WillisBack/dataset-financial-user-claim huggingface dataset:
I have a first mortgage with Chase, on a home in VA I bought XX/XX/XXXX. Thepurchase price of the home was {$490000.00}, I moved from VA XX/XX/XXXX dueto a job change. At the time, the value of my VA home had droppedbelow {$400000.00}, and I had a first mortgage with Chase and a 2ndmortgage XXXX. As a result, I was in a negative equity situation. 
I have NEVER wanted to walkaway from the home or myobligation. All I have EVER asked Chase to do was refinance mymortgage to a lower interest rate XXXX currently at 5.75 % XXXX to lower mypayments to enable me to better manage. Instead, Chase will donothing. I could 've walked away from the debt and forced Chaseto foreclose, but instead am doing my best to continue to pay them.
I was a victim of fraud and because I was I did all I could to request discovery. My requests were intentionally disregarded and now I have seveal collections on my account without sending me validity of debt or discovery Ic system account ( XXXX XXXX ) debt amount N/a XXXX ( XXXX XXXX ) owing {$720.00} XXXX ( XXXX ) owing {$1000.00} XXXX ( XXXX ) owing {$330.00} Stellar Rec ( XXXX ) owing {$1200.00} XXXX XXXX ) owing N/a
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

Pennsylvania Higher Education Assistance Agency Account # : XXXX Account ID : XXXX
I have used the Chase XXXX XXXX XXXX card for approximately three years. I pay an annual fee of {$95.00} for this card, specifically because it grants me free checked bags and priority boarding. I had a credit limit of {$10000.00}, with approximately {$5300.00} outstanding. I paid off the balance in full yesterday. Today I tried to book XXXX airline tickets ( approximately {$2500.00} ) using the card, and it was declined ( it had also recently been declined at a grocery store with plenty of availability - humiliating to say the least ). I called to find out the issue and was told they had reduced my credit limit this morning by {$10000.00} to {$500.00}. I pay an annual fee specifically to be able to purchase airline tickets on this card - you ca n't buy airline tickets with a {$500.00} credit limit! I do n't understand ( nor care ) what they *think* they saw in my credit profile that indicates I am either a higher risk or an unprofitable customer. They should have notified me before such a drastic decrease in my availability as I would have used the cash to buy my airline tickets instead of paying the account in full. I want my annual fee refunded for the inconvenience and embarrassment they have caused me.
First, I would like to acknowledge that Im a proud customer of Wells Fargo. Over the course of this past weekend I have had two separate phone calls resulting in lengthy conversations with customer service representatives which escalated to me having to speak with their supervisor. Beginning on Saturday XX/XX/XXXX, my checking account was reflecting a positive balance of about {$270.00} according to my banking app. I had pending transaction for XXXX XXXX at the time so to be sure I called Wells Fargo customer service for more detail and to see if the pending transaction was reflected into my available balance so my account would not be overdrawn. There were only two merchants I was specifically calling about which was a XXXX XXXX and a XXXX XXXX company to see if they had received their funds. The representative told me that those two merchants have received the funds and is posted to my account. So according to my Wells Fargo banking app, my account was reflecting an available balance of about {$150.00}. I had them transferred funds from my savings to my checking for about {$180.00} to cover a payment for {$280.00} for merchant XXXX XXXX. My account was still reflecting a positive balance. However on Sunday XX/XX/XXXX, I notice on my banking app that my account is overdrawn by $ XXXX At this point I call the customer service number and have to speak to a supervisor who couldnt explain why this has occurred and only offered to advice on to set up payment arrangements in the future with merchant I intend on paying, and to call back the next day when the overdraft fees occur and see what they can do to reverse it. Then Tuesday XX/XX/XXXX after I notice all the changes to my account, I see a negative balance of about $ XXXX. I called back and explained my situation with the supervisor and she tells me that theres nothing they can do and I have a bad history with overdrawing my account so they can only reverse 25 % of those {$70.00} worth of overdraft fees I was charged. In addition to the $ XXXX that was not supposed to be. I was given misleading information from the customer service department which caused me to think I had a certain amount of funds in my account and them charged double the overdraft fees. They also had the nerve to tell me that if I want my money back then I should file a claim. This never would have happen if I were told truthfully what my available balance was and what was pending and posted and so on.
I 've been trying to repair my credit and got a notification that there was a collection added to my report. I attempted to contact the number listed but to no avail. I contact the credit card company that it had associated it and they sent a letter saying that they are n't obligated to give any information. 

