WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 ( and XX/XX/XXXX ) I was sent 2 payments ( {$690.00} each ) by the Social Security via direct deposit to my Chase checking account ( XXXXXXX ). Unfortunately, the attendant wrote down the account number incorrectly. After not seeing the deposits in my bank statement, I called the SS and they acknowledged that two payments were transferred to Chase. Next, I called Chase customer support and they responded that they dont have any knowledge about transfers from the SS.

Caught in a limbo, I decided to drive to the SS offices in XXXX, to speak directly with the attendant. Following another verification of my data, it was revealed that the account number was incorrect, and we corrected it. At that point I asked to mail the following checks to my home address ( not to the bank ). These payments arrived on time, as expected. 
By the end of XXXX, after repeated calls to Chase customer support, I was advised to call the claims department ( a number not published on the website ) and filled for an inquiry, explaining that the account number used by the SS was incorrect. They said theyll investigate that, yet never got back to me. 
A new visit to the SS offices revealed that one of the two checks bounced back to the US treasury, while the fate of the second check remained a mystery. In XXXX, I called the Chase claims department again and filed a new inquiry. Two days later, they got back, telling me that the check had been deposited into another account and the claims department has completed their instigation (??? ) Unsatisfied with this answer, I asked how could I retrieve my money. They advised that the only way was to go to my branch and authenticate myself. I did so and after the clerk tried repeatedly to find ways to retrieve the deposit, she told me that she is incapable of performing it. 
A new call to the claims department ( once again explaining the whole saga ) didnt help. I asked to speak to the supervisor who responded : why did you wait all this time? and that nothing further could be done. 
My questions : 1 ) Why was one check sent back to the treasury while the other ( with a similar wrong account number ) was deposited into a different account? 
2 ) Beyond the flawed customer support we have no knowledge of any direct deposits from SS on XX/XX/2018, the Chase claims department concluded their investigation. What does it mean for the customer? It is the bank responsibility to retrieve that money! 
3 ) After such a long time, Chase needs to refund my money immediately. It is inconceivable that there are no ways of recovering it.
XXXX XXXX XXXX ( also known as XXXX per their messages ) has been calling harrassing me for weeks on a debt that is not valid. Claiming that in 2009 I walked into a physical payday store called XXXX XXXX XXXX ( which in my state there is no such thing ) and took out a loan and deposited it into a bank account that I had closed years before 2009. I have received no formal debt validation letter so that I could dispute this. When I asked for a debt validation letter she said they do not send out that information, etc. I explained that this debt is not valid and to stop calling me. She started to threaten that I would be served papers at my place of employment and/or home. I asked for their physical address and formal name of company, she would not provide me with any of that information. They lady would not let me speak, she was extremely rude. Even after requesting the calls to stop, they continue to call my home, cell phone, and work number.
XX/XX/2016, I notice a unauthorized foreign transaction was pending on my PayPal prepaid card, I immediately alerted PayPal prepaid and they did nothing about it. I researched the charge and learned that the charge has been reported by a lot of people as suspicious and fraud. Then PayPal prepaid took it upon themselves to cancel that card without my consent, without giving me a chance to pull the rest of the money I had in the account out, and they left me with no way at all to access the funds, they did this to me At the worst possible time which was XX/XX/XXXX, they left me broke and and I did n't get to celebrate or enjoy the holidays at all. They cause me so much hardship and had me waste so much time and energy everyday for the next 3 weeks calling them trying to access my funds. They would have me On hold for hours, reconnect me to another person several times and they would just hang up on me. They also caused my XXXX account to closed down because they would not approve the wire transfer I had scheduled, even though I had enough money for the transfer, causing me to go negative {$220.00}, and because of another transfer they did n't approve I was unable to pay off a loan from lendup and now I owe even more money. I first talked to them XX/XX/XXXX, they told me I would be updated about the situation XX/XX/XXXX, when XX/XX/XXXX came they told me I 'd have to wait till XX/XX/XXXX now. It 's starting to feel like they were the one that did the fraud charge, they have not been cooperative at all and they have n't helped me at all, Instead they caused me Even more stress and so much hardship ...
I was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.
XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
US Bank claimed that I authorized charges based on XXXX facts that were presented to me 1. ) That the signatures on sales receipts matched my signatures 2. ) That the voice on 11 calls on this account were identical I provided proof, in the form of a certified forensic investigator, that there were no similarities and US Bank wrote in their response : " Please be advised that we are unable to provide you with copies of recorded calls that you have requested. ''
Back in XXXX of 2007 my bank account was levied. At first I thought it was because of my child support that was just put into arrears. I filed a motion to have it vacated because the arrears were being paid out of my pay check. When I received all the proper information it was for this debt that I do n't not owe. Now I 'm receiving threatening letters from collectors attorneys.
