WillisBack/dataset-financial-user-claim huggingface dataset:
I hired XXXX XXXX XXXX to contact JPMorganChase on my behalf to do a short sale on my home. On XXXX XXXX, my attorney notified me that Chase wanted another appraisal due to the last XXXX being canceled. I thought that was strange because XXXX people came out to appraise my home. I contacted the last appraiser and she assured me that she submitted all of her documents. I reached out to the customer service rep handling my case with Chase on the same day and she told me she did n't receive the appraiser 's documents. She claimed to have checked again while on the phone with me and insisted that there was no appraisal. On XXXX XXXX, my attorney received a call indicated that Chase wanted about $ XXXX on the purchase price and that the rep said the documents were no uploaded to her. My attorney said they would counteroffer because my buyer offered $ XXXX. I thought everything was going okay. The next thing I knew a letter from Chase arrived on XXXX XXXX, saying the short sale was denied. My attorney called back to Chase and the rep said that the rep said the short sale was declined due to the arrearage of the home. I am totally shocked by this since Chase knew of the arrearage and should have said something months ago. Anyway, on XXXX XXXX, I got a XXXX check from chase with a letter saying that the check is to compensate me for finding an error that could have extending the document collection period during my application for mortgage assistance. I am totally confused. I notified my attorney about the letter but obviously, she did n't get an answer about the letter otherwise she would have told me. I want to know what happened. I have a feeling that this situation explains the denial of the short sale. As of XXXX XXXX, I got a letter from Chase notifying me of my foreclosure on the XXXX. I want to reapply for the short sale and I will be sending in my documents again because I do want to leave the property. But I need answers and I need my foreclosure stopped. In addition, I have another question about the notice sent by the foreclosing attorney. The first line of the letter from them says that the initial communication letter was XXXX XXXX, XXXX. Can they continue to use that date? Because during that time I had this modification going on. Should n't they start over and renotify me?
I have tried to dispute an item with Equifax and could not ever reach anyone.. My report with Equifax was fine originally, but for whatever reason Equifax decided on their own merits to show it now late. XXXX   has updated their records regarding the student loan account.. If Equifax doesnt comply and soon, then I feel the only option left for me is to pursue a remedy in either small claims court or through the federal court system. The item in dispute is an account from from XXXX ( a private student loan service company ). 

The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were. I have proof from them that now that erroneous information has been corrected. That the credit bureaus are lacking in correcting my data in a reckless and dangerous not to mention callous manner.
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
I applied for a chase marriott rewards card the was supposed to come with a XXXX bonus points after spending {$3000.00} in 3 months. Chase sent the card to me and let me spend {$3200.00} dollars then 6-8 weeks after sending me the card I was told I did not qualify for the bonus. I should have been told when I got the card that I would not be getting the bonus or denied the card in the first place. I was mislead and this needs to stop.
Once again, Paypal is neither respecting their word nor fullfilling their promises. After my 2 previous complaints against Paypal,   XXXX   XXXX  , Operations Counsel of Paypal, agreed in reactivating my account based on the email  XXXX . However, I still receive contradictory and misleading email messages by the   XXXX    branch of Paypal as well as from   XXXX   XXXX  , both openly contradicting the promise of   XXXX   XXXX  .
As a response to my complaint   XXXX  , Paypal advised me to contact   XXXX   XXXX  , head of their Executive Escalations office.   XXXX   XXXX   sent me a message on   XXXX   XXXX   2017 via the Paypal messenger showing alarming contradictions and lack of knowledge of Paypal rules. As a reply, I explicitely showed   XXXX   XXXX   that what Paypal is still restricting me ( and using as basis for blocking my accounts ) is something Paypal is endorsing and supporting in their websites : the possibility of transfering funds among the accounts located in different countries by the same accountholder.
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In the original link provided :   XXXX   XXXX   XXXX   XXXX    officially endorses  XXXX , an international partnership allowing  XXXX  accountholders to transfer funds between their accounts. Moreover, Paypal provides a specific email address for usage in transferring money fron one country to another :  XXXX  Please READ this link where the PARTNERSHIP between Paypal and  XXXX  is announced :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  general as well as this Paypal link : https : //www.paypal.com/ar/webapps/mpp/withdraw-funds so all of this confirms, as I said it very enphatically, the invoked reason for keeping the lifting in my Paypal account is COMPLETELY GROUNDLESS, based on FALLACIES and MISSINFORMATION. There is also NEGLIGENCE and bad faith in Paypal attitudes through   XXXX   XXXX    and   XXXX   XXXX  .
I have a closed credit card account with XXXX XXXX XXXX XXXX. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX  per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate.

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation.

In addition, I have notified transunion, along with the other major credit bureaus of this issue and they have not been able to resolve this problem.

