WillisBack/dataset-financial-user-claim huggingface dataset:
My loan with ACS changed to Conduent Education. I was informed that I would not have to change any information, and that everything would stay the same. When I went to log in to make a payment, it told me that I did not have an account and that the action was not available.

I tried changing my password, and the system recognized that I did have an account, but then it told me that there was no loan associated with my Social Security number.

I tried calling the customer service number provided, and it asked for my social security number without giving me any other options. Again, I got a response that said there was no account associated with my social security number.
On XX/XX/18 at XXXX XXXX, I deposited {$180.00} cash into the ATM machine outside of Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, CA. My checking account is with Chase Bank as well. The machine verified the amount as {$180.00} then asked if I wanted to do more, I hit the Deposit More button because I still had more funds to deposit ... At that time, the ATM screen said " We're having some trouble, please check the receipt and call the phone number listed to be sure your deposit went through. '' The receipt, which I still have, printed, saying to Please call us at XXXX. The AID # was XXXX, Term ID XXXX, Sequence # XXXX. Immediately after this transaction I entered the branch of my bank, where my checking account is located- Chase. I was briskly told that there was nothing that they could do and I just needed to call the number. There was no further assistance offered even after I pushed for more help in getting my money back. So, I called the number listed on the receipt and was grudgingly given a credit of the missing {$180.00} TEMPORARILY credited to my account which can now be taken away at any time until XX/XX/XXXX, 45 days from now, when the " investigation '' deadline will be completed. I feel as though Chase bank reached into my purse and took {$180.00} away from me and is now asking me to prove it. This is unacceptable. I was told they can't send someone out " right away '' to check the ATM balance so I will possibly not know if I get my money will be randomly taken back from me until XX/XX/XXXX of next year. This means that now I don't know if my rent check will bounce or not. This is placing me into a position of extreme stress at the worst possible time. One other scenario that could occur, is the machine could have spit my money back out after I had already walked into the branch to ask for help, so I can not rest assured that the machine will show a count in money that is incorrect. I can not, as of now, not be sure that someone else did not receive my money. It is the job of Chase bank to be 100 % sure that the money that I deposit to them goes to MY ACCOUNT and is not either lost in the machine or spit back out for someone else to take. This is why I demand that the cameras be checked for the ATM that day. It is unacceptable that I could lose my {$180.00} because of machine error. It is unacceptable that Chase bank can not resolve this problem more quickly. It is unacceptable that there is even a chance that I may now lose my money because of a technological error that Chase bank does not care to fully investigate by looking at camera footage. It is unacceptable that my money was taken from me and now due to Chase ATM error this is a chance that I will not get to keep my money. This has been demoralizing and deeply stressful and hurtful to me. I have now lost trust in my banking institution completely. I was on the phone for hours with Chase today, including the Escalated Claims Executive Branch and the best they can tell me is they don't know if I can keep my money or not until XX/XX/XXXX, at the latest. Please help me take my hard earned money back. Thank you.
Chase inherited my bank account from Washington mutual in The 2008 financial crisis and begin charging servicing fees on what was a free student account at W AMU. Chase is refusing to refund the charges, which I have just noticed on my statements, and is being evasive and uncooperative. in the last two years they have charged XXXX {$25.00} servicing fees and are refusing to tell me how many fees they have charged since 2008. Also, they are only refunding XXXX of these fees and being uncooperative in both the branches as well as the customer service line. They have lied to me multiple times including telling me they would do a service review, when in fact upon follow-up, no review had ever been taken place or there was no resolution. I believe this is an attempt to placate the issue, extort fees from their customers without their customers consent or knowledge, and they should be investigated as well as published.
been battling XXXX  and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY
I have XXXX account that was under the Fair Credit Reporting Act and it was 7 years on XXXX delequiency in XX/XX/XXXX. I was also reported late in XXXX and XX/XX/XXXX. This should be deleted from my file. They are telling me XX/XX/XXXX it will be deleted. This is not accurate and they are extending the time. Both XXXX and XXXX deleted the XXXX. Please assist in removing these from my file
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # XXXX
I was contacted by Mortgage Capital Associates by telephone to refinance my mortgage. Because of the low rates, I agreed to explore the opportunity. Upon review of rates at XXXX, I found their rates were 0.25 % higher than some of their competitors. I brought this up to them and they agreed to match it. Now that its time to close the loan, they are telling me that they can not honor the original rate quoted and need to charge me the higher originally quoted. Their excuse is that they had to switch to XXXX XXXX from XXXX. At this point, I have already spent {$500.00} for an appraisal and they know that most customers will just eat the extra costs. This is basically a bait and switch and I believe they never intended to give me the lower rate. Instead, they told me what I wanted to hear to get the business.
I am paying on a mortgage for my personal residence located at XXXX XXXX XXXX, XXXX, CA XXXX. I purchased the home in XX/XX/XXXX and it was financed by XXXX XXXX XXXX. The initial loan was an interest only 5 % fixed 40 year loan. The loan was interest only for the first 10 years, after which it would convert to a 30 year fixed rate note at 5 % until paid off in XX/XX/XXXX. I have made all mortgage payments on time since I have owned the home. 
XXXX XXXX XXXX sold the mortgage in XX/XX/XXXX. Please refer to the attached Mortgage Servicing Timeline. The loan has been sold five times since XXXX XXXX XXXX originally owned it. 
Although I have made all of my payments on time to the servicer I believed to be the correct one, one payment has gone missing. I believe this occurred sometime between XX/XX/XXXX and XX/XX/XXXX. I am honestly not sure which of these companies has my money -- -I  want it back. The current servicer, Select Portfolio Servicing stated to me on the telephone that they would be  responsible for recovery of the missing funds and return them to me if I could help identify the culprit. I assumed at the time this would include seeing that corrections to credit bureau scores would be made. One of their representative s told me he believed the evidence indicated there was a missing payment, but he was unwilling to give a letter to that effect. 
So far none of these commitments have been kept by Select Portfolio Servicing. It appears they believe that I am one month behind in my mortgage and my credit score is a miserable XXXX. It should be somewhere close to XXXX. 
I can provide bank statements for my XXXX XXXX credit union account for relevant months if necessary. The CFPB has my permission to view any relevant documents necessary to get this corrected. The loan recently converted to a fully amortized 30 year fixed rate loan. As a result the payment has increased and I am now chipping away at the principal. 