Citibank has closed my account because I have disputed a transaction of a service that they promptly issued a credit for even indicating that they appreciate my business. Yet, a couple of weeks later, my account was closed and all my rewards associated with it were voided. In addition to this, I stopped being able to see my statements online and the Executive Office associate I spoke with told me I would start receiving them in paper format from now on. No statements have ever since been received since account closure. I have been receiving calls from this lender at XXXX inquiring why I am not making my payments, when I have contacted Citibank multiple times requesting the adjustment of the balance so I make my payment in full. This includes the removal of the late fees, interest and finance charges for the reason stated above and requesting the honoring of the rewards that were voided by them and not me. Otherwise, no more payments will be done on this account and a lawsuit against these abusive and predatory lending practices will follow. I would also like to add that when I first became aware of the account closure, I repeatedly contacted this lender explaining to them my concerns and even speaking to a representative in the collections department who told me they could only act on rectifying my concerns on the account balance if I defaulted on my payments. Yet, nothing is being done to help with my issues.
I went to Huntington Bank on XX/XX/2016 at or around XXXX am. I walked into the bank and set with a banker for a sec to ask him about my new account. I had just made my Huntington account online XXXX days prior to coming into the bank. After I asked him would I be able to deposit my check ( payroll ) because I had forgot my I.D . at home and was kinda in a rush. He said yes, that I could deposit it and it would be available tomorrow. So I went up spoke the nice bank teller and gave her my check and then asked her would she need my social because i did n't have my I.D . and she said yes. I wrote down my social and signed the back of my check and gave it to her. Where she walked over to a computer and entered my check. After of about a minute or XXXX she came back with my deposit slip and said you are all set. I said thank you and I also asked what time would I be able to come pull some money out? She said tomorrow as soon as we open your check should be cleared. The next day I came thru XXXX XXXX thru window and requested to take out XXXX dollars and gave the teller my I.D . He than came back with in minutes and handed me back my I.D . saying your account was closed. Now it was very early for me and I not a morning person but I was on my way to work. So I then said well where is my money? He said do you have a second to come in and meet with our senior banker, I said well I do n't have a choice if I want to know where my money is do I?. So I came in and set down watched as the senior banker made a couple of calls and too so notes. I than asked how long will this take I have to get to work. Once he hung up I was rude and asked what now I want to know where my money is. I than asked would like me to go get my deposit slip from yesterday. He said yes, I came back in furious because now I do n't have my money and I was gon na be late for work. So i came back in with the slip but I also let the bank know about their self in a way. Letting them know that I should of received a phone call or email because it 's way faster. After I left they bank I called XXXX number to speak with someone else about this because I could not get correct answers from the people at the bank. The lady that I spoke with on the XXXX number said that she did not see a deposit made into the account i gave her. I then told her the branch was made and i guess she called them because XXXX minutes later she hopped back on the phone with information about my deposit, she said that the branch said it would take XXXX to XXXX business days before a check was cut and sent to me over night. Than she went on to say that the bank had no right to even deposit my check in the first place, that they had to have done an override to even deposit my check. I wanted her to go into detail but the call disconnected. So instead I wanted answers so I keeping and getting the same information from different bankers telling me that the branch had no right to do what they had done. So I felt that this compliant was n't about nothing but not allowing this to happen to anyone else.
I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.
I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. they didn't try helping me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late.
I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.
I have paid the debt in full on XXXX/XXXX/2015. It is still showing as owed on XXXX even though I have disputed it with XXXX and XXXX. XXXX no longer shows it as being owed.
Dear Consumer Financial, I would like to discuss about paid bill from {$23000.00} to {$1300.00} to Santander Consumer USA comapny. Please check again fix to repair credit on XXXX, XXXX, and XXXX. Thank you. I hope you doing well and Happy new Year! 

Best Regard, XXXX XXXX XXXX
Equifax did not protect my personal information from being accessed in their 2017 data security breach. I was confirmed to have had my personal data compromised by this cyber attack.
Family with similar names and SS that only changes by XXXX-XXXX digit. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months goes back to square one. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
I have private loans as a cosigner with Navient. I am retired and they make me pay {$400.00} a month barely able to make it and now they want to raise my payment by {$200.00}. I have tried to come to a deal with them but every time I send papers and call them with my proof I have, they tell me they never received my papers by fax. I get multiple letters threatening me if I do n't pay and multiple phone calls by them. I have tried talking to them over and over and nothing helps. As for my daughter they did the same to her always saying they never got the papers we sent to try and get into the income based repayment program even telling us we failed to get in because we did not submit the paperwork on time even though we had fax papers proving we did. This was after multiple times they only offered my daughter the ability of forbearance and not income based which we later found out about. They also threatened me for XXXX of my loans if I did not pay they would put a lien on my house and they told me to pay using certain credit cards I had. Info I never gave them access to. They forced me to pay {$5000.00} and I would be fine. Then I get a call I have to pay {$300.00} for another loan even though I was told once I paid the XXXX I would be ok only to find out that it only applied to that loan. On top of that as we went through this whole ordeal the loan doubled and tripled from its original amount and its ridiculous you ca n't find someone to work with and the deal for XXXX is only for 15 months then for my XXXX other loans I got a letter stating that I agreed to a three pay forbearance option which I never agreed to that part and never even heard of a three pay forbearance program before till I got a letter stating the deal for the XXXX that I had to constantly call in order to receive the letter as proof I did pay the XXXX. It is not justified that the loans are increasing based on navient not cooperating with me and my daughter. The loans now cost more then my house. I want a resolution in which my loan balance is what it should be and not triple what it is now when I have done everything to work with them.
