WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited what turned out to be a fraudulent check drawn on Wells Fargo Bank by mobile deposit to my savings account at Wells Fargo on XX/XX/2017 at XXXX Pacific time for {$2400.00}. They gave me full availability of the {$2400.00} on XX/XX/2017 at which time I withdrew {$2200.00} and Wells Fargo then charged back the deposited check on XX/XX/2017 creating an overdraft in my account of over {$2000.00}. A Wells Fargo representative explained that they do not process mobile deposits until late the night one banking day after the deposit is made due to a Federal Reserve Bank regulation. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now the bank wants me to cover the overdraft. I am a XXXX and do not have the money. The fact they wait a whole banking day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this self-imposed delay. Also, the Uniform Commercial Code ( UCC ) 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by the midnight deadline, they lose the right to dishonor the check UCC 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XX/XX/2017 at XXXX Pacific Time '' and my account statement shows the deposit under the posting date of XX/XX/2017 so they obviously processed some part of the transaction on XX/XX/2017 in conflict with their stated practice of waiting one banking day. Therefore, under UCC 4-301 ( b ), the deposited check drawn on Wells Fargo Bank should have been returned and charged back under the posting date of XX/XX/2017. It was not. The charge back is posted under the banking date of XX/XX/2017.
I filed an dispute with Transunion on XXXX XXXX XXXX, and XXXX XXXX XXXX and advised TransUnion that the following hard unauthorized inquiries were not initiated by me and the creditors did not have an permissible reasons to place these unauthorized hard inquiries on my file. I requested that TransUnion provide my authentic signature for these unauthorized hard inquiries or delete these authorized hard inquiries deleted of my file. 
file. Transunion never responded to my disputes. 

XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX via XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX - XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX
Barclaycard credit card company allowed a fraudulent charge to remain on my credit card account. I never received anything from the merchant XXXX Please refund my {$1000.00} on XXXX/XXXX/15 I 'm requesting resolution from Barclaycard Thank you
I have contacted this company and requested they provide some type application or security agreement that I completed to show how this account was initiated. And they will not provide it. They keep saying that the company confirmed a name and address ; and provided a bill that does not have my address on it.
I applied for a discover card in XX/XX/2018 with a zero percent interest rate for 12 months. For the last 2 months I am now being charged interest. I spoke to several people at discover who were not helpful in getting this resolved.
On XX/XX/2018, I disputed for the second time, a collection account with XXXX and Experian   being reported on my credit report by XXXX XXXX XXXX. On the second request, the account was found inaccurate and deleted by Experian, but XXXX reported it " Verified/Updated ''. On XX/XX/2018 I notified XXXX XXXX of the inaccuracy found by Experian and asked them to either provide documentation of the verification they received or delete the account as well. 

On the XX/XX/2018 update from XXXX, the account with XXXX XXXX XXXX was reported back " Updated '' with no changes to the account, but not " verified ''. This account is still reporting on my credit file. 

The same issue has occurred with Experian. On the same dates as above, I disputed XXXX XXXX account with XXXX  and Experian. XXXX XXXX responded the account was unverified and deleted it. When I notified Experian of XXXX XXXX findings and asked them to comply, they also reported the account verified and updated on their next updated on XX/XX/2018.
On approximately XX/XX/2018, I received a pre-approval letter for a XXXX credit card from chase. I filled out the information online. I entered an invitation code included on this letter. I submitted the application and was told that chase needed to get more information on my application. Today, XX/XX/2018, I received a letter from chase informing me that my application was declined for the following reasons : Your credit report reflects charge-offs or bad debt. 
Credit report shows delinquency or public record. 
Charge of history on one or more credit cards Average age of account is too short. 

1. No charge-offs are present on any of my credit files. 
2. No delinquencies or public records are present on my credit files. 
3. Again, no charge-offs are present on my credit files. 
4. My credit reports all show a 12 year credit history. How exactly is that too short? 

