WillisBack/dataset-financial-user-claim huggingface dataset:
BackGround : I provided a real estate agent with XXXX cashier 's checks to help my son move into an apartment. Both checks were made payable to the apartment management company. The agent rented the apartment to someone else. I made an inquiry to my bank about the checks and they told me they had been paid. 
I contacted the apartment management company to ask them about the situation. They knew the agent, but had no knowledge of the checks and never received the funds. The bank was able to obtain copies of the checks and from them they determined the checks had been negotiated in a Citibank branch without having been endorsed on the back. 
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee '', returned a notarized affidavit to the bank, which, in turn, contacted Citibank to ascertain who negotiated the checks, and into what account the funds were deposited. 

Issue : Citibank refuses to respond to the Fraud Inquiry from my bank.
My issue is lending tree was who handle all my home buying and assist for all kinds of situation about rates or low price and affordable for monthly payment procedure. And I need to moving process to start and guide me a soon as possible actually I got a call early and asking me about home, it 's a lender mortgage but a want lending tree will participate for conversation to negotiate in my behalf.
Flurish, Inc dba XXXX ( a payday and installment loan company ) has been threatening collection actions for XXXX loans which I never applied for, never received any funds for and in spite of my efforts asking for corrective actions to be taken, has not resolved the issue. I was emailed an electronically signed agreement ( which I never signed ) with address information, bank account and bank routing information that does not belong to me. I notified them of this but the issue still remains. I live in XXXX, XXXX and the agreement is for someone in XXXX XXXX, XXXX. Copy of the agreements they emailed me are attached. none of the information is correct.
On XX/XX/XXXX I spoke with XXXX XXXX at Quicken Loans to go through with an application process ( since we had an accepted contract for home purchase ). She advised me that they would deduct {$500.00} from my bank account via debit for the appraisal that would come off closing costs. I agreed to all of this and she then sent me to XXXX XXXX. At XXXX on XX/XX/XXXX, I sent XXXX a text message stating that I no longer wished to continue my loan process with them, that I wanted to utilize a local lender and to cancel any appraisal that could be in the works ( although this was all the same day ). On Monday XX/XX/XXXX, {$500.00} was withdrawn from my account. I emailed both XXXX and XXXX and stated that I'd like that money refunded and my loan withdrawn. That I contacted them on Friday and ultimately they never should have taken the money. XXXX told me that she would cancel and refund me. On Wednesday XX/XX/XXXX, my current loan company told me that my loan was still in process with Quicken and that they needed to withdraw a specific loan number for them to be able to continue. XXXX was out of the office, so I spoke with a XXXX XXXX. He kept asking me why I wanted to cancel since all my paperwork was already submitted and switching now could jeapordize my close date. I stated that at this point, I wouldn't do business with their company just because of the way they do business. If I say cancel, I mean cancel. It shouldn't be that hard. He told me that he'd cancel and I'd be refunded minus any 3rd party fees. That same evening ( XX/XX/XXXX ) I received an email from Quicken to check out my appraisal. So now I know that I'm not going to be refunded since they had the appraisal done. Although I did tell XXXX that I shouldn't be on the hook for an appraisal they ordered after I'd withdrawn my consent. - This is a FHA appraisal, and I'm going with a conventional loan, so this appraisal doesn't do me any good. I can't use it. Nor should I have to be responsible for an appraisal dated XX/XX/XXXX when I canceled on XX/XX/XXXX. I reached out after I received the appraisal to XXXX and XXXX stating that I still wished to be refunded and wanted the names/contact information to supervisors/managers. They will not give me any other contact information but XXXX did state that she was under the impression that my loan was withdrawn and I was to be refunded per our XX/XX/XXXX conversation. I am not sure who else to contact to resolve this issue, but I want to be refunded from this predatory lender who doesn't do whats asked of them. Thank you for your help with this.
A fair and reasonable outcome. Corrected and updated credit report, assistance with locating the vehicle, explanation as to why they insisted a tracking device be placed on my vehicle before I could drive it off the lot and reason that they are now saying that was not part of the contract yet I had to pay extra to have it installed and to drive it off the lot. They even denied my request to waive that as a funding condition. They have also denied my requests to have the vehicle located. All negative remarks need to be corrected and at this point since I am not able to locate the vehicle I need to understand the legal aspect of this so perhaps mediation would be a positive solution. Initially, I just wanted to negotiate the additional interest that was added on to the loan. The principal has all been paid off. The additional interest is in the amount of around {$200.00}. They have refused to discuss or entertain any reasonable solutions I have attempted. Again, the principal is paid
This is now the third time in the past year that either my husband or myself has n't been able to get our free annual credit report on-line. This time, it was the Equifax report -- their web site says " We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet '' and I have to do it by postal mail. That 's a huge amount of additional work, plus some expense -- and there 's no explanation what-so-ever of why I could n't get it online. Each time we 've gotten that message in the past, once we finally got the report, we checked it carefully, and found no errors which might explain why the on-line request failed. So now I 'm told I have to go through that process all over again to get my report. There should be some way to find out why the on-line request is failing, so it can be fixed. ( I 'm beginning to wonder if they make it fail, so they do n't need to supply the report at all -- I 'm sure thatmany people, when faced with what needs to be done to get it mailed, just give up. )
1. Bank of America need to my mortgage loan history back on my report. 
2. XXXX needs to remove the credit line they are reporting. 

