WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! 
P.S. We have all our phone conversations with Chase recorded if needed for further evidence!
I signed up for the Care Credit account I 'm XX/XX/XXXX. They had a " promotional '' deal with low interest rates good for 18 months ; the rate thereafter would go into the high 20 's ( 26 % + ). 

The expiration for the low rate was XXXX, whereupon an accrued amount of {$3000.00} was added to my balance taking it from $ XXXX to $ XXXX. 

My understanding of how the rate increase would occur was that at the end of the promotion, my remaining balance would be charged interest at the non-promotional 26 % + rate. It was never explained otherwise to me.
This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at Equifax that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The Equifax breach allowed other attempts o my and millions of other XXXX  XXXX with the past year. I Believe if CFPB can not compel XXXX to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
Transunion allows opening of personal web site accounts ( no other rating agencies do ). My ID was hacked from my previous employer. Fraudster then opened Transunion web account with my info and then ordered a credit report for TU promotional rate of {$1.00}. Transunion then recorded these transactions on my credit report. After numerous contacts to Transunion, they refuse to notate these on-line inquiries as fraudulent, they keep saying they do not matter. There seens to be a systemic issue with Transuion - number one - they should not offer persistent web accounts to individuals - since most folks would never open them and it seems like a perfect opening for fraudsters. Number two, they should allow notation on these inquiries that clearly show their fraudulent origin.
I borrowed {$800.00} from Castle Payday loans on XXXX XXXX, 2015. They have taken payments out of my bank account equal to {$1600.00}. and continue to try to debit my bank account {$400.00} twice a month. I am on social security and my bank account continues to be overdrawn because of them trying to take my money out. As soon as my SS check goes into my account each month I have to draw it out and pay my mortgage and utilities to keep them from taking it. I have had a nervous breakdown and I ca n't take this stress, I ca n't talk to them on the phone because i ca n't understand what they are saying and I do n't know how to stop them from taking my money. they are calling me all day long and leaving messages on my voice mail and I ca n't talk to them.
There is a letter attached that explains my dilemma and the substantiating paperwork. Additionally what is briefly indicated in the letter is a prior complaint I had as it relates to their not honoring the extension promised after I paid all the late fees. I included copies of the confirming fax that I sent several times which claimed to have not received. I spoke with several representatives as indicated. There seems to be a systematic web of deception. 

This complaint is regarding my car having been repossessed and retrieved by me. They are still claiming I owe two payments. I have attached the proof that I paid.
We signed a contract for a home and submitted the contract to Pentagon Federal Credit Union XXXX Penfed XXXX. We were assigned a loan officer, XXXX XXXX, and assigned a closing date of XXXX XXXX. She requested MANY documents for the underwriter, which we returned within only a couple of days. She never confirmed that she received the documents. She did, however, note that she had ordered the appraisal on XXXX XXXX, 2015. The appraisal occurred, but there was an issue with the names on the document. She was given contact information for all parties involved XXXX appraiser, realtor, homeowner 's insurance agent, etc ). She had multiple weeks to get all of her work together. Because I had not heard from her and it was the week of our closing date, I called on Monday, XXXX XXXX. I received no answer, and no response to my voicemail. I called again on Tuesday and received no answer, and no response to my voicemail. On Thursday evening, she calls to say that she is missing signatures on a contract and needs it immediately. We sent it to her within an hour, even though our realtor claims it was sent to her before ( and I believe this because she has continuously lost documents that I have submitted ). Tonight, XXXX nights before closing, she tells me that now that she has the contract, she will have to get an appraisal done, and that I should contact the seller and request a new closing date. I do not want a new closing date, and everyone has done their part to make sure closing happened on time except for her. And if she had answered the phone earlier in the week, or returned a phone call, perhaps we would n't be in this situation.
I received a letter that synchrony bank reduced my credit limits because I charged more than my limits its incorrect
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX # XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX
My Credit Card number was stolen. Someone charged multiple charges on XXXX of my credit cards. XXXX credit card company credited it back immediately and that was it. The other Chase Bank has refused to remove it and insists the purchase was made by me when it was n't. I do n't know what else to do. Please help.
I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : XXXX XXXX Simon 's Agency have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {XXXX. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep XXXX ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with XXXX, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. XXXX is now in violation of sections 623, 609, 1681 and 603. Simon 's Agency is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.
