WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying in every way to make payments that Chase mortgage escalations supervisors requested I make by XX/XX/XXXX. 

I was in Chase mortgage lathrup village bank on XX/XX/XXXX submitting three payments but they refused to take as in complaint # XXXX I was assigned to XXXX XXXX in executive offices. on XXXX. I made three calls to her to no avail. Than called and complained that she was not available and was not returning calls by XXXX : XXXX that day as her voicemail cites her hours ended at XXXX XXXX. which compelled a return call. 
While working with her she made snide and caustic remarks such as, " Im sure YOU don't have the money do you ''. Nonetheless Owner pleaded to get the three payments in by XX/XX/XXXX as instructed by Chase. She declined. And said also, " I'ca n't imagine how much stress this must be for you ''. " But I can't tell you when this will be resolved. '' XXXX XXXX also spent time explaining why she was raising her voice when owner asked her why she was being so combative. 
She promised to call on Friday XX/XX/XXXX and did not. 
Owner felt forced to request new representative for aforementioned reasons. 

However On XX/XX/XXXX.when owner finally spoke to XXXX XXXX at XXXX because Manager XXXX never returned call to date. Owner requested to change representatives without slowing down the priocess. 
On XX/XX/XXXX XXXX XXXX called citing she was new representative and she would be starting fresh and had to pull same call recordings XXXX XXXX cited he would pull on XX/XX/XXXX. But more importantly she had been provided with wrong dates from XXXX XXXX. 
She was given correct dates. 
XXXX . XXXX -XXXX did not deny that XXXX XXXX documented a STOP foreclosure on XX/XX/XXXX as did XXXX XXXX XXXX and XXXX at executive offices confirmed and concurred on XX/XX/XXXX. XXXX XXXX also cited she was aware of consumers complaint & call from XXXX XXXX XXXX office. Further at exactly XXXX. XXXX XXXX stated, " This foreclosure should have never happened ". Owner asked the call to be escalated back to XXXX XXXX XXXX but she is out of office and told no other managers were available after brief holding time. Owner requested to be put in XXXX XXXX voicemail and that transfer disconnect call. 

This is outrageous Chase has had since XX/XX/XXXX to pull recording and further more it doesn't matter as Owner tried to submit more than the one payment initially requested by XX/XX/XXXX and make the maximum amount required by Chase on XX/XX/XXXX for four hours in their XXXX XXXX Mi office to no avail. 
This executive office has made no advance and is still passing on erroneous information not returning calls or has made no LEGITIMATE attempt to resolve this critical issue. This all appears a protracted way to obviously foreclose and or charge owner additional money to make it unacheivable. 
Please help!
I have been going and going around with this company since XXXX 2015. I have paid this debt in full to them. I have sent copies of all my payments to them by fax, called to discuss this 9 times and never get it resolved. I never get calls back and get different balances when I call. They have threatened with garnishment and still have incorrect balances. This debt is paid in full and are very frustrated over trying to resolve this. I have also sent a letter to the court!! HELP!!!!!
I received a netSpend gift card for my birthday from my sister. When attempting to activate this card it asked for several pieces of personal information including my social security card. 

I have received other gift cards that did not require any personal information at all to activate it. I called an inquired why this is, they did not offer a reasonable explanation except to say it was for my security. If that was true they would not ask. Each time you give someone your social security number out increases the chances you will become a victim of credit fraud. 

I had no idea how much was on the card ( it was a gift ) apparently just asking for the balance costs XXXX cents each time you ask. So when I asked it had a balance of {$24.00}. 

Each time the card is used there is a fee charged. {$1.00} to run as debit and {$2.00} to run as credit for each transaction. 

