WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday XX/XX/2018 I was defrauded and scammed into depositing {$1000.00} is dollars using XXXX quick pay from my CHASE account to a XXXX XXXX XXXXXXXX account. Im currently working with law enforcement in XXXX XXXX XXXXXXXX where I live and with law enforcement in XXXX, Florida where the account holder of XXXX  XXXX XXXX lives. I mmediately contacted both banks within minutes of transferring the funds. CHASE at the time of my claim only gave me the option to submit a claim and all I can do is wait. Its now been 6 days and CHASE has not contacted me.
I opened a PayPal Smart Connect ( XXXX ) account XX/XX/XXXX. I made some purchases, but I never received a statement from XXXX until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in XX/XX/XXXX. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill. I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and left the account in limbo for three years. XX/XX/XXXX, I contacted GE/Synchrony to pay the past due balance in full, but they would not accept payment. They subsequently referred me to a third party creditor who had assumed ownership of the debt. I then promptly went and paid the full amount ( {$730.00} ) to the new creditor. Being a loyal customer with XXXX other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report ( since I paid the debt ) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates. Since Synchrony 's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.
I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information.
On XXXX/XXXX/XXXX, XXXX, I gave {$110.00} plus {$10.00} service fee to Western Union at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV . I gave recipient 's and my full identification information on the form. Recipient 's information is exactly the same information on her XXXX identification card. After returning home, I called the recipient in the XXXX and gave her the tracking number to claim the money. She went to a local WU outlet in the XXXX with her cousin. She was given a claim form to fill out and smaller triplicate form to sign. She gave back them to the clerk then was told she ca n't receive the money because the information on her ID card did not match their information. She was advised to call me to make corrections. The discrepancy lies in the name sequence on the WU account compared to her ID card. I called WU and was told that they ca n't change the name ; I need to go back to XXXX XXXX WU to make corrections. Since the store was closed, I went back the next morning. The store was not able to open WU website and the XXXX XXXX clerk stated she could n't make changes. I called WU again and told them about the problem. WU then said the money was already paid to the recipient in the XXXX. I called the recipient ; she totally denied receiving any payment. The local WU outlet there said they returned the money to WU. I reported this to WU. They said that they will investigate.
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Experian, XXXX and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
While I was able to obtain forbearance from the company a handful of times, that does not help me in the long run. Unfortunately I do not have specific dates for my phone calls with this company, but the lender literally told me there are  0  options for reducing my payment. Payments continue to go up while my income remains low due to losing my job in  XXXX   2016. I  also physically not able to obtain a job in the degree I earned due to a   XXXX   XXXX    on the job. This company refuses to work with me and I am unable to pay the monthly payment.
I called Transunion In  XXXX   2017  concerning this dispute -- the representative transferred me to a supervisor who was very rude and disrespectful. First of all there is no one there that can speak  XXXX  which I felt was a huge barrier and caused our issues. I did not get my point across to explaining my case. I have been trying since  XXXX   2017  to dispute this case contacting the clerk of court and they clearly stated who this account belongs to, Transunion would not tell me what  3rd company they verifed this information thru and as you can see I have a freezes on all these 3rd par ty compainies and I just want proof from them this is my account because the clerk of court says they do not even verify that type of information anyway. My call with this company was an epic fail.
