WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XX/XX/XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XXXX, XXXX, and XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with XXXX and Equifax XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XX/XX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.
Chase bought my loan from another company and marketed a reduced 15 year loan. We worked with Chase for three months and were sent a letter turning down our loan for " excessive obligations in relation to eligible income as well as degrading my XXXX credit score. 
First, the refi was for {$320000.00} on a home with a market value of $ XXXX. Our net worth is in excess of $ XXXX, last three years annual AGI in excess of $ XXXX, and total debt of less than $ XXXX, XXXX % mortgage debt. On their statement of Credit Denial They reported credit delingencies, not true, balances are too high on your balance revolving accounts - maybe, but all paid each month, too many delinquent accounts - none, an out right lie, too many high current balances on revolving accounts, not true, a lie, none exist. 
We do not have excessive obligations by any measure - also a lie. 
These people and organization need to restate their denial. This is dangerous for many others and we are very disappointed not in the denial, but with the lies or worst, incompetitence in reviewing loans for home buyers.
On XX/XX/18, I contacted Equifax and requested that Equifax block a fraudulent account from XXXX XXXX XXXX pursuant to the section 605B of the FCRA. I attached an identity theft report naming the fraudulent account and a copy of my identification with my request. 

On XX/XX/18, Equifax denied my request to block the fraudulent account without a specified reason or good cause.
I needed to change the bank account I used to timely pay my mortgage for the last XXXX years. In attempting to switch that account, I had to make a change to the bi-weekly payment plan that I had initially signed-up for. In attempting to update the bank account information in the third party system PNC Mortgage uses, this third party vendor made it nearly impossible to update my new bank account information because of all the " security information '' they needed and it left me discouraged. Because of this, I cancelled my bi-weekly payment plan with the third party vendor and decided to sign-up for automatic withdrawals or electronic funds transfer from my new bank account. I was unaware of the tedious process it takes to sign-up for the eft service that resulted in a late payment on my account. Because I do not bank with PNC - they make you download a form to sign-up for eft service that you have to print out and mail-in. It then takes 30 days to process this form. Because my payment was late, they charged me a {$30.00} late fee, and a {$7.00} " speedpay '' fee to make a payment to keep my account current.
Attorneys XXXX, XXXX, and XXXX, in behalf of PORTFOLIO RECOVERY ASSOCIATES, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from a XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not. Since I had not been notified, I did not appear in my own defense, so thy won a judgment. ( XX/XX/XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not fin out about it until I applied for a property loan in XX/XX/XXXX. Part of the troublesome path I have been through is that PORTFOLIO and two law firms : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX who represented PORTFOLIO at various times stall and waste time blaming each other. I first filed this complaint against XXXX XXXX, XXXX XXXX XXXX because your question asks who notified me of this debt. They responded to you acknowledging my situation but said it was the fault of XXXX, XXXX, and XXXX. So I filed against XXXX, XXXX and XXXX. They responded to you acknowledging my situation but said it was the fault of PORTFOLIO RECOVERY ASSOCIATES. So I am now filing a complaint against PORTFOLIO. 
I got a lawyerin XX/XX/XXXX, who won for me ( Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to purue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. I can't collect the judgement because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. 
They filed a lien for {$7100.00}. The Court has awarded me {$1900.00} by order of XXXX County judge, XXXX XXXX. I have suffered other financial damages because of being denied a loan from my bank. I have suffered other damage because of the time and stress in trying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them It is all on hard copy because my computer blew and the electronic file went with it! The company ( at least their lawyers ) has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..
I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you
Portfolio Recovery has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.
On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Upon accepting the terms of background screening for employment purposes and request of a copy ; information provided in the consumer report proves inaccurate. The consumer report clearly reports information given that does n't match that of mines. Whereabouts of how the information was concluded are unknown given that no records are available to prove otherwise.
I was a victim of a fraud case that was place on me by Bank of America. I went thru the process to recovery some of the funds I had in my checking account I had open with Bank of America back in XX/XX/XXXX. They was implying that they where going to move forward in filing a fraud case against me. I thinking the amount was somewhere between {$1900.00} to {$2300.00}. So they required me to setup a payment plan to pay back the overdraft fee. And the amount of the payment was {$140.00} for 12 months. And in return they told me once the amount is paid in full I 'm not allowed to open up a acconut with Bank of America. I feel that is absurd to do the to a customer who been with Bank of America for the long run. I had investment accounts with Bank of America investment company XXXX XXXX. I was looking to return to Bank of America and continue my relationship with the bank. I believe that was one minor mix up. It happen back in XX/XX/XXXX.
