WillisBack/dataset-financial-user-claim huggingface dataset:
I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX.
TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires
There are a number of hard inquiries on my credit reports that I did not apply for. I was just made aware that I can dispute these. This came to my attention after XXXX suddenly appeared on my TU report twice for something that I do not remember applying for. The following inquiries I believe to be inaccurately reported. 

TU : XXXX XXXX/XXXX/XXXX, XXXX twice XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX I 've attached copies of my most recent TU and XXXX credit reports for your reference. I 've been trying to establish credit for myself, so you 'll see a good amount of inquiries listed. The only ones I believe to be inaccurate are the ones I 've mentioned above. If you have any further questions regarding this, please do not hesitate to ask. Thanks!
I saw a {$630.00} on my wells Fargo visa card XXXX 2016 the company called USA seats is a company that sells tickets to different events, I 'm XXXX years old XXXX kids XXXX is a toddler and my wife is not working, Called the company and they said that the purchase was made by a third party and unfortunately there is nothing they can do. Call Wells Fargo and open a claim, after a week I see the money charged again in my credit card call again that night and the phone was hung on me 3 times, I call next day and the person on the phone told me my claim was denied because the company had all my info on file like my address ... really??? There is so many ways fraudster can have access to that. I been with this bank so many years, had loans that are been correctly pay off with them, had accounts always in good standing even a minors account. Always paid on time and my direct deposit is decent and the amount of money I have there is enough to tell them that I do n't need to do that. The ticket the fraudster bought was for XXXX XXXX in a Saturday on a casino that crazy, if anybody check my credit cards over the years and my statements will rapidly understand I never did such a purchase specially now.
There is an error on my credit report from XXXX XXXX Credit Card. The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number XXXX
It started back in XX/XX/XXXX when i requested a credit increase. Instead they decreased my limit to XXXX some how XXXX was about 100 points lower the XXXX and XXXX i have got that corrected and score went up asked again for a credit line increase they said no based on a score from XX/XX/2017 from XXXX stating its highly unlikely my score has changed much well it has as it has been 3 months and errors cleaned up on that report
XXXX allowed my information to be obtained by unknown parties without my consent potentially resulting in fraudulent action being taken with my personal information in the future.
I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
My loan was transferred again and I got a notice that with the transfer I had 60 days where I would not be penalized for late payment, or be reported to credit agency. Well I took this as an opportunity to refinance because the previous loan servicer ( XXXX ) had messed up my escrow ( they had doubled it and when called I was told I just did n't understand ) and with lower interest rates I thought the timing was good as well. I was with in 60 days when a credit agency called me and Loan Care on three way and that is when a Loan Care money collection agent ( which phone call was recorded ) reported that I was late on my payment and no payment had been made. I told her that what she did was a violation of my rights and she became rude and asks to get off of the phone. I feel that Loan Care violated laws to protect the consumer, and tried to bully me so that I would have to stay with them or refinance with them. I am tired of large mortgage companies disregarding the laws, rules, and regulations which are there to protect the common consumer and feel that something needs to be done to get Loan Care to realize that there are repercussions from breaking these rules.
I was charged {$170.00} in a foreign country by a travel agency under false pretenses. I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.
My compliant is that Experian charges money to remove a security credit freeze for either temporary or permanent. This is against the Fair Credit Reporting act. They control my information against my consent. They are in violation of FCRA by charging a fee to remove a security credit freeze. I elected to have a security credit freeze due to the enormous breach at XXXX ( XXXX/2017 ) which jeopardizes my credit for my entire lifetime! I initiated security credit freeze 's with all three credit bureaus. 

Please advise, thanks. XXXX XXXX
I applied for the chase XXXX credit card and was instantly approved. I immediately paid for my honeymoon deposit, {$1500.00}, using the card in order to receive the XXXX miles associated with purchases on the card in the first 3 months. The next day I went to pay the card off, I called chase to inquire if I could link my savings account to my card which they told me was completely fine ( I did not want to use one of my monthly transfers to transfer the funds into my checking account ). A week later the payment was reversed even though the funds were in my savings account. I called chase again and they told me that the last representative who told me I could pay using a savings account was incorrect and that I could only pay using a checking account. I transferred the funds into my checking account and went to link my checking account to my chase card and it said it could not link the account -- A represented told me I had to put two zeros in front of my account number to link it, which I did and it linked. The payment was reversed again. I called chase a third time and was told the last two people I had spoke to had misled me. I can not pay with a savings nor should I have put two zeros in front of my account-she paid the charge for me over the phone and in a few days it was posted and the {$1500.00} payment was made. I then find out chase closed my account because of these reversed funds. I never received a letter ( although they claim they sent me one but they should have sent it certified mail because I did not receive it ), they never emailed me, or called me explaining my account had been closed. I do not use my credit card often, mainly just for large purchases I can pay off immediately, so a few weeks later I tried to use the card and it was declined. I called chase they told me they had closed my account and they will not reopen it because it had been 30 days since they closed it. Not only did I never receive notice that they closed my account ( if I had received a letter I would have called them immediately ) I also had already paid the $ XXXX   yearly fee in order to have the card that I ultimately only had for 4 weeks. They have not refunded my {$70.00} fee and still refuse to reopen my account because of the 30-day limit. I acted on the advice of chase representatives and it ultimately caused my account to be closed. I have great credit, have never missed a payment on any credit card, and always had the funds available in my account. I would like my {$70.00} reimbursed or my card immediately reopened. I would also advise chase to provide new training to its representatives and to always send account closure letters via certified mail and email.
I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.
Dear CPFB : A few months ago, I contacted both Navient and the Consumer Financial Protection Bureau regarding a sudden increase in my student loan payment instead of a payment adjusted to what I earn. I then spoke with a Navient representative, who said they would " forgive '' the month for which they charged a full payment and revise my monthly payment based on my current income. 

