WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is for Chase Bank with business address at XXXX, Texas XXXX USAI needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open XXXX because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him the details of his friend in XXXX, Texas who will receive the wire transfer money from me. Once the beneficiary receives the money from me, he will call my boyfriend 's friend to confirm that he received the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. 

So on XXXX XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his Chase Bank account in XXXX. But after an hour or XXXX, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said the wire transfer was already debited from my account and was already sent to Chase Bank. So my bank called Chase Bank and requested a call back funds. 

Chase Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX Chase Bank account. But because Chase Bank can not get hold of XXXX XXXX, Chase Bank closed his account so that he could not withdraw the money. XXXX Chase Bank employees called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 

Since then, I made follow-ups for my call back funds but my bank said they have not received a response from Chase Bank. I was too worried because my boyfriend needed the money. 

On XX/XX/XXXX, I sent a letter to Chase Bank to send me back my {$12000.00}. But Chase did not reply. And again on XXXX XXXX, I sent a follow-up letter to request the return of my money, but still no reply. 

Chase Bank-XXXX has no right to withhold my {$12000.00} for the reason that they were still investigating since XX/XX/XXXX, if the money is allegedly for funding terrorist activities. They should have finished the investigation after XXXX months. Chase Bank should return my money by sending me a check in the amount of {$12000.00} and send it to my mailing address not through a wire transfer because my bank has closed my account. 

It 's my money. Chase Bank has no right to withhold it for a long time. 

XXXX XXXXComplainant
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This company purchased an overdue account, credit card, and changed the date of opening to the date they purchased it, Opened XX/XX/XXXX ( 3 yrs, 2 mos ). XXXX account went delinquent several years earlier ,XX/XX/XXXX, and would have been off my record in XX/XX/XXXX like other circumstances. This show up on XXXX XXXX as, You've paid off 0 % of your collection amount. 
Balance {$8400.00}
For the past ten years, I've made the biggest mistake of ever attending XXXX   due to a suggestion of going there to finish my XXXX  and get an XXXX XXXX degree. I attended one semester, and realized that the school wasn't true to it's mission when I was forced to take out student loan after student loan, while taking classes that had nothing to do with what I wanted to major.

I left XXXX  one semester after, and transferred to a XXXX  college. XXXX had other plans to damage me unfortunately. I couldn't get any credits transferred to a XXXX XXXX college I went to, so I started from the beginning. No sweat, only one semester of work but still was some good core classes. The loan providers of XXXX wanted to start taking money out of me, threatening me with all sorts of actions. This forced me to take a break from school to work and make some money to repay that.

The final coffin was transferring to a four year, because after I submit my application, I was left in limbo with no words or anything. Was told to re-apply a year later, a ton of fake excuses, and all this while still XXXX 's many loans wanted to linger and damage me even more.

HESC ( where my loan currently is ) has tried plenty of times to garnish my wages, to have me pay MUCH more than what I can even currently budget for. Refuses to ever work with me, and pretty much has destroyed every aspect of my life credit/money wise.

All this while I just heard that XXXX closed it's doors, yet I'm stuck paying so much money cause the school claims I was there for a full year which is a huge lie.