Please help me get this corrected, I am not sleeping very well
Hello, I checked my personal credit report, and I noticed that I have been a victim of inquiry issue for TransUnion. 

TransUnion credit report shows that there has been a hard inquiry done on my credit report on XX/XX/2018 by XXXXXXXX XXXX, XXXX, DE XXXX. I do not recognize this. 

I contacted XXXX, and called TransUnion ( and submitted an online dispute at their website ) to remove this credit inquiry from my credit profile. Unfortunately, they were not cooperative at all. I tried convincing them but I got absolutely no help from XXXX. TransUnion was not of any help either as they simply referred me to XXXX and denied any other help. 

I request that you initiate an investigation into this inquiry on my credit report. I would like TransUnion to remove this inquiry from my credit report as I do not think it is correct. 

Thank you for your assistance in this matter.
Hello. 

Company involved here is my XXXX XXXX. 

I have been trying to refinance my current home but have not been able to due for the fact that I also have another home under my name whom is also financed through XXXX XXXX. ( Second home is being lived in and getting paid through a cousin of mine ). I have tried to refinance my current home with many banks, credit unions, brokers etc but have been informed that due to having two homes under my name that it would be impossible. 

XXXX of this year ( 2017 ) after giving hope decided to directly go with Ocwen for assistance. I was told that they would " definitely '' help me. After weeks and weeks of sending them all my personal information etc they told me to pay {$500.00} for an appraisal, I paid that. They were certainly aware of my other home as it 's also under them but then they told me after taking the {$500.00} which is Non-refundable that they were not able to assist after all because I have two homes in my name. 

