WillisBack/dataset-financial-user-claim huggingface dataset:
As the Seller I have been treated horrible, and after 67 days our home still has not closed and we still have no closing date. 

Working with Chase Mortgage has been a nightmare. Our pre-qualified buyer and I decided to use Chase Mortgage Banking since were both Chase customers. However, if we had known in advance of the incompetence, inexperience, lack of professionalism and continuous resubmission of documents, we would not have used Chase to close my home. Every time I tried to personally get information from the lender he said I had to ask the buyer, because he couldnt give me information for privacy reasons. Since when cant a lender give the Seller information regarding the buyers documents status and the closing updates on Sellers home? 

History : I put my home on the market XX/XX/XXXX. The buyer and I signed the contract XX/XX/XXXX. XX/XX/XXXX XXXX XXXX of Chase Mortgage received our contract and said everything looked great and we should be able to close in 35 days or by XX/XX/XXXX. The appraiser came on XX/XX/XXXX and we renegotiated the price based on the appraisers low estimate ( that is another complaint ), with an addendum to our contract. The new addendum was signed and submitted to Chase on XX/XX/XXXX. By the way, per the original contract the approval letter should have been submitted within 5 business days. That didnt happen. Our buyer received her approval letter via mail on XX/XX/XXXX. 

Complaint : On XX/XX/XXXX when I complained to XXXX XXXX, Home Lending Advisor about the lack of communication on updates, changes, documents, closing and response to questions asked, he said not to speak with him and to solely communicate with our first time home buyer for information and feedback in the future. Chase lending has not been responsive to me, the buyer or the Attorneys office with updates or the closing status. After 67 days, no one knows what is going on. Is this how Chase Mortgage trains their lending staff to treat valued mortgage customers, or is this treatment reserved for XXXX and XXXX? 

After selling three homes, Chase lending has been the absolute worst experience. The treatment throughout this process is unacceptable. Every promise Chase Mortgage has made has been broken, without apology. 

This is what I want to happen, immediately. After 67 days with no closing date scheduled or insight, I want to know our exact closing date and time today. I want Chase lending to communicate with me and the buyer directly and have us close as soon as possible, without any more excuses and needless request.
On XX/XX/XXXX, I received a call from phone number ( XXXX ) XXXX, and spoke with an individual who stated that they were calling from a collections agency, Transworld Systems Incorporated, in regards to a XXXX account. However, the caller insisted that he could not tell me any further information unless I provided him with my address or social security number. After refusing to provide such information, the call ended. 

Later that day, I called XXXX directly, and they stated that I allegedly owed their company money but that, because the account was in collections, I was only able to communicate with the collections agency directly regarding the alleged debt. 

On XX/XX/XXXX, I called back the same number, ( XXXX ) XXXX. Again, I was told that I was speaking with a collections company and that if I wanted any further information, I needed to provide them with my address or social security number. Against my better judgment, I provided them with my social security number. 

At that point, I was then told that I was speaking with XXXX XXXX from Transworld regarding account number XXXX. XXXX XXXX stated that I owed XXXX approximately {$400.00} and he was calling to collect said money. I insisted that I was not aware of such a debt and requested that he provide me with documentation of said debt. XXXX XXXX stated that the only information he had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. However, he was unable to provide me with any documents that corroborated the debt. He stated that I should call him back on XX/XX/XXXX, so he could retrieve documents from XXXX. 

On XX/XX/XXXX, I again called Transworld and spoke with XXXX XXXX. He repeated that his company could not provide me with any documents regarding the debt and, interestingly, that his company was no longer willing to accept money from me because they could neither confirm nor deny that I owed XXXX money. He again stated that the only information that Transworld had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. I recorded this phone call. 

On XX/XX/XXXX, I received a call from Transworld stating that they no longer had my account from XXXX and would seize their collections efforts. 

