WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have been in short sale XXXX with Chase for the last 7 years. In a nutshell, I lost my job in XXXX of XXXX in XXXX. I had to relocate to XXXX since there were no jobs available in XXXX and had to leave behind my house I had n't even lived a year in after purchasing so I worked with a realtor to put it up for short sale. My husband is XXXX and I also had a 9 month old at the time. After moving to XXXX, we realized we could n't manage living in an apartment and barely making ends meet so my husbands parents offered to have us move out to XXXX. We have been out here since XXXX of XXXX. For over 2 years, I had many decent offers on the house, but Chase never got back to my realtor about accepting an offer, then finally after 2 and 1/2 years, declined to let me short sale it, even though I had about 6 different offers. 
I waited for almost 2 years to see if they were going to foreclose, they never did. I contacted them again in XXXX to see if I could give them a deed in lieu of foreclosure. They said I had to try and sell it. I told them about trying before, they said it did n't count and I had to try again. So I got the same realtor to help me out, we had multiple offers again, and finally had one that worked very well. Chase made it very difficult to work with them, but we complied at every step, including me sending in month after month my paystubs, bank statements and tax returns. At one point they said we had to try and sell the house at XXXX. The buyer agreed, then Chase countered again with {$500.00} more dollars! Luckily my buyers agreed to it. Now, about a month ago, they have declined the short sale again stating I had a lien on my property ... which I do n't and if I do it 's their fault because of dragging this out for 7 years now. 
My credit is shot, I have no way of improving my credit score because they keep dredging this up and having it show up. I have complied with them every step of the way and I have had so many people working on my case from Chase, I do n't even bother remembering their names. No one ever calls back myself or my realtor. 
I started out with walking away and owing XXXX and now it 's almost to {$300000.00} due to late fees, bogus insurance policies they say I had to have and other miscellaneous fees they felt like throwing in. 
Even if this lead to me filing bankruptcy, I just want to be done with it.
PAYPAL CREDIT IS ALWAYS CALLING AND HARRASING ME AND MY FAMILY.
This is a debt from XX/XX/2011in which I returned a vehicle because I could no longer pay XXXX XXXX because the car was a lemon but I continued to pay for it until it broke down and I returned it to company voluntary. It was Sold to this company XXXX XXXX XXXX XXXX  who harassed me in the past stating I owed them XXXX. Because car didn't sell at auction for a good price and I had to pay balance. I bought the car for XXXX and had for over 3 years before giving it back. I did not owe what they're saying and had been paying them for 4 years XXXX a month and they are still saying I owe XXXX with crazy finance charges. I have never been given documents regarding the sell of vehicle or what was owed from sell. My understanding the original company write it off as bad debt and this company bought it. I don't believe I owe them that amount. The statute of limitations has long passed because it's a debt the last payment made to the original company was XX/XX/2011. I have asked them to stop calling my job and they continue to harass and leave messages with my coworkers and main answer in machine. I would like to be contacted by mail with proof I really owe them after being harassed to pay them for the last four years but never got proof it's legit.
The account I will talk about is a joint bank account and both XXXX XXXX and spouse XXXX XXXX are user of such account. In XXXX XXXX XXXX wallet was stolen. The next day we noticed two {$950.00} withdrawals from the account. We immediately went to the bank to inquire about the withdrawal. The bank employee pulled the withdrawal slip and said it was done through the drive thru. They showed me the slip and the signature was obviously different than our signatures. I submitted a claim with the bank and they credited my account. A week ago they reversed the transaction and they charged my account with {$1900.00}. I called the bank and they stated that the investigator determined that two forms of identification were used. The PIN and the ID. This is not possible because we were together and at work when these transactions took place. No one other than us know our PIN numbers. However, even if the PIN was used, the ID could n't have matched the person who collected the funds because we did n't go to the bank that day in the morning. We were both at work and we work together. Furthermore, the signature on the slip and the signature recorded on the account do not match at all. Now my account is negative {$1900.00} and the results of the investigation on my claim are in no way possible.
I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. 