I then sent a letter to the collection agency LVNV and they are n't responding. I 've also disputed this through XXXX XXXX XXXX on XXXX and they still have n't responded as of yet. 

Please assist.
Citibank started charging me a monthly service charge of {$30.00} on my checking account. without notice or justification. 

They said that they could return four months but not all seven months. They gave no reason why they couldn't return all of the funds. They also gave no reason why they didn't give me notice. I suspect that this is a routine business practice that is harming many checking account holders.
In XX/XX/XXXX I changed my mortgage insurance company from XXXX to XXXX. I was told once I receive the check from XXXX XXXX XXXX, send it to the Roundpoint mortgage company. If I did n't I would get a penalty. I received the check and as what was told to me is what I did in XX/XX/XXXX. Upon receiving an Analysis from the Mortgage company in XXXX XXXX is when I notice that my mortgage had excessive increase starting XX/XX/XXXX. I called Roundpoint Mortgage XXXX to find out why. I was told that my escrow was short. I brought to the attention that I had sent a check in XX/XX/XXXX to return the funding of my escrow. This is when it was brought to my attention that the check was applied to the principle acct # It was sitting from XX/XX/XXXX to XX/XX/XXXX. I wrote on the check that the check was for the escrow acct #. First I was told that I had to fix this myself. I mention I did what I was suppose to do and someone there need to fix this immediately. I contacted XXXX XXXX company who I originally had contact with to file a complaint. The following week I notice that my mortgage payment for XX/XX/XXXX was still in my bank account. I called Roundpoint Mortgage to make sure that my payment was taken out in a sufficient about of time to pay the mortgage. That 's when I was told that everything was ok. And, my problem was fixed. My problem has not been fixed I am still being charged the excessive amount for my mortgage starting XX/XX/XXXX. And I feel that due to the fault of the Round point Mortgage I am being penalized. I have never been late on my mortgage payments.
male called said he was with my " credit card company '' capital one and asked for my credit card # which I gave him and also gave him the last XXXX numbers of my social security #. He somehow called the credit card company and found out as he told me that I owed {$200.00} on my card and that it was maxed out. So he checked the balance using my confidential information
My account/routing # for my Chase account was comprised by a screenshot I had on my phone of that information + the exact amount that was in my account {$78.00}. I called Chase + explained it + asked them to close the account. This was Saturday. They said they couldnt do ANYTHING for me until the branch opened on Monday. {$75.00} then left my account via XXXX. I then called up again, explained agin what happened + how this was there fault for not being able to close accounts over the phone when asked. How could that be real? Anyway, I went into a branch, spent two hours with a manager filing a claim. I signed a paper + faxed it into fraud. He let me know that XXXX was backed by Chase + due to the nature of my claim ( as well as all the previous telephone conversations they must have of me ) that it would be 100 % reversed + put into my new account that I had to open! Now I am being told that XXXX rejected the claim as they do not provide buyer protection???? XXXX. Please help me. This is ridiculous! Its totally Chases fault too. They shouldnt have 100 % promised something if they knew that XXXX is trash, an actual scam in itself, and doesnt offer any type of buyer protection like XXXX does. I will never be using XXXX again, and very disgusted with Chase as well.
The account XXXX, account # XXXX does not belong to me. They have not provided Experian verified documentation to ensure it is me.
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  all on the credit reporting agency I use. It says you qualify so click here to get the card then they all run hard inquiries 20 of them and everyone of them say no in the meantime bringing my chance to even get a non secure card off the table. I am applying for a home and I went to XXXX XXXX and XXXX XXXX and they do it too! Now my credit score is down and inaccurate. I dont know what Im supposed to do. I applied for credit my dad did too because a family member died and we didnt have cash and now I feel like Ive been hung out to dry by these people. Dont trust these sites saying you can get a card based on your credit credit karma, XXXX XXXX XXXX. Please help me
Bank : ChaseLoan # XXXXIssue : Paid fee {$380.00} for extension of rate locking period by 15 days. To approve the loan, Chase was responsible to obtain some documents but Chase took more time to get these documents. There was no delay from my side. To meet contract agreement dead line, I was advised to pay the fee and request Chase to reimburse the fee but no response from Chase
Porfoilio Recovery Associates has two ( 2 ) erroneously reported balances documents under my credit/XXXX  reports. These creditor balances should reflect " XXXX '' balances.. 