I really don't know what to expect from this, I've pretty much given up. But it still leaves a huge bad taste in my mouth knowing I never had a traditionally college experience due to my mis-education while trying to receive an education.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
in XX/XX/2018 I disputed an inaccurate account with Transunion LLC Credit reporting company. In XX/XX/2018 Transunion reported that the account was verified and accurate. ok well in XX/XX/2018 I sent a certified letter to Transunion to be exact the letter was dated XX/XX/2018 I sent the letter to Transunion on XX/XX/2018 I have copies of the certified mail receipt that the letter was sent to them.. The letter was the METHOD OF VERIFICATION OF THE PREVIOUS DISPUTED ACCOUNT ON MY CREDIT REPORT, ,THE ACCOUNT LISTING IS XXXX XXXX XXXX # XXXX,, TRANSUNION RECEVED THE LETTER ON XX/XX/2018 I HAVE A COPY OF THE DELIVERY NOTIFICATION THAT WAS GIVEN BY THE USPS ... SO TRANSUNION RECEIVED THE LETTER ON THE XX/XX/XXXX, AGAIN THE LETTER WAS THE METHOD OF VERIFICATION.. AS A CONSUMER I AM EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) WHICH I WAS REQUESTING A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY AFOREMENTIONED DISPUTE. I REQUESTED ITEMS THAT WOULD FALL IN THE LINE OF THE FCRA 611 ( A ) ( 7 ) AND TRANSUNION FAILED TO SEND THAT INFORMATION TO ME. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND IT AGAINST THE LAW AND TRANSUNION IS NOT FOLLOWING THE RULES OF THE FCRA ... .THEY NEED TO REMOVE THIS ACCOUNT ASAP FOR I AM ABOUT TO GO DOWNTOWN AND FILE A SMALL CLAIMS SUIT AND HAVE ALL THE PAPER WORK SHOWING DID EVERTHING RIGHT AND TRANSUNION REFUSED TO SEND ME WHAT I REQUESTED AND WHAT I AM ENTITLED TO ... WELL ON XX/XX/2018 I CALLED TRANSUNION AT XXXX AND SPOKE WITH A TRANSUNION REPRESENTATIVE FROM THE UNITED STATES I ASKED THE REPRESENTATIVE ABOUT A THE DISPUTE WITH THE XXXX XXXX XXXX ACCOUNT ENDING IN XXXX AND THE REPRESENTATIVE STATED THAT THE XXXX XXXXXXXX XXXX ENDING IN XXXX HAS NEVER BEEN IN DISPUTE,,, I STATED YES IS HAS. I GAVE THE AGENT ON THE PHONE THE FILE NUMBER THAT WAS SENT TO ME BY MAIL..THE AGENT STATED THE FILE NUMBER WAS DEAD AND HE WASN'T ABLE TO PULL UP THE PREVIOUS DISPUTE AND THAT HE DIDNT KNOW WHY HE WASNT ABLE TO SEE IT, ,THE AGENT STATED THAT THE ACCOUNT WAS NEVER DISPUTED AND I ADVISED HIM THAT I HAD PROOF THAT THE ACCOUNT WAS DISPUTED IN THE PAST AND I RECEIVED THE LETTER FROM TRANSUNION, TRANSUNION IS NOT REPORTING 100 % INFORMATION THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT..I HAVE COPIES OF THE RECENT RESULTS FROM TRANSUNION PERTANING TO THAT XXXX XXXX XXXX ACCOUNT ENDNG IN XXXX.. THE FILE NUMBER IS HIGHIGHTED AND I KNOW THIS ACCOUNT WAS DISPUTED BEFORE, TRANSUNION AGENT STATING IT WAS NEVER DISPUTED,,, THEY HAVE VIOLATED THE LAW AND REPORTING INACCURATE INFOMRATION ON MY REPORT AND MY NEXT STEP IS FILING A SUIT ... TRANSUNION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE..
I applied for a VA loan through USAA, on XX/XX/2018for a home that was {$130000.00}. As I was working the process of the loan the home, I changed to a different house that cost {$130000.00} on XX/XX/2018. On XX/XX/2018 the VA sent USAA a copy of the certificate of eligibility stating that the total cost of the house has to be above {$140000.00}. After I paid to USAA {$440.00} for an appraisal, and the housing inspector {$280.00} on the XX/XX/XXXX. On XX/XX/XXXX, USAA mortgage processor contacted me and said they couldnt go ahead with the loan. Stating that the loan needed to be above {$140000.00}, so she raised the price of the house to {$140000.00} and sent me that part of the contract to sign. I questioned her actions and called the VA. The VA said that yes it has to be over {$140000.00} for the total loan not just house. Stating that the VA funding fee and any other expenses could be included. I asked about the energy efficiency upgrades, she stated as long as the total loan is above {$140000.00} than Id be fine. When I contacted the processor and let her know that those can be added to the total cost and that will get it above the {$140000.00}. She said shed work it and she sent another contract with the total cost at {$130000.00}. The USAA processor called me on XX/XX/XXXX, and said that the loan was denied and I needed more documentation to support documentation that was sent. When I asked her about getting the appraisal and inspection fees returned she said no because those are non refundable because the work was done. I questioned why wasnt I notified that it had to be above {$140000.00} prior to paying those fees she didnt provide answer. When I asked why not just add the energy efficiency upgrades to the loan, she said it was a new house, and that it doesnt need energy efficiency upgrades. The house comes with non energy efficiency appliances and still need a refrigerator. Later that day gave her additional supporting documents. She responded with and email stating that the difference in the {$130000.00} and {$140000.00} is only {$50.00} a month. To me it seems that it taking an additional {$9000.00} from the VA and paying it to USAA.
Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. 

XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. 

BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. 
We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP.
RE : XXXX XXXX XXXX -- -VIN : XXXX -- -Account : XXXX File # XXXX ALLY is willfully committing consumer fraud as the lessee exercised its right for early termination under Section 29 on XX/XX/XXXX ALLY Financials lease agreement specifically states that under Section 8 by Excessive Wear and Use. The lessee may be charged for excessive wear based on Ally Financial standards for normal use and for mileage in excess of 12000 miles per year, at the rate of {$.00} per mile. <P/>The penalty for excess mileage is only implemented for each year and where the lessee is penalized on a annual basis, when the vehicle exceeds 12,000 per year. The Annual penalty is charged at {$.00} for every mile driven of 12,000 each year. <P/>Example If the lessee during the annual period from XX/XX/XXXX to XX/XX/XXXX, drives 15,000 miles, is charged {$.00} for excessive of 3000 miles and penalized {$750.00}. The same applies for the following annual terms for annual period XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX to XX/XX/XXXX which is lease termination. <P/>Inasmuch the term of the lease is for 36 months and the maximum allowable miles is 36,000 miles. <P/>However, the lessee has the option for Early End in Section 29 of the lease agreement. Where in Paragraph C states definition of Early Excess Mileage and Wear Charge excessive milage charge is applicable to Section 8. This lease was terminated early has the vehicle was turned in to the dealership One month before the term of the agreement on XX/XX/XXXX. <P/>Lease term from XX/XX/XXXX and ending XX/XX/XXXX. <P/>ALLY Financial committed consumer fraud as they did not comply with Section 8 and Section 29 of the terms of the lease, they must comply with the lease agreement under early termination and bill me under Section 8 as the lease did not come under full term.
I had been wrongfully billed from a hospital because of failur of service at an emergency room. We had to go back to the emergency room for the same service the following day and disputed the bill with the hospital. The hospital then gave the outstanding bill to a collection agency. The hospital closed the account and the collection agency was informed but proceeded to to report it on my credit report instead of closing it on their end. Accoriding to Experian the account was closed from the collections agency but my credit has not gone up since the results.
My primary residence ( XXXX XXXX XXXX XXXX, GA ) flooded with Hurricane Irma on  XX/XX/XXXX. I have a mortgage on this property with MB FInancial Bank ( loan XXXX ). Until this time, i have never missed any payments and have stellar credit. 

After the flood, I contacted my bank to let them know of the damage and was told that per FEMA ( or FHA rules? ) I was entitled to an automatic forbearance period of 3 months. I was told to not  make a payment and that I would receive additional paperwork on next steps. I made my XX/XX/XXXX Payment, but did not make a payment in XX/XX/XXXX or XX/XX/XXXX. I Then made my XX/XX/XXXX payment - and all payments since. 

Since this time I have had NUMEROUS conversations with the bank about the process of the forbearance and what becomes of my loan going forward. In XX/XX/XXXX, I was given various options for making payment and OPTED for the option of extending my loan by 2 payments at the end of the loan period. Since then NOTHING has happened and I have never gotten any confirmation of the loan modification. I have called and called the bank, but have always been told that it was " in the works ''. 

