WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX prepaid account. On XXXX XXXX I attempted to withdraw {$300.00} from an atm. The money was not dispensed but the account showed the money was dispensed. I went to XXXX XXXX in XXXX KS the owner of the atm who told me they would do a count and give me the money back if there was a discrepancy. I returned in XXXX XXXX and was told the count has not begun. I returned on XXXX XXXX and told again the count had not begun but totals would be ran and I would receive a credit to my account. I did not receive any credit. I called the bank on XXXX XXXX and was told I would receive the money back from my bank after a dispute. I filed a dispute with my XXXX Prepaid account on XXXX XXXX. I called on XXXX XXXX, XXXX to ask about a provisional credit and was told I could not receive a credit until the investigation was complete. I was told Id receive an update on XXXX XXXX regarding the dispute but that even then I may still not receive any credit until 45-60 business days when the review was complete.
CHASE CARD MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM CHASE CARD
i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX XXXX EQUIFAX HAVE THE INCORRECT INFO )
I got married in the   XXXX   o f 2016 and  am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal  and 4  phone calls  with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my  title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.
We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. 
Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit report.
On XXXX/XXXX/2015 Trident Asset Management reported a {$37.00} debt on my credit report without ever making contact with me. I have no knowledge of this debt and it has no be validated as accurate but it was reported to the credit bureaus. This illegal entry has now cause damage to my credit score. Again, I have received no communication from this company. The only information I am able to provide about this alleged debt is listed below : Account Number : XXXXDate Reported : XXXX : $ XXXX have no knowledge of this alleged debt and this does not belong to me.
On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer.
This XXXX XXXX account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt  collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
had account with   XXXX   XXXX   in   XXXX   XXXX   florida arou nd 2013. close d the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my   XXXX   and credit report just with the last two months. I do not have my old account number. want it removed immediately
On XX/XX/XXXX, 2017, I sent a payment of {$10000.00} from my bank to Coinbase Inc. <P/>On XX/XX/XXXX, the transaction was shown as complete in my bank account, but the new balance was n't reflected on my Coinbase account. <P/>On XX/XX/XXXX, I realized that I sent the payment as a next day ACH transfer to Coinbase 's wire transfer routing number. I created a support ticket with Coinbase ( case ID XXXX ). I also contacted my bank to have them recall the ACH transfer, and contacted Coinbase to get instructions on how to get the money back into my bank account. I provided Coinbase with a trace number to track the ACH transaction. <P/>One XX/XX/XXXX, I received a response from Coinbase support with the following message : " Thank you for confirming it was an ACH. Unfortunately, these types of deposits are not currently supported. Please work with your bank to request the funds be returned. Once we received the request, we will process the return and the funds will arrive back to your account within several business days. '' On XX/XX/XXXX, I received confirmation from my bank that they had sent the recall request to Coinbase, and were waiting for a response. <P/>I subsequently contacted Coinbase 's support team through my support ticket on XX/XX/XXXX and XX/XX/XXXX, and also through XXXX @ CoinbaseSupport on  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get a response. To date, I have heard nothing from Coinbase 's support team, and have not received the {$10000.00} back in my bank account.
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  XXXX  account on my report as well.
In XXXX XXXX I became ill, and by XXXX XXXX I was no longer able to make mortgage payments. Seterus became the new servicer effective XXXX XXXX. I requested a forbearance in XXXX XXXX and XXXX XXXX, I was never reviewed for the forbearance. Last week Seterus filed for foreclosure.
Sent certified letter of acct inaccuracy for XXXX XXXX XXXX in XXXX, followed up with faxed letter in XXXX of inaccuracy. Special Handling dept verified that they had received a certified letter and the fax, but they deleted a different XXXX acct that I had sent a notice of dispute on inaccurate payment history. I explained that they had deleted the wrong acct and the one that they did delete was my account but that they payment history was inaccurate. I was then told that they had applied the certified mail letter and the fax letter to this acct. I explained that I did not send a certified letter for the acct that had the inaccurate payment history only a fax that had that acct number on it. They refused to put my account back on even though I told them that I never disputed that it was not my acct as it was and that the payment history was what was being disputed as it was wrong. They left the inaccurate XXXX acct that should have been removed and deleted my XXXX acct that had the inaccurate payment history. According to my understanding of the Fair Credit Reporting Act, their duty as a creditor/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing the inaccurate acct immediately and remedy the acct that was deleted when only the payment history should have been remedied.
I checked with XXXX There is no record of me owing this money. I contacted Transworld Systems to clear up the matter. They failed to give me any details about the bill and abruptly disconnected the phone call.
XX/XX/XXXX I signed up for XXXX, a Tutoring web to offer me as math tutor.