These 2 accounts under my name/credit profile ( both XXXX ) should reflect " XXXX '' balances with credit agencies /XXXX  agencies as well, as within Porfolio Recovery statements and XXXX financial statements under my name. 

These 2 accounts XXXX ( errouneously reported by Portfolio and disputed by me ) were mutually agreed between myself and portfolio associates to be paied on a direct withdrawal monthly payment scale. 

Portfoilio Recovery Associates on a monthly basis automatically withdrew from my personal checking account said mutually agreed amount as agreed by me and Portfolio Recovery Associates until " XXXX '' balances were established. 

O balances were met on both accounts Yet, wrong balances are continually being reported about me to credit and vantage scoring agencies by Portfolio Recovery Associates. 

I have contacted this reporting agencie and spoken to a XXXX XXXX XXXX as well as a XXXX XXXX XXXX regarding this error.
Wells Fargo sold my account to XXXX XXXX  then closed my account and transferred my funds to XXXX XXXX without my permission. XXXX XXXX was unable to provide me with access to my funds for over a week, a direct result of Wells Fargo 's unethical actions. 

Wells Fargo gave XXXX XXXX my personal information without my permission. 

Wells Fargo gave XXXX XXXX my social security number without my permission.
In XX/XX/XXXX I borrowed {$700.00} from target cash or target finance is what it says on my bank statements. I got the loan over the internet. For a loan of {$700.00} starting on XX/XX/XXXX they 've taken XXXX at the beginning of the month in which I 've paid {$890.00} at an interest rate of 742.63 % I 've paid them beyond what I borrowed and may owe a little more but they are expecting a total payment of {$1900.00} in total by the time I 'm done which wasnt expected and I ca n't afford.
In 2008, I went online and saw an advertisement for a loan for students that provided extra money that could be used for anything I 'd like. I applied and got the loan and proceeds. years later I was forced to file for bankruptcy, however this loan company continued to harass me for paying them. They even harassed my father and I 'm Not sure how he got into the mix. They are now saying this loan was not discharged in my bankruptcy because it is an education loan certified by a school. This is false. I was not even attending a school at the time I applied and received the loan. I really need some assistance in getting this resolved, at this point the balance is nearly $ 20k more than the original amount borrowed and the monthly payment is over {$400.00} per month. But most importantly I believe they are attempting to collect based on it being an " education loan '' which it does not meet the criteria for.
I 've sent several payments in to Macy 's well in advance of my payment due date, but they keep cashing my checks late and charging me XXXX late fees. This has happened 3 times so far. I 'm really disappointed in this company and hope someone can have a look and see if this is happening routinely to others.
The following addresses have been disputed online and verbally. I have told them that these addresses are incorrect : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.
My mother applied for an apartment with XXXX XXXX XXXX XXXX XX/XX/2016. I was still in school and unemployed and did have a valid XXXX ID. I was suppose to be on the lease as an occupant. Every notice that was sent out was addressed to my mom only. She went to court for an eviction and the judgement was issued to her only. I went to apply for an apartment and was turned down due to the XXXX XXXX XXXX is showing on my credit. I never applied for the apartment, and was listed on the lease incorrectly.I have reached out and disputed the report several times. The amount listed is {$2200.00}. I have filed a police report and the credit reporting agency refuses to remove it off me when it is solely my moms account.
Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} payday loans and getting away with it.
Russell Collection Agency stated that they had updated my credit bureau with the removal of two collection items from XXXX XXXX  for XXXX and XXXX. They stated that I needed to contact XXXX XXXX  because their information was inaccurate. I reached out directly to the credit bureaus and the accounts are still showing open.
XXXX / XXXX XXXX = XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX D.O. B : XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) I paid into XXXX XXXX over XXXX and all the rest of my bills I paid in over XXXX Tell me how am I supposed to live if I ca n't use the credit cards to buy enough for me to make it from one week to the other without my credit score dropping back now under poor. I am ready to say XXXX all the credit cards and just live, because the more I pay the lower my credit score get. On top of that you are giving out my person information without my permission and having all these collection agency calling my phone using up my minutes. Before I started trying to straighten out my credit Because they had me mixed up with someone else, I did n't get all the harassing phone calls. Now they call hours of the day and night, and even on the weekend. They refused to remove any hospital bills that have not replied back to them in 90 days they just bound them from on collection agency to another. So this is and knows winning battle. There I will cease in paying any bills because you drop my score by XXXX to XXXX point each time and when you bring it back up it always by XXXX point. Which do n't help me at all? If anyone else is having this problems make sure you post it for everyone to see the un-fairs dealing you have with all XXXX Collection Agency. They bound them back from XXXX agency to the other causing you nothing but pain. 