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.
I was in the process of making a partial payment to another party for a hotel/timeshare reservation. Upon the funds being pending/withdrawn I found out I was part of a SCAM. I contacted my back to see what could be done. Funds were sent via XXXX and they had informed me that my dispute wouldn't fall under any of there 4 categories. The only thing I could do is a small claims. My dispute is for {$250.00} that was withdrawn from my account on XX/XX/XXXX and now it's just gone. I guess hard lesson learned but sad that the bank couldn't do anything to help or look into it! Thanks.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
The individuals are presenting themselves as an attorney and are bombarding my geriatric parents with threatening messages via telephone. The reported on a message to my parent 's they would contact my employer.
My personal background information to confirm my identity is inaccurate and wrong causing several problems with my bank access on my accounts. The security questions are placed on me about people I do not know nor familiar. My rental history is inaccurate and out dated. My rental on vehicles is asked instead of my personal vehicle owned. All the security questions asked does not show I am the owner of my own checking accounts thus causing massive problems with my identity to be verified. The problems mounted with incorrect update of my credit report too. The debt shows up repeatedly on my report despite the settlements. I have contacted this agency numerous occasions by phone yet it was never remedied. The dates of problems dates from 2013 to present.
I noticed something wrong on my credit report I notice a company by the name of Security Credit Services was listed and stated that the account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them {$1400.00} which is not true at all, I have no clue of what this is.So I sent security credit services a dispute letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt, there is nothing with my signature on it making this phony contract legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
XX/XX/XXXXBank of America Credit Dispute ResolutionXXXX, CA XXXXRE : Loan # XXXXTo Whom It May Concern, It has been recently brought to my attention that an erroneous negative credit report was placed on my credit history and has adversely impacted my FICO score. The derogatory credit report must be removed and notified by the XXXX credit reporting agencies immediately. 

I have never made a late payment to my mortgage with Bank of America loan # XXXX. The late payment reported to the credit bureau was done so in error by Bank of America. Please see attached document that was faxed to me from Bank of America 's mortgage department in XXXX XXXX California on XX/XX/XXXX. 

In XX/XX/XXXX I refinanced my mortgage loan # XXXX to get a better interest rate. As you can see in the attached document, the monthly loan payment was paid on XX/XX/XXXX in the amount of {$4300.00}, well before the XX/XX/XXXX due date. Bank of America 's customer service advised that because XXXX XXXX had called and asked for a certified payoff that the account was in a payoff status. 

For reasons unknown to me and without my direction, the payment had already been accepted and cleared my account and applied to my mortgage balance on XX/XX/XXXX was reversed by your customer service XX/XX/XXXX on XX/XX/XXXX and was then posted into a miscellaneous trust account pending the loan payoff. 

Then on XX/XX/XXXX a late charge was assessed to the account as if a payment had never been made. This late charge was reversed the same day and the payment of {$4300.00} was transferred without instructions from me to my escrow account. This loan was paid in full on XX/XX/XXXX, and is being serviced by the new lender- XXXX , who in turn transferred the loan to XXXX in XX/XX/XXXX. 

Please note I was never notified by Bank of America that they had taken my payment made on XX/XX/XXXX and applied it to a suspense account and then applied it to my escrow account. Bank of America made these actions without consulting me, and therefore, until now I was not aware that they had reported a late payment to any credit bureaus in error. 