XX/XX/XXXXI received a Lesson Request from XXXX XXXX  for his daughter XXXX. We scheduled the lesson Wednesday and Fridays in the XXXX XXXX XXXX XXXXUSD /Hr. He said he was going to send a XXXX  check for XXXX USD. OF those funds XXXX  were for me as per four weeks of lessons in advance plus XXXX to cover the inconvenience. The rest, I was supposed to give it to the childcare/ caregiver.

XX/XX/XXXX I received the check. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX. Check No : XXXX. Account : XXXX. XXXX XXXX XXXX.

The XXXX  details are Origin ID XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  NY, XXXX. XXXX   Tracking XXXX XXXX XXXX XXXXXX/XX/XXXX I deposited the check online in my Bank of America account.

XX/XX/XXXX Funds were available. As per XXXX XXXX   instructions I made 2 transfers of XXXX and XXXX   to the Account # XXXX  of XXXX XXXX XXXX.XX/XX/XXXXBank of America bounced the Check No : XXXX According to the website wasXX/XX/XXXX but I checked the statement that day and it was not bounced.

XX/XX/XXXX I check my statement and see the scam. Immediately call Bank Of America. After waiting 30 minutes, went to the XXXX XXXX XXXX XXXX XXXX   FL XXXX  Branch. They said they advanced the funds without clearing the check in good will and that was my responsibility. They say they could not give any details of Account # XXXX  of XXXX XXXX XXXX. They say they could not give me any affidavit of the claim. They just let me use the phone to call the fraud department that bounced me to 2 more departments.

I went to the police.

As per Bank of America, they failed to take note of my claim that they hold the Account # XXXX of XXXX XXXX XXXX  which is the recipient to USD XXXX scammed to me and that is going to affect my credit record but also Bank of Americas reputation.

