WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX    XXXX , 2017 I received a payroll check from my employer instead of a direct deposit as it would not be available until later in the month. The check was received by mail and I deposited this check via Chase Mobile app after  XXXX  PST and received a message that it was accepted. I then made bill payments. There was no message from my employer that the check was dated  XXXX   XXXX , 2017. The check was paid on the corporate bank account of my employer and there were enough fund to cover it as the payroll was scheduled to run on  XXXX   XXXX , 2017 for all employees across the US. Chase then returned the check and charged me overdraft fees. I alerted my employer who is direct depositing the same amount of the check on Tuesday,   XXXX    XXXX , 2017. However as of   XXXX    XXXX , 2017 my account is now over {$600.00} in overdraft. I went to a Chase branch in   XXXX   XXXX  , CA and the personal banker was only authorized to reverse {$100.00} dollars in service charges for   XXXX   NSF transactions out of   XXXX   so far. By the time I receive the direct deposit my account will still be in arrears and I will incur more charges if I ca n't make up the difference in 5 days. My next paydate is  XXXX   XXXX , 2017. Chase did not call the bank of my employer to verify funds because they said I did n't deposit it in person.
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My home branch is in   XXXX   XXXX   which is over an hour commute time from where I live. So I went into the branch near my house that was open on a Saturday. I have listed my home branch in the business contact details below.
In XXXX and XXXX of 2013 two transactions were made on my paypal account. The funds were withdrawn from my debit card. I was incarcerated at this time and reported fraud when I was released and this came to my attention. I was told that I am liable regardless. That account was charged off and submitted for claim. I am still trying to resolve this and have been told that this is friendly fraud. I did nothing wrong. This debt is not mine.
the following account was once held by another collector. after sending in letter to previous collector to inform them the account is not mine. Previous collector responded with a letter to delete account collection. They complied and the account was removed from the collection agencies. Now this same debt is reporting on my account under a different Collection Agency and that the CBs deleted. New collection agency has not contacted me not letter no phone calls nothing! I was checking my credit report due to XXXX hack and came across this on my report. I have had to deal with XXXX and no help, they wo n't even look into the matter that, they continue to accuse me and I 'm letting them know they either misidentified someone or enter wrong information, however this is not me!!!
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different  supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed Experian for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
I have requested that this debt be removed multiple times as it is both erroneous and false on my credit reports with XXXX, XXXX, and XXXX. This account XXXX has been misreporting as a factoring company on my credit reports.This is a direct FCRA violation and I will seek to file suit unless this account is removed from my credit reports.PRA is reporting falsely because they are a debt collection company not a factoring company.
My name is XXXX XXXX XXXX.I received a call on XXXX/XXXX/XXXX from a private number stating I had a debt back in XXXX that needed to be paid and they have made several attempts to reach me. After I had told them now was not a good time, they told me " Good luck in court maam ''., At that time, I became panicked and heard them out. I started asking questions, ( who they were, when this debt supposedly happened, why they have n't tried to contact me before ) The woman stated they were the collection agency and the actual debt resided in a different company. They also told me my ex 's information of his email. They then started to confirm all of my information and asked me to pay now on that day or else someone ion my area was going to serve me court papers, and that would cost me well over XXXX to fix. I was very scared at that point and decided I better pay this bc I do not want that to happen, I transferred money and even called the bank to let the funds go through. After the transaction went through, the lady continued to call me stating they would email me the final paperwork to be signed ( sounded legit, bc I thought that 's how you would handle a debt collection ) so after me not signing for a few hours they called me back to sign the paperwork. I got home from work and signed it online that day and then received an email stating everything was ion close and then I saw the Insight capital LLC. I had then XXXX that company and realized it was a scam. HELP me please!
Quicken Loans DISCRIMINATION against XXXX XXXX Veterans continues ... 
XXXX XXXX Bank Mortgage was transferred to Quicken Loans in XXXX ; Since then, Quicken has failed to comply with Regulatory Laws. I Filed several complaints with Quicken who failed to resolve or ignored problems. 