I have had a checking account with chase in good standing for the past two years. Each month without fail, chase removes {$12.00} from my account, yet provides me no service. It is hard to deal with a bank which refuses to assist me in any way.
Hello, I have attempted now 5 times to get these creditors ( national credit systems ) to provided me with evidence that i have lived in XXXX Arizona. Provide me with a lease and my drivers license. I have Filed a complaint with CFPB and there response instead of validating was asking me to submit documentation to them?!! The funny thing is if you have debt for me for an apartment you should have the following documentation Lease, Drivers license, and signature on lease, you have a debt that you are reporting as {$13000.00}. The apartment I 'm sure has probably been leased again which the amount owed is also incorrect. I have not said this is my debt but i have even sent a letter offering to pay a little for your company to delete, which you never responding to that! I will like for you to find documents if not delete from my credit file as this is defamation of my character!!!! I live in XXXX XXXX, La and have for now 6 years!! The law here and remedy here is you can not collect debt after 3 years here, also provide me with your company license to collect debt in the state of Louisiana. I here by demand you provide me with proof of this debt not a letter telling me its my debt. thanks XXXX
In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL.
Experian has shown a deletion before dispute of what may be my social security number. They show the last four digits. They also refuse to remove a fraudulent address. In addition, within the last year they have fictious information saying a business named XXXX XXXX pertains to address of mine which is fraudulent.
I paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should be removed.
There are so many issues with Experian and they are all recent and I do n't know why they are appearing on my credit report. I am in the process of applying for a mortgage and have been watching my credit reporting, paying off accounts and making sure my credit reporting is accurate. Most of these issues occurred in the past week and has greatly low my score. 
There is an issue of XXXX of my accounts being paid late in the past two months. All of my accounts have been being paid consistently for the past 6 months or more and have not been late. I have no knowledge to which this is referring to. 
XXXX XXXX XXXX concerning my account is not in dispute and has been paid off and I am in compliance with their terms. I have paperwork to prove it. 
My XXXX charge account ofXXXX has been paid in full and has no deliquency on it at all. It is being reported as a question mark. Needs to be reported paid in full! 
My score has seriously been lowered it the past week and I have no explanation as to why. 

