WillisBack/dataset-financial-user-claim huggingface dataset:
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The XXXX XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. The payment information history for the accounts opened on XXXX XXXX and XXXX XXXX is incorrect. To start, both of these accounts were paid in full in XXXX XXXX which is reflected on the payment history for the XXXX XXXX account by being labeled as current, however for the XXXX XXXX account there is missing payment history.
In addition, The XXXX XXXX account payment information for XXXX XXXX is reported as current, but for the XXXX XXXX account is reported as XXXX-XXXX days late. This is frustrating because XXXX  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be XXXX days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XXXX XXXX. I had first disputed with all XXXX credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the XXXX accounts I am requesting help with listed above. Thank you!.
XXXX was suppose to remove over 13 inquiries from my credit report. Instead they added over 23 inquiries to my report that are unknown, and should n't appear. Specifically. XXXX XXXX with dates XX/XX/XXXX. XXXX XXXX with dates of XX/XX/XXXX XXXX XXXX was n't given permission to run my credit on XX/XX/XXXXXXXX XXXX XXXX for on XX/XX/XXXXunknown. XXXX onXX/XX/XXXX unknown. XXXX onXX/XX/XXXX and onXX/XX/XXXXwas n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX
These inquiries appear on all three bureaus : XXXX XXXX, and Experian.
Please have these unauthorized inquiries removed immediately.
One of the addresses on my report ( XXXX XXXX XXXX XXXX, KY XXXX ) is incorrect. I do not reside there, nor have I ever lived anywhere near KY. Please see report attached, and have it removed ASAP!
XXXX XXXX commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the XX/XX/XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate
XXXX   XXXX  does not have a contract with me for any services, This company has violat ed HIPAA by obtaining my medical information and has not sent any documents used to verify t his account to me. I have disputed this account and i have no knowledge of this account or any account with  XXXX   XXXX . I have never conducted business with  XXXX   XXXX .
J.P.Morgan Chase acquired my XX/XX/XXXX XX/XX/2004 {$88000.00} home equity loan with a fixed rate of 6.990 %. Chase has Changed my fixed rate to 6.74 % and does not want to comply with the terms of the loan agreement which states in the 3rd paragraph : If a law, which applies to this loan and which sets maximum loans charges, is finally interpreted by a court having jurisdiction so that the interest or other loan charges collected or to be collected in connection with this loan exceed permitted limits, then : ( i ) any such loan charges should be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( ii ) any sums already collected from me which exceeded permitted limits will be refunded to me. Lender may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces the principal, the reduction will be treated as a partial payment.
Experian is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
I have a mortgage loan with US Bank. In XXXX, 2018, I sent a letter to US Bank requesting cancellation of my PMI. In previous correspondence, US Bank informed me that I would need a current appraisal to cancel my PMI. In the letter they sent me, they informed me that the estimated appraisal fee would be {$1300.00}. The letter indicated " if the cost is less, we will issue you a refund or you may request the overpayment be applied as a principal curtailment. '' I sent them the check and a letter requesting to move forward with the PMI cancellation process. In my letter, I also indicated that an appraisal in my area only costs around {$800.00} so I expected a refund of the difference. The appraiser completed his inspection in XXXX and sent the report to XXXX. When I talked to US Bank about this, they informed me that they use XXXX for appraisal ordering. 

In XXXX, I called US Bank to inquire about when I would expect the remaining money to be refunded. I was informed by US Bank that the invoice they received was for the full {$1300.00}. I immediately contacted the appraiser and requested the invoice. I have worked in the XXXX XXXX in my area for 20 years and had never heard of a single family appraisal costing {$1300.00}. The appraiser told me that he couldn't give me a copy of the invoice, however, he also informed me that he did not charge more than {$650.00} for the report. I have included his fee schedule that is consistent with his claim. I called US Bank and presented them with this evidence. They reiterated that the invoice they received was for the full {$1300.00}. I requested, in writing, confirmation from US Bank that their invoice was in fact for the full {$1300.00}. I have also included this letter. 