Today ( XX/XX/XXXX ), I received paperwork from the bank and the option described above was NOT given to me. The bank basically just needs me to catch up on my payments by XX/XX/XXXX else they will proceed with foreclosure. 

I need help with dealing with this issue and getting the forbearance treatment that I was promised - and is mandated thru FEMA / FHA.
XXXX and XXXX put false information on my credit report. I was XXXX when someone took a credit card out in my name. I never permitted. I told XXXX and they still made me pay it. They said they will make my credit better if I pay it and they never did
I was not aware of this student loan company I only had loans with the XXXX XXXX XXXX   and XXXX and Chase and have never heard from this company in XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX company that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX XXXX  XXXX. They garnished my wages in XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XX/XX/XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.
I made a payoff on my account as I sold the house that I was living. I closed on XX/XX/2015, and funds to pay off the balance was received by Wellsfargo on XXXX XXXX, 2015. By law they say that they need to hold onto the escrow funds for an additional XXXX days ( all this time they hold the money and I earn no interest ). Today is XX/XX/2015 and I have not yet received the escrow balance in a check that they supposedly cut on XXXX XXXX, 2015. I have contacted them three times asking where is the check with the balance -- Wellsfargo only says that they have cut it on XXXX XXXX and it should have been mailed ( they have the right address ), but no funds yet. I believe that this is how they make money ; they keep people 's money for longer periods, as long as they can hold onto as it is " free of charge money '' and in the meantime if we are late on payments they charge us fees plus daily interests.
I HAVE BEEN FIGHTING TO SAVE MY HOME FROM XXXX XXXX XXXX NOW THEY HAVE TRANSFERED IT TO BAYVIEW LOAN SERVICING XXXX .I HAVE SENT ALL INFORMATION AS REQUESTED THROUGH MY ATTORNEY HAVE VERIFICATION FROM BAYVIEW BUT ON BAYVIEW WEB SITE I NOT EVEN IN THE SYSTEM WITH THEM.I HAVE THE UNDERSTANDING THAT WHILE A MOD IS BEING DONE FORCLOSURE SALE CAN NOT TAKE PLACE UNDER DOD FRANK.MY HOME IS SET TO BE SOLD XXXX/XXXX/2015.
In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be  treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings.
AMX informed me that the Social Security Administration has declared me dead as of XX/XX/XXXX. I talked to AMX and they said they need a letter from SSA. Called SSA and qfter 1.5 hr wait time, they said maybe they can get me a letter in the next few weeks saying my death is an error. In the meantime, my fear is that all my credit cards will be shut down, my bank accounts, my mortgage company, and my insurance companies may try to pay out to my beneficiaries. Plus all the bills that I pay through my bank ... will the creditors get those pmts? Will my credit report be affected? I have an almost perfect score! Mostly I want the Social Security Admin to take quick action. I plan to go to their office in the morning, but I don't expect I will be successful in getting them to move quickly. Please help! This all happened today, XX/XX/XXXX. 
Thank you in advance for any help you can give me! 

XXXX XXXX
On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.
In XX/XX/XXXX I was In the process of getting a pre-approval for a home loan when the mortgage company informed me that there were several items on my credit report that were large dept amounts owed. I then told the loan officer to go over information with me so I may contact the creditors. To my surprise these were 4 apartments that were delinquent in the state of Ga. XX/XX/XXXX-XX/XX/XXXX and I lived in Fl. I immediately filed a police report and was advised to put a credit freeze through all the major credit bureaus. I followed up by sending proof of identity to the creditors and the credit bureaus to try and get this resolved quickly. I was able to get all of the apartments removed. However, I was contact recently by an attorney office ( Brett Boarland ) that represents The XXXX at XXXX XXXX in XXXX Ga. I contacted both immediately to get to the bottom of it. The law office told me that they were advised by their client to collect dept of almost {$5000.00} because they have my proof of employment listed as working at the XXXX XXXX in Ga. I have never worked there! 
I have already included in my letter of notice to furnisher proof of identity, proof of address, proof of employment for the past 2 years and I am still being harassed.