WillisBack/dataset-financial-user-claim huggingface dataset:
I sent in a previous complaint and you responded to me that Chase was still working on it. I have included a copy of my last statement showing the funds were available. 
Another document I'm sending in shows and proves I paid a late charge on my rent and got an eviction notice because they said I presented a fraudulent check. 

How can it be a fraud check when the funds show its in my account? At least that is what a XXXX in the Executive office said yet the bank wont release the funds after telling me the funds would be available on XX/XX/2018. Today is XX/XX/2018 which has given them 25 days to work on it. They told me they can only be placed on hold to whomever they were calling yet they expect their customers to be on hold for 45-60 consecutive minutes. 

They have caused me all kinds of undue stress. My XXXX money came in On XX/XX/2018 like it was supposed to be but they didnt release it to me until two business days later making my rent late. I have included the proof on that. I didnt however get the letter regarding a dishonored check when they claim the account was restacked not close but look at the attached letter stating dont use checks, cancel all direct deposits and online bill pay. Does that sound like a restricted account? A XXXX at the Branch on XXXX says that its pending closing because of that check. They didnt even give it adequate time to take its course. 

Now I would like to know who within Chase and what address can he or she be served at so that I can sue them in small claims court? Last I heard I can sue for up to {$10000.00} and I am going for the full amount for all the undue stress and not having reasonable expectations as to when everything will be taken care of. So tell me how much more time do I have to wait, its already been 25 days. After all they told me from the beginning its going to be two business days and not weeks. 

They, being chase, told that to XXXX XXXX where my high interest money market account was that I presented Chase with a fraudulent check. 
Next thing I know is that XXXX XXXX called me to tell me they were closing my account because of fraud. They have no proof of fraud on my part. Infact, they still have some of my money, it isnt much but they wont return it.
On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX  account XXXX. The following unauthorized inquries should be removed as well XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
I disputed XXXX filings on my credit report ; 1 ) XXXX for fraud due to wrong account number reported on report ; and 2 ) a claim that if false and paid in full. TransUnion and XXXX refused to remove the information after I provided proof that I did not have that account with the bank and the other claim I provided a negotiable instrument with contract on it stating that the claim was paid in full.
Equifax, XXXX, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
On XX/XX/XXXX, I contacted NCB Management Service to get my account number. I wanted to send them a letter of validation. I noticed on my XXXX credit report that a had a negative entry from NCB Management Service dated on XX/XX/XXXX. I never had an account with NCB. The customer rep stated on the phone that they no longer have my account and it has been sold to XXXX XXXX. I asked them to please remove the unauthorize entry. The rep stated that nobody there had the power to remove it out and rudely hung up the phone. I would like to ask NCB to validate this account or delete it immediately. Please have NCB to provide : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.
BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT XXXX XXXX XXXX CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.
I was involved in the Equifax hack. I do n't yet know how it will involve me. I 'm super stressed about this.
These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. XXXX XXXX Experian XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I have contacted this company and told them that this debt has nothing to do with me and they still have not removed off of credit.
XXXX have my ssn wrong, when I had an original complaint they were unable to located my information due to the fact that they had my information wrong in the system.
After the Equifax breach I tried to freeze my report. Equifax ' systems kept throwing errors when I tried to freeze my report. When I went in today to try and freeze my report it is now telling me my report is already frozen but I never received my PIN so now I can not unfreeze it without having to go through a whole process because of Equifax 's issue.
Reoccurring problem from a prior complaint on XX/XX/XXXX that i filed against US Bank where the services that i have signed up for like text and email alerts on my account balance for when it drops below a certain dollar amount do n't ever work until my account is in the negative for hundreds of dollars.
information on criminal background check does not belong to me and is reported through First Advantage this is holding about a career opportunity and needs to be cleared up immediately
Have been trying to get a short sale done since XX/XX/2018. Ive gotten three contracts/offers on the property, and the mortgage company has been negligent in processing the sale each time. They continue to ignore me and my realtor, and have passed us around to more than a dozen different people, making it impossible to complete the transactions. Ive lost two potential buyers due to their incompetence. And each offer has gotten lower and lower. I was laid off from my job on XX/XX/18, and really would like to get the short sale done. CIT bank is the worst!
Per request of XXXX XXXX ext XXXX, we have faxed proof that this payment was paid multiple times. XXXX a manager at Central Credit Services is saying that they ca n't find proof in their financial records that they received this payment contrary to our bank records showing proof of payment to " CENTRAL CREDIT SERVICES. '' Central Credit Services responded to my complaint saying we must call XXXX directly with a banker on the line to verify with an authorization code. We 've attempted to call on 5 various occasions and left multiple messages. We have documentation of phone calls as well as first party witness verification that messages were left. XXXX has failed to return any of the calls.
After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. OnXX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>
I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.
I filed bankruptcy in XX/XX/XXXX. At the time I included a debt from XXXX XXXX XXXX and notice was served to the collection agency handling it which is XXXX and XXXX. In XX/XX/XXXX I returned to XXXX to have a XXXX and was told because of the balance that I reported in XX/XX/XXXX on my bankruptcy I had to sign a promise to pay or they would not see me. So, I signed the promise to pay. Which at that time I paid {$150.00} which was my insurance deductible for the XX/XX/XXXX visit. I later returned back in XX/XX/XXXX for another visit which I again made a payment of {$150.00}. Which was all I owed. XXXX along with XXXX and XXXX are now refusing to remove the negative information off my credit report and are still trying to collect the amount that was included in the bankruptcy along with the XX/XX/XXXX debit and balance billing me for the amount not paid by the insurance company.
per Equifax I have spoke with a agent snow and a supervisor by the name XXXX on XXXX/XXXX/XXXX around XXXX we spoke clearly of a account XXXX which is labeled to be XXXX this XXXX has appeared on my credit years back maybe XXXX perhaps in which i called them directly and they removed it off and Equifax also sent me a letter in the mail that I no longer have stating that this item has been removed. XXXX stated that she was going to put me in a system to block that information due to the information that I had provided to her with my story of what happened. I called yesterday XXXX/XXXX/XXXX and I was told by an agent that she received my police report I have filed through the XXXX department and I asked about the XXXX item and she stated it is in dispute not removed. XXXX stated it would be moved in XXXX72 hours why was n't it removed. if she would have said it would be a dispute than I know it could take up to 30 days but she clearly stated it should n't be there and she will get it removed. all the agents said they cant do anything cant even find XXXX. Equifax is getting my information or if they are a fraud company who works for the creditors I sent in mail letters, identification etc they have n't received that information this was last month on XXXX/XXXX/XXXX and up till this day of XXXX/XXXX/XXXX they still do n't have it what is really going on. per section XXXX in the Fair Credit Reporting Act if a person is a victim of identity theft with proven documents the bureau has four days to investigate to remove or block fraudulent or negative information. I have waited past 30 days prior to the police report filing I called multiple times asking for help and answers im always getting miss information and the run around. I 've been working with the sheriff department to dispute and get help during this hard time but Equifax does not care that I 've been a victim nor do they care of me providing the correct documentation their job is to blame someone it seems. I 've waited long enough and I want results there should n't be an excuse for this this is a major bureau company and its unacceptable. they provided me with multiple case numbers some for my name in which I never called in about I sent my id etc.. at this point this company is all lies and does n't do what needs to be done to help a victim of identity theft. In a bad time like this they try to sell me products instead of holding back knowing im a victim of identity theft its all about the money I feel that is very rude and not professional. Agents all the way to the management are just selling products vs helping you with what is truly going on.
I paid a payment using a check to the bank that services the credit card account that I have. The amount processed, XXXX to the credit card account and to my checking account was the same amount, but was different than what I thought I had written on the check. Despite letters by postal mail and numerous phone calls with the credit card servicing bank, I was not able to get copy of the check. My own bank, from which the check was cashed, does not have the copy, as it was processed as electronic debit. I would like to see a copy of the check, but credit card servicing bank absolutely will not provide that. I paid interest charge due to different in amount that was paid. Thank you. Credit card servicing bank was PNC Bank. The last phone call to customer service had rep state that PNC could not provide check image, even though previous customer service rep stated that they could and it would be mailed within XXXX month of my call.
My community there were XXXX, XXXX,XXXX these accounts were disputed because of them not being paid but they were paid in full. They kept getting negative marks and they were never late or suppose to be on my report at all. They never change it after it has been disputed. They with XXXX they wont even investigate them. 