I never received any documents of any kind from Transworld regarding the alleged debt.
I have recognized hard inquiries on my credit card, which i did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer of credit. Hard inquiries by these companies on these dates was not authorized : *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  XX/XX/XXXX *XXXX XXXX XX/XX/XXXX*XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
I just got a letter from Radius Global Solutions LLC. They are stating that I owe an amount of {$760.00} from a XXXX XXXX XXXX. The truth is I never had credit from XXXX XXXX. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.
There is a account that is listed inaccurately on my credit report for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Experian and  XXXX  have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   XXXX   XXXX . I have attached a copy of the  Court Record. There is a error please Delete the misinformation.    Th is is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section
XXXX XXXX reported me as having late payments. I disputed the info but XXXX XXXX was being bought out by XXXX, so nobody verified it correctly. I now have a letter stating the info is incorrect and the Transunion site is stuck on the submission page. I can not submit my dispute again to them. Furthermore, they 've repeatedly come back saying the info is accurate which is impossible. They have a history of doing this. I 've proved them wrong several times.
I disputed XXXX inquiries that were not mine. I had never applied for credit, insurance, employment with any of these companies and had no business dealing with any of these companies. Equifax refused to investigate simply stating they are factual records and to contact the companies who pulled my reports without consent. NONE of the XXXX companies would respond to me. Equifax had a duty under Federal law to investigate, yet failed to do so placing the burden on me.
I have attempted to correct this error on my XXXX XXXX XXXX account for over a year. I have paid all outstanding balance on this account but they refuse to remove this data off of my record. Two years ago, we had canceled the service and paid them in full. They still have on record that i owe {$100.00}, which is incorrect.
My complaint is about Paypal. I have had an account with them for many years and, recently, they decided that they would limit my account. I do travel through a company called XXXX XXXX XXXX XXXX ( XXXX ). They pay me as a contractor but, I do n't have to setup my own business. However, they do provide me a website page and I was trying to draw people to that page via facebook. As a result, Paypal decided to setup my personal account as a business account and requested information from me. I submitted the address verification however, the link for the business submission did not/does not work. I called Paypal about this problem and they told me to just submit the proof of address and ID information, which I did. They said that my limit would be removed within 24 hours of sending that information. It has been weeks. I have n't been able to make payment via their site and my bills which I had paid through Paypal had to be setup with credit cards. Therefore, their account is no longer useful to me. I have requested that they close my account so that my personal information is not on a site which I no longer use. They have told me that I can not close my account while it is limited. However, I can not get it out of limited status even with phone calls, emails, and doing what they ask. How is this company able to hold my personal information ( SSN, credit cards, bank account information ) without my permission? I just want the account closed and to no longer do business with them. Case ID Number : XXXX
XXXX XXXX is reporting a debt on my XXXX, XXXX, and XXXX reports which the have not provide sufficient information and documents showing that I legally owe the debt and that the can legally collect the stated debt. I have sent disputes to them but the keep responding by stating debt is valid without providing any proof of what they are verifying to show account belongs to me ( original contracts bearing my signature, account histories, legal right to collect the debt ). The are in severe violation of FCRA laws their refusal to validate debt is mine and continuing to report this damaging, derogatory, and defaming accounts to the credit bureaus without any documented proof that this account is mine or the have the right to collect from me.
I attended XXXX XXXX in 2012 and they did n't not tell me that I was signing up for student loan, i was first to get my XXXX which I never did. So I got charged for a student loan that I never finished or even got a XXXX, and they signed me up for college! Now I have a XXXX debt on credit score for something that 's was not explained to me. If I new that I would have never sign.
Arrangement Department Direct Recovery Services XXXX XXXX XXXX Multiple calls to family members and people at my old address which I had not phone number on file with Leaving long messages in detail about any debt I owe, and calling at all hours of the day. Screenshot of friend who received a very long and detailed message at my old address.
Over 18 months ago, I secured a WALMART Credit Card - solely for the purpose of purchasing a mobile phone for my son. WALMART always notified me -by email- of the monthly billing. THEN in XXXX 2014 - WALMART STOPPED PROVIDING ANY EMAIL NOTICES ( about pending bills or paid bills ). WALMART SOLD THE CREDIT CARD BUSINESS TO SYNCHRONY. I HAVE ATTEMPTED TO GET AN ANSWER FROM BOTH WALMART AND SYNCHRONY ABOUT THEIR FAILURE TO SEND THE EMAILS. NEITHER EVER ANSWERED. I BELIEVE THAT THIS IS A DELIBERATE ATTEMPT/SCHEME BY WALMART/SYNCHRONY TO DECEIVE THE AMERICAN CONSUMER - MOST CONSUMERS RELY ON THOSE EMAILS NOTICES TO MAKE TIMELY PAYMENTS OF THEIR BILLS. SO WALMART/SYNCHRONY ARE DELIBERATELY REFUSING TO PROVIDE EMAIL BILLING NOTICES - SO THEY CAN BILL AND COLLECT DUBIOUS LATE FEES FROM XXXX CONSUMERS.
I received a notification on XXXX by a letter dated XXXX to appear in the Magistrate Court of XXXX County for Civil Action Number : XXXX. - LVNV Funding vs. ******* ( Last Name is misspelled on action ) The letter states that I need to appear in court on XXXX. I do not owe LVNV Funding and do n't know what the debt is. Many years ago I closed several credit cards and in XXXX went through a personal bankruptcy where all debtors were paid in full from the proceeds of a major personal injury lawsuit recovery in XXXX.
I have notified Equifax that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.
I received a bill in the mail from American Medical Collection Agency stating that I had an unpaid bill from XXXX XXXX XXXX. They said the bill was from XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have never received an initial bill from XXXX. This company, that goes by the name AMCA, is threatening to take further action which will hurt my credit score. The letter they sent says that the amount they are trying to collect was n't included in my initial invoice. I should n't have a final notice from a 3rd party collector if I 've never received an initial invoice from XXXX. This seems to be a fraudulent company.
I contacted Equifax and XXXX via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that Equifax and XXXX both verify their public records data with. Somehow, Equifax and XXXX claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both Equifax and XXXX have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by Equifax and XXXX within the last 3 months to which XXXX was unable to find any record of these companies doing so.
On my Transunion credit report - the service has the following accounts listed that have nothing to do with me. I have not authorized anyone to use my name to acquire credit from these companies. I have been in a XXXX from XX/XX/XXXX until XX/XX/XXXX. I have had many problems with identity theft during my absence from the XXXX. I am trying to clear up the discrepancies. 
XXXX XXXX - ( Closed - Derogatory ) XXXX - ( Closed-Derogatory ) XXXX XXXX - Closed -Derogatory ) These accounts are not my debt, not my responsibility.
I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name
I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.
My son, XXXX XXXX XXXX attended XXXX XXXX XXXX and received his degree in XXXX. I co signed on the loans with him. He paid on his loan with Wells Fargo without missing a payment when he had his first job. Then he moved to XXXX XXXX and was in the process of finding work. We took a forebearance for about 5 months. As soon as he got back on track he began paying his loan again. We requested that I be removed from his student loan obligation, and I was told that since he took the forebearance, we no longer qualify for me to be removed. He has been making payments for over a year now in good standing and they still will not remove me as a cosigner. Please let me know what information you require to research. 
Thank you. 