I want to convert a portion of my CitiBank HELOC to a fixed rate loan in accordance with paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006. 
I am writing to you after spending many weeks communicating my request with CitiBank staff and supervisor representatives in far-flung parts of the world. I have had in-person office meetings with my local CitiBank Loan agents and CitiBank branch managers to discuss my desire for converting a portion of my current HELOC loan. On every occasion I am referred to another CitiBank employee ( phone # ) who either has no knowledge of the criteria used in calculating the rate I will be charged on the $ XXXX amount I wish to convert, OR, the representative contradicts another employee 's explanation of how the rate is derived. All employees refuse to document their statements or provide a written estimate of fees and interest rate charges for the converted loan amount. 

Paragraph # XXXX of my original HELOC document dated XXXX XXXX, 2006 reads : " ... The Annual Percentage Rate for each Converted Balance is fixed and will be determined by the value of an index. We will take the index in effect on the date the Converted Balance is established by us and add a margin. The index we will use is the Federal Reserve Statistical Release XXXX " Selected Interest Rates '' Interest Rate Swaps ( 7 Year ) .... '' My current margin is XXXX %, The current index value is 1.51 %
My student loans changed servicers and no longer has a distinct account number for each loan. It is now impossible to send payments outside of the website and specify accounts. As a result, I have had to file standing instructions for how a recurring monthly payment is allocated. 

The standing instructions are never followed and I must manually request the payment be corrected every month. I have asked instructions to be corrected several times, but the issue is never resolved.
A company called Winnpointe is engaging in deceptive mortgage practices. They are advertising a 2.875 % fixed rate for the life of the loan without clearly stating whether it 's a 30-year loan or a 15-year loan. This is trapping consumers into calling thinking this advertised rate is for their 30-year loan and is against TILA regulations.
I now own a 2009 XXXX XXXX and as part of the sale transaction the seller 's outstanding loan was paid off. I received a lien release from the lender and brought that to the New York State DMV to obtain a clean title. I was informed that there were XXXX liens on the car from Wells Fargo, XXXX representing the original auto loan and the second representing a refinance of the original loan. I can not get Wells Fargo to send me a release for the original lien despite it having been refinanced and then subsequently paid off and satisfied. As a result I still do not have a clean title and can not sell the car. Wells Fargo seems unwilling or unable to provide a lien release letter to the original owner ( my mother-in-law ) so that I can move ahead.
Transunion will not investigate to verify the XXXX XXXX bank cards are closed and paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX BANK Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$59.00} 30 % of Credit Limit* XXXX Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$130.00} 66 % of Credit Limit*
I have a current loan application for a brand new construction home with XXXX XXXX. Lender is First Equity Home Mortgage. It has been in process since XXXX of this year and closing should be XX/XX/2018. I was supposed to receive XXXX at closing for using this lender because I receive closing costs for having a XXXX loan. He has received my paystubs for the past 5 months and has my offer letter when I started my new job In XXXX. Yesterday he called me to say I was not going to get the XXXX  loan or the XXXX at closing because I worked some overtime and went over the income limit. I told him why he didnt say anything about the limit since he has been receiving my paystubs for 5 months. He said he didnt know I was hourly! He has my job offer letter! He didnt even look at my paystubs once before yesterday. He also said he was late to request the appraisal and and would not have closing docs ready for XX/XX/XXXX. I already had those XXXX compromised to pay back a loan of XXXX I did to pay an account. I have to pay it back after closing. I also have a large number of contractors scheduled to do extra painting, install blinds, deliver furniture, washer dryer that I cant cancel. This lender has not been accountable at all. I am renting and have to leave my apartment on the XXXX. He just said I can have an FHA loan but dont get my money and have higher interest. He screwed me so bad I dont know what to do.
I have uploaded XXXX letters that explain the problem. These liens have NEVER existed, anywhere!! Equifax lies and claims that they have contacted XXXX and XXXX County and verified, this is a blatant lie!! I have been in both offices, I have been in contact with the IRS, these liens have NEVER existed. Over countless disputes they have ignored my documentation and lied about verification!! They have blatantly changed the dollar amounts of the fictitious liens, and over and over again changed them from XXXX reported to XXXX, and changed back and forth their location of recording. XXXX and XXXX share the same recording system. THESE DO NOT EXIST AND NEVER HAVE!!!!! 
What Equifax is doing to me is ILLEGAL, Stop reporting ALL IRS liens in my name!! 
The XXXX that were real and accurate have been WITHDRAWN!!!!!! 
Anything else has NEVER EXISTED!!!!!!!!!!