As per the credit report, the last date Bank of America reported data to the credit report was XXXX XXXX. 

On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on the property. 

From XXXX XXXX through XXXX XXXX, there has been no data reported on Loan XXXX. 

On XXXX XXXX, XXXX began to report adverse and incorrect information referencing loan XXXX. I have never executed any loan agreements after the foreclosure sale on XXXX XXXX, XXXX. Bank of America and XXXX are colluding and conspiring to collect a debt without any authority.
I applied an American Express Platinum Credit card, during the promotion of XXXX for {$3000.00} purchase in 3 months. I spent more than XXXX and got the XXXX, However, I found AMX took it aways on XXXX/XXXX/2016 and nobody can help me. The customer service gave me a XXXX number but again nobody knows what is going on.
I believe that Chase has improperly applied payments to my credit card in the wrong order. 

This has happened twice. I had a promotional balance of some thousands of dollars at XXXX % interest, and an purchase balance of a smaller amount for about XXXX %. When I made a payment, Chase split the payment according to the percentage owed so that not all of the purchase balance was paid off and accrued interest. According to the XXXX of XX/XX/2009, XXXX Chase ought to have applied my payments first to the high-interest balance, then to the XXXX % interest balance. 

I should add that the clarification relating to deferred interest payments does not apply in this case, because I was also not anywhere close to the last XXXX billing cycles preceding the expiration of the deferred interest period.
While still in school I was given the option to put my loan in forbearance by XXXX. I was not told that interest would accrue. No one explained the implications to me.
I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX and Transunion reports immediately.
Amsher Collection Services  is attempting to collect a debt that they claim I owe to  XXXX . My account with  XXXX  is current and I do not owe them {$1500.00}, as  Amsher  is claiming. Amsher does n't even have a file number for this alleged debt.  Amsher  has not sent me correspondence or invoices in attempt to collect this alleged deb t. Amsher has ne ver contacted my by phone, email or mail with regard to this alleged debt. The only reason I know  about Amsher is  that I just happened to check happened to check my credit report last week and saw that they had placed this account on my credit report. They claim that it 's been since  XXXX   2017  but I have never received anything from them.
I moved from XXXX to XXXX in XXXX. I opened a bank account under Huntington National Bank because there were 0 XXXX XXXX XXXX XXXX  in the state of XXXX. I moved back to XXXX and closed the account in XX/XX/XXXX. They even sent me a check for the remaining balance in my account! 

But twice the bank has called randomly demanding {$150.00}? And saying that my closed account I literally can not even view anymore has insufficient funds and piling up late fees. Im furious. Ive called 8 times and everytime someone assures me the it should be fixed now. Ive absolutely had it, and know 200 % I owe them nothing. This is a complete scam and Im literally not tolerating it for another minute.
A CSR from Titlemax in XXXX, TN has broken the privacy policy. She took the title to my vehicle, the first page of my contract ( with my personal information on it ), and a letter from the state of TN denying their request to be made lien holder on my title to XXXX XXXX telling them to fill out a discharge of lien paper and give it to her because when XXXX XXXX released the lien on my title the store associate had not put the date next to her signature. The XXXX XXXX employee that the Titlemax CSR spoke to when she took the papers into the office saw all of the information on the contract page because the CSR laid the papers down on the counter in front of her and said that my name was even highlighted on the paper. I used to work XXXX the Titlemax employee went to and the XXXX XXXX employee she spoke to was XXXX and she now knows not only that I have a loan with Titlemax, but she saw all of the information on the first page of my contract twith them. I can not even begin to explain how embarrassing this is and how upset I am about my private information being shared which is a clear violation of the privacy policy that was explained when the loan with Titlemax was established. The XXXX XXXX employee explained that she could not give a discharge of lien to anyone other than myself or the state of TN if requested because of privacy laws in TN, and then contacted me to let me know what had happened.
My ex-boyfriend called XXXX XXXX to schedule appointments for my children whom I am the primary custodial parent. He never took the children to the appointments because they live with me. I did not know the appointments were scheduled and as a result i was charged no show fees of {$50.00} each. I never authorized XXXX XXXX to see my children or make appointments without my consent. Additionally I was charged {$50.00} I believe for medical records that were never faxed to the other medical provider nor do I wish to have the medical records sent again. As a result of all of the medical malpractice problems I have decided to not send my kids to XXXX XXXX anymore. 

Currently I am being billed for {$250.00} from XXXX XXXX and this is negatively reporting on my credit report.
XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.
I was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.
I got sued by my landlord for electricity bills and the matter got settled and fully paid. Several months later a company called XXXX which is based in Texas and provides the service of splitting electricity bills among roommates, that company filled for collections of an electricity bill. 
The company does not have ownership of that account nor did they ever pay the electricity bill nor is it within their services. Whenever a bill is not paid, it is forwarded to the landlord who in turn collects their debt since they are the ones who actually pay the city for electricity Bills. 
The claim is completely fraudulent and after contacting XXXX several times thy still refuse to remove the collections claim even though they never paid the bill nor do they that.
I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.
I subscribe to XXXX XXXX which is a joint venture of XXXX XXXX and Equifax. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - XXXX XXXX and Equifax respectively ''. 
Lender pulls my credit and the scores are XXXX XXXX XXXX a XXXX point difference and XXXX Equifax a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.
I went to the JP Morgan Chase branch, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, New Jersey XXXX on XXXX XXXX to ask for a refund of a balance of {$220.00} on my XXXX XXXX XXXX credit card that I had previously closed. XXXX the supervisor at Chase Credit Card promised me and the branch manager that the  refund check would be overnight with the latest delivery date being XXXX XXXX. The refund check never arrive. So I again visited the branch, this time on XXXX XXXX. Again the branch manager called Chase Credit Card and was told the check had been cut on XXXX XXXX and would be sent by XXXX 2-day delivery! The check never arrived in 2 days. I visited the branch bank on XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. No one knew where the check was! 

The refund check arrived at in my mailbox on XXXX XXXX. I promptly deposited it in my new bank. Today I learned from XXXX XXXX XXXX of the Executive Office of Chase Credit Cart that JP Morgan Chase had put a stop on this refund check and had issued me a new one to arrive in 7 to 10 business days! But XXXX XXXX XXXX had never informed me about the stop on the refund check. And so my new bank charged me {$20.00} for the refund check return. 

I called XXXX XXXX this afternoon and asked her please to sent me a check for the {$20.00} and for the {$220.00} overnight as I have great need for it as I many times told JP Morgan Chase. Even indicating that " time is of the essence ''! 

Additionally, Chase Credit Card notified me earlier on XXXX XXXX that it was closing my JP Morgan Chase checking account on XXXX XXXX. No explanation or reason was given. This was arbitrary and capricious. 

But making matters worse is that my Social Security monthly deposit in which I depend will be deposited on XXXX XXXX the fourth Wednesday in the month. I pleaded with XXXX XXXX to extend my JP Morgan Chase checking account privileges until at least XXXX XXXX so that I could receive my vitally needed Social Security monthly check deposit. 

XXXX XXXX said that she could not guarantee extending my XXXX XXXX XXXX checking account to and through XXXX XXXX. I said what happens then? " The Social Security check will be returned to Social Security ''! This is a very cruel answer because I had told her several times I need this Social Security monthly deposit to pay my bills, that I depend very heavily on Social Security to get by! 

So now I face not having my Social Security check deposit this XXXX XXXX. 

XXXX XXXX told me to contact Social Security. But the branch manager in my  new bank in checking the rules and regulations of Social Security told me that the date had passed when I could change the bank for deposit of my Social Security monthly check refund for XXXX XXXX. The earliest month is XXXX XXXX! 

So I am will be out my Social Security check deposit for XXXX and do not have the {$220.00} refund I had repeatedly requested in 7 visits to the JP Morgan Chase branch, in 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase, and in many telephone calls! 

A very difficult situation for me a senior citizen aged XXXX and a Social Security beneficiary who relies very heavily on Social Security to pay my bills!
As of XX/XX/2018, EQUIFAX is SOMEHOW keeping a FRAUDULENT address on my credit report, None of the other CREDIT REPORING AGENCIES, XXXX OR XXXX have this address on my reports as you will see with the ATTACHED PDF DOCUMENT. I am DEMANDING that they PERMANENTLY REMOVE this FRAUDULENT address from MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Again, the above is an ADDRESS I never lived! & needs to be PERMANENTLY DELETED!
On XXXX XXXX, XXXX I was notified that my personal information including name, credit card information, and social security number were acquired illegally and without my consent or authorization from Equifax. This information could be used to harm me financially for the rest of my life, but Equifax only offered 1 year of credit protection service provided by them. This is absolutely no consolation and inspires no confidence as they 've already proven they are incapable of protecting my information.