WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a wire was paid into my Chase Checking account for {$70000.00}. for goods and services sold to a client.

Around XX/XX/XXXX or so, I was not allowed to withdraw money from my account because Chase Bank said that the person who sent the wire had recalled the funds.

I subsequently spoke to the client and explained the situation and she agreed to be refunded {$40000.00} since {$30000.00} had already been sent out to pay for the goods she had received.

Around XX/XX/XXXX, I verbally authorized Chase bank - ( the conversation was recorded by Chase ) to refund only {$40000.00} to the client.

Instead of following my simple instructions Chase closed my account on XX/XX/XXXX and told me that I would not get a check.

My client did not get her {$40000.00}. and I did not receive a check. Where is my money?
I have Sent several letter 's asking for GLA Collections to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail onXX/XX/XXXX allowing them 30 days to provide proof.. On the 31st day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I  have never done business with XXXX XXXX XXXX and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies  as they are in violation of the FDCA/FCRA acts.
Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. 
XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.
I have a joint account with my husband. We noticed that over a period of time, the funds in our account kept being withdrawn and neither of us or anyone authorized by us, completed these transactions. 
I contacted my bank who, after their investigation, concluded that the disputed transactions were valid and remain on the account. The transactions amount to over {$600.00} and were all ATM withdrawals. We did not make these withdrawals.
I have tried to reach out to Experian to ask them why my credit score for utilities ( XXXX ) is so different from my primary credit report ( around XXXX ) ; I have n't been able to get through their systems, as their phone is useless ( XXXX ) and they require a report number on their site -- a report about my credit on utilities, that I do not have. As a result of this report, ( and I only found out through a letter from the utility company ), I was asked for a deposit for my energy bill, and due to this and additional other issues, my power was turned off without warning. -I 've paid my bills consistently for the last 5 years, so I did n't understand where this was coming from ; my previous energy company issued a very positive letter of credit to the new company. 

I would like to know : 1. Why there is a drastic difference between the XXXX? 
2. What items are on that report that are bringing it down? 
3. A copy of my 'utilities credit ' report. 
4. Information on how to challenge anything on said report. 
5. A contact phone number or email that actually works
My account went unpaid with XXXX ( XXXX financing Visa card ) and it was sent to a debt collection agency called XXXX. 
I agreed to settle the account with XXXX For {$710.00} with reference number XXXX. I received the agreement from XXXX saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling XXXX I was told that this account has been transferred back to XXXX.
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.
I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
I tendered instrument to satisfy my loan on two occasions verified my USPS mailed and delivered the payment Spoke with HYUNDAI and confirmed they will track my payment and removed repo They refused to send anything in writting They stated it 's against their companies policy to provide " communication '' via mail. 

This morning someone came onto my private property and stole my vehicle. Left no identification nor did they leave any paperwork. 

I called Hyundai and they said I was a debtor and not a creditor. They also stated that they did not receive the payment which was a lie. They said take it up with the post office ... 

ACCORDING TO THE 9-102. : 3 ) " Account debtor '' means a person obligated on an account, chattel paper, or general intangible. The term does not include persons obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. 