I am requesting Bank of America immediately correct this error and remove the derogatory report for each of the XXXX credit bureaus that Bank of America reports to. The incorrect late credit report has affected my FICO score and ability to get additional financing for other matters. This has also affected the credit of my co-borrower parents. 
Sincerely,
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I have attached documentation regarding the identity theft directly from XXXX XXXX which includes a contact number that any third party may call to validate my claim of identity theft. I have also attached documentation from another collection agency that investigated my claim of identity theft and found that identity theft did indeed happen and deleted the account from their records.
In XXXX we filed for Chapter XXXX bankruptcy our current mortgage was withIndymac bank. Current mortgage loan was discharged and loan was sold to Ocwen mortgage in XXXX we made mortgage payments to Ocwen for 7 years. InXXXX XXXX we wanted to refinance our loan because property value wentup and we wanted to fix up our home. Shortly after there was no loan under arename and no original mortgage note could be provided. Spoke with Ocwenmanagement and everyone gave us the run around and told us our loan doesnot exist. I asked Ocwen management why were they taking our mortgagepayments and they replied to me " why was I paying them '' soon after I fileda R.E.S.P.A QUALIFIED WRITTEN REQUEST in XXXX XXXX. Ocwensubmitted documents but we are still missing XXXX items out of XXXX. We recentlyreceived a letter from XXXX that they are our new mortgage holders. Ocwenhas not complied with the R.E.S.P.A QUALIFIED WRITTEN REQUEST andloan was sold to XXXX in XXXX XXXX, XXXX.
This Company Claims I have several accounts in their office which none have been validated even though I have sent several requests. This company further posted inaccurate information to my credit reports after changing account information. I have sent multiple copies of what is required of me to support my identity theft claim including and not limited to an FTC identity theft report. I have also reported this to the FTC XXXX knows they are in violation and has not handled this complaint correctly and defiantly not in accordance this FCRA or FDCPA. This company should not have posted any accounts to my credit reports without sending me information to request validation. XXXX knows is aware they have not followed compliance rules. Therefore, they changed account information. The account is not listed as a medical collection it is listed as a charged off debt. According to FDCPA XXXX must remove this inaccurate information which they know. Again, I have submitted valid proof of my identity theft claim which XXXX was in receipt of on XX/XX/2019 via certified mail and signature receipt.
I have pulled my credit report and see XXXX XXXX XXXX has listed 12 debts they say I owe from the state of XXXX. I now reside in the state of XXXX, which is a closed boarder state for collections. I understand they are not allowed to contact me for any collection purposes by phone or mail. It is a violation of the Fair Debt Reporting Act to continue reporting a debt to the credit reporting agencies if it is not validated. I sent a letter to XXXX on XX/XX/2018 asking them to validate the debt and if they can not to completely remove the debt from my credit file. Since XXXX  is a closed boarder state for collections, they were in violation of contacting me when they sent the XX/XX/2018 letter addressing the debt validation. They should not have contacted me which then should also have made them remove the debts from my credit reports and stop all attempts to collect the debt.
I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, Transunion keep updated this information, never not once giving me an physical documentation.
To whom it may concern : I saw the write up on Herbies in the XXXX XXXX and was intrigued to send in my complaints we bought a XXXX Kia Sorento in XX/XX/XXXX. The total loan was XXXX To say the least the XXXX was worth a third of the loan. We went to trade it in last year finding that the XXXX XXXX value is less than XXXX. We stilled owed XXXX at that point so we would have to pay off the loan and have money down for a new vehicle. 

In XX/XX/XXXX the motor blew in the XXXX. They replaced it with a XXXX motor which has n't ran favorably since, it burns oil, has a knock and squeals obnoxiously. I 've had it in 3 times for them to look over the problems with them only dismissing the situation. And there is still an oil leak in the manifold, it burns oil obnoxiously. 

To say the least it has been very frustrating to pay for a overpriced vehicle that does n't run! So may times I just wanted to drive it and park it on their lot. Yet integrity even when taken advantage of is still morally correct. 

We also have a XXXX Chevy pick-up that is under the same scenario charged XXXX + and again worth half as much. And it has a device added to the motor that if you are late with a payment ... they disable the vehicle. Yet we have had the experience where they have taken out 2-3 + extra payments in 2 consecutive months. 

{$700.00} per person is minimal refund for the monies payed for a car worth half of what it is worth. And nonfunctional! 

I would like to know what 's being done about my specific situation. Please reply. 

Thank you! 

XXXX XXXX XXXX
On XX/XX/XXXX, I have sent a dispute to Equifax to remove the following negative accounts showing on my credit report. They have not removed any of those negative accounts after I asked them to provide me the original consumer contract for each of those accounts according to the federal fair credit reporting act. They have not done so.
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE INFORMED THE EQUIFAX BUREAU OF AND THE CREDITOR THAT I HAVE BEEN A VICTIM OF IDENITITY THEFT AND I HAVE SENT CERITIFIED LETTERS XX/XX/2017 ASKING FOR THE DEBT VALIDATION AND VERIFICATION OF WHEN THE ACTUAL CONTRACTUAL AGREEMENT WAS SIGNED WITH MY ORIGINAL SIGNATURE AND I HAVE NEVER RECEIVED A SINGLE RESPONSE JUST A SETTLEMENT LETTER. I HAVE NEVER SHOPPED AT XXXX XXXX XXXX FOR ANY ITEMS. I HAVE WENT THROUGH ALL THE PROPER CHANNELS IN RESOLVING THIS MATTER AND NOW I AM MY LAST STRAW. MY IDENTITY HAS BEEN USED AND STOLEN BY SOMEONE I DO NOT KNOW AND EVEN THE EQUIFAX BUREAU CONTINUES TO PUT THESE WRONG ADDRESSES ON MY CREDIT FILE THAT I HAVE NEVER LIVED AT. THIS IS TRULY BECOMING A NUISANCE TO ME. I KNOW SOMETIMES BAD THINGS HAPPEN TO GOOD PEOPLE BUT THIS IS UNFORTUNATE I HAVE TO SUFFER ON THE COUNT OF SOME CROOK WANTS TO DEFRAUD THE SYSTEM. DURING THE TIME THIS ALLEGE ACCOUNT WAS OPENED I WAS CARING FOR MY AILING FATHER AND COULDN'T LEAVE HIS BEDSIDE BUT I TRULY WANT TO KNOW HOW THIS FRIVOULOUS REPORTING CAN CONTINUE.
I checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the XXXX cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus.
I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.
This account is not mine. Its been removed from credit reports and reinsert back to the credit report