After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?
I have a debt from hunter warfield for the amount of {$2000.00} and XXXX XXXXXXXX XXXX XXXX for {$250.00} that reported again on my credit report, I have disputed these inquiries with my XXXX, it was removed and re-added without notifying me within 5 days prior to adding this inquiries back on my credit report. I have contacted transunion as a good faith attempt. And asked them to remove the inquiry since it was illegally re-added, and they was unable to assist.
I have tried about 10times already to remove inquiries that was not authorized by me or I was aware of. XXXX and XXXX have done so however TransUnion is a lost cause. I have told them they were not done by me I have called the companies each over an over but they tell me to call the bureau back to dispute since there is nothing on file on me however I have done that so many times Im sick of it already. Please remove these inquiries : 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 XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX SYXXXXCB XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
this is what is reported on my credit report by Experian : US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Reference XXXX I have supplied Experian with information directly from the courts in writing that they have not and do not verify court records. They also have failed to report and furnish accurate information such as the court name and reference number. 

Attached you will find a letter from the United States Bankruptcy Court, XXXX Division. I have no knowledge of who the " US BKPT CT IL XXXX " is, nor have I received any correspondences from such a business or division. I also have no knowledge of the case number referenced above ( XXXX ). I have asked Experian through multiple channels not limited to the themselves, the CFPB, and the Attorney General to provide the furnisher of this information. They have yet to respond with where this information is obtained. Per FCRA 611 they are required to provide the name, number, and location of the furnisher of this information. They have failed to do this on numerous occasions as well have failed to provide accurate information. I'm asking for this item to be removed from my credit report as it is not reflecting accurately.
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that my XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2015 Amount : {$9500.00}
I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property. 
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Dear Wells Fargo, Back in XXXX of this year I had finally filed a complaint against Wells Fargo XXXX Credit Card with Consumer Financial Protection Bureau - Case number : XXXX, due to processing violations, lack of billing consistency and poor customer service to correct problems. 

Since then, XXXX closed my card, once again increased my interest rate and applied a penalty to my card because XXXX has been sending my bills to the wrong address. The card belonging to XXXX XXXX had been sent to her address - she did not pay nor did she forward me the bill. The card for XXXX XXXX has been sent to the correct address and has been paid. 

I tried to call XXXX Credit Card department multiple times to fix these problems. If I made contact with a person, I was hung up on for pointing out their inflexibility to assist with my situation in the wake of your own fraud. My call usually got lost within their automated system ; being transferred and looped through, only to be disconnected. 

I am drowning in penalties and interest that has been tacked onto my account through XXXX XXXX purposeful manipulation of the system. This is unacceptable. My personal credit cards have had none of these issues. This is one more way Wells Fargo has falsified information and engaged in illegal business practices to meet their financial goals. There is no ethical consideration for the harm and stress you are inflicting on people and small businesses. 

I am requesting you cut my debt in half and reduce my interest rate for the current bankrate because half of the debt is from the penalties and interest rates you have compounded due to XXXX XXXX illegal manipulations. 

Disgusted Client, XXXX XXXX Cc : Oregon Department of Justice Consumer Financial Protection Bureau Federal Trade Commission XXXX - I received a credit card application from Wells Fargo, after they closed my business account. They are still trying to open accounts to meet their financial goals despite all the illegal activity theyve been caught participating in. Credit card debt is at an all time high - this is XXXX of the major factors.
On my Equifax report i have inquiries that i did not authorize or have knowledge of XXXX XXXX on XXXXX17, XXXX XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX XXXX on XXXXX17, XXXX XXXX/XXXX on XXXXX17, and XXXX XXXX on XXXXX17. XXXX XXXX on XXXXX17, XXXX XXXX on XXXXX17 and XXXX/XXXX on XXXXX17
I received my credit report showing Ad Astra is collecting on behalf of XXXX XXXX XXXX XXXX for an loan I never received or applied for on XX/XX/2014. I have been disputing with this company for months & the credit bureaus that this is not my loan. Ad Astra sent me a letter, but this was no contract that I signed. This is misleading & inaccurate on my credit reports, Federal Law requires that mechanisms is provided to ensure that each item on my credit is accurate. I also have placed Fraud Alerts on my credit showing I was a victim of identity theft in 2014
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 
I NEVER had an account with this company.
I have been making on time payments to the company and the credit limit is still in use. However, it says that they have closed the account. After we have set up payment arrangements and those payment arrangements have been met.
My husband and I purchased a home in Nevada. We went through a loan broker and were provided a loan by XXXX XXXX. Before our first payment is due, XX/XX/XXXX XXXX XXXX sold our loan to XXXX. I do not want a loan with XXXX. 

