WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2014, I contacted XXXX just to inquire general information on obtaining a mortgage. I made it more than clear, I was just looking for information and not ready to take action. The representative on the phone told me he would run a SOFT inquiry on my credit and that it would not affect my score. He ran my credit ( and my wife 's too ) and later that week, I see it was indeed ran as a HARD inquiry. I called and wrote asking for the audio from the call since I know they are at times recorded. I NEVER gave XXXX any permission for a HARD inquiry and I would not until I was at the stage to actually purchase a home. I feel tricked and manipulated by this company.
Citibank sent a automatic quarterly payment of {$1400.00} to my homeowners association. The check was cashed by a fraudulent third party. Citi paid someone not my homeowners association. I had to send another check to make good on my debt. I have asked citi to put the money back in my account since it was their error to pay a fraudulent third party with my money. they have responded by telling me they have to investigate. They have sent multiple documents to fill out. This is now going on 7 weeks that I am out {$1400.00} with no end in sight for their error.
Citibank Visa, in its partnership with Costco, opened a Citibank Visa account in my name, using information from a previous, closed Costco XXXX account. I did not request or authorize the new account, nor do I recall ever receiving a card. I certainly never activated or used it. This week, I received a first statement showing an overdue balance comprising the original membership fee, plus a late fee and interest accrued at an annual rate of about 24 %. I contacted Citibank Visa and, ever several escalations and arguments, obtained their agreement to close the account and erase the interest and penalties. I have also demanded that Costco refund the original {$100.00} membership fee to the closed visa account, to ensure a zero balance. 
My concerns are twofold : First, I am worried about possible adverse impact on my credit. Second, and more broadly, I suspect that Citi and Costco may be engaging in practices similar to those adopted by XXXX XXXX : opening unauthorized, unwanted accounts to generate spurious revenue from unsuspecting consumers. I hope you can determine whether this incident is an aberration, or part of an abusive pattern. Thank you for your attention to this matter.
When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
There is an account listed on my Transunion credit report as XXXX XXXX XXXX XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Transunion has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.
I submitted a request to coinbase.com on XX/XX/XXXX for help with my account. They got back to me on XX/XX/XXXX saying that A support member would be in contact with me to fix the issue. In the mean time I called twice and waited 2 hours on the phone with an operator only for them to tell me they couldnt help me and to wait for an agent to respond to my email. They even told me I would be put on the priority list. I continued to email them 5 more times since XX/XX/XXXX until today. Still havent heard a single word regarding my complaint. This has caused my funds to be unnattainable for over a month in a market that moves every hour of every day.
On XX/XX/XXXX XXXX sent a misleading email stating that we were 2 % from our companion pass. This email induced us to spend money on the chase card ( which is how wed earned the overwhelming majority of our points in 2018 ). The email did no state that spending on the chase card between XX/XX/XXXX and XX/XX/2018 would add 0 qualifying points toward the XXXX companion pass. Furthermore, on or about XX/XX/2018 I called XXXX and spoke to a representative who confirmed multiple times during the conversation that {$1.00} spent on the chase card = 1 point toward my companion pass. The southwest representative understood that I was referring to the 2018 year for the companion pass. XXXX thru the email they sent on XX/XX/XXXX and the phone conversation with their representative on or about XX/XX/XXXX misled me, the consumer, in such a was that induced me to spend over {$4000.00} on the Chase card between XX/XX/XXXX and XX/XX/XXXX. Had I not received the email from southwest I would not have acted in the way that I did. XXXX misled me, to the benefit of Chase. I can provide the email and subpoena the phone call with XXXX from XX/XX/XXXX as evidence supporting my claim.
XXXX XXXX refuses to remove an account from my report even though the reporting company ( XXXX XXXX XXXX ) has agreed the information should be deleted and has submitted a request to all 3 agancies to do so. I have disputed the item multiple times but XXXX XXXX refuses to correct the problem. 

The other bureaus have already deleted the item.
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
There is an enormous disparity between my actualbcredit score & the one XXXX  , XXXX  has provided. This has caused the rate on my car loan to be higher than anticipated.
i deposit my money on friday and on saturday money desapire i ask the bank an they told me they dong know
On XX/XX/18, I initiated a transfer of {$2300.00} from my Chase checking account to my XXXX checking. Unbeknownst to me, XXXX had closed my account before the transfer went through. However, the money was not credited back to my Chase account and is currently lost. XXXX tells me my problem is with Chase and Chase tells me my problem is with XXXX. I have spent the better part of 6 weeks shuttling between Chase and XXXX and spending countless hours on the phone. Neither bank is taking this half as seriously as I am so I needed to do all I can to get a resolution.
On XXXX/XXXX/16 at XXXX, the Chase ATM XXXX ( located at XXXX XXXX XXXX, XXXX, New Jersey ) absorbed my check in a total amount of {$2100.00}, which I was depositing into my Chase bank account, without crediting {$2100.00} into my Chase bank account. The ATM machine did not display the check image on the ATM screen and did not credit my {$2100.00} Check deposit into my Chase Bank account. Most of all, due to the ATM Machine experienced technical problems, my deposit of {$2100.00} check did not go through this ATM machine successfully on XXXX/XXXX/2016 at XXXX. I observed that the ATM machine made some noises and beeps after my check was taken by the ATM, then the ATM machine was shutting down after a receipt was printed out and the system reboot itself, then stated " the ATM has experienced a technical problem '' and my {$2100.00} check was still inside the ATM Machine. I made a claim immediately on XXXX/XXXX/2016 at ( XXXX ) XXXX at XXXX and the Claim number is XXXX and Chase Executive Office Case number is XXXX. On XXXX/XXXX/2016, I went to the Chase Branch that has the broken ATM Machine ( ATM XXXX ) in person and spoke to the Branch Manager about this incident, the Branch Manager told me that they were not able to do anything since I filed the claim with Chase Claim department and got temporary credits. The tellers at this Chase Bank Branch located at XXXX XXXX XXXX, XXXX, New Jersey encouraged me to use their Chase ATM for depositing and now the ATM Machine is broken when I made my deposit. 

I am very concerned about the processes of researching/investigating that Chase Claim Department is currently using to handle this ATM technical problems. Chase is not doing this in a timely fashion. I appreciate the upfront temporary credits in a total of {$2100.00} given by Chase bank, however, it is not permanent and subject to return in case if JP Morgan Chase Bank is unable to find the {$2100.00} check that I deposited on XXXX/XXXX/2016. I am quite worried about this situation. It would cause me headache and ample time and energy to resolve the problem that was actually caused by the broken Chase ATM machine. It appears to me that JP Morgan Chase Bank takes their time for doing their research / investigations that I could not stand. As I have found out personally, the Chase Claim Department simply do not track any progresses of the claim and could not provide me with any concrete updates over the phone from any claim specialists ( junior to senior ) - it is helpless and hopeless! The timeframe is given to me with inconsistence answers from different claim specialists ranging from XXXX48 hours, to XXXX2 weeks, to XXXX XXXX deadline ( over a month ). The Chase Claim Specialists are not able to tell me why they take so long to research / investigate. 

Here are some online postings that I have found via XXXX Search Engine : Chase ATM Technical Problem - Online postings from the Chase Customers and their awful experiences. I am not sure if Chase has improved since these complaints from the Chase Customers posted in the last several years. 

[ XXXX XXXX XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX XXXX
History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XX/XX/XXXX with a three year ARM. In the summer of XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agents address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX in the spring of XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed in the fall in XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the LIBOR index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XX/XX/XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX, XXXX and XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : Shellpoint Mortgage Servicing has not updated our account information reflecting the servicing error they reference in their letter dated XX/XX/XXXX. We are requesting that Shellpoint Mortgage Servicing provide our correct loan balance. 

Thank you for time and consideration.
Equifax has mishandled my information, did n't notify me of their data breach, and now has cost me several hours, my money ( to freeze my credit reports ), and will continue to cost me money and time in the future to monitor my credit. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXXTel : ( XXXX ) XXXXTo Whom It May Concern : For the account referenced in this dispute, I was never notified of the debt or sent any request to pay it. Additionally, I have been trying for the last two weeks to reach a representative from Alliance One but all of their phone numbers go straight to a busy signal and I 've tried to reach them with no success. 