ON XX/XX/XXXX Capital One took out a payment of {$25.00} and another payment of {$50.00}. Which on their mobile app I cancelled both payments due to the fact that I realized that I did not get paid till XX/XX/XXXX and funds would NOT be availble at that time. I then post poned a payment to be taken out on XX/XX/XXXXfor {$25.00}. I checked my bank account on XX/XX/XXXX and showed that I was hit with 2 NSF charges from capital. ( so i cancelled that payment for the XX/XX/XXXX payment of {$25.00} ) I quickly looked at my capital one app and shows that they still pulled out of my bank account even though I cancelled my payment with them. I called XX/XX/XXXX they stated nothing they can do what is owed is owed. On XX/XX/XXXX I contacted them again and they again stated that nothing they can do that there was no cancellation on there end and I told them that I was on there app and cancelled both payments. ( my payment is due on the XXXX of every month. And I have always paid either before or 2 days later and NEVER been hit with a late fee from them ) That their must have been a glitch on  there end. I have never been late with a payment nor have i ever been hit with an NSF charge before from my bank account. They transfered me to another agent and the agent didn't want to listen to what I had to say. Said we can credit your account the {$25.00} for late payment but the return of the XXXX nothing they can do. Stated my bank sent them notification stating no funds were available on XX/XX/XXXX which my funds were available on XX/XX/XXXX. I stated I can fax them a copy of my statement showing when I transferred money into my savings account and the day that it was transfered, he stated that won't matter and to contact my bank. I have asked for them to credit my account for what they have tried to pull and to refund me or credit me the NSF over charge fee from my bank.
Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP XXXX.
There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help
I have 8 credit cards that falls under synchrony financial. Last year sadly to say I was laid off of my job that I had worked for 17 years, this made time a little hard but never the less I have never missed any of my credit card payment for none of my cards even cards that do not fall under synchrony. Synchrony has continued to run my credit reducing my credit limits to what the balances were until they were paid off and then closed the accounts. while I have continued to work hard to increase my score back up by snchrony continuing to reduce my limits to what the balances are, shows the credit reporting companies that my cards are maxed out, which they really are not. This drops my score and then when they close my accounts that also drops my score instead of my scores going up they are contributing to my scores going down. My score will not increase with the way they handle accounts.If I was ever late or not paying my bill that would be one thing but when I am faithfully making my monthly payments that is awful. This is not fair to consumers. I would rather close all my accounts and never do any business with another business that supports synchony. Instead of shopping XXXX I will show XXXX XXXX and etc. This is really bad business and really hurts there long loyal customers. And for the record my score did not drop because I do n't pay my bills its because I have to much credit and after my layoff I was only able to pay the minimum on most of my cards but now that I have started back working I have been working to get all my bills paid off so my score will increase back.
I currently have my federal loans in borrow defense since XX/XX/XXXX. the sallie mae/navient ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.
The debts that are reporting are not accurate and do not belong to me. XXXX already verified the collection accounts are not accurate and removed them. They are still reporting on XXXX and XXXX.
On XX/XX/2018 my paycheck was direct deposited into my Amex serve account. I checked my account around XXXX XXXX on XX/XX/XXXX and my balance was XXXX $ and change. I work nights So when I left my shift at XXXX XXXX  on XX/XX/XXXX, and checked my Amex serve balance. There was at that point XXXX $ dollars in my account, all my money was gone. After checking my account, after my direct deposit went threw there was four charges on my account that were fraudulent and not made by me. The charges where actually money transfers from four different names I never heard of before. The first charge took my entire direct deposit amount. The second was a few hundred $ sent back to me. The third was another few hundred sent back to me. The fourth was the remaining balance sent someone. These were all transfers from all different people I never heard of in my life. I immediately called Amex customer service to start a dispute, the next day I got a Email from Amex saying the charges were not fraudulent and there is nothing to do to help me, my account was also locked and shut down due to them saying I violated there policy. I called back today XX/XX/XXXX to try to resolve this issue again. Customer service said there was nothing else they Could do and they could not transfer me to the Fraud department and the only was to reach them is by email or a letter via postal service. I then asked to talk to a supervisor, was out on hold. I waited 2 hours on hold and no one ever picked up. My account is clearly compromised and all my hard earned money was stolen. The only thing I can think of is a email I received claiming to be Amex serve asking me to validate my account. The logo was exactly the same and looked authentic. It even brought me to the Amex serve account website. I verified all my information and my guess is this is how my account got stolen. I sent Amex serve this email and told them about this and they did nothing and said nothing about it. My next step is calling my lawyer to pursue Amex legally in hopes of recovering my hard earned money. Please help me out as this is completely insane and Amex serve is allowing this illegal activity to happen on a account that is said to be completely protected against fraud.