I honestly feel that they ripped me off knowing well that they knew that if I have two homes were unable to refinance. They told me that I had to pay one of the homes off in order to be able to refinance.
My lender keeps calling for payments and late payments. I call them and they automated system asks for my full SSN, I put it in, then says please hold for the next available rep, then it hangs up on me. I have tried to login using my normal credentials and it says it no longer exists. I am getting unencrypted emails from a representative with the company and they refuse to communicate via email with me, yet will send me an email of who they are and that i need to call in. This is unbelievable. I can not make a payment no matter how hard I try and all the while I know I am being charged interest and fees!!!
On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, XXXX, Transunion, which were received on XX/XX/2018through certified mail. 
I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors. 
I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. 

I received letters onXX/XX/2018 from XXXX and Transunion. 
I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word. 
In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED. 
All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports. 
These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.
Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed two 1 credit inquiry that I find to be problematic The first inquiry in question was apparently made by on XX/XX/2017 and I have no recollection of doing any business with this Company ( XXXX  ) I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX XXXX XXXX
On XXXX XXXX, 2015 at about XXXX XXXX, I entered WELLS FARGO BANK to withdraw {$3000.00}. I provide both my license and bank debit card. I was asked not to swipe my card instead for me to file out a withdraw slip for the transaction. After doing so, the teller took all XXXX ID credential in a scrutinizing manner for verification with my withdrawal. The teller took an unusual 30 minutes before responding to me that my signature does not match. I then exited the window to seek assistance from the Manager. at the presence of the manager, I filled out another withdrawal form. The manager went to the window computer and spent an additional 30 minutes scrutinizing my account. When I asked her what is going on, The manager came to the window and replied, " Your signature is not matching, and that it is unusual for a XXXX person to come into this branch to withdraw a large amount of money ''. 
Seeing that I was being discriminated against, I called the local police department for assistance. During my hour wait for the police, I was excluded from doing any transaction. When the officers arrived, I was lock inside the bank and waiting. XXXX officers investigated the matter by reviewing my ID, bank card, other identifications I gave to the bank, including my withdraw slip. They spoke to the Teller and Manager and notice their discrimative behavior, and ordered them to re open the bank computers and give me my requested money. 
The purpose of that withdrawal was to secure a plane flight back to XXXX Ma to attend a family member funeral, and to conduct XXXX on my XXXX. I miss my flight and resort to driving XXXX miles back to Massachusetts. I miss the funeral, and my doctor could not preform XXXX because I 'd placed to much stress on XXXX from driving.
I have reached out to the XXXX, Equifax, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
We have received a lot of calls from a company called XXXX XXXX. They are claiming we owe them around {$80.00}. We have told them that if we owe you them please send us the information to back it up ( signed contract asking for a loan, credit card, or services ). This has been over the last 6-8 months. We still have not received any written communication. 
This morning I received an alert from my credit monitoring that XXXX XXXX shows we opened an account XXXX XXXX, and XXXX shows we have a collection account with XXXX XXXX as well. 
Any help is appreciated!
Nationstar sent regular monthly letter regarding our monthly interest rate, payment, etc. According to the letter, our interest rate for the following month is staying the same ( XXXX ) however they still raised our principal payment by {$160.00}. How can this be.? The interest rate is the same, our principal balance is being reduced by {$3800.00}, yet they are increasing our payment????? The payment should go down as the principal has gone down. When I called Nationstar to explain the incorrect math, I was told it was based on a calculation that Nationstar made up. It looks like a huge SCAM to me. Mathematically, it is not correct that our principal payment portion would go up {$160.00} when the interest rate has not changed and the principal balance has decreased. I believe Nationstar is scamming me and I would like it investigated. Nationstar can not provide a logical answer. They said they would send my question to their research department, which means, as always, that my question will go into the XXXX Nationstar hole and get buried. In the meantime, they will continue to scam me and all of their mortgage holders. I would like a reasonable answer to this increase. I doubt Nationstar can perovide one because they are scamming me.
On or about XXXX XXXX, I discovered that my bank, Navy Federal Credit Union, had authorized a fraudulent XXXX XXXX transfer. I reported it as soon as I discovered it, approximately one day after it actually happened. I was notified on XXXX XXXX that they believe it was not fraudulent, and that I authorized the transaction. The only evidence the " investigator '' reviewed was the phone call ( comparing our voices ) and the name of the recipient of the transfer ( apparently myself ). He failed to ask me anything relevant to the transaction ( he only asked me about my military rank because he believed it to be an error in the system ). If he had, he would have determined that I was not in the apparent location of the received funds, in FL, but rather in NC. It 's beyond belief that he 's relying on the fact that the funds were received in my name -- my identity was stolen, of course the criminal could make a fake ID with my info.
Home Depot credit card, the problem I have is, that they have not send me any statements. I offered them to pay everything of except the interest, but it seems that are really interested in collecting some interest also. I always made my payments on time, until they load up my account with a bunch of interest, I talked to them trying to pay everything off except interest and its a No.
I contacted Experian over the telephone to discuss an item which was on my credit report.The item in question is State of Michigan Office Child Support, I originally talked to one of their customer service reps about this item and they had stated that this item was placed on my credit report due to lack of payment which I am not disputing I was sick I had XXXX and I did not pay for two to three months this was XX/XX/XXXX.How could this still be on my credit report. When I viewed my credit report it states that the payments begin becoming late XX/XX/XXXX and XX/XX/XXXX that is incorrect I have paycheck stubs to prove that during this time they garnished my wages for the amount due for the weekly child support.So in fact if it is XX/XX/XXXX it has been on my credit report for over 12 years which I can prove and it should be deleted immediately.
I have a delinquent account to XXXX/Suntrust bank. It says ( delinquent 90 ) but it also says Account closed due to transfer Opened activity : XXXX Balance : XXXX Past due : XXXX There is also that same account in my closed accounts section from SunTrust bank that says on the account I opened with them on XXXX was settled and that the account paid in full for less than the full balance. 