Even though I have continued making payments per our agreement, I continue to get notices and daily phone calls with the same recorded message ( sometimes several times a day ) telling me to call them ( which does no good because I just get the same recording ) or that my account is overdue. Last night, when I tried to make an online payment on my cell phone, I was unable to change the amounts from the higher amount, which I can not afford to pay, to the lower amounts, which we agreed I would pay for now based on my income. 

It seems to me that different branches of Navient are not communicating with one another. Would you please direct them to straighten out their records? 

Thank you. 

XXXX XXXX
Around XX/XX/2016, I purchased a vehicle from, " XXXX XXXX XXXX. I specifically stated to the sales rep & finance manager, that I only wanted a vehicle worth XXXX dollars. We agreed on a XXXX XXXX XXXX XXXX, with sunroof, around XXXX mi. I put a XXXX dollars down towards the purchase of the vehicle. I tried to get the vehicle refinanced then discovered that the dealership fraudulently added about XXXX to the total finance cost of the vehicle. The vehicle was also falsely advertisted as in great condition, but a severe frame damge front and rear ... ....
I do n't owe any medical bills as I have always had insurance. The company has no right to have access to my medical re cords. HIPPA  has been violated.
ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.

I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.

Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
School XXXX XXXX COLLEGE ( Name changed was XXXX UNIVERSITY-XXXX XXXX Current Owner NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2005 Original Principal {$1700.00} Unpaid Principal {$1300.00} Unpaid Interest {$150.00} Unpaid Late Fee {$4.00} Current Balance {$1500.00} Interest Rate 15.500 % Interest rates on private loans are set by the lender. 
Interest Type Variable School XXXX  UNIVERSITY - XXXX XXXX Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/2005 Original Principal {$3000.00} Unpaid Principal {$6500.00} Unpaid Interest {$430.00} Unpaid Late Fee {$20.00} Current Balance {$7000.00} Interest Rate 9.500 % Interest rates on private loans are set by the lender.
I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!
On XX/XX/2017 I underwent an XXXX and XXXX at XXXX XXXX Medical Center in XXXX, TN. I have XXXX health insurance so I made sure to go to an " In Network '' hospital to keep my out-of-pocket costs low. Prior to the procedure occurring, I called the XXXX department at the hospital to ensure that the copay I was providing ( {$100.00} ) would be my total out of pocket cost. My health insurance paid {$2800.00}, while I paid my copay the day of the procedure. I was told that this would be the total cost to me. 