This company is unscrupulous in their business practices and I have to wonder how they are able to do business in this country. To anyone who reads this I would not use this company for anything!!!
Citibank is an entity in which XXXX XXXX claims was the Trustee of the securitized trust XXXX XXXX XXXX Trust, in which allegedly my loan is tied to a specific pool of said trust. Please have Citibank confirm their past involvement. Please have the person who answers put their name and position and contact information. The last complaint had no name attached to the alleged response from Citibank. I doubt it was answered by Citibank! I have never even had a letter come from Citibank. I guess I will serve my own documents Friday CERTIFIED under Respa and Tila. We will see what comes of that.
inaccurate information no knowledge of accounts reported through FTC identity theft and PO report, violation of FTC and CRA
I apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!
I always make at least the minimum payment to Elan Financial Services on or before the due date through their online system. In this case, the due date was  XXXX / XXXX /2017. They charged a late fee of {$27.00} because the payment was not made by a certain time (   XXXX   central time ) on the due date ; however, their online payment system does not specify this time in my online account page until after the payment is being submitted.
I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
Capital One Auto Finance was compensated for the loan on account number XXXX. 

Capital One Auto Finance is still reporting at the State of Michigan Secretary of State that it has outstanding lien on the vehicle.
I contacted Transunion in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XXXX, XXXX, XXXX and XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Transunion for the accounts that have been " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
I have asked Experian on numerous occasions to investigate inaccurate information on my credit report. There are reporting erroneous and inaccurate information for the following accounts. I have requested to know how the reinvestigation of my 4 disputes were verified ( Bankruptcy, Charge off from XXXX XXXX, Closed Account from XXXX XXXX University, and 30-60 day  late payment from XXXX ). They have failed to provide me with this infoelation. They just keep sending notice saying the account remains. I am going to file suit against Experian for failing to verify accounts that I am disputing.
Have requested itemized bill regarding XXXX charges several times. I have NOT received itemized bill and Vantage Sourcing continues to call me DAILY. They claim that I continue to hang up on them and that I have never requested itemized bill which, is completely untrue. And, ironically they say that all calls are recorded and monitored but seemingly they can not go back and review to confirm that I have requested itemized bill and to not be called any more.
I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX XXXX XXXX, XXXX Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account XXXX XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 