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : Credco, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Since letters dated XXXX XXXX ( signed for certified mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) I 've made multiple attempts to correct errors on my credit report to include 1 ) correction of name and address on my report as XXXX XXXX XXXX. I provided a copy of my Drivers License, a copy of my SS Card, a Utility Bill, but Experian has failed to make the name correction. There are variations of names listed on my credit report that Experian refuses to remove as they are not my legal name nor do I receive any bills or mailings under those names. 2 ) During the months of XXXX and XXXX I sent certified letters again XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian in regards to unverified accounts ( which was submitted in the XXXX letters ) with incorrect account information reflecting on my report. I ask for Method of verification not consenting to any means of automated verification. I asked for the name, address, and telephone number of each person contacted regarding the accounts reported on my credit report which was during a reinvestigation period with Experian and yet again Experian has failed to provide such information and failed to make the necessary corrections. Repeatedly Experian has and are now liable for willful non-compliance and have violated the Fair Credit Reporting Act. I have ask that the misleading information be deleted and a corrected credit profile is provided. 3 ) I have placed a freeze on my Experian report dated XXXX/XXXX/XXXX because of Experian 's repeated willful non-compliance to name correction and providing method of verification of incorrect data on my file I want to ensure as well that no information on my report has been released without my authorization. Experian is now beyond 90 days to make the necessary corrections since the first two letters signed for on XXXX/XXXX/XXXX which is proof they are willfully non-compliant to properly make corrections according the Fair Credit Reporting Act.
On XX/XX/2018 Bank of America charged my account eight {$35.00} overdraft fees for items that were paid. My account balance was not overdrawn for a single one of those charges. This is not the first time this has happened.
Collection Agency Abuse of Powers. 
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. 
Sincerely, XXXX
I received a letter from Chase mortgage on XXXX/XXXX/15 dated XXXX/XXXX/15 stating that my XX/XX/XXXX mortgage payment was past due on account # XXXX. I called to inquiry why and how is my payment past due when I made the payment online on XXXX/XXXX/15 from my Chase checking account to my Chase mortgage account. The fund was immediately debited from my checking account on XXXX/XXXX/15. When I called the bank they told me my account was in lost mitigation. I have not miss a mortgage payment in years. I make my payment the same way online however it seems they have being crediting my account when they feel like it. I was told by a rep. that my account was up to date and she does n't know why i am not able to make my payment directly from my mortgage account. She told me it was an internet banking issue so i was transferred about four or five time on XXXX/XXXX/15 about XXXX or so. I was eventually told by the internet rep. some one would get bank to me. On XXXX/XXXX/15 at XXXX I received a call from an internet rep who told me my mortgage was with lost mitigation and that 's why I could not make my payment from the mortgage account site. He referred me bank to the mortgage department. I can and requested a supervisor or manager and I was transfer to lost mitigation where the rep asked me to verify myself which I did. However, the process got ridiculous with her asking for my middle initial. She told she could speak to me any longer if I did n't give my middle initial so I asked her to give me some who will. She transferred me to a customer abuse recording which ultimately hung up the phone. i received no help and I think they are trying to commit mortgage fraud by putting me in default when my payment are make on time. I assist in this matter. They have done this to me in the past which result in late payments my credit report in XXXX and XX/XX/XXXX which has affect my ability to get credit even today. This is very disturbing and upsetting and I am afraid they will try to take my house. This is bring great stress to my life, when I am making my payments on time.
I had disputed multiple late payments where my student loans should have been on deferment. I 've resubmitted it multiple times and finally had them remove the remarks and disputes due to trying to get an fha home loan. Still the disputes took WAY longer than 30 days, some of them were still open from 3 years ago. They repeatedly advised me of dates my deferments would end but started reporting those dates as late with XXXX XXXX XXXX. I 'm actively paying the loans now as deferment is no linger required but it has decimated my credit report by the tune of 51 late payments. I should have none for two reasons. One, it took more than 30 days to complete the disputes and two, my loans should have been on deferment anyways.
On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.