WillisBack/dataset-financial-user-claim huggingface dataset:
My Chase debit card was taken from me on XXXX XXXX, 2016 which was used to make unauthorized withdrawals/transactions. I was never informed from chase via phone call that any of this fraud activity was taking place. I recieved XXXX email to confirm the transactions which I was unable to open until it was too late. Once I noticed all of the transactions I called Chase bank immediately, hysterical they were not helpful in anyway. Instead of being giuded in the right direction I was yelled at, and blamed for all of this. I explained I would give whatever proof necessary to prove I was in a different town at work, which they were not interested in. I then went to a chase branch filed XXXX claims, signed paperwork faxed it to them right away. A few days later I recieved an email stating they were giving me a temporary refund of which I would have full access to use while they do their research. Later come to find that this was untrue, I called to verify and I was told Chase was ending their " relationship '' with me and I was not able to touch that money. I again, went to the branch to get clarification because I could not get a straight answer from anyone I spoke to. The teller also got no where with answers, he could only apologize for the misunderstanding. I am a single mother of a XXXX girl and Chase would not allow me to even touch my money that was stolen from me. Chase did not provide me any protection whatsoever. Two weeks later I saw an email stating they were not refunding my money because they had reason to believe these transactions were correct. I asked the supervisor for a valid explanation, which they refused to give me. I told them about the multiple police reports I have about the identity theft situation I am in, I cried to them letting them know I have valid proof and they said " that wo n't be necessary ''. The woman on the phone hung up on me abruptly and I decided to take further action since I am getting no where with this company.
Penfed auto loans interest rates for Puerto Rico are higher than the rest of the nation. In their website they have below the rates table an statement excluding Puerto Rico from the table and when I called customer service they are .50 % higher than the ones showed. XXXX XXXX XXXX It is a discriminatory practice since I have a credit score of XXXX which I can be approved as another person from the mainland. I comply with the risk requirements involve in a repayment/risk analysis. It seems like a redline practice.
Nationstar evaluated our escrow account, using only 6 months of taxes, due to a XXXX refinance XX/XX/XXXX ( Refinanced through Nationstar ). Now they doubled my escrow requirements from {$3300.00} a year to {$5600.00}. They are now projecting that our taxes will increase by more than XXXX % in XXXX, because of their incorrect information. I 've submitted tax records from XX/XX/XXXX-XX/XX/XXXX. 
Our taxes have never increased more than XXXX % since XX/XX/XXXX. 
They are telling me their projections are correct and will not adjust anything.
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
when the debt was sold they never send me a letter stating how much was the debt sold for. I send the CA MAIN STREET ACQUISITION debt validation letter. They send me back copies, and I found numerous violations with account number no contact with main street identity theft.
I opened an account with AVANT in XX/XX/XXXX to help us pay a deposit to move into a house, we reached out to AVANT because they were able to approve us for the loan of XXXX  with payments of {$250.00} a month for 36 months. We had minor issues paying AVANT, but they worked with us to resolve them. Fast forward 2 years and for some reason, the ACH withdrawals would process days before the scheduled date ( would either puts us in the negative or wrong amount would be debited ). We called to make arrangements to split payment up to, $ XXXX/ {$120.00} every two weeks to make it easier to repay ( changed due date ), somehow the full payment processed and they had to refund us half the payment couple times. We called to complain about poor customer service ( the interest rate ) and to cancel the ACH ( to remedy ACH issue ) and was told it wasn't allowed to cancel based on the contract. My wife who is a loan officer stated no company is allowed to keep a customer on an auto-pay system and the customer has the right to cancel upon request but is still required to repay a loan. We told them about the CFPB violation and they quickly canceled the autopay. We made a payment that processed properly after that we attempted to go on a payment plan that cut our payment in half per month, we agreed to the terms and a couple days before the due date of the first payment of the payment plan, Avant attempted to debit {$270.00} the same week as the payment plan payment. My bank charged me an ISF fee I called them only to find out Avant was trying to debit the amount. Remember we already canceled the auto pay, so when we agreed to the payment plan it reactivated the auto pay where attempted to debit our account, we explained this to our bank and recommended a stop payment until we resolve to issue with the creditor. I called recently to find out they added over {$1000.00} to remaining balance and posted a late payment on my credit report. Instead of trying to resolve the payment issue they are using predatory tactics to debit our account. We initiated the payment plan to get current, they are trying to take more than was authorized which a breach of the initial contract and the repayment plan contract which specific dates they breached. Avant has mishandled my account since i opened it.
My grandmother has been in the process of a loan modification for the the last 18months. 
When documents are requested and submitted the lender comes back a month later asking for more documents then says that the other documents have expired and they need to be sent again. They are sent again with more requests. Information was sent regarding the property being in a trust, then a month later they want the property taken out of the trust and put solely in my grandmothers name, by that time she was told the application had expired. Now we receive a letter stating that the loan has been acquired by a new servicer, XXXX. No mention of the the modification. I called to speak to the relationship manager and she made no mention of anything. Why are they doing this. They also refused to take payment because it was not the full payment. Chase was informed from the beginning that the rising interest rate would put us in a hardship. Now the modification is not done and the loan has been sold to another company. I tried to assume the loan 2 years ago but was denied. This is heartbreaking my grandmother is XXXX years old and this situation is taking a toll on her.
I am behind on my loan. My husband recently lost his job. The company keeps calling. They call me multiple times a day. They leave me multiple messages. They keep calling my job multiple times a day. Now they have stopped calling my personal phone and only call my job. They will not stop calling me at work. I am afraid I will loose my job because of this. This violates my privacy.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX
I have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that Freedom Mortgage is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.
The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller.
I am going through a divorce with my ex wife XXXX XXXX. During the proceedings I closed and paid off all of our joint accounts. In XXXX got an alert from XXXX that my usage on my XXXX XXXX had spiked and that the balance was almost {$12000.00}. I called XXXX as I have another card through them and was informed of this card for the first time which is in my ex wife 's name with me listed as a secondary guarantor. I told them on XXXX to close the account and they told me that could only be done by the primary card holder. 

