WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I have been trying to purchase XXXX XXXX XXXX XXXX XXXX NC XXXX since XX/XX/XXXX. I am a single mother of a XXXX year old little boy and have been without permanent residence for over 8 months now due to an unclear title on this home. XX/XX/XXXX I went into contract with the seller, with an expected closing date of XXXX/XXXX/XXXX. A few days before closing my attorney tried to get title insurance and found that there was an additional loan of over XXXX on this home which is held by Chase Bank as well. These loans were recorded in XXXX County under Book # XXXX page # XXXX. My attorney reached out to the seller 's agent an after several days and phone calls to Chase Bank it was determined that the funds were owed and it became a short sale transaction. After waiting close to 6 months for the seller to be approved for a short sale, I was then told that my offer was accepted and to have my attorney request a second pay off amount from Chase Bank with an expected closing date of XXXX XXXX XXXX. My attorney requested the pay off amount again but received a call from the seller 's listing agent explaining that Chase contacted him, and told him it was not a short sale after all. My attorney at this time became uneasy because the title still shows a note of the additional loan and was told by the title insurance company that he would need something in writing from Chase explaining the pay off amount including both loan amounts. On XXXX XXXX XXXX fours days past my second missed closing date the sellers agent contacted my agent explaining that he and someone at Chase was working to get it corrected or something in writing so that we can close this deal but it would take 10 business day to do so. At this point my lender has given me until XX/XX/XXXX to close or my loan approval would expire. I then had to write a letter to me lender asking for more time and was granted until today XXXX/XXXX/XXXX to close. Two days ago my agent receives a call from the seller 's agent explaining that XXXX XXXX XXXX at Chase was working on it and was waiting on USDA even though Chase bank holds both loans. This is now the third closing I have missed and my loan approval will expire. I have invested money for XXXX appraisals and over 9 months of time with this home and Chase Bank continues to provide and not provide accurate information to close on this home. I am coming to you for assistance with this matter. I do n't think that a company should be able to provide XXXX incorrect pay off amounts and then not do what it takes to correct it. I still want to purchase this home and need for Chase Bank to provide or correct the status of the XXXX loan listed on the title. Chase has sent in a payoff that would have covered the closing in XX/XX/XXXX while holding a second loan that was not covered and this is my complaint and concern. Is this legal? I have been without permanent housing for over 8 months with my XXXX year old son. I have given all I have in this situation and have nowhere else to go. Thank you for your time and assistance.
Hello. Please, help me. 
I won the bidding on Eby.com for an XXXX XXXX. ( XXXX XXXX XXXX XXXX Set NEW + Warranty ) ( XXXX ) ( Seller : XXXX ) The seller suddenly canceled the transaction on ebay. and sent me the Paypal invoice for {$500.00}. 
I felt a little weird but He tried to persuade me. anyway I made the payment via Paypal. 
But after getting my money, He went out of my reach and never reply me back. 
He is so suspicious. I think he is committing a fraud for getting my money, {$500.00}. 
By checking our message on Ebay, you can find it out. 

Please, help me.
I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!
I was contacted at work twice about a debt with Barclay Bank by their collection agency XXXX. I was told i had a debt of {$3600.00} which was {$840.00} over my credit limit. The account had been charged off but I only had a maximum delinquency of 120 days as reported by XXXX, but on XXXX it was reported delinquency for more than 180 days. These are inaccurate reporting. XXXX debt collector came to a settlement with me which I paid I was assured by the collector the account would be removed upon settlement, but after further contact they would just add a note on my report that it was paid, and would not be deleted this is misleading and violation of debt collection act. I later find out the original charge off was {$2800.00} as reported by the credit reporting bureaus. So i was lied to about the charge off amount when i requested validation I just received a paper with a balance on it and no account of the debt. That is not proper validation as required by the law, Their are too many inaccuracies i just want your company to delete the account of my credit report I have settled and made my payments. You can not mislead the consumers and have inaccurate reporting. On XXXX the charge off is still {$3600.00} updated charge off are not the same. Even with updated charge off my account should be settled and deleted like the collection agent said over the phone.
I have had two separate but similar issues with Navient that have resulted in them capitalizing interest on my account and it I worry that these issues appear systematic and designed. 
I am on an IBR plan and have been for the last 8 years. On this plan I have to submit two documents, my taxes and a IBR application, annually to keep my payment plan. In 2016, I submitted both of these documents and was notified shortly after my the expiration of my current loan period that the IBR application I had sent in was the previous years version ( although when I sent it, it was current ). I was informed that my correction was days late and I was left with capitalization. 
This happened again today. I sent in all my annual paper months ago. When I went to make a payment today I noticed my interested had capitalized yesterday. I called and they informed me that the upload of my document was missing a page. I explained that this error was on their end as my file is complete. I informed them that I could upload the file again today. They replied they the capitalized interest will not be changed. 
Both of these document issues resulted in approx {$40000.00} of capitalized interest.
In XX/XX/XXXX I helped my father find a credit report to check his credit score. Back then, the website was not clear that I was signing up for any recurring services. I noticed today, XX/XX/XXXX, that I had a recurring pending charge from Transunion which alerted me to investigate. I came to realize Tansuinon had been charging me {$19.00} since then, a total of 28 charges at {$19.00} totaling {$550.00}. Today I called Transunion and the first representative said he could only cancel the subscription and refund the previous month of XX/XX/XXXX. I called again and spoke to XXXX, empoyee ID # XXXX ; I explained to her the issue and advised she could verify I had no access to their portal ever since and did not have an intention to subscribe to their Credit Monitoring Service. She said she was only authorized to refun 11 payments and if I wanted more I would have to talk to a supervisor, which I did. Supervisor, XXXX # XXXX, said he understood the issue and said he can only refund half, 14 payments. He stated there was no one else above him that could help ressolve the issue further. They state that even through, indeed, I did not access their serice throgh their portal, my father still recieved credit monitoring and alerts in case of fraud. The email associating with the account was my email, and upon chekcing my inbox, spam, and junk folders, there isn't a single email from Transunion, therefore, I could not have known I was getting an unwanted service. XXXX claims emails were indeed sent. 