( 28 ) " Debtor '' means : ( A ) a person having an interest, other than a security interest or other lien, in the collateral, whether or not the person is an obligor ; ( B ) a seller of accounts, chattel paper, payment intangibles, or promissory notes ; or ( C ) a consignee.
Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a XXXX XXXX dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ XXXX ) and XXXX credit card ( $ XXXX ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.
Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.
XXXX systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXX contact the data furnisher of this information regarding your dispute. '' This is XXXX way of discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore XXXX representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. XXXX lack of investigation continues to effect me personally and damage my credit report month after month. I demand XXXX to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history
I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.
I closed on a home with a VA loan on XXXX XXXX, 2016. My first mortgage payment was due XXXX XXXX, 2016. I paid my mortgage and extra principal early with a check date of XXXX/XXXX/16. The check was cashed by XXXX XXXX on XXXX/XXXX/16. During the time period from XXXX/XXXX/16 to XXXX/XXXX/16 XXXX sold my mortgage to Ditech. Ditech gave me credit for my payment on XXXX/XXXX/16 and not the original date when the check was cashed. I sent in proof information ( bank statement, copy of the check, etc ) through a link Ditech provided to make Ditech give me credit on the date the check was cashed. However, Ditech said I never sent in the information and said that they would not backdate my payment. I paid my mortgage amount of {$1000.00} plus another {$1000.00} for extra principal. I am XXXX years old and have amortized out paying my mortgage in 10 years. So it is important to me that I get credit for the correct date my check was cashed.
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.
Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business.
NRS has continued to attempt to collect a debt from me thats not mines, I never established a contract with NRS and they are stalling in removing the negative reporting items from my credit reports and they are in complete violation of the FCRA law and my name is being slandered. The are also violating the stature of limitation law in which the debt is not collectable. Account numbers # XXXX # XXXX # XXXX # XXXX, and # XXXX
I 'm XX/XX/XXXX I filed a dispute with XXXX, Transunion, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
The problem is : I am trying to get Chase mortgage company to update their system. I filed for bankruptcy in 2011 and Chase never re affirm the loan. I reopen the bankruptcy case this year for the sole purpose of reaffirming the loan. After months of calling, writing and filing court extensions the reaffirmation was finally done. I want to sale my home, but every time I call to get a payoff they inform me that it will tak e 7 to  10 days because I am still under bankruptcy. I explained to them that my bankruptcy case is closed and that I have a copy from the count showing this. They stated that it will take up to 4 months to update their system. I have inform them that I do n't have 4 months because the underwriter will be calling them next week to get my payoff. I need my bankruptcy case closed in their system as soon as possible.
The original creditor XXXX was removed from credit bureau for reporting inaccurate info. Midland funding continues to try to collect on bad debt.
I was charged {$70.00} in NSF fees by Wells Fargo. These charges were for XXXX debit card transactions that Wells Fargo paid. I declined the 'courtesy pay ' service when I opened the account, but was Wells Fargo opted to pay the debit card charges and assess me XXXX fees. Actual charges were XXXX, Wells Fargo paid it, then charged me XXXX, the other charge was XXXX and Wells paid it, then charged me XXXX. They declined to refund the money even though they verified I am NOT enrolled in " courtesy pay ''.
My issue is that I am having trouble getting to the bottom of a credit alert that appeared in my XXXX account. As a XXXX impacted by the XXXX breach, I registered for this monitoring service. I received an alert, reported by Equifax, that a new XXXX XXXX account was " reported ... on your Equifax Credit Report. '' XXXX provided a phone number to call if I suspected fraud so they could follow up on the alert, but the only automated options available on that phone number were for opening new accounts with them, necessitating a PIN provided by OPM. But, I of course had already done that. There was no way to reach a person to talk to about the reported information and my concern. 
I then called XXXX XXXX to see what I can find out there. I did get to an individual in their credit bureau, but she could not find any account with my name or ss # -- other that an XXXX XXXX card I already have -- and suggested that I call Equifax to get the account information from them. At least I was able to talk to someone there. 
I then called Equifax, and again entered the automated system without any ability to talk to an individual in order to explain my situation. I was, however, able to establish a fraud alert for 90 days, through their automated system, and they indicated they would share the information with XXXX and XXXX. 
But, my concern now is that someone may have indeed opened an account with my ss # and, possibly, other identifying information, and could be creating problems for me. But, without more details on what led to this alert, XXXX XXXX seems unable to follow up from their end. 
Frustrated with not getting any satisfaction with XXXX or Equifax, I tried calling XXXX at various numbers. I was unable to reach anyone, even at the Director 's office ( can you believe nobody answers the phone at the Director 's office? ). Their office responsible for XXXX had no way to contact them either, only providing the XXXX phone number that I had already tried. 
Thanks you in advance for any assistance you can provide in this matter. I have attached the screen shot of the alert from XXXX page.
Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to PayPal. A telephone conversation with a PayPal representative indicated that my PayPal account balance this morning is {$0.00}.
On XXXX XXXX, XXXX, my husband and I hired Attorney XXXX XXXX to help us file Chapter XXXX Bankruptcy. We paid him XXXX from our joint checking account but still owed him XXXX to begin the bankruptcy process. 
We did n't have XXXX to pay him the full XXXX so he advised us to do cash advances on our credit cards, but informed us, " We 'd have to wait 3 months to file. '' Within two days we paid him XXXX in cash, but never heard back from him, nor did we ever go to court. 
All of our debt was paid in full despite the fact we never went to court, and our filing date was illegally changed to XXXX XXXX, XXXX, not the year we filed. 
Not only was the year illegally changed, there 's no case number listed on any of the documents, and the documents were changed to look like a divorce. 
I reviewed my credit report from XXXX, and it states, " We filed in XXXX, WI. '' which is part of the XXXX XXXX, not the district we would have filed in, nor do they have jurisdiction. 
I then reviewed my credit report from Transunion, and the have a XXXX address listed, not the court we filed in. 
Had our bankruptcy been filed legally and we went to court, we would have gone to the XXXX District which is located at XXXX XXXX XXXX XXXX, XXXX, WI. 
Bankruptcy XXXX was committed to cover up my husband 's legal last name, the illegal alias he 's been using, and the years of fraud committed because of his multiple identities.
I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}
On XX/XX/XXXX I filed a complaint # XXXX Re : XXXX charging my credit card a {$50.00} " restocking fee '' for a phone that I bought on XX/XX/XXXX and returned to the same XXXX store on XX/XX/XXXX because it did n't work as promised. On XX/XX/XXXX I got another bill from XXXX advising me that they plan to auto bill my Barclay card for {$25.00} on XX/XX/XXXX. I called Barclay today and disputed this new charge. The case number is XXXX. I have emailed XXXX XXXX disputing both the {$50.00} " restocking fee '' and this new {$25.00} mystery charge. 
I DO NOT have a XXXX account, a XXXX phone, and I DID NOT authorize this mystery fee of {$25.00} or any other charges since the day I returned XXXX 's phone and closed my account, and ended forever my no-contract cell service with XXXX.
I just got off the Phone with Select Portfolio, they informed me that the Mortgage account has been referred to an Attorney for foreclosure. Select Portfolio refuses to accept my Loan Modification request as a Servicer in the State of Georgia they are obligated to. 