That SunTrust delinquent account has been closed and dealt with so I don't understand why its still killing my credit by being in the wrong section
XXXX report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.
I Sent Equifax multiple disputes ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) asking to properly verify, validate and correct errors on my credit reports. They did not do a proper investigation. They simply sent me a response stating the items were accurate and/ or verified.

XXXX XXXX XXXX- I request proper validation ( and the collection company only sent me a copy of a bill and a lease agreement. This is not proper validation of debt or proof of ownership. I sent a copy the documents to Equifax along with a proof of the inaccuracies on my credit report ; yet Equifax still do not remove the account as i requested.

Unverified Account Type ( Other ) / Unverified Balance ( {$3500.00} ) / Unverified High Balance ( {$0.00} ), Past Due Balance ( {$0.00} ) and the account Shows " Joint Account '' but only one name on the collection letter
I sent a certified letter dated XX/XX/XXXX, requesting verification of debt, for my XXXX son, per the Fair Debt Collection Practices Act. A copy of my Power-of-Attorney was enclosed. They received the certified letter on XX/XX/XXXX. They have not responded to the request. I do not believe this debt to be legitimate. I have also sent a dispute to the XXXX major credit reporting bureaus. They have stated that they believe the debt to be his and have not removed the debt from his credit report. I have since talked with XXXX further, in regards to this debt, he stated that he did receive a call from them one day stating that he had to be on the debt. Due to his XXXX, he felt pressured and unsure of how to handle the call. This call was made XX/XX/XXXX, after they received the request for verification of debt, a copy of my Power-of-Attorney, and my contact information. They have never sent him anything to sign or any disclosures in regards to the debt. The debt had already been incurred at the time in which they had contacted him, as it originated XX/XX/XXXX.
Was not informed of debt until after being placed in the credit bureau asked for verification notice and found inaccuracies. Please provide a copy of payment history and the amount stating I owe along with signature of an agreement. Along with proof of trying to get in touch with me about the debt.Payment history first and last payment received.