WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit card with Washington Mutual Bank which was bought out by Chase Bank who then reissued the card with the Chase Bank Logo on it. In XXXX my husband became unemployed for 6 months and we had no income whatsoever. Chase bank refused to work with me and marked my account as a charge off. At that time there was a balance of approximately {$2000.00}. At current this debt shows on my credit reports with a balance of {$3500.00}. I would like to file damages under File No. XXXX In the Matter of : CHASE BANK, USA N.A. andCHASE BANKCARD SERVICES, INCFurther I would like to have this item removed from reporting on mine and my husbands credit bureau reports.
I applied and was approved for a XXXX XXXX XXXX XXXX card through Bank of America while I was finalizing my cruise arrangements on the XXXX XXXX Website. XXXX XXXX and Bank of America BOTH advertised on their websites ( and still do ) that if I applied and was approved for the card and completed a transaction within the first 90-days, that I would receive XXXX Bonus Points which could be redeemed for a {$100.00} Onboard Credit during my cruise. I made the qualifying transaction immediately upon receiving approval online while booking my cruise. I then received the actual XXXX XXXX XXXX XXXX card in the mail and took it with me on my trip. 

During my cruise, I spent {$210.00} onboard, thinking that {$100.00} of it was going to be covered with the {$100.00} Onboard Credit that I had earned. However, after my cruise, the {$100.00} Credit was not showing up on my statement. 

When I contacted XXXX XXXX about XXXX XXXX and they told me that I had earned the {$100.00} onboard credit, but I would have to deal with Bank of America because they had cut my statement off too late for me to receive my {$100.00} onboard credit for this cruise, but I could use it on my next cruise! Wow, why would I want to take another cruise with XXXX XXXX after they had lied to me? It was like another gimmick to get me to book another cruise! On Wednesday, XX/XX/XXXX, at XXXX, I spoke to XXXX at Bank of America . He took the information and issued me a Case ID  # XXXX and indicated that he would try to get the {$100.00} statement credit applied to my account. I received a letter from Bank of America dated XX/XX/XXXX stating that they had reviewed my account and had applied my rewards correctly and referred me back to XXXX XXXX. So basically, the small consumer is stuck with two very large corporations pointing the finger at each other over a {$100.00} False Advertising Scam.
I recently opened the online savings account with XXXX XXXX. They were not allowing me to move my money out of the savings account, holding my fund hostage. I then spoke to the representative, who said that it is the customary protocol and the 60 days hold will be lifted when I submit the bank statement verifying the source of the fund is mine. After sending over the paperwork for more than 4 days, I did not get an automatic call back. I then called the company again and the representative mentioned that the company 's fraud department determined that there is red flags exist in my account, and yet no mentioning of what the red flag is, and I have no phone number to appeal and no supervisor is willing to explain to me the problem. Placing a 60 days restrictive hold is unreasonable and unheard of and basically for me to lend the company free money for the 60 days. I would like to agency to investigate this practice as I am in dire need of using the money and I only came across this hold after my money is transferred to the bank account.
I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company.
Hi, Accounts seem very old and odd. Do n't know if these accounts are mine. Ca n't reach any companies by these names : 1. XXXX # XXXX 2. XXXX # XXXX Thank you.
Wrong informations on my report ... under employer. I have never worked for a company called XXXX
I received a letter on the date of XX/XX/2018. In the attempt to collect a debt in the amount of {$600.00} my credit report was sent to XXXX XXXX XXXX. I would like to have this matter taking care of please.
I had a XXXX mortgage with Nationstar and I tried to get that loan modified, but was turned down because they said that I was current on my mortgage. I explained that I was running into terrible because I could not seem to rent this house out. I had been covering that loan along with the XXXX mortgage on that house with my savings, which was depleting. 

So I called to do a Deed-n-Lieu in XXXX 2015 and the representative that I was working with never contacted me. I would leave voice messages and he would never call me back. I would take days off from work to reach him, every now and then I would get lucky and he would pick up and immediately, he would say that he emailed me. I would hang up and check my email and it would be no email from him. 

Apparently, they gave the case to another representative who seemed to work diligently on the case. When I spoke with her towards the end of XXXX she received an email saying that, I had ran out of time and that the house had a sale date of XXXX XXXX. 2015. I asked, how could that be, if we were working on a deed n lieu. I asked, does it normally take this long to do a deed n lieu? She responded by saying, i 'm sorry. I have to close the case. 

Now the second lien holder has been calling me, asking me what 's going on with the loan. I keep telling them, that the house foreclosed. Also, I received a violation from the city of XXXX, va regarding the cutting of grass. 

I feel my case was n't handled property with the first representative and he sat on the case and then when they gave the case to someone else to handle it, it foreclosed and now i 'm stuck. Apparently, they did not sale the house after all, I think it 's in their REO department and Nationstar never contacted the XXXX lien holder which is XXXX.
Department of Education/ Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }
I received a call from a man who left a message saying that I was avoiding them and that I needed to call them in order to stop him from coming to my house and my work. I called the number that he left and the lady said that I needed to make arrangements in order to stop it from going to court and fraud charges be filed against me. I panicked so I set up arrangements. She said I owed around 1700 but if I settled it would be XXXX and it was going to be XXXX a pay period until paid off. I asked if I could receive any documentation because I thought I had made payments but just didnt pay it off and she said that they couldnt give me any documentation until it was paid in full because I could use that information against them.
My brother and I rolled his change so it could be deposited into his savings account. We went to the XXXX, MI branch to deposit the money. As soon as the tellers saw the rolled coins the XXXX of them began arguing about which one had to wait on us because they did n't want nor need the change. It was not only frustrating, but also highly embarassing. My family was so embarrassed we are ready to empty XXXX accounts from PNC bank and taking the money elsewhere!
At the beginning of XX/XX/XXXX, I utilized a credit score feature on my online banking and noticed that my credit score had dropped significantly. I requested my credit reports through XXXX and noticed that there was a delinquent credit card from Synchrony ( XXXX credit card ) reflecting on my credit reports. I have no recollection of applying for this credit card and I was under the impression that this credit card was solely under the name of my ex-boyfriend and that I was not joint on the credit card. Any other credit cards my ex-boyfriend had I was only an authorized signer and not joint so I thought this one was like that as well. I disputed the credit card through XXXX and received notification back on Thursday,  XXXX XXXX and they notified me that it was updated but the credit card was not removed. 

My ex-boyfriend and I had split in XX/XX/XXXX and at that time he had informed me that he was going to file bankruptcy. I requested that any credit cards of his that I may be an authorized signer he remove my name from. He then proceeded to contact all of the credit card companies to remove my name. He had contacted Synchrony in XX/XX/XXXXand he was told by a representative that I was not on the credit card. 
When I noticed that it was on my credit report, my ex-boyfriend contacted Synchrony once again on Friday XXXX XXXX and they informed him that I was in fact on the credit card as a joint. He had requested they provide documentation proving that I gave my authorization to be a joint on the credit card and they refused to provide it to him. 

I then sent in a secure message to Synchrony on that same Friday introducing myself and explaining my situation. I requested proof that I gave my authorization to be joint on the credit card and they responded back on XXXX XXXX with no documentation. I sent another message that day again requesting proof and they responded on XXXX XXXX with an attached periodic statement forXX/XX/XXXXwith my name on it but still no proof that I made a request for or authorized for this extension of credit. 

I am really trying to resolve this issue as it has been reporting delinquent for XXXX, XXXX, and now XXXX and has had a significant negative impact on my credit score and will continue to impact my credit negatively until this is resolved. Given this  impact, my decision to only be an authorized signer on his credit cards, Synchronys confirmation inXX/XX/XXXXto my ex-boyfriend, and the absence of any other negative reporting I am confident that this is an error on Synchronys part. However, I am willing to accept documentation that shows that I indeed requested this extension of credit, which I have not received despite four attempts I have already made.
I have reached out to the company  3 diff erent times requesting the information from the car being sold and for proof that they are reporting the correct payment amount. Before the car was picked up I found out the car had a savage titled I reached out to the lender of the car they basically told me there was nothing they could do about it and I had to take the lost. I could n't trade the car in. The motor than went on the car so I was unable  to drive th e car for months before they got the car. I than was told serval different amounts the car was sold for on each call. I have been requesting proof since  XXXX    XXXX   and I still have not received anything.
I had a vehicle loan from XXXX XXXX XXXX. The vehicle was involved in a flood. The vehicle was totaled by the insurance company. I was fully covered including GAP insurance. The GAP insurance paid the loan in total. XXXX placed two late payments on my credit report. I have disputed with the company and through the major credit bureaus. I have been unable to have the information removed. I never had any late payments on this vehicle.
my wallet and cell phone were stolen at a party, i never find them and notcie the bank totally closed my account i had XXXX of dollars in there. i get a letter in the mall of a fraudulent account statment of someone taking all my money out of the bank and not XXXX person at bank of america will tell me anything they pretend i never exsisted and they send me to a XXXX. im so XXXX i need your help thank you.
I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.
As repairing my credit with XXXX for the past 3 years my score has been improving. Recent desires to buy a auto, I applied for a loan at my bank a credit union to be turned down. I then checked back with XXXX, my XXXX XXXX, EQUIFAX SCORE IS XXXX, BUT has 2 fraudulent XXXX accounts in collections from XX/XX/XXXX for XXXX & XX/XX/XXXX for XXXX. Their is also a tax lien from XXXX for XXXX paid marked paid as of XX/XX/XXXX. So I attempted to dispute these items XXXX no problem 1 XXXX already removed no tax lien. As i filled out Equifax information it stated items were inaccurate, it took me to another screen. I filled out this long information on the 3 items to dispute and sent off. Well no email not dispute # created notta. I called to actually speak with a representative, again you jump through hoops to get a actual rep. Then we go through vital verification info name, address, ss #, DOB, then security question of recent inquirer 's so one of the institutions I attempted to get a car loan at put in the wrong DOB for me, and now I have to jump through hoops to verify I was born! Then jump through hoops to dispute fraudulent claims and a non updated removed tax lien from XX/XX/XXXX PAID IN FULL 5 months after reported on my credit! Geeze XXXX XXXX XXXX! I 'm sorry my husband became XXXX from the XXXX at XXXX XXXX! I 'm sorry I lost my job caring for him! Yet tax lien was paid 17 months late! Equifax is a XXXX in their accountability to consumers, you have to sign up and pay in their direct web site, someone can inaccuracy report a DOB and you the consumer has to jump through hoops to prove your own identity, oh yeah they wont tell you which company either! Equifax even though you submit this other long dispute form does n't even generate any tracking info wont let you cut copy or paste!
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX XXXX/XXXX/XXXX Trans Union XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX XXXX no account number Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