1. XXXX, received Check ( XXXX ) for {$120.00} after XXXX merger that 's worthless. 
2. Denied Refinance 30 yr ARM to 15 yr Fixed Mortgage since XX/XX/XXXX-present. Quicken Mortgage Manager informed me to refinance with other Mortgage companies after Quicken DENIED the Refinance of loan because it was n't within the best INTEREST ( % ) of Quicken. 
3. Denied access to 'My Quicken ' account online website for Tax statements, Paperless documents, or resolving the on-going problem since XXXX and current problem since XXXX. Quicken DENIES access to MY QUICKEN Account to STOP ME from submitting messages ; to clarify, If I ca n't access the account then I ca n't complain about the Bad Service or DISCRIMINATION. 
4. Quicken last email message was on XXXX XXXX XXXX ; response to refinancing that Quicken DENIED without explanation ... DISCRIMINATION. 
5. called Customer Service who CA N'T find my file and REFUSES to resolve problem. 
#. Quicken ADMITS to DISCRIMINATION against XXXX VETERAN ... Denies Discrimination, then continues items XXXX. Quicken Corporate REFUSES to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX XXXX Veteran with an XXXX XXXX Surname ( XXXX )
For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And TransUnion has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by XXXX points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with TransUnion and XXXX enough is a enough.
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX  remove the account from XXXX XXXX XXXX.
I had gone into a Bank of America to cash a check which was drawn of the same bank. I I specifficaly asked the teller to verify the funds which she did so and the check was cashed and given to me. A week later my account which was n't linked to the transaction was overdrawn for that amount. They claimed that the maker of the check stated it was fraudulent but I have supplied multiple letters from that establishment signed by the owner stating it was not. I am on XXXX and XXXX and I cant get off!!
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Todays Date:XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information
I find the idea of banks dictating Government policy through their lending and commerce practices to be wrong. These are the same banking institutions that received Billions in Tax-payer bailouts due to their own negligence. 
The banks were rewarded for their efforts to destroy the economy, while consumers were punished. Now they want to control the firearms industry through policy changes, an area they have no jurisdiction.
1. ) HomePoint Financial sent me a letter indicating that due to an error they had mis- reported to the credit bureaus that We has missed a payment, and that it would take 45 days to be corrected 2. ) Homepoint Financial mailed my escrow payment for Home Insurance that was supposed to go to XXXX to an address for the XXXX XXXX 3. ) Homepoint Financial miscalculated my escrow payment resulting in a {$300.00} increase to my monthly payment 4. ) When calling in order to have the Escrow corrected, I was hung up on twice by HomePoint Financial ( XX/XX/XXXX ) - I was promised a call back within an hour from Supervisor " XXXX '' - they never called me back 5. ) After correcting my escrow adjustment, HomePoint Financial failed to produce a new and updated statement for me to pay 6. ) I was promised that HomePoint Financial would send me an updated statement with the correct amount on it, and I received a duplicate of the original erroneous bill 7. ) Upon calling to correct the erroneous bill a second time - I was told that they could not issue an updated bill until the next billing cycle - a direct contradiction to my earlier conversations. 
8. ) It is XX/XX/XXXX - XXXX bill is due on XX/XX/XXXX and I still do not have an updated statement to pay. The bill I have is for an incorrect and MUCH largere amount than is due. I am pretty sure that it is a violation of the FDCPA to sent a bill for an incorrect amount, as is mis-reporting credit information, Hanging up on a consumer, and giving them incorrect information.
I applied for a Citi ThankYou Premier Card on XX/XX/2018. I knew that Citi Bank in the past discriminated against users having the same card more than once and trying to get the sign up bonus again. I have never had the Citi ThankYou Premier Card before, and after perusing the terms and conditions, I didn't notice anything that would disqualify me from receiving the XXXX points offered for spending {$4000.00} in 3 months. Upon completing the spending requirement, I noticed that I was not receiving the bonus. I was later notified that they inserted a new clause stating that if you have had ANY Citi card that was opened or Closed in the prior 24 months, then I would not be eligible for the bonus with this entirely different card. Since I had previously had the Citi Prestige Card and closed it 1 year before applying for this card, I was deemed ineligible. The only reason I closed the Prestige card is because the bank stripped all of the perks and benefits that made it worth keeping open and it was no longer worth the hefty {$450.00} annual fee attached to it.

