WillisBack/dataset-financial-user-claim huggingface dataset:
I want to open a business checking with Chase ( JPMorgan Chase ). I have been to XXXX different branch of Chase Bank XXXX, Texas, XXXX off to XXXX, also XXXX off XXXX, both time i have got contradicted information. XXXX time i went to XXXX branch around XXXX on XXXX i was told we need an appointment to speak with a business banker and that is a Chase policy now for opening a business checking account, and business banker was a lunch so i was not able to get help. So, went to the branch on XXXX got some help and spoke with business banker without an appointment unlike the bank on XXXX ( a requirement of the bank ), but was missing critical document so I had to go back no problem, since I did not have correct documents, Then on XXXX, went on branch at XXXX and beltline with all required documents around XXXX, and checked in for a business banker ( also asked the lady that was checking me in and asked a business banker would help me open an account and she stated yes ) but when my name was called a different lady called my name at XXXX or so and found at that same business banker at XXXX went on lunch at XXXX ( that someone went on lunch at XXXX on XXXX ). I waited for XXXX minutes to get help with business banker and once my name was called they found out that a business banker was at lunch at XXXX when a bank closes at XXXX, was told even if she comes back at XXXX that she wont be able to open the account for the business since the bank closes at XXXX and it take longer to open a business account ( I would of waited to open an checking account if i was told i would receive help when that banker came back around XXXX ). I have XXXX questions, why did i wait XXXX minutes for someone to realize that banker was going for day or at lunch, and if that same banker takes lunch at XXXX on Friday and that same banker takes lunch at XXXX on Monday and that branch only has XXXX business banker as per manager on duty, How is that helpful to customer that Chase employees have no policy when a customer need help on it banking issues. And Why was i was refused services when a bank closes at XXXX and that banker was coming back on XXXX? and I am a customer ( personal checking account # XXXX ) at the bank last XXXX digit of the account # XXXX. ( XXXX ) thank you, XXXX XXXX
When I took a XXXX mortgage on my house the loaner insisted we pay the loan in full and we did. Great Lakes XXXX.mygreatlakes.org XXXX is charging us interest from after the loan was paid off. They wo n't stop calling and emailing. This is harassment. I have sent them a copy of the check 3 times and they wo n't stop.
XXXX 2014 I cancel and paid the balance on my account withcable company XXXX turn in all their device .I was contacted bydebt collection company saying I owed this company money for months of XXXX and XXXX all the way till XXXX how can they claim for money owed on service I never received. remember XXXX my account in XXXX.
I am writing a complaint in regard to Smith, Rouchon & Associates ( SRA ) in regard  to three accounts that are reporting to XXXX and XXXX. I sent a certified letter to SRA in XXXX 2017 requesting debt validation as I am afforded the opportunity to validate any debt that is reported on my credit bureau reports. I also requested at this time HIPPA authorization signed by me allowing SRA to access my medical records. In response to my letter I was not sent any of the requested items afforded to me under the FCRA. I was however sent a letter demanding payment from XXXX XXXX specifically stating " You must pay the debt in full now ''. I have given ample time for the requested validation of debt and HIPPA authorization to be provided as requested to no avail. I will be including a copy of the original letter sent requesting said items and the response letter from SRA. I have not received any further correspondence in regard to these debts from SRA. IN addition I believe one of the debts in the amount of XXXX to be related to a worker 's compesation incident which was already paid by XXXX XXXX. In the state of Mississippi it is illegat to attempt and collect additional monies from a workplace injury victim. If needed I will provide proof of where this debt was paid by XXXX XXXX. I also have the worker 's compensation case number as well.
Continues to call my place of employment although they have other ways to contact me. 

Called on XX/XX/XXXX19, called on XX/XX/XXXX19 andXX/XX/XXXX19 I asked them to not harass my employer after 1st contact still continues to call
After my credit card was used fraudulently, I initiated a fraud alert with XXXX on XX/XX/2018. 

Yesterday, I received a mailed card from TransUnion that the alert was added to my TransUnion credit report. I called the phone number on the card ( see attachment ) to  get a copy of my credit report. However, the voicemail prompts were for getting the annual free report, not the report entitled by the fraud alert. 

I called the CFPB. A representative gave me another number to try ( noted on the attachment ). I encountered the same voicemail prompts. 

There is no way to talk to a human to resolve such issues at any of the credit reporting companies. They should be forced by law and regulation to do this.