These are the non account holding inquiries over 30days old 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 Thank You, XXXX XXXX Attached : Copy of my Social Security XXXX XXXX XXXX XXXX is attached
To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.
Sent a bill to a collection agency when the bill was paid in full and refused o provide copies of the supporting document sent to credit collection agency which ended up on my credit file
After conducting further research, in an effort to find out why ally bank/auto has been so adamant in trying to refute my Promissory Note, that is obviously, and clearly legal tender with paying off a debt with banks ; I discovered that fraud and a breach of agreement was committed by ally bank. After our contract was assigned to ally bank, through XXXX ; ally bank opened up a transaction account ( s ) in I and my wife 's name, from a Promissory Note that we signed, that became an asset for them, that they monetized, for creating the funds, for what they call a loan, that was really an exchange. Ally used our Promissory Note in exchange for our transaction account ( s ) as legal tender, and yet they say that it is not recognized and accepted by them as monetary tender, what kind of sense does that make! Ally bank opened up a transaction account in our name, without our permission, and we did n't receive a receipt for the deposit that was made from the Promissory Note! Ally bank violated the banking law GAAP! If Ally Bank tries to refute this, then I will demand full disclosure of ally 's Book Keeping Entries per the GAAP, that proves everything I said to be true! Also in the GAAP agreement, it states that the borrowers can repay the debt using another IOU-Promissory Note payable in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. How is it that ally bank dont ' understand the banking laws they are suppose to abide by!? The other proof to what I 'm saying is mentioned in the Federal Reserve Publication, page 3, it confirms that banks do n't give loans and that the Promissory Notes are to be deposited into a transaction account as an exchange. Last but not least, ally bank only gave me back one of the Promissory Notes I sent them, and even if they would have sent me back both of them ; they still could have made a copy and deposited them. The only way to tell is what the Bank Book Keeping Entries show, if I have to go that far ; all I want, is what is rightfully ours, the Title to our truck, showing paid in full.
I disputed an account on my credit report as ... " no contract " account unknown and requested verification of Debt. Experian took the debt off my credit report and has now recently put this collections item back on and credit score dropped 10 points
I am a current capital one card member however I have also been the victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX someone applied for a capital one card in my name but using a different mailing address, phone number and email address. On both of these occasions capital one approved credit cards for the fraud. I caught both of these within a XXXX days and called capital one to inform them of the fraud. The accounts were immediately closed and I was told no cards were sent out. I was also told that they would remove the hard inquiry from my credit report. To this date they have not removed it, I have called, wrote letters, and even just today spoke with customer service. They have made no effort to remove this from my credit reporting and it has adversely affected my credit score. 

I want these inquiries removed from all XXXX of the credit reporting agencies immediately.
This company has called and they 've also written requesting that I pay the loan in full. I 've had situations in life arise where it left me in a financial ditch. Whenever a representative contacts me, I 've tried explaining that I ca n't pay the balance but I 'm willing to send in small payments at least by making some contribution towards decreasing this loan, but they 're never willing to make payment arrangements with me. Now it 's on my credit affecting my score and showing as delinquent when I did try to maintain a positive status with the company. It has gone to another debt collector. No luck with them and the representatives are very rude and unprofessional.
I have XXXX Hard Inquiries from a XXXX XXXX XXXX Credit Card XXXX XXXX dated XXXX XXXX XXXX and XXXX XXXX XXXX respectively and I did not apply for credit.
Made p romises it could n't or would n't deliver and I was harmed {$370.00} at this time.     Direct Deposit form given to  XXXX   XXXX , Banker at  JPMorgan Chase  on  XXXX   XXXX  on  XXXX / XXXX / 2017 . The direct deposit never arrived on  XXXX   XXXX ,  2017  or  XXXX   XXXX ,  2017  as promised and I lost my benefits which remained with old checking account at  XXXX    XXXX   as well as the promised Bonus of {$300.00} and had accumulated {$74.00} in interest fee because I could n't pay off my  XXXX  Charge Card in  XXXX   2017  and in    XXXX    2017   .     Intentional Interference came from Banker  XXXX   XXXX  who held control of the form knowing it would not be handled within 60 days.     On  XXXX   XXXX ,    2017  I updated " My Social Security '' and directed the direct deposit to be deposited with Chase on  XXXX   2017 .
I have a collection on my credit from XXXX XXXX. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. XXXX XXXX is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.
XX/XX/2018 a charge of {$310.00} from XXXX XXXX was posted to my account, my card was essentially stolen by a coworker. However even after requesting a new card THE SAME NIGHT and trying to deactivate the old one & talking to my bank ( Chase ), they claimed I was responsible for this transaction. The charge still sits on my account, 13 days later and my bank states that I need to pay for this fraudulent charge. I do not know who to talk to