I was then directed to the fraud resolution department which I spoke to on XXXX XXXX, XXXX, and XXXX th. The account was finally closed on XXXX XXXX, XXXX but by then the amount owed had risen to {$18000.00}. I told them that I had never authorized this card and they verified that I have never charged anything on the card. I have since requested a copy of the card holder agreement on XXXX XXXX and was told it was sent. On XXXX XXXX, XXXX I was told it was sent to my ex wife in error. I then resubmitted the request on XXXX XXXX, XXXX and was told it was coming my address which was verified. When I called today and spoke to a supervisor I was told it could only be sent to the primary card holder. 

I then sent a fax as directed explaining my situation again. If they can not provide me with an agreement I have requested they remove me as a guarantror.
I keep getting told that I will received a reinvestigation if my dispute of XXXX XXXX from Transunion but they have not and wont reinvestigate like Ive told they will and have not been helped in trying to resolve my issue.
According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX USA
On XX/XX/XXXX I wanted to send {$4000.00} to a grandaughter via paypal. I made a mistake, leaving out the XXXX in the address ; the money was sent instead to another person.. I contacted this person via email, and got no response from him. I then contacted paypal to file a complaint, who ruled in favor of the recipient. I believe pay pal also handles business accounts, in which larger amounts of money are transferred, in which there is a delay is made, allowing for correction of mistakes. I again contacted pay pal, which did nothing. I would greatly appreciate any help you can give me in this matter. I realize that the mistake was mine, but surely you can appreciate that {$4000.00} is an awful lot of money for an XXXX year old widow to throw away!
Loans not sharks keeps calling my phone and work when i 've told them not too saying they 're going to take me to court.
a bank cashed a check with my name on it and the banks name. The bank is in another state so I mailed the check to them to endorse it. check was sent to me from auto insurance company for theft of my cars wheels tires.. the bank cashed the check and did not send it back to me .. I wrote a letter that I need the bank to endorse the check to pay for the wheels tires.. is it legal for a bank to cash this check with out my endorsing? 