This is drive up my score, that is the reason a lot of consumer do n't pay their bills, because the more they try and work with these collection agency, the harder they make it for anyone to want to pay a bill by bounding them back and forward, stressing you out. I want them to stop given out my person information without my permission, driving up my cell phone bill to make the cell phone company happier. 
Collections XXXX XXXX XXXX provided by &
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX  Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Equifax and on XX/XX/XXXX I got a notification from XXXX XXXX stating it was taken off. A few days later I received 2 updated credit reports one with the bankruptcy still on and another still on. A week later it was put back on. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgements on a credit report. So I wrote to the court address on my file and it was returned as no such address.
Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.
I have federal student loans serviced by two separate companies -- Navient and XXXX. I have been paying my student loans on an IBR plan since around XX/XX/XXXX. I submitted documentation to update my Income-Based Repayment Plan in Summer of XX/XX/XXXX. XXXX processed the documentation, and adjusted my monthly payment accordingly. Navient, on the other hand, claimed that I did not qualify for IBR. When I pointed out the fact that the other student loan company ( XXXX ) reached a different conclusion, Navient would not reconsider their position or provide any explanation of how they reached the conclusion that I did not qualify. I asked for them to provide a written explanation of how they reached this result, or the calculation that they conducted to reach this result. None such explanation was provided. I asked if there was a process to challenge the conclusion or request reconsideration, and I was told no. At one point, the Navient representative stated that XXXX reached a different result than Navient because XXXX services a different type of federal loans. I had to point out that IBR applies to all federal student loans, I have no private loans, and there was no difference in the rules. This is not the first time I have had problems with getting Navient to correctly calculate my IBR monthly payment.
Wells Fargo Home Mortgage Acct # XXXX was paid off XXXX XXXX and currently says on my report ( XXXX & XXXX ) 120+ Days past due in the " Status '' line. This account has been paid in full even when it was in pre-foreclosure and I have disputed 4 times with Wells Fargo and contacted the office of the President at Wells Fargo.Both credit burrows have agreed with me that Wells Fargo is n't reporting the right information to them. The contact at Wells Fargo is XXXX XXXX XXXX ext XXXX.Also XXXX XXXX sent me a letter that the first date of delinquency was XXXX XXXX compared to what is reporting on my credit report XXXX XXXX. This letter should have this account purged due to the 7 year law also on top of the issue of the above complaint that is driving my credit score down.
We have filed a Insurance claim back in XXXX of 2018. Since then we got an estimate in the amount of XXXX. We have sent this to the Mortgage company and explained to them that this was half of what the contractor was wanting to do the same work. They were asking for XXXX up front and were waiting on the Insurance company to correct the their estimate. Since then we filed a complaint against the Mortgage company and finally got a XXXX of the amount originally estimated. We now have the Insurance company to agree to increase the cost for the same work and we settled at {$81000.00}. The Contractor is now ready to start the work but needs the difference in the XXXX amount up front. The mortgage company can not under stand the estimate so they are sending out inspections of work that has not started. They sent out an inspector less than a week ago and now want to come out again. We keep telling them there has not anything done because we need more money to start the work. I have called several time and today was on the line for 1hr and the last thing they told me is the same thing they told me at the beginning of the call, we need to inspect with the new estimate. Again this is the same estimate as was used on the last estimate just for more money. The Inspector even said there was no need for him to come out when there is nothing done. We have spent over 20,000.00 in material that are here at the house, only waiting for the contractor to start the work. On top of all of this I have had major XXXX and not able to work for a couple of more weeks and my home is torn up waiting for the work to start. Please help up so we do not get into a foreclosure issue.