I have the chase slate card and have been trying to close it for several months but they keep adding interest charges, balance transfer fees, late payment fees. I feel so ripped off and helpless. I missed a few payment dates and it was my fault I forgot and paid the interest. I think they even waived them. My balance was around XXXX. I made a smaller payment and then a larger payment so I could get the balance to XXXX and close the account. That never happens. I keep making payments and they keep charging me, and its to the point where its back up to over {$600.00}. I Have not used this card in over a year. Ive called several times and never get help. I am transferred from person to person to then say theyll do this and that and get back to me. They never get back to me, or if they do and say there going to fix the problem it never happens. Then the process starts over by calling and transferring. Its not right that they can do this, and I am not looking to get something for nothing. I make good money and am responsible with my finances but this card has so many hidden fees its impossible to get away from it.
I have a credit card with QVC, synchrony bank collects for them. I went on the QVC website a made a payment for the entire balance showing on XX/XX/XXXX, that payment cleared my bank the same day. Synchrony bank said the payment could be fraudulent, even after speaking with me and that were holding the payment up for 7 days. They already have the money, it cleared my bank account so what could be fraudulent about that, it was an electronic payment, not a check. Yet they sent me an email saying that the payment would be credited the same day. My balance at QVC shows {$9.00} with a credit limit of {$1100.00}, but I have no credit? How does that work? I 've spoken to XXXX people this last week who all gave me a different story, then today I spoke to XXXX who said he was a supervisor and because they had the authority to hold it they were going to hold it and there was nothing I could do about it.
I sent an investigation request to XXXX and Trans Union over two months ago. They were supposed to respond with the results within 30 days, but they have not.
Im a victim of a fraud. An unauthorized transaction made in XXXX XXXX account using all my informations. Charged notice in my bank account of {$450.00} on XX/XX/2018. XXXX XXXX stated transaction was valid. Its not true, my informations in my account in XXXX XXXX was stolen.
I'm in the process of obtaining a mortgage loan and three different companies have told me they get error reports from Equifax which has avoided me being able to move forward on the home purchase process. My home is ready and yet I can't move forward with a loan because Equifax states that there's nothing wrong with my report but no one, including myself have been able to access my report and score. I truly need help on this matter. I have been speaking to them on a daily basis since XX/XX/XXXX with no success.
My loan is less than 30 days past due. I receive multiple calls per day from Navient regarding it. Today ( XXXX XXXX 2017 ) I  answered and explained we are in the middle of an unplanned issue with our bank and will bring my account current as soon as its rectified. The representative immediately said Okay I will go ahead and put your account into forebarance and you wont have to worry about it until after he holidays. I immediately said no that is beyond unnecessary as my monthly payment is only {$41.00}! I can bring it current within a week. 

I am reporting this because it is irresponsible of Navient to immediately steer me towards forebarance ( again ) when my overdue balance is less than {$50.00}. I know there is pending legal again being considered against Navient, for this exact unethical behavior and I will not stand for it.
Capital One credit card services charged {$10.00} for a {$30.00} transaction with XXXX XXXX on XXXX XXXX for financial services. Capital One said it was a cash advance. I never received any cash because the funds were collected by XXXX XXXX. No matter, several customer representatives explained that my agreement give then the right to charge a greater amount as opposed to a lower average fee for cash advances. And thus it was a XXXX XXXX, which I few a a very high rate of interest for a one day transaction. ( I had a {$15.00} credit on my account. ) After talking to several people, Capital One finally said the {$10.00} fee was for a wire transfer. I continued to argue that this was a simple credit card charge, and XXXX XXXX represented it as a credit card charge, not a wire transfer. They failed to explain what are the differences between a credit card and wire transaction. The both use the same wires. Besides, XXXX XXXX represents the charge as a credit card transaction. They were simply charging {$10.00} by renaming the transaction. 

The ref number and authorization code will beaded to the following field.
I received letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) that they attempt to collect a debt on behalf of XXXX. 
I do not do business with XXXX, and I don't think XXXX is in the business of lending money anyway.
I have been a customer of Bank of America for over 30 years. I went into the location at XXXX XXXX XXXX XXXX, XXXX, TX on XXXX XXXX, 2016. My brother and sister-in-law went in with me into the bank so that way I could check on my account and withdraw some funds, and possibly either close the account or remove my son as a signer. I do not want to go into detail about my situation, but the family had opened XXXX cases against my son for elder abuse. So in an effort to be proactive, I brought in a letter from my doctor dated XXXX/XXXX/16 stating that I was clearly competent times XXXX, and perfectly capable of managing my own affairs. I also brought in the paperwork to show that I had revoked my sons POA as well just in case the bank needed to see that paperwork. 
