WillisBack/dataset-financial-user-claim huggingface dataset:
I will list everything in numerical order according to the dates : 1. XXXX XXXX, the merchant charged {$2100.00} on my Chase credit card on XX/XX/XXXX. The charges are unauthorized. <P/>2. I noticed the charges and quickly reported it to Chase as fraud the next day on XX/XX/XXXX. I got a new credit card number after that incident as a result. <P/>Background : I terminated my business relationship with the merchant in XXXX and authorized the last payment in XX/XX/XXXX. The merchant charged my card {$1500.00} in XX/XX/XXXX. I instructed the merchant in my email that it 's the final payment and that no additional charges are authorized. I terminated the contract based on my dissatisfaction with the installation of the marble countertop. They damaged it during installation. The merchant was not able to make it right because the countertop is marble. See attached letter for more information. No further communications occurred with the merchant since that e-mail I sent in XX/XX/XXXX. My relationship with the merchant was TERMINATED at that time! <P/>3. I received a letter from Chase on XX/XX/XXXX asking for documentation. I sent Chase the attached. Then, Chase said it was n't considered a fraud because I had a contract with the merchant, and that Chase would forward it to the Disputes department. I was forced to re-open the dispute under the Disputes department instead of Fraud. I did so quickly on XX/XX/XXXX. <P/>4. I contacted Chase by phone and through its Secure Message Center many times to follow up on my dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( phone and email ), XX/XX/XXXX ( phone ) with a specialist in the Executive Office in XXXX, Illinois, her extension is XXXX, and finally XX/XX/XXXX. I provided adequate supporting documentation and information regarding my dispute. <P/>5. I spoke with a specialist ext. XXXX in the Executive Office to follow up on XX/XX/XXXX. She said she has n't investigated my claim yet. I requested to receive copies of the merchant 's supporting documentation because the merchant and I never spoke for more than two years ( XXXX to present ), and the work ended in XXXX, more than three years ago! The merchant has many court cases in the State of Maryland, and her business has an F from the BBB. I still have n't seen the merchant 's documentation to prove that I still owe the company. I also explained to Chase that I never received any invoices or documentation from the merchant in the mail. The {$2100.00} charge is not what I owe her. I do NOT owe the merchant any money. <P/>6. If the merchant feels I owe the company money, then the merchant will need to take me to Small Claims court and have a judge decide on this matter. This is a civil matter. As this stands, it is THEFT! They waited two years to decide to try my card number to see if they could get more money. The charges are still UNAUTHORIZED! I am not responsible to pay the balance on my credit card. <P/>Chase is not protecting me as their customer. Chase should leave this to a court to decide on the matter, not act as the judge. If XXXX XXXX thinks this matter is not resolved, they can take us to court.
Back in XX/XX/2018 sent a certified mail with a notarized letter asking to delete accounts containing inaccuarte information from the same source but different in each of the 3 bureaus and speciappy from Tranunion, .. The results of the investigation was update information clearly wrong in my credit report afecting my ability to access fimacial stabilization.. Aparently Transunion will not take the effort of extra iinformation sent ro them to double check the big errors in my credit report.