My online banking only allows me to search from XX/XX/XXXX onwards : XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00}
Chase Home Mortgage My mortgage was sold to Chase in XXXX of of 2018. It was set up with an escrow account and I am on time with my payments. I received a tax bill on my home in XXXX, 2018 and paid the tax bill on XX/XX/18. The check posted on XX/XX/18. I realized that I should not have paid the tax bill directly, that the payment would be made through the escrow account, and I called the tax office and asked the check to be returned. They received the duplicate payment from the escrow account but they returned my personal funds to Chase. Chase held back {$3000.00} and refuses to return my funds, saying they have a policy to keep a reserve of {$3000.00} in the escrow account. 

These funds were my personal funds that were duplicated by mistake to the county tax office, should not have been returned to Chase, and should not have been received by them, much less kept by them and not released to me. If they have a policy of holding additional reserves for escrow they should follow that policy and communicate with their clients not confiscate funds that were mistakenly sent to them. They refuse to release the funds back to me that were duplicated to the tax office and mistakenly returned to them.
I have sent letters making Transunion aware of the fraudulent inquiries on my credit report and they have not done nothing to properly investigate the matter or provide evidence to validate that the proper protocol was taken care of per the Fraud alert. 

There is a specific statement that states : XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I have asked them to provide proof that I was contacted per the statement. The only inquiry that would be valid would be XXXX XXXX XXXX on the credit report.
We paid of our credit card and I paid to much. I contacted to credit card company and requested a refund. The amount is over {$900.00}. For more than 2 months they have said its in the mail. We never received it. We keep calling they keep saying the same thing. We requested the mail it with a tracking number they refuse.we have asked to talk to higher ups, we give our phone numbers they repeat it then when they do n't call we call them and they say we have not working numbers. They have no record of our working numbers. They have offered no solutions and veto all of our solutions.
Dear sir or madam, XXXX XXXX has sold off this account to XXXX XXXX. I had already paid XXXX XXXX and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. Equifax need to deleted XXXX XXXX  off my account too.

Thank you!
About 5 months ago I received a call from XXXX credit saying that I owe {$600.00} and they were a debt collector. I told them I do n't know that company and it seems like if I owe money to some creditor I would be getting bills for it and I never have. She wanted my bank info which I refused to give. She said I would be sued if I did n't pay. I asked for their address and told her to send me documents to prove I owe it. And if I see that I did I would send a money order. She said they could n't do that and I would hear from their lawyer. Well I looked up XXXX XXXX and saw a bunch of complaints and saying they are scammers. So I did n't worry about it. Well today I was left a recorded message that said this call is from Eaton Group Attorney 's and this call is from a debt collector for me to call back. Which I did n't yet. Should n't they show me proof that I owe this. I have no recollection of owing money to this company. I 'm not even sure if Eaton Group Attorney is talking about XXXX XXXX. ( For the question " Which of these best describes you issue ''? The answer is just that they threaten to sue me not that it 's an old debt because I have no idea what it is. ) Thank you
Trans Union must follow provisions of the Fair Credit Reporting Act ( FCRA ). It must follow FTC regulations where applicable. On XXXX XXXX, XXXX, I called Trans Union to request that they remove XXXX hard inquiries that appear on my report. Specifically, I requested that they remove XXXX XXXX ( XXXX XXXX, XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also asked that they remove a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). Both XXXX XXXX and XXXX XXXX were not aware and not willing to provide additional information. However, Trans Union placed the obligation on me, the consumer. The representative at Trans Union stated that a consumer must document why an inquiry is wrong. In other words, a business entity that conducts a hard credit pull is not obligated to document why that was done. In cases where such a hard pull is erroneous ( for whatever reason ) it is simply not possible for a consumer to document how that occurred. In fact, it is not possible. My understanding of federal consumer protection regulations is that all three Credit Reporting bureaus must investigate a matter and must remove erroneous information. The consumer, pursuant to federal rules, is not defenseless and it is not correct to state to a consumer that Trans Union " can not remove or investigate an erroneous matter. '' Please assist.
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that requires immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/ and XX/XX/ > I have disputed these unauthorized inquires for several months with no help from the XXXX XXXX XXXX. I was told, this is a third party service for a XXXX XXXX and I needed to contact this company. I have sent letters to both companies with no response. I am tired of being put off and given the run around. I am not a veteran, I did not apply for a home loan, and I did not authorize anyone to pull my credit for any reason from these companies. My credit report was pulled twice with this company and I would like these unauthorized inquiries deleted from my credit file with all three credit bureaus immediately! I have also filed complaints against XXXX XXXX XXXX. I need these fraudulent unauthorized inquiries off my credit report.
I Was paying through XXXX and next thing i lost my job I could n't afford it? Then got a Job as a XXXX n my boss tells me I 'm getting garnish from Some Student loan I owe and this was back in XXXX and now! I 'm still paying plus getting harrassed with phone calls from Navient
I took out my first Loan with 1st Franklin around XX/XX/XXXX in the XXXX, GA office in an attempt to build/re-build my credit. I XXXX XXXX up front if they reported to the Major Credit Bureaus and if this would help build my credit! She advised me that they had gotten in trouble regarding the FCRA but that was almost settled and that they were supposed to be back reporting before the end of XX/XX/XXXX and that there WOULD retro back to the inception of my loan and report it accurately on my credit report! I made my payments on time or early each month until XX/XX/XXXX - when Inpaid the loan off in full!! 