The Financial Center Manager, XXXX XXXX, took us into her office. She looked at my ID, asked me for my social security number, and pulled up my account. She did n't look at the paperwork that I brought in and acted as if it was meaningless. So I asked for {$500.00} and a recent print out of my accounts, which she provided with no questions asked. But then when I asked about removing my son from the account or withdrawing more funds, she left the room and was gone for 15 minutes. XXXX then returned with her assistant manager ( XXXX ), and told me that they called my son XXXX, and that they would NOT give me any more information, statements, would not withdraw any more funds, or perform any other transaction for me. 
In fear for my safety, my brother suggested that we leave as soon as possible since XXXX now knew my whereabouts as a result of the phone call that XXXX made. We called my niece, who is a XXXX in XXXX, and told her about the illegal treatment we received. She immediately got on the phone and tried to contact the District Manager, XXXX XXXX, but he did not answer the phone. So she sent him an email informing him of what happened. Well, as XXXX would have it, we stopped at the next Bank of America that we could find, and XXXX was there. XXXX told us that he was aware of the situation and received the email, but that he could not release the hold that XXXX XXXX had placed on the account. He looked over my paperwork and assured us that XXXX would take care of me the next time that I went into the office. I am not sure why he could n't have taken care of me, which was NOT right. 
My niece flew down from XXXX to go with us to the bank to withdraw at least my Social Security deposit, but XXXX had deleted the hold and gave all of the funds to my son on XXXX/XXXX/16. Why did she give it to him on XXXX and not me on XXXX? This was a joint account and the funds going into the account are all mine. My right were violated! Of course, he is stating I am incapacitated, but there is NO court order and as you can see, I am quite competent. There is no reason that those funds should not have been given to me on XXXX/XXXX/16. I believe XXXX XXXX must have been bribed because what she did was illegal!! 
My privacy was violated, my money was stolen with the help of XXXX, and I want my money back or I am filing a lawsuit.
Applied for Deed in Lieu of foreclosure with Wells Fargo.. Wellsfargo initially responded to claim : XXXX, stating in process of foreclosure.. The foreclosure process was subsequently stopped, and I have provided all documentation requested for the Deed in Lieu. However, I have not received any response from Wells Fargo or its agents ( title company ). The documentation was received and information used to update County files regarding property. Yet, I still have not received any further communication regarding property and deed in lieu acceptance.
Opened a home equity line of credit w US Bank, upon trying to pay off and close out the loan, sell current property and purchase another property, the title company requires a freeze/block on the line of credit. US Bank has made it XXXX XXXX impossible to block/freeze the line. I have been on the phone w customer service every day since XXXX it is now XXXX and each time the agents tell you that it will be another two days, the process is a nightmare, no one will tell you their name, you get another name and another transfer- or get hung up on- it stems from the process the agent customer service XXXX and the XXXX back office not doing what they said they are going to do. I have spent XXXX on overnight packages, spent at least 20 hours on hold or on the phone with this and now two properties will not close if this is not rectified TODAY. ( 2 families will be HOMELESS all because of US Bank 's inability/ unwillingness to do what they say they are going to do ). As I type this I have been on hold for over 30 minutes- and have made 3 phone calls back to the manager who promised she 'd call me today to confirm- only to get voice mail! DO NOT use US BANK! the consumer is powerless. I was told by a manager yesterday after another day of waiting on the US bank process that I  would have a fax evidence of the block and she would call me to confirm this morning. I 'm being held hostage by agents, managers, XXXX back office and their process! I am concerned now that I am speaking to yet ANOTHER agent at least 10 so far that they will hit another button to push back the process again.
My XXXX credit card bill is due on the XXXX every month. On XX/XX/2018 I made a payment of {$50.00} over the phone with a lady named XXXX. I confirmed with her that the amount I paid was correct. She said yes that is correct. The following month on XX/XX/2018I went to shop at XXXX XXXX, and I was told by a worker in XXXX name XXXX at the XXXX location in XXXX CA who told me that my bill was not paid. I told her that I did make the payment and he told me I would have to call customer service. So then I called the XXXX customer service over the phone and I explained the situation to them. I spoke to a gentleman named XXXX. I explained to him that my XXXX bill was not late because I had already made a payment of {$50.00} on XX/XX/2018. He said he would look into it, so he did some research and came to the conclusion that I was short an extra {$5.00} on the bill. He said he would wavie the late fee as well as other charges that I had on my account because it was not my fault that I was not told the entire amount for my biil that day on XX/XX/2018. He did that so that my account would be back current and I won't have a negative impact on my credit report. I have just received my credit report today and I have a 30 days late negative impact on my credit report that needs to be removed asap.
Us Bank wrongfully placed a garnishment on my bank accounts. They did not verify the ssn with the collection agency, then were not helpful, in fact were quite condescending and dishonest, when trying to resolve the situation.