XXXX XXXX XXXX
What Compliant? 
XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? 
Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. 
What Happened? 
( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms.

What Company? 
LexisNexis ( R ) Who is Involved? 
LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.
XXXX XXXX and TransUnion have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.
My bank account was withdrawn {$12.00} for fees for using a non Huntington ATM. This charge happened weeks after I actually used the ATM. They quickly charged me more and more overdraft fees of ridiculous amounts. I spoke to a customer service agent who told me that as long as I made my account positive by XXXX XXXX, they would refund me the overdraft fees. I did this BEFORE XXXX XXXX and they refused to honor their word. In my eyes they lied to me and stole my money. I should not have owed them {$200.00} for a {$12.00} charge in the first place. They also refused to honor their word when I made a payment promise to them. I was told I would have {$60.00} in my account after the fees were removed, which did n't happen. The customer service agents were very rude and unprofessional and refused to help me.
I have a mortgage currently with XXXX, they held the mortgage for one year and I received notice in the mail yesterday my mortgage is being transferred XX/XX/XXXX to PNC Mortgage. I read that I need a 15 day minimum notice before transfer. The letter was dated XX/XX/XXXX, and I received the letter only yesterday in the mail, XX/XX/XXXX. This leaves only a 5-6 business day notification ( or max 10 business day from date of letter ) of my loan transfer. I am also trying to settle my escrow account with XXXX for XX/XX/XXXX year. I do n't think I have been given sufficient notice, and, also, the letter did n't enclose a payment voucher for new payments to be sent to PNC Mortgage, which means I would have to send my payment to XXXX until I receive my new mortgage statement. I know legally I have a 60 day window for payments between transfer, but I still think the transfer notice is very, very late.
I received a 0 % rate on promotional checks from Chase credit card. I used {$530.00} to write myself a check and deposit to our XXXX account to buy a powered bed base for my XXXX  XXXX. After I bought the item, Chase blocked my XXXX  XXXX XXXX the funds coverage, so XXXX  XXXX XXXX just took the funds out of our bank. Chase 's reason was because the checks they sent didn't match the chase card #. The reason it didn't match is cause they're always sending a new card out, but it's still all on my account. Their final reason : that promotion is not offered on the new card ... .even though it's NOT a new account, just a credit card issued with different numbers. So I knew they got me, I used the {$530.00} then they backed out of paying for it even though they knew the new credit card was still using the same account. XXXX   XXXX always updates our cards, and occasionally sends us promotional checks, but they never gave us a lame excuse the checks did not qualify for the promotion just because the debit or credit card numbers changed! I'll be reporting them to the Federal Trade Commission as well, pay off the account, and close them.
My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XXXX XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
I made a deposit to my husbands bank account in XXXX XXXX from my citibank account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by Citibank. I have the cancelled check and statement reflecting this. Yet, the bank in XXXX XXXX claims the funds were not released from Citibank and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00} and neither bank takes responsibilities for this. 
I suppose I would have to submit a complaint on both banks as Im not sure where the error lies ... I am attaching copies of cancelled check, and both bank statements referencing the situation,
I sent experian a dispute letter via certified mail with return receipt along with a copy if my drivers license and social security card. They refused to reinvestigate my credit dispute. This is my second attempt.