XXXX would say that the account was corrected and verified as mine, I have never disputed that it was not mine. I always ask for them to correct the account in full. When i check the dispute notes and dates the dates are old dates as if they never looked at my accounts to even correct them. 

Transunion and XXXX never disputes in a timely manner they will respond with 2 or 3 new credit report without the dispute results stating my claim.
This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.
We have not received a statement from Citi Mortgage who is our lender, since XXXX 2016. In XXXX we had to pay {$26000.00} to Citi Mortgage in reference to a repayment plan due to being denied for a modification. We have no idea what our new balance is. If we have even received credit for that payment. We have also made payments in XXXX and XXXX that we have no record of proof it has been applied to our loan. On XXXX XXXX 2016 we received an email regarding a returned billing statement. The email states that the correspondence recently mailed was returned. I called the number on the email, spoke to XXXX XXXX. He verified the address he has and it is the correct address. 
We have received other correspondence in the last couple months from Citi Mortgage so why would we not receive our statements. Our address has been the same for the last 30 years. 
Citi Mortgage has violated the periodic statement rule. They have violated our right to ensure that we receive prompt, regular, and accurate information about our mortgage loan. 
This error made by Citi Mortgage puts us at risk since we are in a foreclosure status until our repayment plan is complete. In the past we have dealt with an enormous amount of errors made by Citi Mortgage with the modification process and this is another one to add to the list. 
Why an email now and not 4 months back since XXXX is the last time we have received a statement?
I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!!
I have called on muliple occasions and talked with upper managment about the issue and just have been givin the run around. I have been told that there are waiting on the company who provided the info and will be resolved within 30days everytime i have called. It has been over 16 months and still no resolution. This has caused me muliple deniles of credit wich has greatly hindered my life. As of today XX/XX/XXXX still nothing when dispute was initiated on XX/XX/XXXX.
There are excessive inquiries by the banks for an unknown reason. 


1. XXXX- There has been an inquiry every month since XXXX, 2015. 
2. XXXX XXXX XXXX inquiries to date These should be removed. I have XXXX XXXX XXXX credit cards and only should have XXXX inquiries. 

Can you please remove the excessive inquiries as no permission was obtained? 

thank you,
I purchased a vehicle and got financed with XXXX XXXX  XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.
SLS ( Specialized Loan Servicing , LLC ) will not send monthly statements, their web site is always down and the folks there are very rude, I believe I 'm being charged too much on my mortgage interest. They pay our state property tax late even though I send it early costing me more, we get no monthly payment, or payment booklet statements what so ever on any thing except at the end of the year for Federal tax purpose, there is a web site with XXXX of complaints on this company, someone needs to look into their in my opinion illegal practices..