Also, this is a XXXX XXXX and I never agreed to this with XXXX XXXX. I was paying only {$120.00} to my principle of {$990.00} and rest to investors Select Portfolio and XXXX willfully delayed my Loan Modification till XX/XX/2018, knowing XX/XX/2018 will be the expired date to stop Banks or Loan Servicers to be mandated to provide a Loan Modification. 

XXXX has taking advantage of me by committing the same mortgage scam that got them in trouble during the Real Estate crisis
On XXXX XXXX, XXXX I returned my XXXX Volkswagen TDI to Volkswagen as part of the TDI diesel settlement. <P/>On XXXX/XXXX/XXXX I asked Volkswagen Credit of America why even though my account is being shown as closed why {$12000.00} is still being shown as an open amount by credit reporting agencies. On XXXX/XXXX/XXXX they sent me a XXXX balance letter an indicated that it would take 30-90 days for the credit reporting to take affect. <P/>The first of XXXX XXXX I contacted the Volkswagen Credit of America Toll Free number and was informed that they would forward to a special credit reporting group and send me a letter when completed. <P/>As of XXXX XXXX, XXXX the balance is still being shown as open by credit reporting bureaus. Since my loan was paid in full on XXXX XXXX, XXXX I wish to show the open balance of my account with VW Credit as XXXX.