My issue with Citi is that there's no precedent for ever declining a credit card bonus to a customer based on the fact that they CLOSED a completely DIFFERENT card within the last two years. XXXX XXXX notifies their customers when they attempt to submit an application, that the user would NOT be eligible for the card 's sign up bonus and asks whether they would still like to proceed.

I felt like Citi 's terms and practices were and are deceptive and they were perfectly happy to run my credit, take commissions from thousands in spend, and then absolve themselves from any wrongdoing. It's not clear from their terms that having a COMPLETELY different card that was closed over a year ago would disqualify me from this separate card 's sign up bonus. I've asked for them to award me the bonus OR at least remove the hard inquiry from my credit report. They sent me a later saying they've done nothing wrong and that their terms are not misleading. I've encountered other individuals who have been victims of this deceptive practice and unfair terms. Can you please help me not only resolve this issue but ensure that credit card companies, starting with Citi, do not take advantage of users with arbitrary and misleading terms and conditions?

Thank you in advance.

Best, XXXX XXXX
XX/XX/2018 Equifax 's Online Free Credit Freeze is NOT working. When start button is pressed, a blank screen appears.
I used the change machine in my local bank to deposit some change into my bank account. I put the change into the machine and got a claim ticket to redeem and deposit into my account. The lines were excessively long and I did not have time to wait to redeem the ticket for cash. I am now trying to redeem the ticket with the bank for the cash I deposited in the machine, but they are refusing to honor it.
Not sure if this is where I would report it but I was told id get help with a secure credit building credit card with a minimum low but they said there is no card available to me but when speaking to a person they said they would send me info and start helping me rebuild my credit but again nothing yet??

I've tried to contact them several times but no help.

Not sure if they are taking advantage of me..
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
We recently sold our house on XXXX XXXX and OCWEN is the mortgage servicer. Complete payoff was sent on XXXX XXXX to OCWEN. We had to file a complaint with the CFPB just to force OCWEN to process the payment and show that our loan was paid in full. Now, OCWEN is holding {$340.00} of overpayment in a " suspense '' balance. They have had this money since XXXX XXXX and have paid us an escrow refund but not the suspense money owed to us. They also received a refund of our property taxes of {$600.00} paid on XXXX XXXX. That money has not been returned to us. OCWEN has now had the " suspense '' money for over XXXX month and the property tax refund for at least XXXX weeks. On a payment reconciliation report OCWEN provided to us through another CFPB complaint, dated XXXX XXXX, OCWEN did not even show receipt of the property tax refund. Once again, OCWEN is sitting on money owed to us - effectively stealing our money and earning interest on our money. With today 's technology there is no reason a mortgage cant be paid in full with all suspense moneys and refund monies being paid back within XXXX weeks. Our last complaint through CFPB ended with OCWEN admitting they had a system error. Is this another system error, or another way to earn interest on monies owed to consumers?
I had a XXXX and had a balance of {$2900.00}. They lowered the credit limit to {$2700.00} and charged over-the-limit fees on top of the other fees causing the monthly payment amount to skyrocket to nearly {$300.00} a month, making the monthly payment no long affordable. I am uncercertain who to contact at XXXX for payment. Please help me reach out to XXXX to make payment.
Since XXXX XXXX, 2016, I 've been attempting to request my free annual report from Experian, though XXXX. Each time, when I get to the end after entering my info and choosing Experian, I get the message : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' So, the online form is n't working with them at this time, and they have n't fixed it after two weeks.
Seterus has been claiming that we are a month or two behind and missing payments in our mortgage. This claim started happening once we were discharged from our Bankruptcy. We have received notices claiming we requested to modify our loan ( which we did not ) three days before receiving our actual mortgage statements. We bank online and do not wait for the statements to pay our mortgage. We have requested on several occasions for Seterus to send us the proof we are behind and missing payments. What they sent us does not prove it. We also responded with the proof all payments were made. The months they claimed we are missing were months we were with XXXX XXXX XXXX and we have proof we made all payments to them as well. We are being harassed by Seterus and they have dinged our credit with false information. We have tried to work with them through no avail to resolve this issue. Seterus are rude and accused us of refusing to accept that we owe them money. Please investigate this company, there is something seriously wrong with them.
I call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call
Paid off Vehicle in-full at Bank Branch in Maryland more than 45 days ago, and called Customer Service 20+ Times over the same time span. Consistently receive different information that the " Lien Release '' has already been mailed, that it was already processed, that it's never been processed, etc. Considering contacting state Attorney General since PNC is likely operating outside of legal limitations to release Lien after Vehicle has been fully paid off!
XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. 
The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.
There are 3 accounts from XXXX that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list XXXX  ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to XXXX, but they continue to harass me!
I HAVE SENT MY IDENTITY THEFT PACKAGE TO EQUIFAX AND THEY ARE NOT COMPLYING WITH FCRA WHICH STATES TO REMOVE ACCOUNTS WITH IN 4 DAYS AS STATED , per FCRA Section 605 B.