I reviewed my Equifax Credit Report and observed that Equifax is reflecting XXXX late payments on my XXXX XXXX car loan ( XXXX and XXXX XXXX ). I contacted XXXX XXXX and they confirmed that I do n't have any missed payment 's and that my account was in good standing until my account was paid in full on XXXX XXXX.
Discover Card XX/XX/XXXX & XX/XX/XXXX When attempting to make a greater than minimum payment on my account, Discover stated that if I paid greater than the minimum payment that my ENTIRE BALANCE would become due. 
I contacted Discover and have their reply that " We are not seeing this error. '' I have screen shots that prove this. I had previously contacted them ( prior to XX/XX/XXXX )  and this has not yet been resolved. 
I again today attempted to make a payment and received the same notification. 
This alarms me that they will ONLY accept a minimum payment and not allow me to pay off my account faster. 
Additionally, if a customer missed the statement that their entire balance is due they could face undue financial distress should Discover automatically withdraw the 'Balance Due '.
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but PayPal told us we lost the dispute. PayPal sent my business 's debt to collection and both the debt collector and PayPal informed me that the debt was to me personally, not my business. Both told me that although I have a business PayPal account, somehow PayPal circumvents this. Neither were able to tell me legally how this is possible or where in the PayPal user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
Hunter Warfield has caused me much anguish by reporting an invalid debt to XXXX, XXXX, and XXXX for 5 years and 10 months. Hunter Warfield increases this invalid debt monthly. Hunter Warfield occasionally removes and then re-insert this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an Open account. I never received notice of this debt from Hunter Warfield. After close to 6 years I applied for a home loan and was denied due to this criminal act by Hunter Warfield so I decided to check my credit file. This is when I noticed the Hunter Warfield account on my credit report. The amount was over {$7000.00}. I knew that this was wrong because I never had a debt of that magnitude. I did some research online and on XX/XX/XXXX decided to send a letter to Hunter Warfield asking them to either prove that the debt belonged to me or remove the illegal item from credit file. On XX/XX/XXXX Hunter Warfield returned a letter to me stating that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did n't enclose a contract with my signature on it because it does not exist.Not only has their wrongful reporting negatively impacted my life, it has also had a negative effect on my family as well.
In XXXX I financed my house. The payment we agreed on in contract is {$1000.00} and {$20.00} extra towards principle as my mortgage monthly payment for 30 years fixed. The total loan amount is $ XXXX and 4 % APR. However in the last few months my mortgage monthly payment went up to {$1200.00} including the {$20.00} towards principal. So my mortgage payments went up about {$120.00}. 
I called my lender, PACIFIC UNION FINANCIAL, they said it 's because the property taxes went up in XX/XX/XXXX, which is right after I moved in to the house. However the increase in payment and the letter I received for the increase started around XX/XX/XXXX. 
My concern is that I agreed on a payment that I 'm I can afford and comfortable with. However I ended up paying more which is affecting me in a negative way and I am afraid I will fall behind soon.
The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.
Attempted to use the trustedid premier equifax product ( I have been given this product free because I was identified last year as one potentially affected by their data breach ) to monitor my credit during a temporary unfreeze period ( XX/XX/XXXX to XX/XX/XXXX ) verified by all three credit bureaus ( XXXX, XXXX and Equifax ). At first, trustedid exhibited an error message, but that was fixed mid-week ( XX/XX/XXXX, probably ). After that, trustedid exhibited a message " your credit is frozen. '' I have  verified with the equifax phone system that my credit is indeed NOT frozen, and was issued a verification number. I did this for the second time early morning yesterday, XX/XX/XXXX. I also did it earlier in this week ( probably XX/XX/XXXX ). 
Earlier in this week ( probably XX/XX/XXXX, maybe XX/XX/XXXX ) I called equifax customer support to inquire why I was unable to used trustedid to monitor my credit when I had unfrozen the credit and had a verification number for that action. They told me I HAD TO give them my full social security number to unfreeze my credit. I did not want to give in to this, but I did, having the credit unfrozen until XX/XX/XXXX and being issued another verification number. When I had time to see the result ( XX/XX/XXXX ), I still saw the message " your credit is frozen. '' I called equifax customer support XX/XX/XXXX, AFTER using the phone again and issuing an unfreeze of my credit until XX/XX/XXXX and receiving another verification number. I asked why I could not monitor my credit when I had issued a credit unfreeze. They tried to make me surrender my social security number, again, to perform a credit unfreeze. I refused and I cursed at the equifax representative, which is the first time I remember ever doing to any representative for any company. I hanged up and called back and got a different representative, who tried to get my social security number but I stopped them cold and demanded to know why my credit could not be monitored with trustedid when I ABSOLUTELY HAD UNFROZEN MY CREDIT with a pin and had a verification number. They then diverted to a time issue ( i.e., when did I unfreeze it ). I told them I had issued an unfreeze a couple hours before. I was told to try again in a couple hours. 