A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX Unverified account
Call at least 3 times a week and left the same massage and phone #. 
I called back for information but the line seems to a looped music recording only. 
I paid all bills!
On Friday, XX/XX/XXXX, I received a call from XXXX XXXX, a sales representative with Performance SLC. After a brief conversation about loan forgiveness and consolidation we began the initial paperwork. After completion, I was given three business days to cancel the contract. On Tuesday, XX/XX/XXXX I contacted XXXX and requested a cancellation form via email. I needed more time to review the process and contract. He connected me to his supervisor, XXXX XXXX XXXX who insisted he would send me the emails. He never did and the application was processed to my federal student loan provider, even though I 'd verbal canceled. To this day I was never sent any cancellation paperwork that theyd agreed to be send. I 've called and called since this had initially happened and over the last three days ive called countless times to still recieve no answers. On Monday, XX/XX/XXXX I called  customer service who eventually connected me with XXXX XXXX, a compliance manager, who said he would handle the problem and email cancellation paperwork and more information. I now have not received a thing from him as well. They processed my application and never sent me cancellation forms though I called and verified cancellation within the 3 business days.
XXXX  paid by V A for   XXXX   ride from V A to  XXXX   XXXX .
I was affected by scam and fraudulent transactions in all of my accounts, credit cards, checking accounts, XXXX, phone account, but mostly, by wells fargo. Wells fargo would only repay the smaller funds withdrawn from debit/credit XXXX XXXX online transations, but when it came to the larger amounts in the checking account, they declined my claim. My claim is equaling {$26000.00} that was transferred to other wells fargo accounts. I am a single mom raising XXXX kids on my own and this was all I had left to rely on. I thought at wells fargo I was going to be secure, safe and insured. I thought wells fargo was a reputable company that I transferred my IRA to your company. Now, I am unable to recoup this horrible act brought upon me and my kids.
Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.
I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  Trans Union ,  XXXX  and   XXXX    credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    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   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   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   XXXX   XXXX   XXXX   XXXX   XXXX
XXXX  sent an account to collection for {$91.00} stating that it belongs to me. I did not get any written notice or phone call about this debt. I have no knowledge of any past due owed to  XXXX . I should have been notified if anything but instead they sent this account to collection. I tried many times contacting this collection agency to validate this debt but I get nowhere. I have called and written letters. All I see is an account  XXXX  on my credit that has impacted m y credit score. I 'm more  then happy to clear this account up even if it 's not mine just to get this account removed. I just feel like I should have been contacted either via phone or mail about a past due / collection account.
Hunter Warfield is stating I owe them a debt in which I DO NOT. All amounts were paid before I left the rental company. Spoke to the manager of the rental company they charged extra but requested my family to leave the premises by XXXX XXXX, 2016. In which we did, they kept our security deposit to now receive a letter from Hunter Warfield on their behalf. We are not responsible for the move out fee 's before 60 days as we were requested to be out. We do NOT owe this debt!! <P/>We 've sent debt validation letters and they 've refused to respond.
I opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.
I have recently been informed that there is negative information reported by XXXX/XXXX in the file maintained under my Social Security number at Experian. Upon reviewing a copy of my credit report, I see an entry listing as I have a {$760.00} charge-off onXX/XX/XXXX, which happens to be an inaccurate amount. The amount of {$820.00} was paid to XXXX/XXXX in the following installments : XX/XX/XXXX {$210.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} Experian was forwarded supporting documentation and refuses to remove the inaccurate information from my report.
I received a garnishment through my bank account at the beginning of this year. This garnishment was processed without me being notified via written correspondence, phone call nor being properly served. I disputed the garnishment and a couple of months later the funds were returned. A second garnishment was initiated, again without proper notification, via my employer and the funds were collected in full in three installments. I have all the documentation reflecting the full payment of the garnishment. To my astonishment, on XX/XX/2018, the same company, garnished the same debt, already paid via the three monthly installments from my employer. They again failed to contact me in any way, and have illegally taken my money, causing me distress.
I looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.
XXXX XXXX split off their service provider to XXXX in XXXX, knowing that the public service forgiveness program was started. In doing so this company did not participate in this program. I had been making payment to sallie mae and XXXX for almost 6 years or so starting in XXXX until I found out that XXXX did not participate. I am eligible for public service forgiveness, working for 23 years for a XXXX. In steps XXXX through Global Client Soultions who solicited me. They said the had a program that would allow me to be eligible for loan forgiveness. But they had to charge me {$250.00} dollars! XXXX XXXX, XXXX XXXX an XXXX XXXX of XXXX total of {$770.00}. Had i stayed with XXXX XXXX at {$300.00} a month i would almost be paid off {$36000.00} With XXXX at {$380.00} based on 25 years 300 payments {$110000.00}, restarted payment XXXX, 10 years after loan forgiveness 120 payment {$380.00} = {$46000.00} I will be retiring in 7 years still paying for corporate greed an deceptiveness. I have been lied to, charged for something that is free but that was never said and mislead by all companies involved.
There is a company that just listed a collection on my credit file whom is ERC trying to collect for XXXX XXXX. I fought this with a prior agency XXXX I do NOT owe XXXX anything. Please help this is out of control.
I contacted XXXX to inquire as to why my credit card reporting status showed under adverse accounts on my TransUnion report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. XXXX would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency TransUnion. 
I filed a dispute with TransUnion because XXXX stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with TransUnion now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If XXXX did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.
Several family members have received phone calls from this company about a money I owe. The tell my family and friends that I am being serve for wire fraud, however I have never received anything in writing. My family and friends were not contacts on any loan of mine. This company took the liberty of calling my work and my ex-husband.
Conserve has indicated they are in compliance with the Fair Credit and Reporting Act, when they are actually out of compliance. Upon receipt of the debt notification from Conserve, a debt validation and dispute request was submitted on XX/XX/2018. Conserve failed to respond to the certified mail request ( USPS tracking number # XXXX  ) within the 30 day response time mandated by the Fair Credit and Reporting Act. Due, to lack of response mandated by the FCRA, Conserve is not reporting accurate information as mandated in their letter. Therefore, Conserve 's solution to simply report this account as paid, is in fact a violation of the law. If Conserve continues to remain out of compliance, for reporting inaccurate information on my credit report, I will pursue further legal action. I am hoping to have this resolved and deleted from my credit report within the next 30 days.