the bank took my payment for loss, and put it on the loan balance now I do not have that payment to buy my wheels.
XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. Kohl's/Capital One agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.
I accepted a refinance loan from XXXX XXXX and Patriot Mortgage company. The line was signed and notarize on XXXX XXXX 2015. Now I am being harassed to sign documents that are clearly designed to raise the mortgage amount by an additional XXXX dollars and add more money onto my principal. I did sign a limited power of attorney which statesThis limited Power of Attorney may not be used to increase the interest rate. the term of the loan or the monthly principal and interest. Any of these changes must be executed directly by the undersigned whch is me an I will not sign these papers under any circumstance. I took this deal because I was desperate for cash and I was told I would get a XXXX refund from my escrow account. The XXXX refund turned out to be XXXX Patriot title is trying to say because I accepted XXXX dollar refund from my escrow account I am legally obligated to sign this paper work. The refund was quoted as a XXXX refund which is why I originally accepted the deal in the XXXX place. This refinance in turning into a nightmare. I am tired of being harassed I want a formal complaint done some type of reprimand done.I would like you to review this deal especially the calls between myself and XXXX XXXX at XXXX. and if at all possible I want to get away from this company this is the most disreputable company I have ever worked with. I was originally told by XXXX I need to resign because my signature did not come through on the some of the copies that were faxed over. I knew right then he was lying, because a notatory was sent to my home to make sure each of papers were signed properly. When I looked at the paper work I could see the changed they loan payoff from XXXX to XXXX increasing the principal.
This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

Summit Financial Corp, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

Summit Financial Corp XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Hello, my name is  XXXX   XXXX  and the problem I 'm having with experien is  XXXX  accounts on my credit report are wrong  XXXX  of them are public record and I 've paid them out already and the other  XXXX  are hospital bills that my insurance has already covered and eventhough I 'm disputing the public record I ca n't dispute the other  XXXX  hospital bills because there 's no account number on the other  XXXX
In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.
I was contacted by Wakefield & Associates to resolve a debt. I want to pay. We cameto an agreement to settle my file with XXXX. Payment was due XX/XX/2017. They did not disclose any addl fees added on until I called them to make my payment. The amount was XXXX. I was also told at one point their client was charging interest. Turns out Wakefield is adding interest. My bill in early XX/XX/2017 was around XXXX. We agreed to settle for XXXX. I called the origginal creditor for resolution. They spoke to Wakefield and now my balance is XXXX.
In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and Experian only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX  on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXXstudent loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of XXXX years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
I have disputed this debt with multiple collection agencies. As soon as it is disputed and removed. It is then sold to a different company then the whole process starts all over again. I have disputed this debt with this current company, ERC, and informed them that I do not owe this debt. I have never been associated with the company that this debt has been purchased from. But this seems to fall into deaf hears. This XXXX dollars debt has been following me for the last four years and being sold to multiple collection agencies. My credit score takes a huge drop every time this shows up on my reports.

Please help me get rid of this issue and hope I do n't have to deal with this again.

Thank you
XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
My problem is with a new bank policy at Chase Bank that does not allow you to deposit or withdraw funds from the ATM in at least 2 locations in my neighborhood between the hours of XXXX and XXXX. I dont think this is a practice at all their facilities and it's not clear as to why these particular locations were targeted. It's not only inconvenient for those who may need to make a transaction between those hours it also shows a lack of concern for faithful Chase customers in the area. The 2 locations are on the city of XXXX 's westside. One is on XXXX and XXXX and the other is on XXXX and XXXX. I just wanted to voice my concern about this situation.