Well, I waited about 20 hours. Tried today, XX/XX/XXXX, to monitor my verified unfrozen credit. The message " your credit is frozen '' is all I get from the trustedid online service. It does not allow me to monitor my credit. The service it claims to provide does not exist for me. Trustedid is a non-functioning outrage, a lie.
This has been going on since XX/XX/XXXX, My mortgage account with XXXX XXXX XXXX   is showing as closed on my Experian credit report, with numerous disputes and even a phone verification in XX/XX/XXXX, Experian continues to report my account as closed, I am unable to get a home equity line of credit or loan because my mortgage is not reflecting on my report, this is causing me stress and harm because am unable to get my financial needs met related to this situation, I will be seeking legal action, it is my right to have my credit report reflecting accurately. 
XXXX is stating that there is nothing they can do and Experian is stating that there is nothing they can do so I am left in the middle holding the bag with nothing in it!! Completely frustrated and disappointed.
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.
XXXX XXXX XXXX processed a mortgage modification for my residence. I made the 3 trail payments and my mortgage servicing was sold to Rushmore Loan Management. Rushmore would not honor the previous modification agreement they increased my monthly mortgage payment and referred my loan to a foreclosure attorney. I do not think I have been treated fairly I've been working with XXXX XXXX at Rushmore as the single point of contact. She is unwilling to assist me with my mortgage as well as Rushmore Loan Management. I don't want to lose my home. 


See Attached
A company called CBNA/Citibank did a hard credit inquiry on me. This was not initiated by me. Is someone trying to steal my identity? 
They are located at : XXXX XXXX XXXX XXXX XXXX, SD
Reporting of liens that are not accurate and should be removed based on the most recent settlement involving the three credit bureaus and the New York State Attorney under the National Consumer Protection Act. Based on the new NCPA these items were to be removed by XX/XX/2017. Transunion continues to report two tax liens on my credit file.
I can not believe that there are so many unethical people in XXXX company. Wells Fargo employees will come up with any lie they can to cover up their fraudulent activities. They prey on the accounts with low balances because those customers are more unlikely to have the resources or the time to fight back. Wells Fargo erroneously made an unauthorized payment from my account for {$270.00} when my balance was at {$9.00}. No payment should have been made and my account would still been in good standing. I specifically made certain that I had NO Over Draft protection connected to my checking account. Wells Fargo XXXX XXXX XXXX verified that I had gone into the branch and removed the OD protection from my account. Then she informed me that XXXX XXXX protection was XXXX. She used that word, XXXX. That I had no choice, I had to have OD protection on my accounts. I asked why the teller did not inform me of that and she had no answer. In the letter denying my complaint to CFPB, Wells Fargo states that my account DID NOT come with OD Protection and that I requested it. Will someone at Wells Fargo please stop covering your tracks with whatever lie you think fits at the time. People put money in your institution with trust that you will take care of it. That is your job. It is your job to ensure the safekeeping of your clients money. You duty is to ALL of your clients, even the ones with low balances. If XXXX bank employee does the right and ethical thing, do they lose their job? I was blown away by the sheer lack of customer care, concern or responsibility by any Wells Fargo employee that I spoke with regarding this issue. It was deny deny and lie. My credit is ruined by Wells Fargo because you did the wrong thing with MY money and Charged me for it. You immediately should have removed all of your bank fees including the ones that accrued when you told me my account was frozen and IT WAS NEVER frozen. You ruined my credit with your bank fees that you charged me for your error. You would rather lie and charge fraudulent fees than do the right thing. Charging fraudulent fees and lying about people 's money is financial fraud and every XXXX of those employees that lied to cover up your mistake should be barred from working in any financial field and yet it is a totally acceptable practice at Wells Fargo. At XXXX, when my balance is higher or lower I get a phone call and they tell me how my account should be adjusted so that I avoid unnecessary charges. That is how a bank is supposed to treat ALL of their customers and Wells Fargo, rather than looking out for their customers, is looking for ways to charge additional fees to their customers. Wells Fargo should have to make their money by banking, not by bank fraud. And the fines for fraud do not come close to the revenue from fraud, so they will keep on doing it at the expense of the customers who still trust them.