Again, if the impossibility to trace a scam is the argument on which they have the policy of doing nothing ; I have a real name, a real account in a reputed institution that should be investigated as a mean to repair damage to honest citizens and prevent future crimes.
I bought a jade pendant on the last day of a recent trip to XXXX using my Capital One XXXX card. 5 days later I contacted the XXXX store from the US wanting to return it. I felt the merchant won't cooperate so I wrote a long letter to Capital One explaining all my reasons for the return and my concerns. On XX/XX/XXXX, a lady of Capital One called me telling me to mail the pendant to XXXX and she issued me the credit. She said as long as the tracking shows it passed through the US custom, it'll be up to the merchant to prove they didn't receive it. So I spent the international postage, then wrote another long letter with the tracking #, photos of package etc. to Capital One. On XX/XX/XXXX, the merchant called saying that they received the package and need my credit card slip. I emailed photo of the slip to them right away. On XX/XX/XXXX, Capital One called me saying they reinstated the charge because the USPS tracking stops after the package left US. They need me to give them the proof that merchant received it. I was on the phone with Capital One for more than an hour, explaining that the merchant must have received it because they can only get my phone # from the package. I can show them my phone record of they called me and my email to them, but since they are not replying me I have no other way to prove it. I only mailed out the package per Capital One 's instruction. I spent so much time writing and sending them all the document I have. They made me incur all the mailing cost. I can't make up a XXXX phone call to myself. I can't make USPS track more for me. How can they ask me to prove the unprovable thing from my side after they told me it'd be up to the merchant to prove?! Capital One promised consumer protection. I did all I could in good faith. But they are not keeping up theirs.
Capital One appears to not provide on its credit card statements the amount of a transaction in foreign currency for transactions done outside the United States. I would like to know if they are legally required to provide this information as well as the exchange rate used and if not I would like to suggest that the CFPB issue regulations to make this a requirement. I would like this transparency to ensure accurate processing of such transactions. I do n't have a specific complaint about any particular transaction at this time.
I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.
On XX/XX/XXXX, I contacted Equifax to find out why no information is being reported for me while both XXXX and XXXX have no problem issuing a report. I was referred to the XXXX XXXX XXXX to investigate this matter. I then sent updated ID information ( see attached ). Every month since then, I get the same non-reporting which is hurting my chances of getting a new home loan. Equifax has never sent me any correspondence explaining why a report can not be generated.
This is a follow up to my previous complaints to JPM on my home mortgage loan. Last claim # XXXX I have received JPM response which as indicated on my feedback on the before mentioned complaint, does not address my questions/concerns : I do not need JPM to keep on sending me duplicate documentation as they do not add anything to their response nor answer the questions raised. The issues are as follows : Per XXXX : ( 1 ) Harp loans are the only refinance program that enables eligible borrowers with little to no equity in their homes to take advantage of low interest rates and other refinancing benefits. -- -- I had approx. 65 % LTV. Chase increased this percentage upon loan processing. My refinance was to reduce debt only - NO CASH OUT. My mortgage was never under water nor I ever defaulted on my loans. 2 ) The mortgage must have been sold to XXXX XXXX or XXXX XXXX on or before XX/XX/XXXXXXXX -- -- - As mentioned before, I had a conventional loan prior to XXXX. Chase deliberately changed my loan to the HARP program thru XXXX XXXX in XXXX. 3 ) Your home value has decreased. - Although due to market conditions the home value had decreased, my home value did not suffer as much because I bought my house in XXXX. By XXXX I had already refinanced my mortgage 2 times. I never asked cash out. I had enough built in equity. The question then becomes : " Why did Chase convert my conventional loan to a HARP loan without disclosing the pros and cons or the program itself ( While it is true that documents do indicate that Chase gave me a HARP loan and I ended up signing for it, as stated multiple times, they never indicated that the type of loan they were giving me was going to be under a different program nor did they explain the reason for the change ) Furthermore, based on the HARP requirements, technically my loan DID NOT qualify for the HARP program. Then again, WHY DID CHASE OPTED TO CHANGE MY LOAN, thus limiting my options and INCREASING THE OVERALL DEBT. 4 ) If my LTV was approx 65 %, how is that Chase determined that I did not qualify for the lower rate???????? 5 ) What does Chase classify as predatory/discriminatory lending practice. With regard to the credit card debt : My question was did Chase use the incorrect report issued by their credit card department to determine the rate they gave me? Chase states that because they paid the vendor, I was liable ; however, my comment was that CHASE TOOK IT UPON THEMSELVES to submit payment to XXXX without letting me know as THEY DID NOT APPROVE my balance transfer when I applied for it. Someone was to call me. THEY NEVER SENT me a letter nor I received a phone call nor a credit card. All I received was a statement indicating that I owed them $ XXXX. CHASE refused to retrieve the funds back from XXXX even when they confirmed that the account had been fully paid by another credit card company. CHASE INCORRECTLY placed my account on collection for interest I did not owe them as it was their mistake to send the funds without notifying me. All the funds were returned to them.
This is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT
I have disputed an account for  XXXX   XXXX   XXXX  several times now with Transunion and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A )  ( 5 ) ( B ) ( ii ), the dates are as f ollows  :   XXXX   XXXX   XXXX      ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Also not to mention, I feel that they are also attempting to reage this account by continuing t o change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCR A Section 605 ( c ). I curre ntly have an open dispute with Transunion and fear that I will still have no resolution to this issue.
CitiMortgage informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to XXXX XXXX XXXX XXXX ( known as XXXX. ) I already had a payment setup with Citi to pay my mortgage which had a due date of XXXX/XXXX/XXXX. CitiMortgage cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer XXXX. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy ) contacted the upstream content server, it received an invalid response from the content server. I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that CitiMortgage cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.