It appears that XXXX paid the invoice from the appraiser for {$600.00} to {$650.00} and kept the remaining {$730.00} - {$780.00}. The amount that XXXX kept was more than twice the amount of the actual appraisal. I believe that I was intentionally misled during this process. There should be no reason the fee for this service should cost more than 100 % of the actual cost of the report. 

I have attached the following documents to support my complaint : PMI cancellation instructions from US Bank Request for cancellation from me to US Bank Fee confirmation letter from US Bank Fee schedule from the appraiser Copy of page 1 and 4 of my appraisal to show the client who ordered the report
Hello, I took my car for service to mechanic to repair the heating system, since I was not getting heat in my car, so the car repair guy asked me {$660.00} for repair. 

He took my car and I do not know what he did, but later he gave me car back saying that everything is take care, heating is repair, so I gave him my debit car for charge keeping in mind that if he did not actually repair my car, I can claim the money back from him, or if he denies, I can claim it with bank, Since bank say that they will offer a dispute resolution for the service not received and will give me my money back by taking it from merchant in case if he actually did not repair my car. And finally the car was actually not repaired and the heating system is the same since the same day he gave my car back to me claimed to be repaired. I asked them refund, they said no, I contacted my back, waited for a whole month sending them documents what they need, and finally the back declined the claim saying that I need to contact the merchant, when in fact if it was the case, why the bank make me struggle for a whole month and asking documents and wasted my time. Due to heat problem, I had a XXXX problem in my XXXX due to driving in cold, I spent a good money for no or zero service. 

Bank Name : Chase Bank Claim Number : XXXX Ban Call Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) My Account Ending in : XXXX Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX Disputed Amount : {$660.00} Thanks!
Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to
I have an installment loan with Navy Federal, which I have had for over two years. I make monthly payments and occasionally, when I am unable to pay on the due date, I call and schedule the payment to be deducted from my checking account within 30 days of the due date. My loan payment is due on the XXXX of each month and my paychecks are deposited automatically to my account every two weeks. 

In XX/XX/XXXX, we were unable to pay the loan within 30 days but I knew that I would be able to pay it on XXXX XXXX ( my next pay day ). On XX/XX/XXXX, Navy Federal deducted the XX/XX/XXXX payment ( {$1600.00} ) from my account automatically as soon as my paycheck was scheduled to hit my account. Then on XX/XX/XXXX, they deducted another {$3200.00} from my account automatically and applied it to the loan for the payment due on XX/XX/XXXX and XX/XX/XXXX. This was done without my authorization and without notice. 

A brief search online reveals that this pattern and practice is rampant by Navy Federal and they routinely access their customers ' accounts to make payments on Navy Federal loans, advising that this was a term of the loan when we entered into the loan years ago. I have now spent 5+ hours on the phone with various representatives to try to have both the XX/XX/XXXX and XX/XX/XXXX payments reversed immediately. But the bank refuses to issue a refund for the XX/XX/XXXX payment ( today is XX/XX/XXXX ) citing that my loan is past due. Note - they deducted the XX/XX/XXXX payment from my account the day after the due date. It took me four hours to get them to reverse the XX/XX/XXXX payment, which again, they applied a full month before it was due. 

I am on the phone with them yet again and it is unreasonable to expect anyone to have to spend over five hours resolving an issue like this. In addition, this is not the first time this has happened. I have scheduled payments with Navy Federal and their system would still sometimes go into my account and withdraw funds to pay a loan. I would expect that the bank would be required to notify customers BEFORE withdrawing funds from their account, even if the bank believes it is entitled to such funds. They can reach me by email and phone, yet I received no messages indicating that they were going to withdraw over {$4000.00} from my account in a 24 hour period. 

Perhaps the most frustrating thing about this matter is that it appears that supervisors are unwilling or unable to ever get on the phone to assist a consumer. They are nameless, faceless and voiceless people, who send their responses through the front line representatives even when the decision being made is unreasonable and unfair to the consumer. 