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to Transunion in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to Transunion acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Back in 2015 Bank of America allowed my account to get over drafted. It was too my knowledge that I had overdraft protection. I went to go to bank of america to deposit the funds they had closed my account without any notification. I paid what I owed to the account that week. So I owe nothing on the account. They added me to   XXXX   XXXX   and now I can not even get a second chance account. I have called several times talking to many of the bank associates and ended with them telling me different reasons why my account was closed. Because I had overdraft, I had a   XXXX   balance when it was closed and also because I did not comply with their standards. I got no straight forward answer. I then asked them to mail me the reason and the only thing they mailed me was the notification that my accounts were being closed and not the reason why they closed them. They responded with a back dated,  XXXX   XXXX , 2015 response with my accounts closure and it stated that I did not comply with their deposit agreement and disclosure. On my   XXXX   XXXX   report it said something different, it said that I was attempting to transact in a prohibited manner. I would like to know how I was doing that because I would never do anything like that. I still do not know the reason why they closed my account.
Now it is hard trying to get a good job with that on my record. I 'm trying to start my own business and need a business checking account and no one will do business with me because of what they did to my record. Can you please help me with this issue it would be greatly appreciated.
I do not owe this amount. Property they are trying to collect from I was not the owner or a resident at the time and I did not authorize these services. The company has yet to show me any documentation that shows I was a resident at this property at the time of collections.
On XXXX/XXXX/2014 in XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX denied loan because The Credit Bureau -TransUnion changed my personal information my XXXX name and my mother XXXX name. 
Also in the report see that without my permission on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. They requested my information in The Credit Bureau without my knowledge. I tried to ask that they tell the truth to sent to credit bureau, but they denied to help me. 
Need to check XXXX XXXX, I think that they started the problem in XXXX/XXXX/2014 with XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX, ( XXXX ) XXXX. I not want see more XXXX in my report.
We have a sellers account with e-bay and when we sell something the money is transferred to our pay pal account. On XXXX/XXXX/XXXX we received an email from pay pal stating that a hold was put on our account and all monies were being held for 180 days. 
The reason given was that we violated our agreement with pay pal. First of all the sale in question was for {$18.00} and they are holding over {$1000.00} of our money. They are saying the product is in violation of their policy, We have never been given a list of prohibited products and have been selling this particular product for months without any problem from e-bay or pay pal. For this company to hold our money for 180 days is fraudulent, We have called customer service and gotten the run around several times telling us to e-mail a department in pay pal, which we did and got no response. We sent in formal complaints and only got the response that our appeal was denied. We subsequently send a long letter to 34 e-mail addresses for pay pal giving them till the XXXX of XXXX to respond. We have gotten no response as of today. WE have a case number XXXX. We want our money back now, there is no legal reason for them to hold it. We will gladly cancel our account and do business elsewhere if that 's what they want. 
Please file a complaint for us on our behalf. We are also going to BBB and the XXXX XXXX  XXXX office, Thank you. XXXX XXXX
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, Equifax, XXXX.
I purchased my home with XXXX Mortgage nearly XXXX years ago. I was told that in about XXXX years I could refinance the loan at a lower interest rate. In about a year of purchase the loan was transferred to Greentree Servicing. Due to medical reasons I have fallen behind a few times and have requested numerous loan modifications. I have never ever received a response to any of my request. Recently I called Greentree due to a notice of default I received. I was finally informed that my loan does not qualify for modification because it was a previous XXXX Mortgage loan. This makes no sense to me at all.
My husband XXXX XXXX XXXX XXXX XXXX after a two year battle with  XXXX. I have a joint tenancy with my husband. I believe my husband got a loan and the loan was paid off. I spoke with XXXX account manager and he indicated that the XXXX loan was paid off. Somebody else named XXXX XXXX applied for a loan and used my house as security. The tax statements from Wells Fargo names XXXX XXXX as the borrower. I am paying the mortgage payments for seven years for money I never borrowed and my husband never borrowed. XXXX XXXX 's husband took the identity of my husband and was using my husband 's E-signature to get loans. Please help me. Wells Fargo is very involved with this fraud and I am here paying for someone else.
