nor the barn. They have no understanding that these are two cottages ; they are entirely unaware that XXXX and XXXX XXXX have covered these for over a decade. 

Our address, XXXX XXXX XXXX, was changed a good decade ago from XXXX XXXX XXXX XXXX. Shellpoint also seems unable to understand this, although the name change is longstanding. 

I have called over and over again, to no avail. 

XXXX XXXX has sent over a complete file -- I called to check to see if Shellpoint had processed this, but was unable to reach anyone. 

Shell point needs to pay XXXX XXXX ASAP.
I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX  up until XX/XX/XXXX which that last payment was XXXX.
My request is : Please remove the new PRIOR SERVICER fee being placed upon my home mortgage account. 
This is regarding a fee of {$1200.00}. This new PRIOR SERVICER fee is a surprise to me. I was never made aware of it, nor was I sent a demand to pay it until my account was transferred to a different loan servicer ; which is : XXXX XXXX On XX/XX/XXXX, a mysterious extra PRIOR SERVICER fee was added to my monthly house payment. The explanation was given in the form of a list as follows : AND, I am copying exactly as it is presented to me. Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$920.00} ; and Transaction date : XX/XX/XXXX, PUBLICATION NOTICE, amt. {$21.00} ; and Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$230.00} ; and Transaction date : XX/XX/XXXX, LEGAL CERTMAIL, amt. {$25.00} ; and Transaction date : XX/XX/XXXX LEGALPOSTINGCOST, amt. {$16.00}. There is no better explanation of what it means. So I called the new loan servicing company : XXXX XXXX XXXX XXXX and I was informed the fees are for a loan default ( which I paid off in XX/XX/XXXX ), from the previous loan servicing company XXXX XXXX. Please check into this and stop this undeserved penalty fee. The dates of the mysterious PRIOR SERVICER fee dont match with any of the dates during the reinstatement of the loan from the default dates. So Im concerned that this is a double charge placed after Ive paid all the late charges and penalties from the previous foreclosure back in XX/XX/XXXX. Please help.
This is not my account and is a result of identity theft. I have tried to resolve this unknown debt with the previous creditor - XXXX And sent 3 notice letters requesting the validity of this debt and never responded. They refuse to respond to my request in writing and " in writing '' is the only way i want to be contacted. They are fraudulently collecting a debt that is not mine/never authorized. And refuses to show proof of validity this debt is mine! I demand that all correspondence regarding this debt is sent to me in writing.