I ask that you look into this as soon as possible.
On XX/XX/2018 Chase Bank Was Served Documents By Certified Mail through The USPS. The Documentation That was Submitted To Them Along With A Recent Submission Of More Documentation By PDF through The CFPB System Containes More Then Enough Proof That Their Attempt At A Foreclosure On My Home Is Illegal And A Criminal Offense Of Grand Larceny. This Attempted Theft Of My Home Is In Violation FDCPA 15 US CODE 1692 SENTENCES 1 AND 4, AND CHASE BANK ALSO IS IN NON COMPLIANCE WITH SECTION 809 VALIDATION OF DEBTS AS THEY HAVE NOT VALIDATED THEIR DEBT ATTACHED TO MY HOME.. BECAUSE THEY CANT. I SUBMITTED THE IDENTITY THEFT FORGERY QUESTIONNAIRE WITH SUPPORTING DOCUMENTATION FROM LAW ENFORCEMENT AND CONTACT INFORMATION FOR THE DETECTIVES IN THE COMMERCIAL CRIMES DIVISION OF THE XXXXPD AND CHASE BANK HAS ILLEGALLY REFUSED TO ACKNOWLEDGE THE FINDINGS OF THE INVESTIGATION! CHASE BANK IS ENGAGING IN CRIMINAL NEFARIOUS ACTIVITIES IN MY CASE. THIS CASE WARRENTS REVIEW BY THE CFPB REGULATORS AS THERE ARE OBVIOUS NONCOMPLIANCE ISSUES IN MY CASE AS WELL AS CRIMINAL BEHAVIOR EXHIBITED BY CHASE BANK OFFICIALS. ENFORCEMENT IS IN ORDER AS IT IS OBVIOUS CHASE BANK HAS NO REGARD FOR THE LAW OR REGULATIONS THAT ARE SUPPOSED TO PREVENT DECEPTIVE CRIMINAL ACTIVITIES BY LENDING INSTITUTIONS AND BANKS.
sent ftc of inaccurate information showing up on credit report XXXX, Transunion, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
I currently have an auto lone with the company GM Financial, and even though I am slightly behind, I make my payments and even after making a payment, I will receive in excess of 6 or more phone calls a day sometimes more from them. I receive calls as early as XXXX on some occasions, on Sundays, later at night sometimes. It 's relentless harassment and I 'm less than a month behind! They really crossed the line when I found out they have been calling my ex girlfriends fathers ' home line with which I never listed him or his phone number as a reference so how they got it, and why they are calling it leaving me messages there is beyond me. This relentless consumer harassment is uncalled for and needs to end. They call from many numbers, but the most common are XXXX, and XXXX.
IQ Data International. Spoke to a XXXX XXXX I specifically asked for documentation to back up debt itemization, he claims they sent it to my address, and it was signed by post office delivery, don't remember receiving this. I also got one letter from them 2.5 years ago trying to resolve the debt with a one time payment of {$1500.00} and they also told me to have someone else pay it or get my credit card they noticed I had credit on my cards to cover a said amount at time sounds fishy to me. I'm not paying a debt that has no documentation. So I called the original rental company no one has any records company doesn't exist anymore, nor did I ever get a bill from said company. XXXX threatened to sue if I didn't pay by the end of the day and this debt keeps getting reported and adding interest on my credit report. It's causing me problems with insurance hikes loan hikes and getting a job or moving. Funny when all of my bills are paid on time perfect credit history and these people are the only ones on my credit trying to make me pay a debt with no documentation.
XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from American Express pulled my credit report. I am a vicitim of identity theft. I called American Express on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )
I deposited two checks into an ATM from my employer today, XX/XX/XXXX. One check was for {$54.00} and the other for XXXX and cents. After the checks were deposited, I received a message from the ATM telling me that my {$2100.00} check was on HOLD. I quickly went into the branch to ask that I get my check returned to me and to question why my check is on HOLD if my account is current and I have been a member for years. I was told that the Branch has " NO '' ACCESS TO THE ATM '' S machines outside of the bank and I would have to call a 1800 #. This is ridiculous. So, I asked that I wanted my checks back and how is it that the branch does NOT have access of the ATM 's sitting outside of the branch clearly labeled " Bank of America '' .. I assume that the correlation has some relation to the Branch that is attached too. I asked to speak with a manger, I did and I was told they couldn't help me. So, here I am, a single mother with a {$2100.00} check, I need gas, groceries, I need to pay my bills and the bank has held my check " hostage '' because the check from my employer was needing to be verified. The verification of the check is NOT a problem, BUT the fact that the branch is not able to return my check is major problem to me. I am a single mom and no way to feed my child or put gas in my car SIMPLY because my BANK OF AMERICA.. ATM machine has kept my check, did not tell me in advance it was going to place it on hold or that the Branch has no correlation with the ATM 's machine 's outside of their XXXX, TX Branch on XXXX XXXX . I work with policies and procedures with Banking, I asked to see the bank 's disclosures and wanted to know where in the disclosures does it make me aware that if I deposit checks into the banks and a hard hold is placed on the account for a certain amount of time, that my check is not able to be returned to me .. so I can make other alternatives to myself. For now, I am held HOSTAGE by Bank of America for food, gas and any living expenses I have until first, the Check can bee seen ( because they can't see the check that was deposited ) and two wait until they can actually help me! This is absolutely ridiculous. I was provided with the XX/XX/XXXX Disclosures for the bank, I was told to read page 30-33 and I said " I must be stupid, because it surely does NOT disclose to me that the branch can not access the ATM, can not see the checks that I deposit, etc. " ..I said, this is exactly why Banks get sued, because we the consumers are NOT told or made aware of XXXX like this. So, for now, I have no money, they can't give me my check and I'm left to figure life on my own for the next two weeks.. until my check clears. Please call me or assist me with this issue, my name is XXXX XXXX and I can be reached at XXXX ; email ; XXXX. 