In XXXX my identity was stolen when my vehicle was broken into and my wallet was stolen with my social security card, drivers license and bank cards. My identity was used to get a loan from a company call Mariner Finance /XXXX XXXX . I contact this company through writing, by phone calls and visit the location, I provide them with all information and documentations, they even compare my drivers license, signature, and social security card which did not match the ones that was use to get the loan. I went into the branch on XXXX/XXXX/XXXX to follow up with the investigation and they run my credit without my knowledge and still have n't done anything to resolve this situation. I did NOT apply for nor receive a loan from this company
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XXXX XXXX, I became sick and was no longer able to pay my monthly mortgage by XXXX XXXX. I stayed in constant contact with Chase Mortgage in reference to my situation and applied for a loan modification on 5 or more occasions with no success. Each time that I was denied due to lack of sufficient income. I offered to do a deed-in-lieu of foreclosure and asked for relocation assistance. I was told that I would have to do a short sale first. I explained that doing a short sale would mean that I would have to have buyers come in and out of my home. I was not in a position medically to accommodate that. I explained to them how my XXXX, along with the various medications affected me on a daily basis. I inquired whether there were any emergency funds available to assist with paying my mortgage until my condition became stable enough for me to resume full-time work. I have been very proactive in doing whatever I can do to avoid foreclosure. A foreclosure action was filed with XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX.
I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants
What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed.
I went to the doctor and I did n't have insurance, and so they unwillingly signed me up for care credit. I AM NOW BEING CHARGED ALMOST XXXX DOLLARS IN INTEREST FOR A CARD THAT I did not agree TO OPEN.
XXXX XXXX experian refuses to block XXXX XXXX XXXX and XXXX XXXX from my account the fcra law states that they have 4 days to block these accounts from my credit report
Four years ago, I moved into a new home. Contacted XXXX for TVS, phone and internet. The technician came to my home ran the wires for four TV hook-ups and hooked up my phone. I did not have the TVS yet, nor the internet, but had the phone for 4 months. Every month I was charged for the TVS and internet even though I had no service. After 4 months they disconnected my phone and set me a bill for over {$400.00}. I called them and said that I was still willing to have XXXX as my provider, but XXXX said not until I pay the bill. So I sent all the receivers back to them via XXXX XXXX. Now a company called XXXX is bugging me weekly. This is doing serious damage to my credit report.
Disputed credit card original purchase in a timely manor. Original purchase date on or about XX/XX/XXXX, in the amount of {$62.00}, merchant XXXX XXXX. Capital One did a transaction re billing of the {$62.00} on or about XX/XX/XXXX without any prior knowledge on my part. I am providing substantial proof of an attached tracking page from XXXX, the pages show two different tracking numbers of items returned to the merchant. The merchandise was returned to the Dock and signed by XXXX on XX/XX/XXXX at XXXX XXXX. ( corporate office location of this merchant/warehouse is XXXX, IA-as the attached tracking information shows ). As in any normal business practice, credit was supposed to be issued to the : Original Payment Method. No mention or instructions were made by the customer to issue any other types of merchandise credits.
I used to XXXX service through Wells Fargo to transfer {$180.00} for tickets and was scammed. I contacted Wells Fargo and they said there is nothing they could do. Im so disappointed, because I wouldnt even have used this service if I knew my own bank wouldnt back me up. This happened today XX/XX/2018
This is the SECOND complaint I am filing as Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered  credit score. I disputed these two accou nts o n  XX/XX/XXXX  of  this year through  XXXX ,  XXXX  and  XXXX  to no avail.  Midland Funding has  appropriately closed one account  (   XXXX   ) , but still leaves  one  account (  XXXX  ) open without any sort of validation.  <P/> To date , Midland Funding has  continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I have  the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a paper stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  <P/>  Midland Funding stated in their response that they have verified that the items listed are accurate but has failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said you did. Midland Funding 's failure to delet e the disputed accounts that you cant verify after  two written requests is also evidence of your willful disregard of Federal Law.   <P/> This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
we have a home equity line of credit loan with CIT bank was Indy mac the loan is a XXXX part loan first 10 years is a draw period then the next 10 years is repayment period so in are scenario we took a one time draw the bank set the minimum payment an we have made payments I looked at are loan an found out that there is no money going to the principle except what little extra more we paid so I called the bank an they said the first 10 years is interest only so I went back an reread are contract an no where does it say in the draw period or in the disclosure part that it is a 100 % interest only an know we also get a letter from cit bank that come XXXX 2017 that are payment will go up 3 times the amount so I called the bank back an the sent the complaint to a XXXX XXXX who looked in to it an after she did she sent us the same copy of the contract with a part highlighted that states during the draw period the minimum payment may not repay the principle that is outstanding on your line of credit well we new that ten years would have not payed the loan off but it does not say 100 % interest only so there should be a good pat of the loan paid to the principle an when I asked where in the contract or send me a letter stating this 100 % ten year payment i was told that quote I understand that the wording can be confusing its not they are playing with words are contract is very clear an easy to read an understand an are disclosure explains the payments an other ways to pay loan