I was very surprised to see a bill from " XXXX XXXX '' who is out of network with XXXX. I thought it was a mistake. The XXXX fee was balance billed to me as XXXX does not cover " out of network '' costs, even though the facility I picked was " in network. '' I attempted to contact XXXX XXXX to discuss the bill. They directed me to contact XXXX XXXX Medical Center, who said to contact XXXX XXXX. I also contacted XXXX, who merely said they don't cover out of Network claims. None of the 3 parties were able to help explain. I received an unrelated XXXX XXXX in the past year at a different facility, and there was no surprise bill as the XXXX/facility were " In Network. '' Recently, I had 2 derogatory marks show up on my credit report for this one hour medical visit. XXXX XXXX had sent my single account to " XXXX XXXX XXXX XXXX XXXX '' as 2 different accounts.
I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY  XXXX  CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM EQUIFAX AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
When the loan was originated, I was never provided the required California Electronic Consent forms. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online.
If you want the option of sending and receiving real estate transaction documents by e-mail, federal law requires certain safeguards to ensure that consumers like you have the capability to receive such disclosures and are fully aware of the consequences of agreeing to receive documents electronically.
Federal law requires your consent to use e-mail and electronic versions of information, disclosures, contracts and other documents and records ( electronic documents ) that would otherwise be legally effective only if provided to you in a printed/written paper document.
We purchased a new home XX/XX/XXXX. XX/XX/XXXX we had someone wanting to Assume our previous loan with NationStar Mortgage ( the house we moved out of. ) We began the Assumption process XX/XX/XXXX and submitted everything asked for at the time. We have now been working on this process for just over 14 MONTHS. We 've contacted them I can not even begin to say how many times. They 've given the run around to us from the get go. From telling us they can not do Assumptions ( yes, they can, it 's in our mortgage and loan contracts ), to we had to put her on our TITLE to our house before they could see if she 'd qualify for the assumption, to just plain no response, to documents are missing but no one can tell us what. XX/XX/XXXX we were finally given a list of documents needed including Purchase Agreement and Title Insurance Certificates. These documents were procured and then it took me approximately 3 weeks to get a fax number to submit these documents. On XX/XX/XXXX these were faxed in, all documents requested except for XXXX. They wanted a divorce decree and there WAS no divorce involved in our situation therefore no document to submit. I 've spent the past 3 1/2 months now trying to get an answer and update. All anyone will tell us is that it 's " in process. '' Then, XX/XX/XXXX, I was told that a letter had been mailed on XX/XX/XXXX and give it 7-10 business days to get to us. A letter still has not been received. When trying to call I 've been hung up on numerous times. The woman trying to assume our loan also called about three weeks ago and was ALSO told a letter was just mailed the day before. She also received nothing. This has to end. We 're just trying to do the assumption which is supposed to be a relatively easy process. They 're blatant incompetence and or down-right shadiness is inexcusable if not even, perhaps illegal. I guess we 'll find out.
I am a long time account holder with PNC bank. I have a personal checking and savings account with them. I also have a home mortgage with PNC. My federal retirement check is direct deposited with them each month. Today I go into one of their branches to cash a rebate check in the amount of {$3.00}. I give them my account number, show them a personal book of checks, and my state issued drivers license and they refuse to cash the check.
I was working with my relationship manager XXXX XXXX XXXX at Ocwen Home Retention Dept.since XX/XX/XXXX, and she was helping me with loss mitigation offers since last year. Therefore, in XX/XX/XXXX I was offered a loan modification in which I accepted and submitted to Ocwen by email in which I received a confirmation on XX/XX/XXXX. During my myriads of telephone conversations with Miss XXXX at Ocwen I was reassured that while I was working with my relationship manager to find a solution for my loss mitigation options to retain my home Ocwen will not go forward with a foreclosure. However, in XX/XX/XXXX Ocwen filed a motion to restore my foreclosure case ( Index No. XXXX XXXX Supreme Court ). Even though I was working with Ocwen in good faith to get either a short payoff offer or a loan modification during the time period in which Ocwen 's Attorney 's filed a motion to restore my case for foreclosure I was appalled to learn of their action. Furthermore, when I when to Court today to inform Ocwen 's attorney 's that I accepted a loan modification and showed the attorney from XXXX, XXXX and XXXX XXXX. 
proof and confirmation of email they did not remove their motion to restore.There was a letter submitted to the Honorable XXXX XXXX XXXX on XX/XX/2018 by the attorney 's for the Plaintiff, through it's servicer, that an active " CFPB '' hold applies to the Action base on loss mitigation activity. 
In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time that it prepares to foreclosure on the subject property. 
Sincerely. 
XXXX XXXX
So I applied for a XXXX  rewards card from chase. I got a notice that they needed more information so I called them. The woman on the phone told me that they felt I had too may credit cards. So is there a limit as to how many I can have? Who does Chase think they are to tell me how to manage my money? They never disclosed that there was a limit to how many cards I can have! Will this impact my credit report? Whats even on my credit report now?
On XX/XX/2018 I was charged XXXX dollars overdraft fee because my account was overdrawn by XXXXXXXX XXXX. I noticed the fee but I didn't call until XX/XX/2018 when my checking account was hacked and had an unknown charge so I also complainted about my overdraft charge.

I spoke with a manager named XXXX who told me that the charges couldn't be removed. I told him that I have 3 other accounts in Fl banks and I have never seen this happened. Particular one of the banks told me the couldn't charge a customer for less than a dollar. XXXX   told me that there was not law that prohibited him to charge the account if it was not covering the full balance and that my charge was staying on the account.

I have proved of the bank statement as well as a picture of the mobile site and the account was only XXXX XXXX under. I am not sure if this a case that can be investigated, but in my opinion this is an abuse to a customer. I attaching a picture for your review. 

Please help!
The bank of america atm on XX/XX/XXXX failed to read my check that I deposited due to no fault of my own. The bank put the funds on hold and two weeks later sent me a letter assuming that the account my check was drawn from was closed. However later the bank representative realized that it was bank of america who was at fault. The money was put on hold before my funds would clear until I made a cash deposit, however before I put in cash it resulted in a large amount of overdraft charges. The bank manager refused to credit back the last 8 overdraft fee charges because in the reps opinion the bank credited back enough penalty fees already. I clearly explained to her that it was simply not my fault that the bank of america atm was unable to read my check. I have never gotten back my few hundred dollars the bank took from me in penalty fees.
I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX.