WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to recover my car from Chase Bank and XXXX XXXX in XXXX Ohio. The tow company told me to contact the bank, and that XXXX XXXX was open until XXXX everyday Monday through Friday. We made a payment on Friday, XXXX XXXX, XXXX for the rest of the car at the price of {$4700.00} at XXXX right when the bank opened. Chase had then called XXXX XXXX  to release the car and that I should wait 15 minutes before contacting them to pick up the car that day. I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, and left 6 voicemails, along with an online submission to schedule a pick up for my car. I had no contact back. 
I did not call Saturday, Sunday, and Monday because they were closed. 
Today, Tuesday XXXX XXXX XXXX, I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I left 6 voicemails as well, making a total of 12 voicemails. 
I called chase several times to see if they can get in contact with the company, they said they are attempting to. I need this to be resolved ASAP.
I used PNC Bank. On XXXX2016, I ordered a check to be sent to my landlord, XXXX XXXX from PNC via their bill pay service. My landlord contacted me on XXXX to say she never received the check. The check was cancelled, but two days later it was found to have been cashed at a XXXX back. I had to write another check to the landlord to cover the rent. The dispute process was started, my landlord signed an affidavit and had it notarized stating that she never received the check. The check itself was cashed at a XXXX bank, and it was endorsed with my name ( XXXX XXXX ) as an obvious forgery. Clearly whoever cashed the check did not check for identification. PNC stated that the needed 4 months to complete the invesitagation, which was on XXXX/XXXX/2016. There response was that they had not heard anything from XXXX bank, and they suggested that I contact XXXX bank to solve the problem. I do not have any connection with XXXX bank. I followed PNc bank 's process to the letter, and I have done nothing wrong. Dispute number : XXXX Spoken to XXXX XXXX in customer service online message center.
XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..
To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.
I disputed fraudulent transactions on my Chase debit card. They initially credited {$110.00} and {$24.00} to my checking account, then reversed the credit. They gave no explanation for the reversal. Account number XXXX.
My name is XXXX XXXX and I reported a fraud charge of {$500.00} with my Citi Thank You Preferred card. Looks like some one used my card at the XXXX XXXX branch or ATM for cash advance. At first I was told by Citi bank that they are going to give me credit back but recently they reverse the charge without any resolving letter sending to me. I have never in my life use a credit card for cash advances. 
I want Citi bank to provide me the proof of their investigations. I want them to resolve this issue as soon as possible as I am not willing to pay a penny toward this transaction.
Professional Credit Management did not provide adequate verification of debt in question. No documents were provided showing a signature or contract.
We received a payoff that had an amount good through XXXX XXXX, 2016. The full amount of funds were wired to Carrington Mortgage CA XXXX. Their company did n't upload the correct amount of funds-they uploaded a smaller amount and rejected the payoff. When title and I called they could n't give us an amount and kept saying it was in foreclosure. I was referred to a lady XXXX, their attorney, who stated it was not in foreclosure and no additional fees had been assessed. Carrington Mortgage has added an additional {$800.00} in fees they ca n't explain to me what they are for. They will not release the house or take the funds unless we pay this amout. The home was never filed to be in foreclosure. They are also now charging us additional days that they returned the money for but they never even uploaded the correct amount on XXXX XXXX. Today is now the XXXX and they are still charging us because they wo n't accept the funds. Title sent them the exact amount on this payoff Carrington Mortgage provided ... giving the balance through XXXX XXXX but to add {$26.00} per day until the XXXX. As I stated the funds were wired XXXX XXXX in the amount of {$200000.00}. Carrington Mortgage only uploaded {$200000.00} Then stated it was n't enough to payoff and returned all funds. The loan is still accustoming interest as I type this though we sent balance in full almost a week ago that they refused.
There is a collection account showing up on my credit reports from Accelerated Financial Solutions in XXXX, VA. I have no contract nor account with this company, and they have failed to provide validation of the debt they're saying I owe. I would like validation of the debt or for the account to be removed from my credit reports.
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my Transunion score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.
Background : In XXXX I had a standard mortgage serviced by GMAC and after 4 years the TLV value was 88 % ( [ see appraisal document ] $ XXXX {$380000.00} * 100 ). 
We decided to refinance under the HARP 2 program to lower the interest rate and use the streamlined process where less supporting documentation were required The re-finance went through and believed that all was well. 
Owners of the mortgage : o GMAC mortgage : XX/XX/XXXX-XX/XX/XXXXo Ocwen Loan Servicing : XX/XX/XXXX-XX/XX/XXXX o XXXX XXXXXX/XX/XXXX-current Issues : 1 ) During the refinance using HARP2 program, GMAC undertook a property evaluation without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value rate of 152 % and thus would be forced to pay PMI for the majority of the loan. 
3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the GMAC/XXXX  appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. 
The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an automated valuation model ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at XXXX XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between {$420000.00} - {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
I have filed a complaint with CFPB and I believe it has been forwarded to Equifax. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( XXXX ),   XXXX v XXXX and XXXX XXXX, Equifax that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Equifax has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
On XX/XX/XXXX I contacted XXXX  to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
I am writing in regarding to my XXXX " XXXX '' XXXX XXXX, account ending XXXX. I have been getting your annoying statements every month and each month the price keeps on increasing the amount due. I have closed the account and I no longer have an interest in your XXXX  card. I felt that they want to aggravate people by not waiving the fees. I have paid all the charges on my account. They claimed that the mount was paid got returned back to my bank and it was out of their control. So they charged me doubled to the amount I owed. Instead of waiving the fee as a customer courtesy since I did attempt to pay the amount. After writing them letters and calling them to waive my fees and remove the charges, they denied them. They kept on saying it was out of their control. They are not willing to make any efforts whatsoever. They never show me the bank withdrawn the mount or prove to me that the amount was withdrawn by the bank. According to my bank statement, the mount was sent as shown attached. They ceased my account on purpose so the amount in the account will accrue without me knowing. I am so stressed out when I see their bill every month. It started at {$24.00}, now it mounts to over {$150.00}. This company must be desperate for money. They ignore all my requests and I am their victim. Please call me at XXXX. I believe XXXX XXXX XXXX XXXX is FRAUD! They are cheating their customers by charging extra nominal fees, and neglect to waive any fees. Please help to resolve my issue.
I have been in the process of temporarily unfreezing my credit with all 3 CRA 's. I was able to unfreeze XXXX and XXXX  without an issue, I simply entered my Pin/Password which was created initially to freeze my account. I did the same with Equifax and was given this response, ( see attached photo ) This prompted me to reach out to Equifax over the phone to see what the issue was. The representative told me i needed to send a cover letter with my personal information such as name, date of birth, security number to an general email bucket at Equifax in hopes to unfreeze my credit even though i gave them all of that information verbally. I am EXTREMELY hesitant of doing this for many reasons. I was able to unfreeze my credit with the other 2 CRA 's without an issue. I do not trust Equifax and feel like they are taking advantage of me the consumer. They always ask for irrelevant security questions such as " what is the balance of your credit card '', which is confusing because i have multiple cards and do not indicate which one they are referring too. They never clarify which card, or whether they want the last posted balance or current balance! Every time i answer they tell me i failed the security question and need me to send my personal information in the form of a cover letter to their random email bucket. It's infuriating that this CRA is requesting me to send my personal information in such a reckless manner when they have a track record of not being able to secure their consumers personal information. I would really appreciate some intervention from the CFPB to help, I understand the security measures of verifying my credentials but their process does not seem secure nor safe. 



Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were unable to lift your security freeze. In order to temporarily lift the security freeze please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information along with a social security card or paycheck stub showing the social security number to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX or fax the documents to ( XXXX ) XXXX. The consumer may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. 

Is this the normal process for a consumer to lift a credit freeze?
I was amazed when I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
I am replying to the response of Nationstar to the Consumer Protection agency. New laws have been passed recently to protect homeowners against predatory lenders,. that try to take properties from homeowners. Nationstar refused to take my checks sent in the total amount of {$11000.00} when I owed {$12000.00}. I should be allowed to pay this money to nationstar or be able to do a short term forebearance. I can pay my payment of {$1300.00} a month plus {$1000.00} extra every month until caught up. Nationstar is not helping me to catch up or to keep my home. I have senior parents living with me XXXX ahd XXXX. I need to stay here. P, kease check these new laws for me and try to get Nationstar to work weith me.
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time or to my address.
I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!
I purchased a loan from Lobel financial. I just found out after 3 1/2 years with them and a loan that 's close to being payed off, that I was being charged every month for the passed 39months {$25.00} for " late charges ''. Yes I might have been late XXXX 2 times but not 39 months. This is due to a insurance lap that they say happened. I have not had an insurance lap. I have sent them everything to fix the ongoing balance of {$110.00} but they " never '' receive it. I have even had my insurance agent personally talk to my financial agent and somehow someone is either not sending or not receiving anything. 

They wanted proof for XXXX 2015. Took them a total of 8mths to fix that issue I told them to credit me for all the times they charged me {$110.00} extra on my bill, XXXX agent told they they had already done that I said ok and that was that. Forward 2 mths later and now I 'm dealing with the same over charge of {$110.00} because of a laps of insurance on XX/XX/XXXX 2015 and on top of that the cause of my every mth late payment is due to the fact that they never told me I had that fee so every month when I would make my payment of {$510.00} those {$110.00} will get left behind and added to next mths as late payment. I feel like this is no rite and they told me that once I get done paying my loan I 'll have another " hidden fee '' of {$1000.00} waiting for me of late fees. Please help