We have excellent credit and never missed a payment. Had I known they would have done this I would never obtain the loan through them. Our loan broker said they were a direct lender and retained their loans. We were lied to. The broker is XXXX XXXX out of XXXX. Do we have any recourse? I am very upset. This is fraud.
I have had an account with suntrust bank at XXXX XXXX XXXX florida for 15 years, I am XXXX and I bought a house in XXXX, i have never been in debt, and for the last 10 years, due to the financial problems of XXXX my house has been rented out, i have never had any interest on my savings, so whenever the rental proceeds amounted to a few thousand dollars, I would wire transfer this amount through an American dollar account with : foreign currency direct : they would then pay it into my euro bank acc here in XXXX where I have retired.To do this I had a WTS number and passcode so that when I rang them the money would be transferred to my XXXX acc, this passcode was automatically renewed every 2 years in XXXX, it wasn't sent last XXXX, and for the last 12 months I have repeatedly emailed, phoned, [ at great expense being put on hold for 55 mins of a 75 min call costing over {$100.00} ] wrote to them, they are not taking my calls and not answering my emails, I don't know why, its a very simple request, my supposed contact person at XXXX  XXXX is XXXX XXXX, ive waited another 8 days after I was told to email her by XXXX XXXX at XXXX XXXX XXXX XXXX I have also tried ringing her several times but I just get voicemail, I don't know what else to do, I hope you can help me, XXXX thank you
Received a letter from the company ( commonwealth financial systems ) on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Sent company a letter requesting validation of original debt and got no reply. When checking my credit score, I noticed the company reported the debt so I called to ask why it was reported though I never received any followup information. Was told the letter was sent but it was most likely the same as original letter ( again never received any followup, letter or otherwise ). Now I am being told that an itemized list will be sent however the debt will still be on my credit score.
I received a promotional letter for my business checking account to apply for a credit card and line of credit, the problem is that it was under a name i 'm not familiarize with who is not associated with my account.
I waited for the long weekend to end ( labor day weekend ) and call the business department at Wells Fargo on Tuesday XX/XX/XXXX and asked who is that person and how her name is associated with my businesses.
The respond was that they can see the promotional letter and that after talking to the fraud department they provided me with a case number and said that the fraud department will contact me with in 48 hours. case number # XXXX The week goes by and no one called so i decided to do a follow up hoping to hear they found the error and that it was fix at the minimum and hopefully there is no fraud attempt on my account.
I called the fraud department and gave them the case number above, they said they are not dealing with this claim and that i need to talk to the businesses department once again.
so i called once more and this time after verifying with " the executive office '' i was told " we ca n't see this letter in the system '' we do n't see this name on your account and the only thing we can do is change your preference of solicitation so you will not get those letters in the future.
My respond was : the only reason i found that this name is associated with my account some ware in the bank is because i received this letter so why would i like to not get those any more. I understand that this name is not on my account but consider wells Fargo history with creating duplicates accounts and not getting a clear answer onto why this name is associated with my account in any way ( for the second time by the way - the first time i let it go thinking it might just be a glitch ) i would like some one in higher attorney to ask those questions and hopefully get a clear answers : 1. Who is XXXX XXXX XXXX ?
2. How is she associated to my business in the bank data base/account/literature?