I then went back in XXXX of XXXX and took out a second loan and while speaking with the SAME employee ( XXXX XXXX ), I asked her about their credit reporting and asked why it had not reflected on my report that Inpaid my last loan off in XX/XX/XXXX!? She then advised me that they had experienced a setback and ensured me that they would be reporting by XX/XX/XXXX and that ALL of my loan information would be reported at that time!! 

Skeptical but desperate to get my credit built I proceeded with the loan! Several months go by and I experience some financial hardship due to some major medical issues and almost loose my car and was forced to get behind on my loan with 1st Franklin! Several more months go by and just out of curiosity, I pull my credit report and see that not only had 1st Franklin NOT reported me paying my first loan off early or at all for that matter but they had reported the a delinquent loan for the months that I had gotten bond on payments!! I had another loan with a different company in XXXX of XXXX that I paid off at the same time I paid 1st Franklin in XX/XX/XXXX and they had reported the loan paid off in full early but first Franklin seem to PICK & CHOOSE what they want to report to the credit bureaus!!!! 

I dont know if that is legal or not but it is DEFINITELY not fair practice and I feel that if they are going to report to the credit bureaus, then they should be required to report EVERYTHING and not be able to discriminate by picking and choosing what they want to report and hurting consumers credit scores!!!!
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I  have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
the better business bureau referred me to CFPB because the problem goes back to  XXXX . Equifax refuse to correct my credit report and score, my credit score was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late, Equifax reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report fo r ten  years, I contacted the credit grantor and they said they would report the credit file to Equifax but to date, my score has not changed.   I want Equifax to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my credit score, I need help!
Equifax is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. Equifax is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Mortgage was refinanced. I paid for an appraisal which came back value XXXX agent appraisal. The refinance was Based on XXXX. After a Va appraisal was done again it came back at XXXX an the Appraisal guy stated to me I had XXXX equity At the closing the agent did n't show up an I was Ripped Off! XXXX XXXX XXXX agent XXXX XXXX changed the paperwork an I sat there alone at the closing unaware. To my knowledge everything was based on XXXX!
i call and they said that I has to call XXXX, when I call XXXX they said that they not have a inquiry in my credit report
I wanted to switch to a different card ( to Visa Cash Wise from Visa Signature ) offered by Wells Fargo in XX/XX/2017. Wells Fargo was not willing to switch the product, but rather had me open a second card Now I have the problem, that the new card has a rather low credit limit of {$3800.00}, whereas the other one has a credit limit of {$5000.00}. I would rather have the credit limit on the older card reduced ( e.g. {$1000.00} ) and transfered that credit limit to the Visa Cash Wise. 

I have called Wells Fargo, but they are not willing to accomodate that request. I don't really understand why, as there would be no change to my overall credit line
On  XXXX   XXXX  i went to buy a new toyota   XXXX   and i was ripped. I have asked why they sold me a truck that was  XXXX   XXXX  and gave it to me for  XXXX  they told me it was so help with my credit but i have perfect credit
Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX this is not my address on my credit report nor has it ever been. Experian has wrong address created that are not my address or belong to me in my name. 

It makes no sense of wrong information of address that have not ever been mines and have multiple address showing or created.
On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015.
XXXX  is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. XXXX   removed it 4 years ago, and is not removing it this time.