It seems many others have similar complaints XXXX pay all my debts I 'm happy to pay this balance ifa ) I get a letter or statement about what it isb ) A chance to pay itI do n't understand why a collection agency would avoid communicating about a debt they 're trying to collect, but based on what I 've read online about the company, I 'm thinking it 's some type of scam. 

Thanks for looking into this, XXXX XXXX
I wrote  XXXX ,  XXXX , and Experian in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd part y is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
I had previously said that those account was identity theft, they not mine. please remove according to the law.
I opened a credit card account with discount tire and they were supposed to debit my account each month but did not debit the account one month after my payment was increased only by {$15.00} and reported the account past due tarnishing my credit score.

I need for discount tire to report the account accurately due to no fault of my own ;
I received a letter from Transunion dated  XXXX   XXXX ,  2017  stating that they have verified  a Public Record  of Bankruptcy. I sent a letter to Transunion in response to them on  XXXX   XXXX ,  2017 . I stated in the letter that I would like for them to show me proof of their verification, and any documentation bearing my signature. They have not done that. They have sent a letter dated  XXXX   XXXX ,  2017 , stating that they have verified the public record, and updated the information as well. THIS IS NOT WHAT I ASKED FOR!!!!! They do not state where the information was obtained, and if it was not obtained from  the Court, this needs to be removed ASAP!!! I will be sending the Attorney General a letter, along with reporting Transunion to the BBB as well. This is defamation and fraud.
I receive XXXX for my son on the XXXX. On XX/XX/XXXX I went to the atm to take out money. The machine said I was exceeding my balance so I checked online. Noticed that someone in XXXX had withdrew XXXX $ from my card. I had my card the entire time. So I contacted direct express immediately. Filed the claim for fraudulent transactions. They told me I needed to write a letter or wait for their paperwork and send it back. I decided not to wait and sent out my letter on the XX/XX/XXXX which the confirmed they received on the XXXX. To this day of the XXXX I have yet to receive their paperwork. I call them everyday and all they tell me is I have to wait for them to complete the investigation which will take 45-90 days to receive credit. I am being evicted from my home as this is my only income. I have done everything they have asked and no credit. They also charged me for a new card which is n't fair since I have my old one and charged me shipping.
VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified. 
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.
I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.
I called multiple times to have a graduated repayment plan started. I thought that it had been started when I received a statement the next month for the full amount. I called again a few weeks ago and was told that everything was all set in the system again and I was put on the graduated repayment plan. No such luck. I just received the latest monthly statement with the full amount due.
Discover Card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$11000.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Green Tree {$12.00} service fee, force placed insurance on my condo for {$5000.00} per year, I bought a new policy and they wo n't lower my payment nor give me a payout or any paperwork. My mortgage went up from {$600.00} per month to {$900.00} I owe XXXX and my appraisal is at {$20000.00}
Rushcard took my money didnt allow me access to the internet or funds. I called ay least XXXX times anf could not get thru. When i did i was lied to repeatedly saying it was gon na be fixed soon. The stress has been undeniable
In XX/XX/XXXX I sent a letter to XXXX XXXX requesting that they Validate NOT verify a debt that they are attempting to collect from me. Not because I was notified of any debt but because I saw it on my credit report however, I never received a response. As a result, I disputed the account with all three credit bureaus several times might I add, and each time I received a response of account verified as accurate and/or " meets requirement of the fair credit reporting act '' with no supporting documents. This was found not to be true when I finally received a letter from XXXX XXXX with a billing statement attached in XX/XX/XXXX stating debt is valid, attached is verification of the debt ''. A billing statement does not prove that this is my account/debt nor I am obligated to pay them. In addition to that I walked inside of a XXXX store and asked would they be able to provide me with a signed copy of an original contract and was told no they could not. I would have to contact the creditor on my credit report and they could not provide me with any proof that no such account did or did not exist or of my inquiry. XXXX XXXX is reporting delinquent information to the credit bureaus that I am asking to be deleted.