Thank you. 

XXXX XXXX XXXX.
I was contacted by Rash Curtis & Associates about a debt owed to XXXX XXXX XXXX. I informed the person I was speaking to that the debt was paid. The representative of Rash Curtis refused to confact XXXX XXXX to confirm payment even though I provided them with the time and amount of payment. Instead Rash & Curtis threatened me by saying that they will report what they believe to be my lack of payment to credit reporting agencies. I continued to tell Rash & Curtis that the debt was paid when the invoice was received. 
I spoke to another employee of Rash after realizing that the first employee was not interested in helping me resolve the matter. The second employee of Rash was also rude and disrespectful. While I understand that they are dealing with people who have not paid bills, in this instance the bill was paid. 
They are terrible in terms of their treatment of people and are not looking to help find ways of resolving issues. They refused to confirm with the originator of the debt that the debt was paid. It was n't until I spoke to a manager that I found someone willing to help resolve the matter. I called the place where the debt originated and they confirmed payment. Weeks later I received notice that Rash was able to confirm payment of the debt.
First off I was in the process of re-finance my home. I was taking equity to pay multiple loans off including Navient ( my student loan ). In order to close my title company needed a written pay off amount from NAVIENT. It became very difficult to obtain one. It pushed my closing date back just because of this. I had tried multiple times and so did my mortgage company. Was very frustrating and it seemed as if no one has ever paid a loan from NAVIENT in full. On top of that my balance went from XXXX to XXXX in less than 2 weeks.
Got behind in our payments, Owcen offered to do a loan modification under HAMP, but would not disclose the terms until we signed the paperwork. We did not actual fill out an application, only the form that says we are not trying to defraud the government. Received the loan modification papers today, and they did lower payment from XXXX to XXXX and also lowered rate from 8.5 to 5.0 on our {$120000.00} mortgage ( our home is worth about {$300000.00} ). They included a BALLOON payment at the 214 months end of the loan term for {$90000.00} which means we are really refinancing {$120000.00} + {$90000.00}.. This seems outrageous and should be illegal if it is not, especially using GOVERNMENT FUNDS to finance this loan. Please investigate!!!!.
I wired from XXXX XXXX XXXX {$7600.00} to Coinbase on XX/XX/2017. Its been over a month and it has not been posted to my account yet. I have called my bank and their bank and they said it has been sent to coinbase already. I have sent 3 emails to XXXX, as directed in their recorded message, but there is not a single response. Please help me to recover my money. Thank you in advance.