I ask to open their files to match with my records which they never sent me anu proof or document to match isntead I sent them a letter a copies of 3 bureaus indicating the inaccurate of the account in dispute.. Transunion is in clear violation of the FCRA by posting information inaccurate afecting my credit.
I have an account with Coinbase that I used to buy XXXX XXXX. I have now sold my XXXX XXXX  and am looking to withdraw my funds. To do this Coinbase have said that I need a verified bank account ( I used a debit card to deposit funds ). I followed the verification process and on XX/XX/XXXX I  deposited the amount of XXXX from my bank account with the requested reference. Coinbase state that payment methods are verified after 2 days. Mine has still not been verified and the Coinbase Support are not responding to my enquiries as to what is going on. Essentially my money is being held hostage. Please help!
These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect.
Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.
Wells Fargo allowed a payment to go through from XXXX when I didn't have the full amount to cover the payment. But did not allow XXXX payment. I have asked Wells Fargo before if the funds are not available please do not allow payment to clear. Now I have {$35.00} return fee and Wells Fargo did not return the payment. Plus Wells Fargo have a new process in place if you get paid an a purchase comes through and all the funds are not available Wells Fargo will clear the payment and not charge a fee. But I was charge a fee.
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX  XXXX, as shown on my 3 credit reports, is showing incorrect information. Basis for the dispute : 1. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current. ( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1700.00} } and the account is listed as " past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX  ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or  completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past  Due '' as of XX/XX/2018 as Midland is not a creditor and I do not have any installment agreement with Midland. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f. I have contacted Midland on three different occasions to have this removed.
Partially motivated by frustration with the company 's ( Fedloan Servicing ) customer services and also fear that the PSLF would not last 9 years, I decided to consolidate my federal loans with a private company ( XXXX ). Before the consolidation was applied, I made very large payments to my federal loan account. The payments took many weeks to apply and then the consolidation payment was applied to the account. I called several times between the months of XX/XX/XXXX and XX/XX/XXXX to determine when the refund would be processed. Because I made large payments and consolidated, there was an overpayment. I was told it would post in 60 days, then in 90 days. After 90 days, I was told the refund would post " soon. '' Finally, a refund posted to the account of the consolidation loan. The amount was approximately {$10000.00} less than the amount I was owed. I have attached a spreadsheet to document my payments, and also, the amounts in question. I also emailed the company on XX/XX/XXXX and XX/XX/XXXX and the company never responded. Further, the website will not let me access a payment history, so I must use my own bank records.
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( EXPERIAN, XXXX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
When I moved from the XXXX to the USA, I was informed by PayPal that I would have to open new account - I could not transfer my XXXX account. Upon opening my new US account, I was told that because I was a new customer, a hold would be placed on any balance over {$1000.00}, because I was a new customer. I had not been informed of this on opening an account, only when I tried to withdraw my balance for the first time. Because I run my business through PayPal, this was a considerable inconvenience, so I called to find out what was going on. It took me several long and expensive phone calls before anyone would tell me why I could not withdraw my balance. I was told that the limit on my account was because I was a new customer, but no one could tell me how long I would be considered a new customer for, when the limit could be lifted, how often the account status would be reviewed, or where I could get more information. After struggling with this issue for several months, losing considerable business along the way, PayPal pressured me into opening a business account as a way around the issue of the limit. Since then, i have had issues claiming and withdrawing payments made to me in XXXX. When I have phoned PayPal for assistance, I have been told that there are technical issues, but no one can tell me when they will be resolved and how soon I will be able to access my funds. I am always placed on hold for at least 30 minutes, and all of the phone calls above have lasted over an hour - not only is this very expensive, but I never get any help from the phone-calls anyway, making them a waste of time and money. The representatives I speak to refuse to give me information on how I can make a complaint, and frequently attempt to get me off of the phone before my problem is resolved. I have since learned that PayPal is being sued for issued relating to illegal holds on funds as described above, but sadly my issued occurred after the period of the claims - suggesting that PayPal is continuing these illegal practices in spite of the previous complaints and actions. If I did not depend on PayPal to run my business, I would want nothing more to do with them - but I sadly do n't have that option. I would, however, like PayPal to be made to recompense me for the poor service, inconvenience, lack of customer support and information, time-consuming and expensive fruitless customer service calls, and damage to my business over several months. I want them to know that their service has been appalling.
I received a notice from Commonwealth Financial about a Medical Bill. I disputed it in XXXX & they sent a Itemized Bill. That is a Direct HIPPA Violation because it does not bare my Signature. I have sent them my Insurance Card & Policy with XXXX XXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX being I had Health Insurance with my Employer XXXX XXXX at the time. Be mindful I spoke with XXXX with CWF on XXXX/XXXX/XXXX who stated the Account was Closed & it would be deleted within 30 Days & is now going into 60 Days. Please resolve this issue my next step is to file a Lawsuit. I am keeping track of when you receive this & who I spoke to.
On XXXX/XXXX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XXXX. I informed XXXX in XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XXXX XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by two collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second is XXXX out of XXXX, IL. I wrote certified letters to XXXX executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XXXX XXXX, I would have to go to court to get this. I just received another letter from AFNI saying that they verified I had an account with XXXX. That is not the same as verifying that I owe the charges they claim. I want this harassment from XXXX and AFNI to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by XXXX Mail. I also sent XXXX checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone
Due to my mother passing away on XX/XX/XXXX, and my maternal grandmother passing away on XX/XX/XXXX, I ran into financial difficulty and my private student loans that I was paying on became in default status. My mother and grandmother 's estates are being handled but I am paying out-of-pocket for some costs of both estates until things are finalized with the public administrator. I was not aware that my private student loans were in default status until I was contacted by phone in XX/XX/XXXX from the debit collection company Weltman , Weinberg & Reis Co., LPA to persuade me in getting my {$16000.00} private student loan paid off. The rep tried to help me by stating options of getting a loan from my credit union, insurance companies and any other means of paying off this loan amount. To no avail, I did not have the above amount nor could I borrow this amount of money and pay back. Several days after on Monday, XX/XX/XXXX, I had a phone interview with Ms. XXXX, certified loan officer with XXXX XXXX XXXX ( XXXX ) who stated according to the scanned copy of my private loan that I emailed that I have an option of forbearance that I can let the debit collection agency know about. Per XXXX 's advice, I also made an appointment on XX/XX/XXXX with a legal attorney, XXXX, who recommended that I send certified letters requesting a forbearance and the original contract and promissory note. The certified letters were sent on XX/XX/XXXX and on XX/XX/XXXX, I received the returned receipts signed by Ms. XXXX XXXX. Several weeks went by and I did not receive a response back regarding the forbearance. Towards the end of XXXX, I called the debit collection agency an spoke with the representative XXXX and after a round and round discussion, I finally received a point blank answer of " no ''. They did not receive the certified letter regarding the forbearance. After much frustration with this debit collection agency, I reached out again to the legal aid attorney Ms. XXXX who recommended a file a complaint. On XX/XX/XXXX the debit collection agency sent me ( 2 ) settlement letters stating they could offer me a 70 % settlement on my account. I would need to pay {$5700.00} for one loan and {$5900.00} both amounts would be due by XX/XX/XXXX. If I am requesting a forbearance for the private loans what makes this company think I could pay a 70 % settlement? Isn't that the reason why I would request a forbearance in the first place? Because I am having financial difficulty. Unbelievable. Please help!!!
Debt Collector called one of the lines on my phone plan which was not my number. They went into detail and advised I owed {$700.00} for a bill in Pa, that I did not disconnect service and the company did not until 2 months later. I moved in XXXX 2016 they stated XXXX 2016. They argued that they wanted it to be known. This is untrue and embarrassing that they called someone with my personal information and gave full details. I have n't received anything from them.
My loan servicer was XXXX up until XXXX of 2017. XXXX based my payments off of my tax return as that is a better indicator of my financial situation and had me paying about {$40.00} a month. However, when I consolidated my loans through NelNet, I was not given the option to submit my XXXX, nor was I really given the option of seeing what my payments would be until after they closed out my loan with XXXX. In XX/XX/XXXXI received my first NelNet bill which {$120.00}. I contacted them and was told to resubmit my application for IDR and submit my XXXX with it. A month or so later I was sent a bill with {$120.00}. I contacted them again and was told that I should have sent in my XXXX with my original application back in XX/XX/XXXX. I explained to them that I was n't given the option, but they said this was a law. I then contacted them again in XX/XX/XXXX and was told to resubmit ANOTHER application for IDR with my XXXX and my payments would be around {$40.00} a month. A week later I was sent an email saying they could take my XXXX. 