I am applying for a mortgage right now and need to have good scores as I do with XXXX and XXXX. I have no clue why my score keeps going down with Experain. There are no explanations for this. Thank you for your help.
XXXX on XXXX/XXXX/17 obtained a copy of my credit report without my consenting. I want this off my credit report.
On XX/XX/XXXX I rec 'd a letter from XXXX XXXX Assistant VP of SunTrust Bank, where she lied once again about my XXXX score on XX/XX/XXXX. The score verified by XXXX was XXXX on that date, yet XXXX continues to lie and say it was XXXX. She blames a screenshot I provided supposedly from XXXX XXXX. I am asking XXXX XXXX to provide ALL documentation that SunTrust rec 'd on XX/XX/XXXX with the credit score she is currently still LYING about to me and to the CFPB. 
Furthermore I do hope the CFPB can see this continued lying and lack of disclosure XXXX XXXX is using in an effort to pass this off. She is lying, Suntrust has lied and has tarnished my Credit Score into something it is not. 
I am asking XXXX XXXX to submit the XXXX report to me as she stated with a date of XX/XX/XXXX showing my score was XXXX as she stated, or admit she has lied.
I have defaulted on a student loan from national collegiate trust which was being paid via XXXX XXXX XXXX XXXX XXXX XXXX refuses to provide me with the contact information for XXXX XXXX XXXX and sent the defaulted loan to SIMM ASSOCIATES. SIMM ASSOCIATES continues to harass me about the defaulted loan demanding I pay the full $ 41K immediately and I have no means. I have requested, via certified mail that the debt be validated and I receive information on the original creditor of the school loan and SIMM ASSOCIATES has failed to do so but continues to call. All I am doing is trying to validate the debt as what SIMM ASSOCIATES is trying to collect on is not what I have in my own personal records. I would also like to settle and work with my original creditor on this issue. SIMM ASSOCIATES continues to use harassing practices while calling me at work, fails to send proper documentation, or says they have sent the proper documentation and I have yet to receive any information.
First and foremost i am extremely upset on the decision Chase has given me. My card was stolen from my possession and during this whole month period chase did n't alert me when my card was being used in another state. Approximately 6 to 7 hours. The total that they have used is about XXXX dollars. I contacted the merchants and spoke with multiple managers in which they say that the signature is in a females name on most of the transactions. Lastly, chase does n't want to refund me because of inconsistent information. While most of these transactions happened during my instructing religious class, which was 7 hours away from me.
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. Transunion and XXXX   has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.
Eight years ago I had to file a bankruptcy. I have worked REALLY hard to get my credit score over 700. In fact, I was able to purchase a house. First, I thought a bankruptcy was only supposed to be on your credit report for 7 years. Second, I thought having a great credit score and also paying every bill on time for the last 8 years there would be no problem in getting a credit card. ( and, I might add, increased salary as well ) Recently, I tried with XXXX. Denied - one derogatory mark - bankruptcy was what the reason was. Next, I wanted to get a credit card with the bank I am using. Again, denied. And I told the bank manager who helped be complete the application that I could bet money I'd be denied but thought I'd try one more time. I feel abused and penalized for something that has been dealt with and no longer should exist on my report. Now, if I must wait for 10 years, okay - not real happy about that but what does the little person have to fight the giant with, right? I hated to have to file bankruptcy and tried everything I could think of not to have to do it. I've decided not to let this " bankruptcy '' determine my happiness, but it really is not nice having to be denied when that was a long time ago. Please help me. Thanks!
There is detailed information on two of the accounts that I've been disputing with all three bureaus. Under the FAIR credit reporting act ( 609 ) it states that if the information being reported isn't accurate, complete or verifiable it must be corrected or deleted. There is a collection with XXXX XXXX XXXX XXXX that's been reporting inaccurate information, plus I'm not aware of this crteditor either. The XXXX/XXXX account isn't reporting accurately higher and I need them to correct the late payment that's holding me back.
There is a lot of inacirate data still on my report, XXXX XXXX had another company come after me and I sued them and we settled out of court. This should not be on my report anymore because of the settlement, XXXX funding was a company that I sued under the FDCPA and settled out of court and this needs to be removed, I signed an agreement stating that I would not show the settlement to anyone. XXXX XXXX XXXX hired XXXX XXXX and they should be removed because of settlement terms, I have never had a XXXX XXXX account, portfolio recovery has never shown me proof that I owe something, never had a reeds jewlers account nor have I been shown any proof, and any other items on my dispute list are not my accounts not have I been shown defenative proof. I am unable to send settlement documents because of a signed agreement but XXXX XXXX XXXX, XXXX, and XXXX XXXX all need to be removed due to settlements. All other disputed items, I have been shown no signed documents. The credit agency is supposed to remove incorrect information and has refused to do so.
My Paypal account had fraudulent activity, XXXX unauthorized charges, on XXXX XXXX. I immediately disputed all XXXX with Paypal. They submitted all XXXX charges to my bank account sending it overdrawn with multiple overdraft fees. XXXX. Regardless, XXXX of the XXXX charges have been resolved in my favor and refunded. XX/XX/XXXX is still unresolved at Paypal, since XX/XX/XXXX, it 's now XX/XX/XXXX, and they say that it should have been " resolved in 10 business days ''. Repeated emails have not resolved this case.
I refinanced my mortgage XX/XX/XXXX due to XXXX not completing my refinance in XXXX yet I have been paying Chase since XXXX XXXX XXXX XXXX called and said that they need to be the originator again to fix the previous refinance. As of today XX/XX/XXXX Chase has not closed my account with my home loan and is calling to collect payments. XX/XX/XXXX I am supposed to be paying XXXX XXXX based in XXXX. 
How can there be two loans on the same property? 
I need them to close my loan so that it does not go into foreclosure and affect my credit. 
Somewhere between Chase and XXXX they lost communication.
I APPLIED FOR HARDSHIP ASSISTANCE AND TRIED TO MAKE MY PAYMENT SEVERAL TIMES, MY PAYMENT WAS DUE IN XX/XX/2018 I MADE MY MORTGAGE PAYMENT AFTER STRUGGLES OF TRYING TO MAKE IT WITH SPS. AFTER I FINALLY GOT A HOLD OF SOMEONE ON XX/XX/18 WITH SOME HELP THEY INFORMED ME TO WIRE FUNDS TO THEM WHICH I DID AND I GOT MY CONFIRMATION. I WAS THEN TOLD THAT I WAS STILL DELINQUENT AND THAT I TELL MAKE MY FULL PAYMENT, THEY REPEATED BACK TO THE AMOUNT I MADE WHICH WAS {$900.00} AND THAT IS WHAT THE APPROVAL SAYS. HOWEVER THEY ARE STATING THAT THEY CANCELLED IT OUT DUE TO NON-PAYMENT. I AM SO FRUSTRATED WITH FIGHTING WITH SPS TO GET APPROVED NOW I AM APPROVED AND THE LENDER IS NOW FIGHTING ME ON TAKE THE FUNDS FOR MY APPROVAL. 