on XXXX XXXX 2016 I sent citi aadvatage platinum select a check for XXXX to pay my account in full along with a letter tell them to close my account as i do not pay anual membership fees. the letter was sent to the corispondance address on my monthly statementXXXX XXXX XXXX, XXXX sd XXXX they cashed the check on XX/XX/2016 and payment was not due until XX/XX/2016 today i got my statement and see the following. a. that they did not close my account. b. that they charge me a late lee evven though my {$18.00} check was to pay my account in full less the yearly fee. c. that they are charging me interest. when i called them today and explained the issue they then transfered me to someone who made a bunch of ex=xcuses and discriminated against me as a XXXX american. i talk very lound when i gdo not have my XXXX in and she was telling me to stop screaming which i was not doing and then refused to help me or transfer me to her boss. she also refused to give me her name and ID number so i could file i discrimination complaint with citi bank HQ and hung up on me.
This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with XXXX XXXX XXXX for {$2500.00} that was sold to Portfolio Recovery Associates are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) Portfolio Recovery Associates MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.
On XXXX/XXXX/XXXX I visited the Emergency Department for an injury that occurred at work. I filed the necessary paperwork since the injury should never have been billed to my personal insurance. It was mistakenly billed to my insurance and a balance was then determined for {$510.00}. After multiple attempts to get XXXX Medical Center to dissolve this false debt to no avail. I recently received a letter from a collection agency and they have not given me anyway to contact them without providing them with more personal information and they have requested a rebuttal in writing but have failed to give me a way to contact them in writing. The collection agency Transworld Systems who 's number is XXXX. I will try and contact them via phone but I must be able to submit something to them and writing. I only have 30 days according to the letter and it has a date of XXXX/XXXX/XXXX on the letter.
XXXX XXXX XXXX  has incorrect information on my XXXX, XXXX and XXXX  credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.
Because of the XXXX security breach, I 'm requesting a credit report freeze. It took around five minutes to do this with XXXX and XXXX, using their toll-free numbers. TransUnion, however, is totally inaccessible, either by phone or online, and has been since I started trying to reach them on XXXX XXXX. Five phone calls resulted in my being placed on hold for 20 minutes the first time, and then disconnected. The other 4 times, I was placed on hold for only a few seconds before I was disconnected. TransUnion 's website explains the heavy internet and phone traffic due to the XXXX breach, but this has been going on for days, and has n't happened with the other two credit reporting companies. The website asks for al my information, then, at the end, says it 's temporarily unavailable.
I received a fraudulent charge on my capital one credit card. 
I momentarily shared with capital one by placing a call to them when I received a message that there was a charge on my card for {$560.00}. 
They explained to me that I was not responsible for this charge and they would issue me a credit by midnight that day. The following day I logged into my account and I saw that they did credit my account back to its normal balance. I also received a letter stating that they would refund my account for the charges. I went to pay my credit card yesterday XX/XX/2018 and noticed that they have removed the credit that they had applied to my account. Needless to say I am extremely upset that they would do such a thing add the credit back and then remove it for no reason. When I spoke to the fraud department to supervisors XXXX and XXXX. They both claimed harshly that I would not be credited until the investigation was over. I explain to them that I received a letter telling me that my account was refund it and they just simply blew that off. I told him you can't send a letter to a customer telling them that your accounts credit it back to its normal state and also have me log into my account and see for myself that it was credited back to my account. However I go to pay my bill and I see that they have remove the credit. This is beyond way not acceptable and should be handled in the proper manner. That is why these big companies are insured why should a customer have to wait. This is unbelievable please help me correct this problem! If this was my only credit card, this would not be helpful for me & very sad. Also my credit card was sent to my old address, although I had gave them my new address. Anytime I use my credit card on mine I had to type in my ZIP Code and the ZIP Code that I typed in was my new ZIP Code not my old one. Which clearly lmakes me question why they would send it to my old address. And also how can my credit card be used if it had already expired. It expired in XX/XX/2018 and this charge was made in XX/XX/2018.