I have talked to other loan servicers and they said they have never heard of this law.
I 've asked to cease communication with XXXX XXXX on several occasions but I continue receive written correspondence and telephone calls.
I have been requesting information from Seterus Incorporated since XX/XX/XXXX and Seterus Incorporated has never answered the questions. The following is one of many questions not answered. Please keep in mind a response differs from an explanation and under RESPA ( Title:12 Chapter:27 Section:2605 ) I am do an explanation. 

Paragraph two, Section three of the mortgage signed on XX/XX/XXXX states : Lender may, at any time, collect and hold Funds in an amount ( a ) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and ( b ) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. 

The phrase a LENDER SHALL defines an obligation. The phrase estimate the Funds due based on current data and reasonable estimates of expenditures of future Escrow Items states that Seterus Incorporated is obligated to look at future events that will effect escrow payments. The payoff of the Note effects future escrow payments ; Seterus Incorporated has NO legal standing to collect escrow payments if the Note has been paid. Seterus Incorporated has the information necessary to determine projected payoff ; in fact I have sent Seterus Incorporated, nearly a year ago, a payment schedule which showed an XXXX payoff. 

THE QUESTION : Why did Seterus Incorporated fail to fulfill the obligation of correctly estimating the escrow funds? Why was the XXXX payoff not considered? 

I do not need another copy of incomplete transaction records. I do not need a explanation of how my insurance and taxes increased. I need an answer to why the payoff was not considered.
On XXXX XXXX 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.
my lender transferred my loan to Planet Home and they deducted a payment from an unauthorized account and upon our attempts to resolve a stop payment was put on the payments from the unauthorized account, and instead of drawing the funds from the authorized account we were reported as late.we never should have been late as they were authorized to work off the correct account.
I have sent written notification to Hunt & Henriques requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Charge off Account with XXXX is not reporting correctly with Equifax, XXXX, XXXX