FHA GUIDELINES ARE VERY EASY TO FOLLOW EVEN IF IT IS 1009 PAGES, IT IS APPARENT THAT IT IS NOT SPS POLICY TO BE KNOWLEDGEABLE WITH THE GUIDELINES FOR THE INVESTOR AND THE LOANS THEY SERVICE. FOR THE MANAGERS AND THE EMPLOYEES IN THE LOSS MITIGATION DEPARTMENT I HAVE WENT THROUGH FHA GUIDELINES AND HAVE POSITED BELOW SO YOU CAN SEE THE GRACE PERIOD FOR ALL TRIAL MODIFICATIONS IS THE FULL MONTH IT IS DUE, NOT ONLY ARE THEY NOT FOLLOWING FEDERAL REGULATIONS ON MY FHA LOAN WITH THE PAYMENT. I WAS ALSO SUPPOSE TO SIGN AN AGREEMENT WHICH WAS NOT SENT TO ME, I ONLY RECEIVED A ONE PAGE APPROVAL.

FHA GUIDELINES : ( b ) Trial Payment Plan Failure The Borrower has failed the TPP when one of the following occurs : the Borrower does not return the executed TPP Agreement within the month the first trial payment is due ; the Borrower vacates or abandons the Property ; or the Borrower does not make a scheduled TPP payment by the last Day of the month it was due.
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 for it to appear in 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 reports with XXXX, XXXX, and Experian. The Bankruptcy identification number is : XXXX XXXX Bankruptcy Court XXXX, Georgia XXXX
I utilized XXXX XXXX 's services during a trip to New York during the dates of XX/XX/XXXX to XX/XX/XXXX. During the trip, I incurred an additional cost due to tolls, when I did not opt-in to their toll program. However, during the vehicle drop off, I was told that no such costs were incurred and I did not owe any additional money other than what was originally agreed upon. I received a receipt for the agreed upon amount that I paid. 

2 months later I received a bill from a debt collection agency for those tolls costs. XXXX XXXX never attempted to reach out to me to get me to pay the fee. It was immediately sent to debt collection with Viking Debt Collections, and because of it I took a serious hit to my credit score. My contact information was available to XXXX.
XXXX XXXX XXXX this company keep calling I do n't know who they are calling for I have ask them to removed my number and they are still calling they have been calling since Monday XX/XX/XXXX @ XXXX XXXX, Tuesday XX/XX/XXXX @ XXXX, Wednesday XX/XX/XXXX @ XXXX XXXX, I have returned a called and told them to remove my number but all they did was call from a different number. the following numbers they have called from XXXX and XXXX they are calling everyday and refuse to stop calling after they was told do not call this number. and I just received this number so I